2016 Generations

DAILY NEWS NORFOLK

Tuesday, January 19, 2016

Your Retirement Planning Specialists

402-371-5511 800-850-6827

Services

Advisors

• • • • • •

Ryan B. Anderson, CFP©

Personalized Retirement Planning Comprehensive Estate Planning Company Retirement Plans 401(k) and Qualified Plan Rollovers* Investments Social Security Planning

Certified Financial Planner™ Practitioner

Terry J. Heimes, CFP® Certified Financial Planner™ Practitioner

Chuck G. Olsen, CFP® Certified Financial Planner™ Practitioner

Travis D. Riggert, CFP® Certified Financial Planner™ Practitioner

*Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Advisor.

100 N. 13th St., Suite 310, Norfolk, NE (3rd Floor BankFirst Building)

Jack H. Rother, CFP® Certified Financial Planner™ Practitioner

calmwaterfinancial.com 120130

NORFOLK DAILY NEWS, TUESDAY, JANUARY 19, 2016

We Now Have Home Health Equipment Available On Site Hospital Beds, Wheel Chairs, Lift Chairs, American Made Scooters Plus Other Accommodations For In-Home Care

119814

Care You Can Trust!

120 N. 27th St., Norfolk, NE • 402-371-3444 • www.vitalcarenorfolk.com “...the latest and greatest hearing aid...”

Cut the costs of your prescriptions The costs of filling prescriptions is simply too big to bear for many people, even now that the Affordable Care Act has greatly reduced the amount of people who are uninsured. A resent survey from the Commonwealth Fund found that 35 million people in America failed to fill a prescription because of the cost of the medication. That figure represents an improvement from 2010, when 48 million people did not fill their prescriptions due to the costs of those medications, but it still serves to highlight a need many people have to cut the costs of their medicine.

Though people who cannot afford to fill their prescriptions often feel helpless, there are a handful of ways they can cut the costs of their medications and start feeling better.

• Discuss changes with your physician. Perhaps the simplest way to cut prescription costs is to discuss medication options with your physician.

Brand-name drugs are typically more expensive than generic alternatives, so speak with your physician about generic drugs or less costly brand-name drugs that may treat your condition as well as expensive brand-name drugs do.

• Consider Patient Assistance Programs.

Sometimes referred to as “Pharmaceutical

Assistance Programs,” Patient Assistance Programs, or PAPs, can greatly reduce the burden of prescription drug costs.

Sponsored by pharmaceutical companies, PAPs distribute billions of dollars to patients who otherwise could not afford their medications. Eligibility criteria varies depending on the program, but men and women struggling to pay for their prescriptions can speak with their physicians about PAPs. • Consult your member organizations. If you are a member of the AAA automotive group or the American Association of Retired Persons, you might be eligible for medication discount cards free of charge. These cards provide discounts on your medications, but some come with expensive fees upfront. Look for no-fee cards, such as those offered to AAA and AARP members or others offered by nonprofit organizations, before considering options offered by pharmaceutical companies or other for-profit businesses.

• Contact charitable organizations.

Some charitable organizations, such as the National Organization for Rare Disorders and maybe even some local nonprofits, offer prescription assistance to people in need. Visit NORD online at www.rarediseases.org.

CRAM INSURANCE AGENCY

“Everybody wears this hearing aid”

A Division of UNICO Group, Inc.

1317 W. Pasewalk Ave., Ste. 200 Norfolk, NE 68701 402-371-3180 cfarrier@unicogroup.com

“This hearing aid is for you”

“You don’t need a professional, we can get you one cheap”

Auto • Home • Business • Life

Courtney Farrier

Improving the Health of Surrounding Communities Dr. Wolf can help you find the best hearing aid for your hearing loss. She will create a personal, customized rehabilitation plan for you, including choosing the right hearing aid from a variety of products.

Erin E. Wolf, Au.D, CCC-A

We’re H“ear” For You!

119391

301 N. 27th St., Suite 4, Norfolk • 402-844-8110 www.entnorfolk.com

Take Our Community Health Survey for a Chance to Win a

Do You Have Unwanted Or Expired Medication?

Call 402-529-2233 to request a survey or online at www.elvphd.org

Norfolk Police Dept. (Front Lobby) 202 N. 7th St.

$200 Grocery Certificate

Dispose of them FREE at

Call (402) 529-2233 for Information

120209

Wisner Office: (Main Office & Mailing Address) 2104 21st Circle P.O. Box 779 Wisner, NE 68791-0779

Norfolk Office: 302 W. Phillip Ave. Norfolk, NE 68701

www.elvphd.org

DEPARTMENT

119551

2-A

NORFOLK DAILY NEWS, TUESDAY, JANUARY 19, 2016

3-A

Understanding Life Insurance Life insurance is a product few people want to think about. That’s perfectly understandable, as life insurance forces men and women to consider their own mortality. But life insurance is not something adults should avoid, especially if they have dependents.

Many people should consider life insurance when estate planning so they can provide security for their loved ones. But life insurance is a purchase unlike any other, and people may be confused or intimidated when attempting to purchase life insurance policies.

from an insurance agent or via an insurance company’s website. When choosing a company from which to buy a life insurance policy, look for a company with a strong rating, as no one wants to end up being burned by a life insurance provider who goes out of business. Some people prefer to work with independent brokers who can share information about prod-

Deciding if you need coverage

While life insurance seems like the kind of thing every person should have, that’s not necessarily the case. For example, single men and women with no dependents and no tax or debt concerns generally do not need life insurance. If you are single but have tax issues or a considerable amount of debt, then a life insurance policy can be used to pay those debts upon your death. Adults with dependents, such as a spouse and/or children, should consider purchasing life insurance, which can help your surviving dependents maintain their quality of life and pay their bills in the wake of your death.

Buying life insurance

Much like various other types of insurance, life insurance can be purchased

ucts from various providers rather than just the ones offered by the firm company-affiliated agents work for.

Choosing coverage

When choosing coverage, you will no doubt be asked if you prefer term insurance or permanent insurance. Term insurance is the least expensive life insurance, and such policies only last for a predeter-

mined number of years. Men and women may purchase life insurance policies if they only want life insurance until they retire or until their children reach adulthood. Permanent insurance is more expensive and will last from the moment you purchase the policy until your death.

Many people choose permanent life insurance policies so the money their beneficiaries receive upon their death can be used to pay estate taxes. In addition, there is an investment component to permanent insurance policies, as a portion of the premiums on such policies is invested (policies will spell out how the money is invested) and allowed to grow tax-free so long as the policy is open. Term insurance only provides protection with no investments.

When choosing how much coverage to purchase, it’s easy to go overboard and aim for as much as possible. However, many financial advisors suggest purchasing enough coverage to pay for funeral costs and a level of income replacement you can comfortably afford. If your spouse does not work, you should consider purchasing enough coverage so he or she can afford to pay the family’s day-today cost of living expenses.

Life insurance merits serious consideration, and adults should do their homework and fully understand a policy before signing any contracts.

Pre-Planning Your Funeral Arrangements

William L. Stonacek

SERVICES INCLUDE:

• Pre-planning • Funeral Services • Cremation Services • Full Line Of Monument Sales • Chapel Seating For Over 250 People • Reception Hall Accommodates Over 200 People • Lunch Room Av ailable • Lots Of Parking • 12 ft. drop down screen • Memorial tributes created by funeral home

Todd W. Stonacek

Brock M. Stonacek

120105

Funerals within the means of all families Family owned 3rd Generation

Norfolk (402) 371-7676

Pierce (402) 329-4270

Osmond (402) 748-3998

Josh P. Gossman

Dan J. Crawford

4-A

NORFOLK DAILY NEWS, TUESDAY, JANUARY 19, 2016

How to Avoid Growing Bored in Retirement From the moment young men and women first walk into the office for their first day as a working professional until the day they officially retire, the notion of planning for retirement is never far from their minds. But when the day to hang up the briefcase and donate all those business suits arrives, some retirees wonder what to do next. Some retirees know exactly how they will spend their days when they no longer have to work, while others who decide to play it by ear may find themselves battling boredom.

For those among the latter group, it’s important to understand that many retirees find themselves bored once they no longer have to focus on a career. Jobs keep men and women busy and provide a sense of purpose in their lives, so it’s understandable that retirees feel bored once those jobs are no longer a part of their lives. But just because you no longer have an office to go to every day does not mean life cannot be as fulfilling or even more fulfilling than it was when you were still working. You just need to find something to avoid succumbing to retirement boredom.

• Work part-time. Though it might seem odd to start working right after you retire, a part-time job can provide the type of structure you have grown accustomed to without all of the responsibility that comes with a full-time career. Part-

time jobs can range from consultancy work that makes use of your professional experience to something entirely different like landscape maintenance at a nearby golf course that gets you out of the house and enjoying the warmer seasons.

Whichever you choose, make sure it’s something you find fun and interesting.

• Embrace a new hobby. Working professionals often say they wish they had time to pursue a hobby. Now that you are retired, you have all the time in the world to do just that. Whether it’s perfecting your golf game, writing that novel, learning to cook like a gourmet chef or whatever else you might have always wanted to

do, retirement is a great time to do it.

• Get in shape. If retirement boredom has started to negatively affect your mood, one great way to conquer your boredom and improve your mood at the same time is to start exercising. Exercise is a natural mood enhancer. When the body exercises, it releases chemicals knowns as endorphins, which trigger positive feelings in the body. In addition, regular exercise has been shown to reduce stress, boost self-esteem and improve sleep.

Working out at a gym also is a great way to meet fellow retirees in your community, and the energy you have after exercising may give you the boost you need to pursue other hobbies.

• Volunteer. If a part-time job is not up your alley, then consider volunteering in your community. Volunteers are always in demand, and volunteering with a local charity can provide a sense of purpose and provide opportunities to meet likeminded fellow retirees, all while helping to quell your boredom. Retirees who love to travel can combine their passion for volunteering with their love of travel by signing up to work with an international relief organization that travels abroad to help the less fortunate.

Upon retiring, many retirees initially find themselves coping with boredom.

But there are many ways to avoid the restlessness of retirement.

Norfolk Country Club HELPING YOU LIVE BETTER

“Where good friends meet to have good times”

• Value Pricing For Various Golf, Social And Dining Memberships • Golf Memberships Include Combination Membership With The Columbus Elks Country Club And Fremont Golf Club. No Additional Dues Or Green Fees To Play Elks Or Fremont • 18-hole Golf Course And Driving Range • Swimming/Wading Pools & Tennis Courts • Growing Junior Golf Program • Various Women Golf Activities • 19th Hole Lounge And Dining Room • Banquet Facilities Available To Members And Non-members For Wedding Receptions, Reunions, Professional Meetings, Anniversaries, Etc.

Don’t Miss Your Chance To Become A Private Country Club Member At A Modest Cost.

Go Private…You’ve Earned It! Call the Clubhouse today at (402) 371-3230 www.norfolkcountryclub.biz 119565

Senior Memberships (62+) Only $20 a month!

Senior memberships (62+) Only $20 a month!

Receive one free session with a wellness staff person when you join the Y! Indoor Walking Track Cardio Equipment—including 2 recumbent Ellipticals Free Weights Free Land and Water Group Fitness Classes—including SilverSneakers Classes and a Foundations of Movement class for those dealing with the effects of Parkinson’s and other movement disorders.

Besides all of our Water Classes, Cycle 30 & Flex 30 are great classes for the active older adult.

Monthly Socials—Y Social Events Heritage Club—for those interested in learning more about charitable giving and estate planning.

“NEW” Play Pickleball—A GREAT sport for seniors

Call for more information.

Norfolk Family YMCA—402-371-9770

119876

NORFOLK DAILY NEWS, TUESDAY, JANUARY 19, 2016

5-A

Aging and Driving Getting behind the wheel and enjoying the freedom to travel is a luxury few are anxious to abandon. But there comes a time in nearly every person’s life when he or she must take inventory of his or her driving and assess if that next joy ride is a safe and smart decision.

Driving may help older adults remain independent and mobile, but the chance for a motor vehicle accident increases as one ages. The Insurance Institute for Highway Safety says fatal crash rates per mile traveled increase starting at age 75 and increase notably after age 80. This is largely due to increased susceptibility to injury and medical complications among older drivers rather than an increased tendency to get into crashes. Road accidents tend to increase around a person’s 65th birthday.

Individual drivers and families must use their own judgement to decide if it is still safe for a particular person to be on the road.

Minor fender benders, traffic citations, trouble remembering directions or frequently visited stores, may be early indications that a driver is no longer at his or her best behind the

wheel. Some experts say that families should institute driving directives, much in the way a person would spell out medical desires or end-of-life plans.

This way, when the time comes to assess driving ability, the conversation already has been started.

There is no set age when a person’s keys should be taken away, as aging does not guarantee drivers’ abilities will decline. In fact, there are many things people can do to prolong their time on the road.

• Get routine vision and hearing checks. These examinations will help to determine your fitness to be on the road and shed light on any issues that need to be addressed. Those who wear contact lenses or glasses may need to update their prescriptions.

• Get enough sleep. Lack of sleep can affect the body in many ways, including reducing reaction time. Falling asleep while driving can compromise the safety of drivers, their passengers and fellow motorists.

• Know your medications. Certain medications can make you drowsy, so read the labels so you know not to drive while taking them. Speak with your doctor to see if there are any substitutes

that won’t affect your performance behind the wheel.

• Recognize your limitations. You may not like driving at night or in inclement weather. Stick to driving when you feel most comfortable.

• Enroll in a refresher course. Sign up for a defensive driving course to review your driving skills. Not only

Norfolk Public Transportation 402-379-4595 $250 per person - per trip Mon.-Fri. 7:00 a.m. to 5:30 p.m.

Sat. & Sun. 7:15 a.m. to 4:45 p.m.

Transportation in and around Norfolk hair Wheelc ible s s e Acc

lps perature he ess m te r te a w int str • Warm , relieving jo ts in jo g in h c a x uscles to rela n m e th s id A • od circulatio e body lo b s e c n a h • En ing th oyancy, mak b s e id v ro P • feel lighter elling • Lessens sw uscles in water than on m dy.

• Uses more ss on the bo e tr s s s le h it land, w on!

3

307 Prospect Ave. • 402-371-8299 • 402-371-3930

Hours: 8 a.m.-4 p.m. • Mon.-Fri. Meals - 12 Noon • Mon.-Fri. Sponsor of Meals On Wheels - 402-371-8626 Cards, Music, Quilting, Exercise, Speakers, Gift Shop, Tai Chi, FROG, Line Dancing

Evening Dances 1st & 3rd Tues.

7 p.m.

Everyone Welcome!

norfolkseniorcenter.org

Specializing In • Surgery • Pediatric Deformities • Ankle Sprains • Sport/Work Related Injury • Trauma

For Treatment Of Nail Fungus.

119875

www.footandankledoctorspc.com

110 N. 37th • Suite 101 402-371-4690

Robert Colligan, DPM Podiatry Health Care Professional

120167

4 0 2 -4 5 4 -3 7 2

Norfolk Senior Citizens Center

Evening Bingo Every Thurs.

7 p.m

119554

ore informati m r fo y a d to ll Ca

ison 703 N. Main St., Mad

may it make you safer on the road, but it also may help reduce your insurance rates.

Getting older doesn’t mean you have to quit driving right away. Recognize the signs of a decline in driving ability and figure out how long it is safe to remain behind the wheel.

6-A

NORFOLK DAILY NEWS, TUESDAY, JANUARY 19, 2016

The Most Treatable Serious Senior Health Issue: Loneliness Stanton Health Center

301 17th St., Stanton, NE • (402) 439-2111 www.stantonhealthcenter.com

Skilled Nursing Facility

A fast, robust recovery from surgery or injury.

For short term or long term placement, we are here for you.

Advanced Equipment to assist with therapy such as our anti-gravity treadmill.

Services Offered: • • • • • • • • •

Assisted Living Meals on Wheels Outpatient Therapy Special Care Unit Transportation Buffet-Style Dining Various Activities Beautician/Barber Services Strong Restorative Therapy Program

Owned by the City of Stanton

120162

PLEASE PLEASE CALL CALL AND AND SCHEDULE SCHEDULE A A TOUR! TOUR!

(402) (402) 439-2111 439-2111

(BPT) - While Americans tend to associate the holidays with togetherness, joyful occasions and feelings of warmth and happiness, the season can also worsen feelings of loneliness and isolation for some people - especially older adults. Loneliness is not only bad for seniors’ mental health, it can affect their physical wellbeing as well.

“The holidays can present families with an opportunity to spot signs of loneliness in their older family members and take steps to do something about it,” says Dr. Kevin O’Neil, chief medical officer of Brookdale Senior Living. “Isolation and loneliness in seniors can lead to debilitating depression, high blood pressure, dementia and shorter life spans. Time and time again we see that when seniors overcome loneliness, make new friends and feel a part of a caring community, they’re happier and their physical health improves.”

Research illustrates the link between loneliness and the advancement of dementia, deterioration of physical health and shortened lifespans. Conversely, multiple studies show feeling connected and happy is good for your health and can lead to a longer lifespan. What’s more, happiness really can be contagious. In fact, one study by researchers at the University of California and Harvard University found surrounding yourself with happy people can make you more likely to become happy yourself.

“Social connections are vital for people of all ages,” O’Neil says. “Emotional ties are even more important for seniors, yet they are also more vulnerable to losing those bonds through the death of a spouse, grown children busy with their own lives or the relocation of a long-time friend who moves closer to be near their own family.”

As families gather, they should be alert to signs their elders are feeling lonely or isolated, including: * Your loved one has suffered a loss, either the death of a spouse or friend, or relocation of a long-time cohort. * They give verbal cues, such as complaining they have no friends, feel confined to their home, have no one to talk to or severely miss a long-deceased companion. * They exhibit signs of depression, including trouble falling asleep, irritability, loss of appetite and disinterest in activities that used to excite them. * Their eating habits have changed.

Seniors who are feeling isolated and depressed may lose their appetite, or engage in unhealthful comfort eating. * Personality or behavioral changes are evident. Your normally stoic loved one has become tearful, a chatty person becomes quiet, or an out-going personality is now withdrawn. * They become “clingy,” holding a handshake or hug longer than normal, and becoming upset when it’s time for a visit to end.

* They complain of pain or health issues that the doctor can’t explain. In some cases, the “illness” may be an attempt to get attention. In other cases, it can be a physical response to loneliness. * A person who was once very capable may begin to have difficulty managing daily tasks or their finances.

“It’s vital seniors stay connected,” O’Neil says. “Every Brookdale Senior Living community has resident programming, activities and opportunities for seniors to develop closer relationships.”

He recommends some tactics to help seniors combat loneliness: * Get moving. Physical exercise increases the body’s level of “feel good” hormones, and can contribute to improved sleep, as well as fewer aches and pains. Seniors should get 30 minutes of moderately intense exercise per day, and if you exercise with companions, you’re also reaping the social benefits of the activity. * Sit down with a friend or family member and watch a funny movie or TV show together. Laughter’s positive effects on the mind and body are well documented. Laughing together improves mood and can make people feel more connected. * Make new connections. Sit with someone at lunch whom you don’t know well. Ask a neighbor to go for a walk with you. Join a club or social organization. * Help yourself feel better by helping others. Volunteering has many positive effects on mental health. When you volunteer your time to help others, you’ll feel good about your actions and also expand your opportunities to meet new people. * Learn something new - it’s not only good for cognitive health, it gives you the chance to make new connections with other students. Take a craft class, go to a personal finance seminar or take a cooking class.

“Loneliness can be a serious health issue for seniors,” O’Neil says. “Fortunately, it’s also one of the most treatable.”

Visit www.brookdale.com to learn more about senior living and for tips on combating loneliness.

NORFOLK DAILY NEWS, TUESDAY, JANUARY 19, 2016

7-A

Managing the Costs of Assisted Living As individuals age, various circumstances have to be reassessed. A current living situation may not be meeting the needs of a senior who may be having difficulty caring properly for himself or herself. Families often consider senior residences to provide welcoming and safe environments for their loved ones during the golden years of their lives. These facilities may range from independent living homes with minimal care offered to nursing homes that provide more intensive care when needed. Somewhere in the middle lies assisted living homes, which blend the independence of personal residences with other amenities, such as the housekeeping, medication reminders or meal services.

Assisted living can be a viable option when a person can no longer live alone, but such facilities come with a price. According to a Market Survey of Long-Term Care Costs conducted by MetLife, the national average for assisted living base rates was $3,550 per month in 2012. In the 2015 Cost of Care Survey conducted by Genworth Financial, the assisted living, national-median monthly rate was now $3,600 per month and it’s only expected to grow. Affording these homes and apartments can be challenging for those with fixed incomes, but there are some strategies that

can help.

The payment method that serves you best will depend on your unique circumstances, but there are options available.

• Long-term care insurance: Long-term care insurance is specialized insurance that is paid into and may cover the cost of assisted living facilities and other medical care, depending on the policy. The American Association for Long-Term Care Insurance says that only roughly 3 percent of Americans have this type of insurance, but it is something to consider during working years.

• Personal savings: Some people have the means to pay for assisted living with their own savings and retirement nest eggs.

However, it’s easy for savings to become depleted when facing a $40,000+ per year bill.

• Life insurance: A financial advisor may advocate to pay for assisted living with a life insurance policy. Some companies enable you to cash out for “accelerated” or “living” benefits, which usually is a buy-back of the policy for 50 to 75 percent of the face value.

Other third parties may purchase the policy for a settlement of a lump sum, again roughly 50 to 75 percent of the policy’s face value, according to Caring.com, an online source for support and information about

the needs of aging people.

• Location: Costs of assisted living facilities vary depending on location. It’s possible to get a lower monthly rate simply by choosing a facility in a different state.

• Negotiation: Not all prices are set in stone. Speak with a manager at the facility and see if there is any price flexibility or move-in incentives. You also may be able to get a lower rate by negotiating certain a-lacarte costs against all-inclusive pricing.

Perhaps you do not need laundry or shopping services, and family members can fill in the gaps, reducing your bill.

• Veteran’s benefits: Many veterans are eligible for care benefits that can offset the cost of assisted living care.

• Rooms: Opting for a smaller room or sharing a space can keep costs down as well. See if shared rooms are a possibility.

Assisted living is a necessity for thousands of people. Explore the ways to finance this purchase.

How to Handle an Old 401(k)

Keep the money with your former employer Some employers allow former employers to keep their retirement savings in their plans.

This allows men and women to avoid early withdrawal penalties and lets them continue to defer paying taxes on retirement savings accounts until they reach retirement age and need to start withdrawing money. Another benefit to keeping money in an employer retirement plan even after you leave the company is it protects you if there are rollover restrictions governing any additional accounts you might have transferred the money into.

Employers who do allow former employees to keep their money in retirement plans likely included certain language in those plans that govern how the account is managed after employees leave the company. For example, former employees may no longer

be able to contribute to the plan or take out plan loans. In addition, when the time comes to withdraw money, you may or may not be allowed to make partial withdrawals from accounts linked to former employers.

Read the fine print to determine if keeping the plan with a former employer makes the most sense for you.

Rollover into your new employer’s retirement plan Some people have the option to rollover a 401(k) from a previous employer into their new employer’s plan. But not all companies allow this. If you are allowed to do so, this can make the transition that much easier while still allowing tax-deferred growth on your assets. In addition, if you can rollover into your new employer’s plan, you may be allowed to take out loans based on the amount of your combined plan instead of just loans against new contributions.

Rollover and plan loan eligibility should be confirmed with your new employer.

Before rolling over money into your new employer’s plan, confirm your investment options under the new plan. If they pale in comparison to an IRA, you might want to rollover your retirement assets into an IRA that offers more investment options.

Rollover into an IRA Many men and women look to rollover an old 401(k) into an IRA, as traditional and Roth IRAs may offer a wider variety of investment options than a previous or current employer’s retirement plan. Taxes differ depending on which type of IRA you choose to roll your funds into, so discuss your IRA options with your financial advisor to determine if this is the best way to go.

-7050

Upon making the transition to a new job or retiring, many people are unsure about what to do with their 401(k) or other retirement plans linked to their employer.

Handling this transition can be costly, and many men and women might benefit from the advice of a professional financial advisor to help them navigate these waters without breaking the bank.

Some men and women may think they’re forced to cash out their retirement accounts when moving on to new companies. But, depending on a person’s age, that’s a potentially costly option that can incur heavy penalties. Fortunately, cashing out is not the only option men and women have as they try to figure out what to do with their retirement accounts after retiring or moving on to new companies.

119946

8-A

NORFOLK DAILY NEWS, TUESDAY, JANUARY 19, 2016

Travel Benefits for Those Ages 50 and Up One of the best things about aging is being able to enjoy the fruits of your labor without as many obligations as you might have had when you were a younger adult.

For example, many men and women have a lot more freedom to travel once they turn 50.

Many of today’s older adults have a wealth of discretionary time, and those who focused on retirement planning from an early age have the money to fund a recreational lifestyle. Travel companies and other businesses understand that Baby Boomers and other seniors are valuable customers and

are rolling out the red carpet with a bevy of discounts and perks.

AARP Services, Inc. has long been a trusted resource in senior-based information and resources. The organization continues to broker relationships with various companies to arrange deals on travel-related services and products for older men and women.

Members of AARP can link directly to deals through the organization’s website.

In addition to companies that work with AARP, many other travel companies have discounts or other perks available to men and women over 50. All consumers need to

Alzheimer’s Researchers Hopeful Alzheimer’s disease has no cure, and its progression cannot be radically slowed. The Alzheimer’s Association reports that every 67 seconds someone in the United States develops Alzheimer’s, and around 5 million people in the country currently have the disease.

While there is no cure for Alzheimer’s disease, researchers are continuing to work on both drug and nondrug treatments to combat both cognitive and behavioral symptoms.

According to information from the 2015 Alzheimer’s Association International Conference, there is reason for optimism regarding Alzheimer’s treatments.

Researchers now have a better understanding of how the brain changes with Alzheimer’s and can fine tune medications to react with certain areas of the brain responsible for certain symptoms. For example, drug companies Eli Lilly and Biogen have been testing drugs that block beta amyloid, a protein that can cause toxic brain plaques in people, which are often associated with progressive brain disease.

Another abnormality associated with Alzheimer’s is caused when a protein called tau twists into microscopic tangles, says the Mayo Clinic. Tangles collapse vital brain cell transport systems. Researchers are looking into medicines that may prevent tau from forming tangles.

In addition, researchers continue to look at anti-inflammatory drugs to help delay the progress of Alzheimer’s disease, as well as how other conditions and diseases, including high blood pressure or diabetes, may impact the risk of developing Alzheimer’s.

do is inquire about such benefits. When in doubt, log on to the company’s website or give their customer service department a call.

Here are some other ways to secure deals on travel and other services.

• Do some networking. Fellow seniors who log in to chat rooms or who are members of social clubs may have the inside scoop on age-based travel deals. Learn the ropes from others who have been there before you and take notes on which companies offer the best deals.

• Read the fine print. Understand the details of senior discounts and compare them to other promotions offered to anyone, regardless of age. You may be able to get a better deal or combine offers if you’re not locked into a senior plan. Also, check the dates when deals are valid to ensure you can travel when you want to.

• Always carry proof of age. Whether it is a driver’s license, AARP card, passport, or birth certificate, carry proof of your age at all times. You do not want to miss out on a discount because you cannot verify you are 50 or older. Though being mistaken as younger could be a boost to your ego, it will not benefit your bottom line.

• Explore airline perks. Men and women 55 and older may be eligible for “goldenagers” discounts at major airlines. Such deals are not typically advertised, so you may need to speak with an airline representative to secure the discount. Seniors also can request special services, such as baggage assistance, priority seating and a ride to the gate, at the airport.

• Try negotiating with vendors. If you cannot find a senior discount, consider

negotiating with vendors for deals. Local hotels or businesses may prove more flexible than national chains. It never hurts to ask for a senior discount.

• Embrace flexibility in scheduling.

Unlike students or business travelers, seniors tend to have freedom with regard to the days of the week when they can travel. You have the flexibility to go and come as you please without having to coordinate with vacation time or school breaks. Use this to your advantage and travel during off-peak times when crowds will be small and rates may be lower.

Don’t feel down if you’re approaching another milestone birthday. Entering into your golden years gives you access to a variety of perks and discounts that can save you time and money on travel.

Call For Appointment • 402-316-4320 • www.fennessymd.com

Thomas N. Fennessy, MD 120165

NORFOLK DAILY NEWS, TUESDAY, JANUARY 19, 2016

9-A

Seniors Often in Denial About Hearing Loss: Are You One of Them?

(BPT) - “Excuse me, can you say that again?” If this sounds typical, you’re not alone. Hearing loss is the third most common health problem in the U.S. with more than 40 million people suffering from it to some degree. Despite all this, only 30 percent of Americans with hearing loss (most of whom are seniors) seek treatment.

To find out why, the manufacturer of Siemens hearing aids polled several hundred seniors at a national conference. Despite most of them admitting to having hearing loss, the survey found seniors are quite passive about their hearing health. About one third of respondents admitted to having their hearing checked only once or twice in their entire life. When visiting their doctor, hearing was the least likely routine health check received - tied with a colonoscopy.

Seniors struggle with perceptions

Seniors completely overestimate how others will react to them wearing hearing aids, according to the data. The majority (51-67 percent) said they don’t wear hearing aids because they fear others will perceive them as “old,

feeble or kind of dorky.” Some worry that wearing hearing aids will make them stand out in a crowd in a negative way. Ironically, the vast majority of seniors are not judgmental of another person wearing hearing aids.

Many respondents are also in denial over the social repercussions of their hearing loss. One in four said they don’t want to interact with someone who continuously asks them to repeat themselves, citing that person as “annoying.” Yet, when the situation is reversed, most seniors think it’s perfectly acceptable if they are the ones doing the repeating.

“What I find so interesting is seniors’ perceptions of what makes them look old,” says Emmalyn Loeffler, Au.D., manager of audiology for Sivantos, Inc. “While only one in seven seniors with hearing loss wears hearing aids, 50 percent of seniors admitted to having procedures more commonly associated with vanity, such as getting Botox injections.”

Outdated views of hearing aids

Another common concern among seniors is the perception of hearing aids

themselves. Many still view hearing aids as large, clunky devices that simply amplify sound. According to Dr. Loeffler, this is no longer the case.

“We refer to today’s hearing aids as ‘smart’ because they automatically adapt to your environment, learn your preferences, and intelligently focus on sounds you really want to hear. Most people can’t even tell you’re wearing them and some are even invisible when worn,” she says.

Survey respondents were asked what new features and capabilities they would like to see added to hearing aids, and their answers reflected today’s technology-driven society: * 73 percent would like rechargeable batteries * 63 percent suggested adding wireless connectivity * 54 percent want hearing aids to be water and dirt-proof for outdoor use * 51 percent would like to control their hearing aids via a smartphone app Many benefits to treating hearing loss

According to Dr. Loeffler, seniors who regularly have their hearing tested

and are proactive in trying to address hearing loss are better able to maintain active social lives, extend their careers, and receive diagnoses of potentially more serious medical conditions early.

Moreover, leaving hearing loss untreated makes it difficult to understand and follow a doctor’s advice, respond to notifications and alerts (e.g., doorbells, car horns), or enjoy conversations with friends and family. All of these outcomes are frustrating and embarrassing, and some could be dangerous. Rather than ignoring hearing problems, Dr. Loeffler recommends the following: * Be proactive about getting your hearing checked. Ask your doctor to test your hearing during your yearly checkup to be sure there are no changes.

Medicare guidelines will cover diagnostic hearing exams if your physician suspects a problem, so if you are Medicareeligible, your exam should be covered. * Stay socially active. A simple and painless hearing test can help avoid the irritation that arises from asking others to repeat themselves when you can’t hear. This will benefit you socially and in your career, if you’re still working.

Making Final Arrangements • Full Services • Pre-Arrangement Planning

• Full Services • Pre-Arrangement Planning Funeral Directors: John A. Burns • Eric J. Stinson • Erik A. Gamerl

Serving you with dignity since 1887

115094

Resseguie Funeral Home 108 W. 5th St., Madison, NE

Home For For Funerals Funerals Home

1203 Norfolk Ave., Norfolk, NE 402-371-3330 • www.HomeForFuneralsInc.com

www.HomeForFuneralsInc.com

Steffen Mortuary 110 W. Main, Battle Creek, NE

10-A

NORFOLK DAILY NEWS, TUESDAY, JANUARY 19, 2016

How To Build And Maintain Strong Bones Osteoporosis, a disease that causes bones to become weakened and brittle over time, affects millions of people across the globe. The International Osteoporosis Foundation says an osteoporosis-related fracture occurs roughly once every 3 seconds, accounting for more than 8.9 million fractures a year.

Younger individuals typically heal from fractures more quickly than older adults, who often discover that fractures greatly impede their mobility and quality of life.

Bone health is important at any age, but it is particularly crucial as a person gets older. Without a strong framework of bones, the body collapses on itself and rates of fracture increase. Fortunately, there are several ways to keep and maintain strong bones.

Bones are largely made up of a protein called collagen, which is bound together by calcium and other trace minerals.

Vitamin D and calcium work in concert, with vitamin D helping the body to absorb calcium so it can find its way into bones. Experts advise getting the right

ratio of calcium, protein and vitamin D to safeguard against osteoporosis. The Institute of Medicine suggests that adults get between 600 and 800 international units (IUs) of vitamin D every day, and between 1,000 and 1,300 milligrams of calcium daily. Dairy products, such as lowand nonfat milk, yogurt and cheese, are high in calcium. Dark green vegetables and almonds contain calcium in smaller amounts. Obtaining calcium and vitamin D through natural sources is always preferable, but doctors may suggest supplementation if foods are not providing what a person needs to meet the minimum recommended levels.

Exercise is another important component of building strong bones. The National Osteoporosis Foundation says 30 minutes of exercise each day can help.

Higher-intensity exercises should be mixed with lower-intensity workouts for the best results. Weight-bearing exercises, such as hiking, dancing and stair-climbing, can build between 1 and 3 percent of bone.

An exercise regimen also should include

Did You Know?

Baby Boomers make up the largest generation of Americans born in United States history. Boomers include anyone born between the years 1946 and 1964, as the number of births began to rise as World War II veterans returned home from battle.

The greatest number of Baby Boomers were born in 1957, when numbers peaked at 4,300,00. That equates to roughly 8 children born per minute throughout the year. By 2019, the last of the Baby Boomers, or those born in 1964, will be eligible for many senior benefits offered to people age 55 and up. Ten years later, most will be eligible for retirement.

Call 402.887.6269 to schedule your appointment today!

3-D Digital Mammography available at AMH! 119949

Greater Accuracy Fewer Callbacks Earlier Detection Clearer Images Reduced False Positives

109 W. 9th, Neligh, NE

www.amhne.org

How To Protect Your Vision Over The Long Haul According to the Centers for Disease Control and Prevention, eye diseases related to aging are the primary cause of vision impairment in the United States.

Many people consider vision loss a natural side effect of aging, but there are ways men and women can protect their vision and reduce their risk of vision loss as they age.

• Quit smoking. According to the National Eye Institute, smoking doubles a person’s risk for age-related macular degeneration, or AMD. AMD is a leading cause of vision loss in men and women over the age of 50. It causes damage to the macula, which is the part of the eye needed for sharp, central vision. If the macula is damaged, vision may be blurry, distorted or dark.

• Protect eyes from ultraviolet light.

The American Optometric Association notes that UV-A and UV-B radiation can have adverse effects on a person’s vision. A short-term effect of excessive exposure to UV radiation is photokeratitis, a painful condition that can lead to red eyes, extreme sensitivity to light and excessive tearing. Long-term effects of such exposure include a higher risk of developing cataracts and damage to the retina, which is the part of the eye used for seeing.

When spending time outdoors, always wear sunglasses that provide protection

against UV-A and UV-B rays.

• Maintain a healthy blood pressure.

High blood pressure, often referred to as HBP or hypertension, can contribute to vision loss as a person ages. The American Heart Association notes that HBP can strain blood vessels in the eyes, causing them to narrow or bleed. HBP also can cause the optic nerve to swell, compromising a person’s vision as a result. Eye damage that results from HBP is cumulative, which means the longer it goes untreated, the more likely the damage to the eye will be permanent. Men and women can maintain a healthy blood pressure by eating right, exercising regularly and sustaining a healthy weight.

• Take breaks from work. Computer vision syndrome, or CVS, is a legitimate condition that can develop when a person spends ample time staring at a computer screen. Adults and kids alike are susceptible to CVS, which can cause symptoms such as blurred vision, double vision, eye irritation, and headaches. One way to reduce risk of developing CVS is to take frequent breaks from staring at the screen.

A handful of 20-second breaks over the course of an hour can help prevent CVS. In addition, change lighting in the room where you work so you can reduce glare on the computer screen.

SPRACKLEN PHYSICAL THERAPY

We are very pleased with the caring services we received at Spracklen Physical Therapy. Christine and her staff are knowledgeable, courteous and attentive to details. Our time spent there was and is very beneficial.

John & Mardelle Goeller

Spracklen Physical Therapy

1401 W. Michigan Ave. Norfolk, NE • (402) 371-8701

120091

Call 402.887.6269 to schedule your appointment today!

lifting weights or using resistance bands.

Activities that promote good posture and flexibility can help improve balance and alignment of the body. Perform stretches smoothly and slowly after exercising to maintain your range of motion.

Quitting smoking also can promote strong bones. Smoking has been linked to poor skeletal health in both men and women, and the longer one smokes, the greater one’s risk for fracture.

NORFOLK DAILY NEWS, TUESDAY, JANUARY 19, 2016

11-A

Cataract Surgery Common and Effective As men and women age, their risk for cataracts increases. Starting at age 50, cataract risk rises, and that risk only grows more significant as men and women get older. The National Eye Institute predicts that, by the year 2050, 50.2 million Americans will experience cataracts.

The lens of the eye is normally clear, but as a person ages, the lenses can begin to cloud and lead to impaired vision.

Cataracts can cause blurry vision and increase the glare from lights, affecting how a person can manage daily activities.

Cataracts also may make it more difficult for eye doctors to examine the back of the eye during routine visits to detect conditions such as age-related macular degeneration or diabetic retinopathy.

Eye experts routinely recommend cataract surgery when cataracts interfere with daily activities, such as driving, watching television or even reading medication bottles.

Surgery is a safe and common way to treat cataracts.

The American Optometric Association says cataract surgery involves the removal

of the natural lens of the eye, which is replaced with an artifical lens. This clear, plastic intraocular lens, or IOL, requires no special maintenance and is designed to properly focus. In many cases, the eye doctor will make a small incision in the side of the cornea, where he or she inserts a tiny probe. This device will use ultrasound waves to soften and break up the lens into small pieces, which are removed by suction in a process known as phacoemulsification. The cataract lens is removed, but the thin, outer layers of the lens, called the lens capsule, are not touched. Afterward, the IOL is placed in the lens capsule.

If the cataracts have advanced and phacoemulsification is not an option, the eye doctor will have to find another way to remove the lens.

The IOLs used may be monofocal, fixedfocus, accommodating, and multifocal lenses, and which type of lens is best for a patient’s needs will be determined by the eye doctor.

Cataract surgery may only take 15 minutes, though patients will likely spend

more time at the surgical facility to allow for prep time and post-operative evaluation. Recovery will involve the use of medicated eye drops several times daily, and a protective eye shield should be used while sleeping.

As the eye recovers, a special pair of postoperative sunglasses are required to protect the eyes from bright light. Eye doctors also advise patients to avoid strenuous activity, including exercise, for at least the first

week of recovery. Water splashed in the eyes can cause infection, so swimming should be avoided and caution should be taken when bathing or showering.

All About Vision says it can take several weeks for the eye to heal sufficiently. If both eyes require surgery, doctors will often wait one to three weeks before performing surgery on the second eye.

Learn more about cataract surgery by speaking with your eye doctor or visiting www.aoa.org.

Recommended Immunizations For Those Age 50+ tetanus, diphtheria and pertussis and is especially necessary for people who have close contact with young infants. Pertussis, or whooping cough, can be passed on to youngsters and make them very ill. If you’ve never received a Tdap vaccine, the CDC suggests getting it at least once.

Individual tetanus boosters should be received every 10 years.

• Pneumococcal: Pneumococcal disease is an infection caused by the pneumococcus bacteria. It can cause pneumonia, blood infection, ear infections, and even bacterial meningitis. This vaccine is given to adults age 65 and older or to younger adults at their physicians’ discretion.

• Hepatitis A: Individuals with medical, occupational or lifestyle conditions, such as healthcare workers or people with chronic liver disease, may need a two-dose series of the hepatitis A vaccine.

Adults who are avid travelers to various parts of the world that may bring them in contact with animals or people who do not receive the same course of immunizations may need additional vaccines. Speak with a doctor about which immunizations are recommended before travel.

Feidler Eye Clinic & Optical “Dedicated to Preserving the Gift of Sight.”

2800 W. Norfolk Ave. Norfolk, NE

Jeff Klein, O.D.

Specialty: Comprehensive Eye Exams Post-Operative Care Urgent Care Glaucoma & Diabetic Mgmt.

Contact Lenses Pediatrics

William Miles, M.D. Ann Feidler-Klein, O.D. Herbert Feidler, M.D. Specialty: Comprehensive Eye Exams Post-Operative Care Pediatrics Glaucoma & Diabetic Mgmt.

Contact Lenses

Specialty: Macular Degeneration Treatment Diabetic & Glaucoma Eye Care Laser Treatment Growth Removals Cataract Specialist

Specialty: Cataract Surgery Eyelid Surgery Botox Injections Tear Duct Probing

402-371-8535 / 800-582-0889 www.FeidlerEyeClinic.com

119860

Routine immunizations can keep people safe and healthy. Certain vaccinations can prevent diseases from producing symptoms, while others can lessen the duration of an illness or make conditions less severe.

Vaccination schedules become a way of life for parents to young children. But vaccinations aren’t just for kids, and adults should keep tabs on their immunization histories to ensure they’re up-to-date with vaccinations for their particular age group and lifestyle.

The Centers for Disease Control and Prevention warns that the elderly are more likely to die of a vaccine-preventable disease than other age groups. The immune system begins to decline as we age, so the body can benefit from the disease-fighting boost provided by vaccinations.

Individuals at any age should discuss immunizations with their doctors, but it’s a particularly important conversation for those age 50 and older.

Vaccine schedules and recommendations may vary depending on where a person lives, but the following immunization recommendations are offered courtesy of the CDC. • Influenza: An annual flu shot can help prevent the nearly 36,000 deaths that occur due to flu each year in the United States. The flu vaccine is designed to combat the current strain of flu, so it is recommended anytime between September to March, which is the prime flu season.

People age 50 and older should opt for the injection rather than the nasal form of the vaccine.

• Tdap: This vaccine protects against

12-A

NORFOLK DAILY NEWS, TUESDAY, JANUARY 19, 2016

Tips For Grandparents Helping To Raise Children As retirement age approaches, many older adults envision themselves downsizing and moving to a quaint community to enjoy their golden years in as relaxing a fashion as possible. However, for a growing number of seniors, their retirement years are being spent helping to raise grandchildren.

United States Census data from 2010 indicates 4.9 million American children are being raised solely by their grandparents. Many grandparents provide part-time care when their older children have to move back home with their families.

Although being raised by grandparents may not be the ideal situation for all parties involved, such situations are a necessity for many families. Seniors who are once again thrown into the caregiver arena may need a crash course in childcare or a few pointers on parenting in the modern age.

• Get the right equipment. Children certainly require a lot of gear, more than grandparents likely used when raising their own children. Certain safety requirements are in place to safeguard young children, and that often means investing in new cribs, car seats, high chairs, and other items. Grandparents should resist the temptation to use old items they may have kept in storage, as such items may no longer be safe and could put grandchildren at risk for injury.

• Gather important documents.

Grandparents should keep pertinent documents in one easily accessible place in their homes should an emergency arise.

These include birth certificates, health immunization records, death certificates (if the child’s parents are deceased), dental records, school papers, citizenship papers, and proof of income and assets.

• Speak with an attorney. Lawyers can help grandparents wade through legal arrangements, such as filing for custody, guardianship or adoption. Options vary depending on where petitioners live, but lawyers can provide peace of mind to grandparents concerned about their grandkids’ futures.

• Investigate financial assistance. Seniors may not earn the income they once did and may be on assistance programs or living off of retirement savings.

Grandparents who find themselves caring for a child may be eligible for financial assistance. The Temporary Assistance for Needy Families is a joint federal and state program that can provide need-based financial assistance. The AARP or the organization GrandFamilies may be able to put grandparents in touch with financial advisors in their areas.

• Contact schools and daycare centers.

School-aged children will need to be enrolled in school. Grandparents should contact the department of education where they live to learn about local school systems, especially when grandkids are moving in with their grandparents. Some

Volunteer Your Time to Change a Child’s Life R

Ready to Stand up for a child who needs you?

We are always looking for volunteers.

of Northeast Nebraska

Court Appointed Special Advocates FOR CHILDREN Ruth Matthews-Mott Director

2501 Lakeridge Dr. Ste. 104 A Norfolk, NE 68701 (402) 371-9599

119935

CALL AND COMPARE • Quotes • Immediate Coverage • Discounts • Reliable Service

COMPLETE INSURANCE • Auto • Home • Business • Health • Life • Farm & Crops Al Throener Seth Pohlman Jim Campbell

120112

1021 Riverside Blvd. Norfolk, NE

711 10th St. Stanton, NE

(402) 644-3485 or (402)649-2201

(877) 888-8480 or (402)439-2010

grandparents can qualify for free or lowcost daycare, and such programs can be discussed with local Social Services offices.

Enrollment in school or daycare can provide grandparents with much-needed free time during the day.

• Find emotional support. Taking care of grandchildren is a full-time job. At times, grandparents may feel stressed or out of sorts. Having a strong support system available can help grandparents work through the peaks and valleys of this new and unexpected stage in life. Churchor community center-based counseling services may be available. Grandparents also can check with their healthcare providers to determine if counseling or therapy sessions are covered under their plans.

Caring for grandchildren is a lifechanging event. Although it can be

fulfilling, it also requires a lot of energy and commitment. But grandparents needn’t go it alone, as there are numerous resources available to seniors who suddenly find themselves caring for their grandchildren.

Easy Ways To Get More Youthful-looking Skin Few people would pass up the opportunity to look younger. But men and women who want to look a little more like their younger selves without resorting to surgery can still have younger, healthierlooking skin without going under the knife.

The following are a handful of natural ways to keep skin vibrant and youthful.

• Quit smoking. Quitting smoking can add years to your life and improve your appearance. Smoking damages collagen and elastin in the skin, which are the substances that help keep skin flexible and firm. Also, smoking decreases blood flow to the skin and makes it difficult for it to receive enough oxygen to stay healthy. The act of smoking also can contribute to olderlooking skin. Pursing the lips to draw on a cigarette, as well as squinting to avoid smoke in the eyes can lead to the formation of wrinkles on the face.

• Steer clear of the sun. Excessive exposure to ultraviolet light damages the skin and can cause it to age prematurely.

Also, inadvertent UV exposure, which can happen when running errands or sitting in front of an open window, also can affect the skin. Sun exposure is the top cause of uneven skin tone and dark spots. Always wear sunscreen to protect the skin from the sun.

• Drink more water. A dehydrated body will divert water to the organs that need it the most, including the liver and heart.

When that happens, skin pays the price by not receiving adequate hydration for skin cell renewal. By drinking the recommended six to eight glasses of water per day, you can ensure your body is getting the fluids it needs.

• Exercise. By working out you’ll promote good cardiovascular health, which in turn will deliver blood flow and nutrients to the surface of your skin. Skin cells are pushed to the surface of the skin,

helping to create a younger appearance and glow. Exercise also can help banish stress, which can contribute to an older appearance and frown.

• Avoid alcohol. Drinking alcohol in excess can damage blood vessels over time.

This can cause burst capillaries at the surface of the skin, which are highly visible.

Drinking also may lead to flushing, which can affect appearance. People who have damaged their livers from drinking too much or abusing medication may develop jaundice.

• Avoid stressful situations. It’s impossible to avoid all the stressors in life, but taking steps to reduce stress can improve your psychological outlook and appearance. Stress can lessen your body’s ability to function properly, and that can affect the appearance of your skin. Stressrelated insomnia can lead to undereye bags and a tired appearance. And according to the Archives of Dermatology, stress can increase your risk of skin diseases and may cause wounds to take longer to heal.

• Eat a healthy diet. Your skin is the largest organ in your body, and it makes sense that healthy foods will benefit the skin. Omega-3 fatty acids found in walnuts, flax and fish oil are important for skin health because they support healthy cell membranes. Antioxidants like vitamins A and C also are beneficial because they fight the effects of cell oxidation and combat free radicals that can lead to illness.

• Take care of your skin at night.

Moisturizers and serums with concentrated blends of vitamins, antioxidants and botanicals are most effective at night.

That’s because, when applied at night, such products are in contact with the skin for several hours without being wiped off. Just be sure to apply any products to clean skin for maximum effect.

NORFOLK DAILY NEWS, TUESDAY, JANUARY 19, 2016

13-A

14-A

NORFOLK DAILY NEWS, TUESDAY, JANUARY 19, 2016

Glaucoma Does Not Always Exhibit Symptoms As the human body ages, certain things might not work as well as they used to.

Though no two individuals are the same, there are certain things people expect to deal with as they age.

Changes in vision are one thing many people associate with aging. Some people maintain perfect vision throughout their lives, while others’ vision deteriorates and conditions begin to develop. Though not exclusive to the elderly, glaucoma is one such condition many seniors must deal with. But even though risk for glaucoma increases as a person ages, that doesn’t mean younger men and women should not familiarize themselves with this condition and learn its symptoms and characteristics. In fact, glaucoma can be present for years before it’s recognized. This only further highlights the importance of understanding this condition so, should it appear, it can be effectively treated as soon as possible.

What is glaucoma?

Glaucoma is a term used to refer to a group of conditions that can cause damage to the optic nerve. The optic nerve is responsible for carrying visual information from the eye to the brain, and oftentimes optic nerve damage is a result of increased pressure in the eye. In the United States, glaucoma is the second most common cause of blindness.

What role does intra-ocular pressure play?

The eyes are filled with fluids that help maintain pressure in the eye. That pressure is called intra-ocular pressure, or IOP. IOP is not a bad thing, but high IOP is a risk factor for glaucoma. Measuring IOP is fairly easy. Doctors will use a tonometer to measure IOP, but men and women should know that normal IOP does not necessarily mean a person does not have glaucoma, nor does high IOP mean a person does have glaucoma. While high IOP is a risk factor for glaucoma and controlling IOP is a focus of glaucoma therapy, there is more to diagnosing and treating glaucoma than just focusing on IOP.

What causes high IOP?

The eye produces a fluid called the aqueous humor which is used to bathe and nourish the various parts of the eye. This fluid typically flows out of the eye through channels in the front of the eye in an area called the anterior chamber angle. When the flow of the aqueous humor is blocked or slowed, the fluid gets trapped in the eye and then IOP builds, at which point damage to the optic nerve can occur.

glaucoma is present at birth and results from an abnormal development of the fluid outflow channels in the eye.

Symptoms are typically noticed when the child is a few months old. These can include cloudiness of the front of the eye, enlargement of one or both eyes, sensitivity to light, tearing, and reddening of the eye. * Secondary glaucoma: Secondary glaucoma results from other conditions, including uveitis, a condition where the middle layer of the eye, known as the uvea, swells and causes irritation.

Secondary glaucoma can also result from systemic diseases and drugs such as corticosteroids.

Are all cases of glaucoma the same?

Not all cases of glaucoma are the same.

In fact, there are four major types of glaucoma.

Assisted Living & Long Term Care With . . . TLC

• Medicare & Medicaid Certified • Restaurant Style Dining • In-house Church Services • Physical, Occupational and Speech Therapy for both InPatient and Out-Patient • Licensed Nurse Available 24 Hours/day • Assistance with Bathing, Dressing, Personal Cares, Grooming & Meals • Restorative Therapy 119568

901 South 4th Street • Battle Creek, NE 68715 • (402) 675-7845 • (402) 675-2955

Instead of Guilt, Instead of Doubt, Instead of Worry, There is...

Meal Preparation, Light Housekeeping, Medication Reminders, Shopping & Errands, Incidental Transportation, Personal Cares

119813

* Open-angle, or chronic, glaucoma: Open-angle glaucoma is the most common type of glaucoma. The cause is unknown, but an increase in eye pressure occurs slowly over time as the pressure starts to push on the optic nerve and the retina at the back of the eye. This type of glaucoma tends to run in families, so men and women who have a parent or grandparent who has had open-angle glaucoma should not miss appointments with his or her eye doctor, even if vision seems normal. This is especially important because most people with open-angle glaucoma have no symptoms until they begin to lose vision, though gradual loss of peripheral vision may occur. * Angle-closure, or acute, glaucoma: Angle-closure glaucoma occurs when the aqueous humor is suddenly blocked. This is very noticeable, as it causes instant and severe pain as the IOP quickly increases.

Risk for angle-closure glaucoma increases for those who have already had it one eye.

Symptoms include decreased or cloudy vision, nausea and vomiting, seeing rainbow-like halos around lights, and reddening of the eye. * Congenital glaucoma: Congenital

402.379.8225 • homeinstead.com104 1800 W. Pasewalk Ave., Suite A, Norfolk

Shopping for an Assisted Living Facility The decision to move yourself or a family member to an assisted living facility can be difficult. When men and women begin to experience difficulty with everyday activities, such as bathing, dressing or getting around, families may need to explore assisted living facilities.

Millions of people in North America reside in assisted living facilities. The majority of residents in senior living are those who may need assistance with one or two daily activities, but who are otherwise mobile and self-sufficient. Families faced with moving relatives into assisted living facilities can consider the following pointers to find facilities their loved ones will enjoy.

• Consider the arrangements and services offered. Some facilities offer single rooms, while others provide apartment-style living.

Most assisted living facilities provide a variety of services, such as housekeeping, laundry, exercise and wellness classes, and social activities, for their residents. Investigate the offerings at each home you visit, looking for a facility that best suits your loved one’s needs.

• Inquire about staff and their schedules.

It is important to know how many staff members a facility has and how many people are working at any given time. Do staffing schedules differ at night? If a resident has a particular rapport with one staff member, can he or she be requested? Look for a facil-

ity that is well-staffed and adept at dealing with elderly men and women.

• Learn about individual service plans.

Many assisted living facilities create individual service plans, or ISPs, for their residents to ensure individualized care is given. These plans are important for the safety and comfort of residents and also can help maximize a person’s independence. Some communities offer memory care programs for those with Alzheimer’s disease or other cognitive disorders.

• Consider the security in place. A good assisted living facility has a 24-hour support system in place and immediate access to care. Rooms may be equipped with emergency phones that can be accessed day or night. Many homes have check-in desks so that residents are accounted for when going on outings and for announcing guests.

• Check on licensing. In the United States, each state has its own licensing requirements for assisted living facilities.

Confirm a facility is licensed and that it meets the expectations of the local regulatory agency. In addition, check with the Better Business Bureau to see if any complaints have been filed against the home.

Assisted living facilities can meet the needs of people who cannot live independently but do not require the around-theclock care of a nursing home.

NORFOLK DAILY NEWS, TUESDAY, JANUARY 19, 2016

15-A

Understand and Avoid Elder Financial Fraud Elder fraud is a financial crime that targets older men and women who are often unable to recognize they are being victimized. Elder financial fraud is a broad term that can be applied to a host of crimes, from stealing money or property directly from an individual to using an older person’s property or possessions without permission.

Many seniors are targeted through telemarketing scams in which elders are scared into giving money out of fear of losing their homes. Some are exploited by people closer to home who forge signatures or get an older person to sign over deeds or power of attorney.

Criminals often see elderly men and women as easy targets. Seniors may be suffering from declining physical and/or mental health, which compromises their ability to defend themselves or even recognize they are being taken advantage of.

Seniors also may be embarrassed that they were duped and not share their experiences with others as a result. But elder fraud also can be perpetrated by family members who aim to acquire an elderly relative’s assets.

Recognizing scenarios where fraud may be committed can help men and women protect their elderly relatives from being victimized by elder fraud.

• Confirm professionals are who they say they are. More than 170 designations

and certifications are used within the financial industry to identify professionals. Some of them do not necessarily mean a person is qualified or can be trusted to handle an individual’s assets.

Always ask a financial advisor if he is overseen by a government agency or is authorized to provide advice under the “fiduciary standard of care.” Be especially careful when dealing with advisors who try to push certain products or those who suggest shortcuts and blending services.

Such professionals are not necessarily criminals, but they may have ulterior motives in mind and not be overly concerned about you or your loved one’s financial well-being.

• Pay attention to your accounts.

Unusually large withdrawals from automated teller machines or cashed checks with signatures that do not match the signature on the account are both indicative of fraud. If you are monitoring a loved one’s accounts, question any surges of activity in accounts that are normally somewhat inactive.

• Ask a loved one to keep you abreast of changes in their will. Abrupt changes in a will or other financial documents should also cause concern. Family members caring for a senior should be aware of any major changes to important documents.

• Monitor a loved one’s purchases.

Sudden purchases, whether it’s an updated insurance policy or unnecessary home repairs, may be indicative of elder fraud.

Elder financial fraud targets an often

vulnerable segment of the population, and it’s often up to loved ones to protect their elderly relatives from being victimized by such crimes.

5 Ways To Honor Your Grandparents Grandparents hold a special place in the hearts of people all over the world. In many cultures, elders are revered and celebrated, and many people know their grandparents as fun-loving folks who sneak their grandchildren candy and let them get away with things when their parents aren’t looking.

The American Grandparents Association says there are 70 million grandparents in the United States, and more than a million people become firsttime grandparents every year. Many grandparents even serve as the primary caregivers for their grandchildren.

The roles grandparents play in the lives of their children and grandchildren are significant, and the following are some ways to honor the grandparents in your life.

• Create a customized brag book.

Grandparents often enjoy sharing photos and stories of their family members with others. Thanks to user-friendly software, it is now easier than ever to design a brag

book, photo album or even a photo calendar that grandparents can cherish. Rely on a photo-sharing site to get started.

Remember to include special moments, such as family trips or milestone occasions, that highlight what your grandparents mean to you.

• Develop a family history project.

Forays into genealogy don’t need to be limited to class assignments. Examining the family tree can be a unique way to spend more time with grandparents or other seniors in your life. Chronicle moments in your family history and compile a catalog of genealogical data. You never know which details of historical significance you may uncover when exploring your family history.

• Organize a special outing. Take an interest in a grandparent’s hobby or occupation. Schedule a date when you spend time together exploring this interest, whether it be fishing, scrapbooking or taking in a sporting event. This will reinforce bonding time.

Living in the Now, Preparing for the Future

For many of us, our goals in life remain constant: financial independence and providing for family. Striking a balance between saving for goals, such as education and retirement, and allocating money for daily expenses can be challenging. But you can do it.

Brad Pflueger, AAMS® Financial Advisor 434 Norfolk Ave. P.O. Box 39 Norfolk, NE 68702 Phone 402-371-1703 877-379-1703

119936

Paula Pflueger, AAMS® Financial Advisor 434 Norfolk Ave. P.O. Box 39 Norfolk, NE 68702 Phone 402-371-1703 877-379-1703

Jon R. Hansen Financial Advisor 2501 Lakeridge Dr. Norfolk, NE 68701 Phone 402-371-9761 888-371-9772

Chase Pflueger, AAMS® Financial Advisor 1317 W. Pasewalk Ave. Suite 100 Norfolk, NE 68701 Phone 402-379-7913 855-379-7913

Kent Friedrich, AAMS® Financial Advisor 1103 Riverside Blvd.

Norfolk, NE 68701 Phone 402-379-0243 877-379-0243

www.edwardjones.com

Jared J. Jansen Financial Advisor 2100 Market Lane Suite 300 Norfolk, NE 68701 Phone 402-371-9072 877-371-9072

Member SIPC

Learn how you can redefine your savings approach toward education and retirement.

Call or visit today.