Neighborhood Publications Reaching Over 125,000 San Diego Area Mailboxes Every Month! Follow & Like Us Online!
STRONG CONNECTIONS
Browse all editions online at Issuu.com/PrintandMailExperts
HYPER-LOCAL COMMUNITY PUBLICATIONS
Local Umbrella Media publishes hyperlocal, positive, upbeat, community publications, focusing on supporting local businesses, lifestyle articles, upcoming events, talents and contributions of the locals who live and work in our communities.
ADVERTISING INQUIRIES BRAD WEBER | 619-300-1732
brad@localumbrella.com
EDITORIAL SUBMISSIONS
I finally got to see Glacier National Park this summer. It was stunning and a true national treasure if you haven’t been. On my one-week trek, I did a lot of “Forest Bathing.” This is the Japanese practice of being immersed in nature to improve mental and physical wellbeing. Cell service was horrible, to my delight, and I felt truly recharged.
One night, we sat out on the porch in utter silence, bundled up in blankets, and gazed at the stars. So clear (no light pollution). We were trying to glimpse the northern lights (no such luck), but wow…the stars created their magical show of constellations.
Spending time with friends on this trip reminded me how important it is to stay connected as we age. It’s easy to let friendships or family visits slip, leading to isolation, which becomes more challenging as we age. A loneliness epidemic has gripped our nation, affecting not just older adults but also teens and young adults. So, what can we do? This month’s article highlights the #PeopleWhoCare movement, which is working to make a difference.
SAY YES
Fall and the start of the holidays have arrived. I plan to take each week slowly and not look too far into the future to savor each moment of the beautiful season and say yes to new things.
At the beginning of 2024, a good friend announced she was saying “YES” to anything that came her way: art class, new cuisine, boogie board, yes, yes, yes! I thought, what a great idea! She’s in the latter half of her 60s and isn’t applying the breaks anytime soon.
I’ve always admired how she 100% controls her life’s journey, even when life occasionally throws a lemon her way. I equate this to the same control we must pursue in our health and aging journey. The better we plan, the better we age.
SPEAK OUT LOUD!
The Sounds of Summer
Speech pathology plays a vital role in improving the quality of life for individuals with neurological conditions, offering a range of treatments, and emphasizing the importance of early intervention. The key is early intervention. Groups like SPEAK OUT! Speech Groups, Aphasia Groups, Cognitive Fitness Groups, and programs like neuro LOUD and exercise make a big difference in how we live with these diseases. We can do more for ourselves and our loved ones—better aging depends on it.
GENERATION X ALMOST 60!
The oldest Gen-Xers turned 59 in 2024; yes, we’re just a couple of months from Gen-Xers entering their 60s and becoming part of the older generation. Look out! We are a funky bunch—the original latch-key kids who grew up with little supervision. That’s going to be a wild ride for our adult kids.
FAR-OUT!
Have you ever considered donating all those extra housewares to a “starving” college student setting up their first apartment? You’d be amazed how “in” your “old” things are today with Gen Z. They like to upcycle. Mid-century furniture is soaring in popularity again. So, before you think no one wants your stuff, ask a college student to help them save a buck. I just moved my youngest into her first college apartment, and her kitchen looked like a 1970s suburban home. She did almost all her shopping in second-hand stores. I was thrilled at the cost, and she was ecstatic at her cool stuff. Far-out indeed!
TAKING IT TO THE AIRWAVES
I said YES! The Get Ready for Better Aging podcast will air in mid-October on the MindBodySpirit.FM network and wherever you listen to podcasts. With real stories and expert guest interviews, I’ll explore the challenges and paths to aging and living well. I look forward to your feedback.
Age Well!
Jacqui Clark, CSA Editor in Chief
Jacqui Clark is a Certified Senior Advisor™ (CSA™) consultant with Living Coastal Senior Resources, editor-in-chief of Aging Well Magazine, and host of Get Ready for Better Aging podcast. She is an industry-leading living-andaging well expert and a respected communications specialist. Jacqui@LivingCoastalSR.com www.ThisIsLivingWell.com
accepted in good faith.
Neurological diseases are on the rise, and our feature article, “The Vital Role of Medical Speech-Language Pathology in Neurological Rehabilitation,” is one of the most important subjects we’ve ever covered. We need to look at management for stroke, TBI, ALS, Parkinson’s, MS, Dementia, and more… in a whole new light. The focus should be on how to live with these diseases the best we can.
Get Ready For Better Aging… in this issue: Elder Fraud: Protecting Yourself from Scams, The Cost of Clutter, It’s Just a Mortgage, Iridology: A Window into Health Through the Eyes, How to Get the Most Out of Your Senior Care Consultant (Placement Agent), Medicare 2025: Key Updates and What You Need to Know, People Who Care Movement, Get Ready for Better Aging, Permaculture: A Sustainable Way of Living, Redefining Real Estate Commissions Can Be A WinWin,Pumpkin Spice Snickerdoodle Recipe... and more.
Elder Fraud: Protecting Yourself from Scams
Every year in the United States, scams targeting seniors lead to losses at the multi-billion-dollar level. With the holiday season approaching, it’s timely to be on the lookout for two types of scams that frequently target seniors:
Gift card scams – where the unsuspecting victim is coaxed into buying gift cards and sharing their redemption codes – are popular among fraudsters. The scammer typically contacts the
victim by phone, email, or social media. They instill a sense of urgency by posing as a distressed family member, a government or utility company official, or a tech support representative. They claim that a pressing issue can be instantly resolved by purchasing gift cards from popular retailers and then sharing the codes with the scammer. Once these codes are in the scammer’s hands, the money is gone in a matter of minutes.
Romance Scams prey on people who feel lonely, especially during the holiday season. The absence of loved ones, memories of times gone by, and isolation intensified by colder weather can make seniors more emotionally vulnerable. As seniors increasingly venture into the digital realm of online dating, the same platforms that promise companionship also harbor dangers. Cybercriminals who pose as potential romantic partners exploit the emotional needs of their victims. They may spend weeks or months courting the targeted senior before an urgent need for a loan, a time-sensitive business opportunity, or a family emergency pops up. The fraudster will appeal to an older person’s generosity and desire to be helpful, promise to pay them back and shower them with verbal affection to finance their request. Of course, it’s all bogus, and the money (and relationship) disappears as soon as the funds are handed over. To avoid falling victim to these scams, the lead FBI Special Agent for the Elder Justice Task Force in San Diego offers simple
“Elder fraud affects our most vulnerable citizens,” said FBI San Diego Field Office Special Agent in Charge Stacey Moy. “In many instances, someone has had their entire life savings stolen, and they’re embarrassed to speak out about it. We want victims to know that they are not alone and should report it to law enforcement as soon as possible because we want to get the bad people responsible for these crimes off the street.”
advice, “Never send money to someone you don’t know.”
Why are Seniors Targeted?
Several factors make older adults prime targets:
• Digital unfamiliarity: Seniors might not understand the digital implications of gift cards or that sharing the redemption code is tantamount to giving away money.
• Isolation: Living alone or being distant from family makes seniors susceptible to scams, especially when a scammer poses as a trusted person – such as a friend, government official, or utility company representative.
• Cognitive challenges: Age-related cognitive decline can hinder seniors’ ability to recognize suspicious activities quickly.
• Emotional manipulation: Scammers fabricate scenarios that prompt strong emotional reactions, muddling the targeted individual’s judgment. These kinds of scams aren’t limited to seniors—they have targeted people of all ages.
The FBI’s Role in Combating Scams
Recognizing the growing threat of such scams, especially to vulnerable groups, the Federal Bureau of Investigation (FBI) has responded proactively. The FBI regularly releases information on current scamming tactics, helping to educate the public about what to watch out for. Specialized cybercrime units are dedicated to tracing and tracking digital scam operations and working diligently to shut them down.
Despite the FBI’s efforts, prevention remains the best form of protection:
• Stay informed: Knowledge remains our most powerful shield. Understand the common scams and never provide personal or payment information impulsively.
• Safeguard personal information: Be cautious about sharing personal details online, as scammers can manipulate them. Don’t share personal or financial data over the phone if you didn’t initiate the call.
• Verify information: Always double-check any suspicious claims by contacting the alleged source directly.
• Maintain connections: Regular interactions with family and friends can help detect and prevent suspicious activities.
• Foster open communication: Talk about dubious calls or interactions you’ve experienced. Elder fraud victims are often embarrassed and worry about telling their adult children or caregivers when they’ve lost money for fear of losing access to their accounts. Make it safe to have vulnerable conversations and share information.
• Report any suspicions: If a call or transaction feels off, report it immediately. Speedy reporting can increase the chances of culprits being apprehended and serves as a warning for others. In San Diego County, the Law Enforcement Coordinator Center compiles tips and information that seniors and their loved ones report. Report the who, what, when, where, and how details of your attempted scammer to local law enforcement (police or sheriff’s department) and the Internet Crime Complaint Center (IC3) at IC3.gov.
Visit SDElderFraud.com to learn more and register to attend a free elder fraud presentation with an FBI agent:
Wednesday, November 13 at 11:30 a.m. Norman Park Senior Center
270 F Street, Chula Vista, CA 91910
Tuesday, November 19 at 1 p.m. San Marcos Senior Activity Center
111 Richmar Ave, San Marcos, CA 92069
According to the FBI, more than 88,000 fraud victims aged 60 and older suffered $3.1 billion in losses in 2022, an 84% increase from the prior year. Each victim lost an average of $35,101.
Cox is an FBI San Diego Citizens Academy graduate and Immediate Past President of the Alumni Association. She founded the non-profit Victim Assistance Project in 2019 and launched an elder fraud outreach initiative in 2023. The organization is committed to sharing information that prepares and prevents seniors from becoming victims of scams. More information and resources are available at SDElderFraud.com
Elizabeth
The Cost of Clutter
You may have heard the name Marie Kondo, arguably the world’s most famous Professional Organizer, who suggests you hold each object in your home to see if it “sparks joy.” If it doesn’t, Kondo says it needs to go. An entire industry has bloomed around the idea that making these decisions can be utterly overwhelming. This unique niche has become popular here in San Diego, helping people with everything from move management to clearing out cluttered cabinets and tackling overstuffed garages. This kind of help can enhance your well-being, productivity, and mental clarity. Is your home the sanctuary you always hoped it would be? If someone were to drop by, would you invite them in? Do you have a room filled with those “someday” boxes that you’ve been planning to unpack but secretly dread?
Decluttering is time-consuming, energy-draining, and inevitably involves a trip down memory lane. That can feel tiring and sometimes brings up painful memories from the past. Spending time going through everything can mean missing out on traveling, golfing, or cooking. Your home should be a place to relax, rejuvenate, and enjoy life with friends and family. Even though we’d rather not acknowledge it, there’s an emotional cost to that overflowing closet. Maybe you have an extra room that would be great for hobbies or your grandkids’ toys, but it is “off-limits” even now. If you’re constantly looking for things or are living lost among piles of paper, a Professional Organizer can help! What if…
• Instead of shutting the door on those “maybe later” rooms, you could wave your magic wand, have those boxes unpacked, and every last thing put away before that turkey hits the table on Thanksgiving Day.
• You could relax and read while your energetic organizer sorts everything into categories so you can see what you have.
All the clothes, picture frames, dishes, and housewares would be whisked away for donation, gifting them to someone who would be thrilled to have your treasure?
Once the decluttering and donating are underway, a great organizer is creative and helps you maximize your existing space so you won’t have to spend money on even more space. Many clients think they need new closet systems, an extra garage, or a storage unit. With the right help, you’ll be amazed at how much room you already have. We just have to think a little differently, find homes for every last thing, and—you guessed it—get organized!
When everything has a place, your home stays tidy and beautiful. The mental clarity that comes with an organized home makes this the ultimate form of self-care.
Here are some great questions to ask before hiring a Professional Organizer. The answers below are exclusive to the author’s company.
Will you make me get rid of everything?
Definitely not. You’ve spent a lifetime curating collections and creating priceless memories.
We’ll work together to help you let go of the real clutter and create space for the treasures that matter most to you.
Do I have to be home when you organize?
You are certainly welcome to be, but it’s up to you. As long as you can check in with me throughout the day, you can come home to a brand-new space!
Do I work alongside you?
Only for the decluttering process, which can sometimes be completed through photos on text.
Are you certified, trained, or insured?
Yes to all.
“When everything has a place, your home stays tidy and beautiful.”
Serving the 50+ Community in San Diego County
San Diego Oasis is an award-winning nonprofit organization that has been serving people 50+ throughout the San Diego region for the past 35 years.
Our mission is to promote successful aging through a three-fold approach:
• Lifelong Learning
We hold classes throughout San Diego County in 3 formats: in-person, hybrid, and online.
• Healthy Living
We offer sessions in fitness, dance, nutrition, life-style, and chronic disease management.
• Intergenerational Programs
We have hundreds of trained volunteers who dedicate their time to at-risk youth through reading tutoring, book giveaways, and mentorship programs.
Ways to Participate
• Become a Member (it’s free!)
• Sign up for classes
• Become an Elementary Student Tutor
Organized, a one-woman powerhouse specializing in whole-home organizing, one room at a time. A native of New Orleans, she earned her Master of Social Work degree from Tulane University. She is uniquely qualified to listen and understand her client’s needs, crafting unexpected solutions to reduce overwhelm and elevate their lives.
• Become a Donor
• Volunteer at our La Mesa location
• Volunteer at our Rancho Bernardo location
• Rent space for your next party or meeting
• Advertise in our catalog
To learn more about these opportunities, send us an email at Info@SanDiegoOasis.org
San Diego Oasis is a 501(c)3 public charity: Tax ID #30-0403895
me
4,500
Jackie Citerony is the owner of Label Me
La Mesa Rancho Bernardo
It’s Just a Mortgage
Misinformation is rampant in the world of reverse mortgages.
All you need to do is Google “reverse mortgages,” and you will see so many articles and posts that it will make your head swim. Over the past decades, only a few financial products have evolved and improved more than this one, but that sure doesn’t get headlines and clicks online; good news usually doesn’t.
With so much to share and limited space for our discussion, I want to focus on what I see as the most important pieces of misinformation. First, I start every conversation with someone inquiring about reverse mortgages by saying it is “Just a Mortgage.” That’s right. The only difference between a reverse and a traditional mortgage is that you don’t have to make a principal and interest payment unless you decide to. There is no obligation to make a payment!
Under the umbrella of “It’s just a mortgage,” did you know that a reverse mortgage offers flexibility? You can choose to make payments, refinance for better terms, or even use it to purchase a new home. This adaptability makes a reverse mortgage a versatile financial tool, putting you in control of your financial future. Another common misconception is that the bank or lender takes ownership of your home in a reverse mortgage. This is not the case. In reality, a reverse mortgage functions much like a traditional mortgage. It places a lien on your home, which must be repaid when you sell the house or if you move out in the case of a reverse mortgage. You retain ownership of your home.
Let’s discuss the most often-used strategy with those two key concepts out of the way. It is estimated that 70% of reverse mortgages originated to eliminate the need to make a mortgage payment, i.e., freeing up monthly cash flow for the household. Many retirees today face a monthly shortfall or a very tight budget while sitting on a large amount of home equity.
Case Study #1
A recent client of mine was precisely in this situation. A healthy 80-year-old woman was coupon-cutting and living exceptionally
frugally while seeing her investment account dwindle. She had $1.3 million worth of home equity yet was required to make a $1500 monthly mortgage payment. Her kids strongly desired her to travel and enjoy her retirement, so we discussed and eventually helped her complete a reverse mortgage transaction, which enabled her to eliminate the payment. At the same time, we also opened a line of credit she could use for her travel. This improved her household cash flow while giving her access to money without continuing to draw down her investments.
Case Study #2
A widow had a home that was too big for her, and she wanted to downsize while moving closer to her children and grandchildren. She was also running out of money in her investment account, even though she had over $1.5 million in home equity. The home was paid and mortgage-free. So, we helped her with what the industry calls the “Move Down” scenario. First, she sold her home in the Los Angeles area, which netted her $1.3 million after taxes and expenses. Her next step was to buy a smaller condo in the desert for $700,000, and she used a reverse mortgage to finance a piece of this transaction. The mortgage was for $280,000, so she used $420,000 of her sales proceeds and then funded her investment account with a balance of $880,000. This strategy enabled her to buy the home she wanted with no mortgage payment, and her retirement account was funded, allowing her to enjoy the rest of her life!
This was a truly impactful event in our client’s life. As living costs continue to rise well beyond social security, pensions, and savings, we will see more of this in the coming months and years.
Remember, “it’s just a mortgage”.
“You can choose to make payments, refinance for better terms, or even use it to purchase a new home.”
Daniel Williams is a Certified Reverse Mortgage Professional with almost 20 years of experience in the residential lending industry and co-author of two books.
Daniel is with C2 Financial, the largest mortgage broker in the country, and has been a Top 20 Producer in multiple recent years. Daniel also has expertise in investment real estate and works closely with our veterans to help them with the VA mortgage process. www. sandiegolending.us daniel@ sandiegolending.us
The Joy of Coloring: Unlocking the Benefits for Adults
Coloring requires fine motor skills, which can help maintain dexterity and hand-eye coordination in individuals with dementia. This can also slow down the progression of physical symptoms associated with dementia, such as tremors or loss of motor control
It’s also a great holiday activity with grandchildren and big kids (adults).
Iridology: A Window into Health Through the Eyes
My Healing Story
A few years ago, I suddenly got sick with multiple debilitating, chronic illness symptoms that turned my life upside down. Chronic fatigue, constant pain in my muscles, nerves, and joints, severe mood swings, brain fog, hair loss, heart palpitations, and rashes became my daily reality. Even the lightest touch on my skin caused pain. At my worst, I could barely work, walk, or even raise my arms due to muscle weakness.
Despite these alarming symptoms, my bloodwork always came back “normal.” Doctors offered me antidepressants (which I refused) and suggested I “come back in six months.” With conventional medicine failing to provide answers, I decided to take matters into my own hands.
With a background in scientific research, I dove into the medical literature. I discovered that my symptoms were more common than I had initially thought, with documented cases going back to the 1960s. All signs pointed to a viral infection. After requesting a virus test, which confirmed my suspicions, I realized I was alone in finding a solution.
I explored various healing modalities, consulting different practitioners along the way. A turning point came when a friend, an Iridologist, read my irises and provided crucial insights. Through relentless trial and error, I finally found healing through nutritional detoxification and herbal medicine. In the process, I got certified as a regenerative detoxification specialist and iridologist. I was my first client.
I’ve been symptom-free for almost six years. Now, I’m dedicated to helping others uncover the root causes of their chronic health issues and guiding them on their journey to detoxification and healing.
What is Iridology?
Iridology is an alternative health practice that examines the eyes—specifically the irises, pupils, and sclera (the white part of the eyes)—to assess a person’s overall health. Iridologists believe that different colors, markings, and signs within the iris can reveal valuable insights about the health of the body’s organs and systems. The iris is a map with specific areas corresponding to different body parts.
According to iridologists, every organ in the body is connected to the iris via the nervous system. By examining the iris, an iridologist can detect genetic predispositions, hormonal changes, old injuries, inflammation, acidity, toxicity, and the overall health of various organs. They can also determine the stages of tissue change, ranging from acute to chronic conditions and even degenerative or irreversible states.
Iridology is based on holistic health principles, viewing the body as interconnected rather than isolated parts. When one organ is not functioning optimally, it can affect the entire body. This holistic perspective allows iridologists to identify symptoms and the underlying causes of health issues. Unlike conventional medicine, which often focuses on specific illnesses, iridology does not diagnose diseases. Instead, it reveals the physiological conditions, psychological health
Iris Chart Display
risks, and strengths and weaknesses of various organs and systems. Iridologists believe that understanding these aspects can address the root causes of health problems rather than just treating symptoms.
How Iridology Works
Iridology sessions typically involve taking high-quality photographs of both irises. The iridologist analyzes these images, looking for specific patterns, colors, and markings. This process can be done in person or remotely, as iridologists can provide detailed instructions on how to capture clear images of the eyes.
The History of Iridology
The practice of examining the eyes for clues to health dates back thousands of years. Even Hippocrates, often called the Father of Medicine, used this approach around 2400 years ago. However, iridology as a recognized diagnostic tool began to take shape in the late 1600s.
In the late 1800s, European practitioners made significant strides in correlating iris markings with health conditions. The modern science of iridology owes much to Hungarian doctor Ignatz von Peczely (1822-1911), widely regarded as the father of iridology. His interest in the field began at 11 when he accidentally broke an owl’s leg and noticed a black mark on the bird’s iris. As the owl healed, the black mark changed to white, sparking von Peczely’s lifelong fascination with the connection between iris changes and health.
Dr. von Peczely became a medical doctor and created the first iris chart, mapping eye markings to specific organs. His observations were based on decades of comparative study, particularly in hospital settings, where he observed patients before and after surgery. He published his findings in 1881, laying the foundation for modern iridology.
Around the same time, Swedish minister Nils Liljequist (1851-1936) also contributed to the field by noting changes in his iris color after taking quinine, a drug that caused yellow-green discoloration.
In the 1950s, American chiropractor Dr. Bernard Jensen (1908-2001) advanced iridology and is considered the Father of Iridology in the United States. He extensively mapped the eye and worked with over 300,000 patients, students, and physicians. Dr. Jensen founded Iridologists International in 1977, and his legacy continues through his family’s work.
For more information, contact@corrylang.com or www.corrylang.com Get 20% off your iris reading with coupon code LCSR20!
“Iridology is an alternative health practice that examines the eyes— specifically the irises, pupils, and sclera (the white part of the eyes)—to assess a person’s overall health.”
Corry Lang is a certified regenerative detoxification specialist and iridologist dedicated to helping women with chronic health issues uncover the root causes of their illnesses and guiding them through targeted detoxification processes so their tissues and organs can regenerate and heal. https://www.linkedin.com/in/ corry-lang-1291085/ Instagram @detoxwithcorry_2 Youtube @corrylangdetox
How to Get the Most Out of Your Senior Care Consultant (Placement Agent)
Deciding to move a loved one into assisted living, memory care, or a small residential care home is one of the most profound and emotional decisions you’ll ever face Few are genuinely ready for this journey, often filled with complexity and tough choices. We all age differently, and that requires personalized advice and guidance from a professional.
I once received a call from a family who had used an online company to help find a small residential care home for their father, who had a severe case of dementia. After a quick assessment, I realized he had unique care needs that required awake care at night. He was sleeping in various rooms, if at all, and his moods were unpredictable. Their budget was also very small, giving them limited options. The online company led the daughter to believe the recommended shared room would fit her budget. However, when she went to sign the paperwork, she realized the amount the online company quoted her was just the rent and included no care, which still had to be added to this home’s cost structure. It’s important to note that every community has a different fee structure.
To make matters worse, when I checked the home’s care violations history, it had 11 violations, the most recent for not having staff on duty after 11 p.m.—which is illegal in California and precisely the opposite of what her father needed.
Ultimately, we found a safe, affordable community that provided the proper care her father required, giving the family much-needed peace of mind.
Here are some tips to help you get the most out of your Senior Care Consultant when searching for care:
Choose a local, experienced professional – Ideally, find a Certified Senior Advisor™ (CSA™) who has personally visited the communities or care homes they recommend. A CSA is trained and certified to work with seniors, having passed a background check, completed ethics training, and passed a rigorous
exam. They must renew their certification every two years by completing 30 hours of continuing education.
Set up an initial consultation ― Whether by phone,
Zoom, or in person, a good consultant will take the time to understand you and your loved one’s needs. This meeting helps you determine if they’re the right fit to guide you through this important decision.
Review care violations – Ask your consultant to show and explain any care violations in the community you’re considering. They can help you understand what these violations mean and how serious they are.
Trust your consultant’s expertise – If you don’t trust their advice, it might be a sign that they’re not the right person for you. Ignoring their expertise can lead to unnecessary stress and wasted time.
Ask about community options – Be sure to ask why some homes were recommended and others weren’t. Reasons could include budget, care type, location, or serious care violations. With so many options, an expert consultant helps narrow the choices to the most appropriate.
Be transparent about your loved one’s situation – Be honest about care needs, budget, and family dynamics. Not being fully transparent can slow down the process and make it more stressful for everyone involved.
Jacqui Clark is a Certified Senior Advisor™ (CSA™) consultant with Living Coastal Senior Resources, editor-inchief of Aging Well Magazine, and host of Get Ready for Better Aging podcast. She is an industryleading living-andaging well expert and a respected communications specialist. Jacqui@ LivingCoastalSR.com www.ThisIs LivingWell.com
Medicare 2025: Key Updates and What You Need to Know
It’s that time of year when everyone on Medicare should think about a Medicare plan check-up. As a seasoned insurance agent, I can tell you that Medicare will undergo many changes in 2025. The Inflation Reduction Act (IRA), meant to help seniors with their medical and drug costs, will ultimately make them spend more. Specifically, the changes in the Drug Program will create a ripple effect for Medicare Advantage and Drug Plans. Every year, Insurers mail an Annual Notice of Change (ANOC) letter, and this year, it is essential that you pay attention and read it carefully. Here are some highlights of plan changes that go into effect. The Inflation Reduction Act (IRA) will significantly impact Medicare in 2025. Starting in 2025, they are lowering the Maximum out-of-pocket (MOOP) to $2,000. Right now, it’s $8,000, which costs you around $3,330 - $3,800 out of pocket. The insurance companies, drug companies, and Medicare pay for some of your drug costs. The “Catastrophic Coverage Stage” was eliminated in 2024, and the “Donut Hole” will disappear in 2025. All of this sounds good, but other less desirable changes are happening behind the scenes. Next year, more of the costs will be shifted to the insurers, and because of this, many insurers will cut benefits and raise premiums and co-pays. They will also cut costs by eliminating expensive drugs from their formularies. This is just one more reason why it’s essential to check your ANOC, especially if you take costly drugs. If your drug is no longer offered, then you might have to look at changing plans.
The IRA also eliminated “Kickbacks” from drug companies. Previously, when a drug company developed a new, expensive drug that they wanted “ABC insurance” company to offer, they would give the insurers rebates to help with the costs of the new drugs so Insurance companies could afford to add them to their formularies and offer them to their customers. This will go away, which is another reason why insurers and drug plans will trim their formularies.
It is a misconception that when we reach 65 and enroll in Medicare, everything will be taken care of, and we won’t have any medical bills. Another misconception is that you don’t have to enroll in Medicare A and B. Others try to ignore it and hope it all works out. It is complex, but unfortunately, all of the above is incorrect. If you don’t understand what/how/when to take care of this, you could face penalties that will stay with you for life.
Whether you’re a first-time enrollee in Medicare or renewing your coverage, I encourage you to seek a licensed Medicare expert who can explain the new changes in Medicare in 2025 and all of your options that fit your specific needs.
I host Medicare presentations at senior centers, senior living communities, fairs, and other venues throughout the year. Join me to learn about the changes, or feel free to email, text, or call if you can’t attend—I’m happy to help!
*Follow Karen on Facebook “Medicare Answers Gal” for the next Medicare Presentation near you.
“It is a misconception that when we reach 65 and enroll in Medicare, everything will be taken care of, and we won’t have any medical bills. ”
Karen Leyva is a Licensed Healthcare Insurance Specialist in California and Arizona. She has been helping people understand Medicare for over seven years. She guides seniors through the process and helps them find the best plan for them. www.Medicareanswersgal.com Leyvainsurance1@gmail.com
People Who Care Movement
By Jacqui Clark, CSA
Loneliness is a growing epidemic among aging adults, impacting mental and physical health. Despite being more “connected” than ever, social isolation is rampant. The World Health Organization (WHO) has identified loneliness as a global health threat, with effects comparable to smoking 15 cigarettes a day. It triggers excess stress hormones, raising heart rate, blood pressure, and blood sugar while weakening the immune system.
Prolonged loneliness can lead to depression, anxiety, and cognitive decline, particularly in older adults. Building meaningful connections is essential for survival, not just a luxury, as social bonds are as vital as diet and exercise. There are amazing organizations in every community that help combat loneliness. Still, I challenge us to take on this epidemic in our backyard. We can make a difference in their lives by checking in with our lonely friends, family, colleagues, and neighbors.
WHAT CAN WE DO?
Let’s join the #PeopleWhoCare movement!!
Launched in March 2024, it honors retired journalist Myron Kandel’s late wife of 70 years. Myron spoke of her generous spirit and kindness in regularly checking in on friends. She made over 100 calls during the pandemic to check in with friends. I bet that was lifechanging for a lot of people.
Here are some Tips to get your #PeopleWhoCare movement going:
look at what we can do on a grand scale, but our backyard is a great place to start. Feeling useful and belonging to anything combats loneliness. Being invited to a potluck BBQ can make someone’s day. You could even drop by before the event and offer to walk down to neighbor Bob’s house with them.
2. You’re at the party; now look around and see who needs a friend. Often, lonely people are more introverted. Take the time to sit down, engage, listen, and talk to someone who isn’t getting out or seems not to be engaging with others at the party. Please don’t assume they like to be alone or are not a joiner. Who doesn’t like cornhole?
3. Find common interests, or perhaps this person has a skill you didn’t know about. Ask questions. What do/did you do for a living? Where are you from? I see you take a walk every day; I love to walk. Maybe we can walk together this week and get a coffee. Then, follow up and do it.
4. Aging adults often feel lonely because they lack transportation, are hearing impaired, or have mobility issues. Get creative and figure out if this person needs some outside assistance that could change their lives. A small act, like offering a ride to the store, can significantly improve their lives—and enrich yours in return.
1. Let’s bring back the potluck in our neighborhoods. It’s a great way to check in on possible neighbors alone and reignite friends or make new ones. We sometimes
If we commit to reaching out to the lonely people in our lives, we can significantly reduce or even end loneliness one caring deed at a time. Together, we can build our own #PeopleWhoCare movement.
“Prolonged loneliness can lead to depression, anxiety, and cognitive decline, particularly in older adults. Building meaningful connections is essential for survival, not just a luxury, as social bonds are as vital as diet and exercise.”
“On this podcast, I’ll dive into the real challenges and solutions surrounding aging, with insights from top experts and compelling real-life stories.”
Get Ready for Better Aging
You know those long conversations we have over coffee with a friend? You walk away with problems solved or at least enough information to determine your conundrum’s next step. For the last 10-plus years, I’ve been having those “coffee conversations” with aging adults about how we live better, how we age well, and how we live well. I’m taking those conversations to the air in October with my new podcast, Get Ready for Better Aging. On this podcast, I’ll dive into the real challenges and solutions surrounding aging, with insights from top experts and compelling real-life stories. Whether it’s navigating Medicare, understanding dementia, or simply enhancing your quality of life, this show is here to prepare you for the journey.
I thrive in one-on-one conversations, thanks to my omnivert nature (someone who has both introverted and extroverted qualities). Over the past decade, I’ve found that deep, hour-long conversations over coffee with families or colleagues are when I truly learn and
share crucial insights about living and aging well. It’s only after breaking through the barriers of what’s going on in someone’s life that I’m able to do my best work. The conversations are the key.
“How do we do it better?” was always the theme.
“How do I know where to go?” That is always the question.
“Who can help me?” That came up a lot, so I needed more than one platform to share my message.
Finally, I have launched my umbrella platform, ThisisLivingWell.com. We don’t just want to age well; we also want to live well. Ask yourself, how are you living well? What will it take to age and live well? That is where my inspiration for the podcast came from. I always say no one gets out of aging, but how we do it… is 100% up to us.
Let’s Get Ready for Better Aging but most importantly, to live and age well. Part of the MindBodySpirit.FM network, available wherever you get your podcasts.
When you invest in Oasis, it’s an investment in YOU:
lifelong learning, healthy living and community service through tutoring and bridging the digital divide programs!
San Diego Oasis is made possible by members like you. Give your tax exempt donation today.
San Diego Oasis is a public 501(c)3 charity EIN #30-0403895
Scan QR code or visit SanDiegoOasis.org then click on red DONATE button.
Permaculture A Sustainable Way of Living
In 1995, my television died, and I turned all my viewing time to reading books. And not just any books. I wanted to go back to growing food in my condo garden. After all, if I was going to care for and water a plant, I wanted more than greenery; I wanted food and/or medicine. As a teenager, we had a large garden on a large plot of land. So, I studied many books. One that appealed to me was Carrying Water as a Way of Life: A Homesteader’s History by Linda Tatelbaum. While she and her husband had a large plot of land, it introduced permaculture to me. I was hooked as it was scalable and has changed my life in many ways. Most notably, if your garden has a problem, compost tea can heal it! What is permaculture, you may ask. Here is a little introduction for you.
It is a design system developed by Bill Mollison and his student, David Holmgren, in the 1970s to outline a land management and settlement design. Bill was a one-time forester, school
and
a bug deterrent.
Bill based his new system on Three Ethics:
• Caring for the Earth
•Caring for People
• Reinvesting the surplus that this specific care will create
In his book Essence of Permaculture, Dave further developed it to the 12 Principles of Permaculture:
1. Observe and interact
2. Catch and store energy
3. Obtain a yield
4. Apply self-regulation and accept feedback
5. Use and value renewable resources and services
6. Produce no waste
7. Design from patterns to details
8. Integrate rather than segregate
9. Use small and slow solutions
10. Use and value diversity
11. Use edges and value the marginal
12. Creatively use and respond to change
You may see weeds, but Stinging Nettle is better than spinach, and it grows for free!
In permaculture, much time is spent on the design portion of any new project. It can take up to a full year to see how the earth, the water, the sun, and the air work together before any changes are made. There is a significant focus on how much water comes onto the land naturally and how it can be utilized in dry times. Also, a concerted effort is made to repurpose any waste from the system within the system itself. The goal is to keep anything from leaving the land and going into a landfill.
References:
1. Holmgren, David (2020). Essence of Permaculture. Melliodora Publishing. ISBN 978-0975078662
Hydroponic System to grow lettuce and basil. Organza Netting to keep bugs away.
teacher, trapper, and field naturalist. While working in a Tasmanian rainforest, he started to look at how nature took care of itself and surmised that if agriculture used the same methods, sustainable communities could be developed to be selfcontained and grow an abundance of food to feed the world over. Together, they wrote the book Permaculture One, which started a movement away from traditional agriculture to permanent agriculture, also known as permaculture.
Permaculture, at its core, is about producing food in well-designed gardens and food forests that rely on compost, compost tea, and mulch instead of commercial fertilizers. If the soil requires additional amendments, permaculturists turn to sustainable compounds such as alfalfa pellets, bone meal, blood meal, lime, kelp meal, rock dust, rock phosphates, and wool pellets that naturally break down into fertilizers. This approach steers away from using peat moss, Perlite, and other ‘organic’ materials that are not sustainable. After the harvest, a portion is preserved for future use and seed harvesting, all part of a closed system of self-sustainability. Another takeaway from permaculture is its scalability. It can be done on vast landscapes such as the Sahara Desert, the Dead Sea region in Jordan, and the Loess Plateau in China, or it can be done for a food-producing rose bush in a small patio area. The principles can be applied at any level and in any part of the world to uphold ethics. When used in cities and towns, locally grown foods that do not require extra fuel to transport them over long distances are produced. If each home in a neighborhood had different fruit tree guilds, they could feed each other, help end hunger, and maybe form lasting bonds in a gentler, happier world. If you’d like more info on growing your permaculture garden, contact Mary “Klibs” Dralle. Until next time, keep those hands soiled.
Mary “Klibs” Dralle is a Certified Permaculture Designer and the head chef at The Dancing Raven Ranch & Retreat Center, where she brings farmto-table dining straight from clients’ gardens. She hosts the popular show, Cookin’ with Klibs Presents: The Chemistry of Cooking, blending science with culinary art. Additionally, Mary coordinates and builds events for the Wander-Full Labyrinth Walkers, promoting meditative walking practices. Once a month, she leads Color Me Joyful, a vibrant adult coloring group. She is also a regular contributor to the San Diego Horticulture Newsletter, where she writes bi-monthly on topics in permaculture. www.dancing-raven-ranchretreat-center-1.ueniweb.com dancing.raven_rrc@yahoo.com
Three photos on the right by Mary Dralle.
Kratky
A Kiddie Pool herb garden with an olla for watering
rosescented geraniums as
Image from Essence of Permaculture, David Holmgren {1}
Redefining Real Estate Commissions Can Be A Win-Win
On August 17, 2024, the National Association of Realtors (NAR) reached a settlement with the Department of Justice (DOJ) concerning real estate commissions. The settlement introduced some changes which have caused a lot of confusion. It’s best to contact a professional Realtor® to understand how the new changes impact your specific situation when buying or selling a home; however, here’s a simple overview of the new changes.
1. The Seller and their listing Realtor will only discuss and agree to the commission for the listing brokerage.
2. Buyer broker commissions will no longer be listed in the Multiple Listing Service (MLS).
3. Sellers can indicate they are open to concessions but don’t need to specify an amount or percentage at the time of the listing because concessions are now negotiated at the time the Buyer presents a purchase offer.
4. Buyers must sign an agreement with their Realtor before visiting a property.
5. The Buyer and their Realtor will agree on the commission in this agreement, called a PSRA or BRBC (see below for an explanation).
6. Buyers can use the Seller Payment to Buyer’s Broker (SPBB) form to request that the Seller cover their broker’s commission when submitting a purchase offer.
7. At open houses, visitors will be asked to sign one of four forms depending on their situation (to establish if they are represented and by whom).
• OHNA-SI – Open House Visitor Non-Agency Disclosure & Sign-in
• BRBC – Buyer Representation & Broker Compensation Agreement – Contract between the Buyer & the Broker
• BNA – Buyer Non-Agency – Acknowledgement there is no representation of Buyer by the listing Brokerage
Previously, the Seller agreed to pay both the listing and buyer brokers’ commissions at the time of the listing, and this information was published in the MLS. The Buyer offered a price for the home, factoring in that the Seller covered both brokerage commissions. This allowed the Buyer to finance their broker’s commission and the Seller to deduct the total commissions from
their capital gains taxes when the transaction was completed.
Now, buyers must agree on a commission with their Realtor before visiting properties. They can ask the Seller to cover this commission when submitting a purchase offer. If the Seller refuses, the Buyer is obligated to pay it themselves. This can be a challenge for first-time homebuyers or those with limited funds, as they can no longer finance the commission when paid out of pocket. This can also be viewed as an opportunity for an estate to increase its net proceeds from a sale when not paying the buyer broker commission.
Here are a few case studies of recent transactions I was involved with:
Recently, a senior couple wanted to sell their house. They had lived in their home for 40 years and needed to Right-Size, but they had concerns about the potential for large capital gains taxes.
In this scenario, there were two options they could pursue:
Option 1:
The Seller is willing to pay both brokers’ commissions, allowing the Seller to deduct the commissions from their capital gains. This also allowed the Buyer to offer a fair market purchase price and finance the full purchase price (which included their broker’s commission).
Option 2:
The Seller does not offer a concession or pay the Buyer’s broker;
the Buyer pays their broker’s commission and offers a lower purchase price to cover the cost of the broker’s commission.
In another situation a home for a Trust/Seller had multiple beneficiaries and a step-up in basis. The estate wanted the maximum purchase price possible. To make it a win-win for both parties, the Buyer paid their broker’s commission and offered a fair market purchase price without the commission paid by the Seller, which allowed their offer to be accepted over three other offers presented.
Key Takeaways:
Buyers should factor their Realtor’s commission into their offer in order to finance it while allowing the sellers the capital gains tax benefit. Both parties need to negotiate carefully to provide a win-win outcome.
Patti Gerke is a Senior Real Estate Specialist® (SRES®), a Certified Senior Advisor® (CSA®), a Certified Aging in Place Specialist® (CAPS®) and a Volunteer for the Carlsbad Police Department YANA Program (You Are Not Alone) for Seniors. For the past 23+ years, she has specialized in working with seniors and their family members, utilizing her compassionate perseverance to provide guidance, assistance, and expertise when wanting to Age in Place with dignity and independence…or selling their home. She’s lived in Carlsbad for 40 years with her husband. Find Patti at patti@pattigerke.com
Pumpkin Spice Snickerdoodle Recipe
Who doesn’t like Fall baking with family?
Here’s a delicious recipe for Pumpkin Spice Snickerdoodles! These cookies combine the classic snickerdoodle texture with the warm flavors of pumpkin and spice, perfect for fall.
Yield: About 24 cookies
Cook Time: 10-12 minutes
Ingredients
For the cookies:
• 2 ¾ cups all-purpose flour
• 1 ½ teaspoons cream of tartar
• 1 teaspoon baking soda
• ½ teaspoon baking powder
• ½ teaspoon salt
• 1 teaspoon ground cinnamon
• 1 teaspoon ground ginger
• ½ teaspoon ground nutmeg
• ¼ teaspoon ground cloves
• ¾ cup unsalted butter, softened
• 1 ¼ cups granulated sugar
• ½ cup light brown sugar, packed
• ½ cup pumpkin purée (not pumpkin
pie filling)
• 1 large egg
• 1 teaspoon pure vanilla extract
For the coating:
¼ cup granulated sugar
1 tablespoon ground cinnamon
½ teaspoon ground ginger
¼ teaspoon ground nutmeg
Instructions
1. Preheat the Oven:
Preheat your oven to 350°F (175°C) and line two baking sheets with parchment paper.
2. Mix Dry Ingredients:
In a medium-sized bowl, whisk together the flour, cream of tartar, baking soda, baking powder, salt, cinnamon, ginger, nutmeg, and cloves. Set aside.
3. Cream Butter and Sugars:
In a large bowl, beat the softened butter, granulated sugar, and brown sugar together until light and fluffy, about 2-3 minutes.
4. Add Wet Ingredients:
Add the pumpkin purée, egg, and vanilla extract to the butter-sugar mixture. Beat until fully combined.
5. Combine Wet and Dry Ingredients:
Gradually add the dry ingredients to the wet ingredients, mixing just until
combined. Be careful not to overmix, as this can make the cookies tough.
6. Prepare the Coating:
In a small bowl, combine the coating ingredients: granulated sugar, cinnamon, ginger, and nutmeg.
7. Form the Cookies:
Scoop about 1 ½ tablespoons of dough (or use a cookie scoop) and roll it into a ball. Roll each ball in the sugar-spice mixture until fully coated.
8. Bake:
Place the coated dough balls on the prepared baking sheets about 2 inches apart. Gently flatten each cookie slightly with the palm of your hand. Bake for 10-12 minutes or until the edges are lightly golden and the centers are set but still soft.
9. Cool:
Let the cookies cool on the baking sheets for about 5 minutes before transferring them to a wire rack to cool completely.
Enjoy your Pumpkin Spice
Snickerdoodles with a cup of tea, spiced cider, or coffee for a perfect autumn treat!
The Privilege of Aging
Leave the Crusty Chrysalis Behind
This is an adapted excerpt from the book, The Privilege of Aging: Savoring the Fullness of Life, reprinted with permission from the author, Kamla K. Kapur.
‘I feel young enough to burn some rubber,’ I tell my husband as I recount my dream about driving a red convertible sports car on winding roads, wild grey hair flying.
‘Let’s
go to Idyllwild. I need nature.’
Idyllwild, in the San Bernardino Forest, a place of pine trees, boulders, high mountains, snow covered peaks in winter, is one of our favorite places to vacation. And it’s only two hours away by car. ‘Yes! Let’s go for your birthday!’ I love the spontaneity of it. We have lost quite a bit of it lately, perhaps as a symptom of aging. My husband is turning 75 and I have had trouble thinking of what to get him. He dislikes parties, they are too much work. I agree. He dislikes getting gifts. I bought him a pair of expensive slippers because he had complained the cheap pair he bought were not comfortable. ‘I don’t need any more things!’ he said, when I gave them to him. Then he went into a diatribe about consumerism, stuff, plastic, packaging, carbon footprint. The next day when I put the new slippers where he keeps the old ones, he slipped into them, smiled, and said he liked them. A few days later he complained they had no arch. So, I ordered him another pair of black leather slip-ons. When they arrived, he went ballistic. ‘You don’t understand, I want less, not more!’ I swore to him I would never buy him anything again. I told him I would return them, but he wore them to the New Year eve party, and later complained they were a little big. His reaction to my gifts used to annoy me because I love giving gifts to those I love, till he explained that his mother gave gifts to her children instead of love. And the gifts were tied to conditions.
‘Ten days in Idyllwild will be my birthday gift to you,’ I say. He accepts graciously. There is nothing dearer to him than nature. In the evening we watch TV, my head in his lap, our squawks and squabbles, the gold together with the black, braided into one. At night he strokes my head and I drift off to a long, dreamless sleep, waking and staying in bed, just touching, for over nine hours.
them when I was growing up! It is an Indian thing – and see an entirely different, grumpy one when she turned away. She did it so perfectly that towards the end the mask cracked entirely, and she let herself become the harridan that she had repressed all her life. Because she did not allow herself to express her shrew in small ways, she burst out in full force, in what Freud calls ‘The Return of the Repressed.’
My husband, who had a single working mother, a feminist, a founding member of NOW, has never expected me to be anything but myself. I wouldn’t be with him if he had. My relationship problems have always come from my own expectations of myself in my many roles. What I think are his expectations of me are mostly imaginary. I recall a day when we were both eating a meal we prepared together – a soup into which each of us threw ingredients, broth, vegetables, quinoa, persimmons, apples, nuts. The kitchen was a mess and while we were eating, I said, “I’ll put all this away in a while.” And he replied, “Nobody’s asking you to do anything.”
He has since taken over the clean-up whenever I cook, and I appreciate his attention to and participation in domestic detail.
Disentangling myself from what I am expected to be and who I am is my ongoing work. For me, individuating means distinguishing between values that my Indian culture imposes on me and my true needs. The former come from historic, collective standards. Sometimes the two coincide, but where they chafe and constrict, I endeavor as gently as I can to molt out of them, leave the tight and crusty chrysalis behind. Not as easy as it sounds, but hell, at 72 I have the time, the leisure, the space to sift through myself, and consign the chaff to the winds.
“You don’t understand, I want less, not more!’ I swore to him I would never buy him anything again.”
My husband booked a getaway to Idyllwild, but the forecast predicted rain the entire time, just like our previous failed trip to Desert Hot Springs. I craved solitude, only to learn he invited his friend and wife to join. I was reluctant, as I value my personal space. While my instinct was to say no, I decided to go with the flow. I have noticed that whenever I am reluctant about a social event, the Universe obliges. His friends backed out. I was thrilled. This left me guiltlessly free. I have suffered too long the ‘Indian wife’ syndrome I inherited from my mother, my culture, my gender. I have never wanted to be in the traditional role my mother very unwillingly had fallen into. I would see her sweet, social face when interacting with house guests – there were so many of
An awardwinning
and author of 8 books, her writing has been featured in anthologies and journals such as Parabola and The Sun. A former literature professor at Grossmont College, she and her husband divide their time between the remote Indian Himalayas and San Diego, California. kamlakapur.com
Kamla K. Kapur was born and raised in India and studied in the United States.
playwright, poet,
Unlocking Communication and Cognitive Recovery
The Vital Role of Medical Speech-Language Pathology in Neurological Rehabilitation
As a medical Speech-Language Pathologist (SLP), I’ve had the privilege of working with individuals recovering communication and cognitive function following neurological events like strokes, traumatic brain injuries (TBI), and degenerative diseases such as Parkinson’s or Alzheimer’s. Many are surprised to learn that SLPs provide life-changing services not only to children but also to adults facing challenges in speaking, swallowing, thinking, and remembering due to medical conditions. This article will highlight the vital role SLPs play in improving the quality of life for individuals with neurological conditions, the range of treatments we offer, and the importance of early intervention.
The Role of a Medical Speech-Language Pathologist
A medical SLP evaluates and treats individuals with communication, cognitive, voice, and swallowing disorders. We assist patients in developing or regaining skills needed for speaking, understanding, reading, writing, thinking, and swallowing. Although we work with all age groups, I’d like to focus on adults recovering from medical conditions such as stroke, TBI, or degenerative diseases like ALS, Parkinson’s Disease, or Multiple Sclerosis. These individuals often experience challenges in memory, executive function, communication, and even basic tasks like swallowing. Neurologists, primary care physicians, or ENT specialists usually refer patients. Still, many adults could benefit from SLP services long before reaching critical stages. Early identification and treatment significantly improve outcomes, enhancing independence and quality of life.
Who Benefits from Speech Therapy?
Speech therapy benefits a variety of individuals, including:
• Stroke Survivors: Many stroke patients suffer from aphasia (difficulty with speech and language), apraxia (difficulty coordinating speech movements), or dysphagia (swallowing difficulties).
• TBI Survivors: Cognitive-communication therapy helps restore memory, attention, and organizational skills, enabling patients to return to work, academics, or everyday life.
• Individuals with Neurological Disease: For those with Parkinson’s, ALS, or multiple sclerosis, SLPs help manage
speech and swallowing difficulties that progressively worsen as the disease advances.
• Patients with Dementia and Alzheimer’s: Speech therapy can improve memory, communication, and cognitive function, helping patients maintain independence longer.
• Head and Neck Cancer patients: These individuals often require voice rehabilitation and swallowing therapy postsurgery or following radiation therapy.
• Voice Disorders: Patients with vocal cord issues may seek help to regain their vocal quality and function.
Services Provided by a Medical SLP
SLPs offer a wide array of services tailored to patients’ needs:
1. Speech Therapy: Improving articulation and clarity of speech for individuals who have trouble being understood.
2. Language Therapy: Enhancing comprehension, expression, reading, and writing skills, which are often crucial for patients who have suffered from strokes or brain injuries.
3. Cognitive Rehabilitation: Compensatory tools and exercises to improve memory, attention, and executive function (such as organizing, planning, and problem-solving).
4. Swallowing Therapy (Dysphagia): Exercises and strategies are used to help patients safely manage swallowing
difficulties and avoid choking or aspiration pneumonia.
5. Voice Therapy: Exercises and techniques are tailored to improve vocal quality and function for individuals with vocal cord disorders.
6. Augmentative and Alternative Communication (AAC) Training in the use of technology, such as devices or apps, for non-verbal individuals who need alternative ways to communicate.
7. Fluency Therapy: SLPs offer strategies to promote smoother, more fluent speech for patients who stutter.
Group Speech Therapy for Adult Neurological Rehabilitation Group therapy is particularly beneficial in neurological rehabilitation. It offers a supportive environment where individuals can practice communication skills in real-world scenarios, receive feedback from peers, and improve social interaction. Group therapy is also cost-effective, often increasing access to treatment for more patients.
In partnership with Neurolab360 Rehabilitation and Wellness, a non-profit organization located at 2146 Encinitas Blvd, Suite 110, Encinitas, CA 92024, we offer free community groups to provide this essential service. I lead several group offerings each month, including:
• SPEAK OUT! Speech Group: This group offers intensive voice retraining for individuals diagnosed with Parkinson’s Disease and atypical Parkinson’s syndromes. It meets every second and fourth Friday of the month from 10:00 to 11:00 a.m
• Aphasia Group: Designed for individuals with challenges in all aspects of language skills. This group meets every 2nd and 4th Friday of the month from 11:00 a.m. to 12:00 p.m
• Cognitive Fitness Group focuses on cognitive language stimulation and strategy training to improve attention, memory, and executive functioning skills. It meets every 1st Wednesday of the month from 10:45 a.m. to 11:45 a.m
These groups are free to the San Diego community, and no appointment or registration is required to attend.
The Importance of Early Intervention and Advocacy Early intervention is critical for recovery. Research shows patients who begin speech-language therapy soon after diagnosis or injury have better outcomes. Sadly, many patients are not referred for SLP services in time, which delays treatment and impacts their quality of life.
Advocacy is critical—both for SLPs and patients. Medical providers need to be aware of the benefits of early intervention, especially in slowing cognitive decline and helping individuals maintain communication skills. In some states, direct access to speech therapy services allows patients to seek care without waiting for a referral.
Access to SLP Services: National and Global Perspectives
Despite the proven benefits, many adults with neurological
disorders do not receive the necessary SLP services. In the U.S., only 20%- 60% of adults with neurological conditions access SLP services. Barriers such as insurance coverage and the availability of professionals hinder access, especially in rural or underserved areas. Globally, less than 10% of individuals in lower-income countries receive these services, compared to 30%- 50% in higher-income nations.
Promoting Neuroplasticity for Recovery
Neuroplasticity—the brain’s ability to reorganize and form new neural connections—is a key component of neurological rehabilitation. Speech-language therapy harnesses neuroplasticity through repetitive exercises and cognitive communication tasks, helping patients regain lost functions. At Converse with Confidence, Inc., we promote neuroplasticity through speech and cognitive exercises. We encourage patients to maintain healthy lifestyles, including regular physical exercise, mindfulness, and brain-healthy diets, which optimize their recovery. Whether recovering from a stroke or TBI or dealing with a neurological disease, early intervention from a skilled SLP can make a significant difference. If you or someone you know is experiencing difficulty with communication, cognition, or swallowing, don’t wait—contact a medical provider or a local SLP to explore your options for a better recovery journey. Reach out today for more information about our services or to join one of our free community groups at Neurolab360 Rehabilitation and Wellness. Your voice, mind, and wellbeing matter; remember that communication and cognitive improvements are possible with proper support.
Lindsey Ann Unger, M.S. CCC-SLP, is a Medical SpeechLanguage Pathologist and the Owner of Converse With Confidence, Inc., a private practice specializing in Adult Neurological Rehabilitation. With over 13 years of clinical experience, she provides high-quality telemedicine speech therapy services across California. She offers free in-person group therapy in Encinitas, California. ConverseWithConfidence.com Lindsey@conversewithconfidence.com
The group sitting in chairs is The Aphasia Group for individuals with language impairments.
Lindsey Unger working with client via telehealth session
