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October 11, 2018

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NASSAU HERALD â&#x20AC;&#x201D; October 11, 2018

Boomers

Q&A for your 401(K) Bringing the future into focus

By Sharon Naylor As you near retirement age, you’re likely thinking about your investments, especially your 401(k). And you likely have questions. Robert Gustafson, a certified financial planner, first warns you not to panic when the curtain to retirement draws open. “Many people make a big mistake in cashing out their 401(k) when the market has dipped or when those foreboding financial reports on the news and online deliver less-than-encouraging news,” says Gustafson. “We’re a country that has been through a lot of financial ups and downs with wars and recessions, and there will always be dips in the market resulting in dips in financial portfolios.” Riding out those dips, and not giving into your emotions is, Gustafson says, important to securing a stronger financial future during your retirement. That said, Gustafson answers some of the top Q&As related to 401(k) investment plans. Is it too late to start a 401(K)? “It’s never too late,” says Gustafson. “Everyone should have or start a 401(k,) since it’s a great way to invest tax-deferred on pretax amounts.” Of course, if you started your 401(k) when you were in your 20s, you not only have years of your investments earning interest, even with market dips affecting your totals in the short term, you also would have more years to make up for any mistakes or market changes.

Still, people are living longer, thanks to advances in medical testing and treatments, plus healthy lifestyles, which means that they could potentially live for decades after their retirement date. You’ll need money to live on during those years, and a 401(k) started or strengthened now will help with your financial goals. “If you’re lucky, you can potentially match your 401(k) investments,’ says Gustafson. Do I need a financial planner? Investment information found online can be helpful, but a Certified Financial Planner knows more about the intricacies of investments, as well as evolving tax laws. They can also assess your particular 401(k) to better guide you in investing that will be best for your goals. Gustafson points out another big benefit of having a financial planner to help you: “A financial planner is a disinterested third party who can help you tame your emotions when financial reports scare you, so that you don’t make an expensive or devastating knee-jerk mistake in cashing out your investments.” Financial advisers are experienced in riding out shifts in the market, so they can provide reassurance as they help you. What should I ask my financial planner about my 401(k)? “Ask about any special investment options in your plans,” says Gustafson. “And

Mind your 401(k) for a happier retirement.

definitely ask about the fees, because some fees can be very problematic, costing you more money.” At the time of your retirement, you’ll want qualified, professional advice about rolling over your 401(k) or integrating your 401(K) plans. In your retirement years, you may become widowed or become a widower, so your financial adviser can explain your options regarding the handling of your spouse’s 401(k) plans as well as your own. “In any relationship, opposites often attract,” says Gustafson. “One of you may have been a saver, and one a spender, so your individual plans may be very different. When you acquire your spouse’s perhaps heftier 401(k), you may

need extra help in managing your next steps. “Look at your 401(k) plan as if it’s part of your overall investment portfolio when you’re trying to allocate your 401(k),” says Gustafson, who adds that a healthy retirement portfolio combines several investment plans to maximize investments over the course of your retirement. “ Again, if you invest at an earlier age, you have more time to make up for any investment mistakes. There is also more risk when you’re older, because your assets are likely higher when you’re at a later age.” So a qualified financial adviser will become a valued partner in navigating the murky waters of your investments.n

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October 11, 2018 — NASSAU HERALD

Dish on dating

By Kristen Castillo Treva Brandon Scharf married for the first time when she was 50. Three years later, she’s blogging about finding love later in life. “My dating tips for people over 55 aren’t too much different than the ones I have for younger people,” says Scharf, whose blog is called The Late Blooming Bride. She recommends that daters be honest, give the date full attention and not set expectations. “The only thing I’d say to those over 55 is, ‘Have more fun.’” Dating After 50 A survey of 1,000 over-50 singles conducted for OurTime.com, the largest dating community for singles over 50, shows that those in the over-50 dating scene are interested in being sexually active and social. While 72 percent of over-50 daters say they’re open to finding love in the future, nearly half the daters in this group haven’t been on a date in over five years. The survey also revealed the three most difficult aspects of dating after 50: finding someone to date, asking someone on a date and getting to know a person before asking the person out. More than a third of over-50 daters are nervous about the first kiss. Getting Started When you’re getting started dating, take things easy. “Make sure you are light and breezy,” says dating coach and matchmaker Karenna Alexander, explaining that many older daters have had heartbreak in the past. “Like a job interview, the first few months of dating are a time to put your best foot forward,” she says. “There is time in the future to bare your soul.” Present your best self, too. “Just because you are over 55 doesn’t mean you aren’t alive,” says Alexander, who encourages older daters to keep up with grooming, including styling your hair, wearing makeup, working out and wearing nice clothing. Be Yourself Stay upbeat and avoid negativity and complaining. Dating and relationship expert Megan Weks advocates being your-

NASSAU HERALD — October 11, 2018

Finding a special someone later in life

A couple’s finances are of critical importance during divorce proceedings.

Late-life divorce Considerations and advice

According to a recent survey, 72 percent of singles over 50 are open to finding love in the future.

self on dates. “You want the person to focus on the essence of what makes you you,” she says. Show up “ready to talk about what you love to do and what about it lights you up.” Coffee Talk Keep the early meet-ups simple and stick to light conversation. “On a first date, don’t talk about the future, what you want from a relationship or make demands,” says Scharf, who suggests going out for coffee or cocktails for your first gettogether. Keep your sense of humor, too, and don’t get political, which can be polarizing. “Talking about the traveling you’ve done is always good,” says Barry Gold, who runs the website Divorced Over 50. “It says a lot about you, and hearing about your date’s adventures helps you get to know him or her.” Gold, who’s also the author of “Gray Divorce Stories,” advises asking your date about his or her grown children, which is an interesting topic that can give you insight into your date’s values. If the subject of divorce comes up, don’t shy away from the discussion. Instead, “be prepared with an answer that’s honest but avoids too much detail,” says Gold, who also recommends not showing anger or bitterness about the divorce, which can be a turnoff. Avoid discussing divorce details and emotions unless and until a relationship develops.

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Section Editor KaRen Bloom

Executive Editor SCott BRInton

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“Even though it’s easy to talk about your family or previous marriage situations with someone who has had similar experiences, it’s ideal not to on a first date,” says Weks, who also suggests choosing a dating venue where you’re comfortable. Select a place that has good lighting and appropriate amounts of background noise. “Always be aware of your surroundings and meet your date in a place that’s busy enough to be safe” but not so crowded that “you cannot relax or hear your date,” she says. Online Adventures These days, finding a date is often a website or a click away. “Online dating offers something most over-55s never could have conceived of in their 20s,” says Gold, who admits that though it may seem overwhelming at first, older singles are finding success online. He met, or rather, re-met his match (a woman he went to high school with) on social media. He liked her when they were in school, but she wasn’t interested in dating then. “I say it took me 40 years to wear her down, but it was worth it,” Gold says. n

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By Nicola Bridges Though divorce is becoming less common for younger adults, “silver” divorce is on the rise. According to a 2017 Pew Research Center study, the divorce rate for people who are 50 or older has roughly doubled since the 1990s. But before you cut ties and burn the marriage certificate, there are specific considerations for divorce late in life. Relationship coach and counselor Jonathan Bennett, co-founder of Double Trust Dating, says that on the plus side, a late-life divorce can be freeing. “For people who married young and watched their marriage turn into an exercise in misery, a divorce later in life can be a liberating experience — a fresh start to finally live life on your terms after years of feeling trapped in a marriage you hate.” But divorce can be very scary after relying on your partner for decades. As Bennett notes, there’s a lot to untangle. “The longer you’re married the more shared history you have together, including assets,” he says. “If the divorce is hostile, it can mean extended fights over property, bank accounts and pretty much everything else. You have a lot more to fight over.” However, divorcing later in life can be less contentious because you no longer need to worry about child custody or support with grown children. Finances are of critical importance — especially making sure you are protected in retirement. “When we represent the working spouse, who might have a spousal support obligation, we want to ensure that our client can retire at a reasonable age,” Bennett says. “This can become particularly contentious when a nonworking spouse has been out of the workforce for significant time and may not be able to find work.” Divorce attorney Andrew Winters says that whereas younger divorces are about parenting plans, silver divorces are mostly about money. “When older couples divorce, their retirement savings suddenly seem inadequate,” he says. “Usually, assets are divided to put parties on equal footing going forward.” Winters says that if one spouse earns significantly more than the other, then alimony may be awarded. However, the amount and duration of alimony in these situations is difficult to set, as neither the court nor the lower-earning spouse has control over how long the higher-earning spouse will continue to work. For example, a 65-year-old who makes $300,000 per year might claim that he is about to retire in order to avoid an alimony order, only to continue working for another 10 years after the divorce is final. Another consideration is that living alone greatly impacts older divorcees’ social lives — which can impact overall health. For that and other reasons, therapist Raffi Bilek strongly suggests counseling. He says that there is so much history and baggage involved that getting some objective input can make a big difference. “Who can process three, four or five decades of relationship history on their own?” he says. “Couples therapy can help you take a fresh look at some of the things you may have taken for granted for so many years. We get used to things. We get into routines. And we never question some of the things we do or think. Having an outsider come and shake up our perspective can show things in a new light.” Ultimately, Bilek says, before making the decision to divorce, ask yourself and your spouse: What do I need out of this marriage that I didn’t need in previous times? Are we capable of changing to meet each other’s current needs? Why do we want to get a divorce? Why now? What will life look like for us if we do/do not get divorced at this point? n

October 11, 2018 — NASSAU HERALD

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There are a variety of styles available in hearing aids, depending on the user’s needs and expectations.

Treating hearing loss Bringing the future into focus

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By Chelle Cordero According to the National Institutes of Health, an estimated one-third of the people in the United States between the ages of 65 Ameriprise Financial Services, Inc. Member FINRA and SIPC. and 75 and close to one-half of those older © 2018 Ameriprise Financial, Inc. All rights reserved. (09/18) than 75 have some degree of hearing loss. This gradual and common form of hearing loss is called presbycusis. Exposure to loud noises, viral infections, some medications, chemotherapy and radiation, heredity, head and inner ear trauma, and ruptured eardrums can contribute to hearing loss. Hearing loss is generally not reversible. High fevers, large doses of aspirin or antimalarial drugs can cause tinnitus (ringing in the ears, often temporary) and changes to the inner ear. 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about the noise level of the TV). Appealing to emotions may have a much more positive effect. Depending on the results of hearing tests, the doctor may remove wax buildup, put in a cochlear implant (to replace a damaged part of the ear) or recommend a hearing aid. A hearing aid can help by making sounds stronger and easier to hear. Available hearing aid styles include those that are completely in the canal and nearly invisible, in the ear and visible or behind the ear. Today's hearing aids may feature Bluetooth interfaces, digital noise reduction and instruments that learn based on changes made by the wearer. You may need to try more than one device to find one that works well for you. AARP offers these tips when choosing a hearing aid: √ Bring along a friend to help make sure you are hearing and understanding the options offered. √ Know your provider's skills and reputation. Audiologists hold degrees in audiology. √ Know what you want from the hearing aid — whether you want it for normal conversation, watching TV, playing in the outdoors, etc. √ Have your hearing tested so that the audiologist or hearing aid specialist knows what kind of hearing loss you have. √ Try before you buy. The provider should be able to give you a real demonstration of the device. √ Ask about add-ons. Every add-on comes with a price, so choose only what you will realistically need. √ After you buy your hearing aid, don't leave the office without checking whether it fits. And does it do what you want it to do? √ Get it in writing. Get a signed copy of a contract with the model and make of hearing aid, the price, any nonrefundable fees, the warranty and a specified trial period. √ Ask your audiologist about aural education and rehabilitation. Some auditory training can be done at home with a personal computer or through group sessions. n

Just a number

By Chelle Cordero Being labeled a “senior citizen” is a term relative to your social status, your employment, the number of discounts available and how old you really feel. In other words, there is no defined age at which a person officially becomes a senior citizen. And “senior” no longer means old. Once considered a senior citizen group, the AARP begins membership at the ripe young age of 50 and offers myriad discounts on travel, dining, insurance, shopping and more; and if you are married to an AARP member, you don’t even have to be 50 to enjoy privileges. Various discounts begin at different ages, but all of them that AARP helps facilitate are in place by age 65. Today, membership in AARP is deemed a rite of passage — not an admission or acceptance of “old age.” The United States government hasn’t helped to determine what age qualifies one as a senior citizen. A baby boomer becomes a “partial” senior citizen at the age of 62, a “full” senior citizen at 66 and a “super” senior at 70, based on when he or she begins collecting Social Security retirement. And while it might affect your taxes, you don’t even need to be retired to collect Social Security benefits. Future financial considerations are making the age of senior citizen even more fluid; at this point, people born in 1960 or later will not reach full retirement age until 67. While the federal health insurance program for seniors, Medicare, still takes effect at age 65,

F N O

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there has been talk of eventually raising that age to 67 because of funding limitations. Live your way Places where older Americans can live independently and age in comfort may have the moniker of an over-55 community, senior housing or retirement community. Some small, structured communities designed for seniors have recreational facilities, shopping, medical support, dining and preplanned social events right on campus. Residences can range from free-standing private homes or town houses to smaller condos, apartments or even studios. Each residence is traditionally designed to allow for aging-in-place with outside maintenance taken care of to allow for an easy, relaxed life. Very often, you’ll find 60-year-olds who are referred to as “the kids” and 80-year-olds who maintain very active lives. Age seems to disappear. Defining ‘old’ Even the world at large is beginning to lose the concept of senior citizens being “too old.” Models used to be considered out of play by the ripe old age of 25. Today’s hot female models and icons include Helen Mirren (73), Christie Brinkley (64), Jane Fonda (80), Veronica Webb (53) and Jessica Lange (69.) Super ‘60s model Twiggy has made a return and did a spot for L’Oreal at the age of 66. Women drool over “silver foxes” Pierce

Ties to family become increasingly important as we grow older.

Brosnan at 65 and Sting at 67. AARP has a list of the Sexiest Men Over 50, which includes George Clooney (57), Denzel Washington (63), Liam Neeson (66), Bruce Springsteen (69) and Mark Harmon (67). Beauty is no longer reserved for the 20-something millennials. The practice of geriatric medicine and gerontology is for adults 65 to 85. Studies have shown a significant portion of this population suffers from frailty, loss of muscle mass, incontinence, memory issues and interactions from common age-related medica-

LIFE STRATEGIES: FINANCIAL, TAX, AND ESTATE PLANNING AT EVERY AGE (40S THROUGH 80S)

tions. Geriatricians are physicians specifically familiar with illnesses and disorders that affect this demographic, but everyone’s body is different. When studies are done on a smaller portion of this age group — for example, people between 65 and 74 — there are fewer noticeable health issues than there are for adults even just 10 years younger. How old is a senior citizen? Philosopher Francis Bacon once said, “I will never be an old man. To me, old age is always 15 years older than I am.” n

LIFE STRATEGIES: FINANCIAL, TAX,LIFE AND LIFE STRATEGIES: STRATEGIES: ESTATE tion FINANCIAL,PLANNING TAX, AND FINANCIAL, TAX, eAND R gistra ESTATE PLANNING ESTATE PLANNING pen! AT EVERY AGE O AT EVERY AGE AT EVERY AGE PANEL EVENT (40S THROUGH 80S) 80S) (40S THROUGH 80S) (40S THROUGH

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NASSAU HERALD — October 11, 2018

How old is a senior citizen?

SENIOR UPDATE Senior Update

October 11, 2018 — NASSAU HERALD

Paradise Just Got a New Set of Coordinates at Latitude Margaritaville Latitude Margaritaville introduces 55-and-better communities inspired by the music and laid-back lifestyle of singer, songwriter, and best-selling author Jimmy Buffett. Visitors can tour designer model homes in new communities in Hilton Head, South Carolina and Daytona Beach, Florida. A third location is coming soon to Watersound, Florida. Latitude Margaritaville features island-style homes and amenities with architectural stylings and vibrant colors reminiscent of the tropics. Latitude Town Centers are now under construction in Hilton Head and Daytona Beach with openings planned for 2019. Exciting amenities will include the Paradise Pool, FINS Up! Fitness Center, Last Mango Theater, Latitude Bar & Chill Restaurant, sports courts and much more. Each community boasts a lifestyle director who organizes year-round activities, events, and entertainment.

private beach club, where residents can kick off their flip-flops, frolic in the surf and chill in the shade of a cool cabana. Providing front-row seats to the sparkling Atlantic Ocean, this fantastic beachfront hangout is just a free shuttle bus ride from the community. When residents are ready to hit the beach, all they will have to do is hop on board. Residents can find their place in paradise with low-maintenance homes that feature open, airy spaces that maximize natural light and flow into uniquely designed outdoor living spaces. Floor plans are designed for relaxing, entertaining and comfortably accommodating houseguests. Spacious master suites feature large walk-in closets and raised height vanities in the master bath. Many premium features are included that are often considered upgrades in other communities. New homes start in the $200s. Latitude Margaritaville is a new portfolio of active adult communities developed by the global lifestyle brand Margaritaville and master developer Minto Communities. Offering resort-style amenities, Latitude Margaritaville is the ideal destination for those looking to live the Margaritaville lifestyle as they grow older, but not up. For more information on Latitude Margaritaville visit LatitudeMargaritaville.com.

In the Heart of Carolina’s Lowcountry Within this Latitude Margaritaville community, residents enjoy endless opportunities for daily fun, fitness and recreation. Hilton Head, South Carolina is an area rich in history and one of America’s premier coastal destinations for fun and relaxation, including beachcombing, fishing, boating, golf, and the laidback pleasures of the legendary Lowcountry lifestyle. The World’s Most Famous Beach Daytona Beach, Florida is one of the world’s most iconic destinations for fun, including surfing, fishing, boating, beachcombing and more. Planned amenities at Latitude Margaritaville even include a

Latitude Margaritaville

866-509-6372 latitudemargaritaville.com Senior Updates are supplied by advertisers and are not written by the Herald editorial staff.

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Senior Update

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Garden Care Center proudly partners with Dialyze Direct to provide residents with staff assisted hemodialysis treatment on-site

arden Care Center provides staff assisted home hemodialysis treatments using the most advanced NxStage equipment, the treatments are tailored to help patients get the most out of their time at the facility. During your rehab stay you can schedule your dialysis for mornings or afternoons in our dialysis suite, located on our lower level, just opposite the rehab gym Research shows that patients being dialyzed in both shorter more frequent sessions have significantly improved outcomes in: • Increasing fluid removal • Reducing recovery times • Managing anemia better • Reducing blood pressure and medications • Reducing stress on the heart How we help the patient These results are only achievable through the shorter, gentler, and more tailored treatment model of home hemodialysis.

Treatments typically last two and a half hours, five times a week (pursuant to a physician’s order), and recovery times can take just 30 minutes as compared with traditional dialysis, which can have up to a nine-hour recovery time. This will allow patients to reclaim up to 20 hours a week of additional time for rehabilitation and activities at Garden Care Center. Upon discharge you return to your previous dialysis center. If you are a new dialysis patient, we will make arrangements for you to attend a dialysis center in your community.

Pursuing your dreams for tomorrow while still living for today

meriprise Financial is in the business of helping you pursue your wealth and grow your financial confidence in the future. With over 44 years of combined experience in the financial industry, our team helps Christopher Zarra, CFP , ChFC , CFS you balance pursuing Private Wealth Advisor, your dreams for CERTIFIED FINANCIAL PLANNER™ practitioner tomorrow while still living for today. It starts with a personalized conversation about covering essentials, ensuring lifestyle, preparing for the unexpected and leaving a legacy. By breaking your financial goals down into doable steps, we can help take the uncertainty out of planning for your financial future. We pride ourselves in helping clients in the asset accumulating phase of their lives, work on recreating their paycheck during retirement and preserving their wealth during the asset distribution phase. ®

We know the right questions to ask and work closely with our clients in the retirement income planning and wealth preservation process in helping them to achieve their goals and dreams. Our clients have described us as “knowledgeable”, “honest”, “responsive”, “good communicators” and “easy to work with”. If you are looking to build a financial advisory relationship, contact us at 516-764-0951 to start the conversation today. When you have the right financial advisor, life can be brilliant.

ZARRA WEALTH MANAGEMENT - A private wealth advisory practice of Ameriprise Financial Services, Inc. The Confident Retirement approach is not a guarantee of future financial results. The initial Confident Retirement conversation provides an overview of financial planning concepts. You will not receive written analysis and/or recommendations. Investment advisory products and services are made available through Ameriprise Financial Services, Inc., a registered investment adviser. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP (with flame design) in the U.S. Ameriprise Financial Services, Inc., Member FINRA and SIPC. © 2018 Ameriprise Financial, Inc., All rights reserved.

Garden Care Center

135 Franklin Ave., Franklin Square 516-775-2100 • www.gardencarerehab.com

Senior Updates are supplied by advertisers and are not written by the Herald editorial staff.

Ameriprise

119 N. Park Avenue, Rockville Centre, 516-764-0951 • ameripriseadvisors.com/christopher.x.zarra Senior Updates are supplied by advertisers and are not written by the Herald editorial staff.

Senior UpdaTe

oday there are a lot of factors in our genetic make-up and living environment that contribute to breathing problems. Some of these include: COPD, emphysema, asthma, pneumonia, influenza, bronchitis, and many others. Many of these conditions are currently treated via medication management, which can help reduce the symptoms you feel but not treat the underlying cause. The combination of medication management and a specialized pulmonary program combines different treatments to help you lead a more active life, improve your lung function, and be able to do those everyday tasks that you find difficult. At Lynbrook Restorative, it is their goal to help patients pursue active, productive lifestyles, despite any physical limitations they might have. Whether you are suffering from a chronic lung or acute pulmonary condition, the team is well equipped to create a rehab plan that accommodates your needs. The pulmonary rehabilitation program is overseen by a multi-disciplinary team of specialists that provide: weekly pulmonologist consultations, on-site therapy open seven days a week, on-site pulmonary rounds, personalized programming, pulmonary education/screening on admission, 1-on-1 pulmonary rehab, and group-class pulmonary rehab. Exercise training for pulmonary patients includes aerobic exercise, circuit training, functional endurance training, and muscle strengthening, and breathing techniques. Regular exercise incorporated into your daily life

can improve how active you can be, and it can reduce the fatigue you feel. Pulmonary education is important to understanding your condition and how it is best treated making it easier to live with and manage a better lifestyle. Lynbrook Restorative Therapy and Nursing has a pulmonary outpatient support group for discharged patients and the community, the third Thursday of every month, 12 p.m. to 1 p.m. in the rehabilitation therapy gym.

Lynbrook Restorative Therapy & Nursing 243 Atlantic Ave., Lynbrook • 516-634-1400

Senior Updates are supplied by advertisers and are not written by the Herald editorial staff.

s a v e t H e d a t e ! 11.14.18 Long Island’s

Presents The Premiere

Expo

senior HealtH

Featuring health screenings, exercise and cooking demos and a panel discussion with experts in the field. Wed. Topics include Estate Planning, Home Care, Nov. 14 Identity Theft, Medicare Insurance 10am ‑12:30pm and much more. O’Connell Gardens

free

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Goody bag for all pre‑registered attendees. Space is limited. Register today!

(across from Great Lincoln Shopping Center)

2985 Kenneth Place Oceanside

FREE

FREE Parking

SponSored by:

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Win a triP to CanCUn Airfare not included.

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O’Connell Gardens For Exhibitior/Sponsorship Opportunities or to register please call Amy Amato at 516.569.4000 x224 or email aamato@liherald.com

Top gadgets and tools for arthritis sufferers

By Sharon Naylor The Arthritis Foundation makes it easy for you to find top-quality gadgets and tools to help make your everyday activities more comfortable. Its Ease-of-Use Commendation is a label much like the Consumer Reports “recommended” list or the Good Housekeeping Seal of Approval, noting products that have been put through rigorous independent testing by experts and found to make life easier for people who have arthritis and other physical limitations. Since arthritis sufferers experience pain from some of the most basic movements, such as squeezing, twisting and lifting objects, and since there are more than 100 different types of arthritis each presenting its own physical limitations, it’s a benefit to know which products are proven life-enhancers. For instance, the Arthritis Foundation suggests choosing drinking glasses with a bumpy texture, which can be easier to grasp than glasses with smooth exteriors. And look for products with flip-top caps, zippers and larger, easy-to-open lids, rather than twist tops that can be difficult if not impossible for an arthritis sufferer to open. At http://ArthritisToday.org, you’ll find the complete and current list of Ease-of-Use Commendation-earning products. These include: √ Cordless phones with oversize buttons. √ Lightweight Tramontina-brand nonstick cookware (since heavy cast-iron pans can be difficult to lift and maneuver, posing injury risks). √ EZY-Dose Push-Button Pill Reminder cases, which hold your medications in organized slots, with easy flip-top access. √ IMAK Active Glove, which provides compression in your hands and wrists, yet with its open fingers still allows for dexterity. √ Tempur-Pedic pillows, neck pillows and bedding for improved sleep. √ Pre-filled medication syringes. √ A range of lightweight gardening tools to keep you in the garden and maintaining your landscaping with ease. √ Fiskars Easy Action Micro-Tip Scissors, an improved scissor that automatically snaps back open after easy-pressure squeezes. √ Pilot Dr. Grip Pen & Pencil, with a wider barrel for easier grip to reduce writing stress and fatigue. √ Pedometers and other fitness-oriented products, including exercise equipment. Accessories The Arthritis Foundation also suggests switching from a heavy handbag to a crossbody bag with padded straps, made of lightweight nylon or thin leather to take stress off of your wrists, elbows and arms, and choose wallets or totes with oversize zipper pull rings, perhaps with a tassel to add extra ease of opening and closing. A large, heavy wallet can cause pain in the back and hips, so the Arthritis Foundation mentions the Back Saver wallet, using a spring clip that folds to half the thickness of most wallets.

Refreshments and Snacks

Door prizes, raffles and much more!

Arthritis helpers

In the Kitchen Opening jars is a challenge for arthritis sufferers, so look to kitchen utensils with padded grips to give you extra traction in your twisting motion. And using a Crock-Pot means

Easy-grip tools make kitchen work simpler.

not having to wield multiple pots and saute pans to make a meal, as the one Crock-Pot holds and prepares your meal. When you do cook in the oven, consider doing so with nonstick pans that won’t have you scrubbing during cleaning and lining cooking sheets with foil before baking a lasagna, pie or other drippy menu item, which prevents you from scrubbing spill-overs. A pizza-cutter with a wide handle for easy gripping can be used to cut sandwiches, meats and other foods for which knives are harder to manage. Using a small kitchen appliance to chop vegetables with the press of a button removes the hand strain of slicing and dicing. Cleaning Buy cleaning products in smaller containers. They may not be the most cost-efficient, but a lightweight detergent bottle is far easier to use than a supersized bottle. And for cleaning tasks that require scrubbing, the Arthritis Foundation says, “Simple cleaning tools, such as microfiber cloths and gloves, or Mr. Clean Magic Eraser remove dirt beautifully with just a little water and minimal muscle.” The association’s Ease-of-Use Commendation has gone to several lightweight upright vacuum cleaners, and it’s advisable to have one vacuum cleaner on each floor of your home so that you don’t have to lug it up and down stairs. Separate cleaning supply caddies on each floor is also a winning suggestion. And instead of using dust rags that require a grip, slip a cotton sock or glove on your hand to perform easier dusting. When you’re armed with ease-of-use tools and technology, life can be easier and more painless, and you maintain your autonomy, while enjoying your hobbies and home care. n

NASSAU HERALD — October 11, 2018

Breathe a little easier with Lynbrook Restorative Therapy & Nursing’s Pulmonary Rehabilitation Program

SEnior UpdatE

SENIOR UPDATE

Estate planning through the years

state Planning is important at any age. The type of planning required is different across the generations, such as during the earning and accumulating years, during the planning years in which a family is growing, and during the protecting years as a person approaches retirement and beyond. One common denominator for all generations is the need for and importance of a Will and Advance Directives, advises Jennifer B. Cona, Esq., Managing Partner, Genser Cona Elder Law. Young and old, rich and poor should have a Power of Attorney, Health Care Proxy and Living Will. These legal directives ensure that appropriate agents are designated to make financial and health care decisions should you be unable to do so yourself. Young families execute Wills in order to name guardians of minor children. Baby Boomers

Senior UpdaTe

Five reasons why Umbrella will change your life

he most affordable, trusted way to care for your home, Umbrella is a membership service for people 65+. Here are five reasons why Umbrella will change your life. 1. Affordable, vetted help for any task in and around your house At just $16/hour for handy tasks, errands, and seasonal upkeep, Umbrella makes it possible to maintain your home without breaking the bank.

and beyond should focus on both estate planning and asset protection planning. In many cases, this can involve establishing a living trust and funding the trust with real estate and possibly bank and brokerage accounts as well. Transferring assets will begin the five year look-back for asset protection and Medicaid eligibility purposes. If there is no health care crisis within those five years,

all of the transferred assets will be protected and can be inherited by loved ones. Planning ahead allows for a maximum amount of assets to be protected. But one size does not fit all; there are many case-specific issues that affect estate and asset protection planning. Only an experienced Elder Law attorney can properly analyze each situation and make the best recommendation.

Genser Cona Elder Law

2. Take control of your to-do list From home repairs and maintenance, to snow removal and errands, life is filled with little things that need doing. Those small things add up! Our community is made up of triple-vetted community members who want to help you. 3. Get things done on your schedule No more waiting for your daughter to come over to change the light bulb, or hoping your neighbor rakes your leaves, Umbrella helps you get things done on your own terms. 4. A single place to call, don’t worry at all! Peace of mind is hard to buy. Our experts help diagnose your home issues and match you with the help you need. We’re just a call away when you need an extra set of hands.

5. Happiness Guaranteed All jobs are covered by our Happiness Guarantee. If a job needs to be fixed, we’ll make it right in a jiffy, at no additional cost to you. Call today: 516-882-4498 or visit AskUmbrella.com/Herald. Join before October 31st and get your first hour free. Mention code: HERALD. “Umbrella has given us a way to move forward. It has made such a remarkable difference in my life.” - Rosemary R., Valley Stream, Umbrella member

225 Broadhollow Rd., Suite 200, Melville • 631-390-5000 • www.genserlaw.com

516-882-4498 • AskUmbrella.com/Herald

Senior Updates are supplied by advertisers and are not written by the Herald editorial staff.

Physical Therapy Report

Patient Progress: Physical Therapy Report

Patient Progress:

Excellent !! Excellent !!

Therapy That Transforms Lives Therapy That Transforms Lives Lynbrook Restorative Therapy and Nursing, 243 Atlantic Avenue, Lynbrook, New York 11563 • 516.634.1400

www.lynbrookrehab.com

Lynbrook Restorative Therapy and Nursing, 243 Atlantic Avenue, Lynbrook, New York 11563 • 516.634.1400 www.lynbrookrehab.com

Pulmonary SuPPort GrouP Bring your questions and concerns to our Pulmonary Support Group. Learn breathing and exercises/find support among peers. Have your questions answered by our medical specialists. Meetings are held the 3rd Thursday of every month from 12:00pm to 1:00pm in the rehabilitation therapy gym at: Lynbrook Restorative Therapy and Nursing 243 Atlantic Avenue, Lynbrook, NY 11563 • 516-634-1400. Refreshments will be served.

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October 11, 2018 — NASSAU HERALD

In transition

By Jeanelle D. Horcasitas Let’s face it. Our grandparents, parents and even our current generation will eventually need some sort of assistance when we get older. Luckily, there are fabulous senior living facilities available that make getting older less intimidating. In fact, according to American Senior Communities, there were about one million Americans living in some sort of senior living facility in 2016. They predict that this number will double by 2030. Although some may be resistant to move to senior living facilities because of the psychological and emotional toll it takes, there are definitely many benefits. Here are a few tips for making your transition to and experience at a senior living facility a positive one. Don’t do it alone One of the biggest fears about moving into a living facility is that our family and friends will forget us. While the thought of being alone in a new and unfamiliar space is a bit frightening, if we involve our family and friends it makes the process much easier. Therefore, discussing your choice to live in a facility with your loved ones is crucial. Express your desire to stay connected and invite them over to visit you monthly, or perhaps schedule weekly phone calls. Keeping up a conversation and having a point of contact will make the transition feel less lonely and keep you close to your loved ones. With today’s technology, it is

Umbrella is an affordable membership service for people 65+ Use Umbrella for things like:

• Snow removal • Light fixtures & bulbs • Home organizing • Garage clean-up

even possible to have a live video chat to see the person in real-time. Making this transition does not mean you have to isolate yourself. Rather, it is an opportunity to stay in touch and make new friends. Stay active and socialize While keeping up with the outside world is important, staying connected in this new place is just as important. Senior living facilities understand the need to stay occupied and fill the time with fun activities. Therefore, don’t shy away from those opportunities when they come up. From exercise classes and crafts to bingo and movie nights, activities will help you to build a community and a new home for yourself. This is also a time for you to be creative and reflect. Is there some project you always dreamt of pursuing, but never got a chance to start? Now is your chance to think through your ideas and make it happen! Getting involved and developing friendships will make your living situation much more comfortable. Therefore, do a bit of research on the living facility to ensure that it has some of the activities you value and will look forward to. Take a stroll One worry that seniors have when entering a living facility is that they will no longer be able to lead a “normal” life and that they

Senior living facilities can offer many benefits, but adjusting to the change can be difficult for many people.

will be forced to stay inside all day. This is simply not true. If you are physically able, take a stroll around the block and get out of the facility for a little while. Walk to a nearby store or cafe and enjoy the fresh air. The last thing you want to do is make yourself feel stuck. Remember to utilize your independence and get out once in a while. There are even facilities that have buses or shuttles that can take you to where you need to go, whether you go out for a bite to eat, or need some retail therapy. If you have visitors keeping you company for a few hours, encourage them to take you somewhere else to get a change of scenery. All of these

options are a great way to exercise your freedom and continue to live a normal, happy life. Overall, according to American Senior Communities, these living facilities “help promote independence among residents while offering the chance to stay socially active.” Thus, although moving can be a painful process and transition at first, there are ways to overcome these struggles. The best advice is to simply encourage your loved ones to support you in this time in your life and for you to be open to lots of changes. Be excited about all of the potential at this new senior living facility and enjoy yourself! n

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• Removal of ACs • Home repairs • Furniture assembly • And more!

Visit AskUmbrella.com/Herald or call (516) 882-4498 to learn more “I don’t know how we’d manage otherwise. Best service ever. Five stars.” - Joe H., Lynbrook

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Helping Hands For Homeowners In Nassau County

NASSAU HERALD — October 11, 2018

Moving to a senior living home

CHANGE YOUR LATITUDE T IN

RODUCIN

Artist’s Rendering

Your New Home in Paradise It’s always been that happy place in your mind, and the spirit of adventure in your soul. It’s the state of mind when it all comes together in one of life’s perfect moments. When your mind wanders to this paradise, why not follow it home? We have heard your call… Minto Communities and Margaritaville welcome you to Latitude Margaritaville! Inspired by the legendary music and lifestyle of singer, songwriter and best-selling author Jimmy Buffett, your new home in paradise features exciting recreation, unmatched dining and FINtastic nightlife. With Minto’s 40 years of experience developing award-winning, master-planned communities and building quality homes for over 25,000 families, innovative new homes are a given. Escape to the place where fun and relaxation meet. Escape to island-inspired living as you grow older, but not up. Escape to Latitude Margaritaville.

Hilton Head, SC

DAYTONA BEACH, FL

9 Model Homes Open Daily 356 Latitude Blvd., Hardeeville, SC 29927 Mon. - Sat. 9am - 5pm | Sun. 11am - 5pm

9 Model Homes Open Daily 2400 LPGA Blvd., Daytona Beach, FL 32124 Mon. - Sat. 9am - 5pm | Sun. 11am - 5pm

(866) 509-6372

(866) 509-6370

Visit online for more information LatitudeMargaritaville.com

2018

THE COMPLETE OFFERING TERMS ARE IN AN OFFERING PLAN AVAILABLE FROM SPONSOR. FILE NO. [CP17-0092 for Daytona Beach and CP18-0021 for Hilton Head]. Obtain the Property Report required by Federal law and read it before signing anything. No Federal agency has judged the merits or value, if any, of this property. WARNING: THE CALIFORNIA BUREAU OF REAL ESTATE HAS NOT INSPECTED, EXAMINED, OR QUALIFIED THE OFFERINGS. Pennsylvania Registration Numbers OL00169 (Latitude Margaritaville at Daytona Beach) and OL001170 (Latitude Margaritaville at Hilton Head). Latitude Margaritaville at Daytona Beach and Latitude Margaritaville at Hilton Head are registered with the Massachusetts Board of Registration of Real Estate Brokers and Salesmen, 1000 Washington Street, Suite 710, Boston, MA 02118 and with the Consumer Financial Protection Bureau, 1700 G Street, NW, Washington, D.C. 20552. This material shall not constitute a valid off er in any state where prior registration is required and has not been completed. The facilities and amenities described and depicted are proposed but not yet constructed. Photographs are for illustrative purposes only and are merely representative of current development plans. Development plans, amenities, facilities, dimensions, specifi cations, prices and features depicted by artists renderings or otherwise described herein are approximate and subject to change without notice. ©Minto Communities, LLC 2018. All rights reserved. Content may not be reproduced, copied, altered, distributed, stored, or transferred in any form or by any means without express written permission. Latitude Margaritaville and the Latitude Margaritaville logo are trademarks of Margaritaville Enterprises, LLC and are used under license. Minto and the Minto logo are trademarks of Minto Communities, LLC and/or its affi liates. CGC 1519880/CGC 120919. 2018 MDT005805

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October 11, 2018 — NASSAU HERALD

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