Living Well 60+ July–August 2017 by Rockpoint Publishing

A RESOURCE GUIDE FOR YOUR GENERATION JULY / AUG 2017 VOL. 13 ISSUE 3

ENTERTAINMENT • HEALTH • BARGAINS • LIFESTYLE

Your nest egg and beyond

ALSO INSIDE Saving for a Rainy Day

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Contents 5

July/Aug 2017

Living Frugally: You can avoid going broke in retirement

FUNERAL: Memorializing Loved Ones through Life Celebrations

Technology Primer for Grandparents

10 TOP 5: Breakfasts in Lexington

STAFF WRITERS Donald Hoffman

Harleena Singh

Angela S. Hoover

Martha Evans Sparks

Jean Jeffers

Tanya J. Tyler

Lisa M. Petsche

TaNiqua Ward, M.S.

Charles Sebastian

ROCK POINT PUBLISHING

11 Sharing the Care is Only Fair: Support primary caregivers 12 Saving for a Rainy Day: Put your money away – just in case 13 FAMILY VISION: Cataracts Are a Part of Aging 14 FEATURE: Embracing Life to Its Fullest Patrons eagerly look forward to moving into Legacy Reserve at Frtiz Farm

16 EVENTS CALENDAR: July/August 2017 18 SENIOR SERVICES DIRECTORY

Brian Lord / Publisher Kim Blackburn / Sales Representative Jennifer Lord / Customer Relations Specialist Barry Lord / Sales Representative Anastassia Zikkos / Sales Representative Kim Wade / Sales Representative Janet Roy / Graphic Designer Living Well 60+ is a proud product of

ROCKPOINT Publishing

21 You Should Learn Hands-Only CPR 24 RELATIONSHIPS: Spenders vs. Savers 25 Reverse Mortgages: Live In and Still Own Your Home 26 Burial Costs Cover a Wide Spectrum 27 ELDER LAW: Distinguishing Asset Preservation Planning from Elder Financial Abuse

Living Well 60+ can be found in 19 central Kentucky counties and is distributed to over 900 locations, including senior centers, retirement homes, hospitals, clinics and specialty shops. You can also pick up your FREE copy of Living Well 60+ at most grocery and convenience stores as well as many restaurants throughout Central KY.

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28 Infusion Therapy Administered When Oral Meds Are Ineffective

e-mail brian@rockpointpublishing.com

29 HEALTH & FITNESS: Modified Moves, Maximum Results

© Copyright LIVING WELL 60+ Magazine 2017. All rights reserved. Any reproduction of the material in this magazine in whole or in part without written prior consent is prohibited. Articles and other material in this magazine are not necessarily the views of Living Well 60+ Magazine. Living Well 60+ Magazine reserves the right to publish and edit, or not publish any material that is sent. Living Well 60+ Magazine will not knowingly publish any advertisement which is illegal or misleading to its readers. The information in Living Well 60+ Magazine should not be considered as a substitute for medical examination, diagnosis or treatment.

30 AGE ALLOWS: Comedy Can Be a Prescription for Retirement Wellness

FROM THE

EDITOR Dear Friends, As a minister, I make a lot of visits to nursing homes, hospitals, rehab centers and retirement facilities. Sometimes it is very hard. I look at the wheelchair-bound or bedridden patients and my heart fills with sorrow for them. I try to imagine what they were like when they were young and vibrant and active. Did they like to

Tanya J. Tyler, Editor | Share your story: tanyaj@twc.com run, as I do? Did they like to cook, as I do? Did they go fishing with their kids? Did they travel across the country or around the world? There are so many stories in every room in each one of these places. I don’t want to sound selfish or as though I’m blaming them for their infirmities, but these visits reinforce my determination to stay as active and mobile as possible. I start

thinking about the things I can do to keep Living Well 60+ (and I’m closing in on 60 rather rapidly). I hope our magazine inspires you to continue doing all the good things you’re doing to age with grace, dignity and optimal health. Live life like you mean it!

Tanya

J U LY / A U G 2 0 1 7

Living Frugally You can avoid going broke in retirement by Harleena Singh, Staff Writer

Many people in the United States with significant savings fear going broke in retirement, according to a recent survey. However, there are ways to live frugally to try to prevent that from happening. 1. Analyze your living situation. According to research, the cost of a home and home-related expenses accounts for nearly 43 percent of spending for people who are 65 to 74 years of age. So, to save money, it may be worth downsizing to a smaller home, which also gives you a chance to earn money by selling items you no longer need. 2. Plan ahead if you are think-

ing of shifting to another home or a different part of the country. Ensure the area has the amenities you’re looking for, such as medical facilities, places of worship, colleges and universities. Make sure you’re going to be comfortable there. 3. Check out senior discounts, deals and offers from hotels, restaurants, drugstores, etc. Some tickets to museums and live performances come with discounts for seniors, so make use of them. In Florida, people who are 60 and older can audit any college course anywhere in the state at no cost, but they don’t get any college credit. 4. Cut the fat from your food budget. It’s cheaper to make more meals at home after retirement. If you choose to dine out, find places that offer less expensive meals and

again, take advantage of senior discount offers. 5. Be a savvy grocery shopper. Keep a lookout for good deals wherever you shop, including dollar stores, wholesale clubs and farmers markets. Look for coupons in the newspaper and stores and check out online discounts and coupons as well. If you plan your meals for the week and make a shopping list, you’ll make fewer trips to the grocery store and waste less food. 6. Evaluate your bills and costs. If you’re not using most of your cable channels, consider scaling back to a more affordable package. Couples with two cars may be able to get by with one to cut maintenance and gas costs. Retirement is a good time to consider going in for more compact and fuel-efficient vehicles. 7. Take charge of your medical costs. Always ask your doctor what different diagnostic tests will cost. 8. Look for other sources of income. You can even consider part-time work. Many seniors feel lost and depressed after they quit

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their jobs, so a part-time job would ensure you remain busy. Living frugally is a lifestyle that covers the basics in the least expensive way possible. You don’t have to give up everything and live like a hermit. Having a thrifty yet fabulous life in retirement is possible with a little discipline and attention to detail. SOURCES & RESOURCES:

• Free From Broke (www. freefrombroke.com) • Frugal Retirement Living (www. frugal-retirement-living.com) • The Street (www.thestreet.com ) • USA Today (www.usatoday.com) ABOUT THE AUTHOR:

Harleena Singh is a freelance writer and blogger who has a keen interest in health and wellness. She can be approached through her blog (www.aha-now.com) and Web site, www.harleenasingh.com. Connect with her on Twitter, Facebook and Google+.

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FUNERAL

Memorializing Loved Ones through Life Celebrations If you have attended a funeral service recently, you may have noticed that it was a little more upbeat and celebratory than the services you attended when you were a young adult or child. by Kim Wade, Community Relations Director, Milward Funeral Directors

With the baby boom population being 75 million strong, it’s no surprise that today’s funeral services have become “Life Celebrations” instead of a room full of friends and family wearing black attire and sad faces. This is certainly not to downplay the fact that when a loved one dies, we aren’t sad or that it is difficult to celebrate a traumatic and unexpected loss. It is simply to state that today the emphasis on funerals for many families, especially baby boomers, has been to plan the service around the things that the deceased enjoyed and the experiences he or she had during their lifetime. The funeral industry has coined many terms to refer to these personalized and celebratory services. Central Kentuckians likely have heard “Celebration of Life” or “Life Celebration”. Although “Life Celebrations” have been offered for many decades, families are requesting these types of services more today than in the past. At the most basic level, Life Celebrations may include photos, videos or personal memorabilia on display at the service. Additionally, some families choose to play selec-

tions from their loved one’s play list instead of traditional funeral music and readings. In more recent years, families are going beyond basic life celebrations. For example, at a Life Celebration for a wine connoisseur, family and friends may choose to share a toast to their loved one with a glass of the deceased’s favorite wine. The family of an artist may turn the funeral chapel into an art gallery so friends and family can admire the works of art. A Life Celebration for a baker might incorporate baking grandma’s best cookie recipe at the reception so everyone can smell and taste the cookies. Some of the examples of Life Celebrations mentioned are easy enough for a funeral director to carry out in a short notice. Other personal touches at a Life Celebration take more time to plan and implement. Just like it can take 6 months to a year to plan an elaborate wedding, the possibilities for Life Celebrations are endless and should be planned well in advance of an eminent death. Individuals and families who want to memorialize their loved one through a Life Celebration will benefit from a conversation with a local funeral director who specializes in advance planning. An advance plan will help your family and funeral director know how you want your life celebrated.

I recently lost my grandmother and uncle and miss them dreadfully. However, I’ve always been appreciative that our family celebrated the many good years we spent with them through Life Celebrations. Because my relatives chose a Life Celebration before they died, my family felt that they had given permission to laugh as much as we cried. I cannot tell you how wonderful it was to be in a room full of people sharing the joyful memories and laughing together instead of dwelling on death. I know in my heart that they would have wanted us to celebrate.

Because my relatives chose a Life Celebration before they died, my family felt that they had given us permission to laugh as much as we cried.

While the popularity of Life Celebrations has increased, a funeral is still about memorializing a loved one and helping families and friends cope with their loss. Your funeral director will help guide you through the entire process.

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Technology Primer for Grandparents Keeping in touch in the Digital Age

by Angela S. Hoover, Staff Writer

No one needs to be told the younger generations are attached to their technology. It used to just be computers, but now it’s

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Generations” found teens and their parents and grandparents are communicating more because of social media and other online tools. If you’re not already riding the digital communication train, you might want to hop on board. The secret is connectivity. It’s not a matter of the grandchildren not wanting to stay in touch or not having the time – it’s all about the method. The most foolproof technique is to have a smart phone just as they do. If you don’t have a smart phone and don’t want one, you could use a PC, laptop or tablet. Texting won’t be going away anytime soon, but it does evolve. Brush up on hip lingo by searching online for texting acronyms. When in doubt, do this first rather than guess what a random three-letter combination means. In addition to acronyms, pictures called emoticons are now very popular. Be sure to Google these as well. Don’t send an eggplant unless you know what it means. WhatsApp is the name of a messaging app download for PC, laptops and both Android and iPhones. It lets you send pictures and do live video calling, and you can lower your SMS rate plan because you won’t need as many

texts. You can also keep in touch with loved ones abroad for no additional cost. Facetime is a similar messaging app, but it only works with iPhones, iPads and iPods. Rounds is similar to WhatsApp and Facetime but adds live webcam hangouts, games and activities such as chess, checkers and backgammon and drawing. Cool kids ages 12 and up dubbed Facebook “not cool” several years ago, yet many still use it. Facebook now offers live video messaging. Instagram is a photo-sharing site. The photos are a form of communication and storytelling. Chances are one at least one of your grandchildren has an Instagram. Following it can offer insights into their lives and thoughts. Twitter is like a marriage between Facebook and a blog but is limited to 140 characters a post. Your grandchildren probably have a twitter you should follow. They’d get a kick out of following your twitter account. Google Hangouts is the Jetson phone plus plus. It can be used on a PC, laptop or phone; it just requires an email address or phone number. Up to 10 people can be on a call at once. Texting is available, and a user can switch to show their desktop, a document or play a video. For long-distance relationships, it’s a great way to schedule a time to get everyone together for a fun, interactive experience that’s the next best thing to meeting in person. ZuberFamZoom! was developed by grandparents for grandparents. It lets you play games, do puzzles, draw and doodle, read stories and help with homework in real time. There are numerous video calling methods to bridge long distance. Skype is the most widely known. It can be used for voice, video and text within the United States; you can also connect with people in other countries. Voxer allows you to send pre-recorded messages. Spaxtel, Viber and PennyTalk are low-cost alternatives for making international calls.

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Breakfasts in Lexington LOCAL EATERIES HAVE PLENTY OF TASTY CHOICES by Charles Sebastian, Staff Writer

If you’ve lived in Lexington longer than five minutes, you know restaurants abound here. This list features local – not chain or franchised – eateries that are stand alone and have reasonable prices and, of course, good food. They are in alphabetical order. Brontë Bistro

Brontë Bistro offers a nicely varied breakfast menu. The restaurant can be found inside Joseph-Beth Booksellers at Lexington Green. The Bistro egg platter, breakfast quiche and the spinach, tomato and feta omelet are some favorites. There are vegetarian and glutenfree options as well. Check out

Brontë Bistro’s entire menu at www.josephbeth.com/bronte/ home.html. Doodles

Doodles, a breakfast favorite among locals, says it serves “comfort food with a conscience,” striving to use as much organic product as possible. Its offerings include pigs and puffs (bacon, beignets and fresh fruit), dirty shrimp and grits and a popular build-your-own omelet. Doodles is located at 262 North Limestone. The menu contains great lunch items as well. Its Web site is www. doodlesrestaurant.com Josie’s

Josie’s has become a local breakfast favorite in recent years. Located in Chevy Chase, it offers a good array of early-morning

treasures. The country classic omelet, the cheeezee omelet and sausage and biscuits are some of the eatery’s best sellers. The dining room is filled with a lot of fun décor. The menu and more information about Josie’s can be accessed through its Facebook page: http://places.singleplatform.com/ josies-65/menu?ref=Yahoo. Shakespeare & Co.

Shakespeare & Co. not only offers many traditional American breakfast dishes, but also a spectrum of Mediterranean dishes, including vegetarian and gluten-free plates. Located at 367 West Short Street in the heart of downtown Lexington, this restaurant boasts an incomparable menu and a highly eccentric ambience that sets it apart. It’s well worth the

trouble of finding a parking spot. Explore its Web site at www. shakespeare-and-co.com. Wild Eggs

Wild Eggs has a very extensive breakfast menu. Biscuits and gravy, oatmeal, bananas Foster, chicken and waffles and a variety of omelets, soups and sandwiches are part of Wild Eggs’ impressive offerings. Wild Eggs has a homegrown feeling, something its customers apparently relish. They chose its hot Brown as the best in Kentucky and lauded it for having the best brunch as well. Find its Web site here: www.wildeggs.com.

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Sharing the Care is Only Fair REACH OUT & SUPPORT PRIMARY CAREGIVERS by Lisa M. Petsche, Staff Writer

Caring for an aging relative typically involves physical, psychological, emotional and financial demands that increase over time. If you have a parent, sibling or other relative in a caregiving role, it’s important to reach out and support them. This can be done even if you don’t live close by. Here some ideas for supporting the primary caregiver in your family. If You Live Nearby:

• Offer to sit with the care receiver for an hour or two while the caregiver runs errands, gets her hair done or attends a social event. Make this a regular practice. • Offer to accompany the caregiver and care receiver to a community event so the caregiver has an extra pair of hands and eyes. • Coordinate get-togethers that don’t involve any work on the caregiver’s part. • Offer to accompany the caregiver to a support group meeting if he can make respite arrangements; otherwise, offer to be the respite provider so he can attend. • Help make it possible for the caregiver to practice self-care. For example, bring over a meal or offer to stay with the care receiver while the caregiver takes a walk or attends a fitness class. Helping from a Distance

Even if you’re not available for hands-on assistance, you can still help the primary caregiver take care of your relative’s needs. Here are some ideas: • If your relative has a chronic illness, gather and share information to help family members understand the disease and what to expect in the future. • Offer to research support services in your relative’s community that can help. Information can be obtained from the local office on aging.

• Clip and send articles about caregiving that contain practical information, such as behavior management tips or self-care strategies. • Volunteer to be the point person who keeps family and friends current about how the care receiver and caregiver are doing and informs others about any needs that arise. • Ask what kind of help the caregiver could use most. Perhaps you can cover or at least contribute towards the cost of medical equipment, home adaptations, house cleaning, yard maintenance service or respite care. Coordinate the pooling of funds with other family members as needed. • Offer to come and stay with your relative so the caregiver can take a vacation. Providing Emotional Support

• Assume responsibility for communication. Arrange a regular time to call or Skype. Ask not only how the care receiver is doing, but also how the caregiver is coping. Encourage the caregiver to call you with concerns. Don’t forget to express appreciation for all he or she does for your relative. • Listen to the caregiver without judgment. Offer empathy and words of support. Encourage him or her to take one day at a time. • Send a card or note to brighten the caregiver’s day. • Surprise the caregiver with a treat, such as a music CD, fresh flowers or a gift certificate to a restaurant that has takeout and delivery service. • Encourage the caregiver to accept offers of help and ask for assistance. ABOUT THE AUTHOR:

Lisa M. Petsche is a medical social worker and a freelance writer specializing in boomer and senior health matters. She has extensive experience with elder care.

PICTURE YOURSELF HERE.

Legacy Reserve at Fritz Farm, Lexington’s newest senior living community will open July 2017. Eliminate the stress of home maintenance, pursue new interests, enjoy fine cuisine and cultivate friendships all in the security and comfort of a carefree living environment. Join residents with a vibrancy for life and passion for independence in our extraordinary community.

Why wait to pursue the freedom to enjoy life? Limited availability and pre-opening advantages ending July 2017 For more information please call (859) 286-5111 L E G A C Y R E S E RV E K Y. C O M

J U LY / A U G 2 0 1 7

Saving for a Rainy Day PUT YOUR MONEY AWAY – JUST IN CASE by Jean Jeffers, Staff Writer

EVERYONE SHOULD COMMIT TO SAVING EVEN A SMALL AMOUNT MONTHLY.

We all know we need to save money, but many of us put off saving. We need to develop a rainy day fund. Having a “rainy day fund” gives you the peace of mind of knowing you are secure and better prepared to meet unexpected expenses. Bankrate’s Financial Security Index says 20 percent of individuals do not have any money saved. Only one person in five has sufficient funds to cover three months of expenses. Everyone should commit to saving even a small amount monthly. It will add up and become more useful over time. A rainy day fund should not be confused with an emergency fund. An emergency fund is money saved for times of unemployment and extended illnesses, when it is necessary to find the money to pay everyday expenses such as a mortgage, groceries and utilities as well as medical bills. An emergency fund is usually a savings of $10,000 to $15,000. Rainy day savings are far smaller. This is the money you use to pay for service when the washer or dryer breaks down or to cover a few sick days or an occasional

unexpected doctor visit, car repair or prescription. It is not for funding a vacation or the purchase of a new car. A rainy day fund typically is $1,000 to $5,000. To build your rainy day fund, you may want to cut expenses or create extra income. There are two kinds of “rain” here: Predictable rain:

Car insurance, property tax, car registration – expenses you know are coming and how much they are. Unpredictable rain:

You know the expense will come, you just don’t know how much or when. Save for both.

Here are some strategies for starting a rainy day fund: • Save your change, either coins and/or single dollar bills, left at the end of the day. • Quit a bad habit and save the money you spend on it. Consider giving up habits such as smoking, stopping at the local snack shop for a treat after work or getting that extra beer with dinner — put that money in your rainy day fund. • Find sources of extra income,

such as selling part of a personal wardrobe that you don’t wear much or gently used furniture. These things could be sold on Ebay or at a consignment shop. • Lay off the credit cards. Your aim is to budget and save out of your income, not to continue to go in debt. • Put that small raise you received into this fund. It will have a lot more muscle here. • Keep your rainy day fund in a Roth IRA or a no-fee savings account. Other good places to park such money include certificates of deposit and money market accounts. • Don’t make it easy to get to the money. For example, keep it at a different bank from where you have your checking account. • Put your financial goals in writing and periodically review them. Teach your children to save for a rainy day as well by putting their gift money or part of their allowance in the bank. By helping them be aware, you may find you step up more to the task. SOURCES & RESOURCES:

www.bankrate.com

J U LY / A U G 2 0 1 7

FAMILY VISION

Cataracts Are a Part of Aging SURGERY TO REMOVE THEM HAS COME A LONG WAY

by Dr. Rick Graebe, Family Eyecare Associates and Vision Therapy

If you are coming in to your 40s, you may be noticing that your eyesight is changing. You have to strain a little to read, holding the book or newspaper farther away, or you find you need to wear bifocals. You may even notice a bit of clouding of the lens of your eyes. What is going on? Your eyes, like many other parts of the body, are showing signs of aging. The Crystalline

Do you have to strain a little to read, holding the book or newspaper farther away, or find you need to wear bifocals? What is going on?

lens in your eye is becoming less flexible. This makes it more difficult for the lens to adjust and focus when you look from far to near. Oxidation is another part of the equation. New fibers form in the eyes, and these cause the lens to lose flexibility. This typically happens around your 40th birthday, give or take a few months. You start noticing headaches and fatigue. Your computer comes in and out of focus. You may begin to be affected by cataracts. As the fibers around it grow, the lens gets denser and less clear. This is due to a process

called brunescence, which means browning. You may notice you need more light to see to read by. Or as you drive at night, car lights seem to have a little more glare around them. Cataracts do not appear all of a sudden. They undergo a natural progression. Doctors who specialize in cataract surgery recommend watching and waiting for them to grow. The rule of thumb is, as long as you can see well enough to do the things you need to do and be safe while doing them, you don’t need to do anything with the cataract. Cataract growth is a slow, insidious process; most people don’t realize their vision has been debilitated by cataracts until it gets very bad. When it starts interfering with your day-to-day activities, you have a mature cataract that is ready to be removed. Cataract surgery has come a long way over the past few decades. Previously, the surgery entailed cutting the eye open and using 16 to 20 stitches to put the implant in place. These days, the surgery involves no stitches because the incision is so microscopic. The cloudy lens is removed and replaced. Formerly, the lens was not replaced, causing the eye to lose 20 percent of its focusing power. With all the technological advances today, the eye surgeon can measure the different parts of the eye and calculate exactly what

power lens implant you need in order to see after undergoing the extraction. The surgery is such a straightforward procedure that you will probably be able to return to work the day after. People who have had cataract surgery often say it wasn’t as big a deal as they thought. They exclaim over how much better they can see and wonder why they put it off so long. There’s little you can do to prevent cataracts, but you can stave them off by following a healthy diet and exercising, improving your oxygen intake and use. ABOUT THE AUTHOR:

Dr. Graebe received both his B.S degree in Visual Science and Doctorate of Optometry from Indiana University. He is a Behavioral Optometrist and learning expert. He has been in private practice here in the Bluegrass area for the past 32 years.

Family Eyecare Associates 105 Crossfield Drive, Versailles, KY 40383 859.879.3665 | www.myfamilyvision.com www.kentuckyvisiontherapy.com

Embracing

Life to Its

Fullest

Patrons eagerly look forward to moving into Experience Senior Living redefined featuring five dining options and over one hundred social, educational and life-enriching events monthly. Unique community highlights include indoor saltwater pool, terrace, sports bar and day spa. Visitor Center and model apartment home opportunities now available. Exclusive benefits currently offered include introductory rates, rate lock options and more for Legacy Patrons. Discover the freedom to enjoy life at Legacy Reserve.

Contact Jacqueline Kennedy to learn more about exclusive benefits and the advantages of becoming a Don Bayer, left, and Roy Griggs, right, are two of the first patrons to sign up to move into charter member of Legacy Reserve at Fritz Farm. Photos courtesy of Legacy Reserve at Fritz Farm.

Legacy Reserve at Fritz Farm.

legacyreserveky.com

2700 Man o’ War Boulevard | Lexington, KY 40515

Enjoy the best season of your life

(859) 286-5111

Experience Senior Living redefined featuring

by Tanya J. Tyler, Editor, Living Well 60+

Patrons of Legacy Reserve at Fritz Farm can hardly wait to move into their new homes this month. Some of them signed up over a year ago. “I chose Legacy Reserve as my future home for many reasons,” said Don Bayer, a retired Chicago Public Schools principal. “I was fascinated by the fact that it is going to have a heated saltwater swimming pool. I love to swim.” “We decided we wanted to live here the rest of our lives,” said Loretta Jones, another resident looking forward to moving in. “So we are downsizing and we’re ready to go.” As its Web site (http://legacyreserveky.com) says, Legacy Reserve at Fritz Farm is “a unique senior living experience for the astute, active senior, offering a distinctive community promoting the freedom to enjoy life.” Its mission is to “provide an unrivaled senior living experience through the delivery of extraordinary services to residents in a refined environment, promoting maximum independence.” “With 26 years of working with seniors, I came to Legacy Reserve to create a community that embraces all phases of life with excitement. My gift is to build a culture of passion for serving, teamwork and family,” said Executive Director Carol Brinegar. Legacy Reserve is just the place for seniors seeking an active lifestyle community where they can pursue new interests, enjoy fine cuisine and cultivate friendships in the security and comfort of a carefree living environment. Numerous people have already reserved apartment homes; the first 25 will be occupied the last two weeks of July and several other move-ins are scheduled for August and September. “These people are embracing life to the fullest and want to be at a community that can enhance those opportunities,” said Jacqueline Kennedy, Director of Sales and Marketing for Legacy Reserve. “The response has been overwhelming. It’s extremely exciting that those vibrant, active seniors have been waiting and looking for this.”

July/Aug 2017

“I was fascinated by the fact that it is going to have a heated saltwater swimming pool.” Carolyn Richardson, one of the first residents who will be moving to Legacy Reserve in July, agrees. “Somebody finally figured out what folks my age really want,” she said. “I am looking forward to having another great journey in my life.” Kennedy acknowledges there are a number of wonderful opportunities in the Lexington area for senior living, but she believes Legacy Reserve stands out. “We feel we are truly redefining senior living for those people who still are very active,” she said. “There hasn’t been a new independent living community built here in years. Most of the independent living (communities) in town are over 30 years old. They’re wonderful communities with great reputations, but people haven’t quite seen something like Legacy Reserve in a while. It is truly independent.” The community is geared for people who remain involved with numerous activities. Some Legacy Reserve patrons are still working. “They want to be around peers that are also active,” Kennedy said. “They’re so engaged and on the go.” Legacy Reserve patrons will certainly find plenty to do in their new home. There’s the saltwater swimming pool Bayer can’t wait to dip his toes into; a fitness center that will offer a variety of exercise programs; and an entertainment and sports bar, where patrons can gather to socialize over cocktails while watching a basketball game on one of four flat-screen televisions. A substantial community recreation program will promote patron liveliness, allowing them to renew or

expand their interests and passions. “It’s been an exciting concept for seniors who don’t want to look at senior housing as just bingo and ice cream socials,” Kennedy said. “They want more – a new community with a modern flair that allows them the freedom to enjoy life.” The elegant, spacious apartment homes feature 10-foot ceilings, full kitchens with granite countertops and stainless steel appliances, luxurious bathrooms with walk-in showers and washer-dryer hookups. A majority of the apartment homes also have a personal patio or balcony. Configurations include studios, one bedrooms, deluxe one bedrooms and two bedrooms plus baths. Other amenities available at Legacy Reserve include all-day dining in Chandler’s Restaurant so you can enjoy meals at your convenience, including bistro dining for lighter fare or an on-the-go meal; a Grand Day Spa with hair, pedicure and manicure services available on a fee basis, operated by Hair Nation Salon and Spa; an emergency response system; a library with computer access; and a cultural arts center. “The amenities are really catching the eye of a lot of people who want to continue to search out that active lifestyle,” Kennedy said. “Legacy Reserve will allow them the opportunity to stay as active as they possibly want to be. They’ll have a whole plethora of things to do internally. They’re going to have a lot of fun here. It’s going to give such a quality to their life and peace of mind to their adult children.” The community is located near the brand-new Summit, which, when

it is completed, will have about 70 shops and 20 restaurants, creating an extraordinary destination for Legacy Reserve patrons to indulge in shopping and unique dining choices close to home. The Summit is convenient to get to, and if patrons don’t want to drive, concierge chauffeur services are available. More and more people these days are being quite proactive as they consider what kinds of living arrangements they want as they age. “I’m used to people waiting to decide what they want to do,” said Kennedy, who has worked in senior housing for 27 years. “In the past, people would wait almost too late to make a decision (about moving). A lot of times I would hear people say, ‘I’m not ready for that yet,’ but the people coming to us are saying, ‘I can’t wait.’ They are being extremely proactive.” “I wanted to find a place where I will feel comfortable in future life without making my son or daughter have to make the decision for me,” said resident Roy Griggs. “I want to be ahead of that curve.” Excitement about Legacy Reserve is growing. “I’m going to enjoy living at Legacy Reserve with all the other active people for all the amenities we’re going to have,” said patron Frankie Doyle. “We’re going to have loads of fun. We will be able to go places and do things together. It will be more like a little family.” For more information about Legacy Reserve at Fritz Farm, call (859) 286-5111 or send an email to jkennedy@legacyreserveky.com.

J U LY / A U G 2 0 1 7

Events Calendar JULY 3 10 17 24 31

Every Tuesday: 8pm–10pm at Tates Creek Recreation Center, 1400 Gainesway Dr. $5.00 per person per lesson. Call for more information: Glenn and Rosalee Kelley 859-233-9947; OR Peter and Robin Young 859-224-3388.

AUGUST

Sun Mon Tue Wed Thu

2 9 16 23 30

Swing Lessons

4 11 18 25

5 12 19 26

6 13 20 27

Fri

Sat

Sun Mon Tue Wed Thu

7 14 21 28

1 8 15 22 29

6 13 20 27

7 14 21 28

2 9 16 23 30

3 10 17 24 31

Fri

Sat

4 11 18 25

5 12 19 26

Send us your event listings

List your event for FREE if it’s free to the public*. E-mail your event information to brian@rockpointpublishing.com (*$35 fee for events that are not free to the public)

Ongoing

Yoga Health & Therapy Center Classes Our Yoga Classes feature slow stretch with gentle breathing, and relaxation techniques. Class size is small, to provide careful instruction. Yoga classes are offered Mon through Thurs (daytime and evening), and Sat mornings. Our Meditation Starter Course teaches simple ways to focus and quiet the mind; 5-week sessions are offered on Sundays at 5:30 pm. A nonprofit organization operating since 1981, The Yoga Health & Therapy Center is located at 322 W. 2nd St. Free private parking is provided for most classes. For more information on fees and scheduled dates and times, call us at 859-254-9529, or email us at info@yogahealthcenter.org

Sit and Get Fit Mondays and Fridays, 9:30am10:30am. FREE! This event is a seated controlled exercise/ movement class to improve strength, flexibility, balance and coordination. It is taught by Anne Graff, MS, OTR/L, Occupational Therapist certified by the American Senior Fitness Association as a Senior Fitness Instructor and trained in Body Recall. Also included are: Fall Prevention and Recovery, Fun Movements to Strengthen Body and Mind, Improve Posture and Core Conditioning, Wellness Education, Relaxation Techniques, and Music. The Charles Young Center is located at 540 E. Third Street. Parking is available on Shropshire Avenue or Lewis Street, Lexington, KY. Ages 60 and older. For more information, please contact Alexis Edge at 859-2460281 or aedge@lexingtonky.gov.

Community Yoga Class with Lauren Higdon Every Tuesday 10:30am– 11:30am at Centered Studio, 309 N. Ashland Ave. Suite 180 in Lexington. This weekly restorative class integrates gentle yoga, breathing techniques, meditation and wellness tips for all ages and levels of physical condition. Classes may include chair yoga, restorative, yin yoga, tai chi, and more. Perfect for beginners as well as experienced yogis! Donations-based class.

Community Flow This weekly (Tuesdays) restorative class integrates gentle yoga, breathing techniques, meditation and wellness tips for all ages and levels of physical condition. 10:30am–11:30am. Donation only (great portion of all donations go to the Backpack Food Program at Ashland Elementary.) Inspiring, Educating & Supporting our World through the Moving, Visual & Healing Arts! Daily classes, therapies, workshops & a great spot to host your next event! 309 N Ashland Ave Ste.180, Lexington, KY 40502. 859-721-1841. www.centeredlex.com.

Lupus Support Group Living & Coping with Lupus: meets 1st Tuesday of every month at Imani Baptist Church, 1555 Georgetown Road,

Lexington from 7:00pm–8:30pm. The Lupus Foundation of America support groups are intended to provide a warm and caring environment where people with lupus, their family members, caregivers and loved ones can share experiences, methods of coping and insights into living with chronic illness. www.lupusmidsouth.org 877-865-8787.

MELT Method Hand, Foot and Body Healing Class by Shayne Wigglesworth. Mondays and Wednesdays at 12pm - Discover painfree living at any age! Enjoy a gentle foam roller class to reduce pain, inflammation, stress, anxiety and more! MELT Method certified instructor Shayne Wigglesworth will teach you healing techniques you can use for self care at home. All materials and rollers are provided. Perfect for all ages, body types and experience levels. Learn more – call/online: www.centeredlex.com 859-721-1841

Lexington Area Parkinson’s Support Group Free daytime and evening discussion groups for people with PD and their care partners. Daytime meetings held the 4th Monday of each month at noon. Evening meetings held on 1stWednesday of each month at 6:00 pm. Both group meetings held at Crestwood Christian Church, 1882 Bellefonte Drive, Lexington, KY. For more details contact Elaine at 859-277-1040 or by email info@parkinsonslexington.com. Please visit our website atwww. parkinsonslexington.com to

J U LY / A U G 2 0 1 7

get more details about these meetings and other free events held by LAPSG.

Free ‘How to Stay Young’ Class Triple Crown Chiropractic and Wellness offers a free class twice a week explaining how to keep your body young through chiropractic care. Free spinal screening available for anyone who attends the class. To register for the class, please call 859-335-0419. Questions to pr.triplecrownchiro@gmail. com. Triple Crown Chiropractic and Wellness: 1795 Alysheba Way #4103 Lexington, KY. Free gift from the office to those who attend the class!

Saturdays

Lexington Farmer’s Market Every Saturday at Cheapside Park visit the Lexington Farmers’ Market! You can purchase herbs and spices, honey, beeswax, candles, body care products, organic products, eggs, meats and fresh, seasonal produce. 7am-2pm.

July 4–Aug. 29 Big Band & Jazz

Big Band & Jazz, one of Lexington’s longest running and most beloved concert series, features great jazz and big band music weekly. Bring your lawn chairs or blankets for seating in Ecton Park (956 Turkey Foot Road, Lexington) every Tuesday from 7:00pm – 8:30pm. Admission is free.

July 15

Doggie Day Out Join us at Morning Pointe of Lexington East from 1–3pm for “Doggie Day Out”! Several vendors will be set up in our parking lot offering helpful tips and fun things to do with your dog. 150 Shoreside Drive, Lexington, KY 40515. 859.721.0350 for details.

July 15

28th Annual Fun Camp for Children with Diabetes 8 am-4 pm, Camp Shawano at 3775 Newman Road, Lexington. Call 859-881-3046 for information and to register.

July 18

Eat, Move, Lose Weight Support Group 12 – 1 pm, Lexington-Fayette Co. Health Department PH Clinic South, 2433 Regency Road. Free weight-loss support group appropriate for anyone wishing to lose weight or maintain weight loss. Share struggles and ideas with others. Held first and third Tuesdays most months. For more information or to preregister, call 288-2446.

July 20

Farmer’s Market Festival 10am-2:00pm, Bourbon County Health Department, 341 East Main Street, Paris. Enjoy Art Studio on the Move’s kids’ art & crafts RV, music, a scavenger hunt for the kids, cooking demonstrations, car seat checks, & more! WIC participants can receive coupons for purchasing fresh fruits and vegetables. For more information, call 859-987-1915 Ext. 4117.

July 24

Health Chats about Diabetes 10 – 11 am, The Refuge Clinic, 2349 Richmond Road Suite 220, Lexington. Free. Join us to discuss tips to manage and control diabetes in practical ways. For more information, call 288-2446. Sponsored by the Lexington-Fayette Co. Health

collections that illustrate how changing technique and technology influenced the photographer’s work, and demonstrate the powerfully expressive quality of the medium. Visitors can explore contemporary digital imagery. Headley-Whitney Museum of Art. $10 Adults; $8 Seniors & Students. 4435 Old Frankfort Pike, Lexington. 859.255.6653.

August 1

Evening Tea Tuesday at Waveland Delicious tea and food served by period dressed interpreters on fine china. Once finished with the tea, enjoy a tour of the Waveland Mansion. 225 Wavelane Museum Lane, Lexington, KY. $30 admission, reservations required. Call 859-272-6311 or visit http:// parks.ky.gov/parks/historicsites/ waveland/.

August 1–6

Kentucky Summer Classic

Summer Horse Show 2017 series. This event draws local riders, international riders and even former Olympians. This show also features premier-rated hunter and jumper classes. 4089 Iron Works Pike, Lexington. www.kentuckyhorseshows.com/ for more information.

Aug. 1–Nov. 30 Official Keeneland Tour

Let an experienced guide take you on a walking tour of Keeneland Race Course. Explore the paddock and grandstand while enjoying the morning workouts. Rain or shine. Wear appropriate shoes for walking and climbing stairs. Children 12 and under free. Advance ticket purchase online suggested as tours limited to 30 people. Not available on major holidays or Saturdays during October. Admission $8 or $15. Tours every Tuesday, Thursday, Friday, Saturday. 4201 Versailles Road, Lexington. Call 859-254-3412 or visit www.keeneland.com/ discover/tours.

The classic is a 5-day hunter/ jumper show and is the second part of the two-part Kentucky

Home Care by Seniors for Seniors

Dept.

July 25

Making the Move to Senior Living Pat Borg, Real Estate agent with Weesner Properties will be discussing the real estate market (getting your home ready to sell, etc.) Bluegrass Crossroads Move Managers, BethAnn Hayden and Robin Johnson will be sharing helpful tips on downsizing. Lunch will be provided. Reserve your seat with Lisa Stone 859608-9070. Morning Pointe of Lexington East, 150 Shoreside Drive. Lexington, KY 40515. 859.721.0350.

July – Sept. 3

History of Photography This exhibition includes over 90 photographs drawn from museums, libraries, and

There’s a huge difference in the kind of home care you can receive from someone who really understands what your life is like as a senior. Your concerns and need for independence. Someone who like you, has a little living under his or her belt. Our caring, compassionate seniors are there to help. We offer the services you need to stay in your own home, living independently. • Companionship • Light Housekeeping

• Meal Preparation • Transportation . . . and more!

KY 500239

Like getting a little help from your friends® Call us today! If you are interested in becoming a service Provider we would like to hear from you too.

(859) 408-1145

www.seniorshelpingseniors.com/lexington ©2016 Seniors Helping Seniors. Each office is independently owned and operated. All trademarks are registered trademarks of Corporate Mutual Resources Inc. Not all services are available in all areas.

J U LY / A U G 2 0 1 7

Senior Services DIRECTORY

Category Key

Does your business provide excellent senior services?

call us for a spot County Offices & Meal Programs in the directory 859.368.0778 Health Care Systems & Hospitals Transportation, Personal Shopping, Errands Senior Day Centers, Adult Day Centers & Respite Care In Home Care (Non-Medical)

In Home Medical Care Mental Health, Family & Caregiver Support, Advice Disability & Rehabilitation Medical Equipment, Supplies & Monitoring Systems Finances & Estate Planning, Trusts/Wills, Reverse Mortgage

About the Directory Living Well 60+ is striving to make your search for local senior services a bit easier. We know there are many companies available to assist seniors in central Kentucky â&#x20AC;&#x201C; so many that beginning a search to fit your need can seem like a daunting task. Thatâ&#x20AC;&#x2122;s why our directory features a collection of local companies and organizations who have a solid track record of providing exceptional assistance. We hope it becomes a useful starting point in your search for quality senior services.

Funeral Arrangement & Pre-Planning Legal Services Home Repair & Maintenance Skilled Nursing Facilities, Personal Care Homes, Long-Term Care Senior Independent Living & Retirement Housing Real Estate / Rent- Subsidized Housing For Independent Living Moving, Estate Sales, Downsizing Services Fitness, Healthy Eating & Healthy Living Healthcare, Medicare Help and Insurance Vision Care

J U LY / A U G 2 0 1 7

HEALTH CARE SYSTEMS & HOSPITALS

DISABILITY & REHABILITATION

Lexington Clinic

YMCA of Central Kentucky

1221 S. Broadway Lexington, KY 40504 859-258-4000

IN HOME CARE (NON-MEDICAL) Accessible Home Care 366 Waller Ave. Ste. 112 Lexington, KY 40504 859-313-5167 www.accessiblebluegrass.com

Assisting Hands 1795 Alysheba Way, Ste. 7105 Lexington, KY 40509 859-264-0646 www.assistinghands.com/lexington

Senior Helpers of the Bluegrass 3070 Harrodsburg Rd. Ste. 240 Lexington, KY 40503 859-296-2525 www.seniorhelpers.com/lexington

Seniors Helping Seniors Where seniors who want to help are matched w/ seniors looking for help

710 E. Main Street Lexington, KY 40502 859-408-1145 www.seniorshelpingseniors.com/ lexington

IN HOME MEDICAL CARE Medi-Calls 1055 Wellington Way #215 Lexington, KY 40513 859-422-4369

Saint Joseph Home Health 2464 Fortune Dr. Ste. 110 Lexington, KY 40509 859-277-5111 www.saintjosephanchomecare.com

239 E. High St. Lexington, KY 40502 859-254-9622 ymcaofcentralky.org

Drayer Physical Therapy Institute: Winchester Center 160 Pedro Way 859-745-2152 www.drayerpt.com

Drayer Physical Therapy Institute: Richmond Center 1054 Center Drive, Ste. 1 859-625-0600 www.drayerpt.com

Drayer Physical Therapy Institute: Lexington Perimeter Center 600 Perimeter Drive, Ste. 175 859-268-1201 www.drayerpt.com

Drayer Physical Therapy Institute: Lexington Beaumont Center 1010 Monarch Street, Ste. 150 859-219-0211 www.drayerpt.com

MEDICAL EQUIPMENT, SUPPLIES & MONITORING SYSTEMS Baptist Health Lifeline 859-260-6217 www.centralbap.com

FINANCES & ESTATE PLANNING, TRUSTS/ WILLS, REVERSE MORTGAGE Attorney Walter C. Cox, Jr & Assoc. LLC 2333 Alexandria Dr. 859-514-6033 www.waltercoxlaw.com info@waltercoxlaw.com

LEGAL SERVICES Bluegrass Elder Law 120 North Mill Street, Ste 300 859-281-0048 www.bgelderlaw.com

Rose Mary C. Brooks Place 200 Rose Mary Dr. Winchester, KY 40391 859-745-4904 www.brooksplace.org

The Lafayette 690 Mason Headley Rd. 859-278-9080 www.lafayettelexington.com

Ashland Terrace 475 S. Ashland Ave. Lexington, KY 40502 859-266-2581 www.ashlandterrace.org

Hometown Manor Assisted Living Community

Mountain Waterfalls

Georgetown, Lawrenceburg, Shelbyville 859-229-5914 www.hometownmanor.com

Award-Winning Water Features 859-684-0642 www.mountainwaterfalls.net

St Andrews Retirement Community

HOME REPAIR & MAINTENANCE

SENIOR INDEPENDENT LIVING & RETIREMENT HOUSING Mayfair Village 3310 Tates Creek Rd. Lexington, KY 40502 859-266-2129 www.mayfairseniors.com

Windsor Gardens of Georgetown Assisted Living 100 Windsor Path Georgetown, KY 40324 502-570-0540 marsha@goodworksunlimited.com

ARE YOU DISABLED? HAVE YOU APPLIED FOR SOCIAL SECURITY DISABILITY? ARE YOU CAUGHT UP IN RED TAPE?

300 Stocker Dr. 859-625-1400 www.standrewsplace.org

Hometown Manor Assisted Living Communities 2141 Executive Drive, Lexington (859) 317-8439 www.hometownmanor.com

Morning Pointe Senior Living Residences 233 Ruccio Way, Lexington 40503 859-554-0060 Lexington East Facility 150 Shoreside Dr., Lexington 859-721-0350 The Lantern (Alzheimer’s Care) 225 Ruccio Way, Lexington 40503 859-309-4867 www.morningpointe.com

An experienced Social Security Claims Advocate can help you:

• By assisting you in filing your initial application. • Filling out and filing your appeals. • Gather medical and other important information to submit to Social Security. • Contact your doctors to obtain a report of your medical condition. • By obtaining documents from your Social Security file and review them. • By presenting opening and closing statements at your hearing that will state how you meet the Social Security listing of being disabled.

For a FREE CONSULTATION of your claim call Patsy R. Hughes, Disability Claims Advocate,

1-859-263-7780.

NO FEE IS PAID UNLESS YOU WIN

MORE LISTINGS ON PAGE 21

APPOINTMENTS AVAILABLE WITH FPA PROVIDERS AT BOTH LOCATIONS

Family Practice Associates of Lexington, P.S.C.

HAMBURG OFFICE

1775 ALYSHEBA WAY SUITE 201

SPRINGS OFFICE

2040 HARRODSBURG ROAD, SUITE 300 CHECK US OUT ON THE WEB

fpalex.com

859.278.5007

July/Aug 2017

SERVICE DIRECTORY, CONTINUED FROM PAGE 19 REAL ESTATE / RENT-SUBSIDIZED HOUSING FOR INDEPENDENT LIVING

Well Fed Meals

Turf Town Properties, Inc.

HEALTHCARE, MEDICARE HELP & INSURANCE

124 Kentucky Ave. Lexington, KY 40502 859-268-4663 www.turftown.com

Briarwood Apartments 1349 Centre Parkway Lexington, KY 40517 859-272-3421 glickco.com

MOVING, ESTATE SALES, DOWNSIZING SERVICES Caring Transitions 1411 Delaware Ave. 859-543-9848 www.CTLex.net

Lexington Life Services 859-797-8157 lexingtonlifeservices.com

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You Should Learn Hands-Only CPR Easy-to-learn procedure can potentially save a life by Charles Sebastian, Staff Writer

Performing cardiopulmonary resuscitation (CPR) has gotten simpler in recent years. Previously, people had to take a two- to four-hour class to receive certification. But now the rescue method can be learned in five minutes or less. It has been honed down to two major points: First, dial 911. Second, pump directly and firmly on the victim’s chest with both hands. This is known as hands-only CPR. Even doing something as simple as this until more help arrives can be the difference between life and death. Formerly, people were advised to clear the airway of the person to whom they were administering CPR, including using the fingers to scoop inside the person’s mouth, then holding his nose and blowing into the airway. Today CPR is much easier. The American Red Cross is probably the best-known organization supplying this life-saving information. The Web site for its training and videos can be found here: http:// www.redcross.org/images/ MEDIA_CustomProductCatalog/m6440194_HandsOnlyCPRsheet.pdf. Start by asking the person if he is OK. Check to see if he has stopped breathing. If there is no response, call 911 or have someone else do so while you begin administrating CPR. Place the heel of one hand on the center of the person’s chest. Place the heel of the other hand on top of the first hand and lace your fingers together. Keep your arms straight, positioning your shoulders directly over your hands. Push hard and fast – at least 2 inches deep 100 times per minute. Let the chest rise completely

before you push down again. Stopping the compressions gives the blood a greater chance to pool and cease circulating. Stop only if the person begins breathing again; if you are exhausted; or when another trained person or EMS arrives to take over. Dr. Scott Edminster, medical director of the Spokane Fire Department, says only about 10 percent of people will survive if they get shocked with an automated external defibrillators (AED) at eight minutes. “But if chest compressions are administered right when the person goes down, you can alter that death curve significantly,” he said. AEDs are becoming more prevalent in schools, churches and workplaces. They greatly increase a victim’s chances for survival. It’s important to note CPR alone does not necessarily get the heart going again after cardiac arrest, but it significantly improves the chances of the person responding to the AED. Time is the key issue with hands-only CPR and the use of an AED. If the resuscitation efforts go past 10 minutes, the chances of survival are greatly reduced.

Pump directly and firmly on the victim’s chest with both hands.

J U LY / A U G 2 0 1 7

LIVING INDEPENDENTLY IS EVEN BETTER WHEN YOU HAVE A LITTLE HELP.

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J U LY / A U G 2 0 1 7

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My personal care suite is like a small apartment. I can have more independence along with help if I need it. The staff is so pleasant and helpful, and we have a beautiful dining room where we get to enjoy delicious meals every day. We also have a lot of fun with various activities, and my family is included in events. It’s a big, happy family here at Cedar Ridge!” – Jean Roles, Cedar Ridge Personal Care Resident The Willows at Hamburg 859-543-0337 • 2531 Old Rosebud Road • Lexington, KY The Willows at Citation 859-277-0320 • 1376 Silver Springs Drive • Lexington, KY Cedar Ridge Health Campus 859-234-2702 • 1217 US Highway 62E • Cynthiana, KY The Willows at Harrodsburg 859-734-2953 • 464 Linden Avenue • Harrodsburg, KY trilogyhs.com •

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July/Aug 2017 Allowance.

Each partner should get an allowance each month for personal expenses. It may be the same amount for each person or different amounts based on each personâ&#x20AC;&#x2122;s monthly expenses. Make sure to discuss each amount with your partner and come to an agreement. It is also important to decide what the personal allowance will cover: going out with friends, clothes, lunches? Separate Funds.

Relationships:

Spenders vs. Savers Talk about finances before you tie the knot

As with everything, the key is balance. It is essential that you and your partner are able to balance your differences in financial beliefs. Be willing to compromise. Here are some ways to address money so you can discover what works best for you and your partner: Action Plan

by TaNiqua Ward, M.S., Staff Writer

One of the many things a couple should discuss before marriage is finances. Financial issues are among the top three leading causes of divorce in the United States, according to the Institute for Divorce Financial Analysts (www.institutedfa.com). It is important to know your partnerâ&#x20AC;&#x2122;s financial stance as you enter into a serious relationship and

definitely before getting married. Finances can make or break a relationship. Different spending habits, different financial goals and financial secrets should all be things you discuss with you partner so you can know whether you can see yourself dealing with those issues for an extended period. Different upbringings and different attitudes towards money also need to be addressed early on.

Have the saver manage the money and create a plan with some assistance from the spender. The saver should take full responsibility of accounts and review spending history. Set a plan for purchasing things that are more expensive and may take more time to save up for. Set expectations on the amount you want to have in various accounts and how you want to distribute money into the account.

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Find a way to keep funds such as checking and savings separate. You and your partner could also have separate accounts. You may choose to set up one checking account, one savings account and one fund from which to pay bills. They say opposites attract. You two can learn from one anotherâ&#x20AC;&#x2122;s money-handling habits. The spender might help the saver splurge every once in a while. The saver may help the spender develop more discipline and work toward a financial goal he or she wants to achieve. The most important thing is to find a system that works best for you and your partner. It will make for a happier relationship with less arguing and more time enjoying one another.

The most important thing is to find a system that works best for you and your partner.

July/Aug 2017

Reverse Mortgages Allow You to Live In and Still Own Your Home Could this option work for you? by Martha Evans Sparks, Staff Writer

How does a reverse mortgage differ from other mortgages? Why did one financial adviser call a reverse mortgage “an option of last resort”? Although private banks sometimes make reverse mortgages (often referred to as a home equity conversion mortgage, or HECM), these days most senior citizens apply for reverse mortgages through a government program administered through the Federal Housing Administration (FHA). Eligibility requirements include: • You must be at least 62 years old. • You must own and occupy your primary residence and have little or no mortgage obligation on it. • Your home is a single-family home, a condominium unit or other HUD-recognized dwelling unit. Trailer homes and co-ops are excluded. • Your home meets U.S. Department of Housing and Urban Development (HUD) standards. • You have already talked with

a reverse mortgage counselor regarding the program. The loan amount of a reverse mortgage is based on the age of the youngest borrower, interest rates and the lesser of the home’s appraised value or sale price and the maximum lending limit. The older the applicant and the greater the equity in the home, the greater the loan amount you can apply for. Even with the reverse mortgage in place, you still own the house and remain responsible for all upkeep, property taxes and insurance. One feature of reverse mortgages that appeals to many people is living in the house without a monthly mortgage payment. When your application is approved, the money can be paid out in different ways: through a lump sum, a line of credit, in monthly payments for as long as the applicant lives and occupies the home or various combinations of these. Remember, however, that with each payment you receive, your equity in the house goes down. Little or nothing may be left for you if you sell the house before you die. John R. Swaim, senior vice president and lending manager at First Southern National Bank, head-

quartered in Kentucky, says you cannot move to a nursing home or anywhere else and rent your house with a reverse mortgage in place. Reverse mortgages are nonrecourse loans. The full amount of the reverse mortgage, plus the interest, is due when the owner moves out of the house or dies. The house must be sold or refinanced then. Heirs are not personally liable if the payoff balance exceeds the home value when the property is sold. However, heirs do inherit the remaining home equity, if any, after paying off the reverse mortgage loan and interest. Loan origination fees and FHA mortgage insurance premiums are typically higher on reverse mortgages than ordinary mortgages. Interest rates may also be higher than other options. Social Security and Medicare eligibility are generally not affected by a reverse mortgage, but needs-

based government programs such as Medicaid may be affected. Swaim, who has been loaning money professionally for 40 years, says if you need money immediately, instead of applying for a reverse mortgage, consider selling your house and finding a place to rent. If your children really want to help you, they can buy your house from you while you continue to live there. “Before you enter into a reverse mortgage, I suggest you go to a banker you trust and tell the banker your situation,” Swaim said. “Is there a substitute solution that is less dire than a reverse mortgage? Chances are the banker can work out some other way to help you through a financial crisis.” For more information, visit http://www.reversemortgageadviser.com.

Before you enter into a reverse mortgage, I suggest you go to a banker you trust and tell the banker your situation. John R. Swaim, Senior VicePresident and Lending Manager at First Southern National Bank, headquartered in KY

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J U LY / A U G 2 0 1 7

Burial Costs Cover a Wide Spectrum Know the options available for memorializing a loved one

by Angela S. Hoover, Staff Writer

According to the National Funeral Directors and numerous other sources, the average cost of a traditional burial is presently $7,000 to $10,000. Traditional funeral services typically include embalming and dressing the body, renting the

funeral home, holding a viewing, transporting the body via a hearse to the funeral site and purchasing the casket, a cemetery plot or crypt and a headstone or tombstone. Direct burials involve a simple burial container, no viewing or visitation and no embalming, but a memorial service can still be held graveside. Funeral homes charge basic

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service fees. These include consultations, preparation and filing of permits, coordinating arrangements and third-party overhead costs. Fees vary among funeral service providers but average to $2,000, according to the National Funeral Directors Association. Body delivery costs $125 to $500, depending on the distance it must travel to the funeral home. Funeral homes charge a daily fee, ranging from $35 to $100, for storing a body, even if it is embalmed. Embalming came into popularity during the Civil War when bodies needed to be transported long distances. Embalming is not legally required and many environmentally conscious individuals are opting against it. Costs range from $225 to $1,200, according to the National Care Planning Council. Average cost to prepare the body for viewing and visitation is $200. The viewing can cost anywhere from $150 to $1,200. Funeral ceremony staff coordinate and supervise the funeral arrangements and assist with the ceremony for $500 to $800. Casket options range from cardboard ($50) to metal and fine wood. Funeral industry studies have found the average person buys one of the first three models shown, and their choice is generally mid range. Pine caskets are less expensive, but funeral homes rarely display them. The average cost of a casket is about $2,200.

Many cemeteries require caskets to be placed inside an outer container called a grave liner or burial vault. These rectangular boxes are made of concrete, metal or composite plastic. They are made to last forever and will preserve the cemetery’s lawn and grounds. A casket buried without a vault or liner will eventually deteriorate and collapse, resulting in uneven ground. This can tilt a headstone and dirty the interior of the casket. Average cost of a vault is $1,300. The average cost for a hearse or funeral coach and any other cars is $300. There are ways to cut funeral and burial costs: • Find a cemetery that doesn’t require burial vaults/liners. • Skip embalming. It’s more environmentally friendly. • Forgo a “gasket casket” – a protective layer that may prevent the elements from getting into a casket for a little while, but not forever. This layer costs funeral homes about $10 but can raise the price of a casket by $800, according to the Funeral Consumers Alliance. • Opt for cremation and choose an alternative container made of pressboard, cardboard or canvas. • Buy the casket or urn online or at a wholesale club. Urns at Costco start at $90 and caskets at Walmart start at $900. Check out selections at www.eeternity. com • Have the funeral services at home, a community center or church. • Funerals held during the week before 3 p.m. are the least expensive, but costs can double or triple after 3 p.m. and during the weekend. • If the body is to be cremated, turn the cremains into a plant or tree. The Bio Urn and Planting System is designed to grow a beautiful, enduring memory tree, plant or flowers with cremated remains (www.thelivingurn.com). Bio Urn offers the world’s first biodegradable urn (www.urnabios.com). • Donate the body to a science or medical school.

ELDER LAW

DISTINGUISHING

Asset Preservation Planning FROM Elder Financial Abuse

by Carolyn L Kenton and Amy E Dougherty, Bluegrass Elderlaw, PLLC

We, as elder law attorneys, are often asked to explain the differences between a legitimate asset preservation plan and elder financial abuse. The key factors to look for are the intent of the elder adult and the intent of the recipient, usually an adult child or children, who are involved in transfer of assets. Intent by legal definition means the exercise of intelligent will, the mind being fully aware of the nature of the consequences of the act which is about to be done. So we ask, is the elder transferor fully aware of the intended results of the gift? Did the elder participate fully and consciously in the plan for the transfer? Was the transfer permitted under a power of attorney document which authorizes gifts? Was the recipient of the gift a trusted and responsible adult whose stated intention is to use the gift for the benefit of the elder adult, should that become necessary? Is the gift retained in a segregated account to be available for return to the elder adult if the need arises? Is the gift part of an overall plan to protect the elder’s accumulated resources for her family’s future or to place the assets in a protected environment for future supplementation of the

elder’s life style? Was the gift part of it? Have the funds been spent on the family’s decision to protect asor for the benefit of the recipient sets of a mentally disabled person or of the funds? Has the elder been elder with dementia or their spouse? brought to the attorney’s office for a If these questions are answered in power of attorney “over” her? Does the affirmathis wouldtive, then we be power are talking of attorney EACH SITUATION about asset replace a longpreservation. standing agent MUST BE VIEWED On the established in other hand, another power AS UNIQUE AND THE have funds of attorney been convertdocument? FACTS OF THE CASE ed from the Is the gift of elder’s ownerassets out EXAMINED. ship for nefariof sync with ous reasons? the elder’s Financial previous abuse is the theft or embezzlement estate plan? Does the elder underof money or any other property stand that beneficiary or payable from an elder. Has the wealth been upon death designations on bank taken from the elder adult by intimi- or investment accounts circumvent dation or through persistent solicita- the provisions of her will? If these tions on the phone or in the mail? questions are answered in the affirDoes the recipient of the funds only mative, then it is likely that financial visit the elder when she is in need of abuse may have occurred. “just a little loan” from Mom? Is the Most elders still have decisional person receiving the funds a new capacity and the free will to gift friend or a caregiver? Does the elder assets unequally among their appear to be confused or directed intended beneficiaries and heirs. in her responses, especially when Just because an individual family attempting to manage her banking? member receives a larger gift than Has the money been transferred another does not necessarily mean with no protection of a segregated that elder abuse has occurred. Each account and no intention to retain situation must be viewed as unique it, in case the elder were to need and the facts of the case examined to

determine the intent of the gift. Families who may want to engage in asset preservation planning would be well advised to seek competent legal advice, preferably from an elder law attorney knowledgeable in federal Medicaid rules and the use of such planning tools. ABOUT THE AUTHOR:

Amy E. Dougherty has been with Bluegrass Elderlaw, PLLC since 2012. Amy focuses her practice on assisting older persons in qualifying for Medicaid long term care using Wills, Powers-of-Attorney, Advanced Directives, and Trusts. She also advocates for clients before Social Security, Medicare, and Medicaid agencies and defends against involuntary dismissal from long term care facilities. Previously, Amy practiced elder law for Legal Aid of the Bluegrass. She is a graduate of the University of Kentucky where she earned her B.A. (History) and J.D. Degrees. Amy is a member of the Fayette County Bar Association, the Kentucky Bar Association (Elder Law Section), the National Academy of Elder Law Attorneys, and the Academy of Special Needs Planners.

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July/Aug 2017

Infusion Therapy Administered When Oral Meds Are Ineffective VARIETY OF MEDICINES GIVEN INTRAVENOUSLY by Angela S. Hoover, Staff Writer

Infusion therapy involves administering medications intravenously by needle or catheter rather than orally. It is used when a patient’s condition is so severe that oral medications are not effective. Injections can also be delivered into muscles or epidural routes – the membranes surrounding the spinal cord. The medications can be antibiotics, antifungals, antivirals, chemotherapy, hydration, pain management and parenteral nutrition. Additionally, blood factors, corticosteroids, inotropic heart medications, growth hormones, immunoglobulin and other types of biologics can be given through infusion therapy.

Infusion therapy is often used for infections that are unresponsive to oral antibiotics, as well as for cancer and cancer-related pain. Patients with chronic pain, gastrointestinal diseases, congestive heart failure, Crohn’s disease, hemophilia, immune deficiencies, multiple sclerosis, rheumatoid arthritis and other ailments also benefit from infusion therapy. The most common type of infusion therapy is IV antibiotics for cellulitis, sepsis, osteomyelitis, urinary tract infections, pneumonia and sinusitis. Infusion therapy is generally done in the patient’s own home, reducing health-care costs. This also allows for minimal disruption of the patient’s day-to-day life. Infusion

therapy can also be delivered at outpatient infusion sites. Both at-home and outpatient infusion sites are called alternate-site infusion therapy because they are alternatives to an inpatient hospital delivery setting. Currently, alternate-site infusion therapy is estimated to cost about $9 billion to $11 billion a year in U.S. health care expenditures. More than 1,500 infusion pharmacy locations offer infusion therapy, according to the National Home Infusion Association (www.nhia.org). Nearly all commercial health plans consider home infusion therapy to be a medical service reimbursable under the insurance policy’s medical benefit, as opposed to a prescription drug benefit that is paid for using a per diem for clinical services, supplies and equipment with separate payments for the drugs and their delivery. Government health plans such as Medicaid, TRICARE and the Federal Employees Health Benefits Program also reimburse for home infusion therapy; however, in a few states, Medicaid has some gaps in the extent of coverage. Medicare’s

fee-for-service program – Parts A, B and D – is the only major health plan in the country that has not recognized home infusion therapy has a benefit. Therefore, most Medicare beneficiaries enrolled in the fee-forservice program cannot afford to receive infusion therapy at home because of the professional services, specialized equipment and supplies that are required for home infusion therapy. Although most infusion drugs are covered under Medicare Part D, the Centers for Medicare and Medicaid Services has decided it does not have the authority to cover these infusion-related services, equipment and supplies costs under Part D. This leads to many Medicare beneficiaries being denied access to home infusion therapy. They then must receive treatment in hospitals at a significantly higher costs to Medicare. There is some coverage under Medicare Part B for certain therapies administered using durable medical equipment, such as a mechanical or electronic external infusion pump.

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HEALTH & FITNESS

Modified Moves, Maximum Results WE’LL MEET YOU WHERE YOU ARE Across the country, a growing number of YMCAs offer Enhance®Fitness, an evidence-based group exercise program for older adults that uses simple, easy-to-learn movements that motivate individuals (particularly those with arthritis) to stay active throughout their life. OUR AIM: To help you feel better

Each class session includes cardiovascular, strength training, balance and flexibility exercises and fosters strong social relationships between participants. Enhance®Fitness is geared toward older adults with arthritis. Those with chronic conditions, such as arthritis, need not worry; they will never have to do anything that hurts. Participants can use chairs for

support, if necessary, and increase the weight they use for strength training at their own pace.

• Lots of opportunities for participants to make new friends and acquaintances

The class structure

The Enhance®Fitness program has been recommended by the U.S. Centers for Disease Control and Prevention as a program demonstrated to improve the quality of life for persons with arthritis and has also received recognition from the U.S. Department of Health and Human Services, the U.S. Administration on Aging and the National Council on Aging. The program is partially funded by the Centers for Disease Control and Prevention and the Kentucky Department of Public Health.

Enhance®Fitness is a 16-week program. In a typical 60-minute class, participants will experience: • A five-minute warm-up to get the blood flowing to the muscles • A 20-minute aerobics workout that gets participants moving, or a walking workout to lively music that the class chooses • A five-minute cool-down • A 20-minute strength training workout with soft ankle and wrist weights (Up to 20 pounds) • A 10-minute stretching workout to keep the muscles flexible • Balance exercises throughout the class

Benefits of the program include:

• More energy • Better balance • Improvements in upper and lower body strength • Better sleep • More happiness • Greater independence and • New friendships Many participants have seen reductions in their annual healthcare expenses of nearly $1,000 – all because they participated in a safe, comfortable, friendly exercise program! Ninetynine percent of Enhance®Fitness participants have recommended the program to a friend! If you’d like to register or learn more about the Enhance®Fitness program, visit ymca.net/ enhancefitness or contact one of the participating YMCA locations in Kentucky.

Find a Location Near You Barren County Family YMCA 1 YMCA Way Glasgow, KY 42141 270-651-9622 Limestone Family YMCA 1080 US 68 Maysville, KY 41056 606-564-6772 Owensboro Family YMCA 2920 Yale Place Owensboro, KY 42301 270-926-9622 ext. 8208 Paris-Bourbon County Family YMCA 917 Main Street Paris, KY 40361 859-987-1395 Pikeville Area Family YMCA 424 Bob Amos Drive Pikeville, KY 41501 606-433-9622 YMCA of Central Kentucky C.M. Gatton Beaumont YMCA 3251 Beaumont Centre Circle Lexington, KY 40513 859-367-7362 YMCA of Greater Cincinnati Campbell County YMCA 1437 S. Ft. Thomas Ave. Ft. Thomas, KY 41075 859-781-1814

J U LY / A U G 2 0 1 7

Laugh till you cry, live till you die.

Age Allows Comedy Can Be a Prescription for Retirement Wellness Age Allows is a column dedicated to the development of a creative lifestyle for older adults. It is designed to provide new ways of thinking about retirement, develop creative alternatives to living during advanced age and enrich the life experience for those in independent living, assisted living and nursing homes. It seeks to help older adults reexamine and enhance their lifestyles and increase their contributions to society. by Donald Hoffman, Staff Writer

Tears streamed down my cheeks. I could not stop laughing. I was watching a Jim Carey movie and yes, he was “beating himself up.” It wasn’t the first time I’ve laughed until I cried while watching a funny movie. Charlie Chaplin, Buster Keaton, Henny Youngman, George Carlin, Richard Pryor, Robin Williams and many more comedians have given me the gift of laughter. We laugh at ourselves, at others, at situations, at the way others interpret everyday life, at politicians with their solutions to problems of living. Situation comedies such as “I Love Lucy” made us laugh on

a weekly basis and standup comedians, observing humor in real life, make us laugh daily. Many people need to see and hear a more knockdown, roll-on-the-floor kind of humor before they give up and laugh. The pratfalls and visual comedy of Sid Caesar and Milton Berle made us laugh hysterically. Laughter is “feel good” medicine. Buoyancy returns to our step, our mood changes and happiness returns. Laughter often displaces a dark mood and can turn a non-productive period into a better day for older adults who often fall into depression. Some words I remember from an old song sung by Frank Sinatra describe my philosophy of life:

“Laugh till you cry, live till you die.” I figure if you don’t laugh at life, you will instead cry. Why don’t we provide older adults the experience of laughter and comedy? How can we “keep them laughing”? First, let’s get them laughing again. Why not bring Comedy Club comedians to a senior center or senior living situation? Many who do the comedy circuit are community minded and jump at the opportunity to donate their skills. Use them! Use the Internet to find programs, videos, humorous films or standup performances and begin a “Laugh Week” or even just a “Day of Laughter.” Design a class to explore the origins of comedy and its history. Offer a comedy-writing class or one on the psychology of laughter. Then host a showcase where senior comedians could do a karaoketype “laugh-in” for fellow residents with the material they write. Or better still, teach residents and others to laugh at themselves, their relationship to the environment and their personal situations. The writing, study and performance of comedy is but one aspect of the performing arts. If you were sitting in an audience watching a performance with not one member of the cast under the age of 85, all acting and moving in unison, you’d probably think you were dreaming. Well,

folks, older adults all over the country are involving themselves in theater, acting on stage and performing in musical reviews and musical comedies. They’re doing reader’s theater, storytelling, radio drama, playwriting and technical theater. It is no dream. It is a movement growing and diversifying, offering large numbers of senior adults hours of creative activity. Now creative senior adults can explore traditional theater as well as videography, animation, movement and music, historical drama and documentary. It is an explosion, a creative immersion unforeseen just a few years ago but now entirely possible for those with advanced skills or novices new to creative theater. The senior adults I know want opportunities to laugh and be individually creative. They’re searching for satisfaction through many venues because they want to advance society and institutions in positive ways. Why don’t you? ABOUT THE AUTHOR:

Don Hoffman is the former director of the Donovan Scholars/ Council on Aging at the University of Kentucky and author of Arts for Older Adults: An Enhancement of Life.

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