Living Well 60+ July/August 2020

A RESOURCE GUIDE FOR YOUR GENERATION JULY / AUG 2020 VOL. 16 ISSUE 3

ENTERTAINMENT • HEALTH • BARGAINS • LIFESTYLE

Money Tips YOU CAN AVOID

GOING BROKE IN RETIREMENT

ALSO INSIDE Try Croquet in Your Sharing Care is Back Yard Only Fair

The “New Normal”

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Contents

Living Well 60+ is a proud product of

July/August 2020 Brian Lord / Publisher David Bryan Blondell /

5

Croquet: Many people around the world enjoy popular game

8

Living Frugally: You can avoid going broke in retirement

11 ELDER LAW: The “New Normal”

Anastassia Zikkos / Sales Representative

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Purple Patch Innovations

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.

16 EVENTS CALENDAR 18 SENIOR SERVICES DIRECTORY 22 Winning the Credit Card Game 24 PET HEALTH

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27 Sharing the Care is Only Fair

Dear Friends, It’s looking like it’s going to be a bummer of a summer. As we are still in the throes of COVID-19, travel is curtailed, meetings have been postponed and life seems to be permanently on hold. Did you ever imagine yourself Living Well 60 Plus through a

Barry Lord / Sales Representative

Janet Roy / Graphic Designer

14 Saving for a Rainy Day: Put your money away just in case

EDITOR

Jennifer Lord / Customer Relations Specialist

Kim Wade / Sales Representative

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

FROM THE

Golf & Special Sections Director

e-mail brian@rockpointpublishing.com

Tanya J. Tyler, Editor | Share your story: tanyaj@twc.com

pandemic? I am inclined to believe in the resiliency and fortitude and strength of those of us who have made it to this milestone age. We have endured so many things in the past that tried to break us: war, civil unrest, disease. And yet here we still are, still going forward with tenacity and

© Copyright LIVING WELL 60+ Magazine 2020.

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.

fierceness – not ready to give up yet! Thanks for the stellar example you set for everyone around us. Please be sure to wear your mask and remember – this, too, shall pass!

Live Life Like You Mean It,

Tanya

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July/August 2020

FIND A HOBBY

MANY PEOPLE AROUND THE WORLD ENJOY POPULAR GAME Try it in your back yard with

2-4 players

by Harleena Singh, Staff Writer In croquet, players use a mallet to hit wooden or plastic balls through hoops or wickets embedded in a grass playing court. People of both genders and all ages play croquet. Many Americans, adults and children alike, play nine-wicket croquet in public parks and back yards across the United States. Six-wicket croquet, a complex sport

played at croquet clubs all over the world, requires only four balls and two to four adult players.

In the United States, three forms of croquet are played: International Association croquet; American six-wicket croquet; and American nine-wicket croquet. All three forms use the same equipment and lawn, but nine-wicket CROQUET Continued on Page 6

5

6

July/August 2020 CROQUET continued from Page 5

NEW PLAYER TIPS

1 2 3 4

Find a natural, comfortable grip.

Research the correct grip and posture.

Swing the mallet in a pendulum motion.

Avoid swinging from your wrists.

Keep your head down while swinging.

You may spoil the shot if you raise your head too early.

Don’t lean too far forward.

Position your feet so the mallet can be drawn back without striking your ankle or foot.

croquet has nine hoops or wickets and two pegs or stakes.

A simplified version of Association croquet is golf croquet, which is also played in many countries. National Croquet Day is celebrated June 5 in the United Kingdom.

Almost anyone can play croquet, including those in wheelchairs and those who use walkers. Croquet has therapeutic benefits for people with dementia. It gives participants the benefits of social engagement, cognitive stimulation and physical exercise while having a good time.

James Creasey founded Jiminy Wicket, a Colorado-based nonprofit that introduces the game to Alzheimer’s patients in longterm care facilities and senior centers. According to Creasey, croquet is the ideal sport for people suffering from dementia.

The four balls are easy to identify because they are different colors. The grass on a croquet lawn is flat so the ball goes in a straight line and leaning on the mallet helps with balance.

Moreover, croquet is low cost and intergenerational.

“For me, the social factor is a huge part of my attraction to the game,” said Tom Teater, who regularly plays in the annual Henry Clay Croquet Tournament at Ashland, the Henry Clay Estate in Lexington. “The slower pace of croquet really allows players the opportunity to talk and enjoy the company of friends. I enjoy the competitive aspects of the game. The size of your opponent doesn’t matter on the course; it is all about skill and commitment to practice time.”

But even as he competes, Teater experiences a Zenlike calm.

“I find croquet to be very relaxing,” he said. “It is one of the few times I find myself totally relaxed, playing with friends and being outdoors on a beautiful summer afternoon.”

About the Author:

Harleena Singh is a professional 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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ALMOST ANYONE CAN PLAY CROQUET, INCLUDING THOSE IN WHEELCHAIRS AND THOSE WHO USE WALKERS.

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July/August 2020

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FINANCIAL

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 homerelated 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 thinking 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.

FINANCIAL Continued on Page 10

Are you between the age of 45-75?

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FINANCIAL continued from Page 9

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 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.

References:

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

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July/August 2020

11

ELDER LAW

The

New Normal COVID-19 HAS CHANGED EVERYDAY LIVES ACROSS THE GLOBE

by Bluegrass ElderLaw LLC

As elder law attorneys, our clients are severely impacted and directly at risk. We continue to find creative ways to address the needs of our clients in the short term, while implementing policies and procedures to serve our clients in the long term.

ensure our clients receive the legal assistance they need.

The hard-working caregivers and medical personnel have made great sacrifices and we want to thank all those dedicated people on the front lines who are helping protect our most vulnerable and the families that support them.

Technology

Long-term care

It has been very difficult for families over the past few months with the restricted access to hospitals, nursing homes, and other long-term care facilities.

It has been difficult for elder law attorneys as well. We are utilizing our contacts within those facilities, and technology, and sometimes even snail mail to

Whether it is Zoom or FaceTime, the way we interact with others has changed. It may not ever go back to the way it was. We have enjoyed helping our clients learn new technology. We are thrilled to reach those that otherwise would not have been able to receive legal services during the

pandemic. Covid-19 forced us to use technology. And now we plan to continue. Technology enables us to serve clients in communities a great distance from us and clients in medical facility settings. Our clients no longer have to travel for us to interact with them on such a personal level. Thank goodness for video screens!

Social Distancing

Because the elderly are at high risk for COVID-19 and other infection diseases, social distancing and the use of face masks or shields are incredibly important. While senior living facilities are beginning

to lift visitation restrictions, we must continue to be vigilant.

From phone calls, to video chats, to endless personal protective equipment, we are committed to provide safe legal services.

We wipe all relevant surfaces between clients, we seat lawyers and clients at a social distance, and we wear face coverings.

It is everyone’s hope that social distancing is temporary. For now, we will continue to waive and chat from a distance but look forward to resuming handshakes and hugs.

Let us know how we may assist you and your family.

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RELATIONSHIPS

Spenders vs. Savers TALK ABOUT FINANCES BEFORE YOU TIE THE KNOT

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 partner’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.

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.

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.

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

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July/August 2020

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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 person’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.

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 another’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.

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Everyone should commit to saving even a small

amount monthly.

Saving for a Rainy Day PUT YOUR MONEY AWAY JUST IN CASE 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.

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by Jean Jeffers, Staff Writer

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:

www.livingwell60plus.com |

1. Predictable rain: car insurance, property tax, car registration, expenses you know are coming and how much they are.

2. 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.

July/August 2020

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• 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.

Source: www.bankrate.com

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CALEND EVENTS JULY–AUGUST

COVID-19 NOTICE:

In an effort to contain the COVID-19 outbreak, many events have been canceled or delayed. Check online with event hosts for the most up-to-date information.

Sundays

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 non-profit organization operating

since 1981, The Yoga Health & Therapy

Mon, Wed, Fri

Free Activities for Seniors at the Charles Young Center Senior Programs Open MWF

from 9-1pm, free activities for seniors including, Bodies in Balance (Fall prevention/fitness classes), Line

Dancing, Indoor Pickleball, Technology 101 and other social, educational and recreational activities.

Contact Katherine at 859-246-

0281 or kdailey@lexingtonky.gov

4th Monday

at noon. Evening meetings held on 1st Wednesday 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 www.parkinsonslexington.com for

details and other free events held by LAPSG.

Tuesdays

Community Yoga Class with Lauren Higdon

Free private parking is provided for

Lexington Area Parkinson’s Support Group

fees and scheduled dates and times,

groups for people with PD and their

restorative class integrates gentle

info@yogahealthcenter.org

held the 4th Monday of each month

and wellness tips for all ages and

Center is located at 322 W. 2nd St.

Every Tuesday 10:30am–11:30am at

Centered Studio, 309 N. Ashland Ave.

most classes. For more information on

Free daytime and evening discussion

Suite 180 in Lexington. This weekly

call us at 859-254-9529, or email us at

care partners. Daytime meetings

yoga, breathing techniques, meditation

FOR RUNNERS: Our sister magazine, Health&Wellness, lists running events

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July/August 2020

HAVE AN EVENT TO PUBLISH? E-mail your event information to brian@rockpointpublishing.com

Saturdays

Lexington Farmer’s Market Every Saturday (April – October, 7am-2pm)

DAR

downtown Lexington, 241 West Main Street, visit the Lexington Farmers’ Market! Browse herbs

and spices, honey, beeswax, candles, body care products, organic products, eggs, meats and fresh, seasonal produce.

COVID-19 UPDATE: MARKET IS OPEN; PLEASE

PRACTICE SOCIAL DISTANCING. For details,

please visit www.lexingtonfarmersmarket.com.

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.

1st Tuesday

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.

Mon & Wed

Weekly

Class by Shayne Wigglesworth.

Triple Crown Chiropractic and

MELT Method Hand, Foot and Body Healing

Mondays and Wednesdays at

12pm - Discover pain-free 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 or go online: www. centeredlex.com 859-721-1841.

Free Class: ‘How to Stay Young’

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!

online. Visit healthandwellnessmagazine.net/race-calendar.html and lace up!

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Senior Services DIRECTORY

Category Key

Does your business provide excellent senior services?

County Offices & Meal Programs call us for a spot Health Care Systems & Hospitals in the directory 859.368.0778 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

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 – so many that beginning a search to fit your need can seem like a daunting task.

That’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.

Medical Equipment, Supplies & Monitoring Systems Finances & Estate Planning, Trusts/Wills, Reverse Mortgage 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 Entertainment

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HEALTH CARE SYSTEMS & HOSPITALS Lexington Clinic

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

IN HOME CARE (NON-MEDICAL) Accessible Home Care

3150 Custer Drive, Suite 303 Lexington, KY 40517 859-313-5167 www.accessiblebluegrass.com

Alliance Medical & Home Care 3716 Willow Ridge Road Lexington, KY 40514 859-296-9525 www.alliancelexington.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

www.livingwell60plus.com |

DISABILITY & REHABILITATION

YMCA of Central Kentucky 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

July/August 2020

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

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

The Lafayette

600 Perimeter Drive, Ste. 175 859-268-1201 www.drayerpt.com

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

Drayer Physical Therapy Institute: Lexington Beaumont Center

Ashland Terrace

1010 Monarch Street, Ste. 150 859-219-0211 www.drayerpt.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

HOME REPAIR & MAINTENANCE

Mountain Waterfalls

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

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

Hometown Manor Assisted Living Community Georgetown, Lawrenceburg, Shelbyville 859-229-5914 www.hometownmanor.com

St Andrews Retirement Community 300 Stocker Dr. 859-625-1400 www.standrewsplace.org

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

MORE LISTINGS ON PAGE 21

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July/August 2020 | www.livingwell60plus.com |

To advertise call 859.368.0778 or email brian@rockpointpublishing.com

Senior Services DIRECTORY ...CONTINUED

Morning Pointe Senior Living Residences

233 Ruccio Way, Lexington, KY 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

Liberty Ridge Senior Living Community 701 Liberty Ridge Lane 859-543-9449 www.libertyridge.com

Senior Helpers of the Bluegrass

3070 Harrodsburg Rd., Ste. 240 Lexington, KY 40503 859-296-2525 seniorhelpers.com/lexington

REAL ESTATE / RENT-SUBSIDIZED HOUSING FOR INDEPENDENT LIVING Turf Town Properties, Inc. 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

Home Care by Seniors for Seniors

Caring Transitions 1411 Delaware Ave. 859-543-9848 www.CTLex.net

Lexington Life Services 859-797-8157 lexingtonlifeservices.com

Hall’s Moving Service, Inc. SENIORS SAVE 5% 258 E. 2nd Street, Lexington 859-231-0428

FITNESS, HEALTHY EATING & HEALTHY LIVING

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here’s a huge difference in the kind of home care you can receive from someone who really understands your life as a senior. Our caring, compassionate seniors are there to help. We offer the services you need to stay in your home, living independently. Call us today!

Companionship | Light Housekeeping | Meal Preparation | Transportation

859.408.1145

Yoga Health & Therapy Center

322 West Second St. Lexington, KY 40507 859-254-9529 www.yogahealthcenter.org

KY 500239

www.seniorshelpingseniors.com/lexington

If you are interested in becoming a service provider we would like to hear from you too. ©2018 Seniors Helping Seniors. Each office is independently owned and operated. All trademarks are registered trademarks of Corporate Mutual Resource Inc. Not all services are available in all areas.

Well Fed Meals

1301 Winchester Rd. #17 Lexington, KY 40505 859-539-5863 www.wellfedmeals.com

TRANSPORTATION, PERSONAL SHOPPING, ERRANDS

HEALTHCARE, MEDICARE HELP & INSURANCE

4734 Rockford Plaza Louisville, KY 40216 1-800-458-8267 www.superiorvan.com

Kentucky Health Solutions

2365 Harrodsburg Road Suite B235 Lexington, KY 40504 Direct: 859-312-9646 Office: 859-309-5033 kyhealthsolutions.com

REAL ESTATE

VISION CARE

1099 Duval Street Lexington, KY 40515 859-338-6099 TheJusticeGroup.rhr.com

3288 Eagle View Ln. Suite 300 Lexington, KY 859-278-9486 www.medicalvision.com

The Justice Group at Rector Hayden Realtors

Like getting a little help from your friends®

Medical Vision

Superior Van & Mobility

Let Us Do That, LLC 859-219-9207 www.LetUsDoThat.com info@LetUsDoThat.com

Alliance Medical & Home Care

3716 Willow Ridge Road Lexington, KY 40514 859-296-9525 www.alliancelexington.com

Does your business provide excellent senior services? call us for a spot in the directory

859.368.0778

ENTERTAINMENT Radio Eye

1733 Russell Cave Road, Lexington, KY 40517 info@radioeye.org 859-422-6390 or 800-238-5193 ext 5.

22

July/August 2020

Winning the

Credit Card Game One of the most critical pieces of advice is this: Pay your balance off monthly.

by Doris Settles, Staff Writer

Games come with rules and well-thoughtout strategies that put you in the winner’s circle. Using credit cards wisely and safely is like playing a game that some win and others lose. Here are some strategies that, if followed carefully, can help you be a winner.

Snazzy advertising, amazing promises and glitzy card designs lure us into signing on the dotted line. But before you do that, read the fine print … ALL the fine print. These are just a few of the fines that may be hiding in “fine print”:

July/August 2020

• On some cards, one late payment can raise an introductory rate of 1.9 percent to a 35-percent default rate.

• A hefty fee normally awaits those who go over their contracted limit.

• Spending over your limit can also cause your interest rate to skyrocket.

• Late fees have increased in recent years from $5 to $10 to an average of $30.81.

• You may be charged a fee for making a payment over the telephone.

• Some companies insist that it takes 48 hours or more to process your payment, which (even if it arrives on the due date) can earn them additional interest and possible late-payment fees.

One of the most critical pieces of advice is this: Pay your balance off monthly. A $2,000 Visa balance with an interest rate of 18 percent would take nearly 30 years to pay off when making a 2-percent minimum monthly payment. The interest accrual would be $5,000. Even if you up that to a 4-percent minimum payment, you wouldn’t be paid in full for 10 years with an interest accrual of $1,100. It’s costly to make minimum payments.

If you charge everyday items without thinking about it or charge items you really cannot afford, it’s easy to see your balance quickly go beyond your ability to pay it off each month. If you can’t keep the balance within reach of paying it off each month, use cash or debit cards for most purposes. Use credit cards sparingly as a credit-score builder.

Know how obtaining a new credit card or cancelling a card will impact your credit score. Don’t cancel a long-standing card in favor of a new one if you only have one card; your score may tank. You might keep the card open but switch to using the new one. A good rule of thumb for building long-term credit is to keep your spending within 30 percent of your credit limit; your score is calculated on your debt-to-credit ratio so keeping it low builds your score.

If your purchasing decisions go awry – if you bought items you badly wanted, rather than really needed – and you have a balance you cannot pay off, there are several strategies to keep your credit strong and save money. New purchases added to an existing balance accrue more interest. So charge new things on a “clean” card – one without a balance – and keep it paid off. Pay as much as you can until the card with a balance is paid off. Meanwhile, renegotiate your interest rate, especially if you are receiving offers lower than you currently pay.

The information listed on your credit report doesn’t just affect the number of credit cards you can carry. It can also play a part in where you live, who will hire you and what you’re required to pay in order to receive household services such as telephone, gas and electricity. Be aware that the information in your credit file can sometimes be misleading or incorrect. It can sometimes even belong to someone else.

According to the Fair Trade Commission, people generally do not become aware of identity theft until about 14 months after the crime has occurred.

Meanwhile, debts are accruing in your name and damaging your credit history.

Fortunately, a number of new laws protect your rights as a credit consumer. By becoming familiar with these rights and using them, you can take control of your own financial future.

Here are seven ways to manage your personal information wisely and minimize the risks of identity theft: Before you reveal any personal information such as your Social Security number or PIN, find out whether it will be shared with other institutions or organizations.

Pay attention to billing cycles; contact the creditor if a bill is late.

Guard your mail by depositing outgoing mail in a post office collection box or at your local post office. Do not leave mail in your mailbox overnight.

Look for Internet security emblems such as VeriSign© before giving out information online.

Protect personal information in your home. Shred charge receipts, credit offers, insurance forms, discarded checks and financial statements.

Guard your Social Security Number, and leave the card in a safe place at home.

Order your credit report from the three bureaus every year and scrutinize it.

1 2 3 4 5 6 7

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23

SPONSORED BY UPTOWN HOUNDS 466 Angliana Avenue | Lexington, KY 40508 859-255-2275 | www.UptownHounds.com

pet health

Looking for the best pet care options for the health and wellness of your 4-Legged friends? Then welcome to our “Pet Health” Section, where we will bring you the finest businesses in Central Kentucky that will tend to the care and well-being of our furry loved ones.

In this issue we feature “Uptown Hounds,” an upscale pet resort in downtown Lexington that will pamper your pooch in the way he or she deserves, as well as all the good things that are happening at the Lexington Humane Society.

ANIMALS FIND SECOND CHANCES

T

AT LEXINGTON HUMANE SOCIETY

he life-saving work the Lexington Humane Society (LHS) provides is accomplished by our community’s desire to give animals another chance at a healthy and happy forever.

Every program LHS has in place guides animals in their journey to adoption day. The Second Chances program was developed as a way to provide extraordinary treatment for animals in need of special medical intervention that would otherwise prevent them from thriving.

Second Chances funding assists with inten-

sive surgeries, diagnostic work, equine rescue, prescriptions, formula for foster care and special food – resources that many animals in need would typically not receive. Having an on-site veterinarian and in-house pharmacy allows us to stretch our dollars further, in turn helping a greater number of special-needs animals each year. Typically, an amputation surgery would cost at least $800.

However, we are able to perform the same surgery on-site for approximately $250. Bladder surgery normally costs up to $3,000, yet our cost is only

$1,000. The average amount spent on each Second Chances animal is approximately $1,000.

We are reminded, now more than ever, that we must lean on each other for support. Even during these unprecedented times, we are sure our community will continue to rise to the occasion when there are animals in need. Every dollar counts when providing life-saving care to animals waiting to meet their forever families. They need us. We need you. Donate today to give an animal their second chance.

pet health by Uptown Hounds 25

SUMMER MEANS G” IN P P O H S P O T -S E “ON S AT UPTOWN HOUND

By David Bryan Blondell, Special Sections Dir.

A

s a pet owner, are you tired of dragging around your beloved pooch to two, three, or four different places for the services & products your dog needs? Then make your summer more restful by eliminating all those extra trips: give Uptown Hounds a try for the “One-Stop Shopping” of Grooming, Daycare, Boarding, Food, Gifts and numerous Playtime options!

America’s Uptown Hounds Luxury Resorts was created as an all-inclusive, high-quality, highenergy environment where your four-legged family member can play, primp, relax and stay.

And let’s face it — you AND your pooch deserve the best single place available when it comes to providing them everything they need.

Conveniently located in downtown Lexington near office buildings, the University of Kentucky campus and all of the downtown hospitals and healthcare facilities, Uptown Hounds’ guests — pets and their owners — have a multitude of luxurious amenities to enjoy.

Uptown Hounds features large, plush hotel suites for short- and long-term boarding, private daycare rooms, a top-notch grooming Salon & Spa and a boutique with the finest of toys, treats, food and pet-related merchandise. In addition, extremely large heated indoor and manicured outdoor play areas provide your pooch the most fun and friendly environment possible. Moreover, the beautiful marble floors and walls and the upscale fixtures that are part of the facility’s luxurious decor simply reflect the upscale treatment your four-legged member of royalty deserves.

UPTOWN Continued on Page 26

Enjoy “ONE-STOP SHOPPING” at Uptown Hounds!

www.UptownHounds.com

26 pet health by Uptown Hounds

July Dog Days of Summer

EVENTS PRESENTED BY

with Oscar Diggs

Dog Days of Summer are Here! We are thrilled to partner with Oscar Diggs during the month of July for the Dog Days of Summer. Stop

by Oscar Diggs located in downtown Lexington and enjoy an animal-themed cocktail and a meal for your pooch on the patio.

A portion of sales from the cocktail and pup meals will benefit the homeless animals at the Lexington Humane Society.

Visit AdoptLove.net for more information.

Join the Lexington Humane Society for a virtual version of our annual Critter Camp. Kids will learn about kindness and compassion, animal advocacy, and responsible pet care through a mixture of online and offline activities at home. The best part is you will receive a take-home camp kit delivered directly to your house by an adoptable animal! Ready for some “furtual” fun?

Visit AdoptLove.net to register!

UPTOWN continued from Page 25

SHEABELPETS.COM • 859.320.0274 2568 Richmond Rd, Lexington, KY 40509

In addition to Uptown Hounds’ weekly daycare services, a special new weekend daycare schedule is now available: Saturday and Sunday from 8 a.m. to 5:30 p.m.!

Also inquire about the “Daycare Referral Bonus.”

The Daycare Services at Uptown Hounds are considered second to none, with newly expanded weekday hours of 6:30 a.m. to 7:30 p.m. Monday through Friday to make it more convenient for working owners. In addition, there are new weekend daycare hours: Saturday and Sunday from 8 a.m. to 5:30 p.m. Once there, the friendly Pet Services Staff makes sure your dog is well-cared for and is having a happy, fun stay with up to three play-time sessions with its new-found friends (grouped by weight and activity level).

Individual playtime and extra attention is also offered, as is supervised usage of the popular 30-foot-by-50-foot outdoor pool during its seasonal operation.

Which brings us now to summertime, the most anticipated time of the year for owners and pets alike: the opening of the oversized doggie-only pool!

Fondly referred to as the “Cool Pool,” this very popular and in-demand venue provides hours of fun for Uptown Hounds’ clients (and guests; dog vaccines required) to bring and watch their dogs romp and stomp and have the best time of their lives! Towels and lifejackets are available; the staff will provide supervision for pool use during daycare or boarding visits. For further enjoyment, poolside chairs

and tables with large umbrellas surround the pool, giving shade and a comfortable place to rest for owners and swimmers alike.

Summer is here, and “One-Stop Shopping” is a reality that will fulfill your pet’s needs at Uptown Hounds. They recognize the proper, professional care of your pets is among the most important considerations you have — and for anyone wanting to give as much love and special care to your dogs as they give you, this summer please give America’s Uptown Hounds Luxury Resorts a try.

Please visit their website at www.UptownHounds.com or call Guest Services at (859) 2552275. A new texting service is now available as well — text any questions or boarding requests to (859) 255-2275. Uptown Hounds is conveniently located just off South Broadway at 466 Angliana Avenue, just a half mile from downtown and a block from The Red Mile. They invite you to a quick tour of the facility and look forward to welcoming you and your dog as a part of the Uptown Hounds family!

Note: As the conditions surrounding the pandemic and its restrictions change, please call Uptown Hounds or visit their Website to verify what services are currently being offered or affected.

To advertise call 859.368.0778 or email brian@rockpointpublishing.com |

www.livingwell60plus.com |

July/August 2020

Sharing the Care is Only Fair

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.

CARE Continued on Page 28

27

28

July/August 2020 | www.livingwell60plus.com |

To advertise call 859.368.0778 or email brian@rockpointpublishing.com

Ask what kind of help the caregiver could use most.

CARE continued from Page 27

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 the group.

• 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

July/August 2020

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.

29

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