Monday, July 30, 2012
LookingForward
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With informative features on finance, health and wellness, retirement living and more!
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Planning for Life After 50
2 | Looking Forward | Monday, July 30, 2012
Monday, July 30, 2012 | Looking Forward | 3
How baby boomers can keep eyes healthy with their ‘internal sunglasses’
(ARA) - Independence and aging well is something we all hope for as we grow older, but things like healthy vision are often taken for granted until they are lost or impaired. Baby boomers - those born between 1946 and 1964, represent a rapidly aging population unprecedented in the history of this country. Unfortunately, this group is susceptible to a host of vision risks. Most people are familiar with UV or ultraviolet light and many wear sunglasses and sunscreen to protect their eyes and skin. UV falls in the spectrum of invisible light and is potentially damaging to the front of the eye, or the cornea and lens, i.e. cataract. But, what about blue light? How does this “other” light affect the back of the eye and what can you do to protect your vision? Blue light waves are visible to the eye and on a different or longer range of the light spectrum than UV; blue light waves are all around us and can damage the photoreceptors (rods and cones) in the retina in the back of the eye. The eye’s natural protective filter, macular pigment, acts like internal sunglasses to block harmful blue light before it reaches the photoreceptors. However, if your macular pigment density is thin (a reality for most), your photoreceptors are at a greater risk of being damaged by blue light. So, what’s the big deal if you lose some of your rods or cones? Well, photoreceptors don’t regenerate and each person has a finite number of them. The other potential
problem is that low macular pigment is a key risk for Age-Related Macular Degeneration (AMD), which destroys central vision, and is the leading cause of vision loss in people over age 50, according to the American Optometric Association. Science indicates that damage from blue light exposure is a significant contributing factor to AMD, and if you make a fist and hold it between your eyes, you’ll see what vision loss from AMD can look like. Leaves on a tree are protected from damaging light by carotenoids including zeaxanthin (zee-uh-zan-thin) and lutein, which are seen as leaves change colors. An apple’s skin also provides protection, however when the apple is sliced open, the inside eventually turns brown - a process known as oxidation. Oxidative stress also occurs in our eyes and carotenoids like zeaxanthin and lutein help protect our vision. Macular pigment is comprised of two dietary carotenoids: zeaxanthin and lutein, which protect the photoreceptors that are responsible for vision. Low macular pigment density is also a key risk factor for AMD, and the macular pigments have also been demonstrated to enhance visual performance in sports, night driving, reduce sensitivity to bright light, and improve vision in low light situations. Our bodies cannot synthesize or make zeaxanthin or lutein, as they must be obtained from our diet. Too many Americans are not consuming enough and their vision can be adversely
affected or even endangered. A diet rich in dark green leafy and brightly colored fruits and vegetables can increase macular pigment density, however most Americans consume less than 25 percent of the recommended quantity of these sources. Zeaxanthin, in particular, is very difficult to obtain in one’s daily diet; you’d have to eat 20 ears of corn to equal the recommended daily amount of 8 milligrams of dietary zeaxanthin. Many eye care professionals recommend eye vitamins to help replenish what your eyes need most. As blue light-induced damage accumulates over a lifetime, by the time you are in your 40s and 50s, you are at an increased risk for AMD, vision impairment, and decreased visual performance. Visit your eye care professional and ask about having your MPOD (Macular Pigment Optical Density) measured - it’s simple, affordable and takes only a few minutes. If you do not eat the recommended five to nine servings of fruits and vegetables each day, consume a highquality eye vitamin like EyePromise that is doctor recommended, all natural and has an unconditional money-back guarantee. Vision becomes even more precious as we age with loss of independence a very real threat to aging Americans. Reduce your risk of the harmful effects of blue light to your vision by increasing the density of your “internal sunglasses.”
4 | Looking Forward | Monday, July 30, 2012
Parents, grandparents, kids and more:
Tips for Traveling with extended family
(ARA) - Family travel, also referred to as multigenerational travel, is a growing trend not likely to slow any time soon, with more and more people considering the benefits of traveling with extended family. If the idea of taking a trip with your family children, parents, grandparents or more - appeals to you, here are some tips that will help ensure your vacation is one everyone in the family will enjoy. Forty percent of U.S. leisure travelers - 20.8 million people - had taken a multigenerational trip in the previous 12 months, according to a 2011 Preferred Hotel Group study. This year the numbers could grow even more. To plan the best multigenerational trip, possible, follow these insider tips:
Tip 1: Make planning a group activity
The most successful multigenerational vacations are when all family members are involved in choosing the destination. It will take some research to find the right locale for your vacation, and brainstorming with the entire group, young and old, to get ideas of where to go is a wise way to start your travel adventure. Do more people want a secluded trip with outdoor activity options, or does your family lean more toward travel to a big city with lots of shopping and museum visits? If everyone has a say in what type of vacation they enjoy up front, it's easier to narrow down destinations that will make everyone happy.
Tip 2: Find group accommodations
entertain both young and old, so be sure to seek variety. Access local travel resources and online travel reviews to find destinations that are a good match for your group. You might even be able to schedule some activities in advance to reduce stress once you have arrived.
While getting separate hotel rooms can work for multigenerational travel, having a large suite or private residence where the entire group can reside provides a more unified travel experience. The key is to find a place that is comfortable for all and provides many of the conveniences of home, but still feels like a grand escape. An extra consideration: Look for accommodations with a full kitchen so your family can cook and eat meals together as desired. Starting the day with a full family breakfast or ending it with fresh baked cookies and milk can be a bonding experience in itself.
Guests of the Sandhill cabin, for example, have access to renowned golf at Whistling Straits and Blackwolf Run, home of the 2012 US Women's Open. Both kids and adults enjoy top-notch golf lessons at Kohler Golf Academy. While group activities are plentiful, there are also many options for alone time too - while Dad and Grandpa hit the greens, Mom and Grandma can head to the Kohler Waters Spa and the kids can head to Kamp Kohler, a four-hour camp full of fun activities including crafts and swimming.
Many resorts have accommodations appropriate for groups, such as the Inn on Woodlake or The American Club Resort in Kohler, Wis. The resort recently opened a nearby private cabin, Sandhill, nestled on 350 acres in the wilderness near the western shores of Lake Michigan and approximately an hour north of Milwaukee. The cabin is close enough so groups can enjoy the amenities of the resort, yet far enough away to feel like a private retreat. This charming, yet rustic, private cabin sleeps six comfortably and has a full kitchen and an attached sauna and poker shack with fireplace.
Tip 4: Adopt the multigenerational mindset
Traveling with a group of different aged people brings with it a unique set of variables. It's important to remain flexible and set a comfortable pace. There are always traveling snafus, such as uncooperative weather or the kids losing their luggage, but remember to relax and deal with any bumps in the road as they arise. Sometimes overcoming these obstacles can make for the best family memories because you must figure out solutions together and spontaneous activities are often the experiences that are most cherished.
Tip 3: Research activities
When you're narrowing down where you'd like to take your multigenerational vacation, consider the activities that are available. You'll want options to
WHERE TO? Looking to get away in 2012? The Northern Illinois Travel Society will help you get there Upcoming Trips/Events: Stop by the office to pick up brochures or call for information.
August 10: FARNSWORTH House tour, Plano, IL August 16: The 39 Steps, Drury Lane matinee September 8: Stars of the Lyric Opera at Millennium Park September 11: Annual Dinner Meeting September 18: DEBBIE REYNOLDS, Drury Lane September 24-27: Stratford Shakespeare Festival
October 15: Simon Boccanegra, ‘A Night at the Opera’ November 15: Singin’ in the Rain, Drury Lane December 1: Members only shopping trip to Chicago December 6: Don Pasquale, Lyric Opera (matinee) December 7-9: Private rail car HOLIDAY trip to Dearborn Michigan December 29-January 6: Caribbean Holiday Cruise
2013 January: Presidential Inauguration Special, train to D.C. January 24: La Boheme, Lyric Opera of Chicago (matinee) March 9-19 Israel: Journey through the Holy Lane May 11-19: 7-day Alaskan Explorer cruise June 7-19: Gardens on the River, Mississippi River cruise October 24-29: Polar Bears in Churchill, Canada
CARDER TRAVEL LTD
Home of the NORTHERN ILLINOIS TRAVEL SOCIETY
2410 Sycamore Road, DeKalb , IL 60115 815-756-1547; travelsociety@hotmail.com
Stop by the office to pick up brochures or call for information.
Monday, July 30, 2012 | Looking Forward | 5
Exercise for healthy aging
(ARA) - Sixty-year-old Ester Kurz does a lot of things, but taking prescribed medicine isn’t one of them. While most people her age take a pill for one thing or another, Kurz, from Baltimore, self-prescribes exercise for healthy aging. On a daily basis Kurz, who will turn 61 in June, goes to the Life Time Fitness in Rockville, Md., to enjoy everything from boot camp to yoga. Her favorite day is Monday, she says, when she goes from kickboxing to indoor cycling class to boot camp. “Each year, I seem to up the number and types of routines,” she boasts. Kurz’s attitude is counter to the majority of her peers. Just 30 percent of people between ages 45 and 64 say they engage in regular leisure-time physical activity, according to the Centers for Disease Control and Prevention’s 2010 National Interview Survey. As people get older, they move even less: 25 percent are active between the ages 65 and 74 and only 11 percent of those 85 and older say they are active. That’s a problem because studies indicate there’s a correlation between activity and a lower death rate in older adults.
“Healthy aging is the ability to maintain your mental, physical and cellular health,” says Jason Stella, a personal trainer at Life Time Fitness, The Healthy Way of Life Company. “The process of aging is inevitable, but the choices you make, good or bad, throughout your lifetime dictate the rate at which you will age and the positive or negative health affects you develop.” In particular, Stella says behaviors that sabotage healthy aging include eating processed foods, taking too many medications, not controlling stress and inactivity. “I have had almost no injuries and very few aches and pains other than when I push myself too hard,” Kurz says. In addition to staying physically active, Kurz is a lobbyist for a grassroots advocacy organization, a wife and mother of two sons, ages 19 and 21, as well as a volunteer with several organizations. “A few years ago, I fell down a flight of stairs and, other than a few bruises and scrapes, did very little damage to my body,” Kurz says. “I have to believe exercise had a great deal to do with that.”
Regular exercise and physical activity are critical to helping older adults stay independent as they age. Strengthening bone and joint health to protect mobility is all the motivation most active older adults need to exercise. Kurz appreciates those benefits, too, but likes the added challenges. In February she competed in the Life Time Fitness Alpha Showdown, a national competition that tests the body’s core energy systems: power, strength and endurance. Most competitors were much younger than Kurz. “I did not win,” she says, “But I don’t think I came in last either, which was an achievement.” Firmly in the second half of her life, Kurz is certain she has never been healthier or felt stronger. Life Time Fitness is part of her health aging program, but the facilities, programming and events cater to all ages and abilities, from those new to an exercise routine to those who are emphatic believers in exercise as good medicine, like Kurz. “Every checkup, my doctor asks me, ‘Still exercising like crazy?’” she says. “And then he adds, ‘keep it up.’”
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6 | Looking Forward | Monday, July 30, 2012
DeKalb Area Retirement Center &
Choosing a Retirement Community Ask most seniors where they would prefer to spend their golden years and they will say they would prefer to remain in their own homes as long as possible. But ask those same seniors and they will tell you they aren’t sure how they would manage if they could no longer care for themselves or what are the options available to them. For those people planning ahead for tomorrow and the unknowns associated with life, Continuing Care Retirement Communities (CCRC) may offer the best of the best. With options ranging from independent living to 24hour nursing care, Continuing Care Retirement Communities are the answer for an increasing number of people planning for the future. Time and again you hear stories of neighbors or friends who are suddenly faced with the care of a family member or friend. Unexpected and at times when stress levels run high, the entire
process is exhaustive and confusing. Guyla Winebrener, Oak Crest Resident experienced this firsthand when she was faced with caring for her two elderly parents at home only to face the daunting task of making arrangements to find care for them when their health deteriorated beyond her abilities. That’s why more than twenty-five years ago she and her husband made the “move.” “Both Bob and I wanted to remain independent, make our own decisions and not rely on others. It was also important to both of us that we could remain in a community that we would not need to leave when we needed more care.” Continuing Care Retirement Communities deliver on the commitment to life care and most offer a wide variety of living accommodations and options. Many communities offer spacious duplex homes and a multitude of apartment living options. Known for services enhanced by great amenities many boast fitness centers,
stores, cafés, theaters, salons, walking paths and gardens. Diverse programming, special events, educational and entertainment opportunities abound. One thing is for sure the Continuing Care Retirement Community of today bears no resemblance to the old folks’ home of yesterday. Many people will tell you they know they should be looking ahead. They may even say they are sold on the idea of retirement living; they just aren’t sure when to make the move. Many retirement communities require health histories and physical examination as part of the application process. They do deny admission to those individuals who do not meet the qualifications. “I’m waiting until I just can’t take care of myself.” translates into, “I waited too long and now a retirement community is no longer an option.”
Monday, July 30, 2012 | Looking Forward | 7
Forethought®
More Americans value funeral services but few pre-plan
Of all the ways we can express love, one of the most thoughtful involves funeral planning before the need arises. It’s not always an easy thing to talk about. However, who wouldn’t want to take the needed steps to spare those they love unnecessary hardship and complication. Forethought funeral planning is a way to secure complete funeral arrangements so your family won’t have to make all those decisions. It’s not difficult to do. Even the name Forethought says that this is the sensible and responsible plan. The one that will reflect your precise desires. Today, many people are making their own plans and choosing the Forethought program to fund them. You may wish to demonstrate just how much you care by making plans , too. Plans that reflect your own expressed wishes and personal preferences regarding funeral arrangements and burial.
It’s All Taken Care of
There are many decisions related to the funeral and burial, all part of a seemingly endless number of things that would need attention by your family. But you can provide for them now by making a few basic selections today.
Funeral service selections fall into two general categories: the services of funeral professionals and funeral merchandise.
A funeral service usually includes: • professional services • transportation services • embalming and other preparation • facilities for visitation • the funeral ceremony • funeral coach • other services and associated items
Included in the funeral merchandise are: • a casket or urn • an outer burial container • other merchandise and associated items
You may, of course, choose any or all of the items you prefer. Discuss them with one of our funeral planning professionals. You’ll receive a complete explanation of selections and prices.
It’s Just The Way I Want It
which funeral service you wish, we’ll help you put it in writing. Then there’s no doubt about your expressed wishes, so there will be no family disputes or involvement by others who may not know what you wanted. Your loved ones won’t need to ask: Did we do the right thing? Did we spend too much or too little? Is it what he or she wanted? Did we forget anything? All that’s eliminated because it’s in writing.
Payment Plans To Suit Your Needs
Although the average funeral and burial cost much less today than many people expect...surely a funeral will cost much more in the future! Who knows if inflation will rise more rapidly in the future than in the past? When one must live on a fixed income, any additional costs can be significant. There are various payment methods available to fund you funeral plan. And, this is an important issue to discuss with your funeral planning professional. You will have peace of mind knowing that your funeral doesn’t have to be a financial burden on your family.
For more information contact a Forethought Funeral Planner.
Once you’ve made your decision and tell us exactly
Funeral Directors
Richard N. Anderson Barry S. Melton Service Assistant
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Candy Anderson 2011 SOUTH FOURTH STREET • DEKALB, ILLINOIS 60115 (815) 756-1022 • Fax: (815) 756-1002
8 | Looking Forward | Monday, July 30, 2012
How to ease
Arthritis Pain (ARA) - For the 50 million American adults currently suffering from arthritis, symptom management is the name of the game. Although it’s the leading cause of disability in the U.S., and the second most frequently reported chronic condition, there are currently no cures for the family of musculoskeletal disorders known as arthritis, according to the Arthritis Foundation. Therefore, arthritis treatment focuses on relieving symptoms and improving joint function. The most common forms of arthritis include osteoarthritis, rheumatoid arthritis, lupus, gout and fibromyalgia. Traditionally, the common signs and symptoms of arthritis (literally meaning “joint inflammation”) may include joint pain, stiffness, swelling, redness and a decreased range of motion. There are numerous types of arthritis - more than 100 in all - and therefore many treatments, including prescription and over-the-counter medications, physical therapy, lifestyle and home remedies, surgery and alternative medicine. Many arthritis sufferers will benefit from some combination of these options. One of the most commonly used arthritis medications is a category called NSAIDs, or nonsteroidal anti-inflammatory drugs, which reduce both pain and inflammation. Popular overthe-counter NSAIDs include naproxen sodium, as well as ibuprofen, both of which are available
under a wide variety of retail “store-brand” labels. “Pain and swelling have a serious impact on quality of life for many arthritis patients,” says Dr. John Tower, president and medical director of Arthritis Physicians LLC in Rochester Hills, Mich. “In combination with other therapies, NSAIDs like naproxen sodium and arthritis pain-relieving topical ointments can provide some symptomatic relief, and therefore can be an important part of a patient’s treatment plan.” “For patients prescribed an NSAID by their physician, I would encourage them to purchase store-brand naproxen sodium or ibuprofen sold at leading retailers and pharmacies,” Tower continues. “These products are regulated by the FDA and use the same active ingredients, but cost significantly less than the brand names.” Allegan, Mich.-based Perrigo is the largest manufacturer of over-the-counter medications found under store-brand labels at leading retailers, grocers and pharmacies. Perrigo offers consumers a variety of affordable store-brand NSAID choices, like naproxen sodium in caplet, tablet and liquid gel form, which compare with the active ingredients in brand names. In addition to drugs for combating pain relief and inflammation, many arthritis patients find relief with physical therapy, lifestyle and home remedies and even alternative medicine.
The Center for Joint Care at Kishwaukee Community Hospital is the
“Arthritis patients need to work closely with their primary care physicians or rheumatologist to determine which combination of treatment options is best for them,” says Tower, who has been a practicing board certified rheumatologist for 21 years. “Appropriate management of symptoms can help people with arthritis to decrease pain, improve function and stay productive.” Physical therapy and regular exercise help to keep joints flexible and strengthen muscle surrounding joints, which can result in improved range of motion for arthritis sufferers. Additionally, home remedies, such as hot and cold therapy, may help relieve arthritis pain, while use of assistive devices, such as a cane or walker, can help protect joints and improve a patient’s ability to perform daily tasks. Alternative medicine, such as acupuncture, may offer some promise as a remedy for reducing symptoms of arthritis, but patients should bear in mind that there is still little reliable evidence to support the use of such treatments in managing arthritis. “Arthritis is a complex disorder with many causes and no cure, but there are effective treatments to manage the symptoms,” says Tower. “Symptom management looks different for every patient, so arthritis sufferers should consider all of the options in partnership with their physician.”
region’s premier destination for joint replacement procedures. Kish Hospital uses three-dimensional guided technology allowing our surgeons to be more precise in aligning the new joint with the entire limb.
Learn more about the Center for Joint Care and hear patient success stories at
www.kishjointcenter.org or call 815.748.2967.
MORE ACTIVE. LESS LIMITS.
Monday, July 30, 2012 | Looking Forward | 9
Family Podiatry has
Tips to keep people with diabetes in step with good foot health
(ARA) - It makes sense to take care of your feet at any age and any health level - after all, they’re the foundation on which we walk through our daily lives. For people with diabetes, however, caring for their feet takes on a new importance, as diabetes-related complications prompt the amputation of more than 1.5 million feet and legs every year. In fact, more than 60 percent of non-traumatic, lowerlimb amputations in the U.S. are performed on people with diabetes, according to the American Podiatric Medical Association (APMA). If you or someone you love lives with the disease, knowing how to take care of your feet, and how to recognize signs of diabetesrelated complications, is an important element of successfully managing the disease. “Research has shown that up to 25 percent of people with diabetes will develop a foot ulcer in their lifetime,” says Dr. Kathleen Stone, president of the APMA. “Foot ulcers and infections are the most common reason for hospitalization of those with the condition. However, these problems are largely preventable.” Common foot problems related to diabetes include neuropathy, skin changes, calluses, foot ulcers, poor circulation and infections. Because diabetes can cause nerve damage in extremities, a person with the disease may not immediately be aware of, or feel pain from, an injury or ulcer. Small wounds or cuts on the foot that are slow to heal can develop into ulcers, which, if left untreated, can become infected and lead to partial or full amputation of the foot or lower leg, according to the APMA. However, regular care from a podiatrist can reduce amputation rates 45 to 85 percent.
Diabetic?
People with diabetes should inspect their feet daily and be vigilant for these warning signs of ulcers, the most common type of diabetesrelated foot complication: * Irritation * Redness * Cracked or dry skin (especially around the heels) * Drainage on socks Ulcers can appear anywhere on the foot or ankle, but are typically found on pressure points on the foot, like the ball of the foot or bottom of the big toe. If you discover an ulcer or have any symptoms, see a doctor immediately. In many cases, the foot can be saved with early treatment by a podiatrist working as a member of the health care team caring for a person with diabetes. In addition to examining your feet every day, and keeping your blood glucose in your target range, make sure to follow these foot health tips: * Trim toenails straight across and file the edges. * Never go barefoot. Shoes should be comfortable and fit well (the APMA website, www.apma.org, offers guides on how to choose footwear that fits properly). Check the inside of shoes before putting them on to be sure there is nothing inside the shoe that will irritate or harm your feet.
Vi Visit our website or call our office for a
about general and diabetic foot care.
* When sitting, elevate your feet. Wiggle toes and move your ankles up and down several times a day for five minutes. *Diabetes is a hereditary disease, and is often passed down from parent to child. Families affected by diabetes should openly discuss the hereditary nature of diabetes, and its negative physical effects. “Podiatrists are an integral part of the diabetes management team, and are experts in wound care,” says Stone. “They can help patients with diabetes avoid ulcers and treat foot problems that arise. To find a podiatrist in your area, visit www.apma.org. For the latest information on diabetes and foot health, follow APMA on Twitter at www.twitter.com/ APMAtweets.
Every Diabetic should have a yearly Comprehensive Diabetic Foot Exam performed by a podiatrist. This is covered by your insurance and Medicare.
Visit our website at YourFootDoctor.com and listen to a radio interview by Dr. Levin on Diabetic Foot Care.
FREE BOOK
* Since diabetes risk can be hereditary, people with diabetes should talk to their families about monitoring their own blood sugar and foot health.
Dr. Neil B. Levin
Board Certified Foot and Ankle Specialist
www.yourfootdoctor.com
Our experienced, caring staff is committed to helping you!
815-899-2575
Bethany Professional Building 1675 Bethany Rd., Suite B, Sycamore, IL 60178 Additional office locations in Hinsdale and Buffalo Grove
10 | Looking Forward | Monday, July 30, 2012
Let’s Talk About it Understanding Anxiety Disorders across the lifespan Throughout the lifespan feelings of anxiety and stress are common for individuals regardless of their age. These feelings are normal, however when they impair our ability to function in our day to day tasks, responsibilities and hobbies or relationships, anxiety can be debilitating. Anxiety is a common illness among older adults, affecting as many as 10-20 percent of the older population, though it is often undiagnosed as many do not seek treatment. As a group, anxiety disorders are the most common of mental illnesses, affecting 19 million Americans each year. Each of the five anxiety disorders disrupts daily tasks to some extent. Some people may simply alter their route to work to avoid a tunnel, while others are so afraid of having a panic attack that they will not leave their homes. Anxiety disorders are treatable with cognitive-behavioral therapy and/or medication. The most common of the anxiety disorders are Phobias. Specific phobias are disabling, irrational fears of things or situations, such as snakes, heights, or flying that cause a person to limit his or her life unnecessarily.
Social phobia is a fear of embarrassment in
social situations and is often accompanied by depression or alcoholism.
Generalized Anxiety Disorder (GAD) is characterized by excessive and exaggerated worries and feelings of tension lasting at least six months. People with GAD often suffer from depression and physical complaints, such as headaches or stomach aches.
Panic Disorder causes feelings of intense
fear that strike suddenly and repeatedly without warning. Physical symptoms include chest pain, heart palpitations, shortness of breath, dizziness, abdominal distress, feelings of unreality, and fear of dying. Approximately a third of those with panic disorder also suffer from agoraphobia (the fear of leaving one's house) often due to a fear of having a panic attack and not knowing when one may occur.
Obsessive-Compulsive Disorder is characterized by obsessions and compulsions. Obsessions are disturbing thoughts and compulsions are rituals performed to prevent or dispel those obsessions. Common compulsions include excessive hand-washing, counting items,
and repeated checking of locks or switches. Experiencing or witnessing a traumatic event, such as a violent attack, war, or natural disaster, can trigger Post Traumatic Stress Disorder (PTSD). PTSD is characterized by nightmares, intrusive memories of the event, avoidance of reminders of the event (such as places or people), and a constant state of increased arousal.
Untreated anxiety can lead to cognitive
impairment, disability, poor physical health, and a poor quality of life. Fortunately, anxiety is treatable with prescription drugs and therapy. Ben Gordon Center, Inc. offers services on a sliding fee for those who qualify, accepts Medicaid, Medicare, and all Insurance Plans. Ben Gordon Center, Inc. is fully accredited by the Joint Commission, the Illinois Division of Mental Health and the Division of Alcohol and Substance Abuse Services. For More Information about Anxiety Disorders and treatment options available call the Ben Gordon Center in DeKalb at 815-756-4875 or in Sandwich at 815-786-7544. Or call our BGC Response Line 24/7 at 1-866-BGC-0111. Or visit our website at www.bengordoncenter.org
We Provide Comprehensive Counseling Services for Children, Teens, Adults, Families & Area Businesses: Individual and Marital Counseling
ADD/ADHD Diagnosis and Treatment
Mental Health Counseling
Employee Assistance Programs
Substance Abuse Treatment
Psychiatric Evaluation and Treatment
Psychological Testing
Support Groups
Depression, Anxiety, Grief, Loss and Stress Issues 12 Health Services Drive, DeKalb, Illinois 60115 815.756.4875 • www.bengordoncenter.org
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Monday, July 30, 2012 | Looking Forward | 11
Non-adherence
is killing us, needlessly
(ARA) - Millions of Americans are plagued by chronic diseases such as heart disease, cancer, diabetes and arthritis. These are among the most common, costly, and preventable of all existing health problems in the United States, according to the Centers for Disease Control and Prevention. But there’s another, lesser-known condition that’s taking a huge toll on Americans’ health: non-adherence, a problem caused when patients don’t follow their doctors’ orders. While it may be hard to believe, the simple act of forgetting to take a pill or not filling a prescription at the pharmacy costs the U.S. as much as $317 billion each year on unnecessary medical expenses. Beyond the financial cost is the health impact: Non-adherence can lead to additional complications, which in turn lead to more medical tests, emergency room visits and hospitalizations - all avoidable by simply taking medications as prescribed. A new Express Scripts survey found that more than 90 percent of the 40,000 adults polled agree that taking their medication is important for their health, ranking higher than avoiding smoking, eating healthy and getting enough
exercise. Despite these findings, Express Scripts’ 2011 Drug Trend Report shows that for many diseases requiring drug treatments, less than half of patients take their medication as prescribed. So while Americans recognize the importance of adherence, their intentions and behaviors are not always aligned. There are many reasons why people don’t take their medications regularly; but in contrast to common belief, the main reason for non-adherence has nothing to do with the cost of the medicine or fear of its side effects. In fact, more than two-thirds of patients are non-adherent simply because they forget or procrastinate, according to survey responses. The good news is that there are some very simple solutions for treating the common condition of non-adherence: Visual or auditory reminders: Keep your medication in a location where it can be easily found. Tape a note to your refrigerator or set an alarm that will help make taking your pills part of your daily routine. Home delivery: Having your prescriptions
delivered to your home in 90-day supplies has been proven to increase adherence. Go to www.express-scripts.com to learn more. Automatic refill reminders: Some prescription insurance plans provide automatic refill reminders to ensure you refill your prescriptions on time. Check your pharmacy plan to see if these alerts are available and how you can sign up to receive them. On-time prescription renewals: Long before you near the end of your final refill, it’s important to schedule an appointment with your physician to renew the prescription. If you wait until the last minute, you might not be able to get there in time to stay on your medication therapy. No matter what method you use to be adherent, it is important to remember that better decisions today lead to healthier results tomorrow. For more information on Express Scripts’ 2011 Drug Trend Report, visit www.drugtrendreport. com.
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12 | Looking Forward | Monday, July 30, 2012
Five golden choices for investors
(ARA) - In the dark about how to invest in gold? Despite gold's increasing value and popularity, many folks don't know where to get started. If that includes you, you're not alone. A recent survey shows that nearly half of US investors don't believe they're knowledgeable enough about the precious metal to make a decision about adding gold to their portfolios. The World Gold Council highlights these five options to get you started:
1. Gold Exchange-Traded Funds (ETFs)
Since 2004, U.S. investors have been able to buy Exchange Traded Funds (ETFs) backed by physical gold through their brokerage accounts on a regulated stock exchange, just like a share of a company's stock. Ownership of gold ETF shares provides investors with a vehicle that reflects the performance of the price of gold bullion, less expenses of the ETF. With these gold ETFs, individuals do not need to physically store gold, so no need for a safe or safety deposit box. Different types of gold ETFs are available on the market but not all are 100 percent backed by physical gold, so read the prospectus carefully and ask your financial adviser to help you select the one that best suits your needs.
2. Gold mining stocks
With this option, you are investing in a gold-mining company, rather than gold bullion. Depending on the company, you may be able to generate income
from dividends. While the value of gold stocks has historically been closely tied to the price of gold itself, other factors can determine the value of the individual companies. More than 300 gold-mining companies are listed and publicly traded in the U.S.
3. Gold Accumulation Plans (GAPs)
Similar to a conventional accumulation plan, GAPs allow investors to set aside a fixed amount of money every month in order to purchase gold on various days. This cost averaging cushions investors from short-term variations in the price of gold. When the account closes, investors could have one or more of the following alternatives: receiving bullion bars or jewelry or simply selling the gold for cash.
4. Gold bars
Gold bars range in size from just a few grams to the 400 ounce London Good Delivery bars most people have only seen in the movies. There are many different refineries that produce gold bars and most companies that sell gold will offer a variety of sizes to suit various budgets.
5. Gold coins
Issued by governments around the world, gold bullion coins are a popular choice for investors. Their value is primarily based on their fine gold content. Bullion coins differ from numismatic or collectable coins, which are valued on rarity, design and finish rather than their
gold content. Many mints will offer "proof" versions of the bullion coins at a premium to the gold content for collectors and those looking for an heirloom gift for milestone celebrations such as a birthday or wedding. American Eagle coins are a common form of bullion coin in the U.S. and other popular bullion coins that are widely available include the Gold American Buffalo, Canadian Maple Leaf, South African Kruggerrand and Chinese Panda and Austrian Philharmonic. Where to buy: Both bullion coins and gold bars may be purchased online or by phone from companies that specialize in precious metals. "There are a number of ways to invest in gold and each can play its own role in your portfolio. Owning an ETF, bars or coins and mining shares may be viewed as complementary investments," says Juan Carlos Artigas, Global Head of Investment Research at the World Gold Council. The World Gold Council (www.gold.org) provides useful information on why, how and where to invest in gold. The information provided is for educational purposes only. Consult your financial advisor before making any investment decisions.
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Monday, July 30, 2012 | Looking Forward | 13
Retirement
planning dos and don’ts
(ARA) - As with most things in life, it’s never too early to plan. And even if you are not at the doorstep of retirement, there are some critical dos and don’ts related to retirement planning, that anyone could benefit from. “While not a full-blown retirement planning strategy, we’re offering these tips with one goal in mind: helping Americans achieve a more secure retirement,” says Robert Fishbein, a tax planning expert at Prudential Financial, Inc.
1. Don’t think of your home as a retirement asset.
Whether you are a new homeowner or near retirement, you should not think about your home as a retirement asset, for these reasons: * A home is, first and foremost, a place to live, and you will always need a place to live. * Your home is an inherently un-diverse investment. * A home may be subject to debt, which means it is less valuable than it appears and could be an ongoing expense when living in retirement. * Relying on a home as retirement savings tends to discourage other saving.
2. Don’t think maximizing investment return is a savings plan.
Maximizing investment return is an important focus of retirement planning. However, sometimes we fall into the trap of seeking outsized returns to compensate for
our failure to save consistently over time. There is no substitute for disciplined and regular saving.
3. Do maximize Roth assets.
A Roth IRA or 401(k) can provide tax-free income, if you hold the account for 5 years and have attained age 59 1/2. Roth IRAs also have the added benefit of being exempt from the tax rules requiring distributions starting at age 70 1/2. Prior income limits on converting a traditional IRA or 401(k) to a Roth IRA were eliminated in 2010, which makes these unique retirement planning products more broadly available. Of course, converting a non-Roth retirement asset into a Roth retirement asset triggers recognition of the tax gain on the converted value.
4. Do have a retirement income plan.
Some financial professionals suggest 80 percent of your pre-retirement income is a good retirement income goal. With this goal you can then compare your expected monthly retirement income from Social Security and any pension plan to your target monthly retirement income amount. Any shortfall is the amount you will need to make up each month by tapping your other savings. Also consider an annuity contract from a life insurer to provide additional guaranteed lifetime income, which will both cover more of your target retirement income and manage the risks that you invest poorly or live longer than expected.
5. Do plan for inflation and increasing health care costs.
consider and plan for them. One strategy is to calculate a more modest income at the beginning of retirement and then increasing the income amount each year by the inflation rate (or a rough proxy such as 3 percent).
6. Do maximize Social Security as insurance protection.
For most Americans the decision to defer Social Security payments as long as possible is an important action to ensure not outliving one’s assets. Social Security is typically a large source of retirement income, and its value is enhanced because it is government guaranteed and provides inflation-adjusted payments.
7. Do stress test your retirement plan.
The 2008 economic recession gave rise to bank bailouts and, in turn, the stress testing of banks to ensure ongoing viability. This thinking can and should also be applied to your retirement planning. For example, how would your retirement plan work if your investments grow at 3 percent a year instead of 8 percent? What if your income declines over time? Stress testing your retirement plan could suggest you change your planning assumptions. You might decide to work longer, which reduces the number of years that you will need your retirement assets to support you. Other adjustments that you can make include saving more now, changing the risk profile of your investments, and buying products with a lifetime income guarantee so you are less exposed to market risk and the risk that you will live longer than expected.
Inflation and health care costs are twin traps that can erode the value of your retirement plan if you do not
Your Retirement: Many Options, One Easy Decision Whatever your vision of retirement looks like, you’ll have many options. Although some of those options may be complex, deciding to consolidate your accounts is easy. With all your retirement money in one place, it can be easier to make sure your financial strategy is on track. We’ll meet with you face to face to help you work toward your financial goals.
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2600 DeKalb Ave., Suite B Sycamore, IL 60178 815-756-3514
122 N First St., Suite B DeKalb, IL 60115 815-756-1662
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330 E State St., Suite B Sycamore, IL 60178 815-899-1303
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14 | Looking Forward | Monday, July 30, 2012
Expert advice on keeping your
health care costs down (ARA) - Health care expenditures totaled roughly 2.6 trillion dollars in 2010, more than 10 times what they were in 1980. Average families are feeling the increases - health insurance premiums for a typical family of four have increased by 114 percent since 2000, according to the Centers for Disease Control. And health care costs now make up approximately 6.6 percent of the average family's budget. It's true that the health care industry is immense and sometimes seems impossible to navigate but you are not powerless. Here are 10 tips for keeping health care costs manageable:
1. Negotiate with health care providers If you have no insurance, consider negotiating with your medical provider for a discount in the amount that insurance would have required them to write off. According to Michaelea Holten MIBC program instructor at Everest Institute in Tigard, Ore. "Usually the amount providers are asked to write off is around 30 to 35 percent, which can mean real savings for you."
2. Pay in full Holton adds, "Many providers offer a 'paid in full' discount if you offer to pay services in full at the date of service. This saves providers time and effort following up, so it can often be in their interest to encourage up-front payments."
3. Stay informed The more prepared and informed you are about your options, the more likely you are to receive better care and ultimately, you may save yourself money. Specifically, this means you should do research prior to getting additional medical services. Many exams and tests are very expensive and may not be considered medically necessary.
4. Be an active and inquisitive patient Remember that you know your body better than anyone. Deborah Jones, medical assisting program chair at Everest Institute in Tigard, reminds us that your medical provider depends on your knowledge to diagnose and treat any conditions. "When visiting a provider, you should always go prepared with a list of questions and concerns. If you take the time to get answers on your first visit, you will save time and money in the long run, as you will have fewer follow-up visits and reduce the potential for misdiagnosis," she says.
5. Know your health insurance benefits If you have health insurance, make sure you review your explanation of benefits (EOB) when you receive them. Insurance companies make mistakes, so make sure you are reviewing your EOBs for correct information on payments made, deductibles, or denied claims. If you have any questions, call your insurance company. If you wait, then denied claims could cost you hundreds of dollars.
6. Set up a flexible spending account if offered by your employer If your employer offers a flexible spending account (FSA) as a benefit, take advantage. An FSA is a benefit that employers can offer their employees to help them save money on medical expenses - FSAs allow you to deduct a certain amount of pre-tax income each pay period for medical payments, and thereby reduce what you pay in federal income taxes. However, it is important to estimate your anticipated medical expenses carefully because deductions placed in an FSA must be used within the calendar year, or you forfeit your right to those dollars.
7. Investigate free prescription drug programs Do you have trouble covering the cost of your prescription drugs? Lori Snyder, pharmacy technology program chair at Everest College in Reseda, Calif., suggests that you write to the pharmaceutical company that manufactures your medications. They all have programs which offer prescription drugs at no cost, and you may qualify.
8. Be wary of savings schemes Take caution when looking at "Medical Discount Plans." Many discount plans state that they can save you up to 60 percent on medical expenses, if you go to their providers. But some of these plans are simply out for your money. Before signing up for a plan, be sure to do your research by calling the plan's providers, and getting price quotes for their services.
9. Shop around for treatment services You wouldn't buy the first shirt you see in a store without trying it on and comparing prices - so why would you commit to the first medical provider you call? In seeking out medical services, call around and ask for the fee schedules of the providers you need to see. They should be able to give you a list of procedures and their costs. Then you can compare prices of different providers prior to choosing.
10. Consider switching insurance providers Remember, not all insurance plans are created equal. Many employers offer a choice of different insurance plans. Consider reassessing your family's medical needs on an annual basis and negotiating premiums with insurers. They all want your business.
Monday, July 30, 2012 | Looking Forward | 15
Expert advice
for keeping skin young and healthy
ARA) - The radiance of youthful skin is something that everyone is lucky enough to have at some point. But as the years pass, that nature-given glow tends to dull and slacken, leaving most people searching for a way to recapture that look. The booming cosmetic and skincare business produces plenty of one-jar wonders that promise radical results, but many of them don’t deliver. Dermatology experts know, however, that taking a broader approach to caring for your skin is the optimal way to get results. Skin is inherently complex, and it faces a daunting variety of challenges, so it makes sense that treating it effectively takes an equally multifaceted strategy. From your lifestyle choices and habits to the products you use, keep three things in mind when it comes to your skin:, protection, reversal, and rejuvenation. So many people think that having youngerlooking skin is simply a matter of not having wrinkles, but according to Dr. Neil Sadick, a renowned dermatologist and researcher, it goes far beyond that. “Changes in pigmentation, pore size, fine lines and skin tone all contribute to skin looking older,” Sadick says. “So it’s important to treat each of those problems and address the causes in order to maintain a youthful look.”
Because skin care shouldn’t be an afterthought, it’s important for women of all ages to protect their skin - starting in their 20s and 30s. But no matter your age, consider these tips for keeping your skin healthy and looking its best:
* A well-rounded skin care regimen. Just as
a diet made up of only one food wouldn’t be enough to fuel your body, a one-dimensional approach to skin care won’t be sufficient to keep your skin looking its best. A regimen that protects during the day, works to reverse signs of aging, and rejuvenates through the night will address all of your skin’s needs. The Park Avenue Prescription kit from Sadick Dermatology group includes two creams and a serum which are clinically proven to address visible signs of aging and help prevent and reverse environmental damage. The kit is affordably priced at select Sephora locations inside J.C. Penney, where skincare consultants can provide advice, as well as in Sephora stores and online.
* Sun protection. Avoiding the sun is the best way to prevent damage from its UVA and UVB rays, but as summer arrives and spending time outdoors takes over, it’s often unavoidable. Using a skin cream with a minimum SPF of 20 will
help protect your skin, but you should also use clothing, like hats, lightweight long sleeved shirts and long pants, to keep the sun off your skin.
* A skin-friendly diet. A healthy diet will be
reflected in a healthy complexion. Focus on fresh foods that are abundantly available throughout the summer as part of a delicious solution for healthy skin. Avoid fried and highly processed foods whenever possible to look and feel even better.
* Staying hydrated. One of the best ways to
keep your skin glowing is to keep it supplied with water. But you’ll need to do more than keep a bottle of water handy. Use a moisturizer that keeps your skin continuously hydrated - not only will it help your skin look better in the moment, but it also helps to protect over the long term. Your face is your calling card - the first thing people see when they meet you, and often, what they most remember about you. Protecting your skin with a multifaceted routine will help you put your best face forward for years to come. For more information on healthy skin, visit www. sadickdermatologygroup.com.
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