living
A publication of Southern Lakes Newspapers LLC
Summer 2015
s e n i o r
• Stay active • Dating after 50 • Return to school
Your Hometown Funeral Home Since 1923
Mealy Funeral Home
Serving Waterford and surrounding communities with care and compassion for over 90 years John E. Kojis
Third Generation Owner Licensed Funeral Director and his dedicated staff
*Traditional Services with Burial *Cremation with Memorial Services *Pre-Need Specialists *Serving All Faiths
225 West Main Street Waterford WI 53185 www.mealyfuneralhome.com
(262) 534-2233
170527
Selecting an assisted living facility is an important decision. At Waterford Assisted Living & Memory Care, we strive to make it an easy choice for residents and their families.
Call 262-534-4800 to schedule your tour today, or visit www.waterfordseniorliving.com.
Activities Socialization Fitness Salon/Barber Shop Full Spa
180237
HOW TO AVOID
growing bored
IN RETIREMENT
rom the moment young men and women first walk into the office for their first day as a working professional until the day they officially retire, the notion of planning for retirement is never far from their minds. But when the day to hang up the briefcase and donate all those business suits arrives, some retirees wonder what to do next. Some retirees know exactly how they will spend their days when they no longer have to work, while others who decide to play it by ear may find themselves battling boredom. For those among the latter group, it’s important to understand that many retirees find themselves bored once they no longer have to focus on a career. Jobs keep men and women busy and provide a sense of purpose in their lives, so it’s understandable that retirees feel bored once those jobs are no longer a part of their lives. But just because you no longer have an office to go to every day does not mean life cannot be as fulfilling or even more fulfilling than it was when you were still working. You just need to find something to avoid succumbing to retirement boredom. Work part time Though it might seem odd to start working right after you retire, a part-time job can provide the type of structure you have grown accustomed to without all of the responsibility that comes with a full-time career.
Part-time jobs can range from consultancy work that makes use of your professional experience to something entirely different like landscape maintenance at a nearby golf course that gets you out of the house and enjoying the warmer seasons. Whichever you choose, make sure it’s something you find fun and interesting. Embrace a new hobby Working professionals often say they wish they had time to pursue a hobby. Now that you are retired, you have all the time
living S E N I O R
• see RETIREMENT page 4 A publication of Southern
Lakes Newspapers LLC
1102 Ann St., Delavan, WI 53115
(262) 728-3411
EDITOR: ................................................................................... Tracy Ouellette CREATIVE/PRODUCTION DIRECTOR: .................................Sue Z. Lange ADVERTISING DIRECTOR: .............................................. Vicki Vanderwerff SPECIAL SECTIONS ADVERTISING: .................................Karen Dubinsky EDITORIAL ASSISTANT: .............................................................Sharon Soch FOR ADVERTISING OPPORTUNITIES: Call (262) 763-2575
LIVING SENIOR • SUMMER 2015
F
FILE PHOTO Living Senior
3
• RETIREMENT from page 3
in the world to do just that. Whether it’s perfecting your golf game, writing that novel, learning to cook like a gourmet chef or whatever else you might have always wanted to do, retirement is a great time to do it. Get in shape If retirement boredom has started to negatively affect your mood, one great way to conquer your boredom and improve your mood at the same time is to start exercising. Exercise is a natural mood enhancer. When the body exercises, it releases chemicals known as endorphins, which trigger positive feelings in the body. In addition, regular exercise has been shown to reduce stress, boost self-esteem and improve sleep. Working out at a gym also is a great way to meet fellow retirees in your community, and the energy you have after exercising may give you the boost you need to pursue other hobbies. Volunteer If a part-time job is not up your alley, then consider volunteering in your community. Volunteers are always in demand, and volunteering with a local charity can provide a sense of purpose and provide opportunities to meet like-minded fellow retirees, all while helping to quell your boredom. Retirees who love to travel can combine their passion for volunteering with their love of travel by signing up to work with an international relief organization that travels abroad to help the less fortunate. Upon retiring, many retirees initially find themselves coping with boredom. But there are many ways to avoid the restlessness of retirement. (METRO CREATIVE)
FILE PHOTO Living Senior
Golf is a great activity for seniors looking for something new to try.
ExpEriEncEd SEnior carE
4
Home Helpers provides non-medical and personal care in homes, retirement communities, nursing facilities – wherever we’re needed! Our flexible care plans are tailored to fit your needs and budget. Caregivers are bonded and insured.
Waukegan’s Finest Retirement Housing TAKING RENTAL APPLICATIONS NOW! Low Income Senior Housing 542 Washington St., Waukegan, IL 60085
847-662-2277 www.Lilac-Ledge.com
(262) 757-0012 www.HomeHelpers.CC 158252
EQUAL HOUSING EMPLOYER
158328
LIVING SENIOR • SUMMER 2015
Each office is independently owned and operated.
Not DONE yet Tips for grandparents helping to raise children
Get the right equipment Children certainly require a lot of gear, more than grandparents likely used when raising their own children. Certain safety requirements are in place to safeguard young children, and that often means investing in new cribs, car seats, high chairs, and other items. Grandparents should resist the temptation to use old items they may have kept in storage, as such items may no longer be safe and could put grandchildren
FILE PHOTO Living Senior
For a growing number of seniors, retirement means raising the grandkids. In the United States, there are 4.9 million kids being raised solely by their grandparents and another 13 million kids living in the same home as their grandparents.
at risk for injury. Gather important documents Grandparents should keep pertinent documents in one easily accessible place in their homes should an emergency arise. These include birth certificates, health immunization records, death certificates (if the child’s parents are deceased), dental records, school papers, citizenship papers, and proof of income and assets. Speak with an attorney Lawyers can help grandparents wade through legal arrangements, such as filing for custody, guardianship or adoption. Options vary depending on where petitioners live, but lawyers can provide peace of mind to grandparents concerned about their grandkids’ futures. Investigate financial assistance Seniors may not earn the income they once did and may be on assistance programs or living off of retirement savings. Grandparents who find themselves caring for a child may be eligible for financial assistance. The Temporary Assistance for Needy Families is a joint federal and state program that can provide need-based financial assistance. The AARP
or the organization GrandFamilies may be able to put grandparents in touch with financial advisers in their areas. Contact schools and daycare centers School-aged children will need to be enrolled in school. Grandparents should contact the department of education where they live to learn about local school systems, especially when grandkids are moving in with their grandparents. Some grandparents can qualify for free or lowcost daycare, and such programs can be discussed with local Social Services offices. Enrollment in school or daycare can provide grandparents with much-needed free time during the day. Find emotional support Taking care of grandchildren is a fulltime job. At times, grandparents may feel stressed or out of sorts. Having a strong support system available can help grandparents work through the peaks and valleys of this new and unexpected stage in life. Church- or community center-based counseling services may be available. Grandparents also can check with their healthcare providers to determine if • see GRANDPARTENTS page 6
LIVING SENIOR • SUMMER 2015
As retirement age approaches, many older adults envision themselves downsizing and moving to a quaint community to enjoy their golden years in as relaxing a fashion as possible. However, for a growing number of seniors, their retirement years are being spent helping to raise grandchildren. United States Census data from 2010 indicates 4.9 million American children are being raised solely by their grandparents. CanGrads, a National Kinship Support organization, says about 62,500 children are being raised by grandparents and other family in Canada. Many grandparents provide part-time care when their older children have to move back home with their families, as roughly 13 million children are now living in homes with their grandparents. Although being raised by grandparents may not be the ideal situation for all parties involved, such situations are a necessity for many families. Seniors who are once again thrown into the caregiver arena may need a crash course in childcare or a few pointers on parenting in the modern age.
5
• GRANDPARENTS from page 5
counseling or therapy sessions are covered under their plans. Caring for grandchildren is a life-changing event. Although it can be fulfilling, it also requires a lot of energy and commitment. But grandparents needn’t go it alone, as there are numerous resources available to seniors who suddenly find themselves caring for their grandchildren. (METRO CREATIVE)
Grandparents who suddenly find themselves caring for their grandchildren don’t have to go it alone. There are community and church support groups to help.
FILE PHOTO Living Senior
157577
Do More. See More
262-275-2171
6
Korey Kuehni, Proprietor/Technician Locally Owned & Operated
Sound Banking Advice from First National gets you there.
Hours: M–F 8 A.M. to 5 P.M. 416 S. 7th St. Delavan, WI 53115 (262) 728-2886
Member FDIC
800.667.4401
191371
korey@koreysautokare.com www.koreysautokare.com
15 8525
LIVING SENIOR • SUMMER 2015
Complete Bumper to Bumper Auto Repair
FILE PHOTO Living Senior
Mature adults who find themselves jumping back into the dating pool should take things slow. Dating is about discov-
ering who the other person is. Use the time together to really get to know each other.
Sweaty palms, heart palpitations and nervousness are common first date symptoms. Many people can remember the feelings of excitement and fear they felt the first time they went out on a date as a teenager. But those who find themselves back in the dating pool as mature adults quickly learn that dating jitters still may be present even after all this time. Recent data from the U.S. Census Bureau finds that those over the age of 50 are now divorcing at double the rate of younger people. Loss of a spouse is another reason the over 50 crowd may once again be dabbling in dating. Recent reports say that 40 percent of online daters today are over the age of 50. Successfully navigating the waters of
matchmaking sites or old-fashioned meetand-greets means re-acquainting oneself with a few handy tips.
DON’T OPEN UP WITH YOUR EXTENDED HISTORY Older daters have more life experiences and potentially a greater number of past relationships. Recognize that you both may bring former spouses and even children to the table, but don’t feel the need to delve into all of your adventures (or misadventures) on the first date. Early dates are not for setting the entire course of your relationship. They’re for getting acquainted and seeing if this is a relationship you want to continue. Getting too personal right off the bat can sabotage a relationship before it starts.
TAKE IT SLOW There’s no need to rush anything along. Biological clocks or perceived societal notions no longer may be causing pressing relationship deadlines. Take the first date and any other subsequent dates at a pace that’s mutually agreed upon. It may take several months to years before all of your truths come out, but for now focus on having fun until you’re both ready to share more. LOOK FOR THE POSITIVES Before you decide a person is not for you, make a note of all of his or her positive attributes. What do you like most about him or her? Initial negativity or • see DATING page 8
LIVING SENIOR • SUMMER 2015
Dating AFTER 50 It’s a whole new world for singles
7
• DATING from page 7
doubts may stem from your fear of rejection. Be open to others who may not fit your type. DON’T GET DISCOURAGED The person you first meet may not be the right fit. Don’t let this turn you off of dating. The right person may be the next one around the corner. MEET IN PUBLIC PLACES Many dates begin with online conversations with the intention to meet for a physical date later on. Always keep safety in mind when setting a rendezvous with someone you don’t know well. Choose a public meeting spot, such as a busy restaurant. Ask a friend to check in on you via phone call. Consider a double date if you’re wary. Take your own car and meet at the date location rather than being picked up at home.
FILE PHOTO Living Senior
Save the quiet walk in the woods until you really know the person you’re with. When first starting to date someone, meet in public places and let a friend know where you’re going to be.
WAIT FOR INTIMACY It may take a while before you feel comfortable getting intimate with someone new. This person should respect your feelings and not pressure you into a physical relationship until you are both ready. Also, give the other person time to grow comfortable with intimacy. Dating after 50 means taking chances, going slow and exploring new relationship possibilities that make you feel comfortable. (METRO CREATIVE)
Locally & Family Owned Don A. “Several months ago I suffered from a serious health issue. I was able to go through rehab, but was not able to go home at that point. My family found RidgeStone, as the stepping stone in between the nursing home and being able to be at home again.
LIVING SENIOR • SUMMER 2015
RidgeStone Assisted Living is a wonderful place to live. I have been able to continue on with my visiting therapy team and I am getting stronger every day. The care staff at RidgeStone has helped during the transition making sure I am well looked after and cared for. I enjoy visiting with friends at mealtimes and hearing all the fun stories. My friends and family come and visit every day! I am looking forward to returning home, but if you need a place to go, RidgeStone is the place to be!” “I know that RidgeStone will always be there for me should I need it again…and that gives me peace of mind….”
8
RidgeStone Assisted Living Communities
www.ridgestonevillage.com
RidgeStone Village - Delavan 1025 S. Second Street, Delavan, WI 53115 262-728-2960 RidgeStone Terrace and The Gardens at RidgeStone Memory Care 233 W. Evergreen Parkway, Elkhorn, WI 53121 262-743-2960
Find us on Facebook at RidgeStone Assisted Living Communities
193471
204454
Never TOO OLD to learn Pointers for adults returning to school
Get some help Some time may have passed since you last toted textbooks or entered a classroom setting. Things have changed since you last were in school. Sit down with a guidance counselor or a career advisor and go over your schooling goals to plot out a degree map. This will help you determine which courses to take or what schools will best fit your needs. Research schooling options According to the National Survey of Students in Continuing Education, adult learners prefer post-secondary education that is affordable and close to home.
FILE PHOTO Living Senior
Seniors often find they have more time on their hands than anticipated after retirement. Many of them are returning to school to finish degrees or obtain new ones.
Recognize that many schools now offer online learning, which may be ideal for you if you prefer to learn from the comfort of home. Decide what is important to you in a school then narrow down your prospects. Schedule a campus visit Tour the campus to get a feel for the school environment. Visit with someone in student services or attend an event for adult learners so you will know what the admissions process entails.
Take a few refresher courses Rather than delve into the tough stuff right away, enroll in a few basic classes to ease yourself back into the academic environment. Then next semester you can increase the difficulty level and workload. Be prepared for homework and study You may have grown accustomed to being only accountable to yourself as of late. Once in school you will have assignments and tests. Plan for study time and develop a schedule to allow for school commitments.
Get financial assistance Scholarships, grants and other financial aid are not just for young students. You may be eligible for financial help. Speak with Take it slow a financial aid adviser to determine your There’s no race to the finish line. Going eligibility for programs. back to school is your decision, and you can go at your own pace. Adult students return Decide enrollment status to the classroom for many reasons. Involve Do you want to go to school full time family in the decision to continue education or part time or do you want to take classes and embrace the positive changes that are in here and there? Knowing in advance will store. (METRO CREATIVE) help you develop the right schedule.
LIVING SENIOR • SUMMER 2015
Today’s seniors, particularly those who already have passed retirement age, may find themselves with many free hours to fill now that a job no longer accounts for most of their time. Returning to school may help seniors realize lifelong dreams of finishing a degree, exploring a hobby, getting educated to gain work in a new field, or just to fill some time in a productive way. Information from the U.S. Department of Education’s National Center for Education Statistics finds the demand for continuing education is still growing. For those aged 35 and older, the center says adult enrollment should grow by at least another 7 percent through 2016. It’s possible to return to school at any age. Adults looking at continuing education possibilities can heed these easy tips to make stepping into a classroom again successful:
9
Popular SPORTS FOR seniors
Age doesn’t have to stop older men and women from enjoying their favorite sports. In fact, remaining active can improve physical and mental health. If a doctor has confirmed that it is OK to participate in sports, these activities can help men and women 50 and older enjoy friendly competition and physical activity.
FISHING
Fishing is more than just a leisurely day at the lake. Casting and reeling in your catch provides a good workout for the arms, legs and core muscles of the body. If you fish on the water, rowing out to your lucky spot provides additional cardiovascular exercise.
GOLF FILE PHOTO Living Senior
This is the perfect time of year to pick up a new sport. When choosing a new activity, seniors should check with their doctor first, before beginning a new sport.
Golf is enjoyed by people of all ages. Requiring a combination of strategy and skill, golf also pays several physical dividends.
Play at your own pace, taking your time walking from hole to hole so you can enjoy the sunshine and soak in the beauty of the course.
SWIMMING
A few laps around a pool works your whole body. Swimming is attractive to seniors because it works the muscles and provides a cardiovascular jolt without putting any strain on the joints.
CYCLING
Many seniors are avid cyclists. You can ride a bicycle in competition or for pleasure. You can even vary your route depending on how physically intense you want the ride to be. Seniors need not abandon their love of sport just because Father Time is catching up with them. Many sports can be enjoyed by athletes of all ages. (METRO CREATIVE)
SAXONY MANOR AFFORDABLE HOUSING FOR PERSONS 55 AND OLDER
Know us LIVING SENIOR • SUMMER 2015
BEFORE YOU NEED US…
10
If you or someone you love is dealing with a serious illness, it’s important to know all of your care options early—when it’s still a choice, not a necessity.
Pay only 30% of your adjusted gross income • Carpeted 1 Bedroom Apartments • Appliances, Heat & Air Conditioner Included • Public Transportation On Site • Close to Shopping • Small Pets Welcome Call Today to Schedule a Personal Tour 262-551-9005 www.fm-inc.org/saxony-manor.html A subsidiary of Fransiscan Ministries 191451
Learning more now can prevent a lot of worry and suffering later on. Find out how Rainbow Hospice Care provides comfort, care, and meaning at the end of life by contacting us soon. Schedule a meeting to learn more. (920) 674-6255 | www.rainbowhospicecare.org 191413
EAT after 50
HOW TO
As people age, their dietary needs begin to change. Foods that were once staples of your diet as a youth may be restricted once you hit a certain age, while other foods you may have always avoided may now be necessary to fuel and support a healthy body. Eating healthy foods and exercising may not be enough to sustain health, as hormonal changes and other health effects as a person reaches age 50 can have a profound impact on his or her nutritional requirements. The following are a few things men and women over 50 may want to consider as they look to eat a healthy diet for years to come:
Vitamin D
Both men and women age 50 and up have a reduced ability to produce vitamin D through exposure to the sun. Extra vitamin D will be needed from foods and supplements. Everyone over the age of 50
should take a daily vitamin D supplement of 400 IU, according to current guidelines. Without adequate vitamin D, bone strength and health can deteriorate because vitamin D promotes calcium absorption. Vitamin D also has other roles, including helping neuromuscular and immune function and reducing inflammation.
and women need more protein in their diets to maintain their muscle mass. The amount of protein needed at a younger age no longer may be adequate. Look for lean sources of protein from fish and poultry. Beans are also a low-fat source of protein that can help fulfill daily protein requirements.
Friendly fats
More fiber
People over age 50 should increase their intake of unsaturated fats and reduce consumption of saturated fats. Nutrientrich unsaturated fats can guard against heart conditions, protect against stroke, keep skin supple, and even help men and women maintain good neurological health. Omega-3 fatty acids can be found in nuts, olives, seeds, and fatty fishes.
Increase protein
According to Christine Gerbstadt, M.D., RD, a spokesperson for the Academy of Nutrition and Dietetics, as they age, men
Eating more fiber can help with digestive and intestinal problems, such as constipation. Constipation can occur when fiber intake is not enough, coupled with a more sedentary lifestyle. The best way to get fiber is through diet. Leave the skins on fruit and vegetables and choose whole fruits over juices. Whole-grain breads and cereals also are good sources of fiber. Dry beans and lentils can add a fiber boost. Always increase fiber slowly to determine your tolerance.
Dietary recommendations change for people age 50 and older. As people age, they need more protein, more fiber and less calories. FILE PHOTO Living Senior
• see DIETARY
TIPS page 16
LIVING SENIOR • SUMMER 2015
Dietary tips to stay healthy and strong
11
for Every O Occasion...
Did you know?
Royal Treat 50¢ Off ANY ROYAL TREAT WITH THIS COUPON
Burlington Dairy Queen 324 S. Pine St., Burlington • 763-9385
206510
Limit one Royal Treat Offer good at Burlington Dairy Queen Offer good through June 30, 2015
Baby Boomers make up the largest generation of Americans born in United States history. Boomers include anyone born between the years 1946 and 1964, as the number of births began to rise as World War II veterans returned home from battle. The greatest number of Baby Boomers were born in 1957, when numbers peaked at 4,300,00. That equates to roughly eight children born per minute throughout the year. By 2019, the last of the Baby Boomers, or those born in 1964, will be eligible for many senior benefits offered to people age 55 and up. Ten years later, most will be eligible for retirement. (METRO CREATIVE)
REILLY-JOSEPH COMPANY
AffordAble Housing for seniors Pay Only 30% of Gross Income for Rent!
LIVING SENIOR • SUMMER 2015
1 Bedroom, Appliances, On-Site Management, Locked Lobby
12
Courtyard Apts. 62+ 12250 W. North Ave., Wauwatosa Hampton Regency 62+ 12999 W. Hampton Ave., Butler Southgate Square 62+ 3775 S. 27th St., Milwaukee Surlow Senior Residences 62+ 2964 N. Bartlett Ave., Milwaukee Oakview Manor 62+ 4720 Byrd Ave., Racine Washington Court 62+ 5101 Wright Ave., Racine Bayview Manor 62+ 740 E. Linus St., Milwaukee
Professionally Managed by Reilly-Joseph Company Please call 414-271-4116 for an applicantion! EHO www.lowincomerentalsmilwaukee.com
180338
REBOUNDING from a late start to retirement savings Some people do not have the ability to begin saving for retirement early on. Others may have brushed retirement savings aside for so long that they are now worried that it’s too late to begin socking away money for retirement. While it’s best to start saving for retirement as early as possible, the good news is that it’s never too late to start planning for retirement. If your 40th birthday has long passed and you’re finally thinking ahead to retirement, consider these catch-up strategies. Research tax-advantageous retirement savings plans A financial planner can point you in the right direction, or consult with your employer about employee programs. Deposit money into a 401(k) or 403(b) plan or another retirement vehicle. Jump on any opportunities when your employer matches invested funds. Investigate an IRA and find out if there are any government incentives. Depending on your age, you may be able to deposit more money into such accounts than other investors. Cut back on expenses Cutting back on unnecessary expenses is a great way to save more money for retirement. Figure out where you can save some money you can then allocate to retirement savings. Maybe you can reduce insurance coverage on an older car or raise your deductible? Downsize cable packages or skip that costly cup of coffee on the way to work. Perhaps it’s time to look for a smaller, less expensive home or a compact car instead of an SUV. Any money saved now will benefit you when the time comes to bid farewell to the workforce.
Consider more aggressive funds Even if you are 50 you still have a few decades before retirement, which leaves lots of time to grow your retirement savings. But you may want to consider more aggressive funds that can help you catch up more quickly than less aggressive investments. Just know that aggressive funds may also leave you susceptible to substantial losses. Don’t amass debt If you’re saving for retirement, but only paying minimum balances on your credit cards, then you’re not really saving. Pay down credit card debt before you begin to set aside money for retirement. Delaying retirement planning may mean you have to work a little harder to build up a solid reserve. But by following some financial tips and persevering, you can still enjoy retirement with security. (METRO CREATIVE)
FILE PHOTO Living Senior
Many people get a late start when it comes to retirement saving, but there are ways to make up the difference. It just takes a little discipline and smart money decisions to get back on track.
LIVING SENIOR • SUMMER 2015
Delay your retirement Many people who retire find themselves bored and looking for ways to fill their time, and as a result more and more people are delaying their retirement, which also gives them more time to save for that day when they do call it quits. If you want to work less, discuss and negotiate a phased retirement with your boss that allows you to stick with your employer, but gradually work fewer hours until you retire completely. You may be able to work part time for several years and retire when you’re most comfortable.
13
MEDICARE ADVANTAGE Seniors eligible for Medicare are also eligible for Medicare Advantage, a program that lets them sign on with a private insurance carrier that then gets paid by Medicare to take care of them. It’s popular; more than 16 million, or about a third of Medicare-eligible seniors, chose this option. MA is a win-win for enrollees and insurers because it moves away from the fee-for-service model and toward a preventative care form of health care. Certain people in Washington, however, decided they were paying too much to the private insurers for some of the benefits and preventative measures, so, as part of the quest to find money to pay for other Washington priorities, they decided to cut the MA payments. In the last two years, they’ve cut almost 10 percent and they are proposing more cuts in
could get cut
2016 and beyond. A just-released study by Oliver Wyman indicates that by 2016 these cuts will raise the premiums for 1.1 million seniors in New York an average of more than $120 a month. Two million seniors in California will see an increase of more than $100 a month and 1.5 million in Florida will pay more than $80 more a month for MA. That’s a big increase for people whose resources are already stretched. RetireSafe, a national grassroots organization that advocates and educates on behalf of America’s seniors, sent an email to its supporters asking them what they thought about these cuts to MA. It was inundated with replies; one responder said, “As a senior utilizing a Medicare Advantage program, I have already seen my benefits slashed.”
Another said, “For one thing, it advocates ‘prevention’ rather than ‘after the fact’ usage of medical coverage. The SilverSneakers program keeps elders up and moving.” Even many members of Congress seem to be having second thoughts about these cuts, both Republicans and Democrats; 239 from the House and 53 from the Senate signed a letter saying the cuts should be stopped. Americans of all ages and either party are asking their legislators where they stand on this issue. Seniors can help by calling their representative and senators and tell them not to cut Medicare Advantage. Go to medicarechoices.org/contactcongress to find their numbers. To learn more about the problem and how to be a part of the solution, go to www.RetireSafe.org. (NAPS)
Meet Your Friends at Geneva Crossing! Lake Geneva’s Premier 55+ Neighborhood
Have
the
have the
of a Talk Talk Lifetime Lifetime of a
SM
SM
You talk about many things with your lovedHave ones: from day-to-day details to You big events. Sharing storiestalk with those who matter most isn’t just important today; it
the
about many things with your loved ones: from day-to-day details to
of a Talk Lifetime
big events. Sharing stories with those who matter most isn’t just important today; it will be will be especially signifi cant when it’s time to honor and commemorate your lives.
14
Memorialization atMemorialization the end ofatlife is more it used tobe. be. It can ect alifeperson’s the end of life is than more than it used to It can reflect refl a person’s story and be transformative, healing andcomforting. comforting. life story and be transformative, healing and
The Terraces & Highlands
Meaningful memorialization starts when loved ones talk about what matters most: memories
Active Senior Living 55+
Meaningful memorialization when loved talk about what matters most: made, lessons starts learned and how they hope ones to be remembered. memories made, lessons learned and how they hope to be remembered. Download a free brochure and Have the Talk of a Lifetime today. It can make the difference of a lifetime. and Have the Talk of a Lifetime today. It brochure
Arbor Village & Village Glen
Download a free t a l k o f a of l i f eat ilifetime. me.org can make the difference
Assisted Living and Memory Care Neighborhood
t alko f alifet im e .o rg
www.genevacrossing.com
SM
You talkFamily Funeral Homes Daniels
262-248-4558
about many things with your loved ones: from day-to-day details to big events. Sharing stories with those who matter most isn’t just important today; it will be
especially significant when it’s Home time to honor and commemorate your lives. Schuette-Daniels Funeral Polnasek-Daniels Funeral Home
625 Browns Lake Dr., Burlington, Wis. 908 11th Ave., Union Grove, Wis. Memorialization at the end of life is53105 more than it used to be. It can reflect a person’s life 204140
LIVING SENIOR • SUMMER 2015
especially significant when it’s time to honor and commemorate your lives.
(262) 763-3434 story and be transformative, healing and comforting.
burlington@danielsfamilyfuneral.com
(262) 878-2011
uniongrove@danielsfamilyfuneral.com
Meaningful memorialization starts when loved ones talk about what matters most: memories www.danielsfamilyfuneral.com made, lessons learned and how they hope to be remembered. Download a free brochure and Have the Talk of a Lifetime today. It can make the difference of a lifetime. talkofalifetime.org
191526
Senior living options abound
Determine the fees associated with a community Can Medicaid or long-term care • see OPTIONS page 16
Senior communities may have amenities that appeal to a wide variety of interests. These can include beach access or golf courses to enjoy with the grandkids.
FILE PHOTO Living Senior
LIVING SENIOR • SUMMER 2015
Senior living communities often present an affordable and comfortable option for adults over the age of 55. Filled with like-minded and similarly aged residents, these communities can be the right fit for individuals no longer interested in or capable of taking care of a larger home. Senior communities are located all across the country. Finding one that meets your needs takes only a little research. Although they are often moderately priced and offer a variety of amenities, senior living communities sometimes suffer from a bad reputation. But such communities are not the “old age homes” that some people purport them to be. Rather, they’re entire living neighborhoods that cater to the needs of an active resident base. These communities can range from independent living private homes or condos to managed care facilities. Residents may be able to enjoy organized outings, recreation, shopping, and socialization without having to venture far from property grounds. Some communities offer food services or an onsite restaurant. Fifty-five and older communities offer conveniences that many find irresistible. They’re frequently located close to shopping, dining and healthcare providers. Taxes, insurance, utilities, and maintenance expenses may be covered in one fee. Clubhouses, golf courses, lakes, card rooms, and many other offerings are designed to appeal to residents of many ages. Now that baby boomers have reached the age where retirement communities are a consideration, there has been an influx of interest. Those considering a move to one of these communities should research some information before purchasing a unit.
15
• DIETARY
TIPS from page 11
Fewer calories
The National Institute on Aging says women over the age of 50 need between 1,600 and 2,000 calories, depending on how physically active they are. Men need between 2,000 and 2,400 calories per day. With each passing year there is a decrease in the energy required to maintain body weight, so caloric intake should be adjusted accordingly.
More water
As a person ages, his or her body may not signal it is thirsty as well as it once did, so it’s possible that you may not recognize when you are thirsty or dehydrated. The Mayo Clinic recommends around nine to 10 cups of beverages per day to remain hydrated. Eating healthy and changing one’s diet is important as a person ages, as dietary needs at age 50 may be quite different from what they were at age 30.
• OPTIONS from page 15
insurance pay for all or a portion of the fees? Which types of services does the monthly fee cover? Who is eligible to live in the community? Some restrict all residents to a particular age, while others do not. Rules may be in effect that include an age cutoff limit. Investigate the types of residents and who would be your immediate neighbors What percentage of people live in the community all year long, and how many are part-time residents? Look into the particular homeowner’s association rules Bylaws may indicate that the property must be kept in a certain manner. You may not be able to paint exterior items a certain color, nor put up fencing or set up outdoor patio furniture. Get the details before you sign anything. Is this the type of community where you can age in place?
Meaning, are there separate accommodations if you eventually need assisted living care? Some communities offer living options that vary depending on residents’ ages. Be sure there are activities or amenities that appeal to you You eventually want to find your niche and get together with a group of friends who share the same interests. You may want to find a community close to your children or other relatives This way you will not have to travel far to visit others, and they will be able to visit you easily in return. Some communities are gated, which can increase feelings of safety If this is a priority, look for housing under security. Following these guidelines can mean discovering a community where anyone can feel comfortable for years to come. (METRO CREATIVE)
(METRO CREATIVE)
You want the best for Mom. Services from Society’s Assets help maintain independence and safety at home for seniors and people with disabilities.
LIVING SENIOR • SUMMER 2015
uPersonal Care, Companionship, Respite uHousekeeping, Shopping, Appointments uCare for Persons with Alzheimer’s Disease uMedication Reminders, Post-Hospitalization uCertified Wisconsin Medicaid Personal
16
Care Provider, Also Payment by Private Pay, Some Long Term Care Insurance, Veterans Benefits Call to arrange a FREE in-home needs and safety assessment for a senior or person with a disability. uwww.societysassets.org
(800) 378-9128
Serving Racine, Kenosha and Walworth Counties
Come Make Yourself at Home! Where an Active Lifestyle Is Affordable for Adults 55 or Better Office Hours: Mon., Tues.Thurs., Fri. 8:30 to 1:00 p.m.
Stop by or call today for an appointment! 317 S. Main Street, Delavan, WI 53115 • One or Two Bedroom Apartments • Heat, Water & Sewer Included • Laundry Room on Each Floor • Heated Underground Parking
• 3-Story with Elevator Service • Controlled Entrance • Newly Decorated Community Room with Kitchen • Many Activities • A Pet Friendly Community
(262) 728-9948 Located just 2 Blocks South of Historic Downtown Delavan Professionally Managed by Oakbrook Corporation
Like us on 204453
204452
With a few security additions such as improved lighting and an alarm system, many seniors can safely stay in their home.
A SECURE Tips to keeping seniors safe at home
Safety is a big concern for seniors and their families, especially as more baby boomers are embracing aging at home. Homes they’ve owned for decades that were perfect for raising children may not be as accommodating for people who may suffer from poor eyesight, unsteady balance or memory issues. Many home updates can help protect senior family members, allowing them to enjoy their homes for many more years. These tips will help protect the privacy and safety of older residents. Home exterior security A security alarm system is always a good idea, and many will also connect to fire protection services as well. Sliding and patio doors are among the least secure entrances
FILE PHOTO Living Senior
to a home, so install a Master Lock 265DCCSEN Door Security Bar to resist any type of forced entry into the home.
traveling around the world or even to visit grandchildren. For important documents like wills and legal documents, a fire-resistant safe from Sentry Safe is a good option.
Keep extra keys secure Many family members of seniors like to have access to a home so they can check on their loved ones. Instead of hiding the keys under a fake rock in the yard, protect them with a Master Lock 5422D Key Safe. The safe attaches over the door handle for easy accessibility and requires a four-button push code to reveal the keys. It’s also great for emergency situations if a family member accidentally locks the keys inside the house on a cold night.
Create a flexible schedule Because they’re retired, seniors are able to leave the house for different activities during the day. Oftentimes, seniors will get into a regular schedule like meeting a group of friends for breakfast at 7 a.m. every Tuesday. Create an irregular schedule for your weekly activities so people won’t be able to anticipate when you’re home or away.
Install security lights Exterior lights help discourage unwanted guests, so install additional lights on all sides of the home and out in the yard’s landscaping. You can install motion-sensor lights if you don’t want them shining all night long, but you might notice nighttime critters like owls and raccoons will set the lights off. Give valuables a safe home Many baby boomers have accumulated a lifetime of treasures with real and sentimental value. Smaller items like jewelry, credit cards and cash can easily be stored in the portable Master Lock 5900 SafeSpace, which is perfect for
Digital safety is important, too In today’s digital world, computer passwords are the keys to valuable personal information. It is recommended that you use a unique smart password – one that contains capital and lower case letters, numbers and symbols – for every digital account. It’s difficult for most people to remember multiple passwords so many write them down, which can make them vulnerable to theft. The Master Lock Vault is a free, digital safe deposit box perfect for securing passwords, credit card numbers and digital copies of important documents, and it can be accessed from a smartphone at any time. With these security tips, seniors can enjoy spending many more years – comfortable and safe – in their homes. (BPT)
LIVING SENIOR • SUMMER 2015
feeling
17
Special Senior Citizen DiSCount every tuesday!
Luxury Senior living at its best... with a personal touch. Where an active lifestyle is affordable. IMMEDIATE OCCUPANCY For an appointment, call Mary Ann Glowinski at (262) 642-4800. 3223 North Street East Troy, WI 53120 heritageeasttroy@oakbrookcorp.com 158654
2 Great Locations to Better Serve You... Lake Geneva PiGGLy WiGGLy
100 East Geneva Square Lake Geneva, Wisconsin 53147 In the Geneva Square Shopping Center Phone: 262-248-8798 Fax: 262-248-1688
DeLavan PiGGLy WiGGLy
1414 E. Geneva Street Delavan, Wisconsin 53115 South of Hwy. 50 (Shopko Shopping Center) Phone: 262-728-2638 Fax: 262-728-5930 Liquor Store (next door): 262-740-0541 169788
Senior Living Never Looked So Good!
ApartmentHomesforThose 62&Better
ApartmentHomesforThose 55&Better
1940 27th Ave., Kenosha
1920 27th Ave., Kenosha
LIVING SENIOR • SUMMER 2015
Villa Ciera Apartments
18
262-597-5430
lease@horizondbm.com www.horizonseniorhousing.com **Income Restrictions May Apply**
Glenwood Apartments 262-551-0989
lease@horizondbm.com www.horizonseniorhousing.com **Income Restrictions May Apply**
170584
1001 S. Pine Street, Burlington WI 53105
• Private accommodations • Comprehensive emergency response system • Assistance with the activities of daily living (may include bathing, dressing, grooming) • LPN and RN on staff 24/7 • Supervision of oral medication • Incontinence assistance • Weekly housekeeping • Full range of activities 7 days a week with outings in the community • 3 meals daily • Utilities (except phone and cable) • Staff on premises 24 hours • Inpatient therapy • Laundry & housekeeping services For more information, please contact Mary Pearce (262) 767-1516 mpearcepinebrookpointe@yahoo.com 158749
R E T I R I NG I N 2 0 1 5 ?
You Your Money Your Future 431 Geneva National Ave S, Lake Geneva, WI 53147 | 262.686.3005 | 844.600.3008
Tyson Ray, CFP (left) Luke Kuchenberg, CFP (right)
www.formwealth.com Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC · Investment Advisory Services offered through Raymond James Financial Services Advisors, Inc. 190939
LUCK NOW COMES WITH ROOM SERVICE
PLAY, STAY AND GET LUCKY AT MILWAUKEE’S NEWEST LUXURY HOTEL, FEATURING DINING, BARS, LIVE MUSIC AND HIGH-ENERGY GAMING. YOUR FAVORITE PLACE TO PLAY IS NOW READY FOR YOUR STAY.
BOOK YOUR ROOM TODAY: 1-800-PAYSBIG
170135