Prime Times - January 27, 2022

PRIME TIMES

For those who weren’t born yesterday

WHAT'S INSIDE:

• Benefits of the great outdoors • A checklist for good health • Is it time to downsize?

• Active adult living communities • Most popular eBooks ... and much more!

A SPECIAL SUPPLEMENT TO TIMES BEACON RECORD NEWS MEDIA • JANUARY 27, 2022

PAGE S 2 • PRIME TIMES • TBR NEWS MEDIA • JANUARY 27, 2022

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JANUARY 27, 2022 • TBR NEWS MEDIA • PRIME TIMES • PAGE S 3

PRIME TIMES | REAL ESTATE

How to determine if it's time to downsize

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ndividuals work hard to save enough money to purchase their homes. And the hard work doesn’t end there. Once homeowners settle into a new home, they may set their sights on renovations that suit their individual needs. And even when buyers find a home that needs no such work, maintenance requires homeowners’ utmost attention.

All that hard work is perhaps one reason why seniors may be a little reluctant to downsize as they advance through their golden years. In addition to the sweat equity homeowners put into their homes, all the memories they’ve made within their walls can make it harder to put a home on the market.

Downsizing is a difficult decision that’s unique to each homeowner. Seniors who aren’t quite certain if downsizing is right for them can consider three key factors to make a decision that’s in their best interests.

Cost: Perhaps no variable affects senior homeowners’ decisions to downsize their homes as much as cost. No one wants to

outlive their money, and downsizing to a smaller home can help seniors reduce their monthly expenses by a significant margin.

Even homeowners who have long since paid off their mortgages can save substantial amounts of money by downsizing to a smaller home, apartment, townhouse or condominium. Lower property taxes, reduced insurance premiums and the need to pay for fewer repairs are just some of the ways downsizing can save seniors money.

Space: Many people love the extra space that single-family homes provide.

But seniors can take a walk through their homes and see how many rooms they still use on a consistent basis. If much of the home is unused, seniors can probably downsize without adversely affecting their daily lives.

Market: The real estate market is another factor to consider when deciding if the time is right to downsize. A seller’s market can help seniors get the biggest return on their real estate investment, potentially helping them make up for meager retirement savings.

Downsizing can be smart financially and give you a new lease on life, but it can also be an emotional decision to leave your home behind.

For example, home prices skyrocketed across the country during the COVID-19 pandemic, making that a great time for sellers to put their homes on the market.

Seniors selling to downsize may capitalize on such spikes since they won’t be looking to turn around and buy larger, equally expensive homes once they sell their current place. If the market is down and seniors can withstand the work and cost a little longer, it may be best to wait until things bounce back in sellers’ favor.

Downsizing requires careful consideration of a host of variables. No two situations are the same, so seniors should exercise due diligence to determine if downsizing is right for them. Read more on this topic on page S9. ◆

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PRIME TIMES | HEALTH

Navigating your health over 65

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aking care of your health, especially over age 65, requires an understanding of your personal needs. Proper medical care isn't one-size-fits-all, so finding the right services and providers may take some research and thoughtful consideration as it relates to your unique circumstances.

Consider these tips from the Centers for Medicare & Medicaid Services to find the right care for you: Stay on top of your health. An important part of managing your health is being aware of any current medical concerns or those that might affect you in the near future.

That's why it's important to stay on top of your health care needs - like preventive services that could help identify any issues early. Arming yourself with knowledge can help you be better prepared to make decisions about the type of doctors or health care providers you need and how they work with your health insurance.

Shop around. Choosing a health care provider can be time consuming and confusing. Medicare.gov makes it easy to

find and compare providers like hospitals, home health agencies, doctors, nursing homes and other health care services in your area that accept Medicare. On your laptop, tablet or mobile device, enter your location to search for local health care providers and services. A clean and uniform design makes it easy to review and compare providers.

Know what to look for. It's important to understand everything you're considering when searching for care for yourself or a loved one. Search filters allow you to personalize your search based on what's most important to you, like services offered, quality ratings, inspection reports and doctor affiliations. Other features include suggested next steps and checklists to help choose the best provider for you. Knowing what providers accept Medicare can also give you peace of mind.

Plan ahead. Don't put off researching your health care provider options. When you're feeling well is typically the best time to consider your health care needs. With a clear mind, you'll be able to thoroughly explore pros and cons about providers and facilities

and get the information you need to find the best fit for you, such as practice locations, specialties, contact information and more.

You can also save your favorite health care providers to refer to later when you're logged into your online Medicare account.

Make your wishes known. Whether you're planning ahead for yourself or finding care for a loved one, it's important to share your preferences with others who

are part of your care team. This might include sharing which doctors you like, what hospital you prefer or selecting a nursing home close to family and friends.

Planning for medical care can seem like a challenge. By keeping tabs on your health and using available tools to research your options and compare providers, like the resources at Medicare.gov, you can create a plan that best fits your needs. ◆

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PRIME TIMES | HEALTH

A checklist for good senior health and wellness

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taying healthy can get trickier as we age. Staying on top of senior wellness activities is important, but it can sometimes feel overwhelming.

Creating a list of health and wellness to-do's can help you stay organized, so you look and feel your best.

"Aging well is living well and it all starts with a combination of activities that can improve our mental and physical wellbeing," says Dr. Scott Kaiser, chief executive officer of Determined Health, member of the Tivity Health Healthy Aging Coalition and a physician specializing in geriatric medicine. "Although health and wellness may seem to get increasingly complicated with age, it doesn't have to be a struggle.

A few simple — and fun — steps can keep us on the healthy aging path. By taking a proactive approach and prioritizing health, seniors can live their best life."

Dr. Kaiser shares a simple senior-health checklist to help keep you or a loved one focused on wellness:

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ANNUAL PHYSICAL:

Everyone's health is different. Even if you see specialists for certain conditions, it's typically recommended to get an annual physical with your primary physician.

This is an opportunity for important health screenings that may include tests to evaluate blood pressure, cholesterol, diabetes, bone density and more. It's also a good time for you to ask any questions and discuss concerns.

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VACCINATIONS:

If you smoke, try to quit. The Centers for Disease Control and Prevention has tips for how to get started.

Staying current on recommended vaccinations can help you stay healthy and limit the spread of disease. Cold and flu season has arrived, so now is the time to ask your doctor about getting an influenza vaccine if you haven't already. The risk of severe illness from COVID also increases with age. COVID vaccines are safe and effective in preventing severe illness and you can help protect yourself and the people around you by getting vaccinated.

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STOP SMOKING:

PHYSICAL ACTIVITY:

All seniors eligible for Medicare benefits through a Medicare Advantage, Medicare Supplement or group retiree plan may be eligible to join SilverSneakers at no additional cost and have access to live and on-demand virtual workouts, including nearly 2,000 activities and classes per week in a variety of lengths and formats. Visit SilverSneakers.com.

NUTRITION:

What you eat fuels your body and mind, so it's important to pack your pantry and refrigerator with wholesome foods. Stock up on fruits, vegetables, lean meats, whole grains, beans and low-fat dairy. Then explore recipes you can try to experience new flavors and keep mealtime exciting. If you need help or have strict dietary concerns, consider working with a nutritionist.

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SOCIAL CONNECTION:

Maintaining friendships and connecting with others is an important component to supporting physical, mental and emotional wellness. Set up coffee with friends. Join community groups. Check out social engagement opportunities where working out with a group of peers can build friendships and community.

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BRAIN HEALTH:

Cognitive decline can occur as you age, so it's important to be proactive to help support brain health through mental stimulation. Read books. Join a weekly game group. Check out GetSetUp, new for SilverSneakers members in participating health plans. This program provides an online learning platform designed specifically for seniors with a wide range of live video classes — over 2,000 hours per week on more than 1,800 topics — to support mental enrichment.

The start of the calendar year is the perfect time to start checking these items off your list for better health!

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MENTAL HEALTH:

Although prioritizing mental health is now more widely accepted, it still can be a challenge for older adults to admit they need help. Talk with your doctor about how you feel and mental health concerns you may have. There are many ways to help with a variety of mental health concerns, including learning mindfulness techniques to reduce anxiety, seeing a therapist and medication.

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DENTAL HEALTH:

Poor dental health can potentially lead to problematic infections. Plus, if problems with your teeth make it difficult for you to chew, it can be harder to eat all the foods you need to nourish yourself. Brush your teeth twice daily, floss, and see a dentist for regular checkups. ◆

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PRIME TIMES | REAL ESTATE

Consider active adult living communities when seeking to downsize Residents in active adult living communities enjoy country club settings with many amenities.

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ousing needs may change as adults grow older and their children move out. Adults nearing retirement may want to reduce their cost of living and could find a big house is more than they need at this stage in life.

According to the financial management resource The Motley Fool, in 2019 48 percent of seniors planned to downsize, while 52

percent wanted to remain in their existing homes.

A lower cost of living could be the primary motivator to sell, but less house to maintain and the extra free time that comes with fewer chores can be powerful motivators as well.

Many adults age 50 and older consider adult communities when seeking to downsize their homes. Senior home options are categorized based on the level of care they provide. “Active adult living” is a relatively new option that reflects a growing desire for residences that afford aging adults a chance to downsize their homes and engage in their favorite activities.

Active adult living, leisure living or active adult communities include single-family homes, townhouses, condominiums, and other housing options within a community that offers an array of amenities and services.

According to Retirement Living, residents in active adult living communities enjoy country club settings with many amenities like swimming pools, clubhouses, golf courses, exercise centers, walking trails, computer labs, hobby centers, and even on-site restaurants.

Active adult living communities may provide transportation options and have their own travel clubs. Though active adult residences do not typically provide medical services, many communities are conveniently located close to local shopping centers and complexes, ensuring that the doctor’s office is not that far away.

Other features of active living covered by homeowner’s association fees include outdoor maintenance like landscaping, snow removal and sanitation services.

Security, internet service and cable also may be included in the monthly fees. Active

communities emulate the benefits afforded by all-inclusive vacations, where day-today details are handled by management so residents can focus on fun and leisure.

Unlike general neighborhoods, seniors may appreciate active living communities because they have access to an array of services within the community. Some promote a resort vacation feeling, while others may focus on sports or cultural life.

What’s more, since age is restricted, residents know that many people in these communities have shared experiences.

Active adult communities also are amenable to adults who like to travel.

Residents get the peace of mind to lock up their homes and leave knowing lawns will still be mowed and shrubs trimmed — removing signs that the residence is unoccupied. This is an ideal situation for a snowbird who spends time in a different location for part of the year.

Active adult living is the relatively new kid on the block for senior communities, filling an important niche for independent retirees and near-retirees. ◆

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JANUARY 27, 2022 • TBR NEWS MEDIA • PRIME TIMES • PAGE S 11

PRIME TIMES | FINANCE

Why it's important for seniors to maintain good credit

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he benefits of maintaining good credit include looking more reliable in the eyes of prospective employers and securing lower mortgage interest rates when buying a home. Those rewards can benefit anyone, but they’re especially enticing to young people. But what about seniors? Do individuals stand to benefit significantly from maintaining good credit into their golden years?

According to the credit reporting agency Experian, senior citizens tend to have the best credit scores of any consumer demographic. That could be a byproduct of years of financial discipline, and there are many benefits to maintaining that discipline into retirement.

Unforeseen expenses

Home buying and borrowing

Buying a home is often considered a big financial step forward for young people, but that doesn’t mean aging men and women are completely out of the real estate market.

In its 2020 “State of the Nation’s Housing” report, the Joint Center for Housing Studies of Harvard University reported that the share of homeowners age 65 and over with housing debt doubled to 42 percent between 1989 and 2019. In addition, 27 percent of homeowners age 80 and over were carrying mortgage debt in 2019.

Maintaining strong credit after retirement can help homeowners who still have mortgage debt get better terms if they Tax season isn’t something most people look forward to, particularly if they suspect they owe money. However, a few tax prep tips can make the process of filing a return and, if necessary, paying back taxes as pain-free as possible.

4 tax prep tips

1. Call your tax preparer early. If you use an accountant or another tax preparer, be sure to book the appointment as soon as possible because slots fill up quickly. You don’t want to wait until the last minute and find there are no remaining appointments.

2. Establish a tax preparation folder.

Beginning in January, certain documents will arrive in the mail that will be needed to file your taxes. Documents include earnings statements, banking interest statements and documents indicating investment profits. When items arrive, stash them in your tax folder so you’ll have all necessary paperwork at the ready.

choose to refinance their mortgages. Even seniors who have paid off their mortgages can benefit from maintaining good credit if they decide to downsize to a smaller home but cannot afford to simply buy the new home outright.

other expenses associated with traveling.

Seniors who maintain strong credit ratings into their golden years may have more access to the best travel-based rewards cards than those whose credit scores dip in retirement.

No one knows what’s around the corner, but savvy seniors recognize the importance of planning for the unknown. The COVID19 pandemic seemingly came out of nowhere, and among its many ripple effects was the sudden job loss experienced by seniors.

The JCHS report found that 21 percent of homeowners age 65 and over had reported loss of employment income related to the pandemic. Unforeseen medical expenses also can compromise seniors’ financial freedom. Maintaining a strong credit rating into older adulthood can help seniors navigate such financial uncertainty more smoothly. Such a strategy can help seniors secure low-interest loans or credit cards that can help them pay down sudden, unforeseen expenses without getting into significant debt.

The importance of a strong credit rating is often emphasized to young people.

However, a strong credit rating can be equally beneficial for seniors. ◆

Rewards

Retirement is often associated with travel, recreation and leisure. Such pursuits can be more affordable when seniors utilize rewards-based credit cards that help them finance vacations, weekend getaways and 3. Avoid tax scams. As tax season draws near, tax scammers target unsuspecting individuals. You may find that you receive calls or texts from those purporting to be with the Internal Revenue Service.

However, financial experts say that the IRS or the U.S. Treasury will never call you on the phone; their mode of contact is via the U.S. mail. Another scam is individuals advertising a bigger refund when you use their services. This is not how tax laws work nor is it possible to get a return larger than what is owed. Avoid anyone promising a bigger return.

4. Consider increasing health spending account contributions. Lisa GreeneLewis, a blog editor at TurboTax, says HSAs are triple tax-advantaged, meaning you get an “above-the-line” deduction for contributing, and the growth in these accounts as well as withdrawals are taxfree if used for qualified health expenses.

If you need to lower your tax burden, HSAs may be a safe and legal way to do so.

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PAGE S12 • PRIME TIMES • TBR NEWS MEDIA • JANUARY 27, 2022

PRIME TIMES | BOOKS

Let us plan your legacy.

EBooks and audiobooks maintain popularity

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Kristin Hannah's 'The Four Winds' was the most requested eBook and audiobook among Suffolk County library patrons in 2021.

ibraries continue to provide a vital service to their communities during the COVID-19 pandemic. Readers around the world discovered or rediscovered a love of reading thanks to library digital lending of eBooks and audiobooks, which allowed them to safely seek and enjoy books from home.

Live-brary, consisting of 56 libraries in Suffolk County, recently announced it surpassed two million digital checkouts in 2021. The Public Libraries of Suffolk County have been providing readers 24/7 access to eBooks and audiobooks for several years through OverDrive and its awardwinning Libby reading app. Reader interest has grown every year.

The top five eBook titles borrowed through Live-brary’s digital collection in 2021 were: 1. The Four Winds by Kristin Hannah 2. The Midnight Library by Matt Haig 3. The Last Thing He Told Me by Laura Dave 4. The Vanishing Half by Brit Bennett 5. Anxious People by Fredrik Backman

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1. The Four Winds by Kristin Hannah 2. The Midnight Library by Matt Haig 3. A Promised Land by Barack Obama

4. The Vanishing Half by Brit Bennett 5. The Last Thing He Told Me by Laura Dave The top five Young Adult eBooks Suffolk County borrowed in 2021 were: 1. Five Total Strangers by Natalie D. Richards 2. Shadow and Bone by Leigh Bardugo 3. Midnight Sun by Stephenie Meyers 4. A Court of Thorns and Roses by Sarah J. Maas 5. We Were Liars by E. Lockhart The top children's eBooks that Suffolk County patrons borrowed in 2021 were: 1. Diary of a Wimpy Kid: The Deep End

by Jeff Kinney 2. Dog Man Mothering Heights by Dav Pilkey 3. Guts by Raina Telgemeier 4. Cat Kid Comic Club by Dav Pilkey 5. Harry Potter and the Prisoner of Azkaban

by J.K. Rowling Residents in Suffolk County just need a valid library card to access digital books from Live-brary’s OverDrive-powered digital collection.

Readers can use any major device, including Apple®, Android™, Chromebook™ and Kindle® (U.S. only). Visit livebrary. overdrive.com or download the Libby app to get started and borrow eBooks and audiobooks anytime, anywhere.◆

JANUARY 27, 2022 • TBR NEWS MEDIA • PRIME TIMES • PAGE S 13

PRIME TIMES | LEISURE

Head to the great outdoors for better health

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he great outdoors beckons people of all ages. Fresh air can be hard to resist and the benefits of spending time outdoors are so numerous that it behooves anyone, including seniors, to answer the call of nature.

According to researchers with the U.S. Department of Agriculture’s Forest Service, human beings benefit both physically and psychologically from spending time in nature. Such experiences can reduce stress and help lower heart rates, potentially decreasing individuals’ risk for cardiovascular disease. In addition, the Forest Service notes that spending time outside in green spaces has been linked to a lower risk of depression.

Seniors who are retired or even aging empty nesters who are still in the workforce can make great use of their free time by venturing into the great outdoors. The following are a handful of senior-friendly outdoor activities that provide a great reason to get off the couch and take in all that Mother Nature has to offer.

HIKING: Hiking provides a great workout and an ideal opportunity to spend time in an idyllic setting. The U.S. National Park Service notes that hiking helps individuals build stronger muscles and bones, improves their sense of balance, has a positive effect on heart health, and can decrease the risk of certain respiratory problems. Hiking is an especially attractive outdoor activity for seniors, as many parks feature trails with varying degrees of difficulty, ensuring there’s a trail for seniors whether they’re seasoned or novice hikers.

WATER AEROBICS: The Centers for Disease Control and Prevention notes that water-based exercises can be especially helpful individuals with chronic diseases, a category many seniors fall into. The CDC notes that one study published in the journal Arthritis & Rheumatology found that improves the use of joints affected by arthritis without worsening symptoms. The U.S. Department of Health and Human Services also notes that swimming can lead to improved health for people with diabetes

and heart disease. Seniors can reap these benefits in the summer by going for a dip in their own backyard pools or a local body of water, such as a lake or ocean. Many swim clubs also offer discounted memberships to seniors, making these another great and affordable way to reap the benefits of swimming.

FISHING: Of course not all outdoor activities need to make seniors huff and puff.

Fishing provides a great reason to get outdoors, and many individuals devoted to fishing report feeling less stressed after a day spent casting for their favorite fish. Individuals who consume what they catch also can benefit by improving their diets, as the American Heart Association notes that consuming certain types of fish has been linked to a lower risk for heart disease and obesity.

VOLUNTEERING: Local environmental groups often sponsor cleanups at parks and waterfront attractions like beaches and lakes. Volunteering with such organizations is a great way to get outside and give back, and working with like-minded individuals can be a great way to meet new people.◆

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Qualities to look for in the perfect post-retirement job

he notion of relaxing on a beach all day in one’s golden years is still a retirement dream for millions of adults across the globe. But many individuals also harbor a desire to keep working after retiring. Whether it’s a volunteering gig or a part-time job retirees are looking for, certain qualities can make an opportunity uniquely suited to a post-retirement job.

FLEXIBILITY: Retirees may be looking to contribute to their communities or simply earn a little spending money, but they will likely still want the freedom to travel or spend time with their families whenever they choose. So flexibility is something to look for in a post-retirement job. This is what makes consultant work so attractive to retirees. In-person hours may not be required of consultants, who can then offer their input while visiting their grandchildren or traveling the world.

SOCIALIZATION: Though the ability to work from home can make it easier for retirees to earn some extra money, some seniors aren’t concerned about their finances but want to work so they can get out of the house. In that case, look for a job that offers the opportunity to socialize and meet new people. Socializing as an older adult is a great way to fend off loneliness.

A study published in the journal of the American Public Health Association found that social support networks have a positive effect on cognition among older adults. So a post-retirement job that enables retirees to

socialize could delay or reduce the severity of age-related cognitive decline.

ENGAGEMENT: A job seniors find engaging also is more likely to provide the types of benefits seniors are looking for in post-retirement work. For example, researchers at Boston College’s Sloan Center on Aging and Work found that seniors who find a job or volunteering opportunity truly engaging are more likely to benefit psychologically from those experiences than those whose post-retirement work is not engaging. If seniors find themselves simply going through the motions with their post-retirement work, they can look for opportunities that they can be more enthusiastic about.

PRESSURE-FREE: Regardless of what retirees did for a living prior to calling it a career, chances are they dealt with workrelated stress. In fact, the American Stress Institute reports that 83 percent of workers in the United States suffer from work-related stress. After a lifetime of confronting workrelated stress, individuals who want to work in retirement should look for pressure-free opportunities. This is an important quality, as the ASI indicates that stress has been linked to increased rates of heart attack, hypertension and other disorders.

The right post-retirement job may differ from what individuals looked for during their careers. Various qualities can combine to make for a post-retirement gig that benefits seniors in myriad ways.◆

JANUARY 27, 2022 • TBR NEWS MEDIA • PRIME TIMES • PAGE S 15

PRIME TIMES | HEALTH

How to maintain a healthy weight as you age

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alorie-counting and watching one’s weight is often seen as a young person’s game. But even aging men and women should recognize the importance of maintaining a healthy weight. Older adults may experience weight gain or unintentional weight loss. Understanding how to address each in healthy ways is important.

More than two-thirds of Americans, including adults age 65 and older, are overweight and obese, according to U.S. News & World Report. A combination of factors can contribute to weight gain in older adults, including a slower metabolism and a tendency to be more sedentary with age.

Empty nesters also may be less likely to cook

KRISTEN KLEIN, NP

their own meals, relying on convenience foods — some of which may be high in fat and/or calories.

Sustained healthy weight at any age is linked to improved heart health, mental health benefits like increased self-confidence, healthy joints, and much more. These tips can help aging individuals maintain healthy weights.

Incorporate strength or resistance training into your weekly routine. Hormone production slows down as the body ages, and that may result in a loss of muscle mass.

Lifting weights or engaging in resistance training with elastic bands or body weight can restore muscle tone and speed up metabolism. Adults should aim for strength training twice a week.

Monitor sugar and starch intake. Many older adults have elevated blood sugar levels due to insulin resistance. When cells become resistant to insulin, glucose doesn’t get used up and remains in the blood. Eventually this can lead to pre-diabetes, metabolic syndrome and type 2 diabetes. Many people with these conditions have a hard time losing weight. Avoiding added sugars and extra carbohydrates could help.

Practice portion control. A 60-year-old can’t eat the same way he or she did at age

JAMIE MOORE, NP

STACEY HILDEBRAND, NP

30 or 40. Nutritionists say that, with every decade that passes, people generally need about 100 fewer calories a day to maintain their weights. Cutting calories slowly and steadily helps people maintain healthy weights, especially when they couple this with exercise.

Malnutrition is a common component in unintentional weight loss in aging populations. Reduction in senses of small and taste, smaller appetites and lack of desire to make meals can contribute to malnutrition and weight loss. Underlying health problems also may lead to unwanted and unhealthy weight loss. Tracking weight loss and getting sufficient nutrients is vital to aging adults’ overall health.

A recent study published in the American Journal of Clinical Nutrition found that having a body mass index at the lower end of the recommended age for adults increased risk for mortality more so than being overweight. Individuals whose BMI is less than 23 could be putting themselves in jeopardy.

Older adults need to adjust their routines as they age in order to maintain healthy weights. Such adjustments can reduce seniors’ risk for disease and improve their quality of life.◆

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PAGE S16 • PRIME TIMES • TBR NEWS MEDIA • JANUARY 27, 2022

PRIME TIMES | CROSSWORD

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Untitled-1 1

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1. Cause for a duel 5. Nelson Mandela's org.

8. "____ in the shade" 12. Andean people's chew 13. "White Wedding" singer 14. Like a haunted mansion 15. South American tuber, pl.

16. Type of cotton fiber 17. Desired forecast?

18. *"The Underground Railroad" author 20. Like West Wing office 21. Not silently 22. "When We Were Kings" subject 23. Hand over (2 words) 26. Barbecued 30. The Jackson 5 1970 hit 31. Repressed 34. "Alice Doesn't ____ Here Anymore" 35. State of dishonor 37. Three, to Caesar 38. Brightest star in Cygnus 39. Performer's time to shine 40. "No.1 Ladies Detective ____" book series 42. African migrator 43. *"The Night Watchman" author 45. *"Little Women" author 47. Poor man's caviar 48. Analyze 50. Canter or gallop 52. *"A Farewell to Arms" author 56. Latin dance 57. Club on the links 58. Kind or courteous 59. Los ____, CA 60. Round feed storage 61. Not odd 62. Colonial times laborer 63. Band performance 64. Theodores, to friends

CLUES DOWN 1. Flat-bottomed boat 2. Scottish lake 3. Antioxidants-rich berry 4. Popular primo dish in Italian restaurant, pl.

5. Bye, to Edith Piaf 6. Wanderer 7. Garbed 8. *"Moby Dick" author 9. Length times width 10. Call someone, in the olden days 11. Poetic "ever" 13. Apple invention 14. Food contaminant 19. Run off to wed 22. Jean of Dadaism 23. Out of style 24. Find repugnant 25. Burn with coffee, e.g.

26. *Ursula K. Le ____ 27. Jargon 28. It happens at a certain time and place 29. First novel, e.g.

32. Near in space or time 33. Not a win nor a loss 36. *"Song of Solomon" author 38. *"Chronicles" author and songwriter 40. *NY Times bestselling author Atkins or playing card 41. Gambling venue 44. Smidgins 46. Young swan 48. Eagle's nest 49. Young salmon 50. *"Miss Lulu Bett" author 51. Highest adult male singing voice 52. Snake's warning 53. Take as a wife * THEME 54. Got A+ RELATED 55. Desires or cravings CLUE 56. Sticky substance

Answers to this puzzle are on page S22.

JANUARY 27, 2022 • TBR NEWS MEDIA • PRIME TIMES • PAGE S 17

PRIME TIMES | FITNESS

Active seniors can lower their injury risk with these four steps

P

hysical activity is one of the key components of a healthy lifestyle.

Though physical activity benefits people of all ages, it can be especially helpful for seniors by making it easier for them to overcome some of the obstacles associated with aging.

The CDC reports that physical activity is generally safe for fit individuals who are 65 and older and have no existing conditions.

Despite that, it’s best for any senior to consult his or her physician prior to beginning a new exercise regimen and can take the following steps to reduce their risk for injury.

to make them more challenging. Seniors can take on these responsibilities themselves, but are urged to begin slowly and gradually build up their exercise tolerance.

Don’t skip strength training.

Seniors may think lifting weights is for young people who want to look buff, but the AARP® notes that muscle-strengthening activities protect the joints, reducing seniors’ risk for injury as a result. The Department of Health & Human Services recommends seniors who have been cleared to exercise engage in strength training at least twice per week.

Warm up before working out

Seniors may think they don’t need to warm up before exercising because their workouts are not as high-intensity as they might have been when they were younger. But Harvard Medical School notes that warming up pumps nutrient-rich, oxygenated blood to the muscles and helps increase heart rate.

The American Council on Exercise reports that warming up helps reduce workoutrelated injury risk by improving tissue

Stretch after your workout.

elasticity. So prior to beginning a workout, regardless of how moderate- or low-intensity that regimen will be, seniors should warm up for five to 10 minutes.

Start with short sessions

Seniors excited by the prospect of working out must temper that excitement if they’re

not accustomed to physical activity. Such individuals should consider working with a personal trainer. Personal trainers design exercise regimens based on each individual client’s fitness levels and goals. As clients make progress and their bodies become acclimated to routine physical activity, personal trainers can then tweak regimens

Efforts to cool down after a workout, including stretching, can prevent muscle cramps and dizziness and lengthen muscles throughout the body, which improves range of motion. Harvard Medical School recommends holding each stretch for 10 to 30 seconds, as the longer a stretch can be held the more flexible individuals’ muscles will be.◆

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PAGE S18 • PRIME TIMES • TBR NEWS MEDIA • JANUARY 27, 2022

PRIME TIMES | FOOD

Law Office of Tara A. Scully, P.C.

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he dawn of a new year presents plenty of opportunities to look to the future. Resolutions are made each January, with most centering on ways to get healthy.

Not all resolutions need to be of the healthy, however. Once in a while it is fine to indulge, so a resolution to entertain more or to explore new baking opportunities can spice things up in the year ahead.

People aspiring to spend more time in the kitchen can celebrate winter baking and National Chocolate Cake Day (January 27) simultaneously.

This recipe for French Silk Cake from Classic Stars Desserts (Chronicle Books) by Emily Luchetti is for serious chocolate lovers. This fudgelike mousse cake pushes the opulence barometer right to the edge, stopping just short of excess.

French Silk Cake YIELD: Serves 12 INGREDIENTS:

Crust:

• 3/4 cup walnuts, toasted • 1 cup pecans, toasted • 1⁄2 cup firmly packed brown sugar • Pinch of ground cinnamon • 4 ounces (8 tablespoons) unsalted butter, melted

Filling:

• 11⁄4 pounds bittersweet chocolate, chopped • 6 ounces (12 tablespoons) unsalted butter, at room temperature • 3⁄4 cup granulated sugar • 6 large eggs • 1⁄4 cup heavy whipping cream • 1⁄2 teaspoon vanilla extract

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To make the crust: In a food processor, combine the walnuts, pecans, brown sugar, and cinnamon and pulse until the nuts are

coarsely chopped. Pour the nuts into a bowl, add the butter, and stir until the nuts are evenly moistened. Press the nut mixture evenly onto the bottom of a 9-inch round springform pan. Refrigerate for 30 minutes.

To make the filling: Melt the chocolate in a double boiler. While the chocolate is melting, combine the butter and sugar in the bowl of a stand mixer fitted with the paddle attachment and add the eggs two at a time, mixing well after each addition. Scrape down the sides of the bowl, increase the speed to medium-high, and whip until well blended, about 2 minutes.

The mixture will look curdled.

Remove the melted chocolate from the heat and stir until smooth and warm but not hot. With the mixer on low speed, add the chocolate to the egg mixture. Scrape the sides and along the bottom of the bowl and then continue to mix on low speed until the chocolate is fully incorporated. Add the cream and vanilla and mix until blended.

Spread the filling over the crust. Refrigerate until firm, about 3 hours.

To make the topping: In a bowl, whisk together the cream and sugar until soft peaks form. Cover and refrigerate until serving.

Using a spatula, spread the topping over the top of the cake. Run a hot, dry knife around the inside edge of the pan to loosen the cake, then remove the pan sides and set the cake on a serving platter. Slice the cake with a hot, dry knife and serve chilled.

JANUARY 27, 2022 • TBR NEWS MEDIA • PRIME TIMES • PAGE S 19

PRIME TIMES | LEISURE

Take the time to find new hobbies in retirement

L

eisure time can seem like a luxury for many adults.

While it can seem like there’s little time in the day to do more than tend to responsibilities at work and at home, people may have more time to pursue leisure activities than they realize.

In its recent American Time Use Survey, the U.S. Bureau of Labor Statistics found that 96 percent of people age 15 and over spent roughly one hour per day engaging in active leisure, which includes activities like drawing, playing an instrument and dancing, and more than two hours per day on passive leisure, such as watching television or reading books.

How people spend their leisure time might affect their perceptions about that time. For example, few people may consider watching television an “activity,” though the

American Time Use Survey found that watching TV occupied more leisure time, nearly three hours per day, than any other leisure activity. Finding new hobbies that encourage active participation can make leisure time more memorable.

Think back to your childhood. Hobbies you once

enjoyed as a child may have long since been forgotten, but it can be fun to reimmerse yourself in such interests. Adults who loved to play sports as a child can no doubt find adult leagues in their area, while once budding artists might want to dust off their easels and visit a local paint and sip facility.

Reinvent something you’re already doing. Another way to

find a new hobby is to consider the things you already do and see if there’s ways to make them better. For example, cooking for a

family each night might be made more enjoyable by enrolling in a cooking class, where you can meet fellow foodies while finetuning your culinary skills. If you love to read, start a community book club.

Other popular hobbies include online learning, volunteering, hiking, genealogy, photography, gardening, birding, foreign language study, writing, singing, bicycling and fishing.

Expand your horizons. It’s easy for anyone to say “no” to something new, but especially so for adults accustomed to their routines. But men and women who are willing to try anything are more likely to find something new to be passionate about than those who shy away from the unknown.

You don’t have to make a big initial commitment when trying a new hobby, but approach any new ideas

or suggestions with an open mind.

Finding a new hobby as an adult can be tricky. But approaching

activities with an open mind may help people uncover new hobbies they can be passionate about.◆

How to build new friendships in your golden years

M

aking friends as a child or even as a parent to school-aged children is relatively easy. Classrooms and school functions facilitate the building of friendships. Even as one gets older and enters the workforce, it’s not uncommon for people to become friends with their coworkers.

As people near retirement age, their situations may have changed considerably. Children have moved out, careers are coming to an end and friendships may be hard to maintain due to people relocating or traveling. Older adults may aspire to make new friends, but they may not know how.

According to Irene S Levine, Ph.D., The Friendship Doctor and contributor to Psychology Today, it is not unique for seniors to want to make new friends.

Age can be a barrier because there are stereotypes that pigeonhole people of certain ages. But Levine notes that state of mind and physical ability is not directly tied to chronological age.

Making friends is possible at any age.

These guidelines can help along the way.

contacting them online. Bring another person along, whether it’s a spouse or an adult child, to ensure that you are safe.

Volunteer your time

One way to meet new people is to get involved with causes or activities you love. This serves the double benefit of getting you outside and active and puts you in touch with people who share your passions and interests.

Attend alumni events

If you have an interest getting in touch with someone from your past and reconnecting, make the time to attend school reunions and other alumni activities. It can be fun to reconnect with friends from high school or college.

Explore online connections

A recent study published in the Journal of Gerontology found seniors (even those in their 80s) who stay connected with friends and family using social media report feeling less lonely and better overall. Connected seniors also demonstrated higher executive

reasoning skills. There are plenty of ways to meet new people online by joining social media groups that cater to your interests. In person meetings in particular cities or regions of the country also can make for great ways to make new friends. Exercise caution when meeting people in person after

Join a gym

The local gym isn’t just a great place to get physically fit. Group exercise classes also can be ideal places to meet other people who enjoy working out. Strike up a conversation with another class participant you see on a regular basis. Once you develop a rapport, schedule lunch dates so your friendship grows outside of the gym.◆

PAGE S20 • PRIME TIMES • TBR NEWS MEDIA • JANUARY 27, 2022

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JANUARY 27, 2022 • TBR NEWS MEDIA • PRIME TIMES • PAGE S 21

Tips for first-time RV drivers

PRIME TIMES | TRAVEL

R

The open road awaits: RV buyers' guide

A

recreational vehicle, also known as an RV or a camper, can be a worthwhile investment for people who want to travel at their leisure.

RVs offer the benefit of traversing the open road without having to sacrifice the comforts of home.

The RV market has been hot over the last couple of years as people have looked to RVing as a safe way to travel. According to the RV Industry Association, shipments of travel trailers and motorhomes were expected to hit their highest level on record in 2021, with more than 576,065 units sold by year-end.

Sizable purchases are seldom easy, and purchasing an RV is no exception. In addition to choosing the right vehicle, RV owners must learn maintenance, how to drive a large vehicle, towing, and campsite etiquette. Buying an RV is a long-term investment. These pointers can help the purchase go smoothly.

New or used?

Purchasing a used RV can help people save money. However, upgrades and repairs may be costly. New RVs have

The RV market has been hot over the last couple of years as people have looked to RVing as a safe way to travel. the latest technology and no risk of prior wear and tear. Insurance premiums will be higher for a new vehicle, and a new purchase can be expensive depending on the features chosen.

Figure out features and size

Take a hard look at what you are seeking in a camper. Do you want something that is just an alternative to tent camping? Are you interested in an RV that can sleep a crowd? Do you have a tow hitch and a vehicle capable of towing an RV? These questions and more will determine the style and size of the RV that’s right for you.

Class A RVs are large, bus-shaped rigs between 20 and 45 feet in length.

Class B are sleeper vans and are smaller than Class A. Class C rigs offer size but driveability and are built into a regular truck chassis. For trailer-style RVs, the options are foldable trailers, travel trailers, toy haulers, and fifth wheel trailers. They vary in size and features; but you’ll need a truck to tow them.

Usage frequency

When considering an RV, think about how often it will be used and where it will be stored when not in use.

Garage storage may be challenging on a larger rig, and some housing communities frown upon parking RVs in driveways. This may affect the size you choose as well as the features you need, according to KOA, the RV camp site leader.

Secure financing

As with other vehicles, shop around for the best rates on financing; you don’t necessarily need to go with the dealer. Also, when buying a trade-in or used rig, hire a third-party inspector to go over systems to ensure they’re in working order.

These are just a few things to consider when looking to purchase an RV. Buyers should do their homework to get a vacation vehicle that fits their needs and budgets.◆

ecreational vehicles, or RVs, provide a taste of home away from home for millions of people every year. RVs allow people to visit even the most remote locations without having to worry about finding food or lodging.

As welcoming as the interior of an RV can be, it’s also easy for first-time RV drivers to feel a little intimidated.

RVs are the largest vehicles many people will ever operate, and even long-time drivers will likely need some time to adjust. That adjustment period can go smoothly if drivers take steps to grow more comfortable behind the wheel before embarking on their trips.

Recognize that practice makes perfect. A cross country RV trip is a dream vacation for many people, but drivers must learn to crawl before they can walk. RVs are much bigger and heavier than cars and trucks, and practice runs can help drivers grow acclimated to that size.

Don’t begin a practice run without first noting the class and height of the vehicle. The online camper resource Camper Report notes that Class C RVs average 10 feet in height, while Class A RVs are typically between 13 and 14 feet tall. Measure the height of your RV prior to your first practice run so you can be sure you can make it beneath all overpasses on your route.

Take a companion along. Drivers behind the wheel of a car or truck may not give a second thought to driving in reverse or navigating their way around parking lots. But such situations require some forethought, and even a little help, when driving an RV for the first time. A traveling companion can direct drivers into and out of parking spots until they grow more acclimated to operating an RV. Utilize leveling blocks. RV leveling blocks help RVs stay level when parked on sloped surfaces. The RV experts at TheRVGeeks.com note that RVs need to be level in order for equipment to work properly. That’s problematic if you park at a campsite with uneven ground. Even if equipment is functional when parked on marginally sloped surfaces, navigating your way through an RV parked on such ground is inconvenient if not annoying. Leveling blocks also can keep jacks from sinking into soft ground, making them an inexpensive yet useful accessory for any RV trip.

Practice dumping your tanks. Drivers whose RVs have toilets will eventually need to dump their waste.

Drivers should practice this in advance of their first trip so they are practiced when the time comes to do it on the road. Tutorials on YouTube can teach drivers how to dump their tanks. Drivers also can invest in a highly rated, thick sewer hose to avoid being sprayed with waste while out on the road.

RV travel is a great way to experience the open road.

First-time RV drivers can try various strategies to get used to what it’s like to be behind the wheel of these unique vehicles. ◆

PAGE S22 • PRIME TIMES • TBR NEWS MEDIA • JANUARY 27, 2022

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Pain Institute of Long Island

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JANUARY 27, 2022 • TBR NEWS MEDIA • PRIME TIMES • PAGE S 23

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