GENERATIONS For a vibrant, ageless lifestyle
A Special Supplement to The Daily Republic & ADvisor August 2018
2
Generations
August 2018
Generations 3
August 2018
Retirement planning hack: Diversify investment portfolio
on the inside
Planning Hack................ 3 Innovative Features........ 4 Nutrition......................... 5 Prevent a Fall.................. 7 Grandchildren................ 8 Reunions......................... 9 Driving Risk................. 11 Retirement.................... 12 Family Caregiver.......... 13 Tech Savvy..................... 14 Benefit from One Another... 15 Layout & Cover Design by Ron Olson
By Sam Fosness The Daily Republic The complex world of planning your retirement can pose serious challenges, and relying on the stock market doesn’t make the process any easier. For those approaching retirement, diversifying your investment portfolio is a key factor in laying out a smooth plan, according to Alan Miller, a financial adviser with Dougherty and Company LLC in Mitchell. “The stock market is high right now, but there is always volatility in the market, so that’s why we feel it’s important to really be diversified to achieve a good retirement plan,” Miller said. Bonds, stocks and real estate are three common investments that help diversify a financial portfolio. While Miller said some people put all their eggs in the stock market basket, having investments in more stable markets like real
estate and property ownership can create a stable retirement plan. “If one has a diverse portfolio, it’s important to regularly review it with a financial adviser to monitor what the investments are doing to help your retirement,” he said. Setting goals in all facets of life helps people achieve them, and the same principle applies in planning for retirement. “Everyone has a different investment objective. There are some people who are more aggressive, and some that will be more conservative, with investing for retirement,” he added. According to the American Academy of Actuaries website, the average age of retirement in South Dakota is 65. Given the rising costs of living and health insurance packages, Miller said he has noticed more people are choosing to push back retirement until age 70. Life expectancy can have a tendency to get overlooked by peo-
ple planning their retirement, but Miller says it’s an important factor. According to Miller, life expectancy for males in South Dakota hovers around 77, while females is at 82. “We don’t want someone to outlive their money,” Miller said. “There are a lot of people we see come in and think they are elderly at age 60 and might end up living to be 90 years old.” Paying off debt is another pivotal component in planning for retirement, which Miller said is not as easy as it was years ago. As inflation steadily rises, causing prices to go up for college education, cars and homes, paying off debt is becoming increasingly difficult. “When retiring, I always say you have to know where your life and health insurance is coming from and whether or not you can get your house paid off,” Miller said.
FOR THEM. FOR THEM. AND FOR YOU. "·(i--AND FOR YOU.
"·(i---
A DreamSecure Senior Whole Life Insurance policy
from American Family Life Insurance Company is a simple way to provide the people you love with some financial protection to help with your final expenses.
FOR THEM. Prepare for tomorrow, and find peace from American Family Life Insurance Company is a ANDsimple FOR YOU. of mind for today. I can help. way to provide the people you love with some "·(i--financial protection to help with your final expenses. A DreamSecure Senior Whole Life Insurance policy
A DreamSecure Senior Whole Life Insurance policy
Prepare for tomorrow, and find peace of mind for today. I can help.
from American Family Life Insurance Company is a simple way to provide the people you love with some financial protection to help with your final expenses.
SHIINE is a FREE, unbiased, volunteer-based service which assists Medicare beneficiaries with problems or questions regarding Medicare benefits.
Prepare for tomorrow, and find peace of mind for today. I can help.
If you are interested in more information on SHIINE or wish to become a SHIINE volunteer counselor, please contact the SHIINE office near you.
Ronald Beukelman, Agent 708 N Sanborn Blvd Mitchell, SD 57301 Bus: (605) 996-5181
Audrey Beukelman, Office Manager for Ronald Beukelman, Agent
Daniel Beukelman, Sales Specialist -All Lines for Ronald Beukelman, Agent
Audrey Beukelman, Office Manager for Ronald Beukelman, Agent
Tiffany Ghan, Sales Specialist -All Lines for Ronald Beukelman, Agent
Ronald Beukelman, Agent Audrey Beukelman, Office 708 N Sanborn Blvd Manager Mitchell, SD 57301 for Ronald Beukelman, Agent AMERICAN FAMILY Bus: (605) 996-5181 INSURANCE ® Life insurance underwritten by American Family Life Insurance Company 6000 American Parkway Madison, WI 53783 014109 12/17 ©2017 - 8377921 Policy Form ICC17-228 WL, Policy Form L-228 (ND) WL, Policy Form L-228 WL
Daniel Beukelman, Sales Specialist -All Lines for Ronald Beukelman, Agent
Erin Amick, Sales Specialist -
Ranch -Farm All Lines
for Ronald Beukelman, Agent
Tiffany Ghan, Sales Specialist -All Lines for Ronald Beukelman, Agent
Erin Amick, Sales Specialist Farm Ranch for Ronald Beukelman, Agent
708 N Sanborn Blvd | Mitchell, SD 57301 (605)996-5181
117 N Main St | Plankinton, SD 57368 (605)942-7220 Erin Amick, Sales Specialist Farm Ranch AMERICAN FAMILY for Ronald Beukelman, Agent 811 Main St | Armour, SD 57313 INSURANCE ® (605)724-2554
Daniel Beukelman, Sales Specialist -All Lines for Ronald Beukelman, Agent
Tiffany Ghan, Sales Specialist -All Lines for Ronald Beukelman, Agent
Life insurance underwritten by American Family Life Insurance Company 6000 American Parkway Madison, WI 53783 014109 12/17 ©2017 - 8377921 Policy Form ICC17-228 WL, Policy Form L-228 (ND) WL, Policy Form L-228 WL
South Dakota SHIINE Regional Offices 001759697r1
Ronald Beukelman, Agent 708 N Sanborn Blvd Mitchell, SD 57301 Bus: (605) 996-5181
Western: 1.877.286.9072
Eastern: 1.800.536.8197
Central: 1.877.331.4834 Visit our website www.SHIINE.net to learn more about SHIINE. SHIINE is not affiliated with any company that sells or distributes a product or service.
Generations
4
August 2018
Innovative cell phone features aim to help seniors Cell phone companies making efforts to provide user friendly devices By Sam Fosness The Daily Republic In the ever increasingly tech reliant world we are living in, cell phone devices are becoming an essential tool used by society. But are they usable for every age demographic? Whether it’s checking your bank account, paying bills, reading the day’s news or looking for weather updates, cell phones serve as a means for daily functioning. Chad Tipsword, BeMobile Verizon Wireless store manager in Mitchell, is proud to see the majority of cell phone companies making concerted efforts to provide more user friendly features for people ages 60 and up. “Samsung has an easy mode and it simplifies the phone for ease of use,” said Tipsword, who helps customers in the 60-and-up age bracket that are looking for more user friendly tips.
Easy mode is on both higher end and entry level Samsung devices, which Tipsword said puts only the icons the user wants on the main screen of the cell phone. While Tipsword said it’s true some companies have put more emphasis in providing older generation cell phone users more ease of use, almost all cell phone manufacturing companies have made small improvements geared toward this age group of users. “Accessibility mode is another nice improvement that phone companies have implemented and all devices have that mode to help the older generation users,” Tipsword said. “Accessibility mode also helps people with vision problems and users can invert the colors to be more dark on the phone.” In terms of audio improvements, accessibility mode offers readouts for people with hearing impairments.
Readouts were created to have a cell phone read — text messages, passwords and other various functions on the device — out loud. Tipsword said hearing aid mode is another great improvement to help older generation users acclimate to cell phones. “A lot of the hearing aid manufacturers now have a bluetooth option that users can buy,” he added. According to Tipsword, the hearing aid bluetooth option is able to keep voice volume manageable for users without having to hold the phone up to their ear. Lucas Bindert, an associate at Cell Phone Repair Pro LLC, feels cell phone companies are putting great effort in providing more ease of use to the older generation. Bindert said the option of being able to make icons and cell phone apps visually larger
is helping create more user friendly devices. “I think the improvements have helped the older age population become much more open to using cell phones to their full potential,” he said.
Metro Creative Services
Our Vision Continues to Grow Though small, your eyes call for big expertise. That’s why we continue to grow our team, increasing our number of specialists and making it even easier for you to receive care for every eye issue under one roof.
Elizabeth Atchison, MD
Elise In’t Veld, MD
We welcome two new doctors: • Elizabeth Atchison, MD Vitreoretinal Surgery • Elise In’t Veld, MD Glaucoma Management
www.OphthalmologyLTD.com
Generations 5
August 2018
Four simple ways to tune up your nutrition and live healthier longer By Brandpoint Just about everyone feels like they could use a little extra pep in their day, that surge of
energy to get things done and enjoy their favorite activities. This is especially true as we age.
However, very few people actually feel as if they have the energy they need. The stress of modern life, poor sleep habits, consuming processed foods and less than optimal digestion are triggering a perfect storm for a human energy crisis. There are several simple ways tune to up your nutrition and life-
Metro Creative Services
NOW ON SALE DELUXE ADJUSTABLE BEDS FLIPPABLE ADJUSTABLE MATTRESSES TWIN, QUEEN & KING SIZES
FULL WARRANTY
style habits so you can feel better than ever. A great place to start is with your diet. “A healthy diet that is rich in plant foods, whole grains and lean proteins is always the starting point in reaching optimal health,” says Dr. Jacob Teitelbaum, an author and internist. “At the same time, as we get older, it’s important to understand how our bodies change, and what we need to do to help our bodies get what they need to keep our systems running well. “However, despite our best efforts,” Teitelbaum explains, “it is very difficult for us to get all of the nutrients we need from food alone. Sometimes nutritional supplements may be needed to fill nutrient gaps.”
In addition to movement and a healthy diet, Teitelbaum shares things people in their 50s and 60s need to know to optimize their health and feel good. 1. Your digestive system changes as you age, so make sure it’s getting support. A healthy digestive tract is crucial for overall health. As we age, our digestive systems often need more support in order to properly break down food and absorb the nutrients our bodies need to function optimally, according to a study published in Oncotarget. To get the most nutrition from the food you eat, Dr. Teitelbaum recommends talking to your doctor about adding a plant-based
NUTRITION: Page 6
Planning Ahead is Wise....
consult with Shafer Memorials for expert advice in selecting a memorial for your family.
WE ARE PROUD TO PROVIDE PERSONALIZED CARVINGS COMPLETED ON-SITE IN OUR SHOP
We will create computer illustrations to symbolize your lives together.
LOCALLY AND FAMILY OWNED....SINCE 1919
HIS AND HERS POWER LIFT/RECLINERS SIZED FOR BOTH MEN & WOMEN!
LOTS OF COLORS TO CHOOSE FROM!
We are a family owned business in our 6th generation, and we have been in the same location for over 99 years. Stop by for a friendly walk thru of choices you have,
WILL LIFT UP TO 500 LBS!
WE ALL NEED A LIFT!
let your monument tell your story.
Mitchell
FURNITURE
No one else can give you more!
FREE DELIVERY
Across the street from County Fair
996-6900 1-800-300-3904 Alexandria: 239-4311
OPEN WEEKNIGHTS UNTIL 8 PM, SATURDAY UNTIL 5PM WWW.MONTGOMERYSFURNITURE.NET
Kim (Shafer), Rick and Jeremy Swank
1023 N. Main • Mitchell, SD (5 blocks N of the Corn Palace) 1-800-464-3115 • 605-996-3115 www.shafermemorials.com
001763832r1
001617313r1
Swank Inc. dba
6
NUTRITION From Page 5
enzyme supplement to your regimen to support your digestive health. GI Digest, for example, is a comprehensive digestive enzyme formula designed to assist in the proper digestion of proteins, fats, starch, dairy and gluten. 2. Small things can make a big difference for heart health. Getting an adequate supply of omega-3 fatty acids along with vitamin D, also known as the sunshine vitamin, may support cardiovascular health. Because vitamin D is best absorbed in the body when taken with a fat source, Dr. Teitelbaum suggests talking to your doctor about a supplement that has a combination of omega-3 fatty acids and vitamin D, like QÜELL Fish Oil EPA/DHA Plus D. Also, be sure to talk to
your doctor about other heart-healthy habits you can incorporate into your life, because things like daily walks, reducing stress and increasing your fruit and vegetable intake can all support heart health. 3. Is your energy lagging? It may be a simple deficiency. As we age, we tend to accept at face value that having less energy just comes with the territory. Sometimes the solution is a simple matter of meeting our bodies’ nutritional needs. For example, one mineral that helps the body convert nutrients into energy is magnesium. When levels get low, it can interfere with your body’s ability to access its energy stores, causing the body to work harder, as shown in a study published in the Journal of Nutrition. To support your body’s metabolic function, a sup-
Generations
plement like Magnesium Glycinate contains 100 mg of magnesium in an easyto-swallow tablet. In addition, vitamin B12 is a nutrient that helps your body convert food into energy; however, as we age, our bodies can begin to have trouble absorbing enough B12. To support your body’s energy needs, ask your doctor about taking Methyl B12 Plus, a great-tasting lozenge that rapidly dissolves in the mouth. If your energy levels are lagging, Dr. Teitelbaum says, it’s important to talk to your doctor, so together, you can uncover the root causes, and he or she can make recommendations. 4. Feed your body with real, whole foods. Food processing destroys most of the vitamins, minerals and other key nutrients the body needs to function optimally. Dr. Teitelbaum says the best thing
August 2018 you can do is cut the sugar from your diet and slowly add whole foods. Though most adults should be eating at least 1.5 cups of fruit and two cups of vegetables per day, a mere 9 percent actually meet that target, according to the Centers for Disease Control and Prevention. It may sound like a tall order to work all those fruit and veggie servings into your diet, but break down the daily goal into smaller parts and it may feel more attainable. For example, just take the simple step of adding one extra serving of fruits and veggies to each meal. Slice some banana on your morning cereal, opt for the steamed veggies with your entree, snack on veggies and hummus, and close the meal with fresh berries. Supplementing with a high-quality multivitamin can also help fill the gaps in your diet. Dr. Teitelbaum
recommends Ultra Preventive X as a daily multivitamin that can help provide the nutrients you need in their most usable forms for the body. To address your needs and support your health, always talk to your healthcare practitioner about adding nutritional supplements to your daily routine. To discover new ways to use nutrition to tune up your health, visit the Douglas Labs website and watch the videos at www.douglaslabs. com/tune-up-teitelbaum/. Dr. Teitelbaum has been retained as a medical consultant in advising Douglas Laboratories. These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure, or prevent any disease.
Aurora-Brule Nursing Home Quality services in a caring community
• 24/7 Nursing Staff • Social Services • Daily Activities information: • On-site d Beautician • Therapeutic Diets • Restorative
Therapy • Medicare/ Medicaid Certified • Outpatient Therapy • Skilled Nursing • Assisted Living
001520778r1
Are your assets protected? You’ve worked hard all your life. We can help you preserve what you’ve worked hard to accumulate, assure that your assets are distributed as you intend and protect your loved ones from excessive taxes and emotional distress.
Call today to get a tour scheduled! 605-249-2216 408 South Johnston St., White Lake, South Dakota 001765817r1
Contact Rich Platt today for a free, no-obligation consultation.
By Phone
(605) 995-4664 1-800-671-0053
Rich Platt, CTFA
In Person
1920 N. Sanborn Blvd. in Mitchell
Online
www.bankwest-sd.bank
Generations 7
August 2018
6 simple tips to prevent a fall By Brandpoint Overwhelmingly, people say that they want to stay independent and in their own home as they age. One way to ensure they can is to learn about fall risks and make changes to reduce their chances of falling. Because, while one in four older adults falls each year, there are ways to be prepared for the changes of aging in order to prevent falls. “The misconception is that falls are a normal part of aging, but this is untrue,” says Kathleen Cameron, senior director at the National Council on Aging’s Center for Healthy Aging. “Just because you’re getting older doesn’t mean you’ll inevitably fall at
some point. There are proven ways to prevent falls, so older adults can live healthy, safely and independently.” Every 11 seconds an older adult is seen in an emergency room for a fall-related injury, reports the National Council on Aging. To prevent falls, follow these six simple steps. For additional advice about preventing falls, visit www.ncoa.org/ FallsTips. Step 1: Find a good balance and exercise program As you age, it’s important to maintain balance, strength and flexibility. Contact your local senior center or Area Agency on Aging for information on programs that can help you achieve these goals. Review
your options and find one that appeals to you. Better yet, join with a friend to make it more fun and keep each other accountable. Step 2: Talk to your health care provider Have an open conversation with your health care provider about your fall concerns. Share your history of falls and ask for an assessment of your risk of falling again so you can come up with a plan proactively. Step 3: Review medications with the pharmacist Some medications have side effects that can make it more likely for you to fall. First, always take medications as prescribed. Second, make sure you know the risks and take precautions
Not satisfied with your current Medicare Supplement plan?
soon and not sure which plan to choose?
tion, trust one of our local, Weyou cancan help you find a plan that fits your needs! ind a quality solution to fit your needs.
ge
Turning 65 soon and not sure which plan to choose? Regardless of your situation, you can trust one of our local, independent experts to find a quality solution to fit your needs.
Karmon Hoiten
Jacquelyn Johnson
Jacquelyn Johnson
Helen Runge
Helen Runge
1716 N Sanborn Blvd, PO Box 790 605-996-7171 or 800-658-3603 Mitchell, SD 57301
Karmon Hoiten
Julie Bell
605-996-7171 or 605-996-7171 or 800-658-3603 800-658-3603 001762980r1
when necessary. Step 4: Get vision and hearing checked annually Your eyes and ears are key for keeping you safely on your feet. Getting your vision and hearing checked each year by a health care professional is important, so you can update vision prescriptions and take any necessary measures to correct hearing loss. Step 5: Secure your home To keep your home safe you need to remove any tripping hazards like loose rugs or free cords. You should also increase lighting to improve visibility indoors and outdoors. Pay particular attention to stairs and consider installing grab bars or railings.
Step 6: Talk with family members
Falls affect all demo-
graphics and various ages. Talk with family members
about your risks and concerns. Enlist their help as needed to secure your home and keep you safe. “A few simple steps can
dramatically reduce your risk for falling no matter
your age,” says Cameron. “By being proactive, you
can live healthy and independently for longer.”
Generations
8
August 2018
Caring for grandchildren
In the not-so-distant past, it was quite common for various generations of a single family to live under one roof and for many different members of the family to play a role in raising the children. But that dynamic slowly changed as families spread out geographically. However, when the economy faltered and parents of young children realized they needed help, many returned to the old way of doing things. Grandparents stepped up to look after their grandkids, and adults moved back home with their aging parents. Some seniors needed to move in with their children to make ends meet. A study of data from the Rand Corporation found that, of the four million children living with their grandparents in the United States, 2.5 million live in three-generation households. Nearly 1.5 million live in split-gener-
ation households or ones in which grandparents are raising their grandchildren. The proportion of all grandchildren living in three-generation households, 3.6 percent, has been steady in recent years. Research suggests that split-generation households are usually formed when parents are no longer able to take care of their children because of physical or mental illness, substance abuse, or economic problems. Three-generation households, on the other hand, are generally formed because of problems parents encounter living independently, such as through separation or divorce or due to unemployment or economic need. Caring for their grandchildren can elicit many feelings in grandparents, from nervousness to excitement about a fresh face around the
house. Raising grandkids can be overwhelming for elderly men and women, but the following are a few tips that can make the process easier. ► Explore your feelings. When you acknowledge your feelings, you are on the right path to making things work and recognizing possible obstacles. ► Expect mixed feelings from others. Grandchildren and your own children also may be apprehensive about this new living situation. Encourage everyone to share their thoughts and come to a consensus on how things will be done. Expect it to take some time to establish a schedule, and don’t be discouraged by any initial behavioral problems. ► Take care of yourself. Grandchildren, particularly young ones, can have a lot of energy and may require constant attention. Caring for
such lively youngsters can be taxing on grandparents, who must make their own health and nutrition a priority. Give yourself some time for recreation and rest. Have grandchildren help out where they can. Don’t feel you have to spend every moment entertaining them. ► Ask for help when needed. Reach out to friends or community members if you are
feeling overwhelmed. There are a number of resources available to you, and many organizations, including AARP, have their own tips for assisting three-generation households. Multi-generational households are common once again. Families who work together can make the most of such living arrangements. — Source: Metro Creative
Metro Creative Services
MITCHELL COMMUNITY SERVICES SERVING ALL AGES IN MITCHELL
Mitchell Volunteer Program Volunteer opportunities for anyone 18 and older.
James Valley Community Center Multi generational activities and services.
Palace Transit Providing affordable and reliable public transportation in Mitchell 7 days a week.
Meals Program Hot and frozen meals available for your convenience.
Community Services department is located at the James Valley Community Center
300 W 1st Ave • Mitchell, South Dakota • cityofmitchell.org • 605-995-8441
001766267r1
Generations 9
August 2018
Growing trend in family reunions In many families, parents, grandparents, aunts and uncles once lived in close proximity to one another. But modern families have spread their wings a little further. Having relatives around the country or even the world can create challenges when it comes to seeing family. Although social media and video chats have presented viable ways to keep in touch, there’s nothing quite like getting together in person. Family reunions are nothing new, but the trend for “mega” reunions has recently emerged. Rather than one day spent at someone’s home, campsite or park, these mega reunions are major events that can span several days at a resort and include relatives across multiple generations. Such gatherings are a fun way for distant relatives to reconnect and enjoy each other’s company. Tourism experts say large
family reunions, which may not occur every year, are a growing trend. They may coincide with other milestone events, such as a relative’s birthday or retirement. Warm weather seasons are a popular time for these family reunions because of peak vacation opportunities. Mega reunions have become a great way to preserve family history and get to know relatives better while letting loose and having fun. Because such reunions are large undertakings, the following tips can get families started. Gather knowledgeable family members Some family members may be better at keeping in touch, managing family trees and continuing to update family address databases. These are the people to have on your reunion team. They can offer a wealth of information and help get the wheels in
motion. Choose a creative reunion site Consider all-inclusive resorts, cruises, hotels, ranches, and beach clubs to host the reunion. According to the Greater Fort Lauderdale Convention & Visitors Bureau, family reunions are popular in their region of Florida thanks to the balmy weather and proximity to plenty of attractions. Choose a location that has a solid transportation hub to facilitate travel. Traveling during off-peak times of the year can help you save your family money, which might make it easier for more members of the family to join in the festivities. In addition, when choosing a host site, keep in mind that domestic locations may work better, particularly for those family members who do not have passports. Use technology to stay organized
Communicating with potential reunion attendees takes creativity. One of the easier ways to do so is through a reunion website. Social media sites also have event functions, wherein a person can create an event, invite a select number of people, and then communicate among those who participate. Work well in advance Give family plenty of lead time. Plan the reunion as one would plan a wedding, sending out save-the-date notices at least a year in advance. This will increase the likelihood that people will be able to take time off from work or school and be able to schedule the trip. It also helps individuals price shop for transportation deals. Invest in a party planner A party planner can take the brunt of the responsibility off of one or more individuals. It’s well worth the expense to
build into the family reunion
budget for peace of mind and added organization. Mega
family
reunions
bring together large families.
Such gatherings are a grow-
ing trend in the travel indus-
try and fun for families who may not get to see each other as often as they would like. — Source: Metro Creative
Metro Creative Services
MONDAY NIGHT 5-9PM $19
95*
*With FRC Club Tatanka Club Card Add $2 for non-club members
Generations
August 2018
Healthy Never Tasted So Good
• 100% Organic Real Fruit Smoothies • Largest Selection of Non-Allergen Food in the area • Knowledgeable Staff • Paleo Specialty Foods • Sports Nutrition • High Quality Vitamins • Herbal Supplements • Top Brand Essential Oils and Diffusers • Monthly Specials
www.facebook.com/WMNutritionCenter
Like us on Facebook
1313 W. Havens, Mitchell, SD 57301 Phone: 605-996-9868 or 1-800-234-1961 Hours: M-F 10:00 – 6:00 Sat 11:00 – 4:00
healthnut@santel.net
www.wmnutrition.com Mail Service Available 001766049r1
001766354r1
10
Huron•Brookings•Watertown•Sioux Falls•Dakota Dunes
•Spacious 1 & 2 Bedroom Suites •Newly Remodeled Huron Facility! •All on One Level •Coffee Shop •Courtyards •Theatre
"Life is sweet in StoneyBrook Suites!" www.stoneybrooksuites.com
Generations 11
August 2018
Seniors, teens are drivers with higher crash rates Sharing the road with other drivers means being aware of the abilities of fellow motorists. Whenever a person gets behind the wheel of a car, he or she is placed in the direct path of others who may not be as good behind the wheel. Drivers with the highest rates of crashes and highway fatalities include seniors and teenagers. Although many people are quick to believe elderly drivers are the most dangerous on the road, this isn’t entirely true. The U.S. Census Bureau predicts there will be 9.6 million people 85 and older by 2030, many of whom may still be on the country’s roadways. Fatality rates for drivers increase after age 65, according to a study by Carnegie Mellon University and the AAA Foundation for Traffic Safety. For drivers 85 and
older, the fatality rate jumps considerably, to about four times higher than the fatality rate for teenagers. However, some say these rates may be unfairly skewed for seniors. An elderly person’s body is more frail than that of a teenager, and a crash of a similar severity is more likely to kill a senior as opposed to a teenager, which can unfairly drive up fatality rates for seniors. The National Highway Traffic Safety Administration says accident rates for 16- to 19-year old drivers are actually higher than for any other age group. Various factors contribute to the elevated teenager traffic risk. ► Lower perception of risks: Teens are less likely than other drivers to notice a potential threat and to handle it accordingly. It can take time for information gather-
ing and experience to develop in younger drivers. ► Underdeveloped skills: Teens have had considerably less time behind the wheel than others, which can hamper their ability to maneuver the vehicle and address hazards. ► Taking more risks: Younger drivers tend to speed, violate traffic signals, make illegal turns, and violate other rules of the road more so than other drivers. This may be to show off to friends or due to overconfidence in driving abilities. ► Substance abuse: Teenagers may have a higher propensity to drink alcohol or use drugs in social settings, which can compromise their ability to drive. ► Distractions: Having multiple passengers in the car, using mobile phones and texting are distractions that can increase the risk of a fatal crash.
A Great Place to Call Home Whether you are looking for a 2 bedroom independent living apartment or a spacious assisted living apartment, we can help!
We have availability!
001764193r1
Tour Countryside Living and you will see why it is a GREAT place to call HOME! (605) 996-1991
2100 N. Wisconsin, Mitchell SD www.countryside-living.com
• Independent & Assisted Living • Independent & Assisted Living • Independent & Assisted
driving:
Many
them. Age-related conditions
seniors get off the road in
can impede their driving abil-
the evening because of poor
ity, and, should a crash occur,
nighttime
fragility can compound the
vision.
Howev-
er, teen drivers may be more
effects of an accident. Teens
active at night, increasing the
and seniors are two demographics that may need more
risk for accidents. While teenage drivers present the biggest road risks,
driver training and monitoring to keep roads safer.
seniors are not too far behind
— Source: Metro Creative
Metro Creative Services
Making a plan now that covers you for the long term. Relaxing, isn’t it?
Living • Independent & Assisted Living • Independent & Assisted Living •
Living • Independent & Assisted Living • Independent & Assisted Living •
• Independent & Assisted Living • Independent & Assisted Living • Independent & Assisted
► Night
Contact me to make a plan that lets you focus on being good at life.
David L. Jorgenson*, LUTCF ®
Dan Rew
Financial Services Professional 115 East 12th Ave Mitchell, SD 57301 CA Insurance Lic. #0H53351
Financial Services Professional 115 East 12th Ave Mitchell, SD 57301
605-996-4444 djorgenson@ft.newyorklife.com
Insure. Prepare. Retire. 001766046r1
605-996-4444 605-630-3550 drew@ft.newyorklife.com
Be good at life.
Generations
12
August 2018
When to begin saving for retirement nately, many of today’s new workers are not prioritizing retirement. According to a study from Hewitt Associates, just 31 percent of Generation Y employees (individuals born after 1978) who are able to deposit money into a 401(k) retirement plan actually do so. The easiest way to save for retirement is to make the process entirely automatic. One can achieve this by signing up for an employer-sponsored 401(k) or another retirement plan. When opening a 401(k), workers will have a predetermined portion of their earnings deducted from their paychecks and deposited into the retirement account. Such contributions are made prior to being taxed, adding even more incentive to begin saving as soon as possible. Money deposited into
a 401(k) will then be available for withdrawal when the employee reaches retirement age. If the employer has a matching program, even better, as that means the company will match employee contributions up to a certain percentage. A person may also want to establish an IRA (individual retirement account). IRAs, which are available as traditional IRAs or Roth IRAs, are typically offered through financial establishments and provide tax-friendly ways to save for retirement. There are differences between traditional IRAs and Roth IRAs, and these differences are related to taxes and may depend on when contributions are made as well as when withdrawals are made. Speak with a financial planner to help you determine
— Source: Metro Creative
Metro Creative Services
your favorite MEMORIES
1120 E. 7th ave., Mitchell
605-996-6526 WELCOV.COM
001762974r1
FOR CALL R! U A TO
bonds and other less volatile opportunities. Professionals of all ages can speak with a financial planner for more information regarding retirement savings. In addition, options to invest through an employer can be discussed with human resources personnel.
Custom Frame
Come see all we have to offer! Rehabilitative Care Long Term Care Memory Care Unit Respite Care Outpatient Therapy
the IRA best suited to your personal needs. Young professionals may want to keep more of their retirement funds in stocks and aggressive accounts to earn more. As one gets older and closer to retirement, a conservative approach is more prudent. Advisors may suggest older professionals then begin investing in
316 N Main • Mitchell • 996-2285
001765565r1 001286848r1
After finishing school and landing their first jobs, the furthest thing on many young professionals’ minds is retirement. Although the day young workers will cash their last paychecks and bid farewell to the workplace may be decades down the road, it’s never too early to begin saving for retirement. The sooner a person begins saving for retirement, the more time his or her money will have to grow. As more deposits are made and interest is compounded, retirement investments can grow considerably. Ideally, workers should begin saving as soon as possible. Compounding interest produces a better return for professionals who start saving when they are young than for those who delay their retirement savings. Unfortu-
Generations 13
August 2018
Coping as a family caregiver Individuals are born into the world requiring the care of their parents and other adult guardians to grow and thrive. These adult children, in turn, may end up provid-
Metro Creative Services
ing care when their parents reach senior age or face an illness or disability. Becoming a family caregiver frequently is a tough choice to make. It requires patience and time, and can be emotionally and physically taxing. An estimated 43.5 million adults in the United States have provided unpaid care to an adult or a child in the prior 12 months, according to the National Alliance for Caregiving and AARP Public Policy Institute. It’s not uncommon for caregivers of any age to feel stressed and burned out by the demands of caregiving. The Mayo Clinic says people who experience caregiver stress can be vulnerable to changes in their own
health. Some signs of caregiver stress include: ► Feeling overwhelmed or constantly worried ► Feeling tired most of the time ► Gaining or losing a lot of weight ► Becoming easily irritated or angry ► Losing interest in activities you used to enjoy ► Having frequent headaches, bodily pain or other physical problems Some caregivers even resort to drugs and alcohol to self-medicate, which can lead to further issues. To avoid the potential pitfalls of caregiver stress, individuals should always put their needs first and find ways to alleviate the added stress of caring for a loved one. These suggestions are just a start.
Call today to set up a FREE appointment to discuss pre-planning with a caring professional
FAMILY OWNED SINCE 1939
Kinzley Funeral Home Locations in Salem and Hartford Locations in saLem , Hartford and madison
605.425.2621 605.425.2621 605.256.0871 1-877-425-5674
001766251r1
Your -inPartner Advanced Planning
Don’t strive for perfection It isn’t possible to maintain a patient attitude and get everything done perfectly each and every day. People are not perfect and mistakes will be made. Do not punish yourself if you lash out or simply need a break Eat healthy As anyone who has dealt with a hungry toddler can attest, failure to eat well and frequently can result in an emotional meltdown. Be sure to always make time for nutritious meals. This will help keep up energy stores and enable you to better cope with caregiver stress. Pay attention to mood changes Anxiety or depression can sneak up on you when you least expect it. Ask for help if you feel your tasks are
becoming too overwhelming. Seek the help of a doctor if changes in mood, sleeping patterns, appetite, and the like become noticeable. Take frequent breaks Getting a break from caregiving and setting aside time for yourself can increase patience levels and the ability to bounce back from stress. Whenever possible, have a friend or another relative step in for you so you get a break. Explore resources available for professional aides to come and take some of the responsibilities off of your shoulders. Being a caregiver can be a rewarding, but challenging role to play. Caregivers should keep their health a priority. — Source: Metro Creative
Generations
14
August 2018
Seniors becoming more tech-savvy Technology is the future, and digital communication has opened many doors for people around the world. Although younger generations have grown up with technology at their fingers, Baby Boomers and older adults did not. But in spite of that, studies show that growing numbers of seniors are open to the idea of technology and even seeking ways to further their use and knowledge. According to a 2014 study by Pew Research Center, 59 percent of seniors regularly use the internet — a 6 percent increase from the previous study conducted in 2012. Today, 67 percent of adults age 65 and older say they go online. Pew also says that, although seniors consistently have lower rates of technology adoption than the general public, four in 10 seniors now own smartphones, which is more than double the amount
that did in 2013. Seniors in Australia are especially tech savvy, as Deloitte’s mobile consumer survey found 78 percent of Australian seniors aged 65 to 75 own a smartphone, up from 69 percent in 2016. While stereotypes have long painted seniors as technologically inept, seniors are actually more socially and digitally engaged than ever before. Seniors use technology in many different ways. Some use mobile apps to manage medications and doctor’s appointments and monitor their fitness regimens. Some families employ 24/7 alert systems or smart home technology to keep seniors comfortable and safe at home for as long as possible. Noninvasive, ‘smart’ technology can analyze factors such as whether or not doors are left open, if there has been movement in a home, or whether appliances/lights
are on or off. This represents a great way for families to stay informed and provide assistance even if they are not nearby. SilverSurfers, a seniorbased information website, says other tech that seniors are embracing includes online dating; audio and digital books; online shopping, which is especially valuable to seniors who have mobility issues; and social media, which can keep seniors connected to others and feeling less lonely. A study conducted by researchers from the University
of California, San Francisco found 18 percent of American seniors live alone, and 43 percent report feeling lonely on a regular basis. Loneliness can increase death risk. Social media and internet connectivity can be an important tool in helping seniors feel
like active members of society. Technology is no longer just for teenagers or active workers. Seniors are increasingly embracing technology and becoming a fast-growing demographic for tech usage. — Source: Metro Creative
Metro Creative Services
Remember the Ones You Love . . . • Vases • Candles • Memorial Lights • Angel Statues
Independent Senior Living
605-292-0730 • 888-409-8400 824 West Havens • Mitchell (Across from Bittner Funeral Chapel)
mitchellmonuments@midconetwork.com
Wesley Acres, located in Mitchell, SD, offers a variety of apartment living options for people 62 years of age or older. It’s a place where privacy is respected, yet companionship is just a neighbor away... a place where people are free to come and go as they wish... independent living without the burdens of maintaining a home. 1115 West Havens | Mitchell, SD 57301
605-996-6164
001618754r2
Mitchell Monuments & More
001766050r1
Marlene Hettinger | Locally Owned Mon.-Fri. 9:00-5:00 | Sat. By Appointment
Generations 15
young adults growing up, playing and socializing. Being around multiple generations also can spark interesting conversation, and all parties involved can learn something from one another. Planning for the future Younger generations may not understand the concept of “hard times” or “doing without” like a person who has lived through various ups and downs. Passing along advice about economic cycles, saving for the future and maintaining stability is one area of expertise at which many seniors excel. Practicing interpersonal skills All the technological savviness in the world cannot compensate for the power of strong interpersonal skills. Being able to address a group of people or speak one-onone is essential in the workplace and in life. When younger generations speak to older adults, they may become stronger at verbal discourse and have greater perspective of different points of conversation. Learning new technology Younger generations can impart
knowledge of technological devices to older adults. People with skills are usually happy to share their knowledge. Even if seniors aren’t ready to purchase tablets or smartphones, they may be excited to have their grandchildren teach them about the latest gadgets. Providing sense of purpose Both seniors and younger generations can realize a greater sense of purpose when interacting with one another. That person may be the reason the other one greets the day with a smile. Visits from grandchildren can reduce the likelihood of isolation and depression in older adults. And younger generations can discover the benefits of personal social interaction rather than communicating exclusively through social media apps. Fostering intergenerational connections is a great way to broaden social circles, improve communication and learn new things.
June 5, 2019: Land of the Midnight Sun
The sun will not set while we visit Iceland, Finland, and Lapland with Norway extension possible. Adventure Of A Lifetime!
September, 2019: Destination tour of SWITZERLAND
Includes the Glacier Express across the Alps....incredible scenery...
November 6, 2019: Five day BRANSON HOLIDAY
Mitchell 996‐7717 ~ Chamberlain 234‐6055
In the not-so-distant past, extended families frequently lived in close proximity to one another. Such families shared meals and experiences and essentially grew up together. Nowadays, families separate for various reasons, such as job opportunities and cost of living concerns. While there are advantages to spreading out, there are also some disadvantages, namely that grandparents and grandchildren may not see one another frequently enough. Even though people of different age groups may not entirely have the same interests, the interactions between generations can benefit both young people and their aging relatives. Finding renewed vigor Senior living and active lifestyle communities provide invaluable care and amenities for seniors. While being around like-minded individuals can be handy, it’s also limiting. Seniors who continue to age in place in mixed-age communities can extract joy from watching youthful children and
Go Beyond your tax return! Tax planning and Management Retirement and Estate Planning Business and Succession Planning Accounting Support Services Business Valuation
Your Success is Our Business!
Sioux Falls 271‐1302 ~ Huron 352‐8573 ~ Miller 853‐2130
Different generations can learn and benefit from one another
www.elocpa.com
— Source: Metro Creative
Everyone welcome on our 2019 tours!
July 18, 2019: 7-night Alaska Cruise
October, 2019: THE ARK & CREATION MUSEUM
Two new Christian theme parks in Kentucky you just have to visit in your lifetime!
I have 36 tickets for the Passion Play in Oberammergau, Germany September 2020. Get your name on the list.
These tours are sponsored by the Germans from Russia Heritage Society of Southeast So. Dak. and presented at cost! Vi Ranney of Yankton is Tour Designer and Hostess, Gary Jerke is President. Please join us for Oktoberfest on October 20, at Menno, SD. Brochures will be available soon. Call Vi Ranney today at 605-665-3596 or e-mail: viranney@vyn.midco.net to get on the list for any tours!
001761292r1
August 2018
August 2018
001763209r1
Generations
16
We’re by your side so your parents can stay at home.
Whether you are looking for someone to help an aging parent in their home for a few hours a week or need more comprehensive assistance, Home Instead Senior Care can help. Home Instead CAREGivers can provide a variety of services. Some include: • • • • • • • •
Companionship Care Personal Care Meals & Nutrition Transportation Household Duties Respite Care Hospice Care Support Services Medication Reminders
Now hiring CAREGivers! Each Home Instead Senior Care® franchise office is independently owned and operated. © 2016 Home Instead, Inc.
Serving clients in Mitchell, Huron, and surrounding areas. Locally owned and operated.