Living 50 Plus

It’s Never Too Late

How to rebound from a late start to saving for retirement

Ticker Talk

Keep your heart running strong well into your golden years

Revisiting Your Regimen Trendy exercises to rev up your workouts January 29, 2017 A Special Supplement to

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Living 50+

SUNDAY, JANUARY 29, 2017

4 5 6 7 8 9

Pointers for adults returning to school

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Dating after 50

Rebounding from a late start to retirement savings Steps involved with estate planning

10 12 13

How to avoid growing bored in retirement

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Trendy exercises to

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rev up workouts

Vision changes as you age

Yearly eye exams can reveal more than just vision trouble Home remedies for joint pain can provide relief

In retirement, guarantees matter Keep your heart running strong into your golden years

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relation to heart disease Easy ways to get more youthful-looking skin Snack foods that promote better sleep Aging and driving

Caring for an elderly relative at home

Cholesterol and its

Did You Know?

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aby Boomers make up the largest generation of Americans born in United States history. Boomers include anyone born between the years 1946 and 1964, as the number of births began to rise as World War II veterans returned home from battle. The greatest number of Baby Boomers were born in 1957, when numbers peaked at 4,300,00. That equates to roughly 8 children born per minute throughout the year. By 2019, the last of the Baby Boomers, or those born in 1964, will be eligible for many senior benefits offered to people age 55 and up. Ten years later, most will be eligible for retirement.

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Living 50+

SUNDAY, JANUARY 29, 2017

Pointers for adults returning to school

CAPRON

Sunday, January 22nd • 3-5PM Capron Ruritan Building - Main Street, Capron, VA Baseball, Softball, T-Ball & Coach Pitch FOR MORE INFORMATION: Boys Contact: Jim Pope (757) 650-8674 or Joey Cobb (804) 513-5799 Girls Contact: Mark Pope (804) 586-8077 or Mary Ann Clark (804) 641-8853

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T

oday’s seniors, particularly those who already have passed retirement age, may find themselves with many free hours to fill now that a job no longer accounts for most of their time. Returning to school may help seniors realize lifelong dreams of finishing a degree, exploring a hobby, getting educated to gain work in a new field, or just to fill some time in a productive way.

Information from the United States Department of Education’s National Center for Education Statistics finds the demand for continuing education is still growing. For those aged 35 and older, the center says adult enrollment should grow by at least another 7 percent through 2016.

It’s possible to return to school at any age.

Adults looking at continuing education possibilities can heed these easy tips to make stepping into a classroom again successful.

• Get some help. Some time may have passed since you last toted textbooks or entered a classroom setting. Things have changed since you last were in school.

Sit down with a guidance counselor or a career advisor and go over your schooling goals to plot out a degree map. This will help you determine which courses to take or what schools will best fit your needs.

• Research schooling options. According to the National Survey of Students in Continuing Education, adult learners prefer post-secondary education that is affordable and close to home. Recognize that many schools now offer online learning, which may be ideal for you if you prefer to learn from the comfort of home. Decide what is important to you in a school, then narrow

down your prospects.

• Schedule a campus visit. Tour the campus to get a feel for the school environment. Visit with someone in student services or attend an event for adult learners so you will know what the admissions process entails.

• Get financial assistance. Scholarships, grants and other financial aid are not just for young students. You may be eligible for financial help. Speak with a financial aid advisor to determine your eligibility for programs.

• Decide enrollment status. Do you want to go to school full time or part time or do you want to take classes here and there?

Knowing in advance will help you develop the right schedule.

• Take a few refresher courses. Rather than delve into the tough stuff right away, enroll in a few basic classes to ease yourself back into the academic environment. Then next semester you can increase the difficulty level and workload.

• Be prepared for homework and study. You may have grown accustomed to being only accountable to yourself as of late. Once in school you will have assignments and tests. Plan for study time and develop a schedule to allow for school commitments.

• Take it slow. There’s no race to the finish line. Going back to school is your decision, and you can go at your own pace.

Adult students return to the classroom for many reasons. Involve family in the decision to continue education and embrace the positive changes that are in store.

SUNDAY, JANUARY 29, 2017

Living 50+

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Dating after 50 JEWELERS

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weaty palms, heart palpitations and nervousness are common first date symptoms. Many people can remember the feelings of excitement and fear they felt the first time they went out on a date as a teenager. But those who find themselves back in the dating pool as mature adults quickly learn that dating jitters still may be present even after all this time.

Recent data from the U.S. Census Bureau finds that those over the age of 50 are now divorcing at double the rate of younger people. Loss of a spouse is another reason the over 50 crowd may once again be dabbling in dating.

Recent reports say that 40 percent of online daters today are over the age of 50. Successfully navigating the waters of matchmaking sites or old-fashioned meet-and-greets means reacquainting oneself with a few handy tips.

• Don’t open up with your extended history. Older daters have more life experiences and potentially a greater number of past relationships. Recognize that you both may bring former spouses and even children to the table, but don’t feel the need to delve into all of your adventures (or misadventures) on the first date. Early dates are not for setting the entire course of your relationship.

They’re for getting acquainted and seeing if this is a relationship you want to continue. Getting too personal right off the bat can sabotage a relationship before it starts.

• Take it slow. There’s no need to rush anything along. Biological clocks or perceived societal notions no longer may be causing pressing relationship deadlines. Take the first date and any other subsequent dates at a pace that’s

mutually agreed upon. It may take several months to years before all of your truths come out, but for now focus on having fun until you’re both ready to share more.

• Look for the positives. Before you decide a person is not for you, make a note of all of his or her positive attributes.

What do you like most about him or her?

Initial negativity or doubts may stem from your fear of rejection. Be open to others who may not fit your type.

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• Don’t get discouraged. The person you first meet may not be the right fit.

Don’t let this turn you off of dating. The right person may be the next one around the corner.

• Meet in public places. Many dates begin with online conversations with the intention to meet for a physical date later on. Always keep safety in mind when setting a rendezvous with someone you don’t know well. Choose a public meeting spot, such as a busy restaurant. Ask a friend to check in on you via phone call.

Consider a double-date if you’re weary.

Take your own car and meet at the date location rather than being picked up at home.

• Wait for intimacy. It may take a while before you feel comfortable getting intimate with someone new. This person should respect your feelings and not pressure you into a physical relationship until you are both ready. Also, give the other person time to grow comfortable with intimacy.

Dating after 50 means taking chances, going slow and exploring new relationship possibilities that make you feel comfortable.

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It’s always a good time to review your retirement needs.

At Davenport we provide you with tools and analyses to assist with your retirement at any stage in life. As a full-service brokerage firm, we can help with: •

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Contact me today to begin preparing for tomorrow.

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Living 50+

SUNDAY, JANUARY 29, 2017

Rebounding from a late start to retirement savings

S

ome people do not have the ability to begin saving for retirement early on. Others may have brushed retirement savings aside for so long that they are now worried that it’s too late to begin socking away money for retirement.

While it’s best to start saving for retirement as early as possible, the good news is that it’s never too late to start planning for retirement. If your 40th birthday has long passed and you’re finally thinking ahead to retirement, consider these catch-up strategies.

• Research tax-advantageous retirement savings plans. A financial planner can point you in the right direction, or consult with your employer about employee programs. Deposit money into a 401(k) or 403(b) plan or another retirement vehicle. Jump on any opportunities when your employer matches invested funds. Investigate an IRA and find out if there are any government incentives. Depending on your age, you may be able to deposit more money into such accounts than other investors.

• Cut back on expenses. Cutting back on unnecessary expenses is a great way to save more money for retirement. Figure out where you can save some money you can then allocate to retirement savings. Maybe you can reduce insurance coverage on an older car or raise your deductible? Downsize

cable packages or skip that costly cup of coffee on the way to work. Perhaps it’s time to look for a smaller, less expensive home or a compact car instead of an SUV. Any money saved now will benefit you when the time comes time to bid farewell to the workforce.

• Delay your retirement. Many people who retire find themselves bored and looking for ways to fill their time, and as a result more and more people are delaying their retirement, which also gives them more time to save for that day when they do call it quits. If you want to work less, discuss and negotiate a phased retirement with your bosses that allows you to stick with your employer but gradually work fewer hours until you retire completely. You may be able to work part-time for several years and retire when you’re most comfortable.

• Consider more aggressive funds.

Even if you are 50 you still have a few decades before retirement, which leaves lots of time to grow your retirement savings. But you may want to consider more aggressive funds that can help you catch up more quickly than less aggressive investments. Just know that aggressive funds may also leave you susceptible to substantial losses.

• Don’t amass debt. If you’re saving for retirement but only paying minimum balances on your credit cards, then you’re not really saving. Pay down credit card debt before you begin to set aside money for retirement.

Delaying retirement planning may mean you have to work a little harder to build up a solid reserve. But by following some financial tips and persevering, you can still enjoy retirement with security.

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Living 50+

SUNDAY, JANUARY 29, 2017

Steps involved with estate planning

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lthough inevitable, death is an emotional subject that’s difficult to discuss. While estate planning can make people uncomfortable, it is an essential part of securing assets for future generations and can make a death in the family easier for loved ones to handle.

Estate planning is an umbrella term that refers to a host of things that must be done prior to a person’s death, including writing a will and even making funeral arrangements. Estate planning attempts to eliminate financial uncertainties and maximize the value of an estate, and allows men and women to state their wishes with regard to long-term healthcare and guardianship for their children.

Although men and women can write their own wills, many people prefer to seek the assistance of an attorney, who can make sure all necessary details are included in the will.

Medical directives

In addition to a will, estate planning includes your wishes if you become incapacitated or suffer from a serious medical condition that precludes you from making decisions about your care and finances. Spouses can be named to make important health decisions, but you may want to indicate other information, such as life support measures or organ donation, as well. If you have strong opinions on treatment, medical directives and living wills are a necessity.

Getting started

Estate planning should begin early in a person’s life, especially for young parents. It’s easy to talk about saving for a home or retirement, but it’s not so simple to discuss who will care for your children should you die while they are still minors.

Those who are not able to sort through these answers on their own should enlist the help of an attorney or a financial adviser, both of whom can take some of the emotion out of the discussion and put it in more practical terms.

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When done right, estate planning can prevent family feuds and ensure that the deceased’s estate stays in the hands of family rather than being relegated to the government. Estate planning can be a complex process, so men and women should seek help to ensure the process goes smoothly.

ensure your wishes will be carried out is to put them into a will.

A will is an important component of estate planning. Without clearly and legally spelling out your wishes, there is no guarantee that those wishes will be honored. It will be up to a state or province to make potentially life-altering decisions that can impact your surviving family members, and the only way to

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Funeral arrangements

Another aspect of estate planning concerns funeral arrangements. Many people prefer to make their own funeral and burial plans so that these heart-wrenching decisions do not fall on the shoulders of grieving family members. Funeral planning may include choosing a burial plot, selecting a casket, indicating cremation, and paying for everything in advance so there is no financial burden on surviving family members.

According to the funeral planning website Efuneral.com, the average cost of a funeral in the United States in 2012 was more than $8,500 for a burial service and $3,700 for a cremation.

That’s a considerable expense that you may not want surviving family members to pay.

Estate planning is a process that is difficult to discuss, but one that is essential to maximize your assets and ensure your endof-life wishes are honored.

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Living 50+

How to avoid growing bored in retirement

are retired, you have all the time in the world to do just that.

Whether it’s perfecting your golf game, writing that novel, learning to cook like a gourmet chef or whatever else you might have always wanted to do, retirement is a great time to do it.

F

rom the moment young men and women first walk into the office for their first day as a working professional until the day they officially retire, the notion of planning for retirement is never far from their minds. But when the day to hang up the briefcase and donate all those business suits arrives, some retirees wonder what to do next. Some retirees know exactly how they will spend their days when they no longer have to work, while others who decide to play it by ear may find themselves battling boredom.

For those among the latter group, it’s important to understand that many retirees find themselves bored once they no longer have to focus on a career. Jobs keep men and women busy and provide a sense of purpose in their lives, so it’s understandable that retirees feel bored once those jobs are no longer a part of their lives. But just because you no longer have an office to go to every day does not mean life cannot be as fulfilling or even more fulfilling than it was when you were still working. You just need to find something to avoid succumbing to retirement boredom.

• Work part-time. Though it might seem odd to start working right after you retire, a part-time job can provide the type of structure you have grown accustomed to without all of the

SUNDAY, JANUARY 29, 2017

Embracing a new hobby is one way for recently retired men and women to avoid growing bored during retirement. responsibility that comes with a full-time career. Part-time jobs can range from consultancy work that makes use of your professional experience to something entirely different like landscape maintenance at a nearby golf course that gets you out of the house and enjoying the warmer seasons.

Whichever you choose, make sure it’s something you find fun and interesting.

• Embrace a new hobby. Working professionals often say they wish they had time to pursue a hobby. Now that you

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• Get in shape. If retirement boredom has started to negatively affect your mood, one great way to conquer your boredom and improve your mood at the same time is to start exercising. Exercise is a natural mood enhancer. When the body exercises, it releases chemicals knowns as endorphins, which trigger positive feelings in the body. In addition, regular exercise has been shown to reduce stress, boost self-esteem and improve sleep. Working out at a gym also is a great way to meet fellow retirees in your community, and the energy you have after exercising may give you the boost you need to pursue other hobbies.

• Volunteer. If a part-time job is not up your alley, then consider volunteering in your community. Volunteers are always in demand, and volunteering with a local charity can provide a sense of purpose and provide opportunities to meet like-minded fellow retirees, all while helping to quell your boredom. Retirees who love to travel can combine their passion for volunteering with their love of travel by signing up to work with an international relief organization that travels abroad to help the less fortunate.

Upon retiring, many retirees initially find themselves coping with boredom. But there are many ways to avoid the restlessness of retirement.

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Living 50+

SUNDAY, JANUARY 29, 2017

Trendy exercises to rev up workouts

E

xercising consistently is a great way to get healthy. For those who find their workout routines monotonous, switching up exercises and embracing some of the newer, trendier fitness regimens may be a way to maintain your momentum at the gym.

High-intensity workouts

High-intensity interval training, or HIIT, is a concept behind some of today’s most popular exercise programs. HIIT combines cardiovascular and strength-training movements into a concentrated workout designed to keep your heart rate elevated.

HIIT workouts blend bouts of intense exercise with either rest or low-intensity activity. These workouts seem to promote faster weight loss than prolonged workouts at moderate paces.

While HIIT is functional, it is not best for those who have preexisting orthopedic injuries or serious cardiovascular conditions. But many people enjoy a stronger heart and improved muscle tone from HIIT workouts.

Kettlebells

These weighted cast-iron workout tools can be an interesting addition to strengthtraining workouts. But their utility does not stop there. Using kettlebells during any physical activity will increase the amount of fat burned and can provide a full-body workout. Kettlebells come in different weights, and newcomers are urged to start

moving to music in a fun way. Routines are fun and fast-moving, which may make them feel less like a workout and more like a social event. out gradually and build up in weight as they become more familiar and toned.

Trampoline cardio

Recess classes

Adults who want to feel like kids again need only to enroll in a fitness class that

borrows activities from the playgrounds of our youth. From walking like a crab to running drills to balance beams, these workouts take school recess and bring it to the health club.

For those who want to both shake up their workouts and lift their moods, jumping on a trampoline can do just that. It’s difficult to be in a bad mood when bouncing around like a kid on a trampoline. Trampoline classes are turning up in some upscale gyms, where each participant has his own individual trampoline. Routines mix in different choreography and small hand weights to promote a fun and effective cardio experience.

Water aerobics

Swimming isn’t the only thing you can do in a pool. Water workouts are ideal for those with muscle and joint pain because the buoyancy of the water reduces stress on these areas, while providing enough resistance for a deep workout.

Workouts may begin in chest-deep water and progress to deeper water for added resistance. Some gyms now offer aqua cycling classes that combine water aerobics with spinning.

Dance and hip-hop classes

ZUMBA® classes have been popular for quite some time. But many health clubs offer additional classes that employ dance to burn calories and tone muscles. Some gyms have developed their own cardiobased dance classes that get people

When you join the Y, you’re committing to more than simply becoming healthier. Group workouts, personalized fitness plans, swimming, social activities and a focus on disease prevention bring people together in support of values and programs that strengthen our community.

For more than a workout. For a better us.

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Living 50+

Vision changes as you age

A

s a person gets older certain bodily changes are to be expected. For example, muscle tone may diminish and bones can become more fragile as we age. Exercise and healthy eating may be able to stave off some of the effects of aging, but avoiding vision problems may require some additional effort.

Vision naturally diminishes as we age, but not all vision changes are related to aging. Many natural changes are not severe and may only require a minor adjustment in prescription glasses or contact lenses. Improved lighting or bigger print may help remedy other issues, including blurry text.

However, certain conditions that people blame on getting older really may be hereditary or a byproduct of an illness. There’s a difference between changes that are the result of aging and those that are not. Recognizing the differences can help individuals get the treatment necessary to prevent permanent eye damage.

Age-related changes

Difficulty seeing clearly for reading and close work is one of the most common age-related vision issues. This condition can begin as early as age 40 and worsen as a person gets older. Variation in the eyes’ ability to focus properly is called presbyopia, and it will worsen over time.

Other normal signs of aging include problems with glare from headlights or the sun. Lens changes in the eye can cause light to be scattered rather than focused on the retina. This leads to more glare. In dim conditions, a person may find he or she needs more light to see well. That’s because muscles that control pupil size and reaction to light lose some strength.

Changes in color perception also may begin. The normally clear lens of the eye can discolor, making it difficult to distinguish between certain hues.

Not all vision problems are directly correlated to aging. Adults should speak with their eye doctors about any problems they may be having.

Conditions not directly tied to aging

Certain eye disorders may become more prevalent as a person gets older, but that does not mean they are a byproduct of aging. Macular degeneration, which causes spotty loss of detail or sudden and severe loss of central vision, may occur. This condition is a result of damage to the macula, the central part of the retina responsible for detail, color and daylight vision.

Risk factors for macular degeneration include high cholesterol, diabetes, smoking, and untreated high blood pressure. Poor circulation to the retina is the most common cause of macular degeneration.

Glaucoma is another condition linked to aging.

Glaucoma is caused by damage to the optic nerve by fluid pressure inside the eye. Patients with glaucoma typically do not exhibit early symptoms. Glaucoma is only detectable through routine vision examinations.

According to the Mayo Clinic, about half of all 65-yearold Americans have some degree of cataract formation in their eyes. People who have cataracts may think they’re an unavoidable part of getting older. While aging may increase the risk of getting cataracts, according to Lighthouse International its true cause is unknown.

Other risks include long-term exposure to the sun’s rays, high cholesterol, diabetes, smoking, and eye injury.

Illnesses like diabetes can affect eyesight in many different ways. Proper treatment for diabetes and management of the condition can prevent a number of eye disorders.

Adults should not assume all vision changes are a direct result of getting older. Annual vision examinations by qualified eye doctors can pinpoint the cause of problems and find treatment options that are successful.

SUNDAY, JANUARY 29, 2017

Yearly eye exams can reveal more than just vision trouble

M

ore evidence points to the importance of routine eye exams, not only to pinpoint potential conditions of the eye, but also to serve as windows to diseases that affect the entire body. Now more than ever it is essential to make and keep annual eye exams, as they can help to reveal the first signs of serious ailments.

Doctors from around the world say dozens of diseases — from certain cancers to arthritis to high blood pressure — can show symptoms in the eye. Under the watchful and knowing gaze of an eyecare professional, individuals can get early diagnosis and begin treatment promptly.

According to Dr. Roy Chuck, chair of the Department of Ophthalmology and Visual Sciences at Albert Einstein College of Medicine and Montefiore Medical Center, there are many systemic diseases that can be seen in the eye. In addition to the conditions mentioned, jaundice can indicate liver disease while retinal detachment and bleeding in new blood vessels may indicate hypertension. By looking at the color of the cornea, some doctors can tell if a patient has elevated levels of cholesterol. Many people have had their eye doctors be the first healthcare professional to detect the presence of their diabetes.

If an ophthalmologist suspects an underlying medical condition, he or she will likely refer men and women to their primary care doctors for a more thorough examination.

Going to the eye doctor can do more than ensure your vision is sharp. It’s a life-saving decision for many people who have major health conditions diagnosed through the eyes.

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Warner talks jobs, economy, IP

U.S. Sen. Mark Warner visited Franklin on Tuesday to give community and business leaders a pep talk in the wake of the closure of the International Paper Co. mill. READ STORY

Fuel costs may hold electricity rates down

Even after a proposed rate increase is implemented, Franklin Power & Light customers will likely still see lower monthly bills than they did a year ago, thanks to reduced fuel costs, according to the consulting firm that developed the proposed rate schedule. READ STORY

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SUNDAY, JANUARY 29, 2017

Home remedies for joint pain can provide relief

S

tiff, painful joints affect a vast number of people. According to the American College of Rheumatology, arthritis and other rheumatic diseases afflict roughly 23 percent of Americans, while Canadian Health Surveys indicate that nearly 17 percent of the Canadian adult population have arthritis. The number of people living with arthritis is expected to increase as the Baby Boomer generation continues to age.

Treatments for joint pain and stiffness range from medication to physical therapy. Finding the right regimen may take some effort, including some trial and error. For those looking for treatments they can try at home, consider these homespun remedies. (Note: Check with a physician to confirm the safety of alternative treatments before adding herbs to or modifying your existing medications.)

• Exercise more. Regular movement helps to maintain flexibility in the body’s joints.

Those with joint pain may shy away from exercise, but they could be doing themselves a disservice. Low-impact exercises, like

swimming and water aerobics, can work out muscles and joints without adding extra stress. Walking can replace jogging or running, and yoga and pilates may be just the thing for deep stretching.

inflammation and stiffness. Foods such as fatty fish and nuts high in omega-3 fatty acids also will help fight inflammation.

Blueberries, garlic, celery, and kelp should be included in diets as well.

• Consider hot and cold therapies. Using a heating pad, hot shower or bath or an ice pack can work wonders on arthritisrelated pains. Hot treatments will loosen up stiff joints, while cold therapy is best for acute pain relief. Do not apply hot and cold packs to the skin directly, as this can injure the skin. Wrap them in a towel first before application.

• Increase magnesium intake. Magnesium can alleviate pain and reduce inflammation.

It is best ingested through dark, leafy greens but also can be taken in supplement form.

Magnesium oil can be applied topically to sore joint areas.

• Go for a massage. The Arthritis Foundation says regular massages can help reduce pain and stiffness and improve range of motion. The massage therapist should have experience working on people with arthritis. In addition, massages should be performed by licensed physical therapists and guided by a doctor’s recommendation.

• Lose weight. Joint pain is often tied to obesity. Losing just a few pounds can ease up strain on certain joints, such as the hips, feet and knees. Shedding weight can improve mobility and decrease pain and potential future damage to joints. Exercise goes hand-in-hand with healthy eating to lose weight.

beverages in your diet. Explore the many different natural foods and herbs that are purported to reduce inflammation in the body. Ginger, turmeric, flaxseed, grape juice, and bromelain can alleviate

Joint pain can impact daily life and make activities less enjoyable. Fortunately, there are plenty of ways that do not require harsh medications to loosen joints and combat pain.

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Living 50+

SUNDAY, JANUARY 29, 2017

In retirement, guarantees matter

A

recent study revealed that 70% of Americans plan to continue working once they’re “retired”.1 Why do so many expect to postpone a typical, leisurefilled retirement? One theory points to the decline of pensions and the need to replace the income stream that used to come – guaranteed – from a past-employer. Today, nearly half of all American workers are not covered by a pension plan2 and only 11% of Fortune 100 firms offer a traditional defined benefit.3

With private pensions becoming more rare, guarantees in retirement may be far and few between, but it doesn’t make them any less important.

For starters, guarantees might make you happier. Research suggests that retirees get more satisfaction from each dollar of Social Security and pension income than they do from any other source of income. 4 That’s because you’re more likely to be confident spending money when you know another check is right around the corner.

Guarantees can also help you be a more confident investor through market ups and downs. Guarantees can be the guardrails you need to stay the course when investing, knowing that you have some protection built

FPOPO F O FP

into your portfolio. And, with Americans living longer than ever before, guarantees in your overall retirement plan may help you make sure your money lasts as long as you do.

2. Towers Watson, 2012.

Contact me to learn how you can get

Contact me me to how get Contact tooflearn howyou you can can get the most outlearn retirement. the most out of retirement. the most out retirement.

Jesse Hellyer Jr., CLU * of

3. AARP.org, “Boomers Report No Savings At All”, Feb 2011

Name*, Licensed Agent Approved DBA title, [DBA Company]** 4. “What Makes a Successful Retirement?”Name*, Name*, Address Approved DBA title, [DBA Company]** Research Magazine. Feb 2014 New York Life Insurance Company ** Approved DBA title, [DBA Company]** Phone #; Email Registered Representative of NYLIFE Securities LLC, Address This educational, third-party article is Address Phone #; Email Member FINRA/SIPC, a Licensed Insurance Agency provided as a courtesy by Jesse K Hellyer,

JR, CLU], Agent, New York Life Insurance Company.

goals.

an assist on your future goals.

Just like no two retirements are alike, not all guarantees are alike, so it’s important to understand the options available to you and to identify what, in your own retirement, you want to guarantee.

1. StreetAuthority.com, “15 Reasons the U.S. Retirement Crisis Is Even Worse Than You Think”, Nov 2012

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To learn more about the information or topics discussed, please contact Jesse Hellyer, agent New York Life Insurance Company at 804-834-9939. Neither New York Life, nor its agents, provides tax, legal, or accounting advice. Please consult with your professional advisor for tax, legal or accounting advice.

527 W. Main St., Waverly, VA 23890 jkhellyer@newyorklife.com

Insure. Prepare. Retire.

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* Registered Representative offering securities through NYLIFE Securities LLC (member FINRA/SIPC), A Licensed Insurance Agency and wholly owned subsidiary of New York Life Insurance and an agent licensed to sell insurance * through New York Life Insurance Company and may be licensed to sell Registered Representative offering securities through NYLIFE Securities * Registered Representative offering securities through NYLIFE Securities insurance through various other independent unaffiliated companies.

LLC (member FINRA/SIPC), A Licensed Insurance Agency and wholly owned LLC (member FINRA/SIPC), A Licensed Insurance Agency and wholly owned ** [subsidiary of New York Life Insurance and an agent licensed to sell insurance DBA] is not owned or operated by New York Life Insurance Company or its through New York Life Insurance Company and may be licensed to sell affiliates. subsidiary of New York Life Insurance and an agent licensed to sell insurance insurance through various other independent unaffiliated companies.

SMRU1713827 (Exp.10/25/2018) ©2016 New York Life Insurance Company, through New York Life Insurance Company and may be licensed to sell ** [51 Madison Avenue, NY, NY 10010 DBA] is not owned or operated by New York Life Insurance Company or its insurance through various other independent unaffiliated companies. affiliates. ** [DBA] is not owned or operated by New York Life Insurance Company or its SMRU1713827 (Exp.10/25/2018) ©2016 New York Life Insurance Company, affiliates.

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Government’s decision expands retirement flexibility

I

t’s not often the federal government makes a decision that nearly everyone is happy with, but that’s what happened with a regulation that was recently finalized by the U.S. Treasury Department. Changes to the regulations under Internal Revenue Code section 401(a)(9) allow individuals the ability to defer the distribution of their qualified assets beyond age 70 ½ through the purchase of a Qualifying Longevity Annuity Contract (QLAC).

Generally, the new rules provide an exception to Required Minimum Distributions (RMDs) by allowing a QLAC to start making payments as late as age 85, meaning people can defer paying taxes on money that they may not need in early retirement. This is big news for those people who have been taking RMDs because they have to, not

because they want to.

A QLAC can provide more flexibility for your retirement planning by allowing you to better match your retirement income to your needs, and the ability to control when taxes can be paid on your qualified assets. A QLAC will also ensure that you will not outlive your money, because as an annuity it provides guaranteed income for life.

There are some limitations to QLACs that you should know. Most importantly, there is a cap on how much of your qualified money you can put into a QLAC. Contributions are limited to the lesser of $125,000 or 25% of the owner’s qualified account balances, less previous QLAC contributions. The 25% limit applies on a plan by plan basis and to IRAs on an aggregate basis. Also,

QLACs can only be established through a deferred income annuity with no liquidity features.

Other important rules you should be aware of include: • Eligible accounts include 401(a), 401(k), 403(b), governmental 457(b) or IRA, • Income payments must begin no later than the first day of the month following the owner’s attained age 85.

• The contract must state from inception that it is intended to be a QLAC. • Once income starts, the payments must satisfy RMD rules.

• The contract cannot have any cash surrender value or commutation benefit A QLAC can be a powerful tool for those who want more control of how

and when they start taking money out of their qualified retirement accounts.

With people living longer than ever before, the government has taken an important step in allowing people to have more flexibility with regard to their retirement assets. This is an opportunity that should be a serious consideration for many people nearing, or even in, retirement. Contact your tax/legal advisor for implications to your specific situation.

This educational third-party article is being provided as a courtesy by Jesse Hellyer. For additional information on the information or topic(s) discussed, please contact Jesse Hellyer at 527 W Main St, Waverly, Va 23890, (804) 8349939.

14

Living 50+

SUNDAY, JANUARY 29, 2017

Keep your heart running strong into your golden years premature beat to a series of premature beats that occur in rapid succession.

Arrhythmia that lasts long enough to affect heart function may include symptoms such as rapid heartbeat, fatigue, dizziness, lightheadedness, shortness of breath, and chest pain.

How can I protect my heart?

Heart healthy habits take some effort, but men and women can protect their hearts regardless of their ages.

• Get sufficient exercise. At least 30 minutes of exercise per day can protect against disease.

• Quit smoking. Smoking increases your risk for a host of ailments, including heart disease. Quitting is a great way to start getting your heart and other parts of your body back on track.

H

eart health should be a concern for people of all ages, but especially so for men and women over 50. That’s because, according to the American Heart Association, even men and women who are free of cardiovascular disease at age 50 are at a significant lifetime risk of developing the disease.

But heart disease does not have to be an accepted byproduct of aging. For example, a 2014 study published in the AHA journal Circulation found that maintaining or increasing physical activity after age 65 can improve the heart’s wellbeing and lower risk of heart attack.

In addition to increasing physical activity as they age, older men and women who understand heart disease and learn to recognize its symptoms have a greater chance of minimizing its affects and lowering their risk of having a heart attack.

• Include heart-healthy foods in your diet. A diet that is rich in fruits and vegetables and low in cholesterol, salt and saturated fat promotes heart health.

What are the symptoms of heart disease?

Heart disease is a blanket term used to describe a host of conditions, so symptoms vary depending on each individual condition. The following are some of the more widely known conditions and their symptoms: • Hypertension: Also known as high blood pressure, hypertension is a largely symptomless form of heart disease. The AHA notes that the idea that hypertension produces symptoms such as difficulty sleeping, facial flushing, nervousness, and sweating is a misconception. Symptoms typically do not alert men and women to the presence of hypertension, highlighting the emphasis men and women should place on routine visits to the doctor’s office, where their blood pressure can be

taken.

• Heart attack: The symptoms of a heart attack are different than the symptoms of heart disease that may lead to heart attack. The former can be found by visiting www.heart.org. Signs that you may be heading toward a heart attack include undue fatigue, palpitations (the sensation that your heart is skipping a beat or beating too rapidly), dyspnea (difficulty or labored breathing), chest pain or discomfort from increased activity.

• Arrhythmia: Arrhythmia means your heartbeat is irregular, and men and women often mistakenly believe arrhythmia only afflicts those who already have been diagnosed with heart disease or have had a heart attack. But arrhythmia can affect even those men and women who have healthy hearts and no history of cardiovascular disease. Symptoms of arrhythmia can vary greatly, from a single

• Don’t drink alcohol to excess. Like smoking, drinking alcohol to excess can lead to a host of problems, such as high blood pressure, arrhythmia and high cholesterol, each of which increases your risk of heart disease.

• Lose weight. Being overweight or obese is a major risk factor for heart disease.

If you have already started to exercise daily and eat a more heart-healthy diet, then you’re on your way to losing weight.

Consult your physician if diet and exercise don’t seem to be helping you to shed pounds.

Heart disease kills millions of people across the globe each year, many of whom are over 50. But men and women who learn about heart disease and how to reduce their risk stand a far greater chance of fighting the disease.

SUNDAY, JANUARY 29, 2017

Living 50+

Cholesterol and its relation to heart disease Cholesterol levels may not have the same relationship to heart disease as once believed.

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igh cholesterol levels have long been directly linked to heart disease. But as more research into cholesterol and its relation to heart disease is conducted, some doctors are shifting their views on the relationship between the two.

Statistics from the American Heart Association indicate that 75 million Americans currently suffer from heart disease. And even though one-quarter of the population takes cholesterol-lowering medication and have reduced the fat content of their diets, the AHA estimates that more Americans will die of heart disease than ever before.

More revelations are coming to the forefront regarding cholesterol and heart disease.

New research has shown that statin drugs are ineffective at reducing mortality rates in most populations. Furthermore, according to the Framingham Heart Study, which is the longest-running and most comprehensive study on heart disease to date, it was demonstrated that cholesterol intake in the diet had no correlation with heart disease. The study found that men and women with above average cholesterol levels had nearly identical rates of heart disease compared to those with below average cholesterol rates.

Another potential eye opener is that, in addition to cholesterol not affecting heart disease risk, eating high-cholesterol foods does not elevate blood-cholesterol levels as doctors once thought. Ancel Keys, who is considered the “father” of the theory that cholesterol contributes to heart disease, now says that there’s no connection between cholesterol in food and cholesterol in the blood.

If not cholesterol levels and the foods one eats, what, then is responsible for heart

disease? Many medical professionals and researchers now believe the primary causes of heart disease are inflammation and oxidative stress.

According to Dr. Dwight Lundell, a heart surgeon and author of the book, “The Great Cholesterol Lie,” foods like refined sugars and vegetable oils used to preserve processed foods may lead to the inflammation that ultimately causes heart disease. Inflammation is the body’s immune response to a foreign invader.

Foods high in sugar and saturated fat can exacerbate inflammation. Bacteria and other unwanted substances in the body also contribute to inflammation.

To combat inflammation, people can adopt a healthy eating style. Fatty fish, whole grains, leafy greens, fiber, and nuts can help reduce inflammation.

Exercise also can reduce inflammation.

Research from Mark Hamer, PhD, an epidemiologist at University College London, found that, regardless of BMI or weight, study participants who completed 2.5 hours of moderate exercise each week — about 20 minutes a day — lowered their markers of inflammation by at least 12 percent.

When a person exercises, muscle tissue releases a protein molecule called cytokine, which likely prompts an inflammation drop. Just about any type of workout that raises heart rate is effective in helping with inflammation.

The public may have been misinformed about just how vital it is to reduce cholesterol levels. Contrary to popular belief, high cholesterol may not have the same connection to heart disease as doctors once thought. In fact, inflammation may be the bigger component in heart disease risk.

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Living 50+

Easy ways to get more youthful-looking skin Many lifestyle changes, including quitting smoking, reducing alcohol consumption and staying out of the sun, can contribute to youngerlooking skin.

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F

ew people would pass up the opportunity to look younger. But men and women who want to look a little more like their younger selves without resorting to surgery can still have younger, healthier-looking skin without going under the knife. The following are a handful of natural ways to keep skin vibrant and youthful.

• Quit smoking. Quitting smoking can add years to your life and improve your appearance. Smoking damages collagen and elastin in the skin, which are the substances that help keep skin flexible and firm. Also, smoking decreases blood flow to the skin and makes it difficult for it to receive enough oxygen to stay healthy.

The act of smoking also can contribute to older-looking skin. Pursing the lips to draw on a cigarette, as well as squinting to avoid smoke in the eyes can lead to the formation of wrinkles on the face.

• Steer clear of the sun. Excessive exposure to ultraviolet light damages the skin and can cause it to age prematurely.

Also, inadvertent UV exposure, which can happen when running errands or sitting in front of an open window, also can affect the skin. Sun exposure is the top cause of uneven skin tone and dark spots. Always wear sunscreen to protect the skin from the sun. Applying sunscreen should become as automatic as brushing your teeth each day.

• Drink more water. A dehydrated body will divert water to the organs that need it the most, including the liver and heart.

When that happens, skin pays the price by not receiving adequate hydration for skin cell renewal. By drinking the recommended six to eight glasses of water per day, you can ensure your body is getting the fluids it needs to fuel natural functions, including skin cell production.

• Exercise. By working out you’ll promote

• Avoid alcohol. Drinking alcohol in excess can damage blood vessels over time. This can cause burst capillaries at the surface of the skin, which are highly visible. Drinking also may lead to flushing, which can affect appearance. People who have damaged their livers from drinking too much or abusing medication may develop jaundice, a medical condition characterized by a yellowing of the skin.

• Avoid stressful situations. It’s impossible to avoid all the stressors in life, but taking steps to reduce stress can improve your psychological outlook and appearance. Stress can lessen your body’s ability to function properly, and that can affect the appearance of your skin.

Stress-related insomnia can lead to undereye bags and a tired appearance. And according to the Archives of Dermatology, stress can increase your risk of skin diseases and may cause wounds to take longer to heal.

• Eat a healthy diet. Your skin is the largest organ in your body, and it makes sense that healthy foods will benefit the skin. Omega-3 fatty acids found in walnuts, flax and fish oil are important for skin health because they support healthy cell membranes. Antioxidants like vitamins A and C also are beneficial because they fight the effects of cell oxidation and combat free radicals that can lead to illness.

• Take care of your skin at night.

Moisturizers and serums with concentrated blends of vitamins, antioxidants and botanicals are most effective at night.

That’s because, when applied at night, such products are in contact with the skin for several hours without being wiped off.

Just be sure to apply any products to clean skin for maximum effect. A dermatologist can recommend the right products for your skin type.

There are various ways to get more youthful-looking skin, many of which can benefit the rest of your body as well.

17

Living 50+

SUNDAY, JANUARY 29, 2017

Snack foods that promote better sleep

A

ccording to the National Sleep Foundation, changes in sleep patterns are a part of the aging process. Many people experience difficulty falling asleep and then staying asleep as they age, and that difficulty can make men and women over 50 feel more tired during the day.

But even though difficulty sleeping may be a part of aging, that does not mean men and women over 50 cannot take steps to improve their sleeping patterns.

For example, certain snack foods may help to improve quality of sleep, especially when these foods replace less healthy snacking options. While men and women over 50 should always consult with their physicians before making any changes to their diets, the AARP notes that the following are a handful of snack foods that promote better sleep.

• Almonds: Magnesium is a mineral with muscle-relaxing properties, and almonds contain enough magnesium to help men and women get a better night’s sleep.

A small amount of almonds before bed might be enough to make falling and staying asleep easier.

asleep sooner.

• Bananas: Much like almonds, bananas provide a substantial amount of magnesium. Bananas also contain the amino acid tryptophan, which many people associate with Thanksgiving turkey. While tryptophan might be most often associated with the sleepiness people feel after eating a holiday meal, it also has been linked to better sleep quality, so a banana shortly before bed might be just what you need to fall and stay asleep.

• Cheese and crackers: One more traditional snack may just help you get a better night’s sleep. Cheese and crackers contain tryptophan and carbohydrates, which can induce a better night’s sleep and help you fall

• Cherries: Cherries contain the sleep hormone melatonin, and the AARP notes that recent studies indicated that participants who drank tart cherry juice on a daily basis fell asleep more quickly and slept longer and better than participants who did not.

• Hummus: The primary ingredient in hummus is chickpeas, which are loaded with tryptophan, folate and vitamin B6.

Folate has proven especially beneficial to older men and women who need help regulating their sleep patterns, while vitamin B6 helps the body regulate its clock.

• Peanut butter: Peanut butter is another snacking item loaded with tryptophan. Spread some peanut butter

on a carbohydrate, whether it’s a slice of toast or some crackers, before going to bed, and you may enjoy a better, longer sleep.

• Walnuts: Like cherries, walnuts contain melatonin, which can contribute to a longer, more restful night’s sleep.

Walnuts also can help regulate stress, which is a leading cause of sleeping difficulty.

Many men and women experience difficulty sleeping as they age. But the right foods may just help combat such problems and help men and women get a more adequate night’s sleep.

18

Living 50+

SUNDAY, JANUARY 29, 2017

Aging and driving

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Driving ability may decline as drivers age.

But certain steps can keep seniors on the road longer.

G

etting behind the wheel and enjoying the freedom to travel is a luxury few are anxious to abandon. But there comes a time in nearly every person’s life when he or she must take inventory of his or her driving and assess if that next joy ride is a safe and smart decision.

Driving may help older adults remain independent and mobile, but the chance for a motor vehicle accident increases as one ages. The Insurance Institute for Highway Safety says fatal crash rates per mile traveled increase starting at age 75 and increase notably after age 80. This is largely due to increased susceptibility to injury and medical complications among older drivers rather than an increased tendency to get into crashes. Road accidents tend to increase around a person’s 65th birthday.

Authorities in Canada require physicians to warn patients if the doctors have any concerns about their patients’ ability to drive. Doctors also must report these concerns. There are no such requirements in the United States, where individual drivers and families must use their own judgement to decide if it is still safe for a particular person to be on the road.

Minor fender benders, traffic citations, trouble remembering directions or frequently visited stores, may be early indications that a driver is no longer at his or her best behind the wheel. Some experts say that families should institute driving directives, much in the way a person would spell out medical desires or end-of-life plans. This way, when the time comes to assess driving ability, the conversation already has been started.

There is no set age when a person’s keys should be taken away, as aging does not guarantee drivers’ abilities will decline. In fact, there are many things people can do to prolong their time on the road.

• Get routine vision and hearing checks. These examinations will help to determine your fitness to be on the road and shed light on any issues that need to be addressed. Those who wear contact lenses or glasses may need to update their prescriptions.

• Get enough sleep. Lack of sleep can affect the body in many ways, including reducing reaction time. Falling asleep while driving can compromise the safety of drivers, their passengers and fellow motorists.

• Know your medications. Certain medications can make you drowsy, so read the labels so you know not to drive while taking them. Speak with your doctor to see if there are any substitutes that won’t affect your performance behind the wheel.

• Recognize your limitations. You may not like driving at night or in inclement weather. Stick to driving when you feel most comfortable.

• Enroll in a refresher course. Sign up for a defensive driving course to review your driving skills. Not only may it make you safer on the road, but it also may help reduce your insurance rates.

Getting older doesn’t mean you have to quit driving right away. Recognize the signs of a decline in driving ability and figure out how long it is safe to remain behind the wheel.

SUNDAY, JANUARY 29, 2017

Living 50+

Caring for an elderly relative at home place.

• Establish a caregiving budget. Caring for the elderly is expensive. MetLife says working Americans lose an estimated $3 trillion in lifetime wages, with average losses of $324,044 for women and $283,716 for men, taking time to provide care. Before a senior can be welcomed into your home, you must first determine which financial changes must be made to accommodate this person. Will a parent be contributing to a portion of the expenses or paying rent? Is it feasible for you to reduce hours at work to care for this individual? Once you have the numbers in black and white, you can better assess your situation.

D

ecisions about providing care for an aging loved one are seldom easy. Various options exist in terms of elder care, including assisted living facilities and nursing homes.

Seniors who are self-sufficient may be able to stay in a retirement community or active living building. In other instances, the best course of action is to have an elderly relative move in with family members.

MetLife estimates that nearly 10 million adult children over age 50 now care for an aging parent. Care is defined as helping with feeding, bathing, dressing, and other personal care needs, going beyond driving a parent to appointments or helping them with financial matters.

Taking care of a senior requires a profound commitment and can completely disrupt a person’s life, both at home and at work. Men and women faced with caring for an aging parent at home may want to employ several strategies to make that transition go as smoothly as possible.

• Talk to the senior about your options. Making decisions together will be best for everyone involved. It can be challenging to discuss mortality and whether or not elderly parents or relatives can properly care for themselves. Broach the subject well in advance of making any plans so you will have some understanding of how the senior feels about the situation and what would make him or her most comfortable.

Your parents may already have a plan in

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• Aim for stability. Moving and changing routines can be especially stressful for seniors who are used to their own schedules and habits. Transfer furniture and mementos from their home into yours. Encourage seniors to maintain a social schedule and invite friends over.

Try to help your loved one keep his or her doctors and, if possible, take them to shop where they have shopped in the past. These opportunities will make the transition to a new home easier.

• Discuss finances. It’s essential to understand your loved one’s financial situation. Make lists of his or her assets and any insurance policies in his or her name. Understand which health procedures are covered and discuss ways to finance any procedures or medications that are not covered by your loved one’s policy. Ask if your loved one wants you to manage his or her finances or when he or she may feel this is necessary. Professional help, such as an attorney, financial planner or a geriatric care manager, can make it easier to understand the legalities and subtleties of these arrangements.

• Make time for yourself. Caring for the elderly can seem like a full-time job, and it’s easy to forget yourself in the process.

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