Senior Lifestyle

SENIOR

February 2021

A special advertising publication of Valley Community Newspapers • www.valcomnews.com

L I F E S T Y L E S

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• Rates Starting at $4100.00 per month • Wheelchair Transfers • Social Atmosphere • Escorting to Meals, Activities & Medical Appointments

Please contact Coreen Tigley to schedule a tour or a FREE assessment.

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Knowledge is Power.

Eskaton has been a trusted advisor and provider of senior living and services in Northern California for over 50 years. As a local nonprofit, we are committed to empowering older adults and their families with resources and information to help them understand their options and which services are best suited to meet their needs and preferences.

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Senior Lifestyle • February 2021 • A special advertising publication of Valley Community Newspapers • To advertise, call 916-429-9901

Discover the Eskaton Difference Eskaton has been a trusted advisor and provider of senior living and services throughout Northern California for over 50 years.

As a regional nonprofit, we are committed to meeting the needs of older adults and their families with compassion, honesty and innovative solutions that support their health and well-being. The Eskaton Difference lies in our life-enriching signature programs and wide-ranging spectrum of services. With a national reputation for innovation, Eskaton remains focused on creating a culture of purposeful living and being a catalyst for change.

Eskaton’s Diverse Continuum of Care Our unique family of services is what truly sets Eskaton apart. Our communities provide a wide range of senior living options, including independent and assisted living, pre-memory and memory care, and rehabilitation and skilled nursing services. Older adults can remain in their own homes as long as possible with our Home Support Services, and Care Navigators with Live Well at Home are available 24/7 to help families find solutions. For older adults on limited incomes, Eskaton offers affordable housing options in 13 locations across Northern California.

Eskaton’s Commitment to Innovation Eskaton believes in empowering residents by developing living environments that provide them with the highest levels of control and adaptability. To achieve this goal, Eskaton partnered with K4Connect and Amazon Alexa to integrate voice-activated and smart sensor technology into residential living apartments using every day devices like lights and thermostats. The integration of voice-control is transforming the way residents, regardless of age or physical ability, interact with and personalize their homes.

Nearly 80% of residents use Alexa every day, whether asking to hear a favorite song, setting reminders or turning on the lights when entering the restroom. For residents with mobility or vision issues, these features are exceptionally useful and easy to use.

Social connection with family and friends continues to be a primary focus. The corresponding K4Connect app provides residents with easy access to community information and their peers, linking them to family, friends and community life. The K4Connect family app makes it simple for family members to contact loved ones living at Eskaton, video chat, check the menu and view the community announcements themselves.

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Beyond our integration of smart home technology, Eskaton has also partnered with SafelyYou to assist care partners in identifying and mitigating fall risk among residents.

SafelyYou is an innovative artificial technology (AI) system designed to detect and reduce fall risk for older adults. During the pilot program, this technology reduced the number of unnecessary ER visits for residents by 93% and continues to assist care partners in identifying risk factors that contribute to falls.

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Eskaton’s Health Initiatives and Community Outreach Services Promoting the health and well-being of older adults throughout the Sacramento region is an important part of Eskaton’s vision of Transforming the Aging Experience. Eskaton’s Community Outreach Services provide valuable support and information regarding senior living and services to support older adults and their families. These programs are offered completely free of charge to all.

If you or a loved one have been considering moving to a senior living community or believe you are in need of senior services, call or visit our website at eskaton.org to Discover The Eskaton Difference.

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To advertise, call 916-429-9901 • A special advertising publication of Valley Community Newspapers • February 2021 • Senior

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Evaluating seniors’ biggest expenses New parents may not be able to visualize that one day their largest expenditures won’t be centralized around providing necessities for their children. Adults go though many years of paying for diapers, toys, clothing, food, and education for their children. Yet, when the children have flown the coop, spending patterns change, and even more changes await come retirement.

According to a 2020 survey from the financial services firm Edward Jones, 68 percent of workers soon to retire said they had no idea how much they should be setting aside for expenses, particularly health care and long-term care. Professionals approaching retirement would be wise to analyze the Consumer Price Index - Elderly (CPI-E). It is a good reference to estimate which future expenses will cost the most after retirement. The Bureau of Labor Sta-

tistics looks at consumer spending and uses various data to determine the rate of inflation in key areas that apply to older adults starting at age 62.

Individuals may be surprised to learn about where they’ll be spending the bulk of their money when they get older. Here’s a look at some key categories.

Housing: According to data from the Employee Benefit Research Institute, in 2017, the most recent year for which data is available, housing accounted for roughly 49 percent of all spending for seniors. Focus should be centered on lowering those costs when a fixed income is imminent. The possibilities include paying off a mortgage; downsizing a home to have a lower rent or mortgage payment; refinancing a home to a fixed-rate loan so that costs are predictable; and taking on a tenant to offset costs.

Food: The cost of food will not change dramatically, but it can eat into your budget. Even though food costs may decline when there’s only two mouths to feed, food and beverage spending may go up due to more leisure time and dining out. Utilize senior discounts by shopping on days when stores offer percentages off purchases. Save money on restaurant spending by eating out at lunch instead of dinner, splitting plates or skipping appetizers.

Healthcare: Experts warn that while many expenses decline in retirement, health care spending increases. According to Fidelity, the average 65-year-old couple retiring in 2020 in the United States needed roughly $295,000 just to cover their retirement

health care expenses. Those with family histories of severe illnesses or those with preexisting conditions will need even more. It’s also important to realize that roughly half of the population will need long-term care at some point, offers The Motley Fool, and that requires advanced budgeting as well.

Many people find that Medicare supplement plans can bridge the gap in expenses that government-run plans will not cover. Saving through a health savings account (HSA) when employed also can create extra cash on hand for retirement expenses.

Understanding which retirement expenses will be high can help people plan better for the future.

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Exercise ideas for people with mobility issues Physical activity is vital to overall health.

The World Health Organization says limiting time spent being idle and taking advantage of opportunities to get moving even if it’s just a little bit of exercise it can go a long way toward improving overall health.

In November 2020, the WHO released new exercise guidelines for people of all ages.

Adults should get between 150 and 300 minutes a week of moderate to vigorous aerobic activity, and that includes older adults and those with chronic conditions or disabilities.

Individuals with limited mobility due to age or preexisting medical conditions may wonder how they can meet the guidelines for exercise. Those with chronic pain or illness sometimes find that exercising for more than a few minutes can be challenging. Even brief periods of exercise can pay dividends, and there are various approaches people can take to work around mobility and other issues.

Explore chair exercises Just because you are seated doesn’t mean you can’t get a workout in. Seated chair exercises can work various muscle groups. Seated arm rows, tummy twists, overhead arm raises, hand squeezes with a tennis ball, inner thigh squeezes, leg lifts and extensions, and many

Use resistance bands Resistance bands are like giant rubber bands that can be used to build up strength and flexibility. Resistance bands are effective, lowcost gear that can offer high-impact results for building muscle, staying fit and increasing mobility. Resistance bands can be used in lieu of hand weights for many exercises and be ideal for those who find barbells and dumbbells are challenging to maneuver.

Mind-body exercises are an option

Using resistance bands and doing chair exercises are ways for individuals with limited mobility to get fulfill their weekly physical activity requirements.

other exercises can be customized to be performed in a chair.

Work out in the water Exercising in the water can assist with movement and reduce strain on the body. The Ar-

thritis Foundation says the water’s buoyancy supports body weight, which minimizes stress on joints and can alleviate pain. Water provides gentle resistance as well up to 12 times the resistance of air. That means it’s possible to build strength and muscle even just walking or swimming around a pool.

Elder Gym, a fitness from home service for seniors, suggests exercises like Tai Chi and yoga for those with limited mobility. These exercises integrate awareness of body movement with the exercise through coordinated breathing. The exercises encourage people to focus on slow, fluid movements and deep stretching.

Seniors and others with limited mobility are advised to first discuss fitness regimens with a physician to get a green light to proceed. Then exercise regimens can be started gradually and altered to become more vigorous as the body acclimates to exercise. Increase duration and frequency as strength and endurance builds.

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Senior Lifestyle • February 2021 • A special advertising publication of Valley Community Newspapers • To advertise, call 916-429-9901

Puzzle Solutions Page 8

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To advertise, call 916-429-9901 • A special advertising publication of Valley Community Newspapers • February 2021 • Senior

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PUZZLE SOLUTIONS

Senior communities offering lifestyles Living life to the fullest does not need to stop when adults near or reach retirement age. Age-restricted housing communities once bore the stereotype of having limited recreational options and dated surroundings.

But modern senior homes and facilities are all about catering to active lifestyles with some communities offering resort-like amenities and pristine properties. Furthermore, certain communities provide niche offerings for people who are looking for something even a little more different.

Eligibility to live in these communities varies, but generally speaking one resident in the home must be age 55 or older. According to research by TRI Pointe Homes, of the 75 million people who comprise the Baby Boomer generation who are eligible for agequalified communities, more than 32 million would consider living in such a community.

The website 55places.com, which specializes in promoting age-restricted communities, indicates Florida has the most age-restricted communities in the country, followed by New

Jersey. Arbutus Ridge Seaside Community for Active Adults was the first comprehensive retirement community built in Canada.

Choosing an age-restricted community requires consideration of a host of factors, including the amenities residents most desire and the cost of a facility. The following factors can help people decide which community is most suitable for them.

- Style of home: Homes built in retirement communities are designed to be comfortable and convenient for aging residents. Many are single-floor units. Certain communities may be comprised of apartments, condos or townhouses, while others may be single, detached residences.

- Amenities: When comparing age-restricted communities, consider the amenities available. Do they include on-site dining, transportation, travel assistance, pools, fitness centers, walking trails, or outdoor sports facilities?

Some communities have “aging in place” amenities, which means residents can move from independent living to assisted living to skilled

nursing care as their needs change. Make a list of interests and then match them to a community that can fit your needs.

- Costs: Costs vary considerably. Investopedia advises seniors to consider the community’s location and what is being offered, as these factors will affect costs. In addition to rent or mortgages, most communities also have monthly maintenance or homeowners association fees that need to be compared and considered. Read contracts carefully to see which other costs are included.

- Specialized features: Unique men and women call for unique communities. If standard age-restricted communities do not fit the bill, 55places.com says there are specialized offerings for people who spend retirement in an RV; desire homes that align with their heritage; communities just for postal workers; or communities tied to a local college to continue lifelong learning.

Age-restricted retirement communities are evolving and many specialize in catering to active lifestyles.

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During the height of winter, people increasingly retreat indoors and look for something to within the warm confines of home. Plenty of activities can fit the bill, but some provide the rewarding prospect of a freshly made meal or dessert.

When seeking recipes for cold days, consider those comfort foods that can be enjoyed warm to chase away the chill. “Croissant Bread Pudding” is an ideal choice. Topped with a rum-flavored sauce, it’s sweet and decadent for all the right reasons. Enjoy this recipe from “The Pampered Chef: Stoneware Inspirations” (The Pampered Chef, Ltd.) by The Pampered Chef Test Kitchens.

4 large croissants (about 3 ounces each) 1 red baking apple, such as Jonathan 6 eggs 1/2 cup plus 3 tablespoons sugar, divided 2 cups half and half 1 orange 1/2 cup pecan halves, chopped 3/4 cup butterscotch caramel ice cream topping 1/4 teaspoon rum extract 1/2 cup golden raisins 1. Preheat oven to 350 F. Lightly spray a deep baking dish with nonstick cooking spray. Slice croissants from top to bottom into 1/2-inch slices. Set aside 16 of the largest slices. Cube remaining slices and place in bottom of baker.

Arrange reserved slices over cubes in an overlapping circular pattern. Core and slice apple, leaving peel on; cut slices in half. Tuck apple slices between croissant slices.

2. In a bowl, whisk eggs and 1/2 cup of the sugar. Pour half and half into a microwavesafe container and microwave on high 2 minutes or until hot. Slowly add half and half to egg mixture; whisk until blended. Carefully pour egg mixture over croissants. If necessary, lightly press croissants down to coat.

3. Zest orange to measure 2 teaspoons zest.

Juice orange to measure 1/4 cup juice; set juice aside. Chop pecans. Combine remaining sugar, orange zest and pecans; sprinkle over croissants. Bake 30 to 35 minutes or until golden brown and set in center. Remove from oven to a cooling rack; let stand 10 minutes.

4. Meanwhile, combine ice cream topping, rum extract, reserved orange juice, and raisins in a microwave-safe container. Microwave on high 30 to 60 seconds or until hot; pour into serving bowl. Serve sauce over pudding.

Senior Lifestyle • February 2021 • A special advertising publication of Valley Community Newspapers • To advertise, call 916-429-9901

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Hospice Ensures Quality of Life at the End of Life

Many people shy away from the words hospice or “end of life care” and do not broach the topic. This subject is often only considered at the last minute when a decision is much needed, within a day, or at times, within a few hours. We at Absolute Compassion believe there is a better way.

Knowledge and education can give us peace of mind in moments when medical decisions have to be made for loved ones, friends and neighbors. Being familiar with what hospice and palliative services are, as well as understanding ones’ rights and options, can be of tremendous comfort to all involved in these stressful moments of decision making.

Patients with incurable medical conditions and less than six months of life expectancy can benefit from hospice services provided by a compassionate team of health care professionals who support all areas of wellbeing: the physical, social, emotional, and spiritual aspects of a patient’s care. Hospice care services focus on quality of life during that moment, managing pain and symptom relief rather than curative treatments.

We encourage you to attend one of our community trainings/classes and meet with our team of dedicated professionals, so you can have peace of mind while making or helping someone else make quality of life decisions. Please call or email us for questions or concerns regarding hospice services.

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Saving strategies as retirement draws near Professionals on the cusp of retirement are often excited about what lies ahead. Some prospective retirees may look forward to traveling once they no longer have to go to work each day, while others may plan to return to school. Regardless of how adults envision spending their retirement, they’re going to need money when they’re no longer being paid by their employers.

As retirement nears, some professionals may be concerned that they haven’t saved enough. There’s no one-size-fits-all answer in regard to how much money people will need in retirement. People who are worried they haven’t saved enough can try various strategies to build up their account balances before they officially call it a career.

- Take advantage of catch-up contributions. Adults who are 50 or older are eligible to take advantage of catch-up contributions. These are designed to help people over 50 contribute more to certain retirement accounts, such as a 401(k) or IRA, than statutory limits would otherwise allow.

There are limits that govern the amount of money people can designate as catch-up contributions, but taking ad-

vantage of this perk can help people save more as retirement draws closer.

- Consider relocating. A recent study from the Employee Benefit Research Institute found that housing costs accounted for 49 percent of seniors’ spending. Professionals nearing retirement who live in areas traditionally associated with a high

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cost of living can begin to rethink their long-term housing strategy. Relocating to an area with a lower cost of living is one option, while those who prefer to remain in their current town or city can consider downsizing to a smaller home to reduce their property taxes and monthly utility bills.

- Continue investing. Conventional wisdom suggests moving away from investing in stocks the closer you get to retirement. Though that’s a sound strategy, professionals who are trying to build their retirement savings in the final years before retiring could be missing out on significant growth by abandoning stocks entirely. Speak with a financial advisor about stock-based investments and your risk tolerance.

Maintaining a diversified portfolio with a little risk can be a great way to grow your savings as retirement draws near.

Professionals approaching retirement may be dealing with a mix of excitement and anxiety, particularly if they’re concerned about their retirement savings. Various strategies can help quell such anxiety and make it easier for professionals over 50 to build their savings as retirement nears.

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Senior Lifestyle • February 2021 • A special advertising publication of Valley Community Newspapers • To advertise, call 916-429-9901

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LOOKING FOR THE BEST IN SENIOR CARE?

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PROVIDING SENIORS THE ASSISTANCE THEY NEED, IN THE COMFORT, CONVENIENCE & SECURITY OF THEIR OWN HOME

Available 24 hours a day for in-home care for seniors who need assistance due to illness, injury, surgery, or active seniors who need some assistance at home.

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Owner Rangi Giner lives in Sacramento’s Greenhaven neighborhood, where she also operates a highly personalized assisted living facility of thirty-four clients. She has worked in elderly care & assisted living for over 30 years. She is guided by compassion and an abiding respect for elders.

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