The Good Life by Waterloo-Cedar Falls Courier

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Live better! Sunday, January 28, 2018

2 | Sunday, January 28, 2018

THE GOOD LIFE

Age ferociously with eating game plan

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healthy diet and lifestyle are our best weapons against age-related diseases, and for staying healthy and active throughout life. Becci Twombley is sports dietitian for USC Athletics and Angels Baseball, overseeing the nutrition of 650 collegiate athletes and the 200 MLB and minor league baseball players within the Angels organization. The healthy practices she employs to keep her athletes fighting strong also apply as preventative measures for staying fit and active as we age. “It’s vital at any age to adopt good habits to live a long and healthy life,” says Twombley. “Exercise and move 30 minutes a day and along with that, pay attention to what you put in your body.” Twombley’s prevention plan against age-related illnesses and conditions starts with a “food first” approach. Diet has a profound impact on two of the leading causes of age-related illnesses and conditions: inflammation and being overweight, according to Twombley. “Maintaining a healthy heart and blood vessels are two of the most important things anyone can do, along with keeping one’s weight under control.” Eating a healthy diet does not need to be a chore, she claims. It is all a question of smart choices. Picking the right foods not only makes a difference in health risks, but also positively affects performance throughout the day at work and at home. While the answer is not in a single food, or even a handful, adding nutrient-rich foods like these Twombley recommends, and calls the “All Americans” of the functional food group, is part of a winning game plan.

muscle recovery, improving recovery time. In addition, and calcium like we often hear, milk also contains elecit boosts sleep quality to help prevent anxiety and stress trolytes for good muscle contraction. Pistachios are a multitasking nut that has proteins later on in the day. and healthy fats, as well as three types of antioxidants. Salmon and grass-fed beef Those antioxidants help to decrease blood pressure and Greek yogurt Both of these are high in omega-3, which is a really allow for good muscle recovery. Plain Greek yogurt is a nutrient-packed snack that good healthy fat profile for overall heart health. They Large population studies show that people who reg- has many health benefits. High in protein, it can boost also decrease inflammation in the long term. Inflamularly eat nuts, such as pistachios, have a substantial energy and muscle mass, which decreases as we age. It mation causes a lot of the diseases we fear as we age, lower risk of dying from heart disease or suffering a can also benefit digestive health if it contains probiot- whether it’s diabetes or cardiovascular health. heart attack. Pistachios may protect from heart dis- ics. Check the label to see if it contains live and active Beyond these foods Twombley identifies, the noted ease in part by improving blood cholesterol levels. Pis- cultures. nutritionist has more tips for healthy eating. tachios contain relatively high levels of the amino acid Look for different colors of foods at different times. L-arginine, which maintains the arteries’ flexibility and Beets Make sure they’re incorporated throughout the day. Eat often and in a good portion size. enhances healthy blood flow by boosting nitric oxide, a The deep red root vegetable increases the size of blood Shop for high quality whenever possible and pay compound that relaxes blood vessels. They’re also good vessels, thereby improving the flow of oxygen that can for the eyes and skin, and have been found to positively get to muscles and tissues. For anyone with high blood attention to ingredients. pressure or suffering from cardiovascular disease, this promote weight maintenance. Maintain balance. Make sure your plate has carbois a good food to include. hydrate, protein and healthy fat in the correct amounts. Cherry juice Add fruits and vegetables to that to get the antioxidants. Twombley serves tart cherry juice to her athletes after Milk And finally, have a plan. Plan out what you’re going their workouts as its targeted antioxidants help with A good hydration beverage that has protein, vitamin D to eat that day and stick to it.

Pistachios

THE GOOD LIFE

Sunday, January 28, 2018 | 3

Beat winter blues with Vitamin-D rich foods

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Maintaining vitamin D levels during the cold winter months may help keep you healthy during cold and flu season while also boosting your mood. What’s more, vitamin D may help you maintain a healthy weight. It’s no secret that many people experience weight gain due to the flood of comfort foods available during cooler months. This, paired with lower physical activity, causes many people to put on a few winter pounds. According to a study quoted in Men’s Health, a University of Minnesota doctor found that people with adequate vitamin D levels lost more weight than those with low levels, even though all study participants reduced their calorie intake equally. To get all the benefits of vitamin D, start by adjusting your diet. Vitamin D occurs naturally in eggs and oily fish like salmon,

inter got you down? Seasonal Affective Disorder (SAD) is estimated to affect 10 million Americans, according to Psychology Today. Another 10 percent to 20 percent may have mild SAD. Even if you don’t have diagnosed SAD, it’s not uncommon to have bouts of the winter blues. There are many reasons people experience a “winter funk:” cold weather, little sunlight, shorter days, limited outdoor activity, etc. Additionally, between the months of November and March, the lack of vitamin D absorption from the sun can be taxing on your immune system and may also be contributing to your winter blues. Dubbed “the happy vitamin” by some researchers, vitamin D could be the key to turning seasonal frowns upside-down.

tuna and mackerel, but it’s important to look for foods that contain even higher levels of vitamin D to naturally boost your intake, especially in the winter. “Food is quite literally one of the best medicines out there when it comes to improving your mental and physical health,” says registered dietitian nutritionist, Dawn Jackson Blatner. “One of my favorite tips for boosting Vitamin D intake is to simply swap out ordinary eggs for Eggland’s Best eggs, since you’ll automatically get six times more vitamin D — it doesn’t get any easier than that!” A healthy diet that uses mood-boosting ingredients doesn’t have to be boring. Get creative in the kitchen and try new recipes featuring vitamin D-rich ingredients like this BLT Salmon Caesar Salad from Eggland’s Best and TheAlmondEater.com.

BLT Salmon Caesar Salad‌ 1 salmon filet, baked and sea-

1 avocado, sliced soned to your liking 1 cup croutons 2 slices bacon, cooked ½ cup shredded Parmesan cheese 1 Eggland’s Best large egg 5 cups lettuce 2 tablespoons Caesar dressing ½ cup tomatoes Heat bacon in a skillet and cook completely; set aside and then cut or break into bite-size pieces once cooled. Soft boil the egg over the stovetop. While egg is cooking, place lettuce in a large bowl and add tomatoes, avocado, croutons and cheese to the bowl; stir to combine. Next, add baked salmon to salad, along with bacon and Caesar dressing. Stirr to combine. Last, add the soft-boiled egg.

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4 | Sunday, January 28, 2018

Wow-worthy dishes to prepare, savor TRIBUNE NEWS SERVICE ‌

Cedar-Planked Salmon Fillets with Broccolini ‌ 1 untreated cedar plank, 12 to 15

2 tablespoons Dijon mustard inches long and about 7 inches wide 2 tablespoons packed brown sugar 1 skin-on salmon fillet, about 1 pound broccolini, stem ends trimmed and split 1½ pounds and 1 to 1½ inches lengthwise ½-inch below florets thick 2½ tablespoons olive oil Kosher salt and freshly 1 tablespoon grated orange zest ground black pepper Soak cedar plank in water for at several hours or overnight. Prepare grill for medium heat about 375 to 400 F. Cut salmon into four equal pieces and generously season salmon with salt and pepper. In a small bowl mix together the mustard and brown sugar into a paste. Spread the paste all over the salmon. Toss broccolini with oil, salt and pepper to taste. Place soaked cedar plank over direct medium heat and close lid. After 5 to 10 minutes when plank begins to smoke and char, turn plank over. Place fillets, skin side down, in a single layer on plank, leaving a little room between fillets and place broccolini on grates surrounding the plank. Grill fillets and broccolini with lid closed until salmon is cooked to desired doneness and broccolini is crisp-tender, about 12 to 15 minutes, turning vegetables and checking salmon for doneness every 5 minutes. The broccolini will char a little on the floret ends. Transfer salmon fillets to plates. In a bowl, toss broccolini with orange zest and serve with salmon. Serves 4. Adapted from “Weber’s New Real Grilling” by Jamie Purviance (Sunset, $24.95).

STEVE KNAPP/Lockard Realty Steve, a lifelong resident, has been a real estate broker and manager since 1973. He uses his expertise to assist clients in real estate transactions in homes, commercial, and investment properties.

consistently a leading buyer and seller agent. He has served on several local boards of directors over the past 30 years, and as a WaterlooCedar Falls Board of Realtors officer and director.

Steve is managing broker of Lockard Realty and is

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Shaved Cauliflower Salad ‌ 1 teaspoon finely grated lime zest ¼ cup fresh lime juice 1 teaspoon Dijon mustard 1 teaspoon honey ¼ cup olive oil Kosher salt and freshly

ground black pepper

10 ounces cauliflower

florets (from about ½ of a small head), very thinly sliced lengthwise on a mandoline 1 tablespoon plus 1 teaspoon nutritional yeast, divided 2 cups 1-inch-wide strips romaine 2 cups torn frisée or any artisan lettuce like petite tango 2 ounces Parmesan, finely grated, divided In a large bowl, whisk lime zest, lime juice, mustard and honey. Whisking constantly, gradually add the oil until the dressing is emulsified. Season with salt and pepper. Add the shaved cauliflower and 1 tablespoon nutritional yeast to dressing; toss to combine. Add lettuce, frisée, and half of Parmesan and toss again; season with salt and pepper. Transfer salad to a platter and top with remaining Parmesan and sprinkle with remaining 1 teaspoon nutritional yeast. Serves 4. Adapted from Bon Appetit magazine, September 2016 issue

THE GOOD LIFE

Sunday, January 28, 2018 | 5

Asian Chicken Noodle Bowls ‌ Chicken:

2 tablespoons canola oil 1 cup chopped onion 3 cloves garlic, peeled, minced 1 teaspoon ground ginger 1⁄8 teaspoon red pepper flakes 1 pound ground chicken or tur-

key breast meat 2 tablespoons hoisin sauce 2 tablespoons rice vinegar 1 tablespoon reduced-sodium

soy sauce

¼ teaspoon black pepper

2 tablespoons water

Peanut butter dressing: 1½ tablespoons peanut butter 1 tablespoon hoisin sauce 1 tablespoon brown sugar 1 tablespoon Thai chili garlic paste 1½ tablespoon reduced-sodium soy sauce 2 tablespoons rice vinegar

For dish:

5 cups cooked whole-wheat

spaghetti noodles

12⁄3 cup shredded carrot 12⁄3 cup sugar snap pea pods

(each pod sliced into 3 or 4 pieces) 12⁄3 cup sliced red bell pepper 1/3 cup sliced green onions

To prepare chicken mixture, heat oil in a large, nonstick skillet over medium heat. Add onion, garlic, ginger and red pepper flakes, and sauté 2 to 3 minutes. Add ground chicken and continue cooking, forming crumbles and incorporating into sautéed onions. Whisk together hoisin sauce, rice vinegar, soy sauce, and black pepper. Pour mixture over chicken crumbles and cook, stirring occasionally until most of the liquid has evaporated; 5 to 8 minutes. To prepare dressing, combine peanut butter, hoisin sauce, brown sugar and chili garlic paste until smooth. Gradually add soy sauce, vinegar and water and stir until smooth. To assemble each bowl, place 1 cup cooked pasta in bottom of bowl, top with ½ cup seasoned chicken, 2⁄3 cup shredded carrot, 1⁄3 cup sliced pea pods and 1⁄3 cup red pepper. Drizzle each serving with 2 tablespoons peanut butter dressing and garnish with sliced green onions. Serves 5.

your partner in

Created by Darlene Zimmerman, MS, RD, for Heart Smart

Baked Ham and Cheese Sliders ‌ 24 slider buns 6 to 8 tablespoons Dijon, coarse

grain brown or yellow mustard

24 slices favorite ham or turkey

(use more if the slices are very thin) 24 thin slices provolone or Swiss cheese Freshly ground black pepper to taste 6 tablespoons unsalted butter ¼ cup finely chopped onion 2 tablespoons poppy seeds 3 tablespoons Worcestershire sauce 1½ teaspoon garlic powder Preheat the oven to 350 F. Arrange slider bun bottoms on a sided baking sheet or arrange in a baking dish (you may need 2). Brush some mustard on the bottom bun. Fold ham slices in thirds, and place 1 slice (or 2 if they are very thin) on each roll bottom. Fold the cheese the same way and then place over ham. Season with pepper. Brush the inside of the bun cap with more mustard if you’d like. Place bun cap on ham. In a small bowl, combine the butter, onion, and poppy seeds. Microwave until butter is melted and onion is softened, about 1 minute. Whisk in Worcestershire, garlic powder, and remaining 2 tablespoons mustard into butter mixture until combined. Generously brush tops and sides of the sandwiches with all of butter mixture. Spoon any remaining solids over sandwiches. Cover dish with aluminum foil and let sit for 10 minutes to allow sandwiches to absorb sauce. Bake for 20 minutes. Uncover and continue to bake until cheese is melted around edges and tops are slightly firm, 7 to 9 minutes. Let cool for 10 minutes. Serve. Serves 6. Adapted from www.cookscountry.com

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THE GOOD LIFE

6 | Sunday, January 28, 2018

Social life may be secret to brain health

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KAISER HEALTH NEWS

sk Edith Smith, a proud 103-year-old, about her friends, and she’ll give you an earful. There’s Johnetta, 101, whom she’s known for 70 years and who

has Alzheimer’s disease. “I call her every day and just say, ‘Hi, how are you doing?’ She never knows, but she says hi back, and I tease her,” Smith said. There’s Katie, 93, whom Smith met during a long teaching career

with Chicago Public Schools. “Every day we have a good conversation. She’s still driving and lives in her own house, and she tells me what’s going on.” Then there’s Rhea, 90, whom Smith visits regularly at a retirement facility. And Mary, 95, who doesn’t leave her house anymore, “so I fix her a basket about once a month of jelly and little things I make and send it over by cab.” And there are Smith’s fellow residents at a Chicago seniors community, whom she recognizes with a card and a treat on their birthdays. “I’m a very friendly person,” Smith said, when asked to describe herself. That may be one reason this lively centenarian has an extraordinary memory for someone her age, suggests a recent study highlighting a notable link between brain health and positive relationships. For nine years, these experts at Northwestern University have been examining “SuperAgers” — men and women older than 80 whose memories are as good as or better than people 20 to 30 years younger. Every couple of years, the group fills out surveys about their lives and gets a battery of neuropsychological tests, brain scans and a neurological examination, among other evaluations. “When we started this project, we weren’t really sure we could find these individuals,” said Emily Rogalski, an associate professor at the Cognitive Neurology and Alzheimer’s Disease Center at Northwestern’s Feinberg School of Medicine. But find them they did: Thirty-one older men and women with exceptional memories, mostly from Illinois and surrounding states, are participating in the project. “Part of the goal is to characterize them — who are they, what are they like,” Rogalski said. Previous research by the Northwestern group provided tantalizing clues, showing that SuperAgers have distinctive brain

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About loneliness Prolonged social isolation has been linked to depression, high blood pressure and dementia, among other conditions. Health risks of social isolation are akin to smoking 15 cigarettes a day, according to the AARP Foundation’s Connect2Affect program. Meanwhile, research shows that learning new things and connecting socially may help to keep the mind sharp. In fact, joining a book club is one of the activities recommended by the Global Council for Brain Health to help strengthen the aging brain. Doing an activity with others makes it more likely that you’ll continue to do it, according to the council. features: thicker cortexes, a resistance to age-related atrophy and a larger left anterior cingulate (a part of the brain important to attention and working memory). But brain structure alone doesn’t fully account for SuperAgers’ unusual mental acuity, Rogalski suggested. “It’s likely there are a number of critical factors that are implicated,” she said. For their new study, the researchers asked 31 SuperAgers and 19 cognitively normal older adults to fill out a 42-item questionnaire about their psychological well-being. The SuperAgers stood out in one area: the degree to which they reported having satisfying, warm, trusting relationships. (In other areas, such as having a purpose in life or retaining autonomy, they were much like their “normal” peers.) “Social relationships are really important” to this group and might play a significant role in preserving their cognition, Rogalski said.

That finding is consistent with other research linking positive relationships to a reduced risk of cognitive decline, mild cognitive impairment and dementia. Still, researchers haven’t examined how SuperAgers sustain these relationships and whether their experiences might include lessons for others. Smith, one of the SuperAgers, has plenty of thoughts about that. At her retirement community, she’s one of nine people who welcome new residents and try to help make them feel at home. “I have a smile for everybody,” she said. “I try to learn someone’s name as soon as they come in, and if I see them, it’s ‘Good morning, how do you do?’ “ “Many old people, all they do is tell you the same story over and over,” she said. “And sometimes all they do is complain and not show any interest in what you have to say. That’s terrible. You have to listen to what people have to say.”

THE GOOD LIFE

SUNDAY, JANUARY 28, 2018 |

What good financial advice looks like Find adviser who puts your needs first

advice. Certified public accountants have a professional code of conduct similar to a fiduciary standard. When advisers don’t have a RIA, CFP or CPA after their names, ask if they’re willing

ood financial advice can help you achieve your life goals. Bad financial advice can cost you a fortune and leave you worse off than if you had tried to go it alone. Unfortunately, you’re still on LIZ your own in tryWESTON ing to determine the good advice from the bad. The U.S. Department of Labor has delayed key portions of a fiduciary rule that would require financial advisers to put their retirement account clients’ interests first. The provisions are set to begin July 1, 2019, but it’s anyone’s guess if that will happen. “The safe thing is for the investor to assume it’s still the same buyer-beware market that’s always existed,” says Barbara Roper, director of investor protection for Consumer Federation of America, a nonprofit advocacy group. Many Americans believe, incorrectly, that their financial advisers already are required to act in their clients’ best interests. In reality, most are held to lower standards. Asking advisers to disclose their conflicts of interest is always a good idea, but here are some other ways to spot advice that truly puts clients first: Good advice doesn’t promise the moon and stars: Beware of advisers who only want to talk about their investing prowess and how they plan to beat the market. Few advisers can consistently deliver market-beating returns, and attempts to do so usually drive up their clients’ costs. A better approach for most people is to invest all or most of their portfolios in low-cost index mutual funds or

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index exchange-traded funds that strive to match various market benchmarks. Good advice doesn’t promote high-commission garbage: That’s what financial journalist Bob Veres, publisher of Inside Information, a service for advisers, calls products that are notorious for high costs and potential to enrich advisers at the expense of their clients. These can include non-traded real estate investment trusts, indexed annuities and variable annuities inside retirement accounts. Proprietary mutual funds also can be problematic. These are the house-brand funds offered by the bank, brokerage or investment company where you have your account. Your adviser may earn extra compensation for pushing them, and they can have higher costs or worse performance than competing funds. Advisers may be able to make an argument why any of these products make sense for you, but it’s worth getting a second opinion from someone who doesn’t make commissions selling them. Good advice doesn’t pretend to be free or cheaper than it is: All investments have costs, and advisers can be paid in a variety of ways that may not be readily apparent to their customers. Financial advisers should be

straightforward in explaining those costs and the ways they’re compensated. Also, investors who pay a percentage of their portfolios for advice should know how that fee is calculated. A fee that’s “only” 0.35 percent each quarter seems dirt cheap, but that adds up to 1.4 percent a year, which isn’t. Veres’ survey of about 1,000 advisers found most charge annual advisory fees of around 1 percent for portfolios worth less than $1 million. Good advice doesn’t deliberately confuse people: Some advisers make a big deal about being fee-based, but that means they also accept commissions or other incentives. Fee-only financial advisers , by contrast, are compensated solely by fees their clients pay. Also, some advisers have been telling their clients that the fiduciary rule required them to start charging fees. That’s not true, Roper says. Good advice comes from adviserwho puts clients first: Only a few categories of advisers are required to be fiduciaries, or someone obligated to put their clients’ interests ahead of their own. Those advisers include registered investment advisers and certified financial planners when they’re offering financial planning

How you

to be fiduciaries and to put that promise in writing. The Committee for the Fiduciary Standard, a volunteer group promoting the standard, has an oath advisers can download and sign.

is.

THE GOOD LIFE

8 | Sunday, January 28, 2018

WINTER OASIS out where the ghosts of Dinah Shore and Bob Hope still stroll, ive minutes from down- five friends and I on a winter town Palm Springs, a getaway filled our water bottles former Hollywood hang- and smeared on sunblock at the

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Look beyond Palm Spring’s glitz

trading post-themed Indian Canyons visitor center. Our timing was perfect. A guided ranger walk was about to begin. We lined up and followed him single-file along the Palm Canyon Trail, from the sun-parched ridgetop into a shady canyon crowded with palms wearing thick crowns of waxy fronds and bare roots that reached toward shallow puddles and inky streams. I’d never seen an untrimmed palm before, and the ranger explained that the thick layers of dead fronds that eventually skirt the trunk form a habitat unto itself. We hiked backward in time through a prehistoric landscape only minutes from what’s become a mecca for martini-sipping hipsters and devotees of midcentury-modern architecture. Water in the desert? A mirage? Not a bit. Palm Springs is home to some of the biggest palm oases in SHUTTERSTOCK PHOTOS‌ North America. These are my don’t-miss recommendations A pond in the Thousand Palms Oasis Preserve in the Coachella Valley Preserve, Palm Springs. for the best.

Oasis of Mara Where: The Oasis of Mara and the 29 Palms Inn are at the north entrance to Joshua Tree National Park, a moonscape-like landscape that’s about an hour from Palm Springs, making it a perfect day trip. Getting around: The oasis is the heart of the 29 Palms Inn, a storied, one-of-a-kind getaway with a restaurant and adobe-style bungalow rentals, which is a perfect place for those with mobility issues because there’s a short, paved ADA-accessible pathway around the oasis. It’s also a perfect place to end a day of hiking in Joshua Tree, where there are miles of hiking trails and scenic drives. And geologically, it doesn’t get much more interesting than this part of California. This is where the Mohave and Lower Colorado deserts meet, and in addition to one of the most famous oases you’ll see armies of sentinel-like Joshua trees amid otherworldly boulder formations. What’s unique: An oasis overnight. 29 Palms offers a wide range of inexpensive lodging options. The inn has its own hobby farm and when seasonally appropriate the restaurant uses that produce in its food. Joshua Tree National Park near Palm Springs.

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Indian Canyons Where: Just a few minutes from downtown Palm Springs, Indian Canyons is the most convenient — and sometimes rugged — place to see the palm. The property, which includes thousands of acres and innumerable wild canyons, is owned and managed by the Agua Caliente Band of Cahuilla Indians, which also owns much of the land that is Palm Springs (that’s another story). Getting around: Though there’s a mind-boggling network of 60 miles of trails, the Canyons site is most notable because it has an unusual number of natural springs that support several California fan

Indian Hills hiking trail near Palm Springs.

Coachella Valley Preserve at Thousand Palms, California

Thousand Palms Where: Ten miles east of Palm Springs, at the base of the Indio Hills, the Coachella Valley Preserve is a seemingly lifeless 18,000-acre wilderness area that’s home to the Thousand Palms Oasis, a lush habitat of palms where you can actually step across the San Andreas Fault via a short footbridge and watch water rise to the surface through various seeps, creeks and ponds. It’s the kind of dune-dotted, windswept landscape where you’d expect Lawrence of Arabia to ride past on a camel. Getting around: This is the place to come if you want to see a completely intact, undeveloped palm oasis, but do it without a strenuous hike. Though there are dozens

of miles of trails in the area, the two-mile (round trip) McCallum Palms Trail starts at the visitor center just a short walk from the parking lot. There are several hikes to oases, including the five- to six-mile (round trip) Pushawalla Palms Trail, which is moderately strenuous but offers a reward at the end: the Pushawalla Palms Oasis. What’s unique: If you’re interested in native flora and fauna, this is the place to come. In addition to the rare pupfish that ply the ponds, the preserve is home to the Coachella Valley fringe-toed lizard, which can’t be found anywhere else in the world.

Sunday, January 28, 2018 | 9

palm groves. That includes the Palm Canyon Oasis, reputed to be one of the biggest in North America, which is accessed via the Palm Canyon Trail. But there’s a hike for everyone, ranging from an easy two-mile round trip that starts at the Andreas Canyon trailhead to a seven-mile round trip with 2,000 feet in elevation gain to the Maynard Mine, where tungsten was processed during World War II. Though

there’s no palm oasis to be seen, it’s also worth checking out the Tahquitz Canyon, which has trails that lead to a desert mirage of its own: a stunning 60-foot waterfall. What’s unique: A ranger walk or interpretive talk here is the best way to learn the basics about palm oases and why they thrive in this area. The visitor center is a don’tmiss stop to explore the culture of the area.

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THE GOOD LIFE

10 | Sunday, January 28, 2018

Rock on with fan photos in Smithsonian book

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THE WASHINGTON POST

ohn Compton was 18 when he borrowed his mother’s car and headed to the Washington Coliseum for an afternoon concert by the Rolling Stones one November day in 1965. The ticket

cost $3, he recalls, and Patti LaBelle and the Blue Belles opened. Compton also loved photography, so he brought along his childhood Brownie box camera on the off chance he’d get some lucky shots of the Stones. That chance came toward the end of

Brian Power was among the first financial advisors in America to earn the designation of Retirement Income Certified Professional® from The American College of Financial Services® in April 2013. Brian and Angie are both CERTIFIED FINANCIAL PLANNERTM professionals with nearly 40 years of combined experience helping people reach their retirement goals. Brian and Angie at Power and Associates are among the Cedar Valley’s most knowledgeable retirement advisors. Whether you’ve created your own financial plan or are currently working with another advisor, we’d like to offer you a second opinion.

BRIAN POWER, CFP® CRPC® RICP® Private Wealth Advisor

ANGELA THOREN, CFP®, CRPC® Financial Advisor

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Ameriprise Financial cannot guarantee future financial results. Power and Associates

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the 35-minute set. The band was playing Otis Redding’s “That’s How Strong My Love Is.” Mick Jagger, going into James Brown/Otis Redding mode, “dropped to his knees holding the microphone, in front of Brian Jones on keyboard,” says Compton. Just as he snapped his shutter, a flash burst directly across the stage from Compton, creating a starkly backlit tableau. Grainy and raw, the picture was clearly the work of a fan, not a pro. Though Compton went on to become a music writer, documentary maker and music photographer, this is the photo he framed and hung on his wall for decades. “I always kept that photograph back,” he says from his home in Baltimore, “and I just thought there would always be some place where it would be the right time to share it.” Finally it has taken its rightful place among hundreds of other fans’ rock ‘n’ roll photos in a handsome new photography book by the Smithsonian Press. “Smithsonian Rock and Roll: Live and Unseen” started with the Smithsonian putting out a call on its website in December 2015 for fans to send in their concert pictures. After a year, the institution had gathered 4,000 submissions, all of them no doubt with storied memories behind them. Then came the task of deciding on which musicians would make the cut, as well as which photos. The task fell to Bill Bentley, a respected music industry veteran in Southern California who wrote the tome. Bentley, a former publicist, talent scout and label executive, decided right off he had to limit choices to the most influential acts; he could write an encyclopedia and never please everyone. The selections he settled on range from legends of the 1950s — Chuck Berry, Elvis Presley — to today’s stars such as Adele and Jack White.

LAURIE DEWITT / PURE LIGHT IMAGES‌

John Compton is pictured in his Baltimore home with the photo that he took of the Rolling Stones playing Otis Redding’s ‘That’s How Strong My Love Is.’ “I took a very liberal definition of what rock ‘n’ roll is. Is Otis Redding rock ‘n’ roll? Probably not. But rock ‘n’ roll people loved him, and he really influenced rock ‘n’ roll. You have to be open when you think about music.” In the end, some 140 bands or performers made the cut. “Obviously, not the best pictures ever taken, but the most emotional pictures.” And the pictures that had not been seen time and again. It turned out that three-quarters of those used were taken by fans, by Bentley’s estimate. Professionals had to be relied upon to fill in gaps. “So you kind of get the whole breadth of rock ‘n’ roll without being too critic-y and too perfect,” he says, “Rock ‘n’ roll is really messy, and any history of rock ‘n’ roll is going to exclude more people than you include.” An essential part of the rock concert experience is seeing it.

“I always had this feeling that we listen with our eyes and our ears,” Bentley says. “Especially at shows. Because what you’re seeing is why you’re there, in a lot of ways. I mean, you want to hear it, too — but you could do that with a record — but you want to see it.” The Stones were, of course, going to be included in the photo history, yet it was only by happenstance that Compton’s snapshot made it into the mix. He had known Bentley for 25 years but only found out very late in the process about the Smithsonian book. Bentley saw Compton’s photo and had the layout rearranged to accommodate it. The experience of the rock show hasn’t essentially changed since Compton saw the Stones more than 50 years ago, but one thing has: camera phones are ubiquitous. Bentley says he can envision another book, strictly with iPhone pictures.

THE GOOD LIFE

Sunday, January 28, 2018 | 11

Ask doctors about the nagging problems of aging

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KAISER HEALTH NEWS

eing old and sick in America frequently means that a doctor won’t ask you about troublesome concerns you deal with day to day: difficulty walking, dizziness, a leaky bladder, sleep disturbances, memory lapses and more. It means that if you’re hospitalized, you have a good chance of being treated by a physician you’ve never met and undergoing questionable tests and treatments that might end up compromising your health. It means that if you subsequently seek rehabilitation at a skilled nursing facility, you’ll encounter another medical team that doesn’t know you or understand your at-home circumstances. Typically, a doctor won’t see you very often. In her new book, “Old & Sick in America: The Journey Through the Health Care System,” Muriel Gillick, a professor of population medicine at Harvard Medical School and director of the Program in Aging at Harvard Pilgrim Health Care Institute, delves deeply into these concerns and why they’re widespread. In an interview, Gillick offered thoughts about how older adults and their caregivers can navigate this treacherous terrain. Her remarks have been edited for clarity and length: Q: What perils do older adults encounter as they travel through the health-care system? A: The journey usually begins in the doctor’s office, so let’s start there. In general, physicians tend to focus on different organ systems. The heart. The lungs. The kidneys. They don’t focus so much on conditions that cross various organ systems, so-called geriatric syndromes. Things like falling, becoming confused or dealing with incontinence. Q: What can people do about that?

A: Older people are often unwilling to bring these issues to the attention of their doctors. But if a family member is accompanying the patient, they should speak up. Another approach is to request a geriatric assessment or consultation that will bring issues to the forefront. Q: The next step you talk about in your book is the hospital. A: One of the big perils in the hospital is technology, which is also its great virtue. Technology can improve quality of life and be life-extending. But sometimes it creates endless complications. An example are imaging tests such as CT scans. Physicians hardly think of this as an invasive test. But often one has to administer a dye to see what’s going on. That dye can cause kidney failure in someone with impaired kidney function — something that’s common in older adults. Sometimes there’s no real need for scans. An example would be an older person who becomes acutely confused in the hospital, which happens a lot. The appropriate response is to look at what’s causing the confusion and take away the offending agent. Often that’s a medication that was started in the hospital. Or it’s an infection. But the routine, knee-jerk reaction is to do a CT scan to rule out the possibility of a stroke or bleeding in the brain. Q: What do you advise older patients and their families to do? A: When a test is proposed, ask the doctor, “How important is it to pursue this diagnosis?” and “How will the results change what you do?” Q: In your book, you talk about how a doctor-patient relationship can be sidelined when someone goes to the hospital. Instead, hospitalists provide care. How should people respond? A: It’s really important to give that doctor a sense of the patient and who they are. Say your 88-year-old mother is in the

hospital and she’s become profoundly confused. The doctor doesn’t know what she was like a week or a month ago. He may assume she has dementia unless he hears otherwise. He won’t understand it might be delirium. You or a caregiver want to come across as someone who can make it easier for the doctor to do his or her job — vs. someone who’s a nuisance. You want to build trust, not annoyance. Q: What about skilled nursing facilities? A: These are settings that people go to after the hospital, to get rehabilitation. Typically, the contact with doctors is minimal after an initial evaluation, though there’s a spectrum as to how much medical care there is. Many older patients come to skilled nursing facilities, or SNFs, after having had one complication after another in the hospital. These patients can be very fragile, with many medical problems. They’re at risk of getting some new problem in the SNF — perhaps an infection — or an exacerbation of one of the problems they already have that hasn’t resolved. SNFs are required within the first week or so to have a care planning meeting with the team. They’re supposed to invite patients and their representatives to the meeting. This is a good place to say something along the lines of “My mother has been through a lot, and now that we’ve met you and seen what you can do, we’d like you to do your best to treat her here and not send her back to the hospital.” You have to have trust to make that happen. The family has to trust the medical team. And the team has to trust that the family isn’t going to get upset and sue them. A meeting of this kind has the potential to allow everyone to figure out what’s important and what the plan will be going forward.

SHUTTERSTOCK PHOTO‌

You’re not just a patient. you’re a grandparent.

CARING FOR YOUR FAMILY ME ANS YOU CAN ENjOY YOUR GR ANdChILdREN. If you’re a grandparent, you want to be able to enjoy your grandchildren to the fullest! At Covenant Clinic, we’re here to take care of you. It’s important to get regular checkups to screen for potential health risks and stay on track so you can enjoy these years.

mAke An AppoIntment todAy! 319.272.5000 | WheatonIowa.org/clinics Covenant Clinic | Covenant Medical Center | Mercy Hospital | Sartori Memorial Hospital

THE GOOD LIFE

12 | Sunday, January 28, 2018

Women should learn more about SS benefits

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osie the Riveter” is an American icon representing women working in factories during World War II. These women learned new jobs and filled in for the men who were away at war. They produced

much of the armaments and ammunition to supply the war effort. More Rosies work today, and nearly 60 percent of people receiving benefits are women. Women tend to live longer than men, so Social Security’s infla-

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tion-adjusted benefits help protect women. You can outlive your savings and investments, but Social Security is for life. Women provide their own basic level of protection when they work and pay taxes into the Social Security system. Women who have been married and had low earnings or who didn’t work may be covered through their spouses’ work. Today’s Rosie will turn her

“can-do” spirit to learning more about Social Security and what role it will play in her financial plan for the future. She focuses on our pamphlet called What Every Woman Should Know available at www.socialsecurity. gov/pubs/10127.html for a game plan. She dives into understanding benefits at our planner pages at www.socialsecurity.gov/plan-

ners. She examines how marriage, divorce, death of a spouse, work, and other issues might affect her benefits. She studies our fact sheet When to Start Receiving Retirement Benefits at www. socialsecurity.gov/pubs/ to help her decide when it’s time to lay down the rivet gun. And when the time is right, she will file for retirement benefits online at www.socialsecurity.gov/retire.

Create my Social Security account to access information JERRY NELSON

Waterloo Office Manager Social Security Administration ‌

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t’s a new year, and there’s no better time to tell you about the new features we have in my Social Security. They not only save you time, but also put you in control of your retirement future. There are a growing number of states where you can request a replacement Social Security card online. Our new online version of the Application for a Replacement Social Security Card can make getting a replacement easy and stress free. It allows people to apply for a replacement card through my Social Security without traveling to a field office or card center, as long as you’re not requesting a name change or any other change to your card. We are working to add this capability to every state. Your personal my Social Security account is secure and gives you ready access to your earnings records, Social Security benefit estimates and printable statements. Those who already

receive benefits can view their payment history, current status and manage their benefits. Social Security has also made replacing your annual Benefit Statement even easier. The Benefit Statement (known as the SSA-1099 or the SSA1042S) shows the amount of benefits you received the previous year and is needed for filing taxes. Now you have the ability to download it using our online services. There’s no need to visit

a field office. A replacement SSA1099 or SSA-1042S is available after February 1 for the previous tax year. If you don’t have a my Social Security account, creating a secure account is very easy to do and usually takes less than 15 minutes. Putting you in control of your future is a key part of securing today and tomorrow. With my Social Security, we give you the power to steer your future in the direction you deserve.

THE GOOD LIFE

Sunday, January 28, 2018 | 13

Four questions to ask about retirement

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eciding when to start receiving your retirement benefits from Social Security is a decision that only you can make, and you should make that decision with as much information as possible. There are a lot of important questions to answer. Should you claim benefits earlier and get a smaller monthly payment for more years? Or should you wait and get a bigger monthly amount over a shorter period? There are no right or wrong answers, but we encourage you to consider these four important questions as you plan for your financially secure retirement: How much money will I need to live comfortably in retirement? Anticipate what your expenses will be in retirement, including

things like mortgage payments or rent, utilities, healthcare insurance and related costs, food, personal care, car payments and maintenance, entertainment, hobbies, travel, and credit card or other debt. Also, consider whether you’ll need to provide for your spouse, children, or grandchildren. What will my monthly Social Security retirement benefit be? The average monthly Social Security benefit for a retired worker in 2018 is $1,404 (up from $1,377 in 2017). The average monthly Social Security benefit for a disabled worker in 2018 is $1,197 (up from $1,173 in 2017). As a reminder, eligibility for retirement benefits still requires 40 credits (usually about 10 years of work). The Social Security Act details how the annual Cost of Living Adjust-

ment (COLA) is calculated. You can read more about the COLA at www.socialsecurity.gov/cola. The best way to get an estimate of your retirement benefit is with a my Social Security account. Get yours today at www. socialsecurity.gov/myaccount. Will I have other income to supplement my Social Security benefits? Secure your financial future with a retirement portfolio that includes savings, investments, and possibly a pension plan. If you’re willing and able, you may choose to increase your income by working past retirement age. Social Security replaces a percentage of a worker’s pre-retirement income based on your lifetime earnings. The amount of your average wages that Social Security retirement benefits replaces varies depending on your earnings and when you

choose to start benefits. If you start benefits at age 67, this percentage ranges from as much as 75 percent for very low earners, to about 40 percent for medium earners, to about 27 percent for high earners. If you start benefits after age 67, these percentages would be higher. If you start benefits earlier, these percentages would be lower. Most financial advisors say you will need about 70 percent of pre-retirement income to live comfortably in retirement, including your Social Security benefits, investments, and other savings. How long do I expect my retirement to last? Anticipate the length of your retirement, keeping in mind that many American workers will live much longer than the “average” retiree. Consider your health, family longevity, and lifestyle. Your Social Security retirement

benefits will provide continuous income for as long as you live, protecting you even if your other sources of income run out. Discover your life expectancy with our online calculator at www. socialsecurity.gov/OACT/population/longevity. No one can predict the future perfectly, but careful planning and preparation will help you to make a well-informed decision about when to start receiving your Social Security benefits. If you’ve contributed enough to the Social Security system through FICA payroll taxes, you can receive your full retirement benefit at age 66 or 67 depending on when you were born. You may also claim it sooner, starting at age 62, at a permanently reduced rate. Or you may wait until after your full retirement age, increasing your benefit amount by up to 8 percent per full year to age 70.

THE GOOD LIFE

14 | Sunday, January 28, 2018

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Ex-spouse benefits may be available

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ust like during tax season, it’s good to have all the information you need early so you can prepare and get any money you are due. If you are age 62, unmarried, and divorced from someone entitled to Social Security retirement or disability benefits, you may be eligible to receive benefits based on his or her record. To be eligible, you must have been married to your ex-spouse for 10 years or more. If you have since remarried, you can’t collect benefits on your former spouse’s record unless your later marriage ended by annulment, divorce, or death. Also, if you’re entitled to benefits on your own record, your benefit amount must be less than you would receive based on your ex-spouse’s work. In other words, we’ll pay the higher of the two benefits for which you’re eligible, but not both. You can apply for benefits on your former spouse’s record even if he or she hasn’t retired, as long as you divorced at least two years before applying. If, however, you decide to wait un-

til full retirement age to apply as a divorced spouse, your benefit will be equal to half of your exspouse’s full retirement amount or disability benefit. The same rules apply for a deceased former spouse. The amount of benefits you get has no effect on the benefits of your ex-spouse and his or her current spouse. Visit Retirement Planner: If You Are Divorced at www.socialsecurity. gov/planners/retire/divspouse. html to find all the eligibility requirements you must meet to apply as a divorced spouse. Our benefits planner gives you an idea of your monthly benefit amount. If your exspouse died after you divorced, you may still quality for widow’s benefits. You’ll find information about that in a note at the bottom of the website. Visit www.socialsecurity.gov/ planners/retire/divspouse.html today to learn whether you’re eligible for benefits on your ex-spouse’s record. That could mean a considerable amount of monthly income. What you learn may bring a smile to your face … even on tax day!

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16 | Sunday, January 28, 2018

THE GOOD LIFE

The good life at Western Home Communities gets even better this year... Opened in July 2017: Prairie Wind Independent Living

A unique lifestyle, attached to the amenities at Jorgensen Plaza that will offer daily choices for well-being in all areas: physical, social, intellectual, emotional and spiritual.

Call Maria for a tour (319-859-9311) before the final apartment homes are gone!

Coming in early spring Jorgensen Plaza for Well-Being

• Table 1912 fine dining, open to the public • Caraway Cafe fast casual, open to the public • Gilmore’s Pub, open to the public • Diamond Event Center with seating for nearly 400 • Swimming pool • Walking/jogging track • Specially designed exercise equipment and classes • Salon Iris, an Aveda

Coming in early spring Restorative Suites

With the best in-house therapy team, the most innovative and effective therapy technologies, the best caregivers and now the best environment – there’s no better place to regain strength. Every room is spacious and private (no shared rooms), with a private attached bathroom including European-style walkin shower. The surroundings feel like home, with an open floor plan, homecooked meals and outdoor access.

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www.WesternHomeCommunities.org 5307 Caraway Lane, Cedar Falls