FARRAGUTPRESS THURSDAY, NOVEMBER 13, 2014 • 1C
Still going strong At 73, Galbraith emphasizes faith, fitness, staying busy
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ALAN SLOAN asloan@farragutpress.com
Frank Galbraith is really well rounded, from traveling around the world to share his Christian faith to roundly defeating badminton opponents and winning at the highest level. None of that has changed at age 73 for this former Farragut Middle School social studies teacher of 36 years (40 total years teaching), who also rounds into form as an entertainer — a singer/keyboard player who partners up and regularly draws big crowds — a history lecturer and avid exercise buff. On top of it all, “I really believe in stopping and smelling the roses,” Galbraith, a Farragut resident and 1959 FHS graduate, said while “sitting here and looking at these beautiful trees out here on the deck, and the colors. “Take time to appreciate the little things.” Knee replacement surgery, on his right knee, in 2012 didn’t stop Galbraith from bouncing back in top badminton form. Alongside his equally talented, and younger, playing partner Rod Sutch, the pair went to Cleveland in 2013 and captured the Senior Olympic Games gold medal, best nationally among all badminton males doubles teams ages 60-64
(Galbraith is required to play in Sutch’s younger age range). “We were able to roll right through there,” Galbraith said, adding about his new right knee, “I didn’t even use a brace. It didn’t bother me one bit.” So why should things change in 2015, despite Galbraith having knee replacement surgery on his left knee in July, when the badminton pair will defend their national title in Minneapolis next July? While continuing to work out to stay in shape, “I will begin playing again, hopefully, in January,” said Galbraith, who also has won state badminton singles titles and several doubles state titles with Sutch. “I’m right on schedule here.” A former track athlete at FHS, Union College (Kentucky) and East Tennessee State University, Galbraith also was a Senior Games track and field state champion in his early 50s. Giving advice to other seniors facing knee replacement surgery, “I had a goal. I think if we have a goal, something we point toward, then that allows me to be very consistent in my workouts to make sure I do all the workouts,” Galbraith said. “… I have the short-term goal, which would be playing badminton once or twice a
week. “Be consistent in your workouts, continue it,” he added. “… When you get my age, working out is like therapy for me. I mean, I just love it. I do it three times a week. “I’ve been doing this for over 50 years.” Galbraith also advocated building “camaraderie” among those who are working out around you. “When you go to the gym you kind of develop a workout family,” he said. Pushing yourself to go and workout “on days you’re not feeling good,” what Galbraith calls his “maintenance days,” usually pays off immediately “because you just feel better afterwards.” While emphasizing he’s neither a fitness nor a nutrition expert, Galbraith said about diet tips, “I try to eat smaller meals and eat more frequently.” Beyond and above fitness and athletics, Galbraith said his first duty is his Christian faith. Spreading that faith has sent Galbraith worldwide for more than 20 years — from Russia, Latvia and Romania to Mexico, Ecuador and Costa Rica — often alongside friend, Fred Mynatt Jr. In late October and early November, he and Mynatt made their annual visit to Costa Rica —
Photo submitted
Frank Galbraith, right, and Senior Games badminton partner Rod Sutch take a break prior to a 2009 competition.
Galbraith’s 12th visit there — “To do a program called the ‘Young Earth Seminar,’” he said about
this pro-Creation, anti-evolution See GALBRAITH on Page 6C
Weigh pros and cons when choosing Medicare plans
Entertainment value
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Corby’s 4,000 plus collection still growing
LINDA TIRBAN Correspondant
Medicare, a federal health care program, has been providing health insurance almost 50 years to people age 65 and older, regardless of income or medical history. Over time changes have been made and benefits expanded to include younger people who have permanent disabilities and receive Social Security Disability Insurance payments; including those with amyotrophic lateral sclerosis and those who have end-stage renal disease. For those who qualify, a Medicare program allowing coverage for almost all prescribed medications is available along with hospital benefits and hospice. If you’re turning 65 you’ll need
to know about Medicare and in some cases Medicaid. It’s overwhelming, mind-boggling and just plain confusing. And, if you are already a participant in the program there are a few changes for 2015 you will probably want to know about. Usually changes in the programs occur at the beginning of the new year. Eligible participants receive an annual publication, Medicare and You, which explains Medicare, its plans and changes that may be taking place. It’s usually distributed in October by the Department of Health and Human Services and Centers for Medicare & Medicaid Services. It’s also available at Medicare.gov/publications where the version preferred can See MEDICARE on Page 4C
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ALAN SLOAN asloan@farragutpress.com
Unable to get “American television” in Waterloo, Belgium, just outside of Brussels in 1975, Bob Corby and his family desperately sought an entertainment solution. “We got fantastic TV, we got it with no commercials, and we got it in Dutch, German and French — no English,” said Corby, then vice president of finance with Continental Can Company stationed in Belgium for what would become seven years (1975-1982) with his wife, Nancy, and their three children ages 4 to 12, Robert, Heath and Janel. With that language barrier, Corby, now 72, said his entertain-
Alan Sloan
Bob Corby surrounds himself with a vast collection of movies and television series, spanning several decades, in his Parkview Senior Living Community apartment.
ment solution came thanks to a “business trip” back to the United States in 1975. Almost 40 years later, Corby’s collection of television series and movies has grown to “between 4,000 and 5,000,” in his apartment
at Parkview Senior Living Community in Farragut. “One of the guys I worked closely with back in Stanford, Conn. … said, ‘What about a videotape … a See CORBY on Page 6C
2C • FARRAGUTPRESS THURSDAY, NOVEMBER 13, 2014
BOOMERS & BEYOND
Do what you really want for a living Math-minded financial advisor lays blueprint for rethinking your earning and distribution years What does it take to be comfortable during retirement? Conventional wisdom calls it the 4 percent rule – withdrawing about that amount from your nest egg each year to live comfortably. And, for that, millions of Americans believe they need to stick to a job they don’t like during their earning years. “Unfortunately, the kind of money retirees want to spend each year for a comfortable lifestyle tends to be about $60,000, which means someone’s nest egg would have to be $1.5 million for that rate of withdrawal to sustain for 25 years,” says financial advisor Dave Lopez, a mathematics and computer science major who applies his analytical mind to solving retirement challenges. “Of course, there are additional sources of income during retirement, such as social security, but the program may not survive the coming decades. And, there are additional costs of retirement, including legacy interests and the likelihood of needing long-term medical care.” The fact is that millions of retirees simply do not have or will not have the kind of income they’d like to have during retirement. Lopez discusses an alternative approach to the golden, or distribution years. • Remember, Social Security is a welfare program. Before President Roosevelt signed the Social Security Act in 1935, seniors worked. America was an agrarian culture, and many who were in their 60s and 70s usually continued duties on the family farm, albeit handling lighter tasks. Social Security is essentially a Socialist idea. A response to the Great Depression, its purpose was to move out older workers in favor of employing younger Americans, but times have changed. • You don’t have to remain stuck in your “earning” job. “The U.S. government is the biggest
employer in the world, and I work with many of its employees,” he says. “They usually have high-stress jobs and usually want to retire as early as possible and, while leaning on their pension, start working on their own terms as government contractors.” • Consider retiring early and working the job you’ve always wanted. The model frequently followed by retired government workers can be replicated by millions of other retirees. You don’t need a $1.5 million nest egg when you combine Social Security with a smaller withdrawal amount and a fun job earning $20,000 a year. Retirees can be creative in how they earn this “fun money.” “Let’s say your passion is water skiing – why not parlay this hobby into a career?” Lopez says. “You’ll likely have decades of experience and plenty of contacts. You might work for a ski shop or create a small business giving lessons. Doing something you love is a great way to stay active as an older person.” • No pension? – Create your own. The days of working 30 years for a single company and collecting a sizeable pension are mostly over. This means retirees need to get creative and rely on other sources of income, including IRAs and strategies for annuities – effectively creating their own “pension.” Annuities are contracts with insurance companies. The contracts, which can be funded with either a lump sum or through regular payments, are designed as financial vehicles for retirement purposes. The money used to fund the contract grows tax-deferred. Unlike other tax advantaged retirement programs, there are no contribution limits on annuities. “Annuities provide plenty of opportunity,” he says. “Of course, creative options also yield the risk of complexity. You’ll want to be sure to know what you’re doing, or at least consult with an accredited professional.”
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• Consider lifestyle changes. Through the distribution years, you should consider moving to a place where the cost of living is cheaper than major metropolitan areas. Simply put, you’ll want your money to go further. Take a play from younger folks who are cutting
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their cable in favor of only Wi-Fi access. Learn how to cook delicious meals on a budget. For many, learning how to make one’s money work better for them, rather than working for their money, is a preferable lifestyle.
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East Tennessee Discount Drugs
Hometown pharmacy offers personalized attention East Tennessee Discount Drugs has been Lenoir City’s hometown family pharmacy since 1981. Not only do they have a full service pharmacy, but also within the store, customers can shop for gifts at Gifts Unique and Befitting You Mastectomy Boutique. All of the departments provide personalized attention and customer service. The Fresh Pharmacy offers an integrative approach to medicine and optimum health through custom compounding, traditional prescriptions, complementary and natural remedies, personalized formulations for topical pain relief and custom flavors for prescriptions and natural remedies. Gifts Unique offers a tremendous selection of hand-picked one of kind gifts and keepsakes.
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BOOMERS & BEYOND
FARRAGUTPRESS THURSDAY, NOVEMBER 13, 2014 • 3C
Farragut Hearing Aids & Audiology Have you had your hearing tested? Hearing loss is one of the most common health problem in America today, and it is simple to manage and treat when it is identified early. A hearing test is: Fast: A full hearing test takes 10-20 minutes Easy: A hearing test is comfortable and pain-free Accurate: You will know your results immediately Meaningful: Hearing is connection. Hearing loss can make conversations difficult. Our audiologists and physicians work together to create a treatment plan that is tailored to each individual
Call 865-777-1727 and schedule a hearing test today.
Schedule your test during the month of November and you will receive a FREE pair of earplugs for hearing protection. We accept most major insurances, including Medicare Farragut Hearing Aids & Audiology Knoxville’s only medical facility providing Lyric - the world’s first and only extended wear hearing aid, designed to be worn 24 hours a day for months at a time. Knoxville’s only medical facility belonging to the Elite Hearing Network – a national association of hearing aid providers with access to ALL the major hearing aid manufacturers.
144 Concord Road Knoxville, TN 37934 Phone: (865) 777-1727 Fax: (865) 966-0942
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4C • FARRAGUTPRESS THURSDAY, NOVEMBER 13, 2014
Medicare From page 1C
be downloaded. It gives the reader important contact information for questions often asked that may need clarification such as the costs for different parts of the program. Medicare offers plans that serve varied needs. Part A is hospital insurance that helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care. Generally monthly premiums aren’t paid for Part A coverage if you or your spouse paid Medicare taxes while working. This is sometimes referred to as premium-free Part A. However, it may be possible to buy Part A and pay a premium. Part B helps cover physician services and other health care providers, outpatient care, home health care, some preventative services and durable medical equipment. Usually most people pay the standard monthly premium for Part B. Some people also get Medical Supplement Insurance from an independent company, referred to as a Medigap policy, which fills the gaps in original Medicare coverage. Part C, Medicare Advantage, includes all benefits and services covered under Parts A and B and generally Part D, which is Medicare prescription drug coverage. The plan is operated by private insurance companies approved by Medicare. It could include extra benefits and services for an added cost. Part D which helps fund the cost of prescription drugs may assist in lowering prescription costs and help protect against increases in the future. Part D also is operated by independent insurance companies that are Medicare approved. Medicaid is a joint federal and state program that can assist some people who have limited income and resources with their medical expenses. It could cover services not ordinarily covered by Medicare such as personal care services or long term aid. Amelia Cortwell, Certified Elder Law Attorney with Elder Law of East Tennessee in Knoxville, said some individuals are eligible for both Medicare and Medicaid and are called “dual eligibles.” They have Medicare and full Medicaid coverage and most of their health care costs are likely covered. In Knox County the Tennessee Health Connection can be con-
BOOMERS & BEYOND
tacted at 865-247-7045 for information regarding qualifications or application procedures, or visit the website: healthconnectamerica.com. According to Cortwell, hospital admissions will be the hot topic in 2015. “It’s very important for people to know that hospital admissions are going to be harder to get,” she said. As an example, if your grandmother were to fall, break her arm and go to the emergency room she would be under observation status. It is important to press for admission because if she isn’t formally admitted into the hospital under the threeday hospital stay rule, which triggers Medicare benefits, grandma loses inpatient skilled-care benefits in rehab. “Advantage Plan is terrific for healthy seniors but not for those who see doctors a lot or need skilled long term care in a rehab facility,” Cortwell said. In some cases insurers don’t allow as much coverage as participants would like. Seniors on the Advantage Plan can convert to Traditional Medicare coverage but may not be able to get an affordable supplemental insurance plan due to cost or a pre-existing condition. Traditional covers 80 percent while supplements cover 20 percent and some co-pays. Participants can change plans during the year when moving, hospitalized and at open enrollment Yvonne Marsh, CPA, Marsh Professional Group, a financial advisory firm in Knoxville, said 2015 Medicare Part B premium and deductible costs are unchanged, but other costs have increased slightly. Individuals can visit Medicare.gov to find out what the changes are. Marsh advises seniors to look at their budget and their overall health to consider the pros and cons of all the plans and which would work best for them before making a selection. “As a CPA I wish I could say this plan [or that plan] is the best, but there are so many variables,” Marsh said. “Seniors need to look at the big picture. Do they do Medicare Sup-plement and Part D prescription or Medicare Advantage that rolls all that together? My advice is to look at the whole picture of the total cost, not just the monthly premiums.” Marsh said although Advantage Plan premiums are very attractive and low in cost there are co-pay and other out-of-pocket requirements. The total cost should be con-
sidered when comparing options. “People see the Advantage Plan low rates but may not realize they still have to pay the monthly Part B premium.” Other Medicare supplement plans are available through private insurance companies. “Plan F, the Cadillac Plan, is the most comprehensive plan. It has a higher premium, but it covers everything that a Medicare supplement plan will cover. Other popular options in the Knoxville market are Plans G and N. We help clients weigh their options.” Marsh added. For more information, visit Medicare.gov,
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or call 1-800-633-4227. TTY users should call 1-877-486-2048. For payment assistance on health care and prescription drug costs if you have a limited income and resources, visit socialsecurity.gov or call Social Security at 1-800-772-1213, or visit tennessee.gov/humanserv for adult services information. Other sources for Medicare information are The Center for Medicare Advocacy at www.medicareadvocacy.org and The Keiser Family Foundation at kff.org/medicare and kff.org/medicaid.
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Farragut ENT & Allergy
Dr. Leonard W. Brown, F.A.C.S.
Karen Rutherford, M.S., CCC-A
Dr. Mark T. Gurley
Lee Cottrell, AuD. CCC-A
Dr. Clyde C. Mathison
Dr. William H. Merwin, F.A.C.S.
Sarah Post, AuD. CCC-A
Lonny D. Huston, FNP
Farragut Hearing Aids & Audiology is a full service hearing practice based in Farragut, TN with office locations in Dowell Springs, Newport, Sevierville, and Sweetwater. Farragut Hearing Aids & Audiology is Knoxville’s only medical facility providing Lyric, the world’s first and only extended wear hearing aid, which can be worn 24 hours a day for months at a time. In partnership with Farragut ENT & Allergy, it is the only physician-directed hearing center located in Farragut. With access to all major hearing aid manufacturers through the Elite Hearing Network, Farragut Hearing Aids & Audiology can find the
Remember, Dentistry is not expensive... Neglect is!
solution that is right for each individual. The staff at Farragut Hearing Aids & Audiology consist of both Audiologists and Medical Doctors to define the appropriate care plan just for you. Hearing loss is among the most common health problems in America today, particularly among seniors. With proper hearing healthcare, hearing loss does not have to affect your quality of life. Hearing technology has advanced by leaps and bounds in recent years, and some of the benefits of hearing healthcare can include: better hearing, lower stress, improved productivity, and enhanced communication and relationships.
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FARRAGUTPRESS THURSDAY, NOVEMBER 13, 2014 • 5C
GETTING YOU HOME
West Hills Rehab encompasses 50 private well appointed suites with private bathrooms, interactive nursing intercoms, 42 inch flat screen TVs in each suite, WIFI and private telephones. Our residents have the choice to eat in their private rooms or in our renovated dining room with restaurant style service that caters to all dietary needs. West Hills Rehab specializes in Orthopedic, Cardiac and Stroke Rehab. We also provide Physical, Occupational and Speech Therapy. State of the art equipment includes a Sci-Fit, Quadricisor, E-Stim, Ultrasound & Vital Stim. Our highly trained therapists design and implement a plan of care to enable each resident to achieve their maximum goals. Therapy is available 7 days a week. We have the only FDA approved balance gaming system. This system, Jintronix, uses motion capture technology with residents as they play interactive games that are displayed on a 55 inch flat screen TV. Jintronix designs programs for each resident, leveraging the addictiveness of video games to help residents complete their exercise protocol in the most fun and simple way possible. Our Right Track system allows families and physicians to monitor residents’ goals and progress through email. Weekly updates are emailed detailing each goal and the residents’ individualized achievements.
Our Medical Director, Cynthia Pearman, works full time Monday-Friday at West Hills Health and Rehab. She is likely the only physician in any Skilled Rehab that attends initial Care Plans and is available for one on one interaction. Dr. Hecht, a Board Certified Physical Medicine and Rehabilitation Physician, is on site 2 days per week. This added dimension enables us to provide the optimum personalized rehabilitation experience. Having a high level of physician oversight allows us to care for our residents in-house without unnecessary hospitalizations.
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865-588-7661
6C • FARRAGUTPRESS THURSDAY, NOVEMBER 13, 2014
Galbraith From page 1C
message. “… We just show what these scientists believe about that. We do it in churches and schools and groups. … This program is a faith-builder for people who are Christians. They see that the Bible is correct. “The first day we were down there we did seven programs that day,” Galbraith added. Tapping into his teaching experience while loving U.S. history, Galbraith makes regular appearances in the Farragut area throughout the late fall with his “Dec. 7, 1941 - A Day of Infamy” lectures. While also using slides, Galbraith reflects visually and verbally on the Japanese military attack at Pearl Harbor, Dec. 7, 1941, that sparked the United States entry into World War II. His program goes back to “The Roaring 20s” and gives a timeline of key worldwide events leading up to Pearl Harbor.
BOOMERS & BEYOND
“I really believe we must never let what our Americans did fade away. We don’t ever want to forget this,” Galbraith said. “I think it helps you as an American to have a sense of history and I want to tell people about it.” His annual “Day of Infamy” appearance in Town Hall boardroom begins at 7 p.m., Monday, Dec. 1. There is no charge to attend. On a lighter, entertainment note, “I’m also a musician,” Galbraith said about “Frank and Jerry,” singing and playing the keyboard alongside singing partner Jerry Thomas in the Farragut area. “In the last two years, we’ve done 172 one-hour programs, an Oldies thing. We do music from the 20s, 30s, 40s, 50s and 60s. We do it at all these retirement places. “We had no idea the people like it this much,” he added. “This music brings joy, not only to everybody else, but to me also.” Galbraith and wife, Cheryl, have four children, four grandchildren and three greatgrandchildren. Photo submitted
Corby From page 1C
VHS system?’” Corby recalled. Versus what was then Sony Betamax, “’VHS quality isn’t as good as Sony, but they have lots of movies and they are [less] than half the price. And you can buy blanks and record what you want.’” After seeing a VHS unit in a store “for $212” including “I believe a dozen blank videos,” Corby collection would soon begin. Though thinking the blanks would do him no good in Belgium, Corby said his business friend was willing to help. “’Give them to me … anything my kids are watching I’ll record and give you the tape’” when returning to the United States on Corby’s next business trip. Also buying “five or six pre-programmed movies,” Corby headed back to Belgium. “I guess it took about six months, we ended up with a small video club. … Eventually there were six families that all got to know each other,” Corby said. “And we all had different tapes so we traded them. “We’d been at it probably two years. I was flying back [to Connecticut] I’d say twice a quarter[year]. “Every time I went round trip I came back with other movies.” After one year into the family’s collection, “We had about 50,” Corby said. By the time his family left Belgium in 1982, “We had about 3,000.”
American television would soon become a reality for Corby in Belgium after visiting a U.S. Army base where his son was playing high school football. On the base, Corby said he noticed most houses had TV antennas. “’If it’s an American base you can bet they’re getting American television,” he said. In 1976, Corby said he found out the base has its own “television system” that rebroadcasts a “24-hour tape of shows on two channels” in the United States from the previous day “that are flown over every night.” Erecting the necessary antenna, Corby and his family soon enjoyed U.S. television. So his ability to collect would grow. A native of Clifton, N.J. who has been a Parkview Senior Living Community resident since fall 2013, Corby said his favorite collections include James Bond 007, the four Titanic movies and MacGyver, an ABC Network crime-solving adventure show from 1985 to 1992 plus “Documentaries, PBS, National Geographic.” His collection does not include any foreign films. In addition to taping television shows and movies, Corby said he’ll buy a new DVD and add to his collection “about once a month.” His current collection is “about half VHS and half DVD,” Corby added. Corby regularly shares his videos, which are shown to residents in Parkview’s theater.
Frank Galbraith with children at International Christian School, San Jose, Costa Rica, earlier this fall taking a break from his “Young Earth Seminar,” a proCreation class Galbraith teaches as part of his Christian outreach.
Improving the quality of life for senior adults & their caregivers CADES provides daytime care and socialization for seniors in need of companionship with structured activities to help them function to their fullest potential. CADES services include lunch, nutritious snacks exercise, active and passive games, arts and crafts, intergenerational contact, pet therapy, and much more. CADES provides a safe, nurturing environment for participants, while providing education, support and respite for caregivers.
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FARRAGUTPRESS THURSDAY, NOVEMBER 13, 2014 • 7C
Strengthen your memory Increased forgetfulness is not an inevitable side effect of getting older No one, regardless of age, is immune to random bouts of memory loss. While misplaced car keys or forgetting items on your grocery list are nothing to get worked up over, many men and women over 50 do start to worry about memory lapses, especially when they start to occur with more frequency than they might have just a few years ago. But while memory loss might be quickly associated with aging, increased forgetfulness is not an inevitable side effect of getting older, a fact that those at or approaching retirement age should find comforting. When considering the relationship between memory and aging, it's important that men and women recognize the distinction between memory lapses and dementia, as the two are not one and the same. As a person ages, his or her hippocampus, the region of the brain involved in the formation and retrieval of memories, often deteriorates. This can affect how long it takes to learn and recall information. But just because this process is slower does not mean it's a warning sign of dementia, which is the loss of certain mental functions, including memory. Though taking longer to recall information can be frustrating, many people still retain their ability to recall information. In addition, while dementia brought on by conditions such as Alzheimer's disease or Parkinson's disease is untreatable, there are things men and women can do to strengthen their memories and reduce their momentary lapses in memory. • Start playing games. Games that test the mind have long been believed to benefit the brain, though some remain skeptical about the true impact of brain games. However, a University of Iowa study funded by the National Institute on Aging found that brain games may in fact pay numerous and long-term dividends. In the study, 681 healthy volunteers over the age of 40 were divided into four groups. One group played
computerized crossword puzzles, and three other groups played a brain training video game from Posit Science designed specifically to enhance the speed and accuracy of visual processing. The volunteers showed less decline in visual processing as well as in other tests that measured concentration, memory and the ability to shift quickly between tasks, and the benefits from the training games lasted as long as seven years after training. Brain games are now more accessible than ever before, as players can access such games on their smartphones, tablets, ereaders, and computers. And in addition to being effective, the games also provide entertainment value. • Alter your routine. Many working professionals recognize that each day tends to have its mundane moments. The brain can grow accustomed to these moments, which tend to be a routine part of the day. But altering your daily routine can jar the brain awake, forcing it to focus during those times that had become mundane but now present new challenges. Something as simple as alternating driving routes to work from day to day or preparing some new, yet healthy, breakfast each morning can help the brain stay alert and sharp. • Become a social butterfly. Maintaining a social life as you age is a great way to keep in touch with friends and family. But there's another reason to continue to be socially engaged. A 2008 study spearheaded by the clinical trials administrative director at Southern California Kaiser Permanente Medical Group and published in the American Journal of Public Health found that older women who maintained large social networks were 26 percent less likely to develop dementia than women with smaller social networks. In addition, those who had daily contact with friends and family cut their risk of dementia by nearly half. The study also See MEMORY on Page 10C
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8C • FARRAGUTPRESS THURSDAY, NOVEMBER 13, 2014
BOOMERS & BEYOND
How is a woman’s retirement plan like a smartphone? Financial expert offers 3 tips for getting smart about retirement planning Financial strategist Donna M. Phelan, author of “Women, Money and Prosperity: A Sister’s Perspective on How to Retire Well,” (www.donnamphelan.com) relates the story of Wanda Strong – one of four sisters – one married, one widowed, one divorced and one who never married. Finding herself suddenly single with two kids to support and less than 15 years to retirement, Wanda had to make a choice: she could either succumb to the numbing fear about her financial future, or she could embrace new strategies for prosperity. She chose the latter. “Many women feel an unspoken fear about money and retirement because they sense they are not prepared and don’t know what to do about it,” says Phelan. “What’s worse – they don’t talk about it!” Women may indeed be behind, due to a lifetime of lower earnings, leaving the workforce for childcare and eldercare, working in jobs that don’t offer retirement plans, and their own longevity, according to the US Census and Social Security Administration. Phelan provides “ahs” – awareness, hope and strategies: awareness of women’s own financial situation, hope that it’s never too late (or too early) to start planning, and real life strategies that are easy and practical for women of any age or current financial situation. 1. Create Stackable Income Streams to Empower Retirement Security (SISTERS). Women need to stack several income streams to cover their retirement spending needs because one, such as Social Security, may not be enough. And others, such as alimony, child support or a primary earner’s income, may disappear. 2. Get as inspired to learn about money as you are about your new smartphone! “Women often say that they can’t under-
stand money concepts because they are too complex to learn,” Phelan says. “But they want to learn about their smartphone -- by far, a much more complex, highly advanced piece of technology that is constantly changing –- because they want to stay in touch with their kids.” “But think of the similarities between your smartphone and money: • Both have their own language. • Both give you tremendous options for freedom. • Both have a broad range of applications. • Both take time and willingness to learn. • Both can, at times, feel frustrating and overwhelming. • Both are within your intelligence and offer great potential rewards for mastering them. • Only one requires that you ask the advice of someone embarrassingly younger than you how to use it!” 3. Join the conversation, start a SISTERS Club. Wanda calls her 3 sisters and a few friends together to brainstorm new retirement strategies for stackable income streams. They could: • Meet with a financial advisor and develop a written plan. • Learn how to create income from investments. • Embrace non-traditional living arrangements, such as renting out empty bedrooms, or getting a roommate. • Consider working a little longer, or part-time in retirement. • Start a business. • Pool their talents, ideas and resources. A SISTERS Club, like a book club, is a safe environment where women can come together to share knowledge and experi-
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FARRAGUTPRESS THURSDAY, NOVEMBER 13, 2014 • 9C
Comfort and companionship These dog breeds are especially compatible with seniors Pets often make ideal companions. They are around when a person needs support, they can provide protection for those living alone, they're always willing to lend an ear to problems, and many tend to offer unconditional love. Seniors facing an empty nest or the loss of a spouse may find pets can buoy their spirits. Studies have shown that seniors can benefit both mentally and physically from having a pet around. Pets can alleviate anxiety, depression and boredom. While pets can provide comfort and companionship, they remain a significant responsibility. Seniors should find an animal that will fit in with their lifestyles. This is an important consideration for those seniors who travel frequently or have mobility issues. In addition, men and women living in senior communities or assisted living facilities should determine if there are any pet restrictions in place. Those seniors who have decided that a dog will be the best fit can choose among several breeds that may be a good match for their needs. When selecting a dog, consider both size and temperament. Smaller dogs tend to be easier to handle and will need less maintenance. They are easily carried and won't take as long to bathe and groom. Smaller dogs also consume less food than larger breeds, reducing the expense of dog food and the hassle of wrangling large, heavy bags of chow. Temperament is also important, as some breeds tend to be more easygoing than others. Larger breeds may be preferable to a smaller breeds, which tend to be hyperactive. However, always remember there are pros and cons to each breed, and each dog will demonstrate his own personality traits. The following are some dogs that can be especially compatible with seniors. • Pug Equally playful and willing to be a lap dog, the pug requires little exercise and grooming. The breed is typically nonag-
gressive and submissive. Pugs are goodnatured and playful; they don't often bark and are easy to train. • Shih Tzu The Shih Tzu lives for attention, but this breed can be dominant and difficult to train. The Shih Tzu will be alert to its surroundings and, despite its small stature, can be a good watchdog. • Pomeranian Pomeranians look like big balls of fur and can bring a smile to an owner's face. The breed tends to be perky, can display dominance and can be difficult to train. Because Pomeranians can be dog-aggressive, they may be best as the only pet in the house. • Yorkshire terrier The Yorkie is a diminutive breed in size only, as they tend to have exuberant personalities that dwarf their stature. The ideal lap dog, Yorkies want to lie around and lounge, though some do like to bark. If the fur is kept short in a "puppy cut," the dog can be easy to maintain. • Pembroke Welsh Corgi This medium-sized dog hails from Wales and typically requires only moderate exercise and little grooming. They are easy to train and moderately dominant. They don't bark excessively, and they often get along with other dogs. • Schnauzer Available in three sizes, Schnauzers are good companions and protectors. This is an intelligent and loyal breed and will need to be kept amused to stave off boredom. • Brussels Griffon These dogs do not shed, but they will require professional grooming at least once every 3 months. If socialized early, the Griffon can be a good companion but will likely remain wary of strangers. They are good watchdogs and devoted to their owners.
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10C • FARRAGUTPRESS THURSDAY, NOVEMBER 13, 2014
BOOMERS & BEYOND
Benefits of bonding with grandkids What used to be the "golden years" of life for seniors is now turning into any opportunity to spend even more time with their youngest family members. Nowadays, a growing number of grandparents are called on to provide child care for their grandkids, many of whom are growing up in two-income households. Others are helping to raise grandkids while providing financial assistance for adult children who may not be able to live on their own. This trend has been corroborated in a few recent studies. Information from the Pew Research Center showed 7.7 million children in the United States were living in the same household as one of their grandparents in 2011. A University of Chicago analysis of a decade of data based on interviews with 13,614 grandparents, ages 50 and older, found that 61 percent of grandparents provided at least 50 hours of care for their grandchildren during any given year between 1998 and 2008. And an April 2012 study for the MetLife Mature Market Institute and the nonprofit Generations United, an intergenerational policy group, found that 74 percent of respondents provided weekly child care or babysitting service for grandkids. Grandparents often cite helping their own children financially as well as staying in touch with grandchildren as motivating factors behind providing care. According to Generations United, staying in touch with grandkids can give seniors a feeling of self-worth and improve their overall health. When spending so much time together, grandparents may develop special rela-
tionships with their grandchildren, who may benefit from the knowledge and wisdom offered by their elders. The following are some lessons grandparents can share with youngsters. • Empathy: By sharing stories of how things were when they were younger, when opportunities may have been more scarce, grandparents can help teach grandchildren empathy. Grandchildren may learn to be grateful for the things they have and the people around them, rather than taking what they have for granted. • Family history: Grandparents can tell grandchildren about family members, including youngsters' own parents, and shed light on the generations that came before them. Looking through photos or watching old movies can provide the avenue by which to start conversations about family history and give children opportunities to ask questions. • Interests: Children may be excited about learning new skills or hobbies taught to them by their grandparents. Anything from gardening to woodworking can be shared. • Respect: Children who grow up respecting their grandparents may have an increased tendency to respect authority figures outside their homes, which may help kids grow up to be more courteous and kind. Grandchildren also offer benefits to their grandparents. Companionship, new experiences and conversation can help keep grandparents' minds sharp and bodies active well into their golden years.
Memory
does not thrive if it's sitting on the sideline. Staying active in your career will continue to provide the challenges your brain needs to stay sharp and avoid memory loss and struggles with concentration. Men and women who want to leave office life behind can branch out on their own and work as consultants or put their years of experience to use by teaching at a nearby university or secondary school. But heading off for the hammock once you have hung up your briefcase can prove troublesome for your brain.
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noted that regular social interaction can delay or possibly even prevent cognitive impairment. • Continue your career. While the idea of retiring poolside and watching the world go by might seem nice, such a scenario is not necessarily good for your brain. Numerous studies have shown the benefits that staying engaged in professional activities can have on brain health. The brain
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FARRAGUTPRESS THURSDAY, NOVEMBER 13, 2014 • 11C
Steps involved with estate planning Although 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. 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. 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. The 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 ensure your wishes will be carried out is to put them into a will. 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.
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.
Did you know? The Baby Boomer generation is one of the most influential demographics in the world today. Boomers represent roughly 28 percent of the total population of the United States, according to "Baby Boomer" magazine, and this means they are the largest generational segment as well as the single largest economic group in the United States. They hold 70 percent of the U.S. wealth and are expected to inherit millions of dollars over the course of the next 20 years. Baby boomers comprise a population of adults who were born between 1946 and 1964. That makes boomers people who are between 49 and 67 years old. Many of these baby boomers have grown to be household names and influential individuals in all areas of business. Actor Brad Pitt is a baby boomer, as is President of the United States Barack Obama. Director Peter Jackson, singer k.d. lang and business mogul Donald Trump all belong to the baby boomer generation. Here are some additional facts and figures about baby boomers: • Baby boomers have more discretionary income than any other age group. • Baby boomers own 80 percent of the money in savings and loan associations. • Baby boomers spend more money than other groups. • Baby boomers account for nearly half of all consumer demand. Baby boomers have been known to have an unprecedented impact on American culture, society and the economy, and that influence is bound to continue for several more years.
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12C • FARRAGUTPRESS THURSDAY, NOVEMBER 13, 2014
BOOMERS & BEYOND
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