12 Senior Life April

8/2/2019 12 Senior Life April

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A Special Supplement To The Delphos Herald April 2012

Senior Lifestyles


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2 The Delphos Herald Senior Lifestyles April 2012

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ARA Calling your retirement sav-ings a nest egg is meaningful on manylevels. Just as birds labor hard and long toreate a secure roost, you and your mate

work hard to provide for yourselves dur-ing your golden years. And just as crowsand other invaders can come along to roba birds nest, your nest egg can be at riskfrom predators like identity thieves andscammers.

One out of every five people older than65 - 7.3 million Americans has beenthe victim of a financial swindle, accord-ing to a survey sponsored by the InvestorProtection Trust. Identity theft statistics arealso alarming: In 2010, more than 1 mil-lion people older than 65 were targeted byidentity thieves, according to the Bureau ofJustice Statistics. Factor in everyone olderthan 50, and that number soars to more than3.5 million.

Unfortunately, its not enough to have

saved wisely for retirement, says KenChaplin, senior vice president of market-ing for Experians ProtectMyID. Statisticsshow that seniors are favorite targets foridentity thieves, con artists and scammers.Protecting your nest egg from being raidedby crooks is every bit as important as ensur-ing your investments continue to pay off.

Fortunately, you can take steps to pro-tect your nest egg.

Avoiding phone scamsFirst, always know who youre giving

your money to. Never invest with someonewho cold calls you on the phone claimingto have a great investment opportunity. Beespecially wary of companies that haveno physical address and operate out of aP.O. box or web site. And remember, besuspicious if an investment promises amaz-ing returns. If something sounds too goodto be true, it often isnt true at all.

Never give your bank account, Social

Security Number or credit card number tosomeone who calls claiming to be a billcollector. The law requires bill collectors toprovide you with documentation of a debt.Request documentation and thoroughlycheck out any claims that you owe money.

If you have any doubts about a phonecall youve received, talk to friends or fam-ily members who know something aboutinvesting. Never trust a stranger youve just

Protectingyour nest egg from

virtual crows

According to the FBI, seniorsmay be targeted because:

They are less likely to be technicallysavvy about online predators.

They tend to be more polite and trust-ing, and may be less likely to recognize aphone scam.

They may be unaware who to report acrime to if theyve been defrauded.

They often have large nest eggs to

protect.

(See PROTECTING page 7)

3


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April 2012 The Delphos Herald Senior Lifestyles - 3

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ARA One in three seniors over the ageof 65 will experience at least one fall annually,according to the Centers for Disease Control.The bathroom is one of the most danger-

ous rooms in the home for the elderly.Slick floors, small spaces, sharp edges andfew things to grasp make mobility difficultand increase chances for dangerous falls.Unable to complete everyday tasks with thesame mobility they once had, many seniorhomeowners are left with unsafe measures toprevent falling in the bathroom. These mayinclude insufficiently secured towel racks thatcould fall when gripped for support, showerchairs that are not slip resistant and slidingshower doors that could move unexpectedlywhen entering and exiting the tub.

We want seniors to live safely and com-fortably in every part of their homes. Itsimportant that senior homeowners are awareof the challenges independent living can pres-ent and take the appropriate precautions, saysLarry Rothman, Roto-Rooters director ofplumbing services.

Rothman offers tips on what to install inthe bathroom to keep it safe for loved onesso they can maintain an independent lifestylewith easier mobility.

Equip showers and surrounding wallswith sturdy grab bars anchored to wall studsso they can support the full weight of an

adult. Some portable safety handles use super

strong suction cups and are easy to apply andremove.

Consider installing nonskid tape or matson the floor of a shower or bathtub.

A shower chair is also a safe solution thatcan be easily placed where balance is a chal-lenge.

Flexible handheld shower wands with anon/off button might be easier to use than atraditional shower head. These are especiallyuseful in combination with shower chairs.

Toilets can be replaced with ADA-approved raised-height models to lessen thechance of a harsh fall. Alternatively, raised-height seats can be installed on existing toi-lets.

Check temperature settings on water heat-

ers, as water hotter than 120 F can scald skin.Special no-scald faucets or a no-scald regula-tor can be installed as a secondary layer ofprotection.

Some faucet handles are difficult forarthritic hands to grip and turn. These shouldbe replaced with models that are easier forseniors to use.

A study by the Home Safety Council foundthat falls are the leading cause of home injury-related deaths among older adults. Makingsimple home installations can make day-to-day living for seniors easier, reduce their riskof falling and give peace of mind to those

close to them.

Seven simple stepsto senior bathroom safety

4 S f


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Road trips:A mature guys guide to the open road

ARA The classic American road tripis no longer just for cashless college kids;men of all ages are taking to the road for

a unique vacation where driving is just asmuch a part of the trip as the destinationitself. If you work hard every day, maybe itstime to exchange that button-up for a casualT-shirt and gather your crew to experiencethe freedom and adventure of the open road.

If youre wondering if a road tripis right for you and your more maturefriends, a few practical measuresan help ensure it is fun for everyone:

Steady goes a finely tuned machineWhen you were younger, you prob-

ably drove through the night to rack upas much mileage as possible. The matureroad trip is just as much about the jour-ney as it is about the destination. You andyour friends will appreciate a more relaxedpace, which includes resting, eating rightand enjoying all the road has to offer.

To make sure you stay on course with-out any problems, get your vehicle tunedup before you head out. Its a good idea tohange the oil and check the tire pressure andoolant system before you get on the road. If

your vehicle is due for some routine mainte-

nance, have it done before you start your trip.

The right vehicle for a memorable trip

Your days of cramming six guys ina small, rusty car are over. A reliableyet fun-to-drive pickup is perfect for yourgrown-up road trip with the guys. And sinceyour stuff is probably going to be worthmore than what you toted around duringyour college days, be sure to protect it. Alockable roll-up cover, like the tonneaucover line by Access Cover, will keep yourbelongings protected from the elements both weather and criminal while youreon the road. Plus, a truck bed cover canhelp improve your vehicles gas mileage.

Its also important to protect your gearand reduce it from shifting all around witha Truck Bed Mat from Access Cover madefrom marine-grade carpet. Finally, even ifyour eyes arent what they used to be, youcan still quickly access all supplies with aTruck Bed LED Light which can be mount-ed at the front or the rear of the truck bed.

With age comes wisdom to pack smartAs for what to pack, be sure to include an

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(See ROAD TRIPS page 7)

A il 2012 Th D l h H ld S i Lif t l 5


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Attention Folks 55 and older:

Some say the 60s hippies are goingback to the commune. Others call thegrowing number of female Baby Boomersrooming together The Golden Girls phe-nomenon.

Author Martha Nelson, who at 65 is onthe leading edge of a tsunami of retiring

oomers, says its really all about choosingthe company of friends.

As a group, weve been empowered morethan past generations of women, says Nelson,whose debut novel, Black Chokeberry(www.BlackChokeberryTheBook.com), isthe story of three disparate older womenwho unexpectedly end up sharing a home.Were more worldly, stronger, financiallysavvy and healthier than our ancestors through no fault of their own and weknow what we want.

Increasingly, what they want is toactively age with the camaraderie, laughter,understanding and support of other womenwho share their ideas of healthy lifestyles,good food from their own gardens, greenliving, and myriad activities on a moments

notice.In 2010, 480,000 Baby Boom womenlived with a least one unrelated female,according to an AARP analysis. The grow-ing number of U.S. HomeShare programs,which help connect people interested insharing a house, say their numbers havebeen steadily rising since the economybelly-flopped.

This concept is really trending on theEast and West Coasts and is very big inEurope, says Ryan Cowmeadow, vicepresident of the National Shared HousingResource Center, an all-volunteer clearing-house of HomeShare programs.

Our numbers are up about 15 percentsince 2007, and about 75 percent of appli-cants are female, he says.

Were hoping to see a real surge withthe Boomers entering retirement age now.Theyre the ones who didnt take nofor an answer. Home-sharing just makessense.

Nelson notes that there are several rea-sons why women more than men are gravi-

tating to communal living as an alternativelifestyle.

Women typically live longer than men,and men are more likely to remarry quicklyafter a divorce or the death of a spouse,she says.

And fundamentally I think its as much

about the special bonds women share. Weform these wonderful, supportive, tellthe truth friendships, which survive thedemands of husbands, children and careers.Whether living alone or with a spouse or

partner, women cling to their friendships.When a woman considers living alone asshe ages, its a natural progression to seekthe company of her best friends.

Thats what happened to Nelson, a for-mer journalist and educator, whose longmarriage ended in divorce when she was in

her 50s. In regaining her balance as a singlewoman, she sought time alone to heal, thenturned to her trusted friends as she stepped

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(See LIVING page 7)



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April 2012 The Delphos Herald Senior Lifestyles 7

VertebralArteries

Neck Bones

Vertebral

Arteries

Neck Bones

Headaches? Migraines?Deep in your neck a pair of blood vessels (vertebralarteries) pass through the openings in your neckbones. These vessels supply 30% of your brains

blood supply. Any twisting or misalignment of yourneck bones will kink those arteries and slow theblood flow to your brain, (the start of a migraine).Dr. Reed, D.C. can gently re-align your spine with-out popping or twisting your neck. Get the relief youare searching for at419-238-2701or visit www.ReedSpinalCare.com

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met on the phone more than the people inyour life whom you know care about you.

Guarding against identity theftIn addition to being aware of investment

scams, you also need to take steps to preventidentity theft.

Seniors tend to use credit less, havemore available credit and are less likely tocheck their credit report online, Chaplinsays. All those factors make them anappealing target for identity thieves.

The Federal Trade Commission recom-mends that everyone monitor their creditreport regularly to detect signs of identitytheft quickly. Services like ProtectyMyIDmonitor your credit report on a daily basis tohelp you detect, protect against and resolveinstances of identity theft.

In addition to monitoring your credit,you can help protect your identity with thesemeasures:

Safeguard your Social Security andMedicare cards. Never carry your Social

Security card with you. Store it in a safe,locked location. Be wary of who you givethe number to. If a merchant or health careprovider wants it, ask why they need it andif they will accept an alternate form of iden-tification.

Never leave out-going mail in your

mailbox. If you cant get to the post officeto mail it, leave a note asking your postalcarrier if he or she would be able to come toyour door to pick-up your outgoing mail.

If you use paper checks, never havenew checks delivered by mail to your home.Instead, have them sent to your bank, whereyou can pick them up. And never have yourchecks imprinted with your home phonenumber, Social Security number, driverslicense number or birth date.

Arrange to have all income checks Social Security, interest dividends, pension

payments, 401k withdrawals, etc. depos-ited directly into your bank account. Neverhave a check mailed to your home, where itcould be stolen from your mailbox.

back into life. Her happiest moments camefrom long conversations over coffee, laugh-ter over meals and movies, and, occasion-ally, indulgent tears she felt safe to shed.

I came to fully understand the impor-tance of women friends in my life, shesays. They are the gold standard and as we

age, they are critical to happiness, regard-less if one is married or in a committedrelationship.

The movement for cohousing whereresidents have private living spaces butshare common areas, such as dining rooms,and tasks, such as cooking startedin Denmark and is catching on in theUnited States. There are model programsin Boulder, Colo., and other communities,including three cohousing projects beingplanned in the greater Nashville area, whereNelson lives.

Practical considerations of creating close

living communities include health andsafety, care in times of an accident ormedical emergency, and saving money, aconcern for many women who find them-selves single or widowed after long mar-riages, Nelson says.

But Boomers are renowned for demand-ing more than creature comforts from life,

she adds.We want to be happy; were healthy,active and we want to enjoy ourselves as weage. We want to travel, go to a movie with aneighbor or housemate, cook a meal, sharea garden, and feel that we are contributingto our communities.

What started with Rosie the Riveterhas brought us to this, says Nelson who ishappily married again, but fascinated by thenew movement of cohousing.

Were strong women and we canchoose to live the way we want as we getolder. Very often, that will mean with otherwomen in close knit communities.

LIVING

PROTECTING

(Continued from page 6)

(Continued from page 2)

emergency roadside kit, first aid kit and anymedications that you regularly need. Bringalong a GPS device and your trusty mobilephone so you can stay on track and in touch.

In regard to food and supplies, youmight also consider a set of dressier clothesif your dining tastes have matured since

your fast-food days, but youll also wantsome comfy clothes for your time spent inthe vehicle. Bring a couple pairs of shoes,one dressier and one comfy for walking.And if youre not as keen on conveniencestore snacks as perhaps you were whenyou were younger, youll want to packa small cooler of food and beverages.

Plan ahead for a great tripMeandering can be fun, but having a

plan can be rewarding too, especially whenyoure older and prefer to know what toexpect. Your taste in destinations has prob-ably matured, so consult with your travel-ing partners and consider spots that appealto your current interests and finances.

Has wine tasting become a hobby as

you grew older? A tour of wine countrymay be in order. Perhaps youve discov-ered an interest in history? Consider takingthe guys to a civil war re-enactment or toone of the countrys great historic cities.Having a plan doesnt mean that therewont be moments of spontaneity, but it willprovide you with a good course to followso everyone can enjoy their time together.

ROAD TRIPS(Continued from page 4)



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12 Senior Life April

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