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Table of Contents

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Financial Steps: 65 and Older ......3Americans Living Longer .............4Lifeways article ...............................5Retirement

Health Boost .................................6Using Technology......................7, 8Precautions for

Solicated Donations...................8Vitamin Essentials ..........................9Emergency Preparedness..........10Senior Fitness.................................11

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Retirement can be one of the most enjoyable parts oflife, but what happens if you outlive your nest egg? Whatif a medical issue occurs and negatively impacts both yourhealth and savings account?

It is important to be prepared financially for situationsthat may arise, as well as for the fun and traveling youwant to experience after parting ways with your career.

Investment Strategy As you reach retirement, you may consider moving some

of your investments out of higher-risk stocks and intolower-risk mutual funds and bonds.

The American Association of Retired Persons suggestsuch a strategy, but not to an extreme level. The organiza-tion recommends you maintain a healthy, diverse portfoliothat leans a little on the safer side.

Investing too conservatively can have an overall nega-tive impact on the savings of seniors who live on wellbeyond the average life expectancy.

Hire a reputable financial adviser to talk you through theinvestment process.

Find AssistanceThe government – both federal and state – offer various

benefits to older Americans. Programs including energyassistance and property tax relief are implemented to helpseniors save more of their money for daily living.

Contact your local private and public agencies to findout your options and eligibility status.

Discounts are also available for everything from sportingevent tickets to admission to national parks. You have putin the work, so now it is time to reap the benefits.

Working Beyond 65 To work or not to work beyond 65. That is the question

facing so many Americans approaching retirement age.For some of us, it simply is not financially feasible to call

it quits. Changes in our economy and increased prices ofoverall daily living have stunted the retirement boom andforced many older Americans to keep on working.

If you fall into this category, it is important to keep con-tributing to your retirement plan as you work past 65.

MFinancial Steps:65 and Older

edical check-ups are important to maintain forAmericans 65 and older, butso too are financial ones.

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The Administration onAging reports that 12.9 per-cent of the U.S. population —about one in every eightAmericans — falls into thiscategory with the numbersexpected to rise to 19 percentby 2030.

This segment’s growthslowed during the 1990s butis beginning to rapidlyexpand as the baby boomgeneration approaches age65.

Another key number is78.6, the average lifeexpectancy of Americans.The senior population isgrowing and also livinglonger, making it an excitingtime to be entering yourgolden years.

Key FactorsThe Centers for Disease

Control and Prevention iden-tifies many key factors driv-ing the rising life expectancy,among them major victoriesin medicine and publichealth.

Vaccination against dis-ease, control of infectionsand decline from deathscaused by heart disease andstroke are all major contribu-tors to the rising lifeexpectancy.

Improved safety in motor-vehicles, workplaces, foodand water are also reasonsfor the growing senior seg-ment.

Health and LifeExpectancy

Even though life expectan-

cy is up, more Americans aresuffering from non-fatal disor-ders, according to a newstudy published by theJournal of the AmericanMedical Association.

Researchers discovered thata longer life expectancydoesn’t always come with ahealthy quality of life.

Physicians urge olderAmericans to incorporatehealthier diets, smaller por-tions, more exercise and bet-ter management of stress tocut down on the number ofpreventable diseases.

Outliving the Average Many Americans eclipse

the average life expectancyby 10, 20 or even 30 years.What is their secret?

Many centenarians andseniors in their 80s and 90sfollow diets high in fruits andvegetables and low inprocessed foods and fattymeat.

They are also highly social,with involvement in commu-nity groups and events.Spending time with friendsand family members is impor-tant for emotional well-beingand health.

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“Grow old along with me, thebest is yet to be” was penned byRobert Browning. The senti-ments, however, could have beenheard at Killions Restaurant whena large group of interested peo-ple gathered to discuss thestrengths and needs of our com-munity, relative to the seniorpopulation. This SeniorCommunity Forum was hosted byan new Senior Services Coalition,a group representing area agen-cies committed to serving seniorsand their families, includingMalheur Council on Aging,Lifeways Inc. and XL Hospice.The attendees were invited toreview current community servic-es and to identify needs, that asa community, we need toaddress.

With 10,000 people turning 65daily, the question is, are weready as a society to meet theirneeds in the areas of health and

wellness, mental wellness, com-munity services, and social andleisure needs? Can we cometogether, as a community, tomeet the needs of seniors, aswell as their family and caregiver needs?

The brainstorming sessionyielded a sense of pride in theexisting services and supports inour community. Some of theservices most valued includedour local Senior Centers, libraries,aquatics center and transporta-tion services. Many senior partic-ipants were enthusiastic aboutopportunities to participate in fit-ness groups, dances and bowling.Seniors enjoy living near TreasureValley Community College andpartaking in the communityevents and classes. It was clearthat the “baby-boomer” seniorsare not content to inhabit a rock-er but want to participate insocial, leisure, fitness and learn-ing activities.

One theme coming out of thisdiscussion was the need toexpand on these existing servicessuch as extending bus coverageto evenings and weekends, keep-

ing activities affordable and pro-viding access to the bus andactivities in outlying communities.

Another theme identified wasthat seniors want information.The group cited difficulty in find-ing out what resources and activi-ties are available to them. Theyare appreciative of 211 and thenew Aging and DisabilitiesResource Center” website butwould also appreciate a local“one stop shop” information andreferral access service. Forum par-ticipants report that not everyonehas computer access nor do indi-viduals always know what to askfor.

In this same area, seniors, fami-lies and care givers appreciateinformation regarding seniorissues such as depression andsuicide, nutrition, caring forchronic health conditions, elderabuse and financial planning.The attendees would like to seemore awareness events and tar-geted training to care givers.

The “baby-boomer” senior feelsthat he has much to offer hiscommunity. Participants suggest-ed that their service could benefitthe community and in doing so,benefit themselves with a senseof purpose. Some examplesincluded pairing seniors with chil-dren needing “grandparents”,building community gardens andhelping other aging peers toavoid isolation. In fact, amongthose Americans age 55 andover, 50 % volunteered at leastonce in the past year with 43%of those 75 and over, volunteer-ing at least once in the past year.

Retirement is no longer seen asan “endless vacation” but increas-ingly as an active, engagedphase of life that includes workand public service. Employmentis still important to many seniorswho want to be active and pro-ductive as well as those whoneed the financial benefit inthese economically tough times.

The last theme presented atthis Senior Services Forum wasthe desire of most seniors to beable to stay independent as longas possible. Seniors identified theimportance of coordinated andintegrated care with providerswho understand the issues pre-sented in aging. They cited theimportance of an educated andsupported family or non-familycare giver, available short termrespite services, care coordinationservices and relevant day pro-grams. The participants wereeager to share their thoughts andexperiences with the hope ofinfluencing the services availableto seniors in our community.They acknowledged that “thebest is yet to be” with concertedeffort by the community to pre-pare for the increase in the sen-ior population. The SeniorServices Coalition is grateful tothose who participated in thisForum.

The work is just beginning andyour thoughts and ideas wouldbe appreciated. Please contactAlice at Lifeways (541-823-9023)or April at Malheur Council onAging (541-889-7651); the SeniorServices Coalition would love tohear from you!

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Local senior community forum involvesseveral agencys including Lifeways

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etirement can have a major posi-tive impact on your daily life — inboth mental and physical ways.R

There is no more wakingup to an alarm or punchinga time clock. You are theboss now, and you guideyour day.

The freedom afforded byretirement can be downrightbaffling to some people, butit is crucial that you takeadvantage of this time thatyou earned through years ofhard work and dedication.

Statistics say thatAmericans are definitely tak-ing this advice. The Office ofNational Statistics foundthat people in their late 60shave similar levels of happi-ness as people in their 30sand are satisfied with theirown health.

The study also found thatanxiety and depression dropby almost a third for peoplebetween the ages of 50 andlate 60s.

HobbiesDecreased levels of stress

can be attributed to manyfactors that come withretirement – one being thechance to enjoy favoritehobbies and activities.

Once relegated to after-hours or the weekends, yourfavorite pastime can nowbecome your focal point.

Time is on your side nowto complete the projectsthat you have been puttingoff and to take part in theactivities you have beenwaiting to enjoy.

More Time with Family Studies have shown that

having strong relationshipswith family members canimprove overall health,especially for seniors.

Retirement means yourschedule is more flexible totake your grandchildren tothe park or to have dinnerswith your children.And don’t forget yourspouse. They have likelybeen waiting just as anx-iously as you for the dayyou can plan trips and activ-ities together without theburden of having to be back to work onMonday.

Ease of TravelHas it ever been easier to

plan a tropical destinationor a stay in an all-inclusiveresort?

Travel agencies andonline brokers have madethe process of taking yourdream vacation both seam-less and stress-free.Come up with your desiredlocation and a few activitiesyou would like to partici-pate in, and your travel pro-fessional can help plan youritinerary, suggest localhotspots and even find youdiscounts.

Ease of travel is a big fac-tor in retirees enjoying theirnow ample free time.

Retirement Health Boost

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“According to a recentstudy by Pew Research

Center, more than half ofolder Americans are

internet users”

An even larger percentageof seniors have mobilephones. This technologytrend is on the rise and hashelped equip older popula-tions with vital tools in atech-savvy culture.

For many, however, theinternet, social networkingsites and smartphones areuncomfortable and difficultto understand.

If this signifies your expe-rience with new technology,then don’t feel pressured tojump right in. Take yourtime and talk with friendsand family members aboutwhere to begin.

Internet ResourcesThe internet certainly is a

vast, multi-faceted entity —one that can be somewhatintimidating for first-timeusers. But once you under-stand the basics, the inter-net can become your bestfriend.

Using Technology“HALF OF OLDER AMERICANS ARE INTERNET USERS”

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continued on page 8

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Using Technology Precautions for solicited for donations

Full of medical, financialand everyday information,the World Wide Web is aresource center waiting toeducate and advise you onnearly any topic you wouldlike to learn more about.

Social NetworkingFacebook, Twitter and other

social networking sites areeasy to use and serve asgreat ways to stay in touchwith friends and family mem-bers.

Photos, updates on grand-children and announcementsof upcoming events are allreasons to create and main-tain an active social network-ing presence.

And as many studies haveshown, more socialization canlead to major health benefits,too.

Start off slowly by joiningan online forum that encour-ages healthy conversationand then work your way upto a social networking site.

Technology CoursesLocal colleges and learning

centers offer classes for alllevels of expertise. Coursesare designed to teach com-puter basics, typing, softwaretutorials and internet usability.These classes are generallysmall to encourage collabora-tion and questions, providinga comfortable place to devel-op your new skills. If you arewell-versed in using the inter-net, there is also a multitudeof online resources designedto help you accrue technolo-gy-based knowledge from thecomfort of your own home.

* Be skeptical of solicitors.Many con artists will indicatethat persons have given tothe charity in the past, hop-ing that prospective victimssimply won't remember ifthat claim is valid or not. If asolicitor or appeal letterclaims that you donated inthe past, don't simply take itat face value, especially ifyou don't recall making sucha donation.

* Don't feel obligated toreciprocate a gift with adonation. Many charitiessend gifts, be it mailing labelsor holiday cards, to prospec-tive donors as a token ofappreciation for past dona-tions and as a way of encour-aging future donations.

* Beware of solicitors pres-suring you to donate.Reputable charities shouldnot be on the verge of shutdown if you fail to make a

donation, so such organiza-tions never pressure prospec-tive donors into makingdonations. If a solicitor ispressuring you into making adonation over the phone orin person, chances are strongthat this person is not repre-senting a reputable charity.

* Send donations directly tothe charity after independent-ly confirming their address.When making charitabledonations, those donationsshould never be given direct-ly to solicitors. Donationsshould only be made afteryou have independently con-firmed the charity's addressand mailed straight to theorganization.

* Request personal infor-mation not be shared. Uponreceiving a charitable dona-tion, many charities sharetheir donors' contact informa-tion with other charities.

continued from page 7

A California study found that almost a third of elderlypeople are facing deficiencies, particularly in vitamins Dand B.

Boosting these vitamins and the health benefits thatcome with them can be achieved by incorporating specificfoods and even vitamin supplements into the diet.

But experts recommend that you consult your physicianbefore starting on a plan to increase your vitamin intake.

Vitamins in DietWhat you eat can have a major impact on how you feel

and how your body functions. Certain foods are loadedwith vitamins essential for good health.

The American Dietetic Association reports that carbohy-drates, healthy fats and proteins supply your body withhigh energy and top-tier vitamins.

Whole grains are a great source of B vitamins, whilevibrant fruits and vegetables are full of both vitamins andantioxidants.

Alzheimer’s Disease The Alzheimer’s Association suggests that vitamins may

be helpful in lowering your risk of developing the disease.There is some indication, according to the organization,

that vitamins such as vitamin E, or vitamins E and Ctogether, vitamin B12 and folate may be important tools inpreventing the disease.

It urges a brain-healthy diet of dark-skinned fruits andvegetables, cold-water fish and nuts to help increase yourintake of these vitamins and the trace elements necessaryfor the body to use them to their full potential.

SupplementsThe Recommended Daily Allowance (RDA) for vitamins is

set by the Food and Nutrition Board of the NationalAcademy of Sciences.

It recommends that seniors, andespecially women, should con-sult a health care profes-sional or nutritionist todetermine the appropriatelevels of vitamin supple-ments they should take.

Recommendationswill be basedon their diet,heath condition,weight and other factors.

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Vitamin EssentialsDeficiencies of vitamins and important minerals can be a

serious health problem facing Americans as they age.

Some natural disasters,storms or other emergencyevents allow only for a fewminutes of preparation. Thatis why it is so important tohave a plan of action thatyou have practiced and thatyou can execute quickly.

How we react in the faceof imminent danger can bethe difference between safe-ty and serious injury.

Your local emergencymanagement office is agreat place to start for safetytips, information on potentialdangers in your area and aschedule of upcoming com-munity preparedness events.

Know the BasicsDo you live in a flood

zone? How about within ahurricane danger area?

Your emergency prepared-ness begins with knowingthe potential dangersaround you so you can puttogether a full plan.

No matter where you livein the country, there ispotential for emergency situ-ations to arise. Learn how todo things like turning offyour gas, electricity and

water.Dangerous storms can

cause gas leaks or brokenwater pipes that can add tothe hazards around you.

Know Your NeighborsYour best friend in an

emergency situation can beyour neighbor, especially ifyou are out of town whendisaster strikes.

Build relationships withyour neighbors and get toknow them well. Exchangephone numbers with themso you can both be contact-

ed in case of an emergency.Also share your disaster

plan with your neighborsand ask them to explaintheirs. You may pick upsome good tips that youcould incorporate into yourown plan.

Know Your KitEveryone should have a

basic disaster supplies kithandy in case of emergency.

The Federal EmergencyManagement Agency recom-mends the following itemsfor your kit: one gallon of

water per person, a three-day supply of non-perishablefood, battery-powered radio,flashlight, first-aid kit, whis-tle, dust mask and localmaps.

See FEMA’s full list atready.gov.

In addition, many olderAmericans have specialneeds related to medica-tions, medical equipment,mobility and support. Planwisely and accordingly toaccommodate all of yourmost health-critical require-ments.

10

ersonal emer-gency readinessshould be a pri-ority for allmembers of theU.S. population,

especially older adultsand their caregivers.

Emergency Preparedness

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Senior FitnessRegular exercise has never been more important for our

nation. As health numbers continue to dip and chronic ill-nesses become more prevalent, what we do to combat thesenumbers will work toward improving our combined health.

Exercise lowers risk factors linked to the development ofpreventable diseases such as obesity, high blood pressureand diabetes.

The Centers for Disease Control and Prevention credits reg-ular physical activity as one of the most important steps totake to prevent serious health problems that can occur withage. So make a plan to jog, lift or swim your way into goodhealth. Your body, energy level and brain will thank you.

Aerobic Activity Aerobic exercise increases cardiovascular fitness,

endurance and overall health.CDC guidelines recommend that older adults with no limit-

ing health conditions participate in moderate-intense aerobicactivities for at least two-and-a-half hours every week.

Incorporate brisk walking, bicycling, jogging or dancinginto your daily activities and reap the benefits of a healthiercardiovascular system.

Strengthen Your MusclesAdding muscle-strengthening exercises into your routine

can produce long-term health benefits and decrease thechance of disabilities that can sometimes lead to depression.

If lifting weights is not enjoyable for you, try yoga or work-ing with resistance bands. You can also integrate strengthen-ing exercise through heavy gardening or yard work.

Find the right routine for you and stick with it. The consis-

tency of aregular exer-cise is whatwill makethe differ-ence inimprovingyour health and well-being.

Joint Relief Water-based progressive muscle relaxation methods or

even water yoga have become popular exercise programsacross the nation. Practicing such methods can help loosentight muscles, ease joint pain and reduce blood pressure.

The Arthritis Foundation urges seniors to take local class-es or participate in exercise routines that work on your flexi-bility and dexterity. Doing so can help take the pressure offthe aching in your fingers, knees and ankles.

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