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A SPECIAL SUPPLEMENT TO THE WORLD
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August 7, 2019 The WORLD page 17

SENIOR LIVING | STAYING FIT
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7 Healthy Habits for Seniors
If your age is catching
up to you, there may be
some lifestyle changes
you can make to give
you a boost in energy
and better overall health.
Try to incorporate a few of these
healthy habits, recommended by
Parent Giving, to feel better and live
longer.
QUIT SMOKING
Smoking tobacco can cause cancer,
stroke and heart failure. It also affects
your skin by causing excessive wrinkling
weakening skin elasticity.
If you’re having difficulty quitting
cold turkey, try cutting back with the
aid of nicotine gum or patches.
STAY ACTIVE
You should do something that
boosts your strength, flexibility and
balance. Participate in activities that
help you stay at a healthy weight to
prevent heart issues, sleep better and
reduce stress.
EAT WELL
The right diet will make it easier to
remain active. Schedule an appointment
with a nutritionist to find the
eating plan that will benefit you the
most. Dietary changes and exercise
can prevent or control illnesses such
as heart disease, obesity, high blood
pressure and diabetes.
MAINTAIN A HEALTHY WEIGHT
Carrying around excessive weight is
dangerous for your heart and promotes
diseases such as diabetes. Find
out what your ideal weight is for your
body type and work to achieve it. You
can maintain it by staying active and
eating right.
PREVENT FALLS
Analyze your home for fall risks and
eliminate them. Things such as loose
carpets or rugs, cluttered walkways
and unlit hallways should all be
addressed. According to the National
Council on Aging, falls are the leading
cause of fatal and non-fatal injuries
for older Americans. In most cases,
they can be easily avoided.
STAY UP-TO-DATE
ON IMMUNIZATIONS
AND SCREENINGS
Staying on top of your health is crucial,
especially as you age. Follow
your doctor’s orders and receive the
immunizations and life-saving
screening schedule they provide to
watch for serious health problems.
MANAGE STRESS
Try to limit the amount of stress you
put yourself through. Exercising and
meditation have shown to relieve
pent-up frustration. You also should
make time to socialize with friends
and peers, as positive thinking has
beneficial effects on our health.
How to
AGE IN PLACE
in C entral VT
Get Your
Monument In
Before The End
of The Season
a friendly, helpful & FREE
elder-support program
available in most area
senior housing buildings
& senior centers.
Learn more!
Contact: Kenneth Russell
SASH Program Manager
krussell@downstreet.org
(802) 477-1426
or visit sashvt.org
CENTRAL VERMONT SASH PARTNERS:
Barre Housing Authority
Downstreet Housing & Community Development
Montpelier Housing Authority
Vermont State Housing Authority
Central Vermont Council on Aging
Central Vermont Home Health and Hospice
UVHN - Central Vermont Medical Center
Washington County Mental Health Services
page 18 The WORLD August 7, 2019
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802-479-1035
15 Blackwell Street, Barre, VT 05641
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SENIOR LIVING | HEALTH BASICS
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The Importance of Good Sleep
A good night’s sleep affects
much more than how you
feel the next day. With age,
it’s not uncommon for
sleep habits to change.
Most seniors notice they
are ready to fall asleep
earlier in the evening and
wake up at later hours.
As we age, our bodies produce less
melatonin, which can lead to slight disruptions
throughout the night.
However, if you experience disturbed
sleep, are tired when you wake up or
experience other aspects of insomnia,
there may be serious underlying issues.
Learn more information regarding
your sleeping patterns and if you
should visit a specialist, from the
American Geriatrics Society.
COMMON SLEEP
PROBLEMS IN SENIORS
Problems with sleep can lead to
numerous issues for older adults. Here
are a few of the most common types
they experience.
Insomnia: a condition which causes
you not to fall asleep when you think
you should, causes you to stay asleep or
gives the feeling you have not slept
enough once you wake up.
Sleep apnea: a condition that may
cause seniors to stop breathing during
sleep. A lack of oxygen causes some to
wake up gasping for air. This condition
may lead to diseases such as high blood
pressure and heart conditions.
Restless Leg Syndrome: a condition
that causes people to repetitively kick
their legs during sleep. While it may not
wake you up, it’s likely your legs will be
sore in the morning and it will affect
your comfort and ability to rest.
WHAT YOU CAN DO
Your actions throughout the day can
play a huge role in how well you sleep.
Take the advice from the group Health
in Aging to set yourself up for a full
night’s rest.
• Avoid caffeine, tobacco and alcohol
in the later part of the day;
• Eat smaller portions before bedtime;
• Follow a strict sleep schedule and
routine; and
• Exercise regularly, especially early in
the day.
REACH OUT FOR HELP
If you have tried to make yourself
tired and are still having difficulty sleeping,
visiting a specialist is the next step.
Through tests and studies, they can find
what is keeping you awake.
They may choose cognitive-behavioral
therapy, medical management or
sometimes prescription medicine to
help you get a better night’s sleep.
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August 7, 2019 The WORLD page 19

SENIOR LIVING | MEDICAL DEVICES
Hearing Better for a Happier Life
According to the
National Institute on
Deafness and Other
Communication
Disorders, about one
in three people
between the ages of
65 and 74 have
hearing loss and
nearly half of those
older than 75 have
difficulty hearing.
If you are experiencing a
decline in how you hear, it may
be time to invest in a hearing
aid. There are several considerations
you should make before
committing to a certain model.
Make sure to get your doctor’s
opinion on the option that is
most efficient in your situation.
Here are some factors to
consider before you begin
shopping.
KEY FEATURES
Hearing devices typically
consist of four basic components:
a microphone, a processor,
a receiver and a power
source. The microphone recognizes
the sounds you hear and
transfers them to the processor.
Those sounds are enhanced
by the processor, which then
amplifies them to your ear
canal via the receiver, or speaker.
The system is powered by a
power source, or battery.
While most operate the
same, you can find units with
other high-tech features. Here
are some to look for.
• Automatic gain control
picks up on soft sounds while
maintaining loud noises at
comfortable levels.
• A feedback manager is
helpful to minimize annoying
whistling, while boosting
amplification.
• Noise reduction is great for
reducing background noise so
you can concentrate on speech
intelligibility.
SET REASONABLE
EXPECTATIONS
A hearing aid won’t completely
restore your hearing, so
it’s important to understand
what you should expect.
Most users experience a better
quality of life by picking up
on sounds they couldn’t hear
in the past and enjoying conversations
without asking
someone to repeat themselves.
You also should allow yourself
time to adjust to the new
type of hearing experience.
There may be a short period
before you feel comfortable
with your new earpiece and its
capabilities.
ASSISTIVE
LISTENING DEVICE
In addition to a hearing aid,
© ADOBE STOCK
take advantage of assistive listening
devices that can make
an aid more effective. Installing
wireless systems or neck loops
in rooms in which you have
difficulty hearing can make the
sounds more prevalent to
someone with a hearing aid.
Before making a purchase,
check with your insurance policy
to see if they help cover the
cost. Some high-end models
can be expensive.
Project
Independence (PI)
81 N. Main St. Barre, VT 05641
Vermont’s First Adult Day Center
Established in 1975
For adults who live in Washington and
northern Orange counties. Participants of PI
include adults of all ages with varying degrees
of needs and have a desire to enhance their
independence through social and community
engagement.
Benefits Include:
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Skilled Professional
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Nutritious Meals
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Caregiver Support
For More Information:
- Check our Website: www.pibarre.org
- Visit us on Facebook:
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- Call us to schedule a visit
802.476.3630
page 20 The WORLD August 7, 2019
Vermont Audiology has been proudly serving the
Central Vermont community for over 15 years. We
accept Medicare and most other major insurance carriers.
Schedule a visit today...
Better hearing is possible!
Marcia A. Dion, MS, CCC-A, FAAA
Clinical Audiologist
81 River Street, Montpelier
802.229.5868
mdion@vermontaudiology.com
www.vermontaudiology.com
No Dog Bites, No Divorces
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3 Pitkin Court, Suite 102
Montpelier, VT 05602

SENIOR LIVING | DISEASE PREVENTION
Skin Cancer Awareness
The Skin Cancer
Foundation reports
the odds of
developing skin
cancer rise as you age.
In fact, about 50 percent of
Americans who live to age 65
will have experienced at least
one type of skin disease.
Before enjoying the summer
outdoors, don’t skimp on the
sunscreen.
WHAT IS SKIN CANCER
This type of cancer develops
in one of the tissues in
the skin. When caught early,
most instances are considered
minor problems and are easily
removed. However, if left
unresolved, they can lead to a
fatal disease.
Regular annual checkups
are encouraged by the
American Geriatrics Society.
They report that more than 2
million cases of skin cancer
are discovered annually in the
United Sates.
There are three common
types that experts look for
during examinations.
• Basal cell carcinoma: The
most common type in the
country, starts in the outer
layer of the skin and slowly
grows in its original location
without spreading;
• Squamous cell cancer:
Developed from flat squamous
surfaces on the skin, it
is commonly caused by exposure
from the sun. It’s more
likely to spread than basal cell
but chances are still relatively
low; and
• Melanoma: This is the
most dangerous form of skin
cancer, which often spreads
to important parts of the
body. It occurs by affecting
specialized cells in the skin
that produce melanin. If
caught early, 97 percent of
melanomas can be cured, but
it becomes more difficult to
treat in later stages.
PROTECTING YOURSELF
The most important thing
to do to lessen the risk of skin
cancer is to avoid staying out
in the sun. When going outdoors,
wear long-sleeved
shirts and pants when temperatures
permit. During
sunny days, make sure to liberally
apply sunscreen with a
UPF of 30 or higher on
exposed skin.
Don’t forget to reapply sunscreen
after every few hours if
you will be outside for long
durations.
TREATMENTS
If you find yourself diagnosed
with skin cancer, a specialist
may offer different
treatment methods based on
its severity.
Sometimes surgical
© ADOBE STOCK
extraction can be performed
to easily remove the growth.
For early cases, an incision
usually eradicates the disease.
However, for more advanced
stages, extensive surgery may
be required to eliminate deeper
lesions.
Serious cases which have
spread may require chemotherapy
and radiation to
shrink or eliminate the cancer.
What is SPF?
When shopping for sunscreens, consumers will no
doubt notice each bottle lists its SPF number. Numbers
tend to be as low as 4 or as high as 100. But what
is SPF? And what does it have to do with protecting
the skin from the sun’s harmful rays? According to the
Skin Cancer Foundation, SPF, which stands for sun
protection factor, is a measure of a sunscreen’s ability
to prevent the skin against ultraviolet B, or UVB, rays
from the sun. The Skin Cancer Foundation notes that
SPF works in a way that might surprise even the most
devoted of sun worshippers. If it takes 20 minutes for
unprotected skin to start redding, then a sunscreen
with an SPF of 15 will theoretically prevent redding
for 15 times longer than that — or about five hours.
While that’s impressive, the Skin Cancer Foundation
notes that the SPF model does spark some concern.
For example, no SPF sunscreen, regardless of its number,
should be expected to remain effective for longer
than two hours without reapplication. In addition,
reddening of the skin is a reaction to UVB rays alone
and indicates little about any damage caused by ultraviolet
A, or UVA, rays. To protect themselves against
both UVB and UVA rays, the Skin Cancer Foundation
recommends consumers use only broad-spectrum
sunscreens with an SPF of 15 or higher. Wearing protective
clothing, staying out of the sun between the
hours of 10 a.m. and 4 p.m. and reapplying sunscreen
after sweating or going into the water are other ways
to protect the skin from the sun’s harmful rays.
state lanning erices
Providing Estate Planning Services
including legal counsel and
drafting of Wills, Durable Powers
of Attorney, Advanced Healthcare
Directives, Trusts, as well as
Estate Administration and
representation in Probate litigation.
aw fice o Caroline . arle, C
107 State Street
Montpelier, VT 05602
(802) 225-6495
csecaroline-law.com
August 7, 2019 The WORLD page 21

SENIOR LIVING | ESTATE PLANNING
What Could Possibly Go Wrong? Choosing the Wrong Executor
Among my workshops my clients most
appreciate is the one called “Thrills, Chills, and
Probate-Related Horror.” The probate process
can seem deceptively simple to people who’ve
never been through it. But in probate, seemingly
minor errors or omissions can have major
consequences – delays that drag on not just for
months, but for years; signifi cant dollars that could
have made life more pleasant for the beneficiaries
expended on legal fees or court battles; and,
worst of all, permanently damaged relationships
among family members. So much can go wrong
that, as an estate-planning attorney, I’m passionate
about educating the unwary about the pitfalls that
surround the probate process.
By Claudia Pringles, Esq.
Among the most common source of problems in probate
is the will-maker’s choice of executor – or, rather, the process
the will-maker used to make that choice.
First, let’s clarify some of the terminology. “Probate” is
the court-supervised process of determining the final destination
of the assets of a person who has passed away, such as
finding the deceased person’s assets and determining their
value; paying the deceased’s outstanding debts and taxes;
identifying the rightful beneficiaries and ensuring they
receive the amount due them. The driver of the probate train
is the Executor, who is nominated for this office in the will of
the deceased, then formally appointed by the probate judge
as the probate process begins.
WHAT DOES AN EXECUTOR DO?
The Executor is legally responsible for the many tasks
that make up the probate process. He/she must understand
probate law well enough to be able to comply with it yet
have enough humility to get expert help (paid for out of the
estate) regarding legal and/or financial areas as needed. The
Executor is responsible for filing a variety of documents
with the court properly and on time; for all communications
regarding the affairs of the deceased and the probate process;
for keeping excellent records of work performed and
information gathered, including detailed financial records.
The Executor must also adopt an appropriate, respectful
demeanor when dealing with the probate judge and other
court officials. Given the many responsibilities that come
with this office, a good Executor comes supplied with good
organizational skills and a great deal of patience.
Executors are nominated in the Last Will and Testament
of the person who passed away and formally appointed by a
probate judge as part of the probate process.
CHOOSING AN EXECUTOR
Who makes a good executor? An executor has one job:
to lead the charge with probating your estate through the
court while remaining loyal to your wishes and being fair
to your beneficiaries. As the list of duties above suggests, a
good executor is someone who is organized, fair-minded,
responsible, and has the time to do the work.
It’s not uncommon for clients to walk into their estateplanning
attorney’s office with the assumption that they
had to finish a self-imposed homework assignment before
they’ve even said “Hello.” More often than not, new clients
come to my estate-planning practice with a list assigning
individuals to key estate-planning roles from Executor to
Trustee. Almost without fail, the roles will be assigned to
their children, and will be assigned by birth order, from
eldest to youngest, without regard to the individual’s
strengths, weaknesses, or willingness to undertake their assigned
job. It’s as if they were living in Downton Abbey, with
the rules of primogeniture in force.
Let’s take a fictional family, Mr. and Mrs. Traditional. The
Traditionals have three children: Peter the Ph.D. Physics
Professor, Dana the Doctor, and Eddie the Electrician. The
Traditionals announce they’ve decided to name Peter the
Executor, Peter as their alternate agent for Powers of Attorney
and Advance Directives, and Peter as Successor Trustee.
AS THE PROBATE TURNS...
Never mind the wisdom, much less the fairness, of asking
one person to do all these roles, which would likely occur
close in time. Peter could find himself as: the agent under
his incapacitated parent’s power of attorney and Advance
Directives; the trustee of their trust; and, after the parents’
death, the executor.
Back at the planning stage, would Peter make a good
choice for executor?
As a physicist with a specialization in black hole theory,
Peter is surely smart enough to figure out how to do probate.
His parents admit, however, that Peter tends to be
arrogant, thinks he has all the answers, is unlikely to ask
for help, and would refuse
to step down from the role
of Executor no matter how
overwhelmed he was nor
how poorly or slowly he
performed the job. While
Peter has infinite patience
calculating Absolute v.
Apparent Magnitude, with
other human beings – not so
much. He doesn’t get along
well with his family members
– especially his siblings.
The Traditionals’ secondeldest
child, Dana, also has
some characteristics that
may not be ideal for an
executor. Dana is not financially
responsible and lives
way above his means. He
struggles with keeping his
finances organized and paying
bills on a timely basis. As
one of the most important
responsibilities an executor
has is managing the finances of the decedent, including
clear, detailed, accurate record-keeping and the timely
paying of bills, increasing the amount of such responsibility
Dana must handle will almost certainly overwhelm him.
Finally, there is Eddie. Eddie has been an electrician for
20 years. He runs his own successful business, including
managing its finances. He deals with many customers and
other professionals and has good personal skills. He has
been a keen observer of the family drama triggered by Peter
and Dana, and has managed to remain on cordial terms with
everyone while staying out of the fray.
If the law required the Traditionals to select one of their
children as their Executor, clearly the youngest, Eddie, would
be the best choice. But the law has no such requirement. And
given his desire to stay as far away from family drama as possible,
Eddie might prefer not to serve as Executor.
Knowing this, the Traditionals begin considering a wide
variety of other people well suited to the role – other family
members and friends, or professionals such as attorneys or
accountants. But this time, they base their choice for each
role on how well any individual’s skill set and temperament
match the needs of the job.
Choosing your executor and other persons who will
play key roles in managing your assets can be a far more
important – and more challenging! – aspect of the estateplanning
process than deciding who gets Grandma’s pearls
or the grand piano. Don’t feel you need to have made these
decisions prior to meeting with your estate-planning attorney,
who’ll be able to help you identify objectively persons
well suited to these demanding roles.
Claudia Pringles is an estate planning attorney based in
Montpelier, Vermont. She can be reached at 802-223-0600 or
via her website at www.EstatePlanningVermont.com.
Complimentary
retirement plan
reviews.
Kristin Dearborn
Financial Advisor
89 Main St City Center
Suite 10
Montpelier, VT 05602
802-223-1617
Member SIPC
Seniors
Living Well
Barre Area
Senior Center
Health & Wellness, Exercise Programs
Arts & Crafts Classes
Dancing & Entertainment Programs
Activities, Workshops & Events
Trips & Tours and much more . . .
Call or stop by for more info!
www.edwardjones.com
MKT-5894I-A
page 22 The WORLD August 7, 2019
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SENIOR LIVING | STAYING SAFE
Protect Yourself from Extreme Heat
With warmer
temperatures on the
horizon in most areas
of the country, now
is the time to prepare
your home and body.
According to the Centers
for Disease Control and
Prevention, more people in
the United States die from
extreme heat than earthquakes,
hurricanes, lightning,
floods and tornadoes combined.
With age, our bodies
become less able to cool
down when temperatures are
extreme. Fortunately, there
are several proactive steps
seniors can take to keep
themselves safe this summer.
Don’t underestimate the
impact heat can have on your
health. Remember these tips
as the temperatures increase.
AIR-CONDITIONING
INSPECTION
Before the heat is in full
force, have a certified HVAC
service analyze the integrity
of your air-conditioning system.
Ensuring it will perform
when you need it most is
good peace of mind.
They will test it and perform
preventative maintenance
so it’s running in peak
condition.
If your AC system breaks
down in the middle of the
summer, you may face delays
before a specialist can make
repairs as it is the busy season.
If you should find yourself
in this situation, have a
back-up plan to stay with a
loved one or an emergency
fund to check into a hotel
until the unit is fixed.
REMAIN HYDRATED
A key to keeping safe
during the summer is to stay
hydrated. Drinking plenty of
water is always important but
especially crucial during the
heat. If you find yourself outside
for extended periods, be
sure to take numerous sips,
not just when you’re thirsty,
as thirst isn’t a good indicator
of hydration.
Signs to look for include
headache, muscle cramps
and dry mouth or tongue. If
these symptoms persist, it’s
important to seek medical
attention before they become
worse.
BUDDY SYSTEM
OR CAREGIVER
Call on a friend or loved
one to check in on you every
few hours during days of
extreme heat. You will have
© ADOBE STOCK
peace of mind that if something
goes wrong, you will
have someone looking out for
you.
If you need more constant
care, consider hiring an
in-home caretaker. They can
help ensure you are remaining
hydrated and determine if
the heat is beginning to affect
your health.
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Turning 65? New to Medicare?
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Central Vermont Council on Aging
59 N. Main Street - 2 nd Floor - Barre
Senior HelpLine - (800) 642-5119
IONIC FOOT
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$25 first Treatment
$75 for 3-treatment (Package)
$35 each re-visiting treatments
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Certified in Herbalism & Reiki III
652 Granger Rd., Berlin, VT 05641
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August 7, 2019 The WORLD page 23