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2 | October 17, 2019 | 22nd century media active aging 22ndCenturyMedia.com LISA ORGANIZES When There is Order in the House, There is Peace in the Home This is especially true for seniors who are wanting or needing to leave their family home. Seniors delay this process for four reasons. 1 Seniors are overwhelmed with the amount of “stuff” in their homes and the thought of sorting through it, selling it, giving it away, or throwing it away. 2 Their children are busy or don’t live close by, and the thought of going through their possessions by themselves delays the process of downsizing to a more affordable and easy to manage living situation, sometimes by years. Contact Lisa Hoerler at Lisa Organizes: 708-516-4410 To help the senior in your life. 3 Seniors don’t have the physical or emotional strength and stamina to sort, organize, pack, sell, or toss their most prized treasured possessions. 4 Seniors have memories around everything in their home and they fear that when they “lose” the item, they will lose the memory. And today the loss of their “memory” is what seniors fear most. Lisa Organizes creates an environment of great care and compassion around all of the above when working with seniors. Lisa understands it’s not just “stuff” to a senior. It’s their lifetime of memories that are being displaced. She works easily with a senior to keep the most important and to sell or donate the not needed. @22CMEVENTS STAY UP TO DATE ON EVENTS IN YOUR AREA For more information, visit 22ndcenturymedia.com/events 2020 EXPO Financial Focus: Not too soon for end-ofyear financial moves We’ve still got a couple of months until 2019 draws to a close, but it’s not too early to make some end-of-the-year financial moves. In fact, it may be a good idea to take some of these steps sooner rather than later. Here are a few suggestions: • Boost 401(k) contributions. Like many people, one might not usually contribute the maximum amount to their 401(k), which, in 2019 is $19,000, or $25,000 if someone is 50 or older. One should ask their employer if their 401(k) contributions can be increased in 2019, and if a bonus is received before the year ends, they may be able to use that toward their 401(k), too. • Add to IRA. People have until April 15, 2020, to contribute to their IRA for the 2019 tax year, but the more they can put in now and over the next few months, the less they’ll have to come up with in a hurry at the filing deadline. For 2019, one can put up to $6,000 in their IRA, or $7,000 if they’re 50 or older. • Review portfolio. It’s always a good idea for someone to review their investment portfolio at least once a year, and now is as good a time as any. But don’t make any judgments based solely on results over the past 10 months. Instead, look carefully at how the portfolio is constructed. Is it still properly diversified, or has it become overweighted in some areas? Does it still fit risk tolerance, or is there excessive worry about short-term price swings? These are the types of factors that might lead someone to make some changes, possibly with the help of a financial professional. • Don’t forget about RMDs. Once someone turns 70-and-a-half, they generally needs to start taking withdrawals – the technical term is “required minimum distributions,” or RMDs – from a traditional IRA and 401(k) or similar plan. After the first year in which one takes these RMDs, they must take them by the end of each year thereafter. If one doesn’t withdraw at least the minimum amount (calculated based on age, account balance and other factors) they face a penalty of 50 percent of what they should have taken out – a potential loss of thousands of dollars. So, one should take RMDs before Dec. 31. The financial services provider that administers an IRA or 401(k) can help determine the amount one must withdraw. • Think about next year’s opportunities. It happens to almost all of us: A year has passed, and we haven’t taken the actions we had planned. So, start thinking now about what to do in 2020 from a financial standpoint. Is it affordable to ratchet up investments in retirement plans? If one has children or grandchildren, has saving for college started? Has there been consideration to protect financial independence if some type of long-term care is needed, such as an extended nursing home stay? If these or other items are on one’s financial to-do list, start planning now to get them done next year. Time goes quickly – so don’t get left behind without having taken the steps to keep moving toward financial goals. Submitted by Edward Jones, Financial Advisor.
22ndCenturyMedia.com active aging 22nd century media | October 17, 2019 | 3 Purposeful living at Clarendale of Mokena The new community on Wolf Road just south of Route 30 has undergone significant changes since its opening in October of 2015. Pre-opening, there were 90 depositors waiting for the finishing touches for the community to be complete. The residents who decided to move after just reviewing blueprints were not disappointed with any of the final selections made by Life Care Services. LCS is both management and owner of Clarendale Senior Living, and Mokena’s location is first of 12 locations nationwide. Offering Independent, Assisted Living and Memory Care, the intentionally planned community gave local residents a chance for residential senior living as a rental option. Condo-style apartments, underground parking and a Pub reiterated the philosophy that “community living enriches life; it doesn’t detract or limit you.” The philosophy is consistent for those needing care: independence is promoted, but additional support is offered to allow more carefree living and peace of mind with staffing and nurses available around the clock. Longevity and a longterm perspective has differentiated Life Care Services communities in their dedication and passion to serving seniors for 50 years. While Clarendale of Mokena has seen new faces, including recent changes of the leadership team and Executive Director, Tricia Stoudt, many familiar “founders” are still present. Those people include Jimmy Johns, “The Face of Clarendale” as the Life Enrichment Transportation Specialist, marketing directors Bridget Fogarty and Kathryn Dietrich, and residents like Marie Chopard. Chopard has called Clarendale of Mokena “home” for the last four years and has participated in 333 round trips on Jimmy’s green Clarendale bus. “I moved in, and it didn’t take me long to fall in love with the place,” Chopard said. “…The food is very good. The people here are wonderful. There’s always something going on, there are things for us to do, play cards and so forth. You’re not lacking anything here. If you are it’s your fault. I just love it.” Residents like Chopard have opportunities for personal appointments and off-site activities such as Starved Rock Boat Tour or local restaurant outings. The mission and signature programs of Life Care Services incorporated at Clarendale of Mokena creates distinction among facilities providing Assisted Living Memory Care. At Clarendale of Mokena, many residents stay through hospice and end of life care in their [private] apartment without transitioning to cost and environment of skilled nursing. Ken Gignac chose Clarendale for that reason. “I never realized how little I rested and run-down I was from being her caregiver,” Gignac said. “But when she came to Clarendale, I slept so soundly knowing she was getting the care she needed. I had put it off knowing she wanted to live at home with me, but the move was the best thing for both of us.” Clarendale of Mokena can be the start of a “new lease on life”, for the caregiver or the one needing care. Care-free living options and public events including educational lectures and monthly support groups are just a few ways Clarendale of Mokena supports seniors and families in the South Suburbs. Submitted by Clarendale of Mokena, 21536 Wolf Road, Mokena. For more information on purposed living, a list of upcoming calendar events or employment opportunities, visit ClarendaleOfMokena. com or call (815) 464-4418. Learn Social Ballroom Dancing PRIVATE &GROUP CLASSES •WEDDING PROGRAMS •FUN FILLED EVENTS You’re Invited to Experience Clarendale of Mokena in Some Upcoming Events! Saturday, November 2nd 10:30 – 12 A Practical Guide to Understanding Veteran’s (and Spouses) Federal Pension Benefits presented by VA Accredited Attorney Barry Bergstrom. RSVP by 11/1 Saturday, November 9th 10:30 – 12 Assisted Living and Memory Care, What’s the Difference and How do you Know? Followed by a Tour and Take Home a Pumpkin Pie! RSVP by 11/7 Enjoy the Benefits of Dancing Exercise in aFriendly Environment Enjoy Social interaction Relieve Stress Succeed with our Unique System of Teaching Developed by Fred Astaire Himself Taught by our Certified Instructors Guaranteed to Make your Learning Rewarding INTRODUCTORYOFFER OF 2SESSIONS FOR $40 708-478-5722 mokena@fredastaire.com INDEPENDENT LIVING | ASSISTED LIVING | MEMORY CARE em info@ClarendaleOfMokena.com web ClarendaleOfMokena.com (815) 464-4418 21536 South Wolf Road | Mokena, Illinois 60448 Managed by
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