A Special Supplement to
© ADOBE S
Page 2 • Senior Living
SENIOR LIVING | DOING GOOD
Giving back to the community
WITHOUT a regular
job to go to, many
themselves with lots of time to
volunteer in their community.
Many community organizations
need volunteers who are
available during working hours
or who have the flexibility to
Volunteer as a tour guide or
docent at a museum, landmark,
botanical garden or historical
site. There may also be behindthe
scenes work for people with
a passion but who don’t want
that much time with people.
Meals on Wheels is frequently
looking for volun-
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travel for days or weeks at a
time. How Stuff Works had a
number of suggestions for best
ways for seniors to give back.
Being a foster grandparent
or working with young people
in some other way is a lowimpact,
that is available in almost every
community in the U.S. The
Senior Corps Foster Grandparent
program connects people 55
and older with children in Head
Start programs, area schools
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and other youth groups. You can
also try Big Brothers Big Sisters,
children’s hospitals, the school
district and more. This also
provides a sense of community
for senior residents who live far
away from their own families.
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larly social people; many of the
elderly people who are recipients
of meals don’t get as many visitors
as they would like, and, in
addition to dropping off meals,
drivers have the chance to visit
with residents. Meals on Wheels
is available in all 50 states and
has more than 1.5 million volunteers,
many of them retirees,
delivering meals to more than 1
million seniors each day.
Want something a little
out of the box? Habitat for
Humanity offers opportunities
to help build houses. These
opportunities can be in your
neighborhood, but Habitat also
has retired and semi-retired
volunteers who go to disaster
about 6,000 volunteers who, as
their name suggests, drive RVs
to participate in different homebuilding
Retirees are frequently a good
fit for a variety of disaster relief
efforts, particularly those with
special skills, such as doctors,
nurses, EMTs, pharmacists, language
interpreters, lawyers and
even chaplains and fundraisers.
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Senior Living • Page 3
SENIOR LIVING | DOMESTIC MATTERS
Upkeep or downsize?
RETIREMENT opens up a range of options for housing.
Some people choose to stay in the homes in which
they raised their families, keeping space for visiting family, enjoying
a big backyard and staying close to their pre-retirement
lifestyle. Others sell their house and move somewhere smaller,
possibly even a condo or townhouse, reducing the need for
yardwork, or they choose to relocate somewhere else — closer
to family or to a more temperate climate. At some point, people
may opt for a senior living community. The decision is different
for each retiring person or couple depending on their wants,
needs and financial situations.
Forbes suggested making the decision with two factors in
mind: quality of life and financial reasons. Although more than
80 percent of Americans say that would prefer to stay in their
homes through retirement, it may not be the best choice longterm.
Can you afford to keep your home? That includes a mortgage
payment, insurance and upkeep. Even if you can make those
payments, leveraging the equity in your home for a less expensive
housing option may allow you more financial freedom
in retirement. According to a 2015 Merrill Lynch study, most
Americans of retirement age have more than $200,000 in equity
in their homes but less than half of that in retirement savings.
Can you afford to move? A smaller home doesn’t always
lower your expenses — you may want to live somewhere with a
higher cost of living, or you look at a smaller but nicer home or
an area with more amenities. Consider the differences you’ll see
in finances. Additionally, moving itself is expensive.
Quality of life considerations
Many people want to travel when they retire or otherwise
have more freedom. If this is you, selling your house and renting
a home or apartment may allow for that lifestyle. Even if
you don’t plan to roam, you may want less responsibility for
maintenance and upkeep, which can be achieved either through
renting or buying a property in a neighborhood with an involved
Also consider whether you want to stay. Perhaps your friends
and family are all in this community, you’ve joined organizations
and have roots that you want to keep. Or you may find
yourself in a school district with high property taxes that made
sense when kids were in school but no longer do now that
you’re empty nesters.
Page 4 • Senior Living
SENIOR LIVING | YOUR HEALTH
Studies show that more
than 90 percent of
physical ailments are
caused or exacerbated
Mental and emotional health
MENTAL and emotional issues also can bleed into
the body, with depression and isolation contributing
to physical pain and a lowered immune
According to Dartmouth-Hitchcock, people 65 and older
need to be extra careful to stay sharp and take care of themselves
as they move into retirement.
Keeping your brain in good shape
One in eight people 65 years and older has Alzheimer’s
disease, and that number gets bigger with other forms of
dementia. We’ve all heard about the need to do crossword
puzzles to keep your mental faculties intact, and studies
have shown that, while some cognitive decline is normal as
you age, working in cognitive stimulation like word or logic
puzzles, trivia games, reading books and other activities that
stretch your brain can help with mental acuity.
Want something a little more active? Take a dance class
that requires you to learn new steps, learn a new language (or
remind yourself of one you used to know), go to lectures or
the local museum, learn an instrument or join a choir.
Working on your relationships
Retirement can be isolating. Many adults spend most of
their working lives going to the office and building relationships
with coworkers. Not seeing friends as frequently and
even not having the routine of getting up and ready and going
to the office can be isolating. The death of a spouse or retired
friends relocating somewhere warmer or closer to family can
also cause isolation. Losing these relationships can contribute
Combating isolation often means a concerted effort to
cultivate relationships. About a quarter of retired adults live
alone, which requires even more effort. Set up a regular call
with children, grandchildren, siblings and friends who live
out of town. Meet for lunch, dinner or coffee; find other
retired friends who want to travel and take trips together;
invite people over for dinner; and join groups for people with
According to Dartmouth-Hitchcock, stress may become
more of a health factor as we age. Long-term stress can damage
your brain and lead to depression, memory loss, fatigue
and a lowered immune system. Learn what your stressors are
and do what you can to avoid or mitigate the effects of stress,
then find healthy ways to handle it — yoga, exercise, therapy,
journaling or meditation.
Senior Living • Page 5
SENIOR LIVING | YOUR HEALTH
Healthy choices are
just as important
they are in
THAT doesn’t make it easy all the time, though. Exercise,
sleep, healthy eating and regular visits to the doctor can
often be more complicated as your body ages. Dartmouth-
Hitchcock offered tips to stay healthy so you can fully enjoy retirement.
Eat healthy foods
Talk to your doctor about how many calories are good for you
and make sure you’re sticking within a good range. But developing
healthy eating habits is about more than calories. Pay attention to
sodium, cholesterol and other ingredients on the label. Studies show
most Americans eat twice as much sodium as the recommended daily
amount, which can lead to hypertension and heart disease. Eat whole
foods like fruits, vegetables, whole grains like wheat bread and pasta,
brown rice, while minimizing fast food and highly processed foods.
Get plenty of sleep
Your body may not be growing like a teenager’s, but older adults
still need seven to nine hours of sleep a night (perhaps with a nap
thrown in since afternoons are free). Not getting enough sleep can
lead to depression, irritability and memory problems and just make
your day-to-day functioning more difficult. Get into good sleep habits
such as going to bed and getting up at roughly the same time each
day, and keep your bedroom screen-free — no taking your laptop to
bed! Avoid caffeine late in the day.
Keep your vaccines up to date, including the annual flu vaccine;
flu tends to be much more dangerous for older patients. Be aware
of fall risks around your home and take precautions to reduce those
risks. See an eye doctor regularly and keep glasses and contacts up to
date, which will make getting around your house and neighborhood
more safely. Talk to your doctor about vitamins or supplements like
calcium or vitamin D.
Find what works for you and do it regularly. You don’t have to
be the 90-year-old running a marathon; a brisk walk around your
neighborhood or a low-impact class at the gym work just as well.
Weight lifting, cycling, yoga and hiking all are good ways to stay
fit. If you’re not sure, talk to your doctor or a trainer about a good
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Page 6 • Senior Living
SENIOR LIVING | RELAX
Taking time to travel
days — time to take
all those trips you couldn’t fit
into your few weeks of annual
vacation during your working
life, energy for day and weekend
trips to explore your own region
that always seemed like too much
after working 40 hours.
While there are plenty of trips
that are fun for any traveler, senior
citizens have additional options to
see the world.
Find a senior
longer excursions to Central and
South America, Europe, Africa
and more. These programs allow
you to sign up for the trips you
want to take, browsing through
different adventure options like
train travel, hiking, sea trips and
more, and they do the planning
Traveling by yourself? There
are tour groups that cater to
single senior citizens as well.
www.holcomb.bank AARP and other organizations
for senior citizens offer
ElderTreks and Road Scholar travel discounts on flights,
offer adventures of all kinds for hotels, rental cars, cruises and
senior citizens, including short “TRAVELING– tours. Check it leaves out what you options
and inexpensive trips to places speechless, are available. then turns you Often into insurance a
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offer discounts as well, so find
the best deal you can. When you
go to museums and other sights,
ask about a senior discount.
You also can get deal on some
train tickets throughout Europe,
according to Rick Steves; ask at
the train station what discounts
Even without special deals, retirees
have the advantage of more
open schedule. Rick Steves suggests
traveling during shoulder
season (April-May, September-
October), when prices are lower
because it’s not peak season, but
the weather is still fairly good.
Get a national
Seniors can get a lifetime
National Parks pass for $80,
allowing entry into all the national
parks and monuments
throughout the country.
For the outdoorsy types, this
is an inexpensive way to spend
a day or a weekend hiking or
camping. Even the less outdoorsy
types can find easy hikes
or beautiful drives through some
of the country’s most pristine,
gorgeous landscapes, including
the red rocks of Zion National
Park, the geysers of Yellowstone
or the green, rolling hills of
Shenandoah National Park.
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Senior Living • Page 7
SENIOR LIVING | CAREER
Retirement is a great opportunity
to travel, learn, read, rest and
spend time with your family. The
last thing you want to think about
is going back to work.
However, many retirees find
themselves heading back into the
workforce out of a desire for more
career challenges, a way to fill time
or a need for money or health insurance
Going back to work
AS you’re thinking about returning to the workforce
for full- or part-time work, consider several
questions. Health insurance may be a big factor,
according to New Retirement. People who retire before age
65, when Medicare kicks in for all Americans, may find
insurance and other out-of-pocket costs eating into their
retirement savings, so getting a job that provides health insurance
can be the most financially sound option. There are
some part-time jobs that offer health insurance, so consider
those options as you’re looking at a return to the workforce.
Other people find they have not saved enough money for
retirement and need the salary. Determine how much additional
money you need each month to determine if you need
full- or part-time work. It’s also a good idea to talk to your
financial planner to see if you’ll face any tax implications.
In addition to your planner, talk to the Social Security
Administration in your area. According to New Retirement,
Social Security income could be reduced if you go back to
work, depending on what age you were when you retired.
Full retirement age is 67 for people born 1960 or later, and
if you retire before 67, you will receive less money from
Social Security each month. If you retire and go to back
to work before you reach 67 (or the full retirement age,
which may be younger for those born before 1960), Social
Security deducts a dollar in benefits for every $2 you earn
above the annual limit, though this is not a permanent
Finally, if you have a pension, it could be affected if
you go back to work for the same company or organization
that you worked during your career. Often, companies will
suspend benefits when you get back on their payroll, so
check with the company so you don’t get an unpleasant surprise
your first month. Your pension shouldn’t be unaffected
if you work somewhere new.
Page 8 • Senior Living
SENIOR LIVING | MEDICAL DEVICES
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.
Hearing better for a happier life
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.
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
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 hightech
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.
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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 lisetening device
In addition to a hearing aid, 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
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Senior Living • Page 9
SENIOR LIVING | STAYING FIT
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.
Smoking tobacco can cause cancer, stroke and heart failure. It
also affects your skin by causing excessive wrinkling weakening
If you’re having difficulty quitting cold turkey, try cutting back
with the aid of nicotine gum or patches.
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.
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
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.
Analyze your home for fall risks and eliminate them. Things
such as loose carpets or rugs, cluttered walkways and unlit hall-
ways 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
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
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.
Page 10 • Senior Living
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Senior Living • Page 11
SENIOR LIVING | HEALTH BASICS
The importance of good sleep
AS we age, our bodies
produce less melatonin,
which can lead
to slight disruptions throughout
However, if you experience
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
Problems with sleep can
lead to numerous issues for
older adults. Here are a few of
the most common types they
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
Sleep apnea: a condition
that may cause seniors to stop
breathing during sleep. A lack
of oxygen causes some to
A good night’s sleep
affects much more
than how you feel
the next day. With
age, it’s not uncommon
for sleep habits
Most seniors notice
they are ready to fall
asleep earlier in the
evening and wake
up at later hours.
wake up gasping for air. This
condition may lead to diseases
such as high blood pressure and
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
• Avoid caffeine, tobacco
and alcohol in the later part of
• Eat smaller portions before
• Follow a strict sleep schedule
and routine; and
• Exercise regularly, especially
early in the day.
Reach out for
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-behavior-
medical management or
sometimes prescription medicine
to help you get a better
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Page 12 • Senior Living
SENIOR LIVING | DISEASE PREVENTION
THE Skin Cancer Foundation
reports the odds of developing
skin cancer rise as you
In fact, about 50 percent of Americans
who live to age 65 will have
experienced at least one type of skin
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
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
The most important thing to do
to lessen the risk of skin cancer is to
avoid staying out in the sun. When
going out- doors, 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 sun- screen
after every few hours if you will be
outside for long durations.
If you find yourself diagnosed with
skin cancer, a specialist may offer
different treatment methods based on
Sometimes surgical 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 chemo- therapy and
radiation to shrink or eliminate the
Senior Living • Page 13
SENIOR LIVING | TRAVEL
If you are retired or approaching retirement,
you may be planning to do your fair share
of traveling. Sometimes, flying seems like
too much of a chore to entertain, but driving
long distances can be just as difficult. Don’t
let your fear of being uncomfortable in flight
stop you from seeing the world.
HALF the struggle of flying occurs before you even enter
the plane. Navigating huge air- ports while hauling luggage
can take a toll on your body.
Before traveling, consider investing in suitcases with highquality
wheels to make walking more comfortable.
Check out these other helpful tips to enjoy your flight, from the
experts at Parent Giving.
Packing lightly for your flight will lessen the strain you feel
when boarding. Try to show up early so you have plenty of time
to check all your baggage before waiting in line. Only bring along
the necessities you will require while you’re in the air.
You should also wear comfortable clothing and shoes, since
you may expect to be standing in lines for long durations. Don’t
forget to request an aisle seat that provides easy access to the bathroom
and allows you to get up to stretch during a flight.
Remember to bring the medication your body needs to remain
healthy. It’s import- ant to receive a doctor’s note before
your flight as it may raise questions when you are going through
Without a note, you may experience delays or worse, have your
It’s also important to pre- pare an in-flight medication schedule,
especially when crossing multiple time zones. You will want to
make sure you stick to your body’s schedule, not what the clock
Sitting still for long periods of time can wreak havoc on our
comfort level. Pack noise-reduction headphones to make the environment
more suitable for a power nap or a peaceful experience to
enjoy a book.
Items to prevent becoming sore include compression stockings,
which can reduce the risk of blood clots if you are on an extremely
Plan for delays or reroutes by bringing a suitable selection of
food. This is especially important if you suffer from a disease like
diabetes or eating is required after taking certain medications.
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Page 14 • Senior Living
SENIOR LIVING | TRAVEL
Vacation with grandchildren
TAKING your grandchildren with you on a vacation is a
wholesome experience for the entire family. Whether it’s
a cruise, camping trip or visiting an amusement park, the
journey will help build the bond you have.
Plan to bring the little ones along for the adventure of your lives.
If you haven’t spent an extended time alone with your grandchildren,
a trial run before you invest in an expensive trip is important.
Talk with their parents about any nighttime issues their children
may have, such as nightmares, trouble sleeping or incontinence.
While remaining close to home, invite them over for an overnight
or weekend visit.
If all goes well, plan your trip but don’t forget to listen for the
kiddos’ input. This vacation is just as much for them. Here are
some other considerations you should make before leaving for
Follow mom and dad's rules
While you may not be familiar with asking your children for
permission, it’s respectful to ensure you are following wishes
regarding their kids.
Ask about any special instructions they have about their
behavior and how to resolve it. For instance, if a child talks back
or tries to act out, you should know how to keep punishments consistent.
It’s important to have your grandchildren’s respect so they
don’t test their limits and bring this misbehavior home.
Where will you go?
Consider talking with a local travel agent to find a combination
tour tailored to grandparents and their grandchildren. These specialized
trips will give the entire group a chance to socialize with peers
of the same age from all over the world.
Booking a rental property nearby favorite tourist locations is
another good idea. These condos are usually less expensive than
staying at hotels for a few nights, plus they offer enough room to
give everyone their own space.
Camping is another experience to share with your grandchildren.
You can teach them the value of nature and show them useful skills
such as fire building, outdoor cooking and fishing.
What should you bring?
In addition to luggage and supplies you’ll need for your vacation,
you also should bring a few special documents along. Get notarized
letters from the parents giving their permission for you to travel with
the children and one giving permission for you to make decisions
about medical care. You’ll also want copies of the children’s medical
and dental insurance cards.
Hopefully these forms will stay in your suitcase, but it’s best to
be prepared for issues.
Senior Living • Page 15
SENIOR LIVING | SELF IMPROVEMENT
Continuing to learn
YOU’RE never too old to learn a new skill, take up
a new hobby or even go back to school. Not having
a full-time job opens up your schedule and your
energy level to try something you’ve always wanted to learn.
It’s also a great way to keep your brain active and engaged.
Sign up for a class at
your local college
If you live near a community college or university, see
what classes are available to take for non-degree-seeking
students. Some colleges have community-oriented classes
with a variety of skills, but retirement is also a great opportunity
to take classes you didn’t have time to in college. Sign
up for world history or anthropology courses or take a voice
or music class.
Or, if you’re ready for a major commitment, go back to
school full-time to earn that second bachelor’s degree or sign
up for a graduate program.
Read all the books you can
Now’s your chance to knock out “War and Peace” or that
series you’ve had on your shelf for years. Retirement provides
a great opportunity to spend time reading. You can
join (or start) a book club and explore different genres and
authors. Check out your library for reading groups or lists.
You can also find a group of students to read to.
Find a new hobby
Go to your local senior center and learn a new dance,
take a cooking class or break out an old camera and go to a
photography class. Cities and towns of all sizes have these
gathering places, and in addition to learning something new,
they provide great opportunities to meet new people and find
people with similar interests to yours.
If you can’t go to a senior center or yours doesn’t offer
the classes you want, check out online options. Many groups,
including major universities throughout the world, offer online
courses; there also are companies that offer classes from
the best of the best, including acting from Oscar winners,
photography from professional photographers, cooking from
the best chefs in the world and more.
Alternatively, volunteer to teach a class at your local senior
center, start a quilting or hiking club.
Page 16 • Senior Living
Achieve a more
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