111314 fp boomers

FARRAGUTPRESS THURSDAY, NOVEMBER 13, 2014 • 1C

■ ALAN [email protected]

Unable to get “American televi-sion” in Waterloo, Belgium, justoutside of Brussels in 1975, BobCorby and his family desperatelysought an entertainment solution.

“We got fantastic TV, we got itwith no commercials, and we gotit in Dutch, German and French— no English,” said Corby, thenvice president of finance withContinental Can Company sta-tioned in Belgium for what wouldbecome seven years (1975-1982)with his wife, Nancy, and theirthree children ages 4 to 12,Robert, Heath and Janel.

With that language barrier,Corby, now 72, said his entertain-

Alan Sloan

Bob Corby surrounds himself with a vast collection of moviesand television series, spanning several decades, in his ParkviewSenior Living Community apartment.

Entertainment valueCorby’s 4,000 plus

collection still growing

Weigh pros and cons whenchoosing Medicare plans

■ LINDA TIRBANCorrespondant

Medicare, a federal healthcare program, has been provid-ing health insurance almost 50years to people age 65 and older,regardless of income or medicalhistory. Over time changes havebeen made and benefits expand-ed to include younger peoplewho have permanent disabilitiesand receive Social SecurityDisability Insurance payments;including those with amyotroph-ic lateral sclerosis and thosewho have end-stage renal dis-ease. For those who qualify, aMedicare program allowing cov-erage for almost all prescribedmedications is available alongwith hospital benefits and hos-pice.

If you’re turning 65 you’ll need

to know about Medicare and insome cases Medicaid. It’s over-whelming, mind-boggling andjust plain confusing. And, if youare already a participant in theprogram there are a few changesfor 2015 you will probably wantto know about.

Usually changes in the pro-grams occur at the beginning ofthe new year. Eligible partici-pants receive an annual publica-tion, Medicare and You, whichexplains Medicare, its plans andchanges that may be takingplace. It’s usually distributed inOctober by the Department ofHealth and Human Services andCenters for Medicare & MedicaidServices. It’s also available atMedicare .gov/publ icat ionswhere the version preferred can

■ ALAN [email protected]

Frank Galbraith is really wellrounded, from traveling aroundthe world to share his Christianfaith to roundly defeating bad-minton opponents and winning atthe highest level.

None of that has changed at age73 for this former Farragut MiddleSchool social studies teacher of 36years (40 total years teaching),who also rounds into form as anentertainer — a singer/keyboardplayer who partners up and regu-larly draws big crowds — a histo-ry lecturer and avid exercise buff.

On top of it all, “I really believein stopping and smelling theroses,” Galbraith, a Farragut resi-dent and 1959 FHS graduate, saidwhile “sitting here and looking atthese beautiful trees out here onthe deck, and the colors.

“Take time to appreciate the lit-tle things.”

Knee replacement surgery, onhis right knee, in 2012 didn’t stopGalbraith from bouncing back intop badminton form.

Alongside his equally talented,and younger, playing partner RodSutch, the pair went to Clevelandin 2013 and captured the SeniorOlympic Games gold medal, bestnationally among all badmintonmales doubles teams ages 60-64

(Galbraith is required to play inSutch’s younger age range).

“We were able to roll rightthrough there,” Galbraith said,adding about his new right knee,“I didn’t even use a brace. It didn’tbother me one bit.”

So why should things change in2015, despite Galbraith havingknee replacement surgery on hisleft knee in July, when the bad-minton pair will defend theirnational title in Minneapolis nextJuly?

While continuing to work out tostay in shape, “I will begin playingagain, hopefully, in January,” saidGalbraith, who also has won statebadminton singles titles and sev-eral doubles state titles withSutch. “I’m right on schedulehere.”

A former track athlete at FHS,Union College (Kentucky) andEast Tennessee State University,Galbraith also was a Senior Gamestrack and field state champion inhis early 50s.

Giving advice to other seniorsfacing knee replacement surgery,“I had a goal. I think if we have agoal, something we point toward,then that allows me to be veryconsistent in my workouts tomake sure I do all the workouts,”Galbraith said. “… I have theshort-term goal, which would beplaying badminton once or twice a

week. “Be consistent in your work-

outs, continue it,” he added. “…When you get my age, working outis like therapy for me. I mean, Ijust love it. I do it three times aweek.

“I’ve been doing this for over 50years.”

Galbraith also advocated build-ing “camaraderie” among thosewho are working out around you.“When you go to the gym you kindof develop a workout family,” hesaid.

Pushing yourself to go andworkout “on days you’re not feel-ing good,” what Galbraith calls his“maintenance days,” usually paysoff immediately “because you justfeel better afterwards.”

While emphasizing he’s neithera fitness nor a nutrition expert,Galbraith said about diet tips, “Itry to eat smaller meals and eatmore frequently.”

Beyond and above fitness andathletics, Galbraith said his firstduty is his Christian faith.

Spreading that faith has sentGalbraith worldwide for morethan 20 years — from Russia,Latvia and Romania to Mexico,Ecuador and Costa Rica — oftenalongside friend, Fred Mynatt Jr.

In late October and earlyNovember, he and Mynatt madetheir annual visit to Costa Rica —

Photo submitted

Frank Galbraith, right, and Senior Games badminton partner RodSutch take a break prior to a 2009 competition.

Still going strongAt 73, Galbraith emphasizes faith, fitness, staying busy

Galbraith’s 12th visit there — “Todo a program called the ‘YoungEarth Seminar,’” he said about

this pro-Creation, anti-evolution

ment solution came thanks to a“business trip” back to the UnitedStates in 1975.

Almost 40 years later, Corby’scollection of television series andmovies has grown to “between4,000 and 5,000,” in his apartment

at Parkview Senior LivingCommunity in Farragut.

“One of the guys I worked close-ly with back in Stanford, Conn. …said, ‘What about a videotape … a

See CORBY on Page 6CSee MEDICARE on Page 4C

See GALBRAITH on Page 6C

2C • FARRAGUTPRESS THURSDAY, NOVEMBER 13, 2014 BOOMERS & BEYOND

Do what you really want for a living Math-minded financial advisor lays blueprint for rethinking your earning and distribution yearsWhat does it take to be comfortable

during retirement? Conventional wis-dom calls it the 4 percent rule – with-drawing about that amount from yournest egg each year to live comfortably.And, for that, millions of Americansbelieve they need to stick to a job theydon’t like during their earning years.

“Unfortunately, the kind of moneyretirees want to spend each year for acomfortable lifestyle tends to be about$60,000, which means someone’s nestegg would have to be $1.5 million forthat rate of withdrawal to sustain for 25years,” says financial advisor DaveLopez, a mathematics and computer sci-ence major who applies his analyticalmind to solving retirement challenges.

“Of course, there are additionalsources of income during retirement,such as social security, but the programmay not survive the coming decades.And, there are additional costs of retire-ment, including legacy interests and thelikelihood of needing long-term medicalcare.”

The fact is that millions of retireessimply do not have or will not have thekind of income they’d like to have duringretirement. Lopez discusses an alterna-tive approach to the golden, or distribu-tion years.

• Remember, Social Security is awelfare program.

Before President Roosevelt signed theSocial Security Act in 1935, seniorsworked. America was an agrarian cul-ture, and many who were in their 60sand 70s usually continued duties on thefamily farm, albeit handling lightertasks. Social Security is essentially aSocialist idea. A response to the GreatDepression, its purpose was to move outolder workers in favor of employingyounger Americans, but times havechanged.

• You don’t have to remain stuck inyour “earning” job.

“The U.S. government is the biggest

employer in the world, and I work withmany of its employees,” he says. “Theyusually have high-stress jobs and usuallywant to retire as early as possible and,while leaning on their pension, startworking on their own terms as govern-ment contractors.”

• Consider retiring early and work-ing the job you’ve always wanted.

The model frequently followed byretired government workers can bereplicated by millions of other retirees.You don’t need a $1.5 million nest eggwhen you combine Social Security with asmaller withdrawal amount and a funjob earning $20,000 a year. Retirees canbe creative in how they earn this “funmoney.”

“Let’s say your passion is water skiing– why not parlay this hobby into acareer?” Lopez says. “You’ll likely havedecades of experience and plenty of con-tacts. You might work for a ski shop orcreate a small business giving lessons.Doing something you love is a great wayto stay active as an older person.”

• No pension? – Create your own. The days of working 30 years for a sin-

gle company and collecting a sizeablepension are mostly over. This meansretirees need to get creative and rely onother sources of income, including IRAsand strategies for annuities – effectivelycreating their own “pension.” Annuitiesare contracts with insurance companies.The contracts, which can be funded witheither a lump sum or through regularpayments, are designed as financialvehicles for retirement purposes. Themoney used to fund the contract growstax-deferred. Unlike other tax advan-taged retirement programs, there are nocontribution limits on annuities.

“Annuities provide plenty of opportu-nity,” he says. “Of course, creativeoptions also yield the risk of complexity.You’ll want to be sure to know whatyou’re doing, or at least consult with anaccredited professional.”

• Consider lifestyle changes. Through the distribution years, you

should consider moving to a place wherethe cost of living is cheaper than majormetropolitan areas. Simply put, you’llwant your money to go further. Take aplay from younger folks who are cutting

their cable in favor of only Wi-Fi access.Learn how to cook delicious meals on abudget. For many, learning how to makeone’s money work better for them,rather than working for their money, is apreferable lifestyle.

P rofile

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FARRAGUTPRESS THURSDAY, NOVEMBER 13, 2014 • 3CBOOMERS & BEYOND

Farragut HearingAids & AudiologyHave you had yourhearing tested?Hearing loss is one of the most common healthproblem in America today, and it is simple tomanage and treat when it is identified early.

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be downloaded. It gives the reader impor-tant contact information for questionsoften asked that may need clarificationsuch as the costs for different parts of theprogram.

Medicare offers plans that serve variedneeds. Part A is hospital insurance thathelps cover inpatient care in hospitals,skilled nursing facility care, hospice care,and home health care. Generally monthlypremiums aren’t paid for Part A coverage ifyou or your spouse paid Medicare taxeswhile working. This is sometimes referredto as premium-free Part A. However, it may be possible to buy Part A and pay apremium.

Part B helps cover physician services andother health care providers, outpatientcare, home health care, some preventativeservices and durable medical equipment.Usually most people pay the standardmonthly premium for Part B. Some peoplealso get Medical Supplement Insurancefrom an independent company, referred toas a Medigap policy, which fills the gaps inoriginal Medicare coverage.

Part C, Medicare Advantage, includes allbenefits and services covered under PartsA and B and generally Part D, which isMedicare prescription drug coverage. Theplan is operated by private insurancecompanies approved by Medicare. It couldinclude extra benefits and services for anadded cost. Part D which helps fund thecost of prescription drugs may assist in low-ering prescription costs and help protectagainst increases in the future. Part D alsois operated by independent insurance com-panies that are Medicare approved.

Medicaid is a joint federal and state pro-gram that can assist some people who havelimited income and resources with theirmedical expenses. It could cover servicesnot ordinarily covered by Medicare such aspersonal care services or long term aid.

Amelia Cortwell, Certified Elder LawAttorney with Elder Law of East Tennesseein Knoxville, said some individuals are eli-gible for both Medicare and Medicaid andare called “dual eligibles.” They haveMedicare and full Medicaid coverage andmost of their health care costs arelikely covered. In Knox County theTennessee Health Connection can be con-

tacted at 865-247-7045 for information regarding qualifications or application pro-cedures, or visit the website: healthconnec-tamerica.com.

According to Cortwell, hospital admis-sions will be the hot topic in 2015. “It’s veryimportant for people to know that hospitaladmissions are going to be harder to get,”she said.

As an example, if your grandmother wereto fall, break her arm and go to the emer-gency room she would be under observa-tion status. It is important to press foradmission because if she isn’t formallyadmitted into the hospital under the three-day hospital stay rule, which triggersMedicare benefits, grandma loses inpatientskilled-care benefits in rehab.

“Advantage Plan is terrific for healthyseniors but not for those who see doctors alot or need skilled long term care in a rehabfacility,” Cortwell said. In some casesinsurers don’t allow as much coverage asparticipants would like. Seniors on theAdvantage Plan can convert to TraditionalMedicare coverage but may not be able toget an affordable supplemental insuranceplan due to cost or a pre-existing condition.Traditional covers 80 percent while supple-ments cover 20 percent and some co-pays.Participants can change plans during theyear when moving, hospitalized and atopen enrollment

Yvonne Marsh, CPA, Marsh ProfessionalGroup, a financial advisory firm in Kno-xville, said 2015 Medicare Part B premiumand deductible costs are unchanged, butother costs have increased slightly. Individ-uals can visit Medicare.gov to find out whatthe changes are. Marsh advises seniors tolook at their budget and their overallhealth to consider the pros and cons of allthe plans and which would work best forthem before making a selection.

“As a CPA I wish I could say this plan [orthat plan] is the best, but there are somany variables,” Marsh said. “Seniors needto look at the big picture. Do they doMedicare Sup-plement and Part D pre-scription or Medicare Advantage that rollsall that together? My advice is to look at thewhole picture of the total cost, not just themonthly premiums.”

Marsh said although Advantage Plan pre-miums are very attractive and low in costthere are co-pay and other out-of-pocketrequirements. The total cost should be con-

sidered when comparing options. “Peoplesee the Advantage Plan low rates but maynot realize they still have to pay the month-ly Part B premium.”

Other Medicare supplement plans areavailable through private insurance compa-nies. “Plan F, the Cadillac Plan, is the mostcomprehensive plan. It has a higher premi-um, but it covers everything that aMedicare supplement plan will cover.Other popular options in the Knoxville mar-ket are Plans G and N. We help clientsweigh their options.” Marsh added.

For more information, visit Medicare.gov,

or call 1-800-633-4227. TTY users shouldcall 1-877-486-2048. For payment assis-tance on health care and prescription drugcosts if you have a limited income andresources, visit socialsecurity.gov or callSocial Security at 1-800-772-1213, or visittennessee.gov/humanserv for adult servicesinformation. Other sources for Medicareinformation are The Center for MedicareAdvocacy at www.medicareadvocacy.organd The Keiser Family Foundation atkff.org/medicare and kff.org/medicaid.

MedicareFrom page 1C

P rofile

Farragut ENT & Allergy

Farragut Hearing Aids & Audiology isa full service hearing practice based inFarragut, TN with office locations inDowell Springs, Newport, Sevierville,and Sweetwater. Farragut Hearing Aids& Audiology is Knoxville’s only medicalfacility providing Lyric, the world’s firstand only extended wear hearing aid,which can be worn 24 hours a day formonths at a time. In partnership withFarragut ENT & Allergy, it is the onlyphysician-directed hearing center locat-ed in Farragut. With access to all majorhearing aid manufacturers through theElite Hearing Network, FarragutHearing Aids & Audiology can find the

solution that is right for each individual.The staff at Farragut Hearing Aids &Audiology consist of both Audiologistsand Medical Doctors to define theappropriate care plan just for you.

Hearing loss is among the most com-mon health problems in America today,particularly among seniors. With properhearing healthcare, hearing loss does nothave to affect your quality of life. Hearingtechnology has advanced by leaps andbounds in recent years, and some of thebenefits of hearing healthcare caninclude: better hearing, lower stress,improved productivity, and enhancedcommunication and relationships.

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We have the only FDA approved balance gaming system. This system,Jintronix, uses motion capture technology with residents as they play inter-active games that are displayed on a 55 inch flat screen TV. Jintronixdesigns programs for each resident, leveraging the addictiveness of videogames to help residents complete their exercise protocol in the most funand simple way possible.

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GETTING YOU HOME


VHS system?’” Corby recalled. Versus whatwas then Sony Betamax, “’VHS quality isn’tas good as Sony, but they have lots of moviesand they are [less] than half the price. Andyou can buy blanks and record what youwant.’”

After seeing a VHS unit in a store “for$212” including “I believe a dozen blankvideos,” Corby collection would soon begin.

Though thinking the blanks would do himno good in Belgium, Corby said his businessfriend was willing to help. “’Give them to me… anything my kids are watching I’ll recordand give you the tape’” when returning to theUnited States on Corby’s next business trip.

Also buying “five or six pre-programmedmovies,” Corby headed back to Belgium.

“I guess it took about six months, weended up with a small video club. …Eventually there were six families that allgot to know each other,” Corby said. “And weall had different tapes so we traded them.

“We’d been at it probably two years. I wasflying back [to Connecticut] I’d say twice aquarter[year]. “Every time I went round tripI came back with other movies.”

After one year into the family’s collection,“We had about 50,” Corby said. By the timehis family left Belgium in 1982, “We hadabout 3,000.”

American television would soon become areality for Corby in Belgium after visiting aU.S. Army base where his son was playinghigh school football.

On the base, Corby said he noticed mosthouses had TV antennas. “’If it’s anAmerican base you can bet they’re gettingAmerican television,” he said.

In 1976, Corby said he found out the basehas its own “television system” that rebroad-casts a “24-hour tape of shows on two chan-nels” in the United States from the previousday “that are flown over every night.”

Erecting the necessary antenna, Corbyand his family soon enjoyed U.S. television.So his ability to collect would grow.

A native of Clifton, N.J. who has been aParkview Senior Living Community residentsince fall 2013, Corby said his favorite collec-tions include James Bond 007, the fourTitanic movies and MacGyver, an ABCNetwork crime-solving adventure show from1985 to 1992 plus “Documentaries, PBS,National Geographic.”

His collection does not include any for-eign films.

In addition to taping television shows andmovies, Corby said he’ll buy a new DVD andadd to his collection “about once a month.”His current collection is “about half VHS andhalf DVD,” Corby added.

Corby regularly shares his videos, whichare shown to residents in Parkview’s theater.

CorbyFrom page 1C

message. “… We just show what these sci-entists believe about that. We do it inchurches and schools and groups. … Thisprogram is a faith-builder for people whoare Christians. They see that the Bible iscorrect.

“The first day we were down there we didseven programs that day,” Galbraith added.

Tapping into his teaching experiencewhile loving U.S. history, Galbraith makesregular appearances in the Farragut areathroughout the late fall with his “Dec. 7,1941 - A Day of Infamy” lectures.

While also using slides, Galbraith reflectsvisually and verbally on the Japanese mili-tary attack at Pearl Harbor, Dec. 7, 1941,that sparked the United States entry intoWorld War II. His program goes back to “TheRoaring 20s” and gives a timeline of keyworldwide events leading up to PearlHarbor.

“I really believe we must never let whatour Americans did fade away. We don’t everwant to forget this,” Galbraith said. “I thinkit helps you as an American to have a senseof history and I want to tell people about it.”

His annual “Day of Infamy” appearancein Town Hall boardroom begins at 7 p.m.,Monday, Dec. 1. There is no charge toattend.

On a lighter, entertainment note, “I’malso a musician,” Galbraith said about“Frank and Jerry,” singing and playing thekeyboard alongside singing partner JerryThomas in the Farragut area. “In the lasttwo years, we’ve done 172 one-hour pro-grams, an Oldies thing. We do music fromthe 20s, 30s, 40s, 50s and 60s. We do it at allthese retirement places.

“We had no idea the people like it thismuch,” he added. “This music brings joy, notonly to everybody else, but to me also.”

Galbraith and wife, Cheryl, have four chil-dren, four grandchildren and three great-grandchildren.

GalbraithFrom page 1C

Photo submitted

Frank Galbraith with children at International Christian School, San Jose, CostaRica, earlier this fall taking a break from his “Young Earth Seminar,” a pro-Creation class Galbraith teaches as part of his Christian outreach.

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Strengthen your memory No one, regardless of age, is immune to

random bouts of memory loss. While mis-placed car keys or forgetting items on yourgrocery list are nothing to get worked upover, many men and women over 50 do startto worry about memory lapses, especiallywhen they start to occur with more fre-quency than they might have just a fewyears ago. But while memory loss might bequickly associated with aging, increasedforgetfulness is not an inevitable side effectof getting older, a fact that those at orapproaching retirement age should findcomforting.

When considering the relationshipbetween memory and aging, it's importantthat men and women recognize the distinc-tion between memory lapses and dementia,as the two are not one and the same. As aperson ages, his or her hippocampus, theregion of the brain involved in the forma-tion and retrieval of memories, often dete-riorates. This can affect how long it takes tolearn and recall information. But justbecause this process is slower does notmean it's a warning sign of dementia,which is the loss of certain mental func-tions, including memory. Though takinglonger to recall information can be frustrat-ing, many people still retain their ability torecall information. In addition, whiledementia brought on by conditions such asAlzheimer's disease or Parkinson's diseaseis untreatable, there are things men andwomen can do to strengthen their memo-ries and reduce their momentary lapses inmemory.

• Start playing games. Games that testthe mind have long been believed to bene-fit the brain, though some remain skepticalabout the true impact of brain games.However, a University of Iowa study fundedby the National Institute on Aging foundthat brain games may in fact pay numerousand long-term dividends. In the study, 681healthy volunteers over the age of 40 weredivided into four groups. One group played

computerized crossword puzzles, and threeother groups played a brain training videogame from Posit Science designed specifi-cally to enhance the speed and accuracy ofvisual processing. The volunteers showedless decline in visual processing as well asin other tests that measured concentration,memory and the ability to shift quicklybetween tasks, and the benefits from thetraining games lasted as long as sevenyears after training. Brain games are nowmore accessible than ever before, as play-ers can access such games on their smart-phones, tablets, ereaders, and computers.And in addition to being effective, thegames also provide entertainment value.

• Alter your routine. Many working pro-fessionals recognize that each day tends tohave its mundane moments. The brain cangrow accustomed to these moments, whichtend to be a routine part of the day. Butaltering your daily routine can jar the brainawake, forcing it to focus during thosetimes that had become mundane but nowpresent new challenges. Something as sim-ple as alternating driving routes to workfrom day to day or preparing some new, yethealthy, breakfast each morning can helpthe brain stay alert and sharp.

• Become a social butterfly.Maintaining a social life as you age is agreat way to keep in touch with friends andfamily. But there's another reason to con-tinue to be socially engaged. A 2008 studyspearheaded by the clinical trials adminis-trative director at Southern CaliforniaKaiser Permanente Medical Group andpublished in the American Journal ofPublic Health found that older women whomaintained large social networks were 26percent less likely to develop dementiathan women with smaller social networks.In addition, those who had daily contactwith friends and family cut their risk ofdementia by nearly half. The study also

Increased forgetfulness is not aninevitable side effect of getting older

See MEMORY on Page 10C

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How is a woman’s retirement planlike a smartphone?

Financial expert offers 3 tips for getting smart about retirement planningFinancial strategist Donna M. Phelan,

author of “Women, Money and Prosperity:A Sister’s Perspective on How to RetireWell,” (www.donnamphelan.com) relatesthe story of Wanda Strong – one of foursisters – one married, one widowed, onedivorced and one who never married.

Finding herself suddenly single withtwo kids to support and less than 15 yearsto retirement, Wanda had to make achoice: she could either succumb to thenumbing fear about her financial future,or she could embrace new strategies forprosperity. She chose the latter.

“Many women feel an unspoken fearabout money and retirement because theysense they are not prepared and don’tknow what to do about it,” says Phelan.“What’s worse – they don’t talk about it!”

Women may indeed be behind, due to alifetime of lower earnings, leaving theworkforce for childcare and eldercare,working in jobs that don’t offer retire-ment plans, and their own longevity,according to the US Census and SocialSecurity Administration.

Phelan provides “ahs” – awareness,hope and strategies: awareness ofwomen’s own financial situation, hopethat it’s never too late (or too early) tostart planning, and real life strategiesthat are easy and practical for women ofany age or current financial situation.

1. Create Stackable Income Streamsto Empower Retirement Security (SIS-TERS).

Women need to stack several incomestreams to cover their retirement spend-ing needs because one, such as SocialSecurity, may not be enough. And others,such as alimony, child support or a pri-mary earner’s income, may disappear.

2. Get as inspired to learn aboutmoney as you are about your new smart-phone!

“Women often say that they can’t under-

stand money concepts because they aretoo complex to learn,” Phelan says. “Butthey want to learn about their smart-phone -- by far, a much more complex,highly advanced piece of technology thatis constantly changing –- because theywant to stay in touch with their kids.”

“But think of the similarities betweenyour smartphone and money:

• Both have their own language.• Both give you tremendous options for

freedom.• Both have a broad range of applica-

tions.• Both take time and willingness to

learn.• Both can, at times, feel frustrating

and overwhelming.• Both are within your intelligence and

offer great potential rewards for master-ing them.

• Only one requires that you ask theadvice of someone embarrassinglyyounger than you how to use it!”

3. Join the conversation, start a SIS-TERS Club.

Wanda calls her 3 sisters and a fewfriends together to brainstorm new retire-ment strategies for stackable incomestreams.

They could:• Meet with a financial advisor and

develop a written plan.• Learn how to create income from

investments.• Embrace non-traditional living

arrangements, such as renting out emptybedrooms, or getting a roommate.

• Consider working a little longer, orpart-time in retirement.

• Start a business.• Pool their talents, ideas and

resources.A SISTERS Club, like a book club, is a

safe environment where women can cometogether to share knowledge and experi-

ences, generate ideas, and create invest-ments and business ventures that willprovide on-going retirement income. It isa community of women helping women,

and helping themselves to improve theirretirement planning success. So join theconversation!

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Comfort and companionshipPets often make ideal companions. They

are around when a person needs support,they can provide protection for those livingalone, they're always willing to lend an earto problems, and many tend to offer uncon-ditional love. Seniors facing an empty nestor the loss of a spouse may find pets canbuoy their spirits. Studies have shown thatseniors can benefit both mentally and phys-ically from having a pet around. Pets canalleviate anxiety, depression and boredom.

While pets can provide comfort and com-panionship, they remain a significantresponsibility. Seniors should find an ani-mal that will fit in with their lifestyles.This is an important consideration forthose seniors who travel frequently or havemobility issues. In addition, men andwomen living in senior communities orassisted living facilities should determineif there are any pet restrictions in place.

Those seniors who have decided that adog will be the best fit can choose amongseveral breeds that may be a good matchfor their needs. When selecting a dog, con-sider both size and temperament. Smallerdogs tend to be easier to handle and willneed less maintenance. They are easilycarried and won't take as long to bathe andgroom. Smaller dogs also consume lessfood than larger breeds, reducing theexpense of dog food and the hassle ofwrangling large, heavy bags of chow.Temperament is also important, as somebreeds tend to be more easygoing than oth-ers. Larger breeds may be preferable to asmaller breeds, which tend to be hyperac-tive. However, always remember there arepros and cons to each breed, and each dogwill demonstrate his own personalitytraits. The following are some dogs thatcan be especially compatible with seniors.

• PugEqually playful and willing to be a lap

dog, the pug requires little exercise andgrooming. The breed is typically nonag-

gressive and submissive. Pugs are good-natured and playful; they don't often barkand are easy to train.

• Shih TzuThe Shih Tzu lives for attention, but this

breed can be dominant and difficult totrain. The Shih Tzu will be alert to its sur-roundings and, despite its small stature,can be a good watchdog.

• PomeranianPomeranians look like big balls of fur

and can bring a smile to an owner's face.The breed tends to be perky, can displaydominance and can be difficult to train.Because Pomeranians can be dog-aggres-sive, they may be best as the only pet in thehouse.

• Yorkshire terrierThe Yorkie is a diminutive breed in size

only, as they tend to have exuberant per-sonalities that dwarf their stature. Theideal lap dog, Yorkies want to lie aroundand lounge, though some do like to bark. Ifthe fur is kept short in a "puppy cut," thedog can be easy to maintain.

• Pembroke Welsh CorgiThis medium-sized dog hails from Wales

and typically requires only moderate exer-cise and little grooming. They are easy totrain and moderately dominant. They don'tbark excessively, and they often get alongwith other dogs.

• SchnauzerAvailable in three sizes, Schnauzers are

good companions and protectors. This isan intelligent and loyal breed and willneed to be kept amused to stave off bore-dom.

• Brussels GriffonThese dogs do not shed, but they will

require professional grooming at leastonce every 3 months. If socialized early,the Griffon can be a good companion butwill likely remain wary of strangers. Theyare good watchdogs and devoted to theirowners.

These dog breeds are especially compatible with seniors

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What used to be the "golden years" oflife for seniors is now turning into anyopportunity to spend even more time withtheir youngest family members. Nowadays,a growing number of grandparents arecalled on to provide child care for theirgrandkids, many of whom are growing upin two-income households. Others arehelping to raise grandkids while providingfinancial assistance for adult children whomay not be able to live on their own.

This trend has been corroborated in afew recent studies. Information from thePew Research Center showed 7.7 millionchildren in the United States were livingin the same household as one of theirgrandparents in 2011. A University ofChicago analysis of a decade of data basedon interviews with 13,614 grandparents,ages 50 and older, found that 61 percent ofgrandparents provided at least 50 hours ofcare for their grandchildren during anygiven year between 1998 and 2008. And anApril 2012 study for the MetLife MatureMarket Institute and the nonprofitGenerations United, an intergenerationalpolicy group, found that 74 percent ofrespondents provided weekly child care orbabysitting service for grandkids.

Grandparents often cite helping theirown children financially as well as stayingin touch with grandchildren as motivatingfactors behind providing care. Accordingto Generations United, staying in touchwith grandkids can give seniors a feelingof self-worth and improve their overallhealth.

When spending so much time together,grandparents may develop special rela-

tionships with their grandchildren, whomay benefit from the knowledge and wis-dom offered by their elders. The followingare some lessons grandparents can sharewith youngsters.

• Empathy: By sharing stories of howthings were when they were younger,when opportunities may have been morescarce, grandparents can help teachgrandchildren empathy. Grandchildrenmay learn to be grateful for the things theyhave and the people around them, ratherthan taking what they have for granted.

• Family history: Grandparents can tellgrandchildren about family members,including youngsters' own parents, andshed light on the generations that camebefore them. Looking through photos orwatching old movies can provide theavenue by which to start conversationsabout family history and give childrenopportunities to ask questions.

• Interests: Children may be excitedabout learning new skills or hobbiestaught to them by their grandparents.Anything from gardening to woodworkingcan be shared.

• Respect: Children who grow uprespecting their grandparents may havean increased tendency to respect authori-ty figures outside their homes, which mayhelp kids grow up to be more courteousand kind.

Grandchildren also offer benefits totheir grandparents. Companionship, newexperiences and conversation can helpkeep grandparents' minds sharp and bod-ies active well into their golden years.

Benefits of bonding with grandkids

noted that regular social interaction candelay or possibly even prevent cognitiveimpairment.

• Continue your career. While the ideaof retiring poolside and watching the worldgo by might seem nice, such a scenario isnot necessarily good for your brain.Numerous studies have shown the benefitsthat staying engaged in professional activi-ties can have on brain health. The brain

does not thrive if it's sitting on the sideline.Staying active in your career will continueto provide the challenges your brain needsto stay sharp and avoid memory loss andstruggles with concentration. Men andwomen who want to leave office life behindcan branch out on their own and work asconsultants or put their years of experienceto use by teaching at a nearby university orsecondary school. But heading off for thehammock once you have hung up yourbriefcase can prove troublesome for yourbrain.

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Steps involved with estate planningAlthough inevitable, death is an emo-

tional subject that's difficult to discuss.While estate planning can make peopleuncomfortable, it is an essential part ofsecuring assets for future generations andcan make a death in the family easier forloved ones to handle.

Estate planning is an umbrella term thatrefers to a host of things that must be doneprior to a person's death, including writinga will and even making funeral arrange-ments. Estate planning attempts to elimi-nate financial uncertainties and maximizethe value of an estate, and allows men andwomen to state their wishes with regard tolong-term healthcare and guardianship fortheir children.

When done right, estate planning canprevent family feuds and ensure that thedeceased's estate stays in the hands offamily rather than being relegated to thegovernment. Estate planning can be a

complex process, so men and womenshould seek help to ensure the processgoes smoothly.

Getting startedEstate planning should begin early in a

person's life, especially for young parents.It's easy to talk about saving for a home orretirement, but it's not so simple to discusswho will care for your children should youdie while they are still minors.

Those who are not able to sort throughthese answers on their own should enlistthe help of an attorney or a financial advis-er, both of whom can take some of the emo-tion out of the discussion and put it inmore practical terms.

The willA will is an important component of

estate planning. Without clearly and legal-ly spelling out your wishes, there is noguarantee that those wishes will be hon-ored. It will be up to a state or province to

make potentially life-altering decisionsthat can impact your surviving familymembers, and the only way to ensure yourwishes will be carried out is to put theminto a will.

Although men and women can writetheir own wills, many people prefer to seekthe assistance of an attorney, who canmake sure all necessary details are includ-ed in the will.

Medical directivesIn addition to a will, estate planning

includes your wishes if you become inca-pacitated or suffer from a serious medicalcondition that precludes you from makingdecisions about your care and finances.Spouses can be named to make importanthealth decisions, but you may want to indi-cate other information, such as life supportmeasures or organ donation, as well. If youhave strong opinions on treatment, medicaldirectives and living wills are a necessity.

Funeral arrangementsAnother aspect of estate planning con-

cerns funeral arrangements. Many peopleprefer to make their own funeral and bur-ial plans so that these heart-wrenchingdecisions do not fall on the shoulders ofgrieving family members. Funeral planningmay include choosing a burial plot, select-ing a casket, indicating cremation, andpaying for everything in advance so thereis no financial burden on surviving familymembers. According to the funeral plan-ning website Efuneral.com, the averagecost of a funeral in the United States in2012 was more than $8,500 for a burialservice and $3,700 for a cremation. That'sa considerable expense that you may notwant surviving family members to pay.

Estate planning is a process that is diffi-cult to discuss, but one that is essential tomaximize your assets and ensure your end-of-life wishes are honored.

Did you know?The Baby Boomer generation is one of the most influential demographics in

the world today. Boomers represent roughly 28 percent of the total populationof the United States, according to "Baby Boomer" magazine, and this meansthey are the largest generational segment as well as the single largest eco-nomic group in the United States. They hold 70 percent of the U.S. wealth andare expected to inherit millions of dollars over the course of the next 20 years.

Baby boomers comprise a population of adults who were born between1946 and 1964. That makes boomers people who are between 49 and 67years old. Many of these baby boomers have grown to be household namesand influential individuals in all areas of business. Actor Brad Pitt is a babyboomer, as is President of the United States Barack Obama. Director PeterJackson, singer k.d. lang and business mogul Donald Trump all belong to thebaby boomer generation. Here are some additional facts and figures aboutbaby boomers:

• Baby boomers have more discretionary income than any other age group.• Baby boomers own 80 percent of the money in savings and loan associa-

tions.• Baby boomers spend more money than other groups.• Baby boomers account for nearly half of all consumer demand.Baby boomers have been known to have an unprecedented impact on

American culture, society and the economy, and that influence is bound tocontinue for several more years.

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