BOOMERS

Senior News

MONEYSAVER Boomers Senior News Summer 2015 1

summer 2015

The workout that works for seniors of all

ages and mobility levels: resistance training

hink youre too old and frail to work out? Think again! The health benefits of daily the lower body on the next day.
exercise are widely known, but seniors facing health and mobility issues may feel
working out is beyond their abilities. Sixty-three percent of people 60 and older dont
engage in daily exercise, according to the National Council on Agings The United
States of Aging Survey.
But resistance training can help seniors who fear falling or damaging aging
muscles and bones while exercising. For seniors with health issues that might make
strenuous exercise difficult, resistance training can be an accessible, healthful option
that provides both physical and mental benefits, a new study indicates.
Resistance training - also called strength training - is an especially safe, valuable
mode of exercise for seniors. As you age, you lose muscle mass, bone density,
strength, balance, coordination and flexibility - all of which can result in higher risk
of falls and increased difficulty in performing daily tasks. Resistance training allows
seniors to exercise in their own home. They can use items found in their house and
they can even exercise while sitting down.
As the name implies, resistance training relies on the use of resistance to build
muscle strength. Slow, measured movements are easier and more stable for seniors
to perform than the strenuous activity of many types of aerobic exercise. Smooth,
THIS ADVERTISEMENT IS
controlled movement gives seniors the benefits of the specific exercise with less risk
NOT FROM HUD OR FHA AND
Call Today for a face-to-face WAS NOT APPROVED BY THE
of injuries or falls.
DEPARTMENT OF HOUSING OR
appointment with a local
Before starting any kind of exercise program, seniors should talk to their doctors.
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Once they have the go-ahead to begin resistance training, many forms can be
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beneficial to seniors.
Resistance training can include using resistance bands, lifting weights or objects
around your home, or using exercise equipment. Some of the exercises included in
aquatics, Pilates, tai chi and yoga are types of resistance training, and those activities
have the added bonus of social interaction when done in groups. Seniors can benefit
from any type of resistance training as long as its done safely and is part of a regular
TRIED, TRUSTED, PROVEN
routine. Pushing up and down from a chair, opening and closing a door, lifting a
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can of soup or a 1-pound weight are all types of resistance exercises that seniors can
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Its recommended that seniors start slow with lower-resistance exercises and listen
to their bodies. As you age, your body changes and this will impact how and what
types of exercises you will be able to do safely. There are many ways to modify
exercises, routines and individual styles of training to fit a seniors specific needs.
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Resistance training offers many benefits for seniors, including improved strength,
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balance, coordination and posture, better bone density, plus lower risks of heart
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disease, arthritis, osteoporosis and other chronic illnesses, as well as improved
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cognitive function and mood. A recent study published in the Journal of the
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American Medical Directors Association also found that resistance training can
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positively affect cognitive abilities of seniors with dementia and Alzheimers.
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Engaging in exercise for 150 minutes a week can allow seniors to maximize the
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health benefits. Seniors can exercise in one 30-minute session three or four days a
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week if theyre able, or if that intensity is too strenuous, they can break their workouts
into 10-minute intervals throughout the week and still reap the benefits.
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The key is to start low and go slow when beginning an exercise program. Just 10
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minutes a day provides health benefits and can feel much more achievable for
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seniors. Exercise duration can then be increased as endurance improves.
Resistance exercises should be done two to three days per week for each muscle
group with a day of rest in between. This does not mean that other types of exercise,
such as aerobic or flexibility exercises, should not be done on rest days. People who
exercise daily might do resistance exercises for the upper body on one day and for

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MONEYSAVER Boomers Senior News Summer 2015 2

What you need to know to

control this silent killer

ost people
assume they
only need to take
their medication
when they are
sick, meaning
when they experience symptoms. But in the case of hypertension,
this type of thinking could kill you.
Patients who have hypertension are often completely asymptomatic
- thats the reason hypertension is often called the silent killer. The
belief that symptoms such as headaches, nose bleeds, nervousness,
sweating, difficulty sleeping or facial flushing are signals to take
blood pressure medication is a myth.
Nonadherence to hypertension medication is a huge challenge.
Research shows that one in three American adults suffer from high
blood pressure, but only 47 percent effectively treat their disease to
keep blood pressure levels under control.

Higher risk for heart attack, stroke

Express Scripts specialist pharmacist Ed Dannemiller recently spoke with

a patient who was 40 days late to refill her blood pressure prescription.
When I asked her about the delay, she said she only takes her medication
when she feels stressed or has a headache. The problem with this is that
patients with hypertension may feel perfectly fine before suffering a heart
attack or stroke, says Dannemiller.
Normal blood pressure is less than 120/80, but consistent levels above
140/90 require medical attention. Simply keeping a patients blood
pressure under control decreases the risk of heart attack by 25 percent,
stroke by 33 percent and heart failure by 50 percent.
But the only way to have a precise measurement is through a blood
pressure reading.
Become an engaged patient
I encourage patients to become engaged in their own health and
keep track of their blood pressure readings, which can help prevent
unnecessary hospitalizations or ER visits, Dannemiller explains.

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For patients with white-coat hypertension - those whose blood pressure

rises from stress in the doctors office - a home blood pressure monitor is
a good option.

to plan a funeral.

Dannemiller offers these useful tips for patients monitoring their pressure
at home:
* Take blood pressure readings in a seated position with arm at the heart
level
* To regulate the monitor, discard the first reading
* Keep a record of your blood pressure levels to bring to your doctors
appointment
This additional data will help your physician better understand your
condition & make better medical decisions to ensure healthier outcomes.

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Lifestyle changes can help

In addition to staying adherent to blood pressure medication, regardless
of symptoms, the following lifestyle modifications also can improve
cardiovascular health:

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MONEYSAVER Boomers Senior News Summer 2015 3

PREPARING FOR
HOSPICE CARE

benefit than those who are placed in hospice only in their final days.
* Investigate financial options for hospice. Medicare and Medicaid
provide hospice coverage in 44 states. Many private insurance plans
have a hospice benefit as well. Understand how payment is made to
figure out if private funding will be necessary.
Not all hospice programs are the same but the goal remains the same
to provide comfort and dignity to a dying person in their final days.

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ometimes patients succumb to a disease, in spite of the best

treatments and support. When the time comes for a family to
confront a loved ones declining health, hospice care can be a dignified
way to make that persons final days as comforting as possible.
Hospice is a type of care designed to make the final moments of a
persons life as pain-free and manageable as possible. It can take place
in a medical facility, but very often hospice care occurs at home or
wherever the ill person feels most comfortable.
Hospice care is usually the last step when all other options have been
exhausted. Making the decision to move a loved one to hospice care
can be an emotionally wrenching time. Decisions such as these may
be better made at a time in a persons life when he or she is not sick.
That is why living wills that spell out details for end-of-life care can be
quite valuable. Decisions are made with a level head and not wrought
with emotions. Such living wills also can take the pressure off of family
members who may not feel comfortable making such decisions on
their own or in concert with relatives.
Hospice is a type of care and a philosophy that focuses on the palliative
care of terminally ill patients. Rather than providing medication to
try to treat the illness, medicine is offered to make a person more
comfortable and remove any pain. Psychological therapy may also be
offered to help the person come to terms with the end of life. Although
hospice is a concept that has gradually evolved since the 11th century,
the principles of modern hospice care can trace their roots to the 1950s
and Dame Cicely Saunders, a nurse and social worker who is known as
the creator of the hospice movement.
If hospice care is outlined in a dying persons living will or expressed
wishes, there are some guidelines that can be followed by the sick
individual.
* Visit various medical care centers to see if away-from-home options
provide the care and environment you desire. Be sure to establish what
type of hospice care you prefer. This may include care within a nursing
home or hospital, or in the comfort of your own home.
* Sign a medical durable power of attorney. This signed document gives
authority to an adult age 18 or older, who then has the right to make
necessary medical and healthcare decisions for you in the event you
become incapacitated.
* Clearly indicate your wishes regarding resuscitation. A signed
document may alert emergency healthcare personnel or others of your
wishes not to be resuscitated. This document must be signed by you
and a doctor and witnessed by others.
* Decide on the duration of care. Hospice care generally lasts six months.
This enables a long stretch of palliative care. Should you live beyond
the time period, hospice care can continue. Studies have shown that
patients who receive hospice care for at least 30 to 60 days gain greater

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MONEYSAVER Boomers Senior News Summer 2015 4

Dry eye affects most

menopausal women;
nutrition can help

hen most
women
think of
menopausal
symptoms,
they imagine
hot flashes,
moodiness and night sweats. But theres one symptom thats
often forgotten when hormones begin to fluctuate - dry eye.

Symptoms include eyes feeling itchy, scratchy, or stinging

and burning. In some cases, it may feel as if there is a foreign
particle in the eye. Another sign of dry eye is excessive tearing.
This is due to, and indicative of poor tear quality.

Dry eye is a common condition in which the tear ducts dont

make enough tears for lubricating and nourishing the eye.

While there is much more to learn about how hormones play

a role in the lubrication of ones eyes, research reveals dry eyes
can result from a deficiency in estrogen, progesterone
or testosterone. Chemical signal disruptions can
create an unstable tear film, resulting in inflammation
and lead to decreased tear production and dry eye.

According to an article by WomantoWoman.com, researchers

know that hormones are important to eye health as studies
have identified androgen (testosterone) and estrogen receptors
on the cornea and on the meibomian gland. This means there
is a connection between tear production and sex hormones.

DEDICATED
HOPE,
HEALING
AND RECOVERY
TO

Most patients believe this eye issue is just a fact of

life; an unavoidable part of aging and that its not a
treatable condition. This simply isnt the case anymore,
says Dr. Sean Mulqueeny, an Optometrist in St. Louis.
There are many ways we can go about making
patients lives better. We have all kinds of options that
we didnt have even five years ago.

We Offer:
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Many sufferers try self-medicating with the use of

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since poorly made tears cant property protect or
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It is very important to have this conversation with

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During an eye care visit, your eye

care professional might discuss the
fact that eye health and nutrition
are related. Thats why many
optometrists and ophthalmologists
often counsel their patients to add
a fish oil or Omega-3 supplement
to their diet.
Omega-3s essential fatty acids that
support healthy tear production to
keep eyes moisturized. But not all
supplements containing fish oil or
omega 3s are created equal. The
omega-3 fat in plants, such as flax
and walnuts, may help lower heart
disease risk, but do not appear
to help dry eyes as much as the
omega-3s derived from fish, called
DHA and EPA.
Since nutrition impacts eye health,
Mulqueeny recommends an
omega-3-containing supplement
with additional ingredients such
as EyePromise EZ Tears that is
designed to soothe irritation and
help ones eyes feel better faster.
A proprietary dietary supplement
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relief.
Take note of dry eye symptoms and
proactively discuss them with an
eye care professional.

The hottest new health

remedy thats been around
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found evidence that the compound inhibited the growth of

lung cancer tumors through an animal-based study, according
to the American Institute for Cancer Research. In another study,
researchers at Nottingham University in the United Kingdom also
found that capsaicin killed cancer cells without harming healthy
cells in cultures of human lung and pancreatic cancer cells.
Fighting diabetes
About 30 million Americans live with diabetes, and the disease
is the seventh-leading cause of death in the U.S., according to
the American Diabetes Association. While multiple medicines
are available to treat diabetes, many people still find it difficult to
control the disease. A study published in the American Journal
of Clinical Nutrition found that eating chili peppers as part of a
regular, healthy diet, could help control diabetes.
Natural nutrition
Chili peppers also deliver health benefits beyond medicinal ones.
The peppers are highly nutritious, delivering a punch of nutrients
that are also associated with better health, including vitamins A,
C and B-6, iron, copper and potassium.
If youre a fan of hot foods, the health benefits of chili peppers
are icing on the cake when you dine on your favorite spicy
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minor discomfort.

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o you love the snap that chili peppers give to your food? Are
you a fan of the heat they impart to a variety of dishes? Even
if youre not, you may want to take another look at the humble
chili pepper. From migraine relief to weight control, researchers
are verifying what some cultures have known for centuries: the
chili pepper and its key constituents, like capsaicin, deliver a host
of health benefits.
Here are just some of the ways chili peppers are helping to fight
some of the countrys most common health conditions:
Migraine relief
The World Health Organization recognizes migraines as one of
the most prevalent and debilitating conditions in the world.
More than 36 million Americans live with migraines, and up
to a third or more (approximately 12 million) of them are not
receiving optimal treatment. Medications may cause side-effects,
do not always work or work only partially for some patients, react
badly with other medications, can be expensive or not covered
by insurance. For any or all of these reasons, there remains a
significant unmet need in the world of migraine.
Pharmaceutical companies are working on medicines that rely
on capsaicin pathways to prevent migraines. A non-prescription,
homeopathic remedy, Ausanil, is already commercially available.
Formulated using the raw extract of the chili pepper, capsicum
annuum, the remedy is used to rapidly relieve migraines and
severe headaches such as cluster headaches and tension
headaches. Because it acts locally in the nose, Ausanil doesnt
interact with other medications and does not cause stomach or
liver issues that are associated with commonly used OTC pain
relievers.
Weight control
Obesity is also a worldwide issue, making effective weight-control
remedies a priority for health advocates around the world.
Researchers are investigating capsaicin as a weight-control
supplement.
They believe the chili pepper constituent may help boost
metabolism by inhibiting cells that store fat and encouraging the
type of cells that turn fat into energy.
Cancer treatment
Multiple studies aim at exploring the effect of capsaicin on
cancer cells. One notable investigation from Marshall University

MONEYSAVER Boomers Senior News Summer 2015 5

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MONEYSAVER Boomers Senior News Summer 2015 6

MANAGING MONEY AFTER 50

nvestors
know
that money
management can be difficult. The ebb and flow of the
economy can be similar to a roller coaster, with soaring highs
followed by steep drops, and those changes all affect investors
bottom lines. Its no wonder then that many investors over 50
envision the day when they can get off that roller coaster and
simply enjoy their money without having to worry about the
everyday ups and downs of the market. But managing money
after 50 is about more than just reducing risk.
Reducing risk as retirement draws near is a sound financial
strategy that can safeguard men and women over 50 from the
3.5 x 2.5 | Maximum Font Size: 30 pt

How will you pay for

retirement? Lets talk.
Brad Melton, AAMS
Financial Advisor
.

1702 G Street
Lewiston, ID 83501
208-746-1114

Prioritize saving for retirement. Men and women over 50

know that retirement is right around the corner. Despite
that, many people over 50 still have not prioritized saving for
retirement. Its understandable that other obligations, be it
paying kids college tuition or offering financial assistance
to aging parents, may seem more immediate, but men and
women over 50 should recognize that their time to save for
retirement is rapidly dwindling. Just because you are retired
does not mean your bills will magically disappear. In fact, some
of those bills, such as the cost of medical care, are likely to
increase. So now is the time to make retirement a priority if you
have not already done so. It might be nice to finance a childs
college education, but that should not be done at the expense
of your retirement nest egg. Kids have a lifetime ahead of them
to repay college loans, while adults over 50 do not have that
much time to save for retirement.
Start making decisions. People retire at different times in
their lives. Some people want to keep working as long as they
are physically and mentally capable of doing so, while others
want to reap what their lifetime of hard work has sewn and
retire early. Finances will likely play a strong role in when you
can comfortably retire, so start making decisions about your
long-term future. Do you intend to stay in your current home
or downsize to a smaller home? Will you stay in your current
area or move elsewhere? These decisions require a careful
examination of your finances, and many will hinge on how
well you have managed your money in the past and how well
you manage it in the years ahead. Managing money after 50
requires more than just allocating resources. Sound money
management after 50 also means making decisions about your
future and taking the necessary steps to ensure those decisions
come to fruition.

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Pay down debt. Men and women over 50 are not often
associated with debt, but thats a misconception. Thanks
in part to the recession that began in 2008 and led to high
unemployment, many people in the baby boomer generation,
which includes people born between the years 1946 and 1964,
went back to school to make themselves more attractive to
prospective employers. While that might have been a
sound decision, it left many deeply in debt.

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fluctuations of the market. Thats true whether investors put

their money in stocks, real estate or other areas that were not
immune to the ups and downs of the economy. But there are
additional steps men and women can take after they turn 50 to
ensure their golden years are as enjoyable and financially sound
as possible.

Men and women over 50 who are still carrying debt

should eliminate consumer debt first, as such debt
tends to be accompanied by higher interest rates
than mortgages and student loan debt. Paying down
debt can help reduce stress, improve your quality
of life and free up money for living and recreational
expenses once you retire.
Examine your insurance policies. Your approach
to insurance should change as you get closer to
retirement. For example, you want to maximize your
liability insurance on homeowners and auto insurance
policies. This ensures the money you have set aside for
retirement wont be going to a third party should you
be at-fault in an auto accident or if someone suffers
an injury at your home. Experts recommend liability
insurance be substantial for men and women over 50,
with some suggesting it be as high as twice your net
worth.

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Securing long-term disability

insurance should be a priority
once you have turned 50. A
sudden accident or illness at 55
that prevents you from working
could prove devastating to
your financial future if you do
not have disability insurance.
Some employers offer long-term
disability, though many people are
left to secure policies on their own.
Regardless of how you get your
disability insurance, make sure
you have it and that it provides
adequate coverage should you
succumb to an illness or injury and
be unable to work.

MONEYSAVER Boomers Senior News Summer 2015 7

ARE EXPIRED
MEDICATIONS
STILL SAFE?
I

t is 2 a.m. and that cough and stuffy nose you have

been battling is still keeping you up. You reach
for the nighttime cold relief medicine only to find it
expired a few months ago. If you take a dose to ease
your symptoms, will you be putting yourself at risk?
This situation is a relatively common occurrence. Many
medicine cabinets are stocked with over-the-counter
drugs as well as prescription medications that may
be past their expiration dates. It is a good idea to
routinely discard expired medicines, but if you happen to
take a drug that has passed its expiration date, you will
most likely suffer no ill effects.
According to the Harvard Medical School Family Health
Guide, the expiration date on a medicine is not the dates
when a drug becomes hazardous. Rather, it marks the
period of time after which a drug
company can no longer guarantee
the efficacy of the medication. Since
1979, drug manufacturers selling
medications in the United States
have been required by the Food and
Drug Administration to stamp an
expiration date on their products.
This is the date until which the
manufacturer can still guarantee full
potency of the drug.

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Furniture Center
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The U.S. military has conducted

their own studies with the help of
the FDA. FDA researchers tested
more than 100 over-the-counter
and prescription drugs. Around
90 percent were proven to still be
effective long past the expiration
date -- some for more than 10 years.
Drugs that are stored in cool, dark
places have a better chance of
lasting because the fillers used in
the product will not separate or start
to break down as they might in a
warm, humid environment. Storing
medicines in the refrigerator can
prolong their shelf life.
Although a pharmacist cannot legally
advise consumers to use medication
past an expiration date, most overthe-counter pain relievers and drugs
in pill form should still be fine. Certain
liquid antibiotics and drugs made up
of organic materials can expire faster
than others. For those who still want
to err on the safe side, routinely clean
out medications from cabinets once
they expire. However, if an expired
medication is taken by mistake,
theres little need to worry about
potentially adverse effects.

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Expiration dates also may be a

marketing ploy. Francis Flaherty, a
retired FDA pharmacist, has said drug
manufacturers put expiration dates
on products for marketing purposes
rather than scientific reasons. It
doesnt make financial sense to a
company to have products on the
shelves for years. Therefore, most drug
manufacturers will not do long-term
testing on products to confirm if they
will be effective 10 to 15 years after
manufacture.

MONEYSAVER Boomers Senior News Summer 2015 8