Category Archives: How-To’s

Deciding if an annuity is right for your financial plan

By Dave Stanley
Integrity Financial Service, LLC

(Pxhere.com)

There is a well-known financial planner, and you may have seen him appear on television and in print advertising, who has built his reputation by making this bold and controversial statement. “I hate annuities…”. The intent of this paper is not to bring attention to or to discredit this professional pitchman.

He has already done that by making irresponsible statements, such as this, in public while privately buying stocks in companies that sell them. My purpose is to state, “I love annuities…but annuities may not be for everyone or used for all purposes…especially if the purpose of your moneyis to leave part or all of your estate to your beneficiaries.” In cases like this, I recommend life insurance.

Following is a brief listing of reasons why I love annuities if the purpose of your money is to spend it while you are alive:


• Your money is safe in an annuity because your principal is protected.
• Your money is secure in an annuity because it is protected by the strength of the insurance company that sells it.
• Because annuities are tax-deferred, interest earned on your account is not taxed until you withdraw funds from your annuity.
• The proceeds received from your annuity go directly to your beneficiary after your death and will avoid probate.
• An indexed annuity earns interest on the income growth of the index but is not subject to market losses.
• You may choose an income rider on your annuity that will guarantee lifetime income for you and spouse.

Following is a brief listing of reasons why I love life insurance if the purpose of your money is to provide for your beneficiaries after your death:


• Life insurance may be used to replace the policy owner’s lost wages after death.
• Life insurance proceeds may be used to help pay for your children or grandchildren’s education.
• Life insurance proceeds may be used to help pay off debts, and to protect your spouse’s financial independence.
• Life insurance may be used to pay off a home mortgage, allowing your spouse to live in the family home without debt.
• Life insurance may be used to support your favorite charities.
• Life insurance may be used to pay funeral expenses.
• Life insurance provides tax advantages to the owner and beneficiaries like no other product can.
• Some life insurance policies may provide benefits to pay for nursing and home health care expenses.

In conclusion, I love annuities and you should too if the purpose of your income is to provide for you while you are alive. I love life insurance and recommend it to my clients if the purpose of your money is to leave it to your beneficiaries after your death.

What is the purpose of your money?  What do you want it to accomplish?

I recommend you consult your trusted advisor to help answer this critical question for you and your family.


Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or  Register for Dave’s FREE Newsletter at 888-998-3463  or click this link:  Dave Stanley Newsletter – Annuity.com  Dave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.

County’s Swap Shop gives second life to household products

By Adam Brown
WKTV Contributor


Items in the Swap Shop inventory constantly change. (Courtesy, Kent County)

Have you ever looked in a closet or storage area and found old household products you no longer use?

For many, that answer is likely yes. We may keep these old, unusable household products around simply because we do not know how to dispose of them. That’s where the “Swap Shop” operated by the Kent County Department of Public Works (KCDPW) comes in.

Since opening in January 2022, the Swap Shop has offered a collection of gently used household products. Residents may drop off products they no longer need at the KCDPW’s satellite sites that utilize Kent County’s SafeChem free disposal program. Resource recovery specialists inspect the items and transport them to the Swap Shop, where they are available to the public for free.

 

The Swap Shop asks residents who take products to sign a reuse waiver and return unused products to a SafeChem satellite site. This combination of easy disposal and free pickup and collection likely made the Swap Shop a hit in the local community.

What is the Swap Shop?

Located at 1045 Wealthy St. SW, the Swap Shop holds an ever-changing inventory of household cleaners, automotive supplies, and lawn products available to anyone who may need them.

 

“Instead of sending gently used products for disposal, we reclaim them and add them to our Swap Shop inventory,” said Jonathan Neracher, a resource revery specialist at the department, as he outlined the central mission of the Swap Shop. “The Swap Shop is a community resource where people who may not be able to buy these products, or are really committed to reusing them, can pick up and use them in their households. The bottom line: we’d rather see these products be used than end up anywhere else.”

Neracher added that the Kent County Department of Public Works team is aware of the cost saving opportunity that something like the SwapShop would provide as well as being huge fans of reusing items that are still in good condition.

What type of products are available at the Swap Shop?

Though the Swap Shop inventory constantly changes, the most common products include:

• Automotive supplies (brake fluid, oil, car wash supplies)

• Household items (drain cleaner, spray paint, stains, varnishes, thinners, adhesives)

• Lawn and garden care products (weed killer, pool supplies, and insect repellent)

• Personal care products (soaps, nail polish, shampoo)

Each month, the Swap Shop adds nearly 1,000 pounds of product to its inventory, recently including more than 160 full or almost full propane cylinders. 

Impact on the community

Neracher attributes the Swap Shop’s success and extensive inventory to one factor: the fact that it is free.

“I have yet to meet a resident who didn’t like the idea of free stuff,” he said. “Some of our customers are retirees looking for a productive low cost project to work on, others are new homeowners that need to put some TLC into their new home. We’ve had teachers looking for supplies for class projects and artists looking to create using waste.”

The accessibility of free household products at the Swap Shop allows residents to avoid a costly trip to the store for the same or similar items. They can also try out different products without needing to pay for them. If the consumer does not need the product they try, they can simply return it to the Swap Shop. 

Why the Swap Shop matters in today’s world

Recycling and reusing have become more critical than ever due to the rising environmental impacts of human activities.

“The SwapShop, SafeChem Program and Sustainable Business Park shows the county’s dedication to reducing waste and providing a more sustainable framework for the world we want to live in,” Neracher said. “When you Swap at the Swap Shop you [are] not only saving money for the county and yourself, but that is one less bag of fertilizer that needs to be produced, one less bottle [of] drain cleaner being taken off the shelves, one less propane tank going into circulation, one less quart of motor oil being refined.”

With global inflation rates impacting nearly all consumer goods, the Swap Shop’s model of free products makes it a rare commodity in today’s market. That model of “free” will keep the Swap Shop as an integral part of the Grand Rapids community for years to come.

In the cities of Wyoming and Kentwood, there are two SafeChem satellite sites. The City of Wyoming Clean Water Plant, 2350 Ivanrest SW, Grandville, and the City of Kentwood Public Works Facility, 5068 Breton Rd. SE. For more information about the KCDPW’s SafeChem satellite sites and a list of products they accept, click here.

Tips on how to avoid online scammers

By Tessa Schulz
WKTV Contributor


‘Tis the season to watch out for holiday scammers. With the holidays fast approaching beware of any deals that appear too good to be true. Scams create the illusion of being trustworthy on the outside yet are a façade fooling consumers into sharing personal information and sending money.

Scammers are looking for all kinds of way to trick you out of your money. (WKTV/Tessa Schultz)

Scams can come in many shapes and sizes, yet they aren’t the gift you’d like this holiday season. Scams can appear blatantly obvious or they can be concealed from what seem to be reputable sources.

Some of the biggest online shops have had scammers impersonating the organization. Amazon, Facebook Marketplace, and your local department stores all have scammers lurking around impersonating trustworthy transactions and tricking consumers.

Scam Data

Federal Trade Commission data reports that in 2021 online shopping scams contained $3.92 million in total reported losses with the median loss for consumers was $500 dollars.

Shoppers that have fallen victim to questionable purchases are not always compensated for their financial losses. According to the FTC, 25% of 2021 consumers reported a loss to fraud.

Types of Scams

Some of the most common scams are internet auction fraud, phishing, order confirmation scams, and technical support scams.

Internet auction fraud occurs when a seller misrepresents merchandise online. In many cases, items are left undelivered, with the buyer at a loss for their money. Scammers may advertise items with outrageous deals and discounts swindling shoppers into franticly buying nonexistent listings. Eventually, shoppers are met with remorse when their item never arrives on their doorstep.

 

Phishing is a scam where fake emails, text messages, and websites are used to commit identity theft or steal personal information. The criminal may ask personal questions fishing around and urging you to share your bank account numbers, debit card pin, or other personal information. Typically a scammer’s contact information mimics the names of larger brands hustling shoppers into trusting and handing out their personal information.

Order confirmation scams provide unwarranted emails, texts, and phone calls claiming that you need to confirm or deny unauthorized purchases. Amazon recently published a memo warning customers of scammers mimicking counterfeit transactions and seeking personal information. Panic-stricken shoppers may rush in order to cancel fake purchases when in reality they are being conned.

 

A technical support scam is a type of fraud where a scammer insists that you need to buy tech support for your devices.

Data breaches can occur to those who download software on their devices. Sensitive information can be stolen, hacked into, and leaked.

Malware is online software containing viruses and spyware. Malware is often undetectable and is a large threat to your online security. 

Tips to Avoid Scams

Always use direct websites when seeking customer service and tech support.

Do not react to scams based on the principle of urgency. Many scammers want you to feel the need to “act now.”

In no case should you provide payment, or bank account information, install software, or purchase gift cards when prompted to respond in an urgent nature.

Be cautious when providing any personal information including account numbers and passwords when completing purchases online or on the telephone. Contacting customer service with any questions regarding transactions may ensure safe shopping.

Santa and his reindeer want you to steer clear of holiday scams this year, be sure to travel with ease online to protect your wallet this season.

It is time to prepare your car for the cold

By Maggie Carey
WKTV Contributor


Snowy weather is here which means making sure you have checked that your car has all your survival essentials. (WKTV/Maggie Carey)

With the colder months approaching quickly, it is important to stock your car with items that will help you through the winter. Winter weather can leave you stranded and having a kit of essentials can get you back on the road faster or make your time waiting for assistance more comfortable in the frigid temperatures.

Winter essentials for the car can include:

Ice scraper. This is an essential that can be found almost everywhere. Car scrapers with a brush end and scraper end are best (see image right) as they help remove both snow and ice from your car. Not only is it safe for you to clear your car of snow, it is also safe for those around you as snow falling off your car can impair their vision while driving.

 

A car scraper with a brush and scraper end is recommended.

Portable Shovel. Small portable shovels can be helpful when digging a car out from snow or when trying to leave a snowy street in the morning. If you have a big enough trunk, consider keeping a full-sized shovel on hand to make the process smoother.

Cat litter or salt. Did you know that cat litter can help budge a stuck car more than salt? Cat litter absorbs all the moisture around the tire and makes the surface dry to drive on. If you are stuck in snow or ice, pour small amounts around your wheels and slowly accelerate to dislodge your car. This can also be an affordable alternative to keeping salt in your car. Or if you want to keep it classic, salt does the job too. Be sure to have one on hand though as we enter the Michigan winter.

Extra warm clothes. Having extra clothes on hand can be helpful if your car has died and you are waiting for assistance on the side of the road. Put together a tote with a coat, gloves, hat, scarf, socks and if you have the room, a blanket. These items can help regulate your temperature while waiting for assistance and could potentially save your life.

Food and water. Some types of food, like non-perishables, can stay in your car for the winter months and come in handy for those unpredictable winter weather emergencies. Trail mix, granola bars, dried fruit, nuts, and canned foods can be kept in cold temperatures in your car. You should also keep water in your car. Stainless steel bottles are the best method of storing water, just remember to only fill them ¾ of the way as the colder temperatures can make the bottle burst if too full.

 

Take the time now to think about what you need and stock up your car essentials to keep you and your family safe during your winter travels.  

Tackling Tech: Tips for using technology for seniors

By Emily Armstrong
Area Agency on Aging of West Michigan


When learning to use tech, start with small tasks such as setting up email. (pxhere.com)

These past few years of pandemic life have forced many to turn to technology as a means of connection. Doctor’s appointments turned to video visits, typical in-person social engagements became phone calls or text chains, and classes and activities moved to Zoom and other virtual platforms. This large shift, happening almost simultaneously, can be confusing to navigate. How do you set up your new tablet? How can you use an app to order groceries or download library books? How can you give an Alexa device commands to check the weather? There are endless possibilities of what technology can help you to do, especially as a senior, to enhance your life, but navigating just how to do so can be a challenge. Here are a few tips.

  1. First and foremost, identify what you’d like to accomplish. Just jumping in and trying to learn everything at once is overwhelming. Set a goal to focus on just learning how to do that one thing and give yourself the grace to do so over multiple sessions.

  2. Start small with activities such as turning on a device or setting up an email address. If there are barriers to getting started, such as internet access or affording a device, identify these barriers and reach out to your local Area Agency on Aging where you can be connected to resources.

  3. Ask for help if you need it. It is okay to not know everything and if you hit a wall, it can be helpful to turn to a friend or family member for guidance and input.

  4. Seek out resources. If you don’t have a person to turn to for questions, you can use one of the many resources below.

    GetSetUp: Michigan Department of Health and Human Services partnered with GetSetUp, a digital education platform for older adults, to offer 150+ technology and enrichment classes, all taught by retired educators. www.getsetup.io/partner/michigan

    Making IT Easier Series: The Area Agency on Aging of Western Michigan has a video series designed to teach seniors how to use technology to enhance their lives. You can check out these videos on our website, including lessons on how to use Facetime, order grocery delivery via Shipt, get a ride with Lyft, and more www.aaawm.org/tech

    Senior Neighbors Technology Support Program: Through workshops and one-on-one support, local seniors in Kent County will receive person-centered services to provide access to affordable internet and devices, develop technical skills, and find confidence in utilizing technology. You can learn more about this program at www.seniorneighbors.org/tech

    Older Adults Technology Services (OATS): A national program, with Senior Planet as its flagship, OATS provides courses, programs, and activities to help seniors learn new skills, save money, get in shape, and make new friends. You sign up for their newsletter and participate in online offerings at https://seniorplanet.org/ You can also call the Senior Planet Tech Hotline: (888) 713-3495. 

    AGING Connected: Partners with telecommunications companies, nonprofits, and public entities to bring low-cost internet options to older adults nationwide. Call for support: 877-745-1930

  5. Practice online safety. Write down your account information and passwords to online accounts and keep them in a safe place. Check your links and attachments to ensure they are from trusted sources, oftentimes an “https” before a website link is a good indicator that a link is secure.

  6. Use Accessibility Features. It can be hard to see a screen, type on a keypad, and click through screens. You can utilize accessibility features to make devices more user-friendly, these include options such as voice commands, magnifier and zoom options, color filters, dictation features, assistive touch, and more.

Want one-time one-on-one support? The Area Agency on Aging of Western Michigan will be hosting a drop-in technology event at Scottville Senior Center (140 S. Main Street, Scottville, MI 49454) on Tuesday, Sept. 27, from 10 a.m. – 2 p.m. Individuals more than 60 and in the nine-county region (Allegan, Ionia, Kent, Lake, Mason, Mecosta, Montcalm, Newaygo, or Osceola) can take part. You can bring in your device and receive assistance from staff. Don’t have a device? A limited number of tablets will be available to participants who do not currently have a device. Participants may take home their new tablet following the event. Questions? Call Brandon Beck at 616-222-7024.


Five reasons women should consider annuities for retirement

By Dave Stanley
Integrity Financial Services


If you’re a woman in or near retirement, let me ask you this: “How do you plan to take what you’ve so diligently saved and turn it into a lifetime stream of dependable, predictable, tax-advantaged income?”

Five reasons women should consider using annuities to create more prosperous, less stressful retirements. (pxhere.com)

If you’re like many of us, you probably don’t have a ready answer to this question. That’s because you’ve been busy doing “all the right things.” You’ve been working, saving, maximizing your 401 K, paying off debts, being a caregiver, running a household, etc. It’s likely you haven’t really had time to think about what to do when the time comes to stop working and live on what you’ve accumulated.

I want to suggest: Take some time to consider annuities carefully. After spending time studying this often overlooked, but powerful financial vehicle, I’ve come to believe that nearly every woman planning on retiring could benefit from the features found in annuity products.


Here are a few reasons you should consider an annuity when it comes time to empty your “accumulation” bucket.

  1. An annuity creates guaranteed income for life. When you deposit a lump sum into an annuity, you enter into a contract with an insurance company in which the company guarantees you income for the rest of your life. This will eliminate a chief concern of many women entering the retirement phase of their lives, namely, running out of money too soon.

  2. Flexibility and customization. Annuities have come a long way in the past few years, offering a full spectrum of long-term care and inflation protection features. No longer are you constrained to a “one size fits all” annuity. These new kinds of annuities now provide for a new level of customization, safety, and functionality.

  3. Annuities provide predictability. Many people, especially those in their pre-retirement and retirement life stages, want to know exactly how much income they will be available when they retire. If predictability is one of your top priorities, then an annuity can provide that.

  4. Zero maintenance. When you agree to the terms of the annuity contract, you’ll be assured of a steady income for life even if you live for another 50 years after retiring. An annuity is one of the few available financial products you can actually “set and forget.” there is nothing to keep tweaking or moving around; no more crossing your fingers every time the market hiccups.

  5. Tax benefits by using an annuity for a portion of your nest egg allow that portion to grow tax-deferred, just like the money in traditional retirement accounts. That means if you don’t take out all the money for a while, you could see a significant tax reduction in retirement.

There are many other reasons that an annuity, while it may not be for everyone, is still worthy of your attention as you enter retirement. Partnering with an annuity specialist will allow you to examine these safe money alternatives more thoroughly to see if they will work in your particular situation.

If you’d like to know more about how women can use annuities to create safer, saner, more prosperous post-work lives, email or call me, and I will be happy to send you educational information to help you make the right decisions about your retirement blueprint.

Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or  Register for Dave’s FREE Newsletter at 888-998-3463  or click this link:  Dave Stanley Newsletter – Annuity.com  Dave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management

How to stay safe when caught by a rip current

By Joanne Bailey-Boorsma
joanne@wktv.org


It is finally nice in West Michigan, which means lots of beach time, but as the recent scare this week at Grand Haven beach reminded many knowing how to handle a rip current is key to water safety.

Grand Haven State Park does not have lifeguards but does utilize a flag system to let beachgoers know conditions.

Under a new land use order that allows the Department of Natural Resources shutdown the Grand Haven State Park on Tuesday, June 21, after water conditions prompted several rescues. Under the new order, the DNR can prevent or fine a person who enters waters under their jurisdiction when certain conditions are present such as harmful bacteria, dangerous weather conditions or rough waves, as was such the case on June 21.

According to the Great Lakes Surf Rescue Project, there has been 46 possible great lakes drownings so far in 2022, of which 19 have been in Lake Michigan. Lake Michigan is considered the deadliest lake of all the Great Lakes and one of the deadliest lakes in the United States due to the number of drownings.

One of the leading causes of those drownings are rip currents, channelized currents of water flowing away form shore at surf beaches.

To help raise awareness about rip currents, WKTV will be again airing the special “Respect the Power,” on June 28 at 9:30 a.m. and June 30 at 5 p.m. on Comcast Channel 25. 


If caught in a rip current, relax and don’t swim against the current. Rip currents do not pull people under the water.


The video was produced by the Great Lakes Beach & Pier Safety Task Force and was created in memory of Andrew Burton Fox and Daniel Reiss, both who were swept off the Grand Haven pier and drowned in Lake Michigan.

According to Grand Haven officials, rip currents and powerful breaking waves are common in the area of the pier. But education, including recognizing what a riptide looks like and what to do if you are caught in one, can increase the chances of a happy outcome.

From the “Respect the Power” website, it states that the Great Lakes are better understood as inland seas rather than lakes. Storms, not the lakes, can easily generate waves up to 30 feet in the most sever weather. However, even smaller waves can be dangerous.

When waves break, water is pushed up the slope of the shore. Gravity pulls this water back toward the lake. When the water converges in a narrow, river-like current moving away from the shore, it forms what is know as a rip current. Rip currents can be 50 feet to 50 yards or more wide. They can flow to a point just past the breaking waves or hundreds of yards offshore. You can sometimes identify a rip current by its foamy and choppy surface. The water in a rip current may be dirty from the sand being turned up by the current. The water may be colder than the surrounding water. Waves usually do not break as readily in a rip current as in adjacent water.

Moving at one to two feet a second, sometimes up to eight feet which is faster than any Olympic swimmer, a rip current can sweep even the strongest swimmer away from the shore.

According to both the “Respect the Power” and the National Weather Service websites, if caught in a rip current, try to relax. A rip current is not an “undertow” and will not pull you under. Do not try to swim against the current as this is very difficult, even for an experience swimmer. If you can, swim parallel to the shore until you are out of the current, then swim directly toward shore. If you are tired, tread water and float and call and wave for assistance. The current will carry you to the end or head of the current, where once rested you can swim back to shore.

Some other water safety tips:

1. Learn to swim.

2. Check with a lifeguard or with the park’s current conditions board before entering water.

3. Never swim alone.

4. Never dive headfirst into unknown waters or shallow breaking waves.

5. Piers are navigational structures and not designed as walkways, proceed at your own risk.

6. Do not jump or dive off pier structures.

7. Avoid piers when waves begin to spill over the pier surface.

8. To avoid rip currents, avoid swimming in areas that are discolored with sand and has a choppy or foamy surface.

9. If caught in a rip current, swim parallel to shore (about 30-50 yards) to get out of the rip current before swimming to shore.

10. Protect yourself from the sun. Use sun screen.

Support Sheldon House by donating your items for upcoming sale

By Joanne Bailey-Boorsma
joanne@wktv.org


Clean and usable items may be dropped off on June 25 and 26 at 2929 Ottawa Ave. SW, Grandville. (Supplied)

Have some unwanted items that need a new home? Cherry Health is looking for gently used or new items for an upcoming community thrift sale in support of the Sheldon House, a program focused on breaking the stigma of mental illness.

Cleaned and usable items may be dropped off from 4-7 p.m. Saturday, June 25, and Sunday, June 26, at 2929 Ottawa Ave. SW, Grandville. Items that will not be accepted are mattresses, sleeper sofas, cribs/car seats, tube TVs, stuffed animals, and hazardous chemicals/waste.

If you are looking for assistance in cleaning out, Moxie Life Organizing, which is partnering with Cherry Health for the sale, offers serves from life consulting to full-service decluttering, organizing, and staging.

The sale will be at the same location, 2929 Ottawa Ave., SW, on Wednesday, June 29, from 8 a.m. to 6 p.m. and Thursday, June 30, from 9 a.m. to 3 p.m. Half price items will be available starting at noon on June 30.

Sheldon House is a clubhouse model program that provides support, opportunity and resources to adults with mental illness in Kent County. With the help of personal staff, members attending Sheldon House have a place to feel accepted, needed and supported. Other benefits include gaining skills, obtaining employment, pursuing education opportunities and building a support system.

The upcoming sale proceeds will be used to support Sheldon House’s members who are aspiring to achieve their personal goals and contribute to the communities they live in. Cherry Health’s Sheldon House program is one of 47 Clubhouse Programs in Michigan and among hundreds of clubhouses worldwide. The accredited program provides strong outcomes, including improved physical and mental health, decreased hospitalizations, reduced incarcerations, greater employment opportunities, and increased overall quality of life for those living with mental illness.

For more about the Sheldon House project and the sale, visit the Sheldon House website.

How to unlock tarot to tell your story

By Wayne Thomas
Grand Rapids Ghost Hunters

Tarot and numerology are virtually inseparable and essential to one another. (pxhere.com)

It’s said that Tarot can be used to unlock the mystical power of the “cosmic universe.”

People use Tarot as a tool to help connect with their higher self through spiritual enlightenment, self-awareness, and self- improvement. Readings offer insights into past, present, and future events. Readings can also help people understand particular situations often in areas of career, relationships, love-life, and finances.

It seems Tarot and Astrology complement each other as both are based on four elements; air, water, fire, and earth. Additionally, there is a Tarot card for each Zodiac sign. Each Tarot card corresponds to a different planet, sign, or elemental combination in Astrology. Astrology is considered one of the oldest natural sciences while Tarot is considered one of the oldest mystical sciences.

Tarot and numerology are virtually inseparable and essential to one another. Meanings of numbers can add depth to the interpretation of each Tarot card. Cards are numbered 1-10 in both Major Arcana and Minor Arcana in all four suits and court cards are assigned numbers. Interpreting the meaning of the numbers in combination with either traditional or modern meanings of the card can add extra insights to the reading.

There are several different types of Tarot decks to choose from. One of the most traditional Tarot decks for beginners is the Rider-Waite. A standard modern Tarot deck has 78 cards divided into two groups called Major and Minor Arcana with 22 cards known as Trumps and Minor Arcana with 56 cards. Some of the other interesting Tarot decks include: Elemental, The Black Power Tarot, Light Seer’s Tarot, Modern Witch Tarot, and many more.

A tradition Tarot deck for beginners is the Rider-Waite deck. (pxhere.com)

Tarot reader Esther Joy has been on Grand Rapids Ghost Hunters Podcast for episodes 15, 25, and 38 and was also a guest on Cryptic Frequencies. We first met her while she was reading Tarot at a real haunted mansion now known as the Paddock Place. Esther Joy likes to setup a shrine of sorts, using the positive vibrations of some of her favorite crystals, like amethyst, citrine, rose quartz, black tourmaline, and others. The pageantry is further defined as sacred Palo Santo wood is burned during the reading.

Recently on episode 64, Esther Joy joined the show and read for me from a Cosmic Tarot deck. She’s empathic, clairvoyant, a prophetic dreamer, and an artist. She uses her intuitive powers to help interpret the Tarot cards so people can connect with their higher self and tap into their inner wisdom. For a reading. go to Esther Joy’s Facebook page (Esther Joy Tarot).

To get the most out of Tarot readings it’s important to have a positive mind set about the cards and yourself, with the understanding that Tarot at best is a tool or a kind of compass to guide you in the right direction. If we can get past the stereotypical images of a fortune teller peering into a crystal ball, we might be able to recognize Tarot as more self-reflection than divination.         

What can be recycled in Kent County, and how to do it — tooth paste tube & cap

The soft plastic tube and hard plastic tip of toothpaste. (WKTV)

By WKTV Staff and Kent County Department of Public Works

ken@wktv.org



What can and cannot be recycled in Kent County, and how do it. And what happens to everything else? WKTV Journal, working with Kent County Department of Public Works Resource Recovery Specialist Lauren Westerman, are working to look at specific consumer products and other items and give you the answers.

In this post, we look at that soft plastic tooth paste tube and cap. Does the tube need to be cleaned — can it actually be cleaned? Or is it medical waste? And the cap; hard plastic but is it too small? Here is the lowdown from an expert:

The toothpaste tube and cap are both trash. Even though both the tube and the cap are plastic, neither are able to be recycled at the Kent County Recycling Center. Here’s why:

The toothpaste tube is considered a soft, non-rigid plastic. The Kent County Recycling Center only accepts rigid plastics because soft plastics will not process correctly through the sorting machinery at the facility. The toothpaste cap is considered a rigid plastic but is still not recyclable because of its size. Items that are smaller than about 2 inches by 2 inches will also not process correctly at the Kent County Recycling Center. 


Do you have a question about a specific consumer product or other item? Contact WKTV at ken@wktv.org. Please send a photo of the product and the recycling label if available.

Others in this series:

Holiday Light Strings … https://www.wktvjournal.org/what-can-be-recycled-in-kent-county-and-how-to-do-it-holiday-light-strings/

At-home COVID tests … https://www.wktvjournal.org/what-can-be-recycled-in-kent-county-and-how-to-do-it-covid-19-at-home-tests/

Liquor bottles and their packaging … https://www.wktvjournal.org/what-can-be-recycled-in-kent-county-and-how-to-do-it-liquor-bottles-and-packaging/

What can be recycled in Kent County, and how to do it — COVID-19 at-home tests

By WKTV Staff and Kent County Department of Public Works

ken@wktv.org

What can and cannot be recycled in Kent County, and how do it. And what happens to everything else? WKTV Journal, working with Kent County Department of Public Works Resource Recovery Specialist Lauren Westerman, are working to look at specific consumer products and other items and give you the answers.

In this post, we look at those at-home COVID-19 rest kits — part plastic, part cardboard packaging and paper instructions, part that nasty stick you stuck up your nose and other medical materials. Maybe you want to just toss everything in the nearest trash can, but should you? Here is the lowdown from an expert:

(If you received the kit in the mail, remember to look for a recycling label on the mailer.)

Does your mailer envelope have a recycling label? (Kent County)

Remove the test supplies from the paperboard box. Flatten the box and place it into your curbside recycling cart. The paper instructions can also go into your curbside recycling cart. The box and paper will head to the Recycling Center where it is sorted out from non-paper items, baled, and transported to a local paper mill to be processed into a new paper product that can be used again.

After performing your COVID-19 at home test, throw away the swab, the wrapper from around the swab, the test card, the test card’s soft plastic pouch, and the empty plastic dropper bottle.

The only piece remaining is the hard plastic piece that (possibly) held all the various test pieces. If this hard piece of plastic has a recycling symbol on it, then it may be placed into your curbside recycling cart. The plastic will be sorted with similar rigid plastics at the Recycling Center, shipped to a facility where the plastic is flaked or pelletized, and eventually remolded into a new plastic item.

Do you have a question about a specific consumer product or other item? Contact WKTV at ken@wktv.org. Please send a photo of the product and the recycling label if available.

What can be recycled in Kent County, and how to do it —  Holiday light strings

The actual lights and wires cannot be directly recycled but properly disposed of in available receptacles they will not go into he landfill. (Pixere)

By WKTV Staff and Kent County Department of Public Works

ken@wktv.org


What can and cannot be recycled in Kent County, and how do it. And what happens to everything else? WKTV Journal, working with Kent County Department of Public Works Resource Recovery Specialist Lauren Westerman, are working to look at specific consumer products and other items and give you the answers.

In this post, we look at those annoying strings of holiday lights that no longer work. Packaging often does not have any recycling information. But what does that mean? Here is the lowdown from an expert:

Many part of the packaging for holiday lights are recyclable, but not all. (WKTV)

Holiday string lights are considered electronic waste.  They cannot be recycled through single-stream or curbside recycling collection programs.  Kent County Department of Public Works (DPW) has collection bins for holiday string lights at both North Kent Recycling & Waste Center and South Kent Recycling & Waste Center or they can be brought to our electronics recycling collection programs.  After Kent County DPW collects the string lights, they are taken to an electronics recycling company where the various component parts (types of metal, wires, plastics, glass, etc.) are separated and recycled accordingly. 

When you purchase new holiday string lights, there are a few different parts of the packaging to be aware of when it comes to proper disposal.  If the lights come in a box, empty the cardboard box, flatten it, and place it into your single-stream curbside recycling cart.  If you have any soft and flexible plastic packaging, tape, or twist-ties, place them into the garbage.

Do you have a question about a specific consumer product or other item? Contact WKTV at ken@wktv.org. Please send a photo of the product and the recycling label if available.

Financial Perspective: Financial planning for the divorced woman: you are in control

By Dave Stanley
Integrity Financial Services, LLC


Photo from Pxhere.com

If you’re a woman, who is divorced, in the process of divorcing, or is contemplating a divorce in the near future, understanding a few key things about the financial implications of a marital dissolution will go a long way toward helping you regain the confidence you need to take control of your wealth.

After a divorce, some women, especially those whose spouses were in charge of the household finances; find themselves in the confusing and uncomfortable position of having to learn personal finance from scratch. They now have no choice except to take responsibility for earning, saving, paying bills, and investing for retirement.

It’s unfortunate that many divorced women find themselves faced with some unpleasant and unanticipated realities in their post-marriage lives. For example, women often greatly underestimate the costs involved in the divorce process itself. The website Divorcestatistics.info puts the average cost of a divorce in America at around $15,000.

Beyond the legal costs, things such as lack of financial literacy, standard office expenses, the need to hire valuation and other financial experts, and even the emotional states of the divorcing couple can contribute to the high price tag a divorce usually carries.

Divorcing women face other nasty surprises


• Health insurance costs are often more than they envisioned. Usually, divorced women will have to pay their health insurance premiums, which can be staggering. Nationally, health insurance premiums have been increasing by an average of 5% every year, for the last six years. In some states, coverage for a single woman can be more than $1,000 per month!
• They need to find a job as soon as they can. Economic necessity can mean that some divorced women will see they need to start working quickly. Those who were stay-at-home wives and mothers may not have had time to acquire new skill sets or update their existing skills, making it difficult to get hired or get better wages.
• They could find themselves homeless. In a typical divorce, the family home can be the most valuable financial asset as well as a big bone of contention. If divorcing women do want to stay in the home because they have young children or due to an emotional attachment, they may have to fight to keep it. Fighting with an ex-spouse over the home is an expensive and time-consuming process that could quickly deplete any savings and create even more stress.
• Alimony and/or child support is not what they thought it would be. For whatever reason, some divorced women overestimate how much money they feel their ex-spouse should pay in spousal or child support. The amounts arrived at during the divorce process may be much, much less than anticipated.

These and other unwelcome surprises in the aftermath of a divorce don’t have to spell disaster, though. With a little pro-active “divorce planning,” you can lessen the sting of the process and begin to regain control over your financial future.

Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or  Register for Dave’s FREE Newsletter at 888-998-3463  or click this link:  Dave Stanley Newsletter – Annuity.com  Dave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.

Financial Perspective: Retirement planning for singles and unmarried couples

By Dave Stanley
Integrity Financial Services, LLC


Photo from Pxhere.com

Retirement planning is crucial enough as it is for a married family. Still, it becomes even more critical for singles or unmarried couples considering that they are not accorded the same tax breaks and advantages which a couple gets upon marriage. Statistical studies report that single women are the fastest-growing group of home buyers, while the number of married families buying a house has dropped by 10% in the last ten years.

With increasing divorce rates and increased tolerance of non-traditional definitions of the concept of a family, the taxation laws have not been able to keep up with the growing purchasing power and numbers of people who fall into the definition of singles or unmarried couples, including divorcees, same-sex couples and singles living in an extended family with other members. What proactive financial planning steps can people who fall under these characterizations take to ensure a secure future?

If you live with a partner, the best thing you can do is be transparent about your finances and discuss all expenses and bills payable, to work out a satisfactory arrangement. This could mean a pooled fund for monthly payments and joint assets, while payments towards significant individual assets are paid for the owner(s).

Remember that there will be no legal recourse in case of a split and the asset not being in your name. If you have joint ownership of assets, contact a lawyer to put in writing arrangements for the distribution of assets in case of a split. A commonly availed arrangement for partners buying a home is under a JTWROS or joint tenants with the right of survivorship. A living trust can be set up to avoid the gift tax, which would be payable for transferring property to the surviving partner.

Funds in 401(k) plans, IRAs, and other retirement plan vehicles will not automatically be transferred to the survivor, as in the case of a spouse. Take special care to nominate your partner as the beneficiary and change as and when necessary if you are single. Write powers of attorney for each other, which would only come into effect in the sudden demise of one partner, or extreme disability. Note that unmarried couples do not have a right to each others’ social security benefits. IRA rollovers from one partner to the other are also taxable, unlike those for a married couple.

Also, laws governing rights over assets and responsibilities for joint debts may vary depending on the state of residence and the contracts signed with financial organizations.

All this means is that for single and unmarried live-in couples, retirement planning needs to be taken a bit further than that done by a married couple to offset the lack of clarity in governing laws and tax benefits. Everything has to be put down in writing in clear terms. It is generally advisable to consult a financial planner and set your finances to go in the right direction before jumping into a long-term live-in arrangement.

Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or  Register for Dave’s FREE Newsletter at 888-998-3463  or click this link:  Dave Stanley Newsletter – Annuity.com  Dave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management

Perspectives: From the NBA to annuities, from free throws to guaranteed income

By Dave Stanley
Integrity Financial Service, LLC


I recently read an article about Shaquille O’Neal and his after basketball life that was truly amazing. Did you know in his 19 -year NBA career, he earned a total of $292 million in compensation? He was the highest-paid player over that time period, making enough money for a couple of hundred families to live in complete comfort. With the athlete’s age, we have watched salaries skyrocket to levels we cannot comprehend as just regular folks.

Shaq was one of the all-time greats, and he proved it on and off the basketball floor. Did you know he also starred in movies and had three very successful records with more than 1.3 million copies sales? Shaq became a brand, and he used his celebrity to put in place a money-making machine for his retirement from basketball.

The article mentions his endorsement life: products we know nationally, such as Buick, Icy Hot, Reebok, Zales, Foot Locker, Arizona Tea, and many more. The list includes more than 20 products and companies. His endorsement income is now greater than his salary as a top NBA center, and more to come.

Shaq is booked all day, every day, in a nonstop worldwide promotional endorsement and entertainment tour. In addition to product endorsements, he is also a TV analyst, an international motivational speaker, and a private party DJ. Yes, you can have Shaq come to your house for 2 hours, have him DJ your party for only $50,000.

It was estimated he could earn more than a BILLION dollars in just his endorsement career. Certainly a lot of money and reason to be concerned about how the money is invested and protected to ensure his and his family’s financial security.

In the article, he was asked about the income he is now earning. He said, “I don’t pay any attention to the money. If I lose it all, it is no big deal, myself and my family are already financially secure because when I started in the NBA, every year I invested in annuities.”

Annuities now provide more income than myself and my family need. The money I earn now is just for fun.”

Annuities? Yes, a man who in his lifetime will earn in excess of a BILLION dollars is depending on annuities to guarantee his financial future.

Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or  Register for Dave’s FREE Newsletter at 888-998-3463  or click this link:  Dave Stanley Newsletter – Annuity.com  Dave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.

Financial Perspectives: Should you have debt when you retire?

By Dave Stanley
Integrity Financial Service, LLC


“Obligating yourself with debt is borrowing against your future income, be careful, that obligation can cause big problems when you retire.”  Dave Stanley

Unless your parents made some weird deal with the hospital, you were probably born kicking and crying but debt-free. In a perfect universe, you would have remained that way, spending most of your life as solvent as possible. Then you would skip blissfully into retirement without being shackled to a boatload of debt. You’d have a million in your 401k, maxed out life insurance policies, and guaranteed income from annuities.

The reality, however, is a lot different for most pre-retirees and retirees. Life has its’ own plans, and sometimes it goes off the rails a bit. Even the best-planned people can end up underwater, sideways, and paying lots of unexpected bills. According to financial researchers, more than 41 % of Boomer retirees have credit card debt, and another 35% have car loans with balances over $14,000. Many older retirees also carry debt into retirement, although the number is substantially less.

 

How can debt impact retirement?

You may be thinking, “So, why is having debt so terrible? I have cash flow from my retirement accounts that I can use to pay it. Is it that much of a problem?

The answer to those questions, unfortunately, is “Yes.” Many retirees discover that having a lot of debt when you no longer work means having a more stressful, hand-to-mouth existence that could last 30 or more years after leaving the workplace.

Even worse, debt might be the tipping point that causes some retirees to run out of money long before they die. Having a lot of debt significantly constricts cash flow, making it difficult, if not impossible, to maintain emergency funds, pay for vacations and leisure activities, and pay for out-of-pocket health care costs and preventative medicine.

While many who are planning their retirements believe that having some money in the market will offset some of the problems created by debt, they forget that even historic market gains cannot offset high credit card rates. Often, we forget about the toll that anxiety over finances takes on our health and emotional well-being. Having debt hanging over one’s head can also cause various mental and physical ailments that could reduce life expectancy or require nursing home care. 


How much debt is acceptable?

Those close to retirement are probably wondering how much debt they can bring with them and not feel too impacted. There are rules of thumb in the financial services industry that say you should have no more than 28% of your pre-tax household income servicing principle, insurance, interest, and taxes on a mortgage and no more than 36% of that income to consumer debt payments.

 

That’s while you are still drawing a paycheck.

In my opinion, when you retire, the numbers should be much, much more conservative. If you find yourself rapidly nearing retirement and saddled with debt, you may want to consider other options. To pay off debt and still keep saving for retirement, you might try working a few years past your ideal retirement age, getting a second job or part-time “gig,” selling off things you don’t want or need, or perhaps negotiating lower interest rates on loans.

In most cases, you want to pay the high-interest debts first and not worry as much about the mortgage, especially if you have a reasonable fixed rate and continue to get the mortgage interest tax deduction. If you don’t have an ideal rate, consider refinancing to shorter terms or lower interest rates.


The final word:

Because individual financial situations differ, the amounts of debt that can potentially impact retirements will be different for everyone. In general, though, it’s a good idea to pay off as many debts as possible before you decide to retire. If you are already retired or are about to, consult a competent retirement specialist to find debt reduction strategies that are best for you.


Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or  Register for Dave’s FREE Newsletter at 888-998-3463  or click this link:  Dave Stanley Newsletter – Annuity.com  Dave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management

8 ways to keep your sanity this season

Flip the switch on how you approach holiday gatherings to focus on joy. (Courtesy Spectrum Health Beat)

By Health Beat staff


It’s that time of year again. The time when, for some of us, the thought of family get-togethers and holiday parties causes stress and anxiety well before the dates and times are confirmed.


Adding pressure to your busy schedule might be jet-lagged in-laws, moody teens or a coworker that rubs you the wrong way.


And, let’s face it, the country is divided. There’s anger, finger-pointing and blaming that can spill over into your relationships under normal circumstances, relegating November and December to a time of endurance rather than enjoyment.


How are you to cope with such a cocktail of human quirks amid the heightened tensions of holiday expectations? And, no, the answer is not more cocktails.


The following tips from Spectrum Health psychotherapist Anya Nyson, LMSW, won’t give you unique gift ideas or ways to carve out more time.


Instead, her list will make you more aware of yourself and others so you can see things from a different perspective.


“Practicing the following mental tools can help you more fully enjoy what you are wired for—connection and belonging,” she said.

1. Cultivate flexibility

You made elaborate New Year’s Eve plans and paid an inflated price to get into a well-advertised party.


You imagine for weeks how amazing the night is going to be. As the night comes to a close, you’re disappointed it didn’t live up to your expectations.


Conversely, remember that party you forgot about until the day of? You dreaded going and complained silently, but went anyway only to be pleasantly surprised by how nice it was.


“Think of expectations as disappointments waiting to happen,” Nyson said. “Rather than having expectations, cultivate flexibility instead.”


Work on catching yourself dreading a holiday dinner at your in-laws. Then, say to yourself, “I have no idea how this is going to go, but whatever happens, I’ll roll with it.”

2. Be realistic and kind to yourself

You don’t want to make pies from scratch, but you tell yourself you should. You want two helpings of mashed potatoes, but think you shouldn’t go for seconds.


“Your worth as a person is not contingent on your flaky homemade crust and fluffy whipped cream nor for only having one helping of potatoes,” Nyson said. “Try this trick the next time you say should or shouldn’t to yourself: Replace the word should with ‘don’t want to.’ Replace the word shouldn’t with ‘want to.’”


Example:


‘I should make pies from scratch’ becomes ‘I don’t want to make pies from scratch.’


‘I shouldn’t have seconds’ becomes ‘I want seconds.’


“The reworded statement is your truth,” she said. “When you don’t mind doing something, you don’t have to tell yourself you should do it, you just do it. Shoulding is an attempt to guilt yourself into doing or not doing what you think you should or should not do. By being honest with yourself, you’re eliminating the guilt. This truth allows you to choose to do something or not rather than pressuring or shaming yourself.”


Also, if there are any negative comments about your store-bought dessert, you can tell them they will find you being well-rested and in a good mood more palatable than your homemade pie.

3. Don’t poke the bear

You have an overt, or covert, rivalry with your sister-in-law, and you can’t wait to brag about the promotion you received or your children’s many accomplishments.


“When you want to humble-brag, inquire instead how they’ve been since you saw them last,” Nyson said.


Reciprocity is more likely to keep a conversation going and allow you to share. Sincere tellings of achievements are better received than trying to one-up others and help build the relationship rather than drive a wedge in it.


Or, perhaps you find teasing your goth nephew, with his stringy black bangs covering his face, a fun way to get the room laughing and to pass the time before dinner. Rather than belittling your nephew in front of everyone, ask him what his favorite video game is and keep the conversation going. Get to know him as a person rather than judging him.

4. Don’t take the bait

Does Grandpa George feel compelled to share his political views because it’s his house? And, how many times has he reminded everyone he worked hard and paid his taxes, not like those youngsters?


As much as you want to point out to Grandpa George how things have changed since his day, you won’t change his mind, so don’t even go there.


Instead, prepare pat responses ahead of time that you can use repeatedly. Use a sincere tone and say something like, “You are a good man, Grandpa,” or “We appreciate all you’ve done, Grandpa,” and move on. It helps to think of your responses ahead of time, so you have them at the ready.


“Bonus: This is a great parenting tool,” Nyson said. “Rather than arguing with my teens when they didn’t like a no response, I would say, ‘I love you too much to argue,’ in a loving voice, then say nothing else. They quickly learned that this meant I was not going to argue with them, thus eliminating badgering.”

5. Accept that others don’t have to share your values

Do you think Grandpa George should keep his opinions to himself? Do you think your family shouldn’t eat turkey because you’re a vegetarian?


‘Shoulding’ on others will only result in anger and frustration for you. You get angry at others when they don’t do what you think they should, or do what you think they shouldn’t.


Try this trick next time you catch yourself saying should or shouldn’t about someone: Replace the word should with ‘doesn’t have to.’ Replace the word shouldn’t with ‘can.’


Example:


“Grandpa George should keep his opinions to himself” becomes “Grandpa George doesn’t have to keep his opinions to himself.”


“My family shouldn’t eat turkey” becomes “My family can eat turkey.”


“Practicing this helps to remind you every person is unique, and they are not wrong or less than because they have different values from yours,” Nyson said.

6. Don’t personalize

Did your mother make a passive-aggressive remark about how she thinks women with long grey hair look like witches? Do you think she said it because you stopped coloring your hair six months ago?


Or, do you believe your father-in-law talks on and on about his financial portfolio, golf handicap, boat and vacation home as a way to make you feel inadequate?


“It is one of the most liberating things you can do for yourself once you no longer personalize what others say,” Nyson said. “What others say is 100% about them because it is based on their values and beliefs. Consider their history and perspective and how that plays into what they say.”


Think of your mother’s generation and what was considered attractive in her era. In her day, women with long, grey hair were grannies in muumuus with no bra. In her day, coloring your hair when it turned grey meant you wouldn’t be that kind of old lady. Things have changed for your generation, but she still has her long-set beliefs.


Maybe your father-in-law grew up believing a person’s value came from what they had, and he’s showing his value to you. Consider his generation and beliefs. They are not about you.

7. Instead of ‘I have to’—say ‘I get to’

A coworker asks you what your plans are for the holidays. You say, “Ugh. We’re exchanging gifts at my partner’s family’s house.”


“Negative thoughts create negative emotions,” Nyson said. “In this case, perhaps dread, annoyance or resentment. A quick reframe is to replace ‘have to’ with ‘get to.’”


“I have to go to my partner’s family’s house,” becomes “I get to go to my partner’s family’s house.” A positive thought will create positive emotions. Using this trick can reduce your level of negativity.

8. Practice self-care before, during and after

Slowing your breathing will slow down your heart rate, helping to reduce your anxiety. The go-to breathing technique Nyson teaches people for anxiety goes like this:

  • Inhale for a count of 4
  • Hold your breath for a count of 4
  • Exhale for a count of 6
  • Hold for a count of 4
  • Do several rounds, then return to your normal breathing.
  • Repeat as needed.

Practice mindfulness meditation.


“Your mind’s job is to think, so you’re not going to stop it from doing its job,” Nyson said. “The goal of mindfulness meditation is to keep your mind in the present moment, noticing your thoughts, emotions, body and external stimuli without judgment. You can significantly improve your mood and outlook on life by making this a consistent practice.”


Using mindfulness apps is a great tool to help. Nyson recommends the app Headspace as a great way to start and maintain the practice.


Maintain a gratitude list. “Identify three unique things you’re grateful for each day,” Nyson said. “I recommend keeping a running list in the notes on your phone or in a journal. By doing this, you can look back and reinforce all the reasons you have to be grateful.”


Don’t overindulge. Alcohol lowers your inhibitions, but it also increases impulsivity by slowing down the activity in the prefrontal cortex, the part of the brain responsible for rational thought and decision-making.


You know you need sleep, and you know the reasons why. Value your needs over cultural expectations.


“You will feel better when you listen to the wisdom of your body,” Nyson said.


Use a mantra. Repeat a word or phrase to increase your input of positive thoughts. One method is to link it to your breath. Inhale what you want to take in and exhale what you want to send out. Here are a few examples:

  • Inhale: I am loved. Exhale: I express love.
  • Inhale: I can do this. Exhale: This, too, shall pass.
  • Inhale: Joy to me. Exhale: Joy to the world.

“‘Be the light. See the light’ is my mantra,” Nyson said. “Inhaling while thinking, ‘Be the light’ reminds us to be kind to others and to be a force for good in the world. Exhaling, ‘See the light’ prompts us to see what is right in others and the world.”


Choose to be the light at your holiday events. Choose to see the light in those to whom you connect.


“Imagine the holidays if we all worked on this,” she said.


Reprinted with permission from Spectrum Health Beat.






It’s never too late to find a new hobby

Courtesy Vista Springs Assisted Living

By Vista Springs Assisted Living


With the gentle passing of time, and as we grow in experience and maturity, we can sometimes find ourselves getting bored with the hobbies that we’ve been enjoying for many years. That’s not to say that the hobbies haven’t been pleasant, but at this point, it just may seem like—something is missing.


Having more time in retirement offers the opportunity to expand our knowledge base in new, exciting places. Not only can this be a fun journey, but it also offers tremendous benefit to health, happiness, and mental sharpness.

An opportunity to turn dreams into reality

A large percentage of people who retire eventually elect to downsize from a large home, condo, or co-op to an assisted living community that can better meet the needs of aging adults. Their lives may have changed dramatically, and they now feel the emotional need for a comfortable transition to a more relaxed and fun-filled lifestyle that is more suitable for aging adults.


Moving into a well-run, friendly and luxurious assisted living community can be an excellent opportunity to make new friends, try a few new things and discover new passions. Let’s be frank, who doesn’t want more leisure time to enjoy life’s pleasures? This remains the case for those dealing with health challenges and disabilities.

Exciting new activities

With assisted living activities, the objective is helping people enrich their lives in a new home and friendly community. These activities encourage people to have fun and try new things whether it’s learning to play chess, learning to play pool, or exploring computer classes where they can send and receive photos of their adult children, grandchildren, and their siblings. They may not physically be able to visit foreign countries, but they can take a tour via the internet.


Assisted living activities like arts and theater appreciation improve the quality of life for both caregivers and loved ones. Artistic expression can put a sparkle in their eyes and an uplifting sense of achievement.


For those who have had a burning desire to create and develop a blog, write a children’s book, or try their hand at poetry, assisted living creates an ideal and safe environment for this type of artistic exploration.


Gardening is also an extremely popular choice. It provides community members with the opportunity to experience nature in a very intimate and personal way. It’s also perfect for stress relief, relaxation and heart health. Nurturing and caring for a tiny and delicate flowering plant as it slowly grows into a magnificent work of nature can be an incredible experience.


There are so many activities that can ignite a fun and active spirit no matter the participant’s age. And even if it’s something entirely new to you or your loved one, the key element is finding the strength to embark on something new. Who knows? It just may be the key part to discovering a brand-new passion in life.


Reprinted with permission from Spectrum Health Beat.






4 financial planning tips for post-retirement health expenses



By Vista Springs Assisted Living

 

The topic of savings and expenses becomes heavily-discussed as more and more adults reach retirement age and no longer can rely on a steady income. There are many areas that seniors need to have plans in place for post-retirement, including living expenses, daily costs, gifts, vacations, and—most importantly—healthcare.

 

While Medicare will help out with covering some healthcare costs, there are still a lot of important healthcare expenses that come directly out-of-pocket. It’s important to seriously consider the care costs you will likely encounter as you age, and make plans for how you will pay for these needs. Here are four tips for how you can approach financial planning for post-retirement healthcare expenses.

1. Learn what Medicare doesn’t cover

Medicare, or federal health insurance for those 65 and over, is the main way that seniors plan to take care of medical expenses after retirement. Medicare covers many things including hospital visits, general medical insurance, and some prescription drugs, but it doesn’t cover everything. In fact, some major medical expenses that most—if not all—seniors need aren’t even partially covered under basic Medicare plans, which can lead to problems for seniors who don’t have another plan in place.

Dental

Having good dental health and receiving dental care is incredibly important to ensure that your retirement years aren’t spent in pain. However, Medicare doesn’t cover routine or complex dental procedures—causing many seniors to make the mistake of skipping out on dental care altogether.

Vision

While Medicare does cover the cost of eye disease and injury treatments, it doesn’t cover routine vision care like annual appointments and eyeglasses, all of which can lead to major out-of-pocket expenses.

Hearing

Common hearing treatments that seniors often need as they age, like hearing aids, are not covered through Medicare. A good pair of hearing aids can help you stay communicative and social as you age, as well as significantly reduce your chances of developing memory diseases, but paying for them yourself can be expensive.

Long-term care

Medicare will only pay for long-term care housing like a nursing home if it is directly related to the recovery of a specific medical procedure. It won’t cover activities of daily living or instrumental activities of daily living, which many seniors need as they age. Examples of necessary care services not covered under Medicare include:

  • Eating
  • Bathing and personal care
  • Toileting
  • Money and financial management
  • Medication distribution and management
  • House maintenance and cleaning
  • Moving to a wheelchair or in and out of bed

2. Know your family history

You can try and predict what medical expenses you might need to plan for by taking a close look at your family’s medical history. If you see patterns or know that certain diseases and medical problems have affected your family in the past, you can take the necessary steps to address paying for those concerns should you have them as well.

 

It’s also a good idea to examine your own life choices and see if there are any habits or behaviors—such as smoking—that might contribute to a significant medical care expense after you hit retirement age.

3. Explore Medicare Advantage plans

While Original Medicare, or Medicare Parts A & B, don’t cover any of the areas mentioned above, there is a chance that a Medicare Advantage Plan might pick up some of the slack for important vision, dental, and hearing medical expenses.

 

There are lots of different types of Medicare Advantage plans, such as:

  • Health Maintenance Organizations
  • Preferred Provider Organizations
  • Private Fee-for-Service Plans
  • Special Needs Plans
  • Medicare Medical Savings Account Plans

Each type of Advantage plan has different associated costs and coverages, so it’s important to explore the different options and find a plan that meets your care needs while being affordable within your healthcare budget.

4. Start planning & budgeting now

Every day that you wait to make a plan for unexpected healthcare costs is a day where you might might not have enough savings. It’s important to take action today to plan for your important medical expenses and start creating a budget and looking into different funding options for senior health expenses.

 

You can speak with a financial advisor or go through your finances yourself to see where your spending can be cut and put into a retirement fund or health savings account. If you are already retired, think about ways you can save money and reduce daily costs to plan for healthcare expenses in the future.

 

Finally, while it’s not fun to think about, the reality is that 70% of seniors will need long term care and those odds include you. Start exploring options like assisted living today so you can have a plan already in place when the time comes to make the move to a senior care community.

 

Reprinted with permission from Vista Springs Assisted Living.

 

 

Talking to a loved one about assisted living

Courtesy Vista Springs Assisted Living

By Vista Springs Assisted Living


Independence, the ability to age in place with the necessary care services, the cost savings compared to other care options, and the lively, active communities that are so different from traditional fears of nursing homes are all reasons why assisted living is an obvious choice for a senior care community. But it’s still not easy to talk to a loved one about making the big move. 


Putting off the conversation can lead to serious long-term consequences, so it’s important to have that discussion sooner rather than later—no matter how difficult it is. Here’s some of the best ways to plan for an open and honest talk with your loved one about making an assisted living community their new home. 

Signs to look out for

There may be a single specific reason or several smaller ones for wanting to move your loved one to an assisted living community, but here are a few common signs to be on the lookout for as your loved one ages.

  1. They are isolated are no longer socializing with others
  2. You aren’t sure if they are eating, or they are losing weight and consistently have an empty fridge
  3. They can no longer drive, or don’t have reliable transportation to necessary places (such as the doctor’s office or the grocery store)
  4. They have a steadily declining hygiene
  5. They have lost interest in activities they used to enjoy
  6. Their house is becoming dirty and cluttered
  7. They can’t remember where they are and get lost in familiar places—or are becoming forgetful in general (forgetting to pay bills, take important medications, turn off the oven, or take out the trash)
  8. They have fallen and injured themselves at home
  9. They need to be checked in on regularly
  10. They frequently need medical care

Prepare beforehand

It’s important that you go into the conversation with a solid plan. Get the essential family members—such as your siblings—involved and ensure that all of you are on the same page about what you want to talk to your family member about. You don’t want the conversation about assisted living to turn into a family argument, which only adds stress to an already stressful topic of discussion. 


It’s also important that you learn about different senior care options and go into the conversation informed—especially about why you recommend assisted living over a nursing home or home care. Have a list of communities that might be good fits and a detailed explanation of what types of daily care services and skilled medical care they provide at the ready. 

Find the right time

Picking the right time to bring up assisted living is essential to ensuring the conversation is productive. Make sure you do it in person, not over the phone. This will likely be a conversation that takes some time, so don’t try and squeeze it into a packed day. Make it a priority and clear your schedule. 


However, don’t hold the conversation during a holiday or family reunion—these events are special and you shouldn’t put a loved one on the spot during a happy celebration. Ensure that you find a neutral day and gather the family to talk to your loved one in a group setting that is comfortable, not accusatory. 

Communicate clearly

During the conversation, it’s important you stay calm and don’t let your emotions overtake the discussion. Be honest and upfront about your intentions during the talk, but don’t try to push your loved one into a decision that they aren’t yet ready for

Conversation starters

  • “Do you feel safe at home? Are you worried about what would happen if you fell or hurt yourself and no one was around?”
  • “Are you struggling with remembering important things?”
  • “Do you need help around the house that isn’t being provided right now? Are you able to cook meals and get to the store?”
  • “Do you miss being close to your friends or having plans for things to do?”
  • “Are you concerned about what’s going to happen to your independence or mobility as you age?”
  • “Would you like to feel more secure and have a community around you for support?”

Work together

The first conversation about assisted living shouldn’t be an immediate decision—after all, your loved one’s opinions and feelings should be at the center of the discussion and they need to be comfortable with moving forward. Working together to find the right community is key to ensuring that your loved one feels respected and included throughout the process. 


Research together with your family member and go on community tours with the family to help them feel confident in their choice of a new home. Remember—this is an incredibly difficult task your loved one is about to face. But by keeping their feelings at the heart of all decisions, the conversation about assisted living can lead to great things for your loved one. 


Reprinted with permission from Vista Springs Assisted Living.





The importance of a good night’s sleep for seniors

Courtesy Vista Springs Assisted Living

By Vista Springs Assisted Living


As people age, the odds of having a sleeping disorder rise dramatically. Many older adults either can’t fall asleep at night, wake up too often, or can’t breathe properly while trying to sleep. In fact, 40% of seniors struggle with serious health problems as a result of poor sleeping habits and a general lack of sleep. 


What are the senior health problems that arise from not getting a good night’s sleep? And what can you do to help combat sleep deprivation? Look through this blog to get the information you need about seniors and sleep—along with ideas on how you can fix your sleeping habits before bedtime tonight. 

What constitutes a ‘good night’s sleep’?

There’s a common misconception that seniors don’t need as much sleep as other adults, which has likely arisen due to the large number of seniors who struggle to get enough sleep. However, that’s just not true. Seniors need the same amount of sleep as they did when they were younger. All adults over 20 years of age need somewhere between 7-9 hours of sleep per day.

Why seniors don’t get enough sleep

The main causes of sleep deprivation in seniors can usually be linked to two different sources—insomnia or sleep apnea. 

Sleep apnea

Sleep apnea is a disorder that occurs when breathing patterns are interrupted during sleep. This limits the flow of oxygen to the brain, which in turn causes you to wake up in order to correct the breathing error. While there are certain groups of people who are more likely to have sleep apnea, it generally becomes more common as you age.


If you suspect you might have sleep apnea, talk to your doctor. They might be able to give you tips on lifestyle changes that will reduce your overall risk, or help you get a CPAP machine or other device that can help open up your airways.

Insomnia

Insomnia is a sleeping disorder characterized by an inability to fall asleep or an inability to stay asleep. Seniors often get insomnia from:

  • Side effects of medications needed for other health problems
  • Anxiety and stress about aging
  • Other health-related issues such as chronic pain

The dangers of sleep deprivation on senior health 

The number one danger of sleep deprivation is daytime fatigue, a condition that makes people extremely tired throughout the day—although they don’t fall asleep as a result of their sleepiness. Instead, they suffer from:

  • An inability to complete simple tasks
  • Memory problems
  • A lack of concentration
  • Lowered energy levels
  • A lack of motivation
  • Decreased interest in socialization
  • Irritability
  • Depression

In addition to daytime fatigue, sleep deprivation can lead to a number of other serious health issues like:

How to improve your sleeping habits

With sleep deprivation being such a dangerous issue for seniors to contend with, it’s important that immediate steps are taken to fix sleeping habits. Try avoiding taking sleep medication if you can—it can be expensive, habit-forming, and comes with its own side effects. Instead, use mediation and prescriptions as a last resort and first try natural ways to improve your sleep. 

Create a sleeping routine

A nighttime routine can help signal to your brain that it’s time for bed, which is especially helpful if you struggle with insomnia. A routine can include things like:

  • Taking a warm bath before bed
  • Drinking a glass of water
  • Winding down with some light reading and relaxing music
  • Turning off all lights
  • Going to bed at a consistent time (and waking up at the same time each day)

Avoid certain behaviors at night

Sometimes engaging in certain behaviors or activities before bed can hurt your chances of getting a good night’s sleep. Things to avoid before bed include:

  • Watching TV or using smartphones and other electronics
  • Eating heavy meals before bed
  • Drinking anything with caffeine or alcohol before you try and sleep
  • Drinking excessive amounts of alcohol during the day
  • Smoking right before bedtime
  • Exercising at night

Optimize your room for sleep

There are simple changes you can make in your apartment and bedroom that can help you improve your sleeping habits, such as:

  • Making your room dark
  • Keeping the temperature cooler at nighttime
  • Taking electronics and TVs out of the bedroom
  • Creating a noise level that lulls you to sleep—usually either silence or a soft white noise
  • Removing distracting or unnecessary lights and sounds in your room
  • Using your bed only for sleeping, not for relaxing in during the day

It’s essential that seniors get to sleep at night, or you can risk coming down with some serious health problems. By being aware of how much sleep you should be getting and taking immediate action steps, you can improve your sleeping habits and get the right amount of rest as you age.


Reprinted with permission from Vista Springs Assisted Living.






From tent to table

Think fun and healthy for your next outdoor adventure. (Courtesy Spectrum Health Beat)

By Sue Thoms, Spectrum Health Beat


Camping trips brim with healthy fun.


We hike, swim and paddle. We run until we’re breathless.


We get close to nature, inhale fresh air and gaze at the stars.


All those outdoor activities require fuel. And with a little planning, the camping menu can be just as healthy—and fun—as a day at the beach, says Angela Fobar, RDN, a Spectrum Health dietitian.


A mom with three young children, Fobar has spent many nights at campgrounds with her family, both in a tent and a camper. They roast marshmallows over the campfire and eat their share of s’mores.


But as a dietitian with Spectrum Health Zeeland Community Hospital, Fobar also looks for ways to eat healthy on vacation. In her pre-trip grocery shopping, she opts for kid-friendly foods that deliver good nutrition.


And simplicity is key.


“It’s camping,” she said. “You want to spend your time relaxing, hanging out and doing activities—and not spend an hour making an elaborate meal.”


She shared three tips for keeping nutrition on track, even when you’re sleeping in a tent or camper.

One-pot (or packet) meals

“We like to cook a lot of our meals over the fire,” Fobar said. “To do that, I think, takes a little planning.”


She creates foil packets that combine some form of protein—chicken or shrimp, for example—with assorted vegetables, olive oil and spices.


A favorite packet dinner combines turkey sausage with potatoes and green beans. You can vary the spices, adding Italian seasonings or a fajita flavor.


“I think that’s the fun of it,” she said. “You can mix and match whatever you want.”


The ingredients can be cut and prepared at home before the trip. You can assemble the packets at home or at the campground. (Combinations suggested below.)


And if you don’t want to make individual servings, you can combine the ingredients in a cast-iron skillet and cook the dinner over a fire.


If she uses a camper and has an electric hookup, Fobar often prepares one-pot soups and stews in a Crock-Pot.


This recipe for Six-Can Tortilla Soup, found on allrecipes.com, works especially well for a camping trip because the ingredients don’t require refrigeration. The tasty soup combines canned chicken with beans and other ingredients.


Because some canned goods are high in sodium, she advises looking for salt-free or low-sodium options.

Fire-grilled pizza

Using a cast-iron pizza pan over a campfire, Fobar makes pizza dinners that her family calls “hobo pies.”


Using bread as the crust, they layer pizza sauce, cheese and a variety of toppings. She usually makes hers meatless, but the toppings available can vary with a family’s tastes.


“It’s fun because the kids get involved,” she said. “They can choose whatever ingredients they want to add.”

Fruits and veggies

Even when camping, you can still get at least five servings of fruits and vegetables a day, Fobar says.


“I like to cut up fruit ahead of time so I have tubs of fruit available,” she said.


She also keeps a tub of veggies on hand. Often, she chooses ones that require no prep—carrots, baby tomatoes, sugar-snap peas.


Having a stockpile in the cooler or a camper fridge makes it easy to add fruits and veggies to every meal.

Packet meal recipe

Use one of these combinations for a one-pot or foil packet meal. Or feel free to vary them and concoct your own.

  • Turkey sausage or kielbasa, red skin potatoes, onion and green beans. Season with salt, pepper, garlic and rosemary.
  • Apple chicken sausage, sweet potatoes, red onion and Brussels sprouts. Season with salt, garlic, thyme and cinnamon.
  • Chicken, onion and red, yellow and green peppers. Add fajita seasonings.
  • All veggie: broccoli, carrots, cauliflower, cherry tomatoes, onion and summer squash. Season with salt, pepper, garlic and rosemary or thyme.

Directions

Prep for packets can be done while camping or at home and taken to the campsite in your cooler or fridge.


Think size when cutting your items. Items that take longer to cook can be cut smaller than items that cook in a shorter time.


Assemble packets. You will need a square of foil, 12 by 12 inches, for the top and bottom of each packet.


Build with desired chopped ingredients.


Add olive oil—2 tablespoons per packet, to prevent sticking.


Add seasoning.


Fold each side of the packet two or three times to make sure they are secure when flipping over the fire.


Cook on a grate or grill over a bed of hot coals for about 40 minutes. Check the temperature of any meats with a meat thermometer prior to serving.


Reprinted with permission from Spectrum Health Beat.





9 ways to make your vacation foolproof

Before you hit the beach or ski slopes, make your vacation foolproof. (Courtesy Spectrum Health Beat)

By Health Beat staff


Whether your family’s travel plans include some fun in the sun, makin’ a splash or skiing the slopes, nothing puts the damper on a vacation faster than illness or injury.


There are several things you can do before, during and after your travels to make your experience a memorable one. For all the right reasons.

1. Think like a Boy Scout

Travel itself is stressful. And breaks can be a particularly crazy and frustrating time, especially if you’re traveling with kids.


“The most important advice I give to my patients is be prepared. That, and remember to pack your common sense,” said Philip Henderson, MD, division chief, internal medicine and pediatrics, Spectrum Health Medical Group. “People on vacation tend to do things they’d never do at home, which can lead to trouble. You’ll be able to deal with the unexpected and avoid a lot of stress by being well-prepared and using your head.”

2. Give yourself a boost

A healthy immune system before you leave can lessen the chance of downtime due to illness on your vacation and when you get back home. So, before you even think about what to pack, give your immune system a boost: get plenty of rest, eat right and stick to your normal exercise routine.


Make sure you and your kids are up to date on all your vaccinations, including your flu shot, Dr. Henderson said. Take this quiz to find out which vaccines you or your children age 11 years and older may need, and be sure to get them a couple weeks before you travel.


If you’re traveling outside the continental U.S., check the Centers for Disease Control and Prevention and the World Health Organization for recommendations on additional vaccinations and other travel health precautions.

3. Mind your medications

Pack enough of your prescription medications in your carry-on luggage to last the entire trip—and a little extra in case your return trip is delayed. Bring a list of the brand and generic names of all your medications, including the dosage and frequency, in case you need to get a refill during your trip.


Bring both your standard, everyday medications, as well as any emergency medications you might need. This may include an EpiPen if you have a severe allergy or an inhaler if you’re prone to asthma attacks.


Take a basic medical kit with you. Dr. Henderson suggested:

  • Band-Aids
  • Antibiotic ointment
  • Aspirin or Tylenol
  • Aloe gel (for sunburn)
  • Antacids such as Tums (for upset stomach)
  • Pepto-Bismol tablets (for traveler’s diarrhea)

“Be sure you get the real Pepto-Bismol,” Dr. Henderson said. “Look for bismuth subsalicylate as the key ingredient for it to really work.”


If you take certain medications, or have chronic health conditions such as diabetes or epilepsy, carry an alert notification or identification card with you.


“This is especially important for people who take a blood thinner,” Dr. Henderson said. “If you’re in an accident or are unconscious, emergency medical personnel need to be aware in order to properly treat you.”

4. Going airborne

Given the lengthy time spent in crowded planes, air travelers are often concerned about catching an illness from other passengers. In addition to what’s floating around in the air, studies have shown that illness-causing bacteria can survive on surfaces inside airplanes for days or even up to a week.


So how can you stay safe and healthy on the airplane?

  • Clean your hands thoroughly and often. Travel with a small bottle of hand sanitizer. Use it once you are settled in your seat and again after you depart the plane.
  • Cover your mouth and nose with a scarf or tissue if someone near you sneezes or coughs in your direction. Discard used tissues right away and then wash your hands.
  • Bring your own pillow and blanket instead of using those handed out by the airline.
  • Drink lots of water and nonalcoholic, decaffeinated beverages to stay hydrated. The air in airplanes is dry so it’s easy to become dehydrated.
  • Stretch your legs. Even healthy people can get blood clots in their legs after long flights. When allowed, walk up and down the aisles and stretch your calf muscles while you’re sitting.

Remember, the risk of infection doesn’t end when you get off the airplane.


Cruise ships and busy resorts can also expose you to some nasty infections. Norovirus, which causes vomiting and diarrhea, is known to plague these vacation escapes.


Scrupulous hygiene is the key to avoiding these highly contagious bugs. Wash your hands after every trip to the bathroom and before every meal. Soap and water is best, or use a hand sanitizer with at least 60 percent alcohol.

5. Avoid traveler’s stomach

Changes in diet can wreak havoc on your digestive system. While a slice of pizza or a burger might be tempting while waiting for your flight, eat a salad or something rich in fiber to avoid stomach problems later.


Once you arrive, try to eat as much like your normal diet as possible. Go ahead and have some treats. It’s your vacation, after all. But make sure the majority of your meals contain vegetables, fruit, lean protein and whole grains. Drink plenty of water, too.


If you know you have a sensitive stomach, take one Pepto-Bismol tablet each day to prevent traveler’s diarrhea, Dr. Henderson suggested.


And a final word of caution on food safety: If food left out on a buffet table looks wilted or dry around the edges, it’s probably best to stay away.

6. Drink up

Water, water, water. Staying well hydrated is important.


“People don’t realize how much water they lose when they sweat,” Dr. Henderson said. “And when your body is dehydrated, you feel lousy. Dehydration affects your metabolism, your circulation, and causes headaches and dizziness.”


One way to tell if you’re drinking enough water is to look at your urine. If you’re going at least four times a day and it’s relatively clear in color, you’re in the clear. If it’s dark in color, you’re dehydrated and need to drink more water.


If drinking alcohol is part of your break, remember that it can impair your judgment and actions.


Binge drinking, in particular, can be a problem on vacation. It’s the most common pattern of excessive alcohol use, defined for men as consuming five or more drinks, and women consuming four or more drinks, in about two hours.

7. Beware the buzz

Educate yourself about the local bugs and reptiles, especially if you’re traveling off the beaten path, Dr. Henderson said. Know which are poisonous and which are not.


Mosquitoes carrying dengue fever, Zika virus and chikungunya virus, once found only in Africa and Asia, have been found in Florida, Hawaii, the Caribbean, South America and Central America.


To avoid bites, stay inside or in screened-in areas or cover up during peak mosquito hours–sunrise and sunset, and in early evening. Also avoid tight clothes, dark colors and perfume. Natural repellents with 20 percent picaridin, or deet-based products with 30 percent deet or less, also work well.


Women who are pregnant or plan to become pregnant may want to avoid places where there is active Zika transmission, noted Vivian Romero, MD, a maternal fetal medicine specialist with Spectrum Health Medical Group.


“Decisions about pregnancy planning are personal,” Dr. Romero said, suggesting that those who are considering becoming pregnant use condoms and put off conception for up to six months after returning from a visit to a Zika-confirmed area. “We recommend talking with your health care provider if you’re not yet pregnant, but thinking about having a baby in the near future.”

8. Soak it up. Safely.

It’s tempting to soak up the rays by staying in the hot sun all day. Although getting a little sun can have some health benefits (think vitamin D boost), the sun’s ultraviolet rays can damage your skin in as little as 15 minutes.


“Terrible sunburns are by far the most common thing we see in people returning from vacations,” Dr. Henderson said. “Be sure to apply sunscreen to the top of your feet. That’s one spot where we see the worst burns. The other is on the top of the head for men who are bald or have thinning hair.”


This also applies to those enjoying ski trips—that powdery white snow reflects the sun’s rays and can burn you to a crisp if you aren’t careful.


Always practice sun safety: wear a hat, protect your eyes with wraparound sunglasses that provide 100 percent UV ray protection, and for sunscreen, use one with a SPF double what you’d normally use at home, said Dr. Henderson.

9. Home sweet home

Once you’re home, pay attention to how you feel. While it’s normal to feel a little rough around the edges after traveling for a day or two, if you feel worse each day rather than better, see your doctor.


Reprinted with permission from Spectrum Health Beat.





Ditch the golf cart. Your aging knees won’t mind

Golfers with knee osteoarthritis do not need to be concerned about worsening their disease by walking the course. In fact, walking provides the best health benefit. (Courtesy Spectrum Health Beat)

By Robert Preidt, HealthDay


Golfers with knee arthritis should park the golf cart and walk the links instead, researchers say.


While using a golf cart may seem the obvious choice for golfers with knee problems, a new small study finds that walking provides much greater health benefits. Moreover, it’s not associated with increased pain, inflammation or cartilage breakdown, the researchers said.


“Individuals with knee osteoarthritis are often concerned about pain and may be more likely to use a golf cart,” said lead study author Dr. Prakash Jayabalan. He’s an assistant professor of physical medicine and rehabilitation at Northwestern University Feinberg School of Medicine in Chicago.


However, “this study has shown that golfers with knee osteoarthritis do not need to be concerned about worsening their disease through walking the course. In fact, walking provides the best health benefit,” Jayabalan said in a university news release.


More than 17 million Americans older than 50 golf regularly. Knee osteoarthritis is a leading cause of disability in this age group. The condition causes swelling, pain and difficulty moving the joint.


The study included 10 older golfers with knee osteoarthritis and five without the disease, which is usually caused by wear and tear of the joint.

On one day, the study participants played one round of golf (18 holes) walking the course. On another day, they used a golf cart to play 18 holes. On each occasion, the researchers monitored the participants’ heart rates to determine their level of exercise intensity, and took blood samples to measure markers of knee inflammation and cartilage stress.


On both occasions, the golfers had an increase in these markers, but there was no difference between use of the golf cart and walking, the findings showed.


When walking the course, the heart rates of the golfers with knee problems were in the moderate-intensity zone for more than 60 percent of the time, compared with 30 percent when using a cart.


But even using the cart, golfers met daily exercise recommendations, according to the study authors.


“Bottom line: walking the course is significantly better than using a golf cart, but using a golf cart is still better than not exercising at all,” Jayabalan concluded.


The study was presented recently at the Osteoarthritis Research Society International annual meeting in Liverpool, England. Research presented at meetings is usually considered preliminary until published in a peer-reviewed medical journal.


Reprinted with permission from Spectrum Health Beat.



Heat stroke—the athlete’s summer foe

Runners are among the high-intensity athletes who should be especially cognizant of their exposure to heat on summer days. (Courtesy Spectrum Health Beat)

By Jolene Bennett, Spectrum Health Beat


Early one summer, incoming Kent State University freshman Tyler Heintz, 19, fell severely ill during an early-morning football practice.


His breathing grew labored and he began to slip in and out of consciousness. An ambulance rushed him to a hospital, but he later died.


The cause: exertional heat stroke.


This dangerous condition can strike an athlete of any stature, even those who have reached the pinnacle of their sport. In August 2001, 6-foot-4, 335-pound offensive tackle Korey Stringer, of the Minnesota Vikings, died shortly after collapsing during drills on a hot, humid day.


The Centers for Disease Control and Prevention identifies groups most at risk of heat stroke, including the very young, the very old, the chronically ill, people who work outdoors and people in low-income households.


Athletes, however, are particularly at risk for exertional heat stroke.


It is not uncommon for an athlete to sweat 1 to 2 liters per hour on a hot day. A large football player can lose up to 15 pounds of water in a single practice session.


The problem is most athletes drink far less than they sweat, simply because they underestimate the extent of their sweat loss.

Limitations

With summer underway, athletes young and old are more often found outdoors. It’s an essential time to impress the importance of proper hydration and rest.


Summer training camps for runners, soccer players and football players are proving grounds for excellence, but they can be ground zero for heat stroke trouble.


When athletes—especially runners and football players—participate in vigorous exercise in the warm months, dehydration can turn fatal.


Almost all heat-related deaths occur from May to September, according to the CDC, which also identifies exertional heatstroke as a leading cause of preventable, non-traumatic exertional sudden death for young athletes in the U.S.


Two-a-days, those notoriously difficult practices common to football, can often lead to trouble. Last year, the NCAA Division I Council banned two-a-days in preseason practices.


A 2016 study in the Journal of Athletic Training found that exertional heat exhaustion occurs at an increased rate in the first 14 days of practice, and especially in the first seven days.


About a decade ago, the National Athletic Trainers’ Association issued guidelines for preseason heat acclimatization. The guidelines establish a 14-day plan that helps athletes acclimatize to the heat. It zeroes in on the first three to five days of summer practice as the most important for progressive acclimatization.


On Day 1, for example, athletes shouldn’t participate in more than one practice and they should wear limited gear, as well as limiting the level of exertion and physical contact. For full-contact sports, “100 percent live contact drills should begin no earlier than Day 6.”


Coaches and training staff must carefully consider their approaches to summer practices, scrutinizing duration, intensity, time and place.


On especially hot days, for instance, the practice may need to be limited in length or simply rescheduled to a cooler part of the day.

Keeping watch

Athletes and parents need to be aware of the signs and symptoms of dehydration and heat stroke.


Keep in mind that thirst is not always the best indicator of dehydration. By the time a person senses thirst, the body may have already lost more than 1 percent of its total water. Athletes, coaches and parents should emphasize the importance of proper hydration before, during and after sporting activities—and then keep watch for any signs of trouble.


Some signs of mild to moderate dehydration include:

  • Thirst
  • Dry or sticky mouth
  • Not urinating much
  • Darker yellow urine
  • Dry, cool skin
  • Headache
  • Muscle cramps

Signs of severe dehydration include:

  • Not urinating, or very dark yellow or amber-colored urine
  • Dry, shriveled skin
  • Irritability or confusion
  • Dizziness or lightheadedness
  • Rapid heartbeat
  • Rapid breathing
  • Sunken eyes
  • Listlessness
  • Shock (not enough blood flow through the body)
  • Unconsciousness or delirium

When dehydration goes untreated, the body can no longer maintain homeostasis, which leads to heat stroke. This can cause impaired cardiovascular function and neurological failure.


An athlete experiencing heat stroke may become agitated, confused or unable to maintain balance.


The signs of heat stroke:

  • High body temperature
  • Hot, red, dry, or damp skin
  • Fast, strong pulse
  • Headache
  • Dizziness
  • Nausea
  • Confusion
  • Losing consciousness

Reprinted with permission from Spectrum Health Beat.



Pack the right footwear for summer vacations

Excessive foot pronation increases the stress at the knee and hip joints, which can create problems in the foot, ankle, knee, hip and lower back. (Courtesy Spectrum Health Beat)

By Robert Preidt, HealthDay


When packing for your summer vacation, be sure to include the right footwear, a podiatrist advises.


“The type of vacation you go on will determine the type of shoe you need,” Dr. Ronald Lepow, an assistant professor at Baylor College of Medicine’s department of orthopedic surgery, in Houston, said in a school news release.


If you’ll be doing a lot of walking, wear shoes with good support and consider where you’ll be going. For example, if you’ll be strolling on uneven cobblestones, the flexibility of your shoes will be more important than if you’re visiting a location with smooth, level walkways.


If you’re going to the beach, bring flip-flops or clogs, Lepow said. Don’t walk barefoot on hot sand because doing so can cause blisters. Be sure to put sunscreen on your feet, he added.


Athletic shoes can be a good choice for evening walks along the beach, and water shoes can help prevent injuries from stepping on objects or uneven surfaces under the water.


If available, use foot showers to wash off any potential contaminants from your feet, Lepow advised.


At pools, wear shoes or flip-flops when not swimming to protect yourself from athlete’s foot, nail fungus and warts, he said.


And if you’re going hiking, you should wear hiking boots. They are well-insulated and provide good heel, arch and ankle support.


Finally, if you buy new shoes, be sure to break them in a couple of weeks before your trip. Walk around the house in them, bend them and use shoe inserts to stretch them, Lepow suggested.


Reprinted with permission from Spectrum Health Beat.



How to recognize early signs of dementia in seniors

Courtesy Vista Springs Assisted Living

By Vista Springs Assisted Living


As a sizable percentage of the population reaches old age, many families worry about the health of their loved ones. A common fear is that a senior family member will be diagnosed with dementia. Dementia, which is a name given to describe a large number of specific memory diseases, affects about 10% of Americans, although the anxiety surrounding dementia makes many people think that the numbers are higher.


Dementia has many stages and forms, but most people are only aware of the late-stage symptoms that can be the most frightening and upsetting. Because these are the more well known symptoms, it can become difficult to understand what the early signs of dementia actually are. 


It’s important to try and get a dementia diagnosis as soon as possible so the best treatment plan can be put in place, meaning it’s equally important to know what the earliest signs of dementia are and how to recognize them in your loved ones.

Memory loss

The most well-known and obvious sign to spot for dementia is memory loss. After all, dementia is another name for memory disease. But memory loss can mean different things, and it’s important to know when something could be a sign of dementia, and when a behavior is part of the normal aging process.


Simple forgetfulness, such as blanking on a name or word but then remembering it later, isn’t necessarily the type of sign you need to be on the lookout for. Something that might be a more significant sign of memory loss would be forgetting the name of a close relative or friend, and not being able to recall it later.


A good indicator of whether memory loss is a simple brain lapse or a serious sign is if the memory loss is interfering with the daily life of your loved one. For example, if they can no longer hold a conversation because they forget names, dates, and events, it could be an early dementia warning sign.

Confusion

Another important indicator of oncoming dementia is confusion. While not as unmistakable as forgetting names of relatives, confusion can often be the result of other, less obvious, characteristics of memory loss. If an elderly family member is having more confusion than normal, such as not understanding where they are, what day or time it is, or who they are talking to, it could be pointing to a more serious problem than a simple senior moment.

Changes in attitude

If you notice abrupt changes in attitude from senior family members, then it could be another early sign of approaching dementia. Sometimes people who are suffering from early dementia symptoms will become angry, irritable, aggressive, scared, or anxious. Usually these behavioral changes are because they are afraid of what’s happening to them, and are either lashing out or withdrawing from confusion. 


A major shift in overall personality is another warning sign to be aware of, such as a normally social person becoming reclusive, or a usually shy person suddenly becoming more outgoing and reckless.

Cognitive difficulty

Dementia affects more in the brain than just memory, and a person’s cognitive thinking and mental abilities are often damaged by dementia. Early dementia symptoms can be represented by difficulty with things like:

  • Puzzle-solving
  • Organizing
  • Scheduling
  • Complex thinking
  • Following directions
  • Simple math 

Problems with speaking or writing

If your loved one stumbles over words occasionally as they continue to age, there probably isn’t a reason to get overly concerned. However, if your extremely well-spoken relative is struggling to remember even basic words and is forgetting what simple phrases mean, it could be a sign of something more severe.


Similarly, if you notice that a loved one can no longer write the way they used to and is using increasingly poor grammar and spelling, it could be another early dementia warning sign.

Remember:

In today’s world, we can sometimes be hyper-vigilant when it comes to searching for signs of dementia. While it’s important to get an early diagnosis, we can also be a little paranoid with our loved one’s health. 


It’s normal for seniors to have a few lapses in memory and some mood changes as they age, so not every dropped word and misplaced item is a reason for alarm. However, if you notice a possible symptom getting rapidly worse, or a number of signs presenting together, you may want to consider talking to your loved one.


Always keep your senior family members informed about your suspicions, and don’t exclude them from any decisions you make. If you think that a trip to the doctor is necessary, go with your loved one to show support. Working together as a family is always the best way to approach serious health issues, including dementia.


Reprinted with permission by Vista Springs Assisted Living.






Know the warning signs of suicidal thoughts

The sharpest rise in suicide rates has occurred among men aged 45 to 64 and girls aged 10 to 14. (Courtesy Spectrum Health Beat)

By Robert Preidt, HealthDay


Family, friends and acquaintances can play a key role in suicide prevention by being alert for signs and taking action to help someone who may be struggling, a mental health expert says.


Nearly 43,000 Americans commit suicide each year, according to the American Foundation for Suicide Prevention. For the past two decades, suicide rates have been rising in the United States, the federal Centers for Disease Control and Prevention says.


The sharpest rises in suicide rates have occurred among men aged 45 to 64 and girls aged 10 to 14, according to the CDC.


“There remains a lot of stigma associated with people who seek help for mental health, which prevents them from getting the assistance they need. We need to pay more attention to suicide prevention,” said William Zimmermann. He’s a clinician supervisor of New Jersey Hopeline, a suicide prevention hotline operated by Rutgers University’s Behavioral Health Care.


Many people mistakenly believe that suicides happen without warning. But most people who attempt suicide try to communicate their distress or suicide plans to someone, Zimmermann said in a Rutgers news release.


The problem is the suicide plans or thoughts may not be clearly stated, so asking direct questions about suicide can start the conversation and help-seeking process, he said.


Asking someone about suicide won’t put the idea in their head, Zimmermann said.


Warning signs of suicide attempts include increased substance abuse, anxiety, agitation, difficulty sleeping, dramatic mood changes, a feeling of hopelessness and being trapped, having no sense of purpose, social withdrawal, uncontrolled anger and reckless behavior.


If a person talks about wanting to hurt or kill themselves, threatens to hurt or kill themselves, or talks about looking for a method to kill themselves, get them immediate help or guidance by contacting a mental health professional or a suicide prevention hotline, Zimmermann said.


If you’re concerned about someone, ask them directly if they are thinking about suicide, Zimmermann said. He suggested saying things like: “I care about you. Some of the things you’ve said or done have made me wonder. Are you thinking about killing yourself?”


If they say they are considering suicide, don’t judge, don’t deny and don’t promise to keep it a secret, Zimmermann said. Get support for the person talking about suicide and for yourself, he said.


Reprinted with permission from Spectrum Health Beat.






The prudent pyre

A bonfire adds a warm, welcoming glow to any graduation party. Just make sure the atmosphere is calm, not raucous and reckless. (Courtesy Spectrum Health Beat)

By Robert Preidt, HealthDay


Bonfires are a popular way to celebrate big events among teens, but they’re at risk for serious burn injuries, an expert warns.


“The only guaranteed way to prevent bonfire burn injuries is to not have a fire in the first place,” said burn surgeon Dr. Arthur Sanford, of Loyola Medicine in Maywood, Ill. “But if you do decide to have a fire for a prom, graduation or other occasion, there are simple ways to minimize the risk of burns.”


Check the weather and cancel the bonfire if high winds are forecast, he recommended in a Loyola news release. Clear all brush from the area and make a fire pit. Keep a bucket of water and garden hose close by.


Newspaper and small kindling provide the safest way to start a fire. If you decide to use charcoal lighter fluid, seal the container after use and keep it well away from the fire. Do not put lighter fluid on a fire after it’s started, Sanford said.


And, he added, never use accelerants such as gasoline, diesel fuel or kerosene, and never spray aerosols or throw canisters or fireworks into the fire.


Keep the bonfire at a manageable size, no more than about four feet square, Sanford advised.


Everyone should stay a safe distance away and never horse around near a fire, he said. No one should drink alcohol.


Always put the fire out completely before you leave. Stir the ashes and douse them thoroughly with water. Sanford said Loyola’s burn center has treated numerous patients who suffered burns after accidentally walking on hot ashes.


Reprinted with permission from Spectrum Health Beat.



10 foods that boost energy and build endurance in seniors

Courtesy Vista Springs Assisted Living

By Vista Springs Assisted Living


As older adults continue to age, it’s critical that they eat foods with nutrition to boost their energy levels and build their endurance. Without enough energy, physical and mental health can begin decline. In order to get that much needed energy boost, here are 10 foods that provide multiple health benefits for seniors.

1. Nuts

Nuts are full of healthy fats and proteins that give seniors nutritional energy. The amino acids in nuts can also help rebuild and strengthen muscles, which is great for simple stretching and exercising. 

Walnuts

Walnuts have plenty of fiber for seniors, and can be eaten on their own as a snack or in salads, deserts, and other dishes. Their high calorie count will also help provide seniors with all-day energy.

Almonds

The carbs and fiber in almonds are complicated and are broken down slowly, which provides energy throughout the day rather than all at once. This makes nuts a great pick-me-up with a long-lasting effect.

2. Berries

As with nuts, berries can be a quick snack that taste great and have many added health benefits that seniors can take advantage of. 

Blueberries

Blueberries are full of antioxidants, which not only provide immune-boosting effects, but can help protect muscles from weakening over time. Blueberries also have water packed into them, which keeps seniors hydrated and energized.

Strawberries

Strawberries have a lot of the antioxidants found in blueberries, along with vitamin C and healthy sugars that fight fatigue and slow inflammation in the body.

3. Whole grains

Healthy carbs like whole grains have complicated cellular structures that take time to break down during digestion, which provides a constant source of energy throughout the day. Switching from unhealthy carbs to whole grains is a small step that has lasting health benefits.

Oatmeal

The rumors are true—oatmeal is good for your heart! A bowl of oatmeal in the morning can give you much-needed energy throughout the day, as well as providing fiber and protein that seniors need to build their endurance.

Quinoa

Quinoa, which is more of a seed than a grain, is packed full of healthy carbs and protein. It also helps build and repair muscles, which helps seniors maintain their muscle mass and mobility as they age.

4. Sweet potatoes

Rather than white or yellow potatoes, give sweet potatoes a try! Sweet potatoes have much more nutritional value than other potatoes, even though the “sweet” in the name might imply otherwise. The sweetness actually comes from the complex sugars and carbs that give seniors energy and encourage them to exercise and build muscle mass.

5. Greek or plain yogurt

Plain or Greek yogurt provides a big boost of energy with healthy proteins and fats. Rather than the sweetened versions that add lots of sugar, unflavored yogurt gives you lasting energy. You can add some fruits or berries to get natural sweetness if you need!

6. Bananas

As most people know, bananas are high in potassium. What isn’t as well known is what potassium helps to balance hydration and deliver energy. In addition, bananas have anti-inflammatory properties that help seniors build endurance and heal torn muscles faster. 

7. Beans and lentils

Beans and lentils are high in a number of vitamins and minerals, such as zinc, iron, and magnesium. Replenishing minerals can help seniors maintain blood sugar levels, which in turn helps provide a constant stream of energy.

8. Water

While water is a drink, not a food, it is still one of the best things seniors can have to boost energy and build endurance. Without proper hydration, muscles won’t be able to function properly and seniors can easily lose both strength and mobility over time from dehydration.


If drinking water isn’t your thing, then take a look at some other ways you can get your daily dose of hydration.

Senior health tips for hydration

9. Seeds

Seeds are another example of a healthy snack that can give seniors a quick boost of energy and build endurance.

Chia Seeds

The slower you naturally digest food, the more steady your energy levels will be throughout the day. That’s why seeds that are high in fiber like chia seeds are a great high-energy snack. 

Pumpkin Seeds

Like chia seeds, pumpkin seeds have a high fiber content that helps regulate digestion throughout the day. You can easily make your own pumpkin seeds at home by baking them in the oven with a little salt.

10. Avocados

Avocados provide some of the healthiest natural fats found in any food item. Healthy fats are used as energy, rather than unhealthy fats which are stored by the body. Seniors can take advantage of the energy provided by avocados to motivate themselves to exercise and move.


Seniors need to find the energy to move, stretch, exercise, and socialize as they age, or they face serious health consequences. Rather than losing independence, eat the right foods and stay healthier for longer!


Reprinted with permission from Vista Springs Assisted Living.





The 7 best retirement hobbies for creative types

Courtesy Vista Springs Assisted Living

By Vista Springs Assisted Living


After retirement, you might discover that you have more time on your hands than originally expected. In order to fill that time, many seniors start exploring new hobbies and activities. But many common activities like golfing, traveling, and fishing aren’t geared towards seniors who would rather stay at home than go out.


Luckily, there are plenty of senior hobbies that don’t need a lot of time, money, or physical capability, and can take place in your own living room. Retirement offers a perfect opportunity to learn new skills, so take a look at these seven different retirement hobbies that are perfect for creative types.

1. Painting and drawing

Creating artwork like paintings and drawings is an activity that has almost no limitations on what can be created. From watercolors to acrylics to oils to charcoals, there are countless mediums of art, so you can find the perfect one that works best for you.


Local community centers typically have plenty of art classes that are great for beginners. These also provide seniors with a new way to get out of the house and socialize with others. Whether you go big with canvases and materials or keep it simple with a few pencils and paper, painting and drawing can help you feel relaxed and calm while helping you build your artistic skills.

2. Crafting

Crafting is another example of a creative activity that doesn’t require a lot of mobility or physical effort, and it includes all kinds of hobbies such as:

  • Jewelry making
  • Needlework
  • Beadwork
  • Scrapbooking
  • Knitting
  • Soap and candle making
  • Crocheting
  • Creating home decor items

Crafting can also be a way to make a little extra money after retirement. Going to craft shows or selling your items online can be a fun way to earn some extra cash while exploring a new activity and meeting plenty of new people.

3. Cooking

There are almost an unlimited number of ways to learn new cooking skills, from looking at old family recipes to watching cooking shows to swapping ideas with friends. There’s so many recipes out there that everyone from the most basic beginner to seasoned experts can find something new to work with.


Cooking also provides seniors with a way to take control of their health, explore different cuisines, and share meals with others. Whether you’re gaining a few basic cooking skills or perfecting your talents, retirement is a perfect time to explore new cooking opportunities. Looking for some great beginner recipes to get started with? Click the link below to try some healthy options!


15 Easy and Healthy Recipes

4. Pottery

Pottery is an often overlooked but incredibly satisfying hobby. It typically requires a significant amount of time, which makes it a perfect creative outlet for retired seniors who can now afford to dedicate the necessary hours to create ceramics. 


Like many other crafting opportunities, pottery gives seniors a chance to earn some additional income by selling their wares either online or at festivals and craft shows. Pottery can create useful items like bowls, plates, and vases, or fun home decor items and abstract art pieces. 

5. Woodworking

If you like a hands-on approach to retirement hobbies and want to try something a little out of the box, then woodworking might be the best option for you. While getting the right tools can be an expensive up-front cost, woodworking is a wonderful creative outlet that your friends and family might not have seen before.

6. Gardening

If you think that all gardening involves kneeling down in the dirt and having to perform back-breaking labor, then you would be wrong! Gardening can take place out of doors in flower beds, but it can also be adapted to meet a senior’s needs, especially if getting up and down is difficult. 


Container gardening is a great way to get enjoyment out of planting and growing your own flowers or vegetables without having to perform as much physical labor. Raised containers like planters, baskets, and pots can help you protect your back health, and can take place both indoors and outdoors. 

7. Writing

As you age, you might discover that there are many things you want to record and preserve for posterity. Or you might have some creative ideas that you want to explore through writing. Either way, there’s never a better time to start than today!


Writing can include everything from novels to poems to short stories, as well as everything in between. If you are looking for a good place to start, then consider reminiscence writing as a way to help you connect to past events while providing helpful therapeutic results. 


Reprinted with permission from Vista Springs Assisted Living.







Want to get fit? You’re never too old

In your later years, it matters less what type of movement you choose—it’s all about the fact that you’re up and moving. (Courtesy Spectrum Health Beat)

By American Heart Association, HealthDay


As people age, physical activity still needs to be part of the game plan for living a healthy, happy life—and experts say it’s never too late to get active and build strength.


“We try to tell people the body can still adapt and it can still improve,” said Barbara Nicklas, a professor of gerontology and geriatric medicine at Wake Forest University School of Medicine.


Those who engage in more occupational or leisure time physical activity have a lower risk of disease and death—and the health benefits of movement can extend to all ages, Nicklas explained in an editorial in the Journal of the American Geriatrics Society.


Nicklas cautions against placing all “older adults” who are age 60 and up into one category. Rather than basing exercise and activity goals on age, they should be geared to one’s “physical functional status.”


“What can the person do?” she said. “Not everybody is the same.”


Whether you’re 65 or 85, or a runner, a tennis player or perhaps someone who has difficulty getting around, one constant remains: the importance of moving.


“Any time you can incorporate more movement throughout the day, it is good,” said Nicklas, who urges “starting where you’re at and doing what you can.”


The U.S. Health and Human Services Department and the American Heart Association recommend at least 150 minutes per week of moderate-intensity aerobic activity or 75 minutes of vigorous activity or a combination of both, as well as muscle-strengthening activity.


For those who have been living a sedentary lifestyle, walking is the best way to begin getting physically active, Nicklas said. She suggests going with a friend or enrolling in a walking program like the one her university offers. It adds accountability, a social component and safety, to guard against falls.


Using a “walking tool,” such as a cane or walker, if it’s needed, can help you stay active, Nicklas said.


“Slow and steady—the tortoise pace—is better than the rabbit pace when you’re starting out or starting over,” she said.


Resistance or strength training—through free weights, weight machines, pushups or pull-ups—can help with range of motion around joints and improve muscle mass, muscle strength and bone strength. It can help in the ability to perform everyday activities, improve balance and may reduce the risk of falls.


Fred Bartlit, 87, proves the point that chronological age isn’t the determining factor when it comes to strength and feeling young.


A former U.S. Army ranger, Bartlit always had been physically active. He also was an avid skier and golfer. As he reached his 50s, at the urging of his future wife, he intensified his workouts and began strength training at a gym.


Today, the Colorado attorney and author said he is stronger than when he was in the Army at age 22. In addition to practicing law, he makes it his mission to inform older adults about battling sarcopenia, the loss of muscle with aging.


“Our bodies, they’re crying out for physical activity,” he said. “And now the world is sedentary.”


For someone as active as Bartlit, strength training helps him ski challenging mountains trails with his 58-year-old son and 16-year-old granddaughter.


Multiple scientific studies point out that building strength is important in performing everyday activities and in avoiding or managing chronic disease.


Bartlit suggests working with a trainer at first, if possible, and trying to fit in strength training three times per week.


“You have to create habits,” said Bartlit. “It’s about living a full life. It changes the way you think, the way you feel, your confidence in doing things.”


Boosting physical activity and strength helps aging adults do the things they want to do in daily life—and that can be motivating, Nicklas said. It may be as simple as going to the grocery store on your own or having the energy to take grandchildren to the park or to a soccer game.


Older adults are disproportionately affected by conditions such as diabetes, arthritis and heart disease, with 80% of people over 65 having at least one of those chronic conditions, according to the National Council on Aging.


But even though some health setbacks may occur with advancing age, they don’t have to completely derail an exercise plan. “This is just reality and it’s going to happen,” Nicklas said.


“Steady improvement” should be the aim, she said. “The body is still capable of adapting.”


Reprinted with permission from Spectrum Health Beat.






5 ways to relieve the stress of caregivers

Courtesy Vista Springs Assisted Living

By Vista Springs Assisted Living


When caring for a loved one, the process can be both a rewarding and stressful experience. It often involves shifting family dynamics, financial changes, and an increased workload. Because of this, it is not uncommon for caregivers to experience increased feelings of stress and burnout. Without support, these feelings can lead to emotional and physical problems like heart disease and depression.


To avoid these issues, it’s important to recognize the need for help and support to relieve some of the stress. Here are some practical ways to accomplish this:

1. Ask for help

Caregivers often find themselves taking on too much and not wanting to burden others with our responsibilities. However, this common problem can quickly lead to feelings of being overwhelmed and helpless. Speak up and let family and friends know that you need some assistance.


Additionally, when someone does offer to provide help, don’t be afraid to accept it. Keep in mind that this also means having to relinquish complete control of the situation, which can be challenging.

2. Take breaks

Busy caregivers often don’t have much leisure time to themselves. However, not making this element a priority could be counterproductive in the long run. If necessary, dedicate this time in a calendar and ask someone to help fill in for you (see the paragraph above and ask for help with this item) and take the time to rest from the list of caregiver responsibilities. After this rest time, energy and focus will be improved, increasing attitude and productivity.

3. Make health a priority

When a caregiver fails to make their health a priority, that will ultimately result in not being able to provide the level of care their loved one needs. Getting enough sleep, eating healthy, regular doctor visits, and exercise are essential components that keep a caregiver feeling great and energized.

4. Find support

Depending on the situation, caregiving can become a lonely place. But that doesn’t have to be the case, as there are many other caregivers out there that are dealing with similar situations and they can become an excellent resource. There are also support groups available (both in-person and online) that focus on discussing and listening to others’ who know and understand what caregiving entails. These groups can provide comfort from those feelings of lonesomeness as well as education and insight on care and specific diseases.

5. Accept the situation

It is easy to find ourselves in a trap of feeling frustrated or mad about the caregiving situation, continuously asking why something like this has happened. That energy is being wasted and doesn’t help improve caregiving abilities. Instead, try to accept the situation and use it as a tool to build personal strength, depth, and understanding.


In conclusion, when stress and burnout set in, it puts the caregiver at risk of not being able to provide adequate care. That impacts both the caregiver and the person being cared for. The bottom line is that managing the health and well-being of a caregiver is equally as important as making sure a family member takes their medication and gets to their doctor appointments on time.



6 tips for stylish (and healthy) heels

They’re fun and fashionable, but heed these warnings to save your heels. (Courtesy of Spectrum Health Beat)

By Health Beat staff


Like many women, Marisha Stawiski, DPM, would love to be able to wear a 3-inch heel on a regular basis with no pain.


“But unfortunately, the vast majority of us just cannot withstand this foot position for any prolonged course of time on a regular basis without having detrimental effects on foot health and eliciting pain,” said the Spectrum Health Medical Group Foot & Ankle podiatrist. “As a rule of thumb, the more you can avoid a shoe with a heel over 1.5 inches, the better.


“Yet many of us (myself included) will stray from this rule of thumb for aesthetics and beauty at times,” Dr. Stawiski said. “Some of us more than others.”

Her best advice?

1. Go high quality.

Buy a heel that is as high quality as possible for your budget. Certainly, something with more cushion, width and arch support will feel better than a poorly constructed shoe.

2. Go lower.

The lower the heel, the less you are going to see complications and pain associated with wear. Think a cute kitten or wedge heel.

3. Try it out.

Purchase the shoe only if you can return it. If you wear it around your home only an hour or two (don’t wear outside, stay on carpet), you will know if there is any way the heel will be something you can feasibly wear for an extended period of time and still be modestly comfortable.

4. Keep it real.

If you have certain foot pathology, sadly, you may need to give up the idea of wearing heels at all. Some examples of pathology that may preclude you from being able to wear high heels includes severe bunions or hammertoes, arthritis, hallux rigidus, or Haglund’s deformity.

5. Give your feet a timeout.

Whenever possible, avoid wearing high heels for any extended walking or standing. Bring an alternative pair of shoes with you to the office, and slip off your heels under the desk during the day to put on a more sensible shoe. Slip on your heels when getting up for meetings, but try to avoid staying in them all day long. Take them off for your commute as well.

6. Think special occasions.

Avoid wearing heels on a regular basis or every day. Have alternative wardrobes that go well with a lower heel, wedge or a flat with more support. Your feet really do need a break from wearing a high heel, and high heels should be more of an occasional thing than an everyday occurrence.

Higher risks

Remember, if you choose to wear high heels, you are at a higher risk of developing a variety of conditions, including metatarsal pain, plantar fasciitis, Achilles tendon issues, Haglund’s deformity and knee pain.


“There is plenty of data to show that high heels have negative long-term effects on several structures from the toes all the way up the lower extremity,” Dr. Stawiski said.


While some shoemakers market technology such as memory foam and built-in arch support that’s meant to diminish the problems associated with high-heel use, it doesn’t change the position of the foot when it’s stuffed into a heel.


“All high heels are thrusting the foot into a very unnatural position,” Dr. Stawiski said. “You cannot completely counteract the negative affects of walking or standing in heels with new technology.”


Even if considerable padding and arch support are added to a 3-inch-plus heel, the issues with the high heel still exist, she noted.


“Padding and arch support don’t change this abnormal biomechanical position, which creates many of the injuries associated with wearing high heels,” she said. “These added technologies can make the shoe more tolerable for a longer amount of time for certain individuals, but they do not eliminate the root issues inherent to a high heel.”


Reprinted with permission from Spectrum Health Beat.





Muskegon Museum of Art offers remote art projects for crayons, cameras

One of the Selfie Challenge artworks was “Fastball” (bronze, 1987) by Albert W. Wein (American, 1915-1991). (Supplied by MMA)

By WKTV Staff

ken@wktv.org

The Muskegon Museum of Art may be closed to visitors due to the COVID-19 restrictions, but it doesn’t mean lovers of art can’t have some fun with art projects sponsored by the museum.

For adults — or tech-savvy children — with a love of cell-phone selfies, the museum is offering the MMA Selfie Challenge. For children — or children-at-heart — with crayons (or whatever is used these days) in hand, the museum is offering “Color our Collection” coloring book pages.

“Calling all selfie snappers! The MMA is hosting a “Selfies of the Best Kind” challenge,” the museum states in supplied material. “Every other day in March, we are posting a work of art from our collection on Facebook that we encourage you to replicate at home with a selfie.”

Check out the museum’s Facebook page for the artwork of the day, snap your selfie, post it to your wall, and tag the Muskegon Museum of Art. (Use #picturesofthebestkind or #muskegonartmuseum for tags.)

The remaining Selfie Challenge Dates are March 25, 27, 29 and 31.

Also, the museum is offering Color our Collection coloring book pages available for download and printing. In all there are seven images from the Muskegon Museum of Art’s permanent collection available, with information about the artist on the second page of the pdf files.

Among the paintings available for coloring are John Steuart Curry “Tornado Over Kansas”, Edward Hopper’s “New York Restaurant”, Dale Nichols’s “Footsteps in the Snow”, Roger Brown’s “Painter of a Birds Eye View”, Jacob Lawrence’s “The Builders: The Family”, Hughie Lee-Smith,’s “Apres-Midi” and Severin Roesen’s “Tabletop Still Life”

For more information and its many activities during and after the COVID-19 restrictions, visit muskegonartmuseum.org.