A Special Supplement To The Delphos Herald April 2012

Senior Lifestyles
2 The Delphos Herald Senior Lifestyles April 2012
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ARA Calling your retirement sav-
ings a nest egg is meaningful on many
levels. Just as birds labor hard and long to
create a secure roost, you and your mate
work hard to provide for yourselves dur-
ing your golden years. And just as crows
and other invaders can come along to rob
a birds nest, your nest egg can be at risk
from predators like identity thieves and
scammers.
One out of every five people older than
65 - 7.3 million Americans has been
the victim of a financial swindle, accord-
ing to a survey sponsored by the Investor
Protection Trust. Identity theft statistics are
also alarming: In 2010, more than 1 mil-
lion people older than 65 were targeted by
identity thieves, according to the Bureau of
Justice Statistics. Factor in everyone older
than 50, and that number soars to more than
3.5 million.
Unfortunately, its not enough to have
saved wisely for retirement, says Ken
Chaplin, senior vice president of market-
ing for Experians ProtectMyID. Statistics
show that seniors are favorite targets for
identity thieves, con artists and scammers.
Protecting your nest egg from being raided
by crooks is every bit as important as ensur-
ing your investments continue to pay off.
Fortunately, you can take steps to pro-
tect your nest egg.
Avoiding phone scams
First, always know who youre giving
your money to. Never invest with someone
who cold calls you on the phone claiming
to have a great investment opportunity. Be
especially wary of companies that have
no physical address and operate out of a
P.O. box or web site. And remember, be
suspicious if an investment promises amaz-
ing returns. If something sounds too good
to be true, it often isnt true at all.
Never give your bank account, Social
Security Number or credit card number to
someone who calls claiming to be a bill
collector. The law requires bill collectors to
provide you with documentation of a debt.
Request documentation and thoroughly
check out any claims that you owe money.
If you have any doubts about a phone
call youve received, talk to friends or fam-
ily members who know something about
investing. Never trust a stranger youve just
Protecting
your nest egg from
virtual crows
According to the FBI, seniors
may be targeted because:
They are less likely to be technically
savvy about online predators.
They tend to be more polite and trust-
ing, and may be less likely to recognize a
phone scam.
They may be unaware who to report a
crime to if theyve been defrauded.
They often have large nest eggs to
protect.
(See PROTECTING page 7)
April 2012 The Delphos Herald Senior Lifestyles - 3
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ARA One in three seniors over the age
of 65 will experience at least one fall annually,
according to the Centers for Disease Control.
The bathroom is one of the most danger-
ous rooms in the home for the elderly.
Slick floors, small spaces, sharp edges and
few things to grasp make mobility difficult
and increase chances for dangerous falls.
Unable to complete everyday tasks with the
same mobility they once had, many senior
homeowners are left with unsafe measures to
prevent falling in the bathroom. These may
include insufficiently secured towel racks that
could fall when gripped for support, shower
chairs that are not slip resistant and sliding
shower doors that could move unexpectedly
when entering and exiting the tub.
We want seniors to live safely and com-
fortably in every part of their homes. Its
important that senior homeowners are aware
of the challenges independent living can pres-
ent and take the appropriate precautions, says
Larry Rothman, Roto-Rooters director of
plumbing services.
Rothman offers tips on what to install in
the bathroom to keep it safe for loved ones
so they can maintain an independent lifestyle
with easier mobility.
Equip showers and surrounding walls
with sturdy grab bars anchored to wall studs
so they can support the full weight of an
adult. Some portable safety handles use super
strong suction cups and are easy to apply and
remove.
Consider installing nonskid tape or mats
on the floor of a shower or bathtub.
A shower chair is also a safe solution that
can be easily placed where balance is a chal-
lenge.
Flexible handheld shower wands with an
on/off button might be easier to use than a
traditional shower head. These are especially
useful in combination with shower chairs.
Toilets can be replaced with ADA-
approved raised-height models to lessen the
chance of a harsh fall. Alternatively, raised-
height seats can be installed on existing toi-
lets.
Check temperature settings on water heat-
ers, as water hotter than 120 F can scald skin.
Special no-scald faucets or a no-scald regula-
tor can be installed as a secondary layer of
protection.
Some faucet handles are difficult for
arthritic hands to grip and turn. These should
be replaced with models that are easier for
seniors to use.
A study by the Home Safety Council found
that falls are the leading cause of home injury-
related deaths among older adults. Making
simple home installations can make day-to-
day living for seniors easier, reduce their risk
of falling and give peace of mind to those
close to them.
Seven simple steps
to senior bathroom safety
4 The Delphos Herald Senior Lifestyles April 2012
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Community Health Professionals
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Road trips:
A mature guys guide to the open road
ARA The classic American road trip
is no longer just for cashless college kids;
men of all ages are taking to the road for
a unique vacation where driving is just as
much a part of the trip as the destination
itself. If you work hard every day, maybe its
time to exchange that button-up for a casual
T-shirt and gather your crew to experience
the freedom and adventure of the open road.
If youre wondering if a road trip
is right for you and your more mature
friends, a few practical measures
can help ensure it is fun for everyone:
Steady goes a finely tuned machine
When you were younger, you prob-
ably drove through the night to rack up
as much mileage as possible. The mature
road trip is just as much about the jour-
ney as it is about the destination. You and
your friends will appreciate a more relaxed
pace, which includes resting, eating right
and enjoying all the road has to offer.
To make sure you stay on course with-
out any problems, get your vehicle tuned
up before you head out. Its a good idea to
change the oil and check the tire pressure and
coolant system before you get on the road. If
your vehicle is due for some routine mainte-
nance, have it done before you start your trip.
The right vehicle for a memorable trip
Your days of cramming six guys in
a small, rusty car are over. A reliable
yet fun-to-drive pickup is perfect for your
grown-up road trip with the guys. And since
your stuff is probably going to be worth
more than what you toted around during
your college days, be sure to protect it. A
lockable roll-up cover, like the tonneau
cover line by Access Cover, will keep your
belongings protected from the elements
both weather and criminal while youre
on the road. Plus, a truck bed cover can
help improve your vehicles gas mileage.
Its also important to protect your gear
and reduce it from shifting all around with
a Truck Bed Mat from Access Cover made
from marine-grade carpet. Finally, even if
your eyes arent what they used to be, you
can still quickly access all supplies with a
Truck Bed LED Light which can be mount-
ed at the front or the rear of the truck bed.
With age comes wisdom to pack smart
As for what to pack, be sure to include an
419-695-PEAK (7325)
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(See ROAD TRIPS page 7)
April 2012 The Delphos Herald Senior Lifestyles - 5
718 N. Cable Rd.
Suite 101
Lima, Ohio
419-773-4021
Hearing Loss: Look for Warning Signs
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Do You:
Askpeopletorepeatthemselves?
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HaveyourTVorradioturneduptoahighvolume?
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6 The Delphos Herald Senior Lifestyles April 2012
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Attention Folks 55 and older:
Some say the 60s hippies are going
back to the commune. Others call the
growing number of female Baby Boomers
rooming together The Golden Girls phe-
nomenon.
Author Martha Nelson, who at 65 is on
the leading edge of a tsunami of retiring
Boomers, says its really all about choosing
the company of friends.
As a group, weve been empowered more
than past generations of women, says Nelson,
whose debut novel, Black Chokeberry
(www.BlackChokeberryTheBook.com), is
the story of three disparate older women
who unexpectedly end up sharing a home.
Were more worldly, stronger, financially
savvy and healthier than our ancestors
through no fault of their own and we
know what we want.
Increasingly, what they want is to
actively age with the camaraderie, laughter,
understanding and support of other women
who share their ideas of healthy lifestyles,
good food from their own gardens, green
living, and myriad activities on a moments
notice.
In 2010, 480,000 Baby Boom women
lived with a least one unrelated female,
according to an AARP analysis. The grow-
ing number of U.S. HomeShare programs,
which help connect people interested in
sharing a house, say their numbers have
been steadily rising since the economy
belly-flopped.
This concept is really trending on the
East and West Coasts and is very big in
Europe, says Ryan Cowmeadow, vice
president of the National Shared Housing
Resource Center, an all-volunteer clearing-
house of HomeShare programs.
Our numbers are up about 15 percent
since 2007, and about 75 percent of appli-
cants are female, he says.
Were hoping to see a real surge with
the Boomers entering retirement age now.
Theyre the ones who didnt take no
for an answer. Home-sharing just makes
sense.
Nelson notes that there are several rea-
sons why women more than men are gravi-
tating to communal living as an alternative
lifestyle.
Women typically live longer than men,
and men are more likely to remarry quickly
after a divorce or the death of a spouse,
she says.
And fundamentally I think its as much
about the special bonds women share. We
form these wonderful, supportive, tell
the truth friendships, which survive the
demands of husbands, children and careers.
Whether living alone or with a spouse or
partner, women cling to their friendships.
When a woman considers living alone as
she ages, its a natural progression to seek
the company of her best friends.
Thats what happened to Nelson, a for-
mer journalist and educator, whose long
marriage ended in divorce when she was in
her 50s. In regaining her balance as a single
woman, she sought time alone to heal, then
turned to her trusted friends as she stepped
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More and more
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expenses with
other women in
thier same life
situation.
(See LIVING page 7)
April 2012 The Delphos Herald Senior Lifestyles - 7
Headaches? Migraines?
1022547
Deep in your neck a pair of blood vessels
(vertebral arteries) pass though the
openings in your neck bones. These ves-
sels supply 30% of your brains blood
supply. Any twisting or misalignment of
your neck bones will kink those arteries
and slow the blood flow to your brain,
(the start of a migraine). Dr. Reed, D.C.
can gently re-align your spine without pop-
ping or twistng your neck. Get the relief you
are searching for at 419-238-2601 or
visit www.ReedSpinalCare.com
Vertebral
Arteries
Neck Bones
Vertebral
Arteries
Neck Bones
Headaches? Migraines?
Deep in your neck a pair of blood vessels (vertebral
arteries) pass through the openings in your neck
bones. These vessels supply 30% of your brains
blood supply. Any twisting or misalignment of your
neck bones will kink those arteries and slow the
blood flow to your brain, (the start of a migraine).
Dr. Reed, D.C. can gently re-align your spine with-
out popping or twisting your neck. Get the relief you
are searching for at 419-238-2701
or visit www.ReedSpinalCare.com
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met on the phone more than the people in
your life whom you know care about you.
Guarding against identity theft
In addition to being aware of investment
scams, you also need to take steps to prevent
identity theft.
Seniors tend to use credit less, have
more available credit and are less likely to
check their credit report online, Chaplin
says. All those factors make them an
appealing target for identity thieves.
The Federal Trade Commission recom-
mends that everyone monitor their credit
report regularly to detect signs of identity
theft quickly. Services like ProtectyMyID
monitor your credit report on a daily basis to
help you detect, protect against and resolve
instances of identity theft.
In addition to monitoring your credit,
you can help protect your identity with these
measures:
Safeguard your Social Security and
Medicare cards. Never carry your Social
Security card with you. Store it in a safe,
locked location. Be wary of who you give
the number to. If a merchant or health care
provider wants it, ask why they need it and
if they will accept an alternate form of iden-
tification.
Never leave out-going mail in your
mailbox. If you cant get to the post office
to mail it, leave a note asking your postal
carrier if he or she would be able to come to
your door to pick-up your outgoing mail.
If you use paper checks, never have
new checks delivered by mail to your home.
Instead, have them sent to your bank, where
you can pick them up. And never have your
checks imprinted with your home phone
number, Social Security number, drivers
license number or birth date.
Arrange to have all income checks
Social Security, interest dividends, pension
payments, 401k withdrawals, etc. depos-
ited directly into your bank account. Never
have a check mailed to your home, where it
could be stolen from your mailbox.
back into life. Her happiest moments came
from long conversations over coffee, laugh-
ter over meals and movies, and, occasion-
ally, indulgent tears she felt safe to shed.
I came to fully understand the impor-
tance of women friends in my life, she
says. They are the gold standard and as we
age, they are critical to happiness, regard-
less if one is married or in a committed
relationship.
The movement for cohousing where
residents have private living spaces but
share common areas, such as dining rooms,
and tasks, such as cooking started
in Denmark and is catching on in the
United States. There are model programs
in Boulder, Colo., and other communities,
including three cohousing projects being
planned in the greater Nashville area, where
Nelson lives.
Practical considerations of creating close
living communities include health and
safety, care in times of an accident or
medical emergency, and saving money, a
concern for many women who find them-
selves single or widowed after long mar-
riages, Nelson says.
But Boomers are renowned for demand-
ing more than creature comforts from life,
she adds.
We want to be happy; were healthy,
active and we want to enjoy ourselves as we
age. We want to travel, go to a movie with a
neighbor or housemate, cook a meal, share
a garden, and feel that we are contributing
to our communities.
What started with Rosie the Riveter
has brought us to this, says Nelson who is
happily married again, but fascinated by the
new movement of cohousing.
Were strong women and we can
choose to live the way we want as we get
older. Very often, that will mean with other
women in close knit communities.
LIVING
PROTECTING
(Continued from page 6)
(Continued from page 2)
emergency roadside kit, first aid kit and any
medications that you regularly need. Bring
along a GPS device and your trusty mobile
phone so you can stay on track and in touch.
In regard to food and supplies, you
might also consider a set of dressier clothes
if your dining tastes have matured since
your fast-food days, but youll also want
some comfy clothes for your time spent in
the vehicle. Bring a couple pairs of shoes,
one dressier and one comfy for walking.
And if youre not as keen on convenience
store snacks as perhaps you were when
you were younger, youll want to pack
a small cooler of food and beverages.
Plan ahead for a great trip
Meandering can be fun, but having a
plan can be rewarding too, especially when
youre older and prefer to know what to
expect. Your taste in destinations has prob-
ably matured, so consult with your travel-
ing partners and consider spots that appeal
to your current interests and finances.
Has wine tasting become a hobby as
you grew older? A tour of wine country
may be in order. Perhaps youve discov-
ered an interest in history? Consider taking
the guys to a civil war re-enactment or to
one of the countrys great historic cities.
Having a plan doesnt mean that there
wont be moments of spontaneity, but it will
provide you with a good course to follow
so everyone can enjoy their time together.
ROAD TRIPS
(Continued from page 4)
8 The Delphos Herald Senior Lifestyles April 2012
419-532-2961 PO Box 388, 755 Ottawa Street
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Putnam County
HomeCare &
Hospice
139 Court Street, Ottawa
419-523-4449
www.pchh.net
YOU HAVE A CHOICE!
Request Putnam County HomeCare
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United Way of Putnam County
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HomeCare&Hospice
139 Court Street, Ottawa
419-523-4449
www.pchh.net
United Way Logo Guidelines - April 2009
Partner Agencies of the United Way of Putnam County are to use the United Way logo with identifier
(United Way of Putnam County) using (font) Arial, and tag line (Partner Agency) using (font) Times
Roman italicized. Both texts are to be centered directly below the logo. The complete 3-part logo should
be included on all printed materials disbursed to the general public (brochures, stationery, newsletters,
print advertising, etc.).
Common mistakes to avoid: Using the logo alone, renaming us the Putnam County United Way, using
the word The before United, using fonts other than Arial and Times Roman, printing the identifier
and/or tag line too small to read, or using Member Agency instead of Partner Agency.

United Way of Putnam County
Partner Agencv


United Way of Putnam County
Partner Agencv


United Way of Putnam County
Partner Agencv

Editing in a tight space: The logo may be reduced in size disproportionately to the identifier
and tag lines. Also, Arial Narrow font may used (as shown here) to narrow down the full image.

ur|led way ol Pulrar Courly
Partner Agencv


Please call if there are any questions. 419-523-4505 or email putnamunited@embarqmail.com.

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reduce to ft.
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b|ack) mage s a|so
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request.
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