Next Generation Financial Services, a Division of 1st Mariner Bank
The Senior iExpress
Volume 1, Issue 5
Special points of Escape the Winter Weather At Home!
interest:
• Escape the Winter How to have a
Weather At Home great escape
without going
• Start Living Your anywhere!
Perfect Life To-
day. If you’re feeling like
• Is it time to Refi- you just need to get
nance Your Re- away from it all—but
verse Mortgage? you can’t—try the fol-
lowing suggestions to
• Are you getting create a “getaway” at
enough sleep?
home.
• Looking for Elder
Care Services? • Create your own per-
sonal space in your
home. Something that
feels simple, clean and
uncluttered will feel
most relaxing. To com-
plete the mood, play
your favorite CD or fill
the space with wonderful
smells using aromather-
apy products.
Start Living Your Perfect Life Today.
Some days are tougher
than others, it’s true, but
if you suffer from a gen-
eral feeling that your life
isn’t quite what you had
hoped it would be, you
may benefit from sitting
down and reflecting for a
January 2009
that you are shutting
♦ Hire a massage off your cell phone and
therapist to come to you won’t be answer-
ing e-mail for an entire
your home to pamper
day. Take a break from
you. Make sure you
the world. Then sit
have a relaxed, unhur
-ried session to get back and enjoy the si-
the ultimate benefits. lence.
• Call a few friends
and ask them over
for dinner—and
ask them each to
bring a dish. Ask
everyone to help
and then bask in
the happiness of
the communal ex-
perience.
• Let people who might
worry about you know
while. if they seem far-
Get a pen and fetched.
pad of paper and think After you’ve
about what your perfect finished your perfect
day would be like. Let day, then take it a step
your imagination loose further and write what
and don’t hold back your perfect life would
ideas as they come, even be like. Again, let your
imagination run wild
 Page 2 The Senior iExpress Volume 1, Issue 5

and write whatever comes to mind.

After you’ve finished look back at what you’ve written and ask yourself if there is a big gap between
how you would like your life to be and how it is.
Then after you have established what seems to be missing from your life, see what you can do, realisti-
cally, to take your life just one step closer to your ideals. Don’t try to, say, jump from your life where you
struggle to just pay the bills to traveling the globe, but possibly if traveling the globe is in your “perfect life”
vision, you might be able to introduce some adventure into your life by visiting a museum that is nearby and
you’ve always meant to take in but haven’t been able to find the time for.
Try to instill the values of what your “perfect” visions tell you are important within the framework of
the life you have. You are likely to expand your experience and enjoyment of things that are within reach
now—not someday when you finally have enough money (which might take a while to accomplish.)

Did You Know? The New FHA Lending Limit is $417,000!

The new, higher lending limit will enable senior borrowers to obtain a substantially
greater benefit from their homes, if the value is higher than the previous HUD limit.

Similarly, existing senior borrowers whose home value is greater than the new HUD
limit may be able to increase their benefit by refinancing their Reverse Mortgage and
are encouraged to contact Next Generation Financial Services, a Division of 1st Mari-
ner Bank at 1-866-362-4500, to find out if they qualify.

Are You Getting Some Zzzzs!?

If you have trouble sleeping
you might want to follow the
tips below. Remember, these
tips are for “typical” adults—
they’re not for children or for
adults suffering medical con-
ditions, etc.
• Set and maintain a regular bed-
time. The sleep cycle is regulated
by the “circadian clock” in the
brain. Setting and keeping a regular
bedtime strengthens this function
and gives you a better chance of
falling asleep, getting a good
night’s sleep and waking up re-
freshed.
• Establish a bedtime routine, like
taking a hot bath, reading a book or
listening to soothing music. This
will help you transition from the
wak-ing world to the sleeping
world. Establish a routine that re-
laxes you, and avoid activities that
cause stimulation and stress just
before bedtime. Don’t try to solve
family problems, pay bills or per- ingestion. • Avoid
form other activities that could nicotine close to
cause anxiety. bedtime. Nicotine
• Create a sleep environment that is is a stim-ulant and
dark, quiet, comfortable and cool. can cause sleep
Set up a sleep environment that re- problems.
flects your needs. • Avoid alcohol close to bedtime.
• Make sure you have a comfortable Alcohol can cause you to wake up
mattress and pillow. If you are more often at night and disrupt your
sleeping on a mattress that is more sleep.
than nine or 10 years old, you will
need to get a new one.
• Don’t eat close to your bedtime. Looking for elder care, home
It’s best if you can finish eating at
least two or three hours before bed- care, adult day care, or as-
time. sisted living, and not sure
• Regular exercise routines can help
you get a sounder night’s sleep. If where to find local informa-
your schedule permits, the best time tion and resources?
to exercise is during the late after-
noon.
• Avoid caffeine close to bedtime.
Visit:
Caffeine can remain in your body
for up to three to five hours after www.NGFSElderCare.com