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mailNewsletter 45 | April 2017 | Archives | Services







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Dates to Remember this Month:

May 6 – 12 National Nurse’s Week: this week provides recognition to nurses for their contributions and commitment to quality health care.  It brings awareness to the importance in the care, comfort, andwell-being of all of us, especially our children, the aging, and those in poor health.

May 14th Mother’s Day: Everybody has a mother and absolutely no one is more special than mom. Sure, dad is important. And, grandparent's too. But moms, well they are just the greatest. Often taken for granted, they are always our strongest supporter. You can't do wrong in Mom's eyes. When you are hurt, or not feeling well.... there is no one else that can help you more than Mom. So, go out and celebrate Mother's Day. First and foremost, spend time with her. If you absolutely cannot be there, take time for a long phone call. Flowers, cards, candy and gifts are all part of the day. But, mom wants some time with you far more than anything else.

May 20th Armed Forces Day: This is simply a day to salute sharply all the men and women in all branches of military, who protect you and our country. They can be called upon at a moment's notice to perform a risky and perilous mission for freedom and country. They train diligently both physically and mentally, so they will be prepared to prevail in any mission they face.

May 29th Memorial Day: Is dedicated to service men and women who gave their lives for freedom and country. It is also a time to remember loved ones who have passed away.








·         Live Long or Prosper? How retirees can do both!

Live Long or
Prosper? How retirees can do both!

Some retirees underspend throughout their golden years, sacrificing quality of life to assure they don’t outlive their income. Others resist their desire to be philanthropic because of concerns that donations could leave them short on money down the road.1

A market downturn during the early years of retirement can be one of the biggest risks of running out of money. This may seem incongruous, since the earlier a downturn happens, the more time a portfolio has to recover. However, early loss of principal combined with steady withdrawals can lead to a challenging financial situation.

One common form of financial stability used to come in through a company pension plan. When combined with Social Security benefits, pensions gave retirees an idea of how much they could spend each month for the rest of their life.

Social Security is expected to be in good shape for the next 15+ years, but pensions are quickly becoming a thing of the past.2 If you don’t have or expect a pension when you retire, consider learning how you can create a steady and reliable income stream using an annuity from an insurance company. Annuities can help enhance quality of life throughout retirement by providing a similar sense of financial confidence that pensions once offered.

Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by company. Annuities are not a deposit of, nor are they insured by, any bank, the FDIC, NCUA or by any federal government agency. Guarantees and protections provided by insurance products including annuities are backed by the financial strength and claims-paying ability of the issuing insurer.


1 Bruce S. Udell. Kiplinger. January 2017. “Why Retirees Aren’t Enjoying Their Wealth.” Accessed Feb. 8, 2017.

2 Carolyn Colvin. Social Security Administration. “Social Security Funded Until 2034, and About Three-Quarters Funded for the Long Term.” Accessed Feb. 27, 2017.

·         That Time of Year: Budget Travel Ideas

That Time of
Year: Budget Travel Ideas

With the increasing cost of health care and constraints of a fixed income, many retirees nix vacations for lower-cost visits with family. However, there are plenty of destinations that can be affordable to visit on a budget. The following are a few ideas for this summer and the rest of 2017.

    • Wine tasting in Sonoma, California – Take a bus tour, open-air Jeep, bike ride or even a cable car to tour wineries in California’s Sonoma Valley. Tours may include cave explorations, wildlife sanctuaries, barrel and VIP tastings and a gourmet picnic lunch.
    • The Big Island, Hawaii – Offers unique sights ranging from volcanic landscapes to rainforests with rare, colorful birds to a beach with green sand replete with semiprecious peridots. Lodging is less expensive starting in May through the summer months, and authentic Hawaiian food is available at any number of family-run restaurants.
    • Madison County, Iowa – You may have seen the movie, but if you haven’t visited the six famous covered bridges of Madison County, they offer a quiet glimpse into the beauty and laid-back lifestyle of middle America. Enjoy quaint parks, historic town squares, hometown fairs and festivals, local wineries, and learn crafts of yesteryear such as quilting and glass fusion
    • Lake Champlain, Vermont – Charter a sailing trip, visit beautiful lighthouses and experience the charm of auld New England villages. You’ll find bed and breakfast options up and down the coast to help you escape the summer heat.
    • Savannah, Georgia – Within the walk-friendly historic district, you’ll find an array of park bench squares, museums, low-country restaurants, plus upbeat nightlife options on River Street. Check out the authentic Pirate’s House Restaurant, join the daily lunch line for Mrs. Wilkes Dining Room and take a short drive to check out the peaceful beachfront vistas at Tybee Island on Savannah’s coastline.

·         At Home for the Duration ...

At Home for
the Duration ...

According to the National Aging in Place Council, at least nine out of 10 older adults would prefer to age in place rather than move to senior housing.1 However, while the prospect of living out life at home is overwhelmingly appealing, it’s not without challenges.

One of the benefits of moving to a senior community is that people interact more on a daily basis. This is a particular concern to adult children who worry about their elderly parents living alone or relying on only each other. That’s why, if you live at home, it’s important to keep up social engagements with the outside world. Keep doing what you’ve always done, even when it’s harder, and start back even after you’ve been laid up for a while. Take daily walks, and keep going out to dinner, movies and plays at least once a week; these activities needn’t be curbed by old age. Visit friends, and invite them over for visits. This isn’t just important for aging-at-home seniors -- it’s important for their loved ones’ peace of mind.

Hearing loss is one common obstacle that can deter social interaction as we age. Ignoring hearing issues can inadvertently promote isolation because people may get frustrated and stop visiting or calling someone who has to repeat information several times.

Addressing mobility issues head on is another component to living at home. Some aging adults think that if they start using a cane or walker, they’ll become dependent on it. The fact is, these tools can help prevent falls, not just recover from them. As we age, we start to move slower due to balance issues (often caused by hearing/inner ear issues); moving at a snail’s pace is a way to keep from falling. However, moving slowly also impedes the ability to get exercise. Using a cane or walker can help mature adults move faster with more confidence, so life -- and health -- doesn’t have to take a step back.


1 Michele Lerner. The Washington Post. Jan. 19, 2016. “New online service targets aging-in-place residents.” Accessed March 26, 2017.

·         Quote of the Month

Quote of the








may trivia pic

The first Mother’s Day was celebrated on May 10, 1908 in Philadelphia.

May 15, 1800, President John Adams ordered the US Federal Government to move from Philadelphia to its current location in Washington, DC.

On May 1, 1931, the Empire State building was opened.  This 102-story skyscraper is found in New York City.

Sea otters hold hands when they sleep so they don’t drift away from each other.

The average American spends 38 days brushing their teeth over his or her lifetime.

Potatoes were the first food to be grown in space.  In 1996, potato plants were taken into space with the space shuttle Columbia.




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