Living 50 Plus 02.21.2020 by Brentwood Press & Publishing

FEBRUARY 21, 2020

The Press’ Special Edition

Living 50 Plus

Photo by Tony Kukulich

IT’S A Grand REOPENING

Please join us as we celebrate our grand reopening with the completion of our renovations. Enjoy appetizers, refreshments, prizes and tours of our beautiful building.

Saturday, February 29, 2020

10 am - 2 pm

TreVista Senior Living, 3950 Lone Tree Way, Antioch, CA

Please contact Tamsen Meierdierck, to RSVP.

(925) 470-3395 tmeierdierck@trevista-antioch.com

Ask us about our Move-In Special

TreVista Antioch is part of the Agemark family of senior living communities. 3950 Lone Tree Way | Antioch, CA 94509 | Trevista-Antioch.com

RCFE #079200748

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FEBRUARY 21, 2020

12 years later… Have we recovered?

have just entered my sixth decade. Boy howdy, when did that happen?

I have had a couple of realizations since my big Six-O birthday. My first was, 60 is pretty much the same as 59. I know this decade will bring new adventures. Whether that is travel, or knee replacement, I know I will experience all kinds of new and exciting things over the next 10 years. On the morning of my birthday, after all kinds of anticipation, and teasing ahead of turning 60, the dishes were still in the sink, the dogs and cat still needed to be fed, and my husband was standing there making his fabulous special blend of coffee. I looked around and said to myself “Yep, this is my life, and I am pretty damn lucky to be standing here at 60 years old, happy and healthy. As I am moving through my sixth decade, I have many new thoughts crossing my synapses. When will we retire? 10 years? 15 years? Will we be healthy? Where will we live? Will we have enough money? So, as I am thinking about these new topics, my second revelation is, there are no guarantees of tomorrow, or what tomorrow will look like. This last decade certainly taught us that, in spades. In September 2007 I accepted a job with a large, local, mortgage banker. In January 2008 I was laid off from that job. Yes, four and a half months into the new job, the owner announced to the whole company that he could not meet payroll that day. So, I got another job, with a big, international company, and 15 months later they shuttered their doors. I went and got another one, and 19 months later they too, exited the business. Now mind you, I had had 3 jobs in 26 years, and now I had had 3 jobs in less than 4 years. It was crazy. I did not have a lot of liquid savings, so I was having to liquidate my hard-earned 401K during these harrowing times. But I will say, I knew I was lucky that I had a 401K to draw on. It allowed us to survive, and to keep our home. Once we came out the other side of that whole debacle, like everyone, we were pretty beat up financially. e counted our blessings and started to rebuild. Between then and now, I am so grateful to be able to say that our lives are back on track. Our younger two are in college, our older two are well on their way to building their own careers and families. We survived. What we learned from 2008 is that security is fragile. It is a concept we all strive for throughout our lives but until we survive something like 2008, we don’t realize how quickly it can slip through our fingers. When we are young our security comes from our parents being there to cook breakfast and send us off to school, to teach us to ride our bike, and kiss our knee when we fall down. As we grow older, our sense of security comes from many different directions – our partner, our jobs, our kids, our faith, our friends; two-legged and four-legged. Financial security specifically, comes from having money. How much money we need to obtain that sense of security is very personal. It is often influenced by how we grew up. If we grew up with modest means, or with more money that we knew what to do with, it all influences how we think about money in later years. As we grow older, we expect to obtain a sense of security. We work all our lives, we save, we invest, we

Beth Miller-Rowe has been in the mortgage industry for 36 years specializing in reverse mortgages for the past 10 years. Beth has degrees in economics and business administration. work long, hard hours. We have a clear expectation of how things will turn out, and one of those expectations is a sense of financial security. Yet for some, that expected, earned, and deserved, sense of security is still fleeting. One of the biggest reasons for this is the 2008 economic collapse. No one came out unscathed, and many did not have enough working years left to fully recover. In a recent survey done by AARP it was found that one third of middle aged “kids” who have one parent still alive, are providing financial support for that parent. Over half of those providing support are giving $1,000 or more to their parents in the last year. Within that group, 34% provided up to $5,000, and 13% as much as $10,000. The support they are providing goes mainly to help meet basic living expenses, such as groceries and medical costs. It is not going to extravagant cruises, or diamond rings. It is going to obtain that very basic security we all worked hard for, and we expected, as we contemplated retirement. This cohort is sometimes referred to as the ‘sandwich generation’. They are caught in the middle, supporting their children, often grown children, AND they are helping their parents out financially as well. We are taught to save from a very young age. We learn the time value of money. We build upon our good fortunes, whether that is buying our first house, opening an IRA, or signing up for our first 401K. We strive to build wealth and enjoy prosperity. Wealth may very well not mean millions but rather it means adding on to our financial building blocks over time so as to enjoy security later in life. We all have a pot of money – big or small. Within that pot of money is our income – employment, social security, or pension. Our pot also includes our 401k, 403B, IRA, stocks, bonds, annuities, and all kinds of other creative savings vehicles. As we approach retirement, we naturally begin to think, “Will our money last as long as we will live?” The most quoted words of every financial planner are “If you tell me the day you will die, I will tell you how much

money you will need to make it to that day.” While that is a funny line, do we really want to “just make it” to that day? We are living longer, and we are young at heart. We are still ready, willing and wanting to live out our dreams. We want to revel in our retirement years, we want to travel, and play and experience new adventures. We are choosing to live our best lives! As you can imagine, the financial planning community has done a tremendous amount of research about how to make our money last longer. In the past, they have taken our home equity and put it on a shelf, never to be looked at again. For most people, our home is our most valuable asset, and our equity, often is the largest portion of our wealth. We cannot afford to put it on the mantle for all to admire. Using your home equity, via a reverse mortgage, provides tax-free proceeds. Utilizing tax-free money before taxable retirement assets is an obvious benefit, and one that will likely extend the life of your retirement assets; And may even increase the ultimate value of your legacy. Whether we are living 50, living 60, or 70, 80 or 90, we all want, and need, a sense of financial security. Whether that is a safety net or living more comfortably each month, it is important to our healthy psyche. If you would like a no pressure, no obligation presentation in your home, I am happy to come sit at your kitchen table and chat about your goals. I will go over the program, the process, and the costs. I will then leave everything with you to mull over. If it sounds good, call me; and if it is not right for you, that is okay too, at least you made an educated decision. Call me today to schedule an appointment to meet in the comfort of your home. I look forward to meeting you. – Advertorial

Let’s take a look and see if we can Make Your Retirement Dreams Come True.

Beth Miller-Rowe NMLS: 294774

Branch Manager and Reverse Mortgage Specialist

The Reverse Mortgage Group • A Division of American Pacific Mortgage Corp.

Office: 925-969-0380 Cell: 925-381-8264 Beth@YourReverse.com

3478 Buskirk Ave., Ste. 1000 Pleasant Hill, CA 94523

Your Retirement Dreams Can Come True! A Division of American Pacific Mortgage Corporation NMLS 1850

DRE: 00950759/01215943 • NMLS: 294774/831612/1850 Licensed by the Dept of Business Oversight under the California Residential Mortgage Lending Act

*Reverse mortgages are loans offered to homeowners who are 62 or older who have equity in their homes. The loan programs allow borrowers to defer payment on the loans until they pass away, sell the home, or move out. Homeowners, however, remain responsible for the payment of taxes, insurance, maintenance, and other items. Nonpayment of these items can lead to a default under the loan terms and ultimate loss of the home. FHA insured reverse mortgages have an up front and ongoing cost; ask your loan officer for details. These materials are not from, nor approved by HUD, FHA, or any governing agency. **American Pacific Mortgage Corporation is not financial service company or licensed tax advisors; the material provided is for informational and educational purposes only and should not be construed as investment, tax and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors. We are not financial or tax advisors, please contact your financial professional for your personal financial situation.

FEBRUARY 21, 2020

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Finding the best home for your loved one A LY B R O W N

t TreVista, an assisted-living and memory care center in Antioch, fostering a family

atmosphere is at the heart of the business’s mission. “Our philosophy is to have a family environment to promote our residents’ independence while giving them a quality of life and monitoring health and safety,” said Sonya Smith, TreVista executive director and geriatric nurse. “We treat everyone like family, so they don’t feel institutionalized.” Smith noted each resident has their own apartment and the staff offers a wide range of assistance, from making sure seniors are safe while getting in and out of the shower or helping with medications to providing activities the individual once enjoyed to help stimulate memories. Those at TreVista also work to make sure there are opportunities for residents to remain a part of their local community. “TreVista is greatly involved with our ON THE COVER: The staff at TreVista Senior Living & Memory Care offer residents and their families complete services for all stages of senior living and care. Photo by Tony Kukulich.

Photo by Tony Kukulich

Residents at TreVista Senior Living & Memory Care enjoy a variety of amenities from dining room service to social activities and personalized care. local community,” said Smith, adding the center sponsors the Antioch, Pittsburg and Brentwood chambers of commerce and residents participate in local events. “We work to make sure our residents feel connected. Whether it’s a car show or a parade, it really means a lot to our residents to have that connection.” For loved ones with memory challenges, Smith recommends that family members learn to recognize signs of dementia and Alzheimer’s disease in order to make the appropriate plans for long-term care. According to Alzheimer’s Association, early symptoms can include difficulty completing once-familiar tasks, challenges solving problems, trouble

understanding images or spatial relationships, changes in mood and personality, memory loss that disrupts daily life, among others. Smith expanded on this concept of memory loss in aging individuals. “As we age, there’s what we call the ‘normal aging process,’” she said. “We’re going to be more forgetful — it just comes with aging. But when you start noticing things that are red flags, things that make you think, ‘That doesn’t seem like Mom’ — not just losing the keys, but they left the water running, or accidentally ran into the curb with the car, or they get lost — getting plans in place sooner rather than later is beneficial.” Smith recommended family members

form plans A, B and C and learn about a variety of places that offer care. “We all offer similar services, but each community is different,” she said. “Much like how some friends’ houses are more welcoming than others, you’ll want to look into that personal experience of each home.” Smith recognized the transition in living situations to be difficult for not only the individual but also the family members observing the progression of the illness, which is why creating a family environment for the senior is a top priority for TreVista. Community members have recognized this family feeling. “I was very impressed with the facility and all that it offers! It’s family-friendly,” wrote Vicki Easterday in an online review. “They encourage family members to come visit their loved ones as often as they can, eat with them whenever they can and even enjoy their activities room (painting, games, etc.) with a family fun night! I would recommend them highly!” For Smith, becoming a geriatric nurse stems from her passion to help others and also the personal experience of watching her greatgrandmother change before her eyes due to Alzheimer’s disease. “I remember (my great-grandmother) being very classy and wearing high heels every day. Her hair was always put together, her lipstick on — driving the newest Cadillac out there,” Smith said with a fond chuckle. see Home page 15B

Elder Law and Estate Planning

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elping families and seniors plan for a secure future and peace of mind. See information about my upcoming FREE workshops on estate planing by visiting me online.

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The benefits of cannabidiol products JORDYN TOSCANO

ue to myriad health benefits, cannabidiol (CBD) has become a very popular alternative or addition to pharmaceuticals in recent years.

Photo courtesy of Harvard Health

CBD products come in a variety of forms that include topical gels, oils, gummies and pills, as each method of consumption has a different purpose.

CBD can be used to combat the effects of aging by nourishing the body’s unbalanced tissue with natural chemicals called phytocannabinoids, found only in the cannabis sativa plant. Aging is the primary cause of unhealthy endocannabinoid system (ECS) function within humans. From stress regulation to pain response and muscle control, our ECS is meant to properly regulate and balance tissue activity. CBD is the only plant that can naturally produce the chemicals we need to replenish ECS when it is unbalanced. “Come to find out, CBD is just what Brentwood needed in the senior community,” said Carrie DeGrandmont, owner of The Health Hut, in downtown Brentwood. “It’s just taken off because it works so well; so many people are finding relief.”

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While some consumers may assume that the use of CBD will get them high because it originates from the cannabis plant, you get all the benefits of the plant without any psychotropic effects, according to Gary Whitehead, representative of Deep Relief CBD. Any psychoactive effects are rooted in a chemical called tetrahydrocannabinol, or THC. According to Project CBD (projectcbd.org), “unlike THC, CBD does not make a person feel ‘stoned’ or intoxicated. CBD can actually lessen or neutralize the psychoactive effects of THC, depending on how much of each compound is consumed.” The majority of CBD products are considered CBD isolates, meaning there is 0.00% THC in them. Even with those CBD products that are not isolates, the percentage of THC is so minute, there is no chance of getting high as you would from smoking marijuana. “CBD is just a miracle thing,” said 92-year-old Barbara Guise, previous proprietor of The Health Hut. “It has no adverse effects; there have only been positive results so far.” CBD can help mitigate a large

range of physical and mental health issues in consumers. For example, individuals suffering from sleep issues, anxiety or stress can take CBD to help relieve their symptoms. CBD can also alleviate pain due to physical ailments, including arthritis, muscle pains, glaucoma and more. “CBD binds on to your brain receptors, and it is getting into whatever you need to be brought into a balanced state of homeostasis,” said DeGrandmont. “So one person will use it for their knee and the next person is using it for sleep and the next person is using it for back pain, anxiety … ” CBD products come in a variety of forms that include topical gels, oils, gummies and pills, as each method of consumption has a different purpose. Individuals who are interested in obtaining CBD should contact a professional to determine which form of CBD would work best. You must be 21 or older to purchase CBD products. The Health Hut is located one 161 Chestnut St., Brentwood. For more information, call 925- 634-5361. For more information on Deep Relief CBD, contact Gary Whitehead at 925-428-3808

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Nutrition needs change as we age

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JORDYN TOSCANO

he half-century mark of age 50 is a milestone for many individuals, as it brings on new

medical tests and health issues signaling that a change in diet might be necessary. “As we get older, based on our previous eating habits, we develop high cholesterol, diabetes, heart conditions, standard illnesses … and traditionally the way they’ve been dealt with is ‘take a pill.’ But the health effects when you eat properly are phenomenal,” explained Barbara Frantz, owner and farmer of Tess’ Community Farm Kitchen. While the task of altering your diet may seem daunting, there are thousands of resources online, in health stores and medical offices ready to guide you in the right direction. Always talk to a medical professional before beginning a new diet plan. John Muir Health Services suggests that individuals over the age of 50 eat fresh, whole foods on a daily basis. These include colorful fruits and vegetables, cold water fish, proteins from nuts and legumes, whole grains and low-fat and calcium-rich foods such as milk or yogurt.

“A diet low in saturated fats with five or more servings of fruits and vegetables each day can go a long way toward enhancing your health,” said Lawren Hicks, M.D., John Muir Health medical director of senior services. Calcium and Vitamin D deficiencies are also proven to be fairly common among older adults. It is suggested that older, healthy adults consume 1,200 milligrams of calcium every day and a Vitamin D supplement if necessary. While the task of completely changing your diet may seem overwhelming, there are simple ways to go about it. For instance, preparing your meals a week ahead of time can alleviate the stress of making a new meal each day. “I’ll take a Sunday morning, and I’ll make up a bunch of food for the week,” said Frantz. “For example, salads in a jar. You can take canning jars and you can stack salad ingredients. Then when the day comes, you just tilt the jar over and you’ve got a fresh salad.” Your weekly meals can be as simple as riced cauliflower pizza crust with organic toppings and as complex as caprese chicken. Finding new, healthy recipes to try is much simpler than it may sound. Contact a health professional for meals suggestions,

or research lean and green meals online for a variety of options. Before altering your diet, make sure to reach out to your doctor. Personal health issues, medications or lifestyles may limit dietary choices. Tess’ Community Farm Kitchen is located at 8091 Balfour Road. For more information, call 800-800-5373. Hicks practices out of Walnut Creek, at 1450 Treat Blvd. For more information, call 925-296-9724.

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Fond memories of celebrity sightings O VER THE YEARS, I HAVE HAD THE thrill of meeting several extremely famous folks and some not as famous but still exciting for me. Grandpa is mortified whenever there is a celebrity nearby and gives me “the look,” which says Senior please, please, please, orner don’t embarrass us. Unfortunately for him, my enthusiasm is too much for me to stifle, and I can’t stop myself from approaching people who I enjoy watching on TV, in Marla movies or sports. Luckhardt My list is actually very long from my days in New York City as a child to living in California as an adult and visits to Las Vegas. It would take hours to write about all the stories, so I selected a few that had special meaning to me and hopefully will bring a few smiles to your faces. We recently lost a fine actor by the name of Orson Bean. His resume reads like the triathlon of talent from Broadway to television and movies. He won several awards and nominations for his performances with glowing accolades on his entire library of work. While I was walking down the street with my favorite aunt, heading to see a Broadway musical, I spotted Orson Bean out of the corner of my eye. I

recognized him from television and even at 12 years old, I was starstruck. I ran up to him and yelled “Mr. Bean!” and he smiled and said hello. I think the reason it stood out in my mind all these years was his impish grin and kindness to an awkward but enthusiastic preteen fan. Bean was a very talented Broadway stage performer, and some may remember him from game shows that he was frequently a guest on or perhaps the quirky neighbor on “Desperate Housewives.” The list of his accomplishments goes on and on, but his smile will always be something that I will remember. In 1964, at the ripe old age of 13, I was allowed to take the Long Island Railroad with a friend into New York City to see the show “Golden Boy” with Sammy Davis Jr. The Wednesday summer matinees were about $3, and the highlight was waiting in the alley of the Majestic Theater before the performance in the hopes of a glimpse of the famous star. As we stood among a small crowd, Diana Ross and The Supremes walked though to visit the cast. I thought that was the highlight but soon after the door opened and cast member Johnny Brown came out and asked if someone could please run and get coffees for the cast and Mr. Davis’ guests. “Yes!” I yelled, and off I went to the coffee shop nearby with my order and money from Sammy! When I returned and knocked on the door, I was invited in to meet him. It was like a dream since I was standing there in my pigtails with

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Jaime Rogers, Johnny Brown, Lola Falana, The Supremes and, of course, Sammy Davis Jr. The show was exceptional, and I sat there thinking, “I know these people!” In 1965, the book “Yes, I Can” came out in which Davis wrote about many things, including the horrific car accident that took his eye and nearly killed him. I read that book over and over, and in 1966, I was lucky to go to Radio City and see his variety show, which included many who were also cast in “Golden Boy.” The excitement of this now true fan at the age of 15 was only magnified tenfold when I met him in the lobby and told him the coffee story. He hugged me and told me the story was “groovy.” I never forgot how generous he was with his kindness, and yes, he too was extremely groovy! For many years, our family would go

to the “borscht belt,” which was a group of hotels, bungalows and retreats in the Catskill Mountains of southeastern New York. The Pines was a favorite of my grandparents who invited us for Labor Day weekend each year. It reminds me now of the movie “Dirty Dancing,” and I was Baby. No, I didn’t dance with Patrick Swayze or get put in a corner, but I did meet Robert Goulet in the elevator and had an ice cream sundae with the hilarious Totie Fields. After Goulet touched my braid, I swore I would never wash my hair again. Ms. Fields was a delight and seemed very happy for the company while we ate our sundaes together at 10 o’clock at night! These sweet stories that I keep in my heart are just a few of the dozens of encounters I have had over the years. Meeting icons and finding out that, for the most part, they are just people like us but with a famous face is thrilling. Some are not as friendly or just can’t be bothered, but for the most part, I have met very sweet and accommodating folks from the entertainment industry. Over the decades, I still get a tad over the top around them, and Grandpa still cringes, but that’s part of the fun. If you have a famous celebrity interaction, feel free to email and share. These kinds of memories are precious. Marla Luckhardt is a Brentwood resident who works with several local senior care and advocacy groups. Reach her at marla2054@ aol.com.

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In 1964, at the ripe old age of 13, I was allowed to take the Long Island Railroad with a friend into New York City to see the show “Golden Boy” with Sammy Davis Jr.

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“When it was time to find help for Mom

I made the best decision for all the right reasons.” “I wanted a caring and friendly environment for Mom, with personal attention and a great quality of life. I found it all right here, where Assisted Living is designed individually for those who need some help with the activities of daily living. People like my Mom. Each day Mom gets three fresh, home-cooked meals, opportunities to socialize — even group trips. Since she moved in, she’s discovered a renewed sense of energy. I couldn’t ask for anything more — and neither could Mom.”

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absolute “Susan has been an I. She was blessing to Allan & way, the there every step of yond be d an e ov and went ab e tat es l rea a of the duty number professional. She is ly is the tru e 1 in my book! Sh highly I s. es sin best in the bu sale the in r he nd recomme he e ra of one’s home. I giv ” rs. sta diamond over 5

Seniors can find scores of discounts to help them save money if they know where to look.

~ Alison Roby

Photo courtesy of Metro Creative

Senior perks and discounts

rowing older may come with

Real Estate, at least for me, is about so much more

some added laugh lines or a

than making a sale. I am so honored that I get to help people find their forever home, sell their current home, and I get to make what is almost certainly the biggest purchase of their life easier for them. My job is to make these deals seamless, to make you comfortable and most importantly make sure you have fun shopping for your home. I know you have lots of choices when it comes to picking a Realtor, and I hope you will let me make your dream home your reality! I can help answer your questions regarding schools, parks and more!

Susan Redgrave, Realtor DRE#01997935 925-483-3294 www.RedgraveRealty.com RedgraveRealty@gmail.com

DRE#01882902

few extra aches and pains,

but many will attest to the benefits and wisdom earned from a life well-lived. And if that’s not enough, the discounts and other perks afforded seniors can make reaching one’s golden years a bit easier to embrace. Every day the list of companies offering special deals for people of a certain age continues to grow. Individuals willing to do the research or simply ask retailers and other businesses about their senior discount policies can be well on their way to saving serious money. Keep in mind that the starting points for age-based discounts vary, with some offering deals to those ages 50 and up, and others kicking in at 55 or 60.

The following is a list of some of the discounts that may be available. Confirm eligibility as companies change their policies from time to time. Also, the editors of Consumer World say that the senior discount might not always be the lowest price, so comparison shopping is a must to find out which discount or coupon is the best deal. ♦♦ Amtrak: Travelers age 65 and older can enjoy a 10% discount on rail fares on most Amtrak trains. For those who prefer ground travel but want to leave the car at home, this can be a great way to get around. ♦♦ Fast-food/sit-down restaurants: Establishments like Wendy’s, Arby’s, Burger King, Denny’s or Applebee’s offer various senior discounts. Most are 10 to 15% off the meal. Others offer free beverages or an extra perk with purchase. see Discounts page 13B

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Avoid medication errors with these tips

rescription medications are a

necessity for many people. The American Academy of Family

Physicians indicates each week four out of five adults in the U.S. will use prescription medications, over-the-counter drugs or various supplements. Approximately one-third of adults take five or more medications at the same time. The potential for adverse drug events is elevated when people are taking multiple medications at one time. For example, mixing pills has the potential to cause serious injury or even death. Doctors, patients and pharmacies must work together to ensure that medication is taken safely. One of the best ways to prevent errors with medications is for patients to take an active role in their health care management. ♦♦ Know your dose. According to Mayo Clinic, children are at an especially high risk for medication errors because they require different doses than adults. Adults of different weights who share medications can run into trouble as well. It is key to follow the dosing instructions, as even a minor error in regard to dosage can potentially cause a big problem. ♦♦ Follow up with your doctor. Certain

medications can cause side effects that only can be noticed by lab testing, such as an impact to the liver. Doctors also may be under an obligation to follow up with patients taking psychological drugs to ensure the efficacy of treatment. Make sure you keep all follow-up appointments. ♦♦ Maintain a current list of medications. It is up to patients to share information with prescribing doctors regarding any and all products being taken to avoid harmful interactions. Using the same pharmacy for all prescriptions also is helpful. ♦♦ Be honest about height and weight. Medication labeling and package inserts typically use metric units to correlate dose to a person’s physical attributes. Individuals should know their information in metric measurements and be honest about what they weigh. ♦♦ Use medications correctly. It is important not to chew nonchewable pills or cut pills unless the pharmacist or doctor has said it is safe to do so. Accurate dosing also requires using the right spoon or syringe, not silverware. Store certain types of medications, such as eye drops and ear drops, separately so they’re not mistaken for one another. These are just some of the ways to prevent medication errors. People can consult with their doctors and pharmacists for more assistance in staying safe.

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Fitness programs for seniors

There are more participating fitness locations available than there are Starbucks coffee establishments.

t is important to stay active and

eat healthy foods in an effort to promote fitness and well-being.

This is especially true for seniors, many of whom lead increasingly sedentary lifestyles as they age. The American Heart Association indicates adults should get at least 150 minutes of moderate exercise per week or 75 minutes of vigorous aerobic activity. A Harvard University study further notes that exercise can be an insurance policy for heart health. Today’s seniors have more fitness options at their disposal than ever before. SilverSneakers is the leading community fitness program for older adults in the U.S. SilverSneakers members can participate in specially curated programs at participating gyms and community centers across the nation. According to the organization, there are more participating fitness locations available than there are Starbucks coffee establishments. Classes are fit for everyone, no matter their experience level. Those concerned about gym expenses may find that SilverSneakers already is included in their Medicare Advantage plan for no additional cost. Plus, there is access to healthy living discounts from participating businesses.

Canada has begun to develop its own senior-centric fitness programs. The Healthy, Safe and Strong group exercise program is an introduction to safe exercises available for adults age 60 and older in the province of Ontario. The program can help develop better stamina, maintain or improve balance and increase strength and endurance. StrongerU Senior Fitness is a relatively new program of choreographed group fitness offering instruction in four program types: cardio, strength training, stretching and circuit training. The program addresses a need in Canada for quality and consistent senior fitness programing. As studies show that engaging in physical activity is the most effective way for aging men and women to stay healthy, more adults may be compelled to join fitness groups that cater to those over 50. – Courtesy Metro Creative

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MIKE’S ESTATE PLANNING MINUTE By Michael J. Amthor, Esq.

IF YOU LIVE WITH A LIFE PARTNER, WHO RECEIVES YOUR ASSETS UPON DEATH?

The answer to this question may shock you. Adults 50 and over who live together and never marry has increased 75% since 2007. The law has very little protections for life partners compared to a spouse. Our court system is simply not set up to deal with people who live together in committed relationships but never marry. There are numerous spousal rights that come with a marriage certificate. If you don’t marry however, the consequences when your non-marital partner dies can be very unfair. The good news is that there are a number of documents that unwed partners can enter into to protect each other. However, you have to make an intentional effort to protect yourself financially. The law will not help you. An estate plan is the first step. At a minimum, a will describing how you want your assets distributed should be prepared. Without a will, the default will be that your partner will receive nothing. Typically, either your children, parents or siblings receive your assets. It does not matter that you have not talked to them in 20 years. The law decides. Other options

Enjoy reading Your Hometown Newspaper?

include naming your partner as a beneficiary on retirement accounts and life insurance. You can also name your partner to receive bank account or brokerage account funds by contacting the financial institution and completing the correct documents. Some deeds allow for property to remain in the name of the partner upon death. Other types of deeds result in the partner’s interest becoming a part of their estate and then distributed to a third party you may have never even met or like for the matter. Regardless of whose name is on the loan, the person named on the deed is the owner. It becomes part of the probate estate and distributed to someone other than their life partner. It is important to have a discussion with your partner and get on the same page. Then contact an estate-planning attorney such as myself to put your plan in writing. If you have questions on this or any other estate planning topic, call me at (925) 516-4888. East County Family Law Group, 1120 Second Street, Brentwood www.eastcountyfamilylaw.com – Advertisement

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Improve Your Hearing with the Hearing Aid Test Drive How can you be sure which hearing aid is right for you? Make an Informed Choice At Hearing Services of Antioch, we believe the only way to know which hearing aid is right for you is to experience the benefits in your day-to-day life. That is why we created a hassle-free, no pressure process that truly puts you in the driver seat.

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strengthens cells in the human body and contributes to complete regeneration. 4. Fights Glaucoma CBD as a pain management product works well, and may have the added benefit of helping reduce pressure. 5. Insomnia and Sleep Issues CBD can help in the extension of the deep sleep phase and the reduction of the lighter sleeping phases. 6. Alternative to Prescription Medications CBD has been used to combat addiction to prescription drugs. 7. Stimulates Appetite A general, dangerous health hazard among older citizens is the loss of appetite, which causes weight loss, tissue weakness, and mental issues. CBD has proven to be a good appetite stimulant and thus helpful for seniors. 8. Alzheimer’s and Dementia CBD, can contribute to the elimination of a toxic protein related to this disease. This is triggered by a loss of inflammation of the brain and regeneration of damaged cells. While the potential benefits of CBD use are well documented, it is recommended that you always consult your physician regarding the use of any substance. Gary Whitehead, your personal CDB provider. Phone: 925-428-3808 Email: drcbd@yahoo.com

DEEP RELIEF CBD By Gary Whitehead

Many seniors are not aware CBD is extracted from the marijuana plant, seniors can take advantage of the medical benefits afforded by the extract without the head or body sensation often associated with marijuana. Delivering CBD to their bodies in forms like topical gels, tinctures and oils. CBD delivers all of the benefits of marijuana without making the user high Here are 8 reasons why CBD should become a regular part of every seniors’ health routine as they age. 1. Pain Relief Clinical studies have proved that Marijuana is very effective in decreasing arthritis and nerve pain. Handmade, medical, boutique-style creams are the effective cure of different muscles and joint pains. 2. Bone Health According to a study, cannabis use can help heal fractures and support healthier bones. Because of its anti-inflammatory properties, cannabis can be very useful for patients with multiple sclerosis. 3. Soothing Effects Although CBD is known for its soothing effects on senior consumers, it promotes the feeling of energy and acts against inertia. This is because CBD

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Long-term care insurance can help protect retirement dollars by paying for skilled nursing homes or home health aides.

Photo courtesy of Metro Creative

Exploring long-term care insurance

ndividuals plan for many different scenarios: buying a home, putting kids through college and saving

for retirement, among others. Quite often, the concept of making arrangements for one’s golden years is placed on the back burner. However, that can be an expensive mistake. According to the American Association of Retired Persons (AARP), by the time a person reaches age 65, he or she has a 50-50 chance of needing long-term care at some point in the future. Medicare, the federal health insurance program for people who are 65 or older in the U.S., does not cover custodial care, which is the primary form of care in nursing homes. Therefore, many people must find alternative ways to finance nursing homes and other long-term care options. Those who must pay out of pocket spend an average of $85,000 per year on a nursing home in the U.S., and this is often an expense that has not been included in retirement budgets. Long-term care insurance can be the best option to offset the high costs of care in most instances. It helps cover the costs of services that aren’t covered by regular health insurance, namely assistance with routine daily activities like bathing, dressing or getting in and out of bed, advises the financial resource NerdWallet. Such care

may be administered at home by a private health aide or in a skilled nursing facility. Most policies also will reimburse for services rendered in an assisted-living facility or an adult day care center. According to a study revised in 2016 by the Urban Institute and the U.S. Department of Health & Human Services, about 14% of people age 65 and older will require care for more than five years. Getting the facts about long-term care insurance can help individuals make important decisions for their futures. ♦♦ The earlier a person buys a long-term care insurance policy, the lower the rates tend to be. The American Association of Long-Term Care Insurance notes a 65-year-old couple can typically buy a policy for $4,800 per year to offer base benefits of $180,000 plus 3% inflation growth. That plan price more than doubles if purchased at age 75. ♦♦ Cost also is based on the maximum amount the policy will pay per day and the number of years the policy will pay. Many policies limit how long or how much they will pay, some between two and five years, states the Administration on Aging. ♦♦ Policies require some medical underwriting, so not everyone will qualify. AARP suggests seeking out an independent agent who sells policies from multiple companies rather than a single insurer. Long-term care insurance can be an effective way to pay for the high cost of skilled nursing care. – Courtesy Metro Creative

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Discounts from page 8B ♦♦ Kohl’s: This popular department store provides a 15% discount every Wednesday to shoppers ages 60 and over. ♦♦ Marriott: Travelers age 62 and older are privy to a 15% discount on room rates at Marriott brand hotels, subject to availability. ♦♦ Roto-Rooter: Plumbing problems can get expensive, but online sources cite a 10 to 15% discount depending on location for this draincleaning service provider in North America. ♦♦ National Parks: The U.S. National Parks Service offers steep discounts on the annual pass, which provides entry to more than 2,000 federal recreation sites. ♦♦ Grocery stores: Food shopping gets a little easier with discounts. Be sure to check with local supermarkets about senior discounts

as they can vary pertaining to the day of the week or when one is considered a senior. ♦♦ American Association of Retired Persons (AARP) membership: It is important to note that many companies require enrollment in AARP for people to get senior discounts. AARP also has its own AARP Prescription Discount Card so that members and families can save around 61% on FDA-approved drugs that prescription insurance or Medicare Part D plans fail to cover. ♦♦ T-Mobile: This carrier offers two lines with unlimited talk, text and LTE data for $35 with autopay for seniors age 55 and older. Only the primary account holder has to be 55. With a little digging, seniors can find scores of discounts to help them save money while enjoying their golden years. – Courtesy Metro Creative

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Tips for senior travelers any disabilities, contact your carrier and

time and the financial capacity

hotel or tour company and be sure that

to travel as much as retirees.

such as wheelchair access or ground-

According to a 2017 survey from American Association of Retired Persons (AARP), travel is a top goal for more than 80% of baby boomers. Children may find that encouraging their aging parents to travel can promote more independence and help them live fulfilling lives in retirement. These tips can make travel easier for any senior ready to see the world.

Seek the most direct route. Traveling may be a bit easier to endure when the route is as short and direct as possible. It may cost a little more to book nonstop flights or travel during peak hours, but that investment may be worth it.

Choose seniorfriendly travel services. Photo courtesy of Metro Creative

These tips can make travel easier for any senior ready to see the world.

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there will be accessibility arrangements, level accommodations.

Pack light. Don’t get bogged down by excess luggage. Pack only what you need, including medications, in a carry-on bag.

Consider a cruise. Cruises combine food, entertainment and comfortable rooms in one convenient package.

Manage medications. If prescription medications are needed, be sure to consult with the doctor and pharmacy about getting a supply that will last the course of the trip.

Working with a trusted travel advisor is often easier than booking your travel yourself. Travel agents often have inside information and may be privy to perks and discounts. Plus they can streamline the process, ensuring all you need to do is go along for the fun.

Inquire about accessibility.

Bring along a companion. You may feel more comfortable bringing along one of your children, another young relative or a close friend, especially if you are traveling internationally. This extra person can help navigate and ensure all your needs are met. For local information on booking a vacation, call Vacation & Voyages, at

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Home from page 3B “When she started declining, she lived with it for three years. She was nonverbal a lot; we had to help her eat. We really tried to be there for her. I remember one time when I was with her, she wasn’t yelling but expressing herself with noises. I held her hand and looked in her eyes — and you can see it in their eyes. She looked at me like ‘help.’ The music was on, and I said, ‘Let’s dance, Grandma,’ and we just danced. It’s those simple things of remembering that, whatever illness it is, it’s important to remember that they’re not their illness; they are a human being with memories in their life and a legacy to still share.” In terms of finances, Smith explained that even though assisted living is paid for

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through private funds, the staff will help families understand options and play an active role in finding the right resources, such as long-term care insurance or benefits available for veterans. “To be able to work with our families and residents and be there to help them and not focusing just on their disease but on them as a person and their legacy and sharing those memories at times and looking at photos with them — that is the best reward,” Smith said. “We are blessed to have this opportunity that families trust us to be there and share in the memories; it’s very dear to my heart because that is somebody’s family.” TreVista is located at 3950 Lone Tree Way, in Antioch. For more information, visit www. trevista-antioch.com or call 925-470-3395.

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since 1989 Bonded & Insured Lic. #557556

925-513-8759 www.deltaroofinginc.com

Tree Service MATTHEW'S AAA INC.

TREE SERVICE & HAULING Lic.# 916092

• Tree Trimming & Removal • Stump Removal • Palm Tree Service • Hauling Services • 24/7 Emergency Services Call Today for FREE Quote

(925) 727-5606 • 679-2225 https://bit.ly/36qXjh0

Window Cleaning COMMERCIAL & RESIDENTIAL

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NOTICE TO READERS

R MEDAL VE AWARD

20 2 188

shower door included. 20199 ($75 value)

FREE Removal of old

234-0573

FREE ESTIMATES! FAIRVIEW HEATING & 925-752-4868 www.plsgreen.net AIR CONDITIONING

Frameless Glass Showers

Adriana

CA Lic.#1059793 / Bonded

ELECTRICAL

LED LIGHTING FOR A BRIGHTER FUTURE

New Lawns, Sprinkler Systems, Fences, Stamp Color Concrete, Retaining Walls, Free Estimates

Office: 510.323.3190 Cell: 925.698.4531

925-634-1441 Lic#858654

CALL TO ADVERTISE

E MEDA NZ AWARD

925.689.7017

625-2263

E MEDA NZ AWARD

Call for FREE estimate

E MEDA NZ AWARD

Specializing in ALL Phases of Construction

BR O

Residential & Commercial Construction

• Monthly FREE ESTIMATE • Biweekly • Windows • Blinds 20 2 18820 2 17720 2 166 • Deep Clean 12 Years • Move-In/Out Running BR O

West Coast Construction

or email: classifieds@brentwood press.com

WINDOW CLEANING

Brentwood Resident / Fully Insured

408-372-7712