Senior Adults

Senior Adults
Living the good life
the
COURIER
Thursday, January 30, 2013
• Health Care • housing Options • Diet & Exercise
• Finances • Insurance • Retirement Options
Page 2
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Left to right: Bellis May, Social Services Director; Lareen Chonzena, Rehab
Manager; Martha Johnson, Administrator; Betty Franks, Director of Nursing;
Tanya Adams, Admissions/Marketing Director; and Laura Brown, Assistant
Director of Nursing
2014 Senior Living
Adamsville Healthcare and Rehabilitation
Center delivers warm and personalized
care in a home-like setting. Our caregivers
are people of integrity, compassion, and
skill with attitudes that are responsive
and positive. We are a team of trained
professionals dedicated to providing
the highest quality of life for each
patient through a variety of innovative,
comprehensive and interdisciplinary
programs.
24 Hour RN Coverage
Skilled Care
Lareen Chonzena-Rehab Mgr., Kristy Acred-Physical Therapist
Assistant, and Phil McIntosh-OccupationalTherapist Assistant,
assist residents in the Rehab department.
Traditional Care
Secure Unit
Physical Therapy
Occupational Therapy
healthcare
serving you from our heart
Speech Therapy
Spacious private rooms are now available!
ADAMSVILLE HEALTHCARE CENTER
409 Park Avenue • Adamsville, TN 38310 • (731) 632-3301 • FAX (731) 632-4111
This facility accepts Medicare, Private Insurance, Private Funds, and Medicaid
2014 Senior Living
www.courieranywhere.com Page 3
Aging athletes should listen to their bodies
Retired professional athletes often
speak about the difficult moment when
they knew it was time to retire from professional competition. The transition can
be easy for some but far more difficult for
others. But aging amateur athletes know
you need not be a professional to realize
there comes a time when your body is
telling you it’s time to ease up.
Athletes are used to pushing themselves
and stretching their limits, but some limits are best not pushed. Such is the case
with the limits posed by aging. While
athletes don’t have to completely fold
up shop and hang up their cleats, tennis
shoes or other athletic equipment as they
approach senior citizen status, there are
steps aging athletes can take to ensure
they aren’t pushing their bodies too far
as they grow older.
•Recognize your new recovery time.
Veteran athletes tend to have a sixth sense
about their bodies, knowing how long
they need to recover from common ailments like ankle sprains, knee pain, back
pain and shin splints. Despite the body’s
remarkable ability for recovery, it’s not
immune to aging, and that recovery time
will increase as the body ages. Whereas
a sprained ankle might once have been
as good as new after a few days or rest,
aging athletes must recognize that the
same ankle sprain now might require more
recovery time. Returning too quickly from
an injury can only make things worse for
aging athletes, so don’t push yourself.
• Take more time to warm up. As the
body ages, its response time to exercise increases. This means the body needs more
time to prepare itself for cardiovascular
and strength training exercises. Increase
your warmup time as you age, gradually
increasing the intensity of your warmup
exercises until your body feels ready for
more strenuous exercise.
•Focus on flexibility. The more flexible
you are, the more capable the body is of
absorbing shock, including the shock that
results from repetitive activities. But as the
body ages, it becomes less flexible, which
makes it less capable of successfully handling the repetitive movements common
to exercise. Aging athletes should focus on
their flexibility, stretching their muscles
before and after a workout. In addition,
activities such as yoga can work wonders
on improving flexibility for young and
— See Aging athletes, page 9
Swimming is a great source of exercise. It is easy on the muscles and bones.
Retire Hardin County
You’ve found . . . home!
www.retiretennessee.org
www.retirehardincounty.org
Page 4
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2014 Senior Living
New technologies helping more seniors age-in-place
(StatePoint) Nearly 90 percent of
people 50 years old and up want to remain
at home as long as possible, according to
a recent AARP study.
If you have an aging parent or grandparent, having a discussion about his or her
alternatives is important. But remember, it
can be a sensitive subject, especially when
he or she has lived in the same place for a
long time. So before broaching the issue,
be sure you understand all the options that
might allow for aging-in-place at home.
“If you’re considering an assisted living
facility for a loved one, make sure you
look at new technologies first to see if you
can help he or she remain independent,
secure and connected from the comfort of 
home,” says Walt Podsiedlak, Health and
Wellness Sales Manager at Linear LLC,
a leading provider of wired and wireless
security technology for seniors.
This starts by discussing the greatest
challenges your loved one faces, such as
mobility, personal care and meals, and
determining what kind of technology or
service addresses those specific needs.
One of the most widely used technologies by individuals aging-in-place are
personal emergency reporting systems
(PERS), that can send for help in an emergency, amongst other functions. PERS
devices have made significant leaps since
TV commercials first popularized them
in the 1980s. For example, new systems
like the Linear PERS-4200 console still
connect a wrist or necklace pendant to a
central monitoring station for push-button
emergency reporting, but useful new
features have also been added.
Here are some features to look for and
consider when picking the right PERS
technology:
•Temperature sensors can provide
alerts to update central stations of hazardous conditions.
•An activity timer can be programmed
to send a signal if a preset amount of time
elapses before either an activity transmitter is triggered or the console’s “home”
button is pressed.
•Audible reminder messages can be
set on a recurring schedule to highlight
doctor’s visits, when medication should
be taken or even social activities.
•Some consoles can serve as speaker
phones, allowing for convenient communication.
•Take note of the range between a
transmitter and a console. For example,
if your mom likes to garden, be sure the
range of the PERS is wide enough to
include the yard.
Williams Engineering Co.
Providing Civil Engineering
and Surveying Services
to the area
for over 50 years.
731-925-5033
365 Main Street - Savannah
Independent Living with
Rental Assistance
For Qualified Applicants
62 and older
1 BR - Patio Style
• Utilities included in rent
Wesley @ Adamsville
142 S. Maple Street • Adamsville
632-4701
Office Open
Mon., Tues., Wed. & Fri.
Transmitters can be wristbands, pendants, belt attachments or even appear as jewelry.
Discuss what would serve your loved one most conveniently.
•Transmitters can be wristbands, pendants, belt attachments or even appear as
jewelry. Discuss what would serve your
loved one most conveniently.
•Consider the battery life of the transmitter and if it’s waterproof.
•As for cost, users should expect to pay
an installation fee, and a monthly PERS
monitoring charge. PERS device repair
and replacement policies should also be
considered.
More information can be found at www.
LinearCorp.com. Aging-in-place technology is truly shaping the future for seniors.
Before making any major decisions, look
into all your options.
2014 Senior Living
www.courieranywhere.com Page 5
Services Include:
Primary Care
Pediatric and Adolescent Care
OB/GYN
Behavioral Health
Gastroenterology
Diabetes Care
Proudly serving Hardin and Wayne Counties since 1995
8 Locations to Serve You and Your Family
Healthcare
for every
family
and every
family
member
Adamsville
335 U.S. Highway 64
Clifton
207 Main Street
Saltillo
48073 Highway 69
Savannah
765 Florence Road
150 Guinn Street
150 East End Drive
105 Davis Street
Waynesboro
720 Highway 99
Office Hours (all locations):
8:30-5:00 • Monday-Friday
Lifespan offers a discount fee schedule to accomodate everyone who
qualifies. The portion of your medical care not covered by insurance or
another program can be discounted so you pay only a portion of these
charges based on your income and family size. Contact Lifespan staff
for more information.
We also accept:
TennCare, Medicare, CHAMPUS, Blue Cross/Blue Shield, Cigna,
Most Private Insurances, Workers Compensation and others.
For an appointment - 731.925.2300
www.lifespanhealth.com
Page 6
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2014 Senior Living
Make early retirement a reality for you
Retirement is a goal for nearly every
working adult. Long considered a time to
enjoy the fruits of a life’s worth of labors,
retirement has become something else
entirely over the last several years, when
the struggling economy has convinced
many aging workers that their opportunity
to safely retire may never present itself.
But retirement does not have to feel
like a wild goose chase with the end goal
nowhere in sight. In fact, many men and
women who develop a plan early on can
retire early, reaping the rewards of their
success at an age when many people are
still wondering if they can retire at all,
much less retire early.
•Conduct an immediate audit of your
finances. The road to early retirement
begins, quite frankly, very early. If your
retirement goal is to retire early, conduct an audit of your financial situation
as soon as possible, even if you are a
relative newcomer to the professional
sector. Examine all of your debts and
other liabilities, as well as your income
and your potential earnings. It may be
difficult to forecast potential earnings,
but paint a realistic forecast with regard
to your earning potential, and then use
that to determine your standard of living
and how much money you will need to
maintain that standard upon retirement.
This should give you an idea of how close
or how far you are from early retirement
and what you need to start doing now so
early retirement can be a reality later on.
•Don’t sell savings short. Men and
women who retire at the traditional retirement age can count on certain benefits
that early retirees aren’t eligible for. Senior
discounts can decrease the cost of living
for typical retirees, who can also access
retirement accounts like a 401(k) or an IRA
without paying a penalty. Younger retirees
are not eligible for senior discounts, and
accessing a retirement account before
a certain age can result in a substantial
penalty.
So men and women whose goal is to
retire early should not underestimate
the value of a healthy savings account.
Retiring early will require a more robust
savings account than if you were to retire
at a more typical age, so calculate how
much more you will need to save in order
to retire early. Once you have calculated
— See Retirement, page 9
Early retirement can become a reality for diligent men and women who develop a plan
and stick to that plan in the years to come.
HARDIN HOME
NURSING HOME
“Where you feel right at home”
Around The Clock Professional Nursing Care
•Individualized Semi-private and Private Rooms•Individualized Meals & Diabetic Counseling
•Psychiatric Evaluation and Counseling•Laundry Services•In-house Petitioner for VA & Government Benefits
Speech Therapy • Physical Therapy
Occupational Therapy
We offer a Variety of activities
and entertainment including:
Field Trips — sightseeing, fishing, picnics,
shopping and Special holiday events
for residents and family
Plus. . . •Home-like environment •Friendly Staff
•Resident Council•Choosing meal of the month
• Inhouse Smoking Privileges •Pet Therapy
1620 Wayne Road
925-4004
Savannah
2014 Senior Living
www.courieranywhere.com Page 7
Senior drivers should practice precaution
The number of drivers 70 and over is
predicted to triple in North America over
the next 20 years. Research indicates that
the older a person is, the higher the risk
of driver accident or fatality. The risk
posed by older drivers and the inevitable
increase in older drivers on the road over
the next two decades has sparked debate
as to whether or not such drivers should be
reexamined to ensure safety on the road?
In 2003, an 86-year-old man unintentionally killed 10 people and injured more
than 70 when he drove his car through a
crowded farmer’s market in Santa Monica,
Calif. In 2010, a 72-year-old Connecticut man faced vehicular manslaughter
charges for allegedly striking and killing
a motorcyclist. In 2012, an elderly man in
Buffalo, N.Y. caused an accident resulting
in three fatalities when he traveled in the
wrong direction on the New York State
Thruway. Very frequently the local news
is peppered with reports of elderly drivers
causing serious accidents. Some wonder
if more stringent requirements for elderly
drivers would help the situation.
Thirty-three states presently have
legislation in place to ensure drivers can
retain driving privileges once they reach
a certain age. It’s important to note that,
according to the National Safety Council, drivers over the age of 75 account
for only 3.3 percent of accidents in the
United States. Drivers age 25 to 34 account for the largest number of accidents,
at nearly 20 percent. Some argue that
these findings do not paint an accurate
picture because senior drivers spend far
less time behind the wheel and log fewer
miles than younger drivers, reducing the
chance for accidents.
Though the debate about older drivers
figures to remain a hot topic, the National
Highway Traffic Safety Administration
notes that aging can affect drivers in a
number of ways. The physical and mental
changes that accompany aging can have a
profound impact on a person’s ability to
safely operate a motor vehicle. Reaction
times may be slower, hearing and vision
loss may affect driver awareness, loss of
muscle strength and flexibility can make
steering more difficult and medication
can impair focus and/or concentration.
Many senior centers and organizations offer programs that allow elderly
drivers to brush up on their skills behind
the wheel. Drivers also can contact their
Oakhaven Village
109 Birch Street • Adamsville
1 BR - Patio Style
affordable apartments
for Qualified Applicants
62 and older
• Utilities included in rent
• Rental assistance available
Office Open Mon., Tues., Wed. & Fri.
632-4701
Many senior centers and organizations offer programs that allow elderly drivers to brush
up on their skills behind the wheel.
insurance companies to see if there are any
sponsored classes they can take to reassess their skills and possibly lower their
insurance premiums. AAA offers a Driver
— See Senior Drivers, page 9
Fun & Friendship
Join us...
Mon. & Thurs.
9:30 a.m.
Fitness Classes
Lunches served daily at 11:00 a.m.
• Domino’s • Music
• Arts • Crafts
When you want the BEST for your loved one...
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nurses like Joanne — you have a choice…choose Deaconess.
Phone: (731) 925-6626 • Toll Free: 1-800-321-9678 • www.deaconesshomecare.com
Blood Pressure
Checks and Information
Hardin County Senior Center
55 Deford Street • Savannah
731-925-2210 • Fax 731-926-3874
Page 8
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2014 Senior Living
Bodies N Motion: Never too old to start exercising
Physical fitness and exercise is a vital
for a healthy body and mind, and the
senior is no exception to this.
In Hardin County, according to a U.S.
Census Bureau estimate for 2012, there
are approximately 5,153 citizens over the
age of 65 or 19.8 percent of the county’s
26,026 residents for that year.
The percentage of senior citizens in
Hardin County is more than a third higher
than the state average of 14.2 percent.
Bodies N Motion owner Cindy Crosswhite says, “You are never too old to
start exercising and it does not matter
what size you are. Do not be intimidated
by the machines. Everyone has to start
somewhere.”
Seniors face many challenges as they
age and according to experts at National
Institute of Health (NIH), “even moderate
exercise and physical activity can improve
the health of seniors who are frail, or who
have diseases that accompany aging.”
Fear is one reason seniors are reluctant
to exercise because it may be too strenuous
or harm them. However, research from
NIH actually shows the opposite is true.
•Exercise is safe for people of all ages
groups
•Older adults hurt their health far more
by not exercising than by exercising
According to Crosswhite, “adults over
the age of 40 begin to lose muscle mass
and health issues begin to appear such as
elevated blood pressure and cholesterol.”
Beginning an exercise program slowly
is the advice of NIH, and the benefits are
improved physical and mental health.
Four types of exercise are:
•Endurance, or aerobic, activities increase your breathing and heart rate. Brisk
walking or jogging, dancing, swimming
and biking are examples.
•Strength exercises make your muscles
stronger. Lifting weights or using a resistance band can build strength.
•Balance exercises help prevent many
falls.
•Flexibility exercises stretch your muscles and can help your body stay limber
Making exercise a regular part of your
daily routine will have a positive impact
on your health and quality of life as you
get older. Experts say staying physically
active and exercising regularly can improve mood and relieve depression, and
prevent or delay some types of cancer,
heart disease and diabetes. Long-term,
Bob’s Discount Pharmacy
regular exercise can even improve health
for some older people who already have
diseases and disabilities.
Being physically active can also help
you stay strong and fit enough to keep
doing the things you like to do and stay
independent as you get older.
For example, improving endurance
can make it easier to work in the garden.
Increasing muscle strength can make it
easier to lift a grandchild or climb stairs.
Improving balance helps prevent falls, and
being more flexible can help you reach
for items on kitchen shelves.
Crosswhite advices the senior “to know
what limitations your doctor has set and
start slowly and then increase your cardio
exercise and strength training by exercising two to three times a week with three
sets of eight to 10 repetitions. Every little
bit helps you to live a longer and more
productive lifestyle.”
You May Be Eligible for a FREE Gym Membership!
555 S. Pickwick St. • Savannah
925-1152
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We specialize in Diabetic Supplies
Fast, Friendly Service
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A fun, innovative health, exercise and wellness
program helping older adults and those with limited
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time for a tour. We can check your eligibility for a
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TennCare • Medicare
• Most 3rd Part Plans Accepted
Hours: Monday - Friday 9am - 6:30pm
Saturday 9am - 2:30pm
24/7 FITNESS CENTER
1345 Wayne Road • 926-1931 • Savannah
We also have
personal training!
Jeff & Cindy Crosswhite
Owners
2014 Senior Living
www.courieranywhere.com Aging athletes
Continued from page 3
aging athletes alike.
•Don’t stop strength training. Some
aging athletes mistakenly feel they should
stop strength training as they get older.
No longer concerned about building
muscle, aging athletes might feel as if they
have nothing to gain by lifting weights
and continuing to perform other muscle
strengthening exercises. But the body
gradually loses muscle mass as it ages,
and that loss puts the joints under greater
Senior drivers
Continued from page 7
Improvement course and suggests
seniors find a car they can safely and
comfortably operate. AAA also offers
Roadwise Rx, a free online tool that
provides confidential, individualized
feedback about medication side effects
Retirement
Continued from page 6
that figure, ask yourself if it’s realistic that
you can save that money and what effect
this increased emphasis on savings may
have on your quality of life between now
and the day you’ve targeted for early retirement? If you cannot realistically save
enough money or if you have to sacrifice
too much to make early retirement happen, then you might want to reconsider
this goal.
•Accept sacrifices. Making sacrifices
with an end goal of early retirement may
be easier for younger men and women
who have yet to grow accustomed to a
certain standard of living. Those who
hope to retire early will need to accept that
they will have to make certain sacrifices
to achieve their goals. These sacrifices can
be considerable, such as downgrading to
a smaller home, or relatively minor, such
stress when aging athletes perform other
exercises. That stress can put people at
greater risk for arthritis, tendinitis and
ligament sprains. While you no longer
need to max out on the bench press or
challenge yourself on the biceps curl, it
is important to continue to make strength
training a part of your fitness regimen as
you age.
Aging athletes need not associate aging with ceasing their athletic pursuits.
But recognizing your limitations and the
changes your body is going through is an
important element of staying healthy as
your approach older adulthood.
and how these drugs may impact drivers
on the road. AARP also offers a Driver
Safety course.
It also is important that senior drivers
and their families familiarize themselves
with local legislation to determine if driver
refresher courses or retesting are necessary for older drivers to remain behind
the wheel.
as cancelling a cable television subscription, but for the average worker they will
be necessary to make early retirement
happen. The earlier you can make these
sacrifices the easier they will be, as it won’t
be as hard to sacrifice something you’re
not used to having.
•Periodically reassess how it’s going.
The road to early retirement will have its
peaks and valleys, so periodically reassess
how your plan is going and if you need to
alter the plan in any way to make early
retirement a reality. This reassessment
should be conducted annually, and you
must be completely honest with yourself.
If the plan is going off course, determine
the cause and if there’s anything you can
do to catch up or if you need to change
your targeted retirement date.
Early retirement is a goal for many
people. And despite the uneasiness many
people feel with regard to retirement,
early retirement can become a reality and
a plan to stick to in the years to come.
Make Yourself feel Better!
Plant a Garden...
• Gives Confidence
• Lifts Mood
• Improves your Emotional Well Being
Bulk Garden Seed
Onion Sets • Seed Potatoes
Fertilizer • Tillers & Planters
Hardin’s Farm & Tractor Supply
1409 Florence Rd.
925-8666
Savannah
Page 9
Page 10
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2014 Senior Living
Keeping marriage going strong into your golden years
The trend of long-married couples
calling it quits has been growing. How-
ever, there are some steps couples can take
to keep their relationships going strong.
According to the AARP, divorces
among people over the age of 50 have
doubled since 1990. According to Susan
Brown, codirector of the National Center for Family & Marriage Research at
Bowling Green State University, one out
of three Boomers will face their golden
years unmarried.
There are a number of reasons why
divorce rates have skyrocketed among
the over-50 set. Understanding just why
these divorces are taking place and taking proactive steps to alleviate some of
the divorce triggers can be a recipe for a
happy marriage that continues throughout
a couple’s golden years.
•Increase accountability. Ours is a transient society where families no longer bat
an eyelash over moving great distances
away from other family members. As a
result, Boomers may feel like they are
not connected to children or grandchildren. With this in mind, they may feel
less attached to their marriage or their
responsibilities or believe that no one will
get hurt by a divorce. Keeping families
close and remaining in frequent contact
can increase accountability and reduce
the propensity for divorce.
•Get things out in the open. A major
reason for a failed marriage is years of
avoiding significant issues rather than addressing problems. Couples should make
time to talk to each other about anything
that might be bothering them rather than
letting too many things slide. If these
conversations turn into shouting matches,
there is always the option of bringing in a
third party to serve as a mediator.
•Spend time apart. After retirement,
couples may find themselves spending
hours upon hours in each other’s company.
While togetherness can be beneficial, too
much time spent together may lead to
feelings of suffocation and the perception
that each member of the relationship is no
longer his or her own person. Individuals
can remedy this by doing more things on
their own, whether spending time apart
with friends or engaging in hobby time
without your spouse. After all, absence
makes the heart grow fonder. Brief pe— See Strong Marriage, page 11
Going on dates is a great way for older married couples to create excitement and
romance.
PARK REST HARDIN COUNTY HEALTH CENTER
“Where everyone feels like family”
•Excellent 24 Hour Nursing Care
•Physical, Speech & Occupational Therapy
•Psychiatric Evaluation and Counseling
•Individualized Meals & Diabetic Counseling
•Laundry Services
•In-house Petitioner for VA & Government Benefits
•Individualized Semi-private and private rooms
Our residents enjoy:
Certified Activity Director
& PACE Exercise Instructor
Alzheimer’s Support Group
•Home-like Environment•Choosing meal of the month•Field Trips—sightseeing, fishing
•Friendly Staff•Variety of daily activities•Inhouse Smoking Privileges and entertainment
•Picnics, shopping, etc.•Pet Therapy•Resident Council•Special Holiday Events
PARK REST HARDIN COUNTY HEALTH CENTER
85 Shelby Drive • Savannah
925-1181
2014 Senior Living
www.courieranywhere.com Page 11
Strong marriage
Continued from page 10
riods of separation can make the time
married couples do spend together feel
more meaningful.
•Recommit to your vows. After 30 or
more years, the vows you shared on your
wedding may be a distant memory. Some
people may have different views on the
permanence of vows, putting personal
happiness ahead of the happiness of the
couple. Take stock of what you promised
one another on your wedding day and
stick to those words.
•Become a comedian. Laughter has
a way of dissolving a tenuous situation.
Focus energy on laughing at mistakes
instead of pointing blame. Couples can
make fun of themselves and resolve to
not take things too seriously.
•Act like you’re dating. Couples often
become complacent after many years of
marriage. They may forget about the little
details that made the relationship fun in
the early years. The personal notes and
cards and other surprises may fall by the
wayside after being together for some
time. Make an effort to go on dates, write
love notes and think of what was appreciated by your partners when you were in
Prearrangement
1. Unfortunately, no one knows what
will happen in the future. Many
people refuse to talk or even think
about death, but eventually it is
something that will happen to us all.
the dating stage.
•Practice selflessness. Sometimes all
that is needed to rekindle a relationship
is a selfless act that shows how much you
care for your partner.
Couples who are on the fence with
regard to divorce can make an effort
to improve the relationship rather than
simply see divorce as the best option.
NOW TAKING APPLICATIONS
Oak Hill Apartments
65 Oak
Hill
Savannah
65 Oak
Hill Drive,
Drive, Savannah
Phone
Phone 731-925-1520
731-925-1520
Monday
- Friday:
Noon - -3:00
p.m.
Monday
- Friday:
3:00
p.m.
Mon.-Fri.
8:00 Noon
a.m.-4:30
p.m.
Applications taken at Hunter Hills Apartments • 20 Hunter Hills Drive • Savannah
•To Qualify - Must Be:
To Qualify - Must Be: • 62 years of age or older
•62 years of age or older
• handicapped/disabled (regardless of age)
•handicapped/disabled
(regardless
of age)
This
institution is an equal opportunity
provider & employer
HOMES • BUSINESSES • WINDOWS • CARPETS • FLOORS
• SMOKE & FIRE DAMAGE • AFFORDABLE
FREE ESTIMATES • BONDED • LICENSED
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cleaning needs when you can call Cindy!
Senior Citizens
Get a 10% Discount
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Cindy’s Janitorial Services
Call
925-6298
Commercial - Residential
27 years experience
2. Many people are taken by surprise,
both emotionally and financially;
lack of savings and insurance often
leaves family members to not only
deal with the loss, but also funeral
expenses.
3. Prearranging gives you some control
over funeral-related decisions-casket,
vault, clothes, music. You will
have your choices written down,
so your family will know your
exact wishes during a time when
thinking or remembering may be
difficult.
Shackelford Funeral
Directors
of Savannah, Inc.
925-4000
Page 12
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2014 Senior Living
Financial considerations for those nearing retirement
Retirement can simultaneously excite
and distress men and women as they
approach the day when they end their
careers. Anticipating the freedom can
be exciting, while concerns about maintaining financial independence can be
stressful.
Though there are no guarantees that
men and women who prioritize retirement
planning will not outlive their finances,
those who do arrange their priorities
in such a manner are far more likely to
enjoy a comfortable retirement without
worrying about their finances. As men and
women approach retirement age, certain
steps with regard to preparing for retirement can put them in position to enjoy
their golden years to the fullest.
•Assess your resources. An honest
assessment of your assets will help you
determine a retirement lifestyle you can
afford. Assets can include any property
you own, investments, savings, and retirement accounts. Your property may be your
biggest financial asset, but unless you plan
to sell that property or take out a reverse
mortgage, then you won’t be able to rely
on that property to fund your lifestyle.
When assessing resources, keep in mind
that you might have to pay potentially
steep taxes when attempting to access
any retirement accounts, such as a 401(k).
Factor in any such taxes when assessing
your retirement resources.
•Make a list of your monthly expenses.
Once you have assessed your resources,
make a list of your monthly bills. Mortgage payments, healthcare costs, taxes,
and food are among the essentials, while
additional expenses like travel and entertainment will need to be factored in
as well. When considering monthly expenses, keep in mind that some of those
expenses, including mortgage payments
and commuting costs, will likely disappear, while others, including healthcare
costs, are likely to increase significantly.
Once you have assessed your resources
and expenses, you can then begin to paint
a picture of the retirement lifestyle you
can afford to live.
•Compare the lifestyle you want to
live versus the one you can afford to live.
Considering your finances several years
before you retire affords you the opportunity to make changes if you determine the
retirement you can afford does not exactly
match up with the retirement you want to
live. After you have figured out what you
can afford, compare that lifestyle to the
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285 Main Street
925-6225
one you hope to live. If they are one and
the same, then you did a great job planning for retirement. If they are slightly or
significantly different, then look for ways
to close that gap. If necessary, consult with
a financial planner, who might be able
to help turn your dream retirement into
a reality. Closing the gap between your
dream retirement and the one you can
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afford to live may require you to work
an extra year or two, so be prepared to
make that decision if need be.
•Plan on continuing to grow your
money. Just because you’re retiring does
not mean your money has to stop working as well. You will still need to combat
inflation during your golden years, so plan
on continuing to grow your money even
after you retire. Though it’s best to reduce
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enjoying your family,
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Retirement is for
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GENWORTH LIFE INSURANCE COMPANY, Richmond, VA.
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Wayne Rd by
Long-term care insurance products1035-F
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GENWORTH LIFE INSURANCESavannah,
COMPANY,
731-925-6838
Member SIPC
This is a solicitation of insurance for policy form series 7052. Policy form
number may be followed by the state’s two letter abbreviation, for
example, 7052DE, 7052GA, 7052ID, 7052OK, 7052OR, 7052PA, 7052SC,
7052TN, 7052WA, 7052WY. In VT, 7042VT Rev 2010 and 7044VT Rev
2010. Not all policies are available in all states. Details about the costs,
benefits, limitations and exclusions will be provided to you by a licensed
INS-5233B-A-A2 06/04/12
insurance agent/producer. By responding, an insurance agent/producer
will contact you.
Member SIPC
2014 Senior Living
www.courieranywhere.com Page 13
Sharing God’s Love
One Patient At A Time.
Phone:
(931)722-9601
Toll Free:
877-749-9726
Call today to discuss your options
McKendree Oaks
Income Based
APARTMENTS
for people 62 & older
Accepting
Applications
Mon.-Fri.
731-925-8951 or write manager
1650 Florence Road • Savannah, TN 38372
CareAll
Home Care Services
24-Hour Skilled Nursing Care
• Consultant Services
• Transportation
• Nursing Care
• Therapeutic Activities and interactions
to meet each residents needs
SPECIAL SERVICES
• Hospice
• Occupational Therapy
• Physical Therapy
• Speech Therapy
• Dental • Optometry
• Podiatry • Mental Health
SPECIAL TEAMS
780 Florence Rd. • Savannah
OPEN 8 a.m.-4:30 p.m. Monday-Friday
NURSES ON CALL 24 HOURS DAILY
Caring, Experienced Nurses • Teaching • Assesment • Wound Care
IV Therapy • Coumadin Therapy Monitoring • Excellent Physical
Therapy Rehab Services in the home • Anodyne Therapy
Social Services & Home Health Aides to provide bathing and personal
care • Local staff providing quality care
925-1809 • 1-866-672-0525
www.careallinc.com
• Falls • Pain • Nutrition / Skin
Behavior & Infection Teams
For a tour or more info call: Trena Malone, Adm. Coord.
Savannah Health Care
REHABILITATION CENTER
1645 Florence Rd. • Savannah
731-926-4200 • (fax) 731-926-4205
Page 14
www.courieranywhere.com
2014 Senior Living
Travel ideas bountiful for the active senior
Those who have said goodbye to the
work-a-day grind now have many hours
to settle down and relax. People who
have continually put off vacations in lieu
of work responsibilities may now have all
the time they need to explore the world.
Traveling for seniors can be rewarding
and relaxing. Those with a substantial
retirement nest egg have numerous
destinations at their disposal. Mature vacationers travel more frequently and stay
longer than any other age group. Travel
ranks among the top leisure activities for
men and women over 50, according to
the Web site Suddenly Senior.
Seniors can find several travel advantages at their disposal. Also, thanks to
special senior discounts, travel may be
even more affordable than first expected.
While certain destinations are not
always practical for certain age brackets,
there are many places to which seniors
can visit comfortably and enjoy a wealth
of memories.
•Theme parks: Although theme parks
may seem carved out entirely for the
adventure-seekers, there are many other
more placid activities that would appeal
to those who prefer to keep their feet
firmly on the ground rather than looping through the air on a rocket-propelled
coaster. Although theme parks require a
lot of walking, many provide wheelchairs
or motorized scooters for those who need
to get off of their feet.
•Beach resorts: Provided flying is medically safe, a beachside vacation can be
the ideal trip for seniors looking for the
utmost in relaxation. For those who have
passports, the possibilities are endless.
•Cruising: Cruising is a preferred vacation choice for the 50+ set because it offers
the convenience of an all-inclusive package and transportation all in one. With the
myriad activities offered on board, cruises
are a versatile vacation option for seniors.
•Guided tours: Seniors who want to
experience a piece of history can sign up
for tour packages backed by reputable
companies. The tours may involve train
or bus travel, and various attractions will
be visited.
•RV trips: Another self-contained
vacation that is entirely up to the people
traveling is vacationing by recreational
vehicle. Seniors can customize their
routes depending on which areas they
want to see. However, should RV travel-
THE PRESCRIPTION
SHOP
FREE
PRESCRIPTION
DELIVERY
765-B Florence Rd. • Savannah
731-925-3956
ing become addictive, there always is the
option of buying a camper later on. From
beaches to national parks, many areas
offer RV hook-up areas and amenities.
•Exotic tour: Seniors who were never
able to afford or spare the time for an
extensive vacation may now want to visit
those exotic locations that have beckoned
for years. Now could be the time to book
a ticket for Europe and visit all of the cities
that have made the history books.
With a bevy of free time and fewer restrictions holding them back, seniors could
be ready for the next great travel adventure.
Retirement Preparedness Quiz
Are You Ready For Retirement?
Do You Need an Estate Plan?
• Do you have a durable power
of Attorney?
• Will my assets pass to my heirs?
Outside of probate?
• Do you have a lifetime stream of
income beside social security?
• Have you prepared a living will?
• Have you prepared for long
term care?
_yes _no
_yes _no
_yes _no
_yes _no
_yes _no
If you answered No to any of the above, we can help.
Estate Planning • Annuities • Long-term Care
Sammie Smith
Insurance
121 E. Main St. • Adamsville
731-632-0602 • 731-646-0403
2014 Senior Living
www.courieranywhere.com Page 15
SAVANNAH
HARDIN COUNTY
COURIER
375 Main Street • Savannah, Tennessee 38372
Dial 925-NEWS
We’re all about Hardin County • www.courieranywhere.com
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Anthony L Milligan, FICF
Name, Designation
Title
Name,
Designation
Area Manager
Address
Title
1460 Pickwick St
City,
Address State, ZIP
000-000-0000
Savannah,TN 38372
City,
State, ZIP
731-925-3456
000-000-0000
984-C Wayne Road • Savannah
925-8384
CD1006WOW 11/12
PEOPLES BANK VItoP Club
2014 Calender of Trips
Traveling the USA since 1997
March 1
Exhilarating new Broadway production of the
popular movie, Ghost, a musical with mindbending illusions unlike any theatrical experience
you have seen before. Tour & Box lunch included
at Traveller’s Rest, historical tavern, before
performance at Tennessee Performing Arts Center.
May 21-30 Inland Alaska -
join us as we experience the “final frontier”
Watch for wildlife in Denali National Park Cruise
the Kenai Fjords past magnificent glaciers. Dome-car train ride, river float, dogsled ride are all
included as are professional guides, transportation (air & motor coach), most meals, lodging,
all taxes & gratuities, Peoples Bank escorts, and trip cancellation/interruption insurance. Final
payment is 2/13/2014.
July 1-18 Montana Big Sky Adventure plus Glacier National Park
Sept 21-27 Washington State and San Juan Islands
Nov 30 - Dec 3 Christmas time @ the White Mountain Hotel, NH
Trips depart from Savannah Wal-Mart
You do not have to bank with People Bank to travel on these tours.
Try us on for size.
PEOPLES BANK
At our place, small is beautiful. Everything’s in
easy reach. Everybody knows each other. And,
just like a quilt, every resident can add their own
personal touch to make it even more like home.
Stop by for a visit. You’ll love the t.
P.O. Box 8 • Clifton, TN 38425
assisted living by Americare
Call Catherine for brochures & more details at 931-676-3311 or
Toll Free 877-656-3311 or email cross@pbbanking.com
Riverwick
1545 Florence Road in Savannah
americareusa.net | 731-926-4044
Page 16
www.courieranywhere.com
2014 Senior Living