This section is dedicated to providing seniors, family members, and caregivers with news, tips, articles, and information pertaining to everyday living, housing, and other relevant issues that affect today's Seniors.  With all the options currently out there and the changing markets, choosing the best option can be difficult.  With valuable information provided here, we can help take the confusion out of the housing equation!

A Practical Guide to Downsizing for Seniors

Equifax Security Breach and Myths of Identity Theft

Extra Help For Medicare Part D Costs

New FHA Reverse Mortgage Program Gives More Flexibility To Senior Homestead

The Importance of Multimodal Therapy
Tools for Treating Chronic Pain
by Cody Foster, MD

Treating Chronic Back Pain Without Opiods
By Twin Cities Pain Clinic

Bridging the Technology Gap
in an Aging World

By Deb Taylor, Chief Executive Officer at Senior Community Services
 

How soon can I sell the house after
a loved one has passed?

On Behalf of rb LEGAL, LLC | Estate Planning - Probate
 

What Foods to Eat For Chronic Pain
by Twin Cities Pain Clinic

Landmark Lakewood Cemetery
Celebrates 150 Years

One of the Most Storied and Extraordinary Urban Cemeteries in America Looks Back – and Ahead – As It Celebrates a Major Milestone in 2021

Lakewood Cemetery, located in Uptown Minneapolis, is celebrating 150 years this year as a local treasure, industry pioneer and resting place for thousands of remarkable individuals and families. From its founding by a few visionary leaders in 1871 to its expansive public programming today, Lakewood has always been a place where people come together to celebrate, honor, mourn, reflect and remember what’s sacred in life.

Throughout 2021, the nonprofit cemetery will be celebrating its 150th year by encouraging people from all walks of life to take part in a full calendar of experiences and activities that showcase Lakewood’s proud history and bold vision to reimagine the role of a cemetery in modern life. There will be opportunities to explore Lakewood’s 250 acres of urban memorial parkland, to share stories and memories of Lakewood, to learn more about Lakewood’s history, art and gardens, and to discover ways to bring more creativity and meaning to memorialization.

Lakewood’s story began with several New England-born leaders who came to Minnesota in the late 1800s and helped build the city of Minneapolis. Progressive and enlightened, they envisioned Lakewood as a place for all individuals and families to be memorialized in a peaceful and beautiful setting. Over time, Lakewood has become a keeper of some of this city’s treasures — its historical figures and events, art and architecture, park-like landscape, and people from many cultures and walks of life.

“Lakewood is a haven in the heart of Minneapolis and an integral part of the Twin Cities community,” says Lakewood’s president, Chris Makowske. “For our 150th anniversary, we’re opening our doors and inviting the entire community to get to know us better. If you haven’t seen our historic mosaic Chapel, participated in one of our seasonal celebrations, or taken a walking tour of Lakewood, this is the year to do it,” Makowske adds. “We’re offering our most robust year of community programming ever to encourage people to connect or re-connect with this very special place.”

“Not only are we celebrating the past, but we are also looking ahead to the next 150 years,” Makowske continues. “The world of death, dying and remembrance is changing. People today are looking for more personal and meaningful ways to honor and remember, both at the time of death and in the years that follow. Because as many of us know, we never forget those we’ve lost.”

“As we move forward, Lakewood intends to continue to inspire individuals and families to discover what’s meaningful for them when it comes to memorialization, whether it’s planting a tree in memory of a loved one, inscribing a name in stone, joining others in a grief meditation or tying a ribbon to our Living Memory Tree, we intend to bring more offerings forward that encourage personal and collective remembrance so that memorialization becomes more inviting, accessible and relevant for people’s lives today,” says Makowske.

Events and Activities this Year

Visitors can learn about the virtual and seasonal activities taking place this year at lakewoodcemetery.org/150. All activities are open to the public and will follow the latest Covid-19 mandates and guidelines. More experiences and events will be added as the year goes on.

STORY COLLECTING

Lakewood is collecting memories from everyone who has a personal connection to this storied place. This includes stories from people who have loved ones memorialized at Lakewood, people who grew up or have lived nearby, and people who have a love of a history, gardens, art or cemeteries. Whatever your interest or connection, Lakewood would love to hear about it. Visit lakewoodcemetery.org/150 or follow us on Facebook and Instagram. #lakewood150 #mylakewoodstory

SEASONAL CELEBRATIONS

Lakewood offers a series of memorable outdoor events tied to each season that have become an annual tradition for many families and the community. Seasonal events are open to the public and include celebrations of Earth Day, Mother’s Day, Memorial Day, Father’s Day, Midsummer Memory Mandalas, Lantern Lighting and Fall Colors.

EXPLORE LAKEWOOD SERIES

Visitors can discover the natural and historic treasures of this unique urban sanctuary through a wide array of tours, walks and activities focused on interests such as art & architecture, bird watching, photography, sketching and more. These events and experiences are carefully curated to allow guests to view Lakewood through a new lens.

THE LAKEWOOD EXPERIENCE SERIES

The Lakewood Experience Series offers immersive experiences created to expand understanding and bring new depth and meaning to subjects like grief, healing and remembrance through personal reflection and creative expression. Some of the experiences in this series include grief meditations, legacy writing workshops, journaling, mandala-making, art therapy, and Lakewood’s Living Memory Tree, a tree of colorful ribbons dedicated by community members to those they love and have lost.

LEARN @ LAKEWOOD SERIES

Sparking conversations on topics related to death, dying and memorialization, Learn @ Lakewood workshops and seminars explore diverse perspectives from experts and professionals in their field. Topics range from Death Café discussions to end-of-life planning and diverse memorialization traditions and practices.

Visit lakewoodcemetery.org/150 to learn more or follow us on Facebook and Instagram to swap stories, see upcoming events, learn about Lakewood’s history, and join in the celebration. #lakewood150 #mylakewoodstory

About Lakewood — A Place to Remember -

Lakewood is a serene haven in the heart of Minneapolis’s renowned Chain of Lakes—a place to come together to honor, remember and reflect. Since 1871, Lakewood’s 250 acres of urban memorial parkland have served as a community gathering place and a chronicle of our region’s traditions, cultures and people. A history keeper and a thought leader, Lakewood honors its roots as a landmark cemetery while reimaging its role in modern life, through thoughtfully designed events, experiences and spaces.

Today, Lakewood is making memorialization more relevant, accessible and inviting for new audiences and generations—with more creativity and choices. As a nonprofit organization governed by a board of trustees, Lakewood is committed to preserving and enhancing our grounds and architectural treasures, and we use proceeds generated from activities and events for that purpose.

Visitors can learn about the virtual and seasonal activities taking place this year at lakewoodcemetery.org/150. All activities are open to the public and will follow the latest Covid-19 mandates and guidelines. More experiences and events will be added as the year goes on.

Four Reasons to Let Junk360
Haul Away Your Junk!

A veteran-founded and family-owned business, Junk 360 is a reputable and reliable junk removal organization. From construction debris to home clutter to real estate cleanout, Junk360 is your source for clearing away unwanted waste.

Here are four reasons to choose Junk360 for your junk removal needs.

1. Our Customers Come First 

• At Junk360, we specialize in:

• Commercial Cleanups 

• Real Estate Cleanouts 

• Home Junk Removal

• Construction Waste Disposal

However, no matter who are clients are, our customers always come first. Junk360 provides five-star customer service 100% of the time. Need a night removal? Junk360 is there! Multi-day project? Junk360 is there! Helping your elderly relatives downsize? Junk360 is there!

From the moment our clients contact us, they, their belongings, and their property are treated as our number one priority. 

But don’t take our word for it! Check out the five-star reviews Junk360 consistently earns.

2. Reuse, Recycle, and Repurpose 

At Junk360, we don’t just bring items to the dump. First we:

• Sort items to see what can be donated or recycled

• Bring donations to the proper facilities

• Recycle all materials that qualify 

We’ll sort through all your items to make sure they end up in the right place - whether that be a local charity or an e-waste recycling center. So, when you use Junk360, you are doing your part to create a more sustainable community! 

All of this is done with every truck load, at no extra cost to the customer.

3. Upfront Pricing

Our pricing is simple and easy for the customer to understand. Unlike other junk removal companies that set their prices based on weight or by the hour, we charge by the amount of truck spaced used. For example:

• A load of ⅛ of truck space, equal to about 1 couch and a small cabinet, runs $134. 

• Hauling away junk that takes up ½ of truck space, about 9 cubic yards and the equivalent of 4 couches and a stove, costs $399.

• A full load, which is the entire 18 cubic yards of our truck, is $579. This space can hold about 9 couches and 1 stove. 

At Junk360, we believe in fair and transparent pricing. Before you contract our services, we always provide a free estimate with no obligations attached. 

Our estimates include the cost of the sorting process, loading, all fees (recycling, dumping, ect), and clean up. To see our complete pricing breakdown, view our pricing chart.

4. Support a Local Business

Junk360 is a locally owned, operated, and staffed business! We care about and are invested in the well-being of our community and its future.

While it isn’t always easy to or most convenient option to support an independent business rather than a large national chain, there are also notable benefits that come from supporting businesses in your local community. For example:

• We utilize other local businesses such as banks, charities, mechanics, and waste disposal facilities.

• We are accountable to our community!

• As an eco-friendly business, we have a smaller carbon footprint than larger companies.

So the next time you have some junk you need hauled away, think local! Experience the great service Junk360 offers while helping to build a strong and successful community around you.

Contact Junk360 Today

Want a junk removal service that stands above the rest? Contact Junk360 today! We’ll provide you with a free estimate using our transparent pricing chart, and schedule a time to provide our services that fits with your schedule.

Call us today at (651) 395-8659. We’re ready to make you our next five-star review!

READ MORE ARTICLES FROM JUNK360 HERE

CORONAVIRUS (Covid_19) 2020

Reduce your risk of getting COVID-19

It is especially important for people at increased risk of severe illness from COVID-19, and those who live with them, to protect themselves from getting COVID-19.

The best way to protect yourself and to help reduce the spread of the virus that causes COVID-19 is to:

• Limit your interactions with other people as much as possible.
• Take precautions to prevent getting COVID-19 when you do interact with others.

If you start feeling sick and think you may have COVID-19, get in touch with your healthcare provider within 24 hours

Venturing out into a public setting? What to consider before you go.

As communities and businesses across the United States are opening, you may be thinking about resuming some activities,running errands, and attending events and gatherings. There is no way to ensure you have zero risk of infection, so it is important to understand the risks and know how to be as safe as possible.

People at increased risk of severe illness from COVID-19, and those who live with them, should consider their level of risk before deciding to go out and ensure they are taking steps to protect themselves. Consider avoiding activities where taking protective measures may be difficult, such as activities where social distancing can’t be maintained. Everyone should take steps to prevent getting and spreading COVID-19 to protect themselves, their communities, and people who are at increased risk of severe illness.

In general, the more people you interact with, the more closely you interact with them, and the longer that interaction, the higher your risk of getting and spreading COVID-19.

• If you decide to engage in public activities, continue to protect yourself by practicing everyday preventive actions.

• Keep these items on hand and use them when venturing out: a mask cloth, tissues, and a hand sanitizer with at least 60% alcohol, if possible.

• If possible, avoid others who are not wearing masks or ask others around you to wear masks.

Are you considering in-person visits with family and friends? Here are some things to consider to help make your visit as safe as possible:

When to delay or cancel a visit

• Delay or cancel a visit if you or your visitors have symptoms of COVID-19 or have been exposed to someone with COVID-19 in the last 14 days.

• Anyone who has had close contact with a person with COVID-19 should stay home and monitor for symptoms.

In general, the more people you interact with, the more closely you interact with them, and the longer that interaction, the higher the risk of COVID-19 spread. So, think about:

• How many people will you interact with?

• Can you keep 6 feet of space between you and others?

• Will you be outdoors or indoors?

• What’s the length of time that you will be interacting with people?

Encourage social distancing during your visit

• Visit with your friends and family outdoors, when possible. If this is not feasible, make sure the room or space is well-ventilated (for example, open windows or doors) and large enough to accommodate social distancing.

• Arrange tables and chairs to allow for social distancing. People from the same household can be in groups together and don’t need to be 6 feet apart from each other.

• Consider activities where social distancing can be maintained, like sidewalk chalk art or yard games.

• Try to avoid close contact with your visitors. For example, don’t shake hands, elbow bump, or hug. Instead wave and verbally greet them.

• If possible, avoid others who are not wearing masks or ask others around you to wear masks.

• Consider keeping a list of people you visited or who visited you and when the visit occurred. This will help with contact tracing if someone becomes sick.

Wear masks

• Masks should be worn over the nose and mouth. Masks are especially important when it is difficult to stay at least 6 feet apart from others or when people are indoors to help protect each other.

• Masks may slow the spread of the virus and help people who may have the virus and do not know it from transmitting it to others

  • Wearing a mask helps protects others in case you’re infected, while others wear one to protect you should they be infected.

• Who should NOT use masks: Children under age 2 or anyone who has trouble breathing, is unconscious, or is incapacitated or otherwise unable to remove the mask without assistance.

Wash hands often

• Everyone should wash their hands for at least 20 seconds at the beginning and end of the visit and whenever you think your hands may have become contaminated.

• If soap and water are not readily available, such as with outdoor visits or activities, use a hand sanitizer that contains at least 60% alcohol. Cover all surfaces of your hands and rub them together until they feel dry.

• Remind guests to wash or sanitize their hands before serving or eating food.

• Use single-use hand towels or paper towels for drying hands so visitors do not share towels. Have a no-touch trash can available for guests to use.

Limit contact with commonly touched surfaces or shared items

• Encourage your visitors to bring their own food and drinks.

• Clean and disinfect commonly touched surfaces and any shared items between use.

• If you choose to use any shared items that are reusable (e.g., seating covers, tablecloths, linen napkins), wash, clean, and sanitize them after the event.

If you are thinking about participating in an event or gathering:

If you are at increased risk for severe illness, consider avoiding high-risk gatherings. The risk of COVID-19 spreading at events and gatherings increases as follows:

Lowest risk: Virtual-only activities, events, and gatherings.

More risk: Smaller outdoor and in-person gatherings in which individuals from different households remain spaced at least 6 feet apart, wear masks, do not share objects, and come from the same local area (e.g., community, town, city, or county).

Higher risk: Medium-sized in-person gatherings that are adapted to allow individuals to remain spaced at least 6 feet apart and with attendees coming from outside the local area.

Highest risk: Large in-person gatherings where it is difficult for individuals to remain spaced at least 6 feet apart and attendees travel from outside the local area.

Stay healthy during the COVID-19 pandemic.

Staying healthy during the pandemic is important. Talk to your healthcare provider about whether your vaccinations and other preventive services are up to date to help prevent you from becoming ill with other diseases.

• It is particularly important for those at increased risk of severe illness, including older adults, to receive recommended vaccinations against influenza and pneumococcal disease.

• Remember the importance of staying physically active and practicing healthy habits to cope with stress.

 If you have an underlying medical condition, you should continue to follow your treatment plan:

• Continue your medicines and do not change your treatment plan without talking to your healthcare provider.

• Have at least a 30-day supply of prescription and non-prescription medicines. Talk to a healthcare provider, insurer, and pharmacist about getting an extra supply (i.e., more than 30 days) of prescription medicines, if possible, to reduce your trips to the pharmacy.

• Do not delay getting emergency care for your underlying medical condition because of COVID-19. Emergency departments have contingency infection prevention plans to protect you from getting COVID-19 if you need care.

• Call your healthcare provider if you have any concerns about your underlying medical conditions or if you get sick and think that you may have COVID-19. If you need emergency help, call 911 right away.

• If you don’t have a healthcare provider, contact your nearest community health centerexternal icon or health department.

READ FULL ARTICLE HERE

CORONAVIRUS (Covid_19) 2020

Stay Home MN

New Outpatient Clinic at
Camilia Rose Care Center

Article by Camilia Rose Care Center

As temperatures drop, CenterPoint Energy offers tips to save energy and stay safe

Article by CenterPoint Energy

As temperatures drop to deep-freeze levels, CenterPoint Energy reminds its Minnesota natural gas customers of some important energy efficiency and safety tips to stay safe and warm at home in the cold weather. 

Energy-Saving Tips

Make sure your heating system is operating safely and efficiently with an annual tune-up by a qualified technician. Check your furnace filter monthly and clean or change it as needed.

Set your thermostat setting to 68 degrees when you’re at home and awake. Lower it at night or when you’re away. Every one degree reduction in the setting can save 3-5 percent on your heating bills.

Use a smart programmable thermostat to match your household’s schedule by automatically lowering the heating temperature at night or while you’re away from home.

Close fireplace dampers when not in use so you don’t lose heat.

Keep curtains and blinds open during the day to allow the sun's heat to warm your house. Close curtains and blinds at night so you don’t lose heat when the sun goes down.

Get more information about energy-saving tips and energy efficiency incentives and programs by visiting CenterPointEnergy.com/SaveEnergy.

Safety Tips

Fuel-burning appliances in the home have the potential to produce carbon monoxide (CO), a poisonous gas that is colorless, odorless, tasteless and non-irritating. CO can build up to life-threatening concentrations indoors if fuel-burning devices are not properly vented, operated or maintained. CenterPoint Energy offers these safety tips to prevent CO buildup:

Properly vent and maintain fuel-burning appliances. They should be checked by a qualified technician every year to detect potential problems.

Clear obstructions such as snow and ice from vents, fresh-air intakes and chimneys.

Never use an appliance inside that is intended only for outdoor use, such as barbecue grills, camp stoves or portable generators.

Install CO alarms. Minnesota law requires that every home have at least one operational CO alarm within 10 feet of every room used for sleeping. Follow the manufacturer’s instructions for placement of your alarms, and keep track of the suggested replacement date.

Know the signs of CO poisoning. Early symptoms such as headache and fatigue are similar to the flu, but without a fever. Continued CO exposure can lead to more severe headaches, dizziness, nausea, difficulty thinking clearly and fainting. If everyone in a household is experiencing symptoms, it may be CO poisoning. Get fresh air immediately and call 911.

Get more information about natural gas safety at CenterPointEnergy.com/Safety.

Is CBD Right for Seniors?

Article by Canviva

Who wants to slow down as they get older? “Not me!” you might be saying to yourself.

As you grow older, your body starts to change. You’re likely to notice a few more grey hairs or wrinkles. If you’re fortunate, you will live a long healthy life. Even better, you will remain healthy and active. But aging affects your cardiovascular system, digestive system, joints and muscles, and even your cognitive skills, amongst others.

So what can you do to take better care of yourself or someone you love? A lot, and CBD might be part of the answer!

The Aches And Pains Of Growing Old

CANVIVA co-founder, Dave Rye, was a skeptic before being convinced that CBD products could improve the quality of his life. “Since taking CANVIVA products, I have stopped taking ibuprofen before and after golfing.” Like Dave, many other individuals are turning to CBD (cannabidiol).

Did you know that there are over 46 million people 65 years or older. And, according to the Center for Disease Control and Prevention (CDC), 49.6% suffer from arthritis. In addition, Mental Health America reports that 27% of seniors suffer from severe anxiety, which impacts their ability to function. It’s no wonder CBD (cannabid oil) use is on the rise, especially with Boomers (those born between 1946 and 1964).

According to a survey by Consumer Reports (CR), more than a quarter of people in the U.S. say they’ve tried CBD. One out of seven (7) of those people said they use it every day. And, 15% of people 60 and older have tried CBD.

You can learn more about your endocannabinoid system and how CBD may help keep your body in balance here.

What Can You Do To Stay Healthy?

Here are 10 tips for seniors!

1. Stay active. Walk, bike, do something you like—just make sure to get regular exercise!

2. Eat healthy. Eat nutrient-dense foods such as fruits, vegetables, and whole-grain foods. Avoid overly sweet, salty, and processed foods. And don’t forget to follow your doctor’s advice regarding any dietary restrictions.

3. Sustain your brain. Take a class, learn a new skill. Never stop learning! Studies suggest that stimulating your brain slows cognitive decline.

4. Stay connected. Call or visit someone you love. Get together with a friend. Even better, go for a walk with them.

5. Get a good night’s sleep. Older adults need 7-10 hours of sleep per night. Make sure you turn off the TV and your phone. Stay away from alcohol and caffeine late in the day. And, keep your bedroom cool, dark, and noise-free. (Psst, we also recommend CANVIVA REST CBD Oil.)

6. Reduce stress. (Read our blog to learn more about how stress effects your body and what you can do to help manage it. 

7. Practice prevention. Stop smoking. Lose weight. Make sure your vaccinations are up to date—this includes a yearly flu shot. Get your vision and hearing checked in addition to regular wellness check-ups.

8. Be your own health advocate. When you do see your doctor, bring a list of your current prescription and non-prescription medications, including herbal supplements, bring a list of your health concerns; and, ask questions if you have them.

9. Look on the bright side. Staying positive is good for your health.

10. Try a CBD product like CANVIVA. Many older adults start with topicals, like roll-ons or balms. Another popular form of CBD is tinctures. Both methods are easy to use and easy to incorporate into your wellness regimen.

CANVIVA
www.CANVIVA.com
952-999-4282
info@CANVIVA.com

Tips to Help Prevent and Treat Hearing Loss During May’s Better Hearing & Speech Month
By Sam Ho, M.D. chief medical officer, UnitedHealthcare

5/31/18

Hearing loss is a significant health issue in Minnesota and across the country, affecting more than 48 million people nationwide. It could become even more widespread in the coming years: more than 1.1 billion young adults worldwide at risk of developing hearing loss, according to a study by the World Health Organization.

Spurring the increased risk is more frequent exposure to loud sounds that can cause noise-induced hearing loss, including the growing popularity of earbud headphones. Hearing loss is especially common among older Americans, but younger people can also be affected. About 20 percent of people over age 12 experience some level of hearing loss. 

May is Better Hearing & Speech Month, a reminder for people to check their hearing health – and that of their loved ones – to help prevent the condition or, if necessary, obtain treatment. Research shows hearing loss is associated with social isolation, dementia, depression and increased risk of falls, reinforcing the fact that hearing health is crucial to overall health.

To help encourage better hearing health, consider these tips: 

·       Limit exposure to loud noises: People should limit their exposure to loud sounds, such as music, lawn mowers or motorcycles, to no more than 20 minutes at a time. Most Americans (82 percent) know that exposure to loud sounds can cause hearing loss, but just 41 percent correctly recognized that both one-time exposure to a loud sound and cumulative exposure to moderately loud sounds can harm hearing health, according to a recent UnitedHealthcare survey.

·         Opt for noise-cancelling headphones: Over-the-ear headphones, especially models with noise-cancelling properties, are generally considered a better option than earbuds. When using earbuds, follow the “60/60 rule,” which means listening for no more than 60 minutes at a time and at no more than 60 percent of the player’s maximum volume. If someone else can hear your music while you’re using earbuds, it’s an indication of excessive volume.

·       Talk to a health professional and schedule a hearing test: Common signs of hearing loss include turning up the volume on the TV or radio to levels that others find too loud, having trouble hearing people on the phone, and difficulty following conversations in noisy environments. Some primary care physicians are starting to offer hearing testing, making it more convenient to follow recommended guidelines, which includes being screened at least every decade through age 50 and then at three-year intervals thereafter.
Click Here for a list of Hearing Centers/Clinics throughout Minnesota. 

·        Explore ways to save on hearing aids: Hearing aids can be expensive, but more affordable options are available. Direct-to-consumer hearing aids can enable people to save 60 percent or more compared to devices sold through traditional channels. And a growing number of health plans are offering coverage for hearing aids, including through some Medicare Advantage and employer-sponsored benefit plans.

·        Use effective communication strategies – Hearing aids are more helpful when people use effective communication strategies, such as watching lip movements and facial expressions, and selecting settings that are “hearing friendly.” For example, people with hearing loss should opt for restaurants that are relatively quiet and go at times that are less busy. Another strategy is to select a table along a wall or in a corner, which will reduce background noise.

With hearing loss on the rise, now is the time for prevention and treatment.  By following the above tips, people can help maintain their hearing health and help those with hearing loss live fuller, healthier lives. 

Click Here for a list of Hearing Centers/Clinics throughout Minnesota. 

Medicare's "Extra Help" Program
Article by Becky Cole of Cole Insurance
Connecting Resources Together

4/16/18

Medicare’s “Extra Help” program helps people with limited income pay for their prescription medications

Making ends meet should not mean going without your medications. If you have limited income and resources, you may qualify for Extra Help to pay for some health care and prescription drug costs. Drug costs in 2018 for most people who qualify for Extra Help will be no more than $3.35 for each generic drug and $8.35 for each other drug. The Centers for Medicare & Medicaid Services estimates that more than 2 million people with Medicare may be eligible for Extra Help but aren’t currently enrolled to take advantage of this program. The law establishes how your income and assets are counted: 

•  Life insurance policies don’t count as resources.

•  Any help you get from relatives, friends, and others to pay for household expenses—like food, mortgage, rent, heating fuel or gas, electricity, water, and property taxes—doesn’t count as income.

Many People Qualify and Don’t Know It

Even if you were previously turned down for Extra Help due to income or resource levels, you can reapply. If you qualify, you’ll get help paying for Medicare prescription drug coverage premiums, copayments, and deductibles. To qualify, you must make less than $18,090 a year (or $24,360 for married couples). Even if your annual income is higher, you may still qualify for some extra help. Your resources must also be limited to $13,820 (or $27,600 for married couples). Resources include bank accounts, stocks, and bonds, but not your house or car. 

Dual eligibility

Some people who are eligible for both Medicare and Medicaid are called “dual eligibles.” If you have Medicare and full Medicaid coverage, most of your health care costs are likely covered.

You can get your Medicare coverage through Original Medicare or a Medicare Advantage Plan (Part C). If you have Medicare and full Medicaid, you'll get your Part D prescription drugs through Medicare. And, you'll automatically qualify for Extra Help paying for your Medicare prescription drug coverage (Part D). Medicaid may still cover some drugs and other care that Medicare doesn’t cover.

There’s No Cost or Obligation to Apply

It’s easy and free to apply for “Extra Help.” You, a family member, trusted counselor, or caregiver can apply online at socialsecurity.gov/i1020 or call Social Security at 1-800-772-1213. TTY users should call 1-800-325-0778.  (Note: this will only help you to enroll in the “Extra Help” program, you will still need t contact your county office for enrolling in Medicaid).

You can also get help from the Minnesota Board on Aging and many tribal organizations.  Contact MBA at 651-431-2500, or 800-333-2433.

Have Other Questions?  Let’s talk.
Call Becky Cole - 612-930-3630
ColeInsurance@outlook.com
 

Three Helpful Tips for Seniors Looking to Declutter
Article by Rachel Protas - Junk360
www.Junk-360.com

4/16/18

After a lifetime of experiences and memories, your collections of sentimental items will accumulate. Soon, your living space, shelves, and boxes are stuffed with newspaper clippings, photographs, gifts from family members, tax returns, letters, and greeting cards. When that happens, it’s time to declutter.

Why Should Seniors Regularly Declutter?

While it’s always difficult to purge, decluttering is especially important for seniors. Some reasons for seniors to declutter include:

1. Efficiency: With time it can become more and more difficult to find items you need. Decluttering cuts down on searching and saves you time.

2. Safety: Clutter is a tripping hazard. Decluttering enables you to move about your home with peace of mind.

3. Focus: Because messy environments affect cognitive thinking, it’s important to have a clean space where you can process information.

Tips for Seniors Decluttering

• Go Slow: Don’t try to tackle everything at once. After all, Rome wasn’t built in a day. Instead, carve out two to three hours per day. See what gets done, and then take a break. Doing so will keep you from getting stuck, and allow you to begin the next day with a positive outlook.
• Bring in an Objective Party: Going through all your old belongings is a challenge. Going through all your old belongings objectively is practically impossible. In that case, we recommend bringing in an objective third party to make the decisions easier. This could be a professional organizer, downsizing service, or housekeeper. These people will help you navigate the emotional terrain effectively.
• Ask Your Family to Help: Tell your loved ones you’re decluttering! This will give them the opportunity to rescue items of remembrance or personal value from your donation or junk pile. Also, you might need help moving some of the heavier objects…

What’s the Next Step?

When you’re decluttering, set up a space, bag, or box for the items you’re getting rid of. At the end of each day, go through those items and organize them into three sections:

• Sell: If there are items you want to sell, contact your local consignment store. Craigslist and ebay are also great ways to sell your stuff online.
• Donate: Less valuable objects make great donations. Call your local charities to find out what items they need. Some of them will even come pick those items up themselves, saving you a trip.

• Junk: At the end of the day, throw out everything in your junk pile. Don’t give yourself a chance to rethink it. It’s worthwhile to hire a professional junk removal service for larger items, such as furniture and old appliance.

Don’t add any more options! Make sure you’re taking care of things immediately. Otherwise they’ll continue to clutter up your home.

Junk360 Can Help Seniors Declutter!

It’s important to for seniors to regularly declutter their homes off all junk and unused objects. Not only does a clutter free environment keep you happy, it saves you (and your loved ones) time and effort in the long run.

Junk360 is here to help all seniors in decluttering their space! Our professional, five-star staff can help seniors organize their belongings and take care of all the heavy lifting. We’ll even clean up afterwards!

Since we charge by the truck space, our prices are guaranteed to be the best. Call (651) 395-8659 to discuss and schedule your junk removal or get a free estimate online!

Don’t get bogged down in the clutter. Leave it to us!

Meet Charlie
Article my Mary T. Inc.
www.MaryTInc.com

3/19/18

Isolation in Older Adults: What is it and how you can help
Article by Deb Taylor of Reimagine Aging Institute

1/22/18

Recently, AARP completed a report on the Framework for Isolation in Adults Over 50. The report defines isolation as the experience of diminished social connectedness stemming from a process whereby the impact of risk factors outweighs the impact of existing protective factors. A person’s lack of social connectedness is measured by the quality, type, frequency, and emotional satisfaction of social ties. Social isolation can impact health and quality of life, measured by an individual’s physical, social, and psychological health; ability and motivation to access adequate support for themselves; and the quality of the environment and community in which they live.

The report also states that isolation in adults aged 50+ occurs due to a complex set of circumstances and factors that exist at the individual, social network, community and societal levels. The primary risk factors associated with isolation include: living alone, mobility or sensory impairment, major life transitions, socioeconomic status (low income, limited resources), being a caregiver for someone with severe impairment, psychological or cognitive vulnerabilities, location (rural, unsafe or inaccessible neighborhood/community), small social network and/or inadequate social support, language (non-English speaking), and membership in a vulnerable group. Isolation can also be triggered by the change/loss of social network, social role, physical health, mental health, and resources.

The National Council on Aging estimated, in a recent study, that 17% of all Americans over the age of 65 are isolated because they live alone and face one or more barriers related to geographic location, language, or disability.

According to the findings in the report, the most prominent individual-level risk factors for older adults are living alone, having a physical impairment, losing a partner and/or close friend, and losing an important role such as employment.

This information is important to share because, if we’re lucky, we will all one day have the privilege of growing old. That’s why it’s crucial that we care for those of us who are already there, right now. But what do we do with this information? How can we change this?

This time of year has everyone thinking about how we can be better neighbors, friends, etc. to those around us and ensure they have somewhere to go or someone to be with during the holidays, but knowing how to help prevent isolation is something we should be concerned about all year long. Isolation is an ongoing issue, not just a seasonal one.

Here are a few things you can do all year long to be a friend to an isolated older adult:

Get to know your neighbors - This is the first step. Maybe you have an older adult living in your neighborhood that isn’t very active in the community. Introduce yourself, invite them to dinner, have coffee with them. The simplest acts can make a big difference in the life of a person who’s isolated.

Offer to drive - Not having access to transportation can be a big factor causing isolation for an older adult. If you can’t personally drive them, offer to help them find an organization that can. The holidays are just around the corner. Maybe you want to gift an older adult a bus pass to help them get around town.

Ask questions - As evidenced in the AARP report, there are many reasons an older adult may be isolated and it may have nothing to do with lack of transportation. They may have just lost a loved one and are finding it hard to find the motivation to leave the house or maybe they had to move recently and don’t know anyone in town. They may even have been feeling under the weather and haven’t been able to talk to anyone about it. You will never know if you don’t ask.

Encourage social activities - Senior centers are great places for older adults to engage with others as well as provide meaning for them with a variety of activities offered from woodworking to cards to yoga and more! With so many options, you’d be hard pressed not to find an activity you enjoy.

Offer to help - There may be a home project that is limiting an older adult’s mobility. For example, they may have trouble bathing themselves because they find it difficult to stand in the shower for so long. Or, this time of year, they may be limited by the snow on their driveway that they’re unable to shovel on their own. Be a neighbor and offer to shovel and salt a path for them. Or better yet, give our HOME program a call at 952-746-4046 to set up regular snow removal or a free in-home safety assessment to ensure the older adult is as safe and mobile as they are able to be.

There are numerous simple ways in which you can help prevent isolation in older adults, many of which require only a few minutes of your time. These are just a few suggestions. We hope that by reading this article you will become more aware of the older adults in your life and community and begin to engage with them more often. Older adults add so much value to our communities, it is time to show them the appreciation and support they deserve. In closing, I have just one question for you, what will you do to help prevent isolation in the lives of the older adults in your community today?

Deb Taylor is the CEO of Senior Community Services and its Reimagine Aging Institute, a nonprofit that helps older adults and caregivers navigate aging to maintain independence and quality of life. We provide a wide array of programs -- www.seniorcommunity.org

Winter Real Estate
Tips for Selling Your Home in the Winter
Article by Junk-360, Rachael Protas

12/19/17

Any real estate agent worth their salt will tell you that spring and summer are the peak home-buying season. But don’t despair just yet! According to a study by the real estate company Refin, December through May is the best time to list your home. Winter buyers tend to be the more serious shoppers, and data shows that homes sold in winter often go for more money that those in summer.  Therefore, we at Junk360 thought we’d provide a couple of tips for selling your home during the winter season.

Create a Sense of Warmth

With the sun setting earlier every day, it’s important to keep that darkness from creeping into your home. Potential buyers prefer well-lit houses and a sense of welcoming warmth. While that’s easy enough in the summer, creating that atmosphere in the cold darkness of winter requires a little creativity.

Junk360 suggests the following for adding more brightness to your home:

Open your blinds. Minimal window coverage means that the windows look bigger and encourages whatever daylight is left to shine into your home.

Experiment with different light bulbs. Find the most flattering tone for each space. Go for cozy and bright. LEDs in general play well with interior color palettes. However, bedrooms and living space tend to look best with a soft white bulbs while daylight bulbs brighten up bathrooms.

Add extra light. Any dark “walk through” spaces are going to stand out in the dreariness of winter. Installing recessed lighting or even adding some lamps on a timer into these space will go a long way during a showing.

Include some summer photos. In the Twin Cities, chances are the lawn’s going to be buried under a couple inches (or a couple feet) of snow. Buyers might hesitate to buy a house if they can’t even see the land that it’s on. While you can’t control the weather, a great way around this is to include a photo album or even a slideshow of the exterior in the fall, spring, and summer. Make sure to highlight your lawn’s best features, such as vegetable gardens, flower beds, and decks with all the outdoor furniture in place. This will help the buyer envision themselves in your home year round.

Taking these simple steps ensures that your property sparkles against the seasonal backdrop, especially in comparison to other houses on the market.

Turn up the Heat

Hey, Minnesota! Just in case you didn’t notice, winter is cold. And the one thing buyers in the Twin Cities definitely aren’t looking for is a cold house. Double check your doors and windows for drafts. If you do find any, spend a little extra time and money to insulate and weather seal them.

Make sure your boiler and furnace are in top shape. If possible, get them inspected by a maintenance team before the house goes on the market. Ask them to leave an inspection sticker in plain sight since buyers will want to make sure those systems are up and running.

If you have a fireplace or wood burning stove, now’s the time to show them off. The smell of burning wood triggers positive sense memories.

But, whatever you do, don’t turn the heat off, even if you’re selling a vacant property. If you must, put your heating system on a timer to make sure that the house is at least 65 degrees during the showing. Buyers don’t want to spend more than a few minutes in a freezing property. Don’t lose an opportunity to showcase your house’s features because of the temperature!

De-Junk and Deep Clean

Always declutter and depersonalize. That’s sound advice for selling a home year round. This is the time to get rid of all the junk you don’t want to move with you to the next house anyway. Give Junk360 a call at 651-395-8659, and we’ll help you junk that stained spare mattress or the armchair your cat’s shredded away over the past five years.

You can also start packing up all the seasonal items you won’t need for the next couple months. Summer clothes, outdoor sports gear, and patio furniture can all get boxed up or even placed in storage. This helps declutter the house space, allowing potential buyers to envision how their belongings will look nestled against the walls.

Additionally, a decluttered home is easier to clean.Try to dry mop and remove all dust and dirt that’s settled into the cracks and corners. Vacuum area rugs and carpets. Sweep hardwood floors and keep toys tucked away. Decluttering and de-junking your house will help you maintain cleanliness between showings.

Just because it’s winter doesn’t mean that buyers can’t appreciate what your house has to offer. Follow these steps to prep your house for the best offer of the season! Contact our friendly, five-star movers at Junk360, and breath a sigh of relief. We promise to do all the heavy lifting!

Need a Real Estate professional to help you sell your home? 

Click Here for our Approved List of Real Estate Professionals

Stroke Information & Resource Guide
Article by ACLS Training Center.  Click Here for the Full Article.

12/8/17

A stroke is a serious and sometimes life-threatening condition. It is a leading cause of disability and the fourth leading cause of death among Americans. Until recently, if you were to experience a stroke, supportive care was all that was available. But now, stroke management has progressed to a point where a stroke can be stopped in its path.

There are treatments available that can prevent or limit disability caused by a stroke as well as saving many lives. The success of such treatments is dependent upon how much time has passed since the stroke symptoms appeared. Therefore, the early recognition of a stroke by the patient or their family is of the utmost importance. This article will attempt to give you the information you need to recognize a stroke and respond accordingly.

Recognizing a Stroke by Signs and Symptoms

Because the medical management of stroke varies depending on the length of time since symptoms first appeared, and due to the fact that this will affect prognosis, a prompt recognition of a stroke is extremely important.

Keep in mind that stroke symptoms usually start quite suddenly and get worse over time. You may be sitting at a table and suddenly be unable to hold your coffee cup or get your words out correctly. Signs and symptoms of stroke include sudden onset of weakness on one side of the body and slurred speech or dysarthria, meaning, the inability to make your words come out right. A sudden change in the way you walk or feeling that one leg is not “acting right” can be a sign of stroke. Some patients also notice changes in their ability to see. Loss of balance is another common sign of stroke. Patients who have bleeding around their brain may complain that “they have the worst headache of their life”.

A useful acronym to recognize and respond to stroke is FAST:

• Face - Drooping of one side of the face. Ask the person to smile and note if it is uneven.
• Arms - Weakness or numbness in one arm. Ask the person to lift both arms. Does one extremity drift downward or is the person unable to lift it?
• Speech - Difficulty in speech, is it slurred? Ask the person to repeat a phrase and note any changes in speech.
• Time - If any of these symptoms are present, it’s time to call 911 immediately. Also, take note of the time since symptoms onset, which will be required by doctors to decide on appropriate treatment.

In the case of an hemorrhagic stroke the symptoms appear in a more abrupt way and varies from the ischemic one, the headache is the first thing to appear, it consists on a very severe pain which makes the patient feel like “his head is gonna explode”, then the rest of the symptoms start to appear.

Nausea and vomiting are common along with dizziness and a very stiff neck and are accompanied by confusion and even seizures, this set of symptoms are called “meningeal syndrome” due to the inflammation of the meninges (a set of membranes that cover the brain and spinal chord), thanks to a severe and sudden hemorrhage in the brain.

It is important to remember though, that the only and best way to ascertain the type of stroke along with the adequate treatment for it, is through imaging studies, for example, a CT scan or an MRI, this last one uses magnets and radio waves in order to create pictures of the organs and structures of the body. This test can detect changes or damage to the brain tissue. All of this is done in the confines of a medical center, so it’s important to take note that we have to act fast in order for the adequate treatment to happen.

For more information Click Here for the Full Article

• What is a Stroke?
• Why Me? Causes of Stroke
• I’m Having a Stroke! What Should I Do?
• What to Expect When the Ambulance Arrives
• What Treatments are Available for Stroke?

A Practical Guide to Downsizing for Seniors
By Junk360
www.Junk-360.com

11/15/17

For seniors transitioning to smaller homes, the prospect of downsizing can seem overwhelming. While Junk360 is able and prepared to assist with junk removal and hauling, there are a few actions seniors and their families can undertake to start the process.

First, start early. Seniors have a lifetime of things to sort through. Planning a day or a weekend to downsize just isn’t practical and will leave you feeling rushed and overwhelmed. Instead, give yourself a month or two. This will allow you to go through one room at a time, taking breaks as needed.

Know Your Goals. Hopefully, you have an estimated size of your next space. If you currently own a four bedroom three bathroom house, and you plan on downsizing to a two bedroom two bathroom then eliminate two bedrooms and one bathroom worth of stuff. Does your new place have a smaller kitchen? If so, weed through a third of your cooking supplies. For seniors downsizing, knowing how much space you’ll have and what you need to get rid of helps elevate some of the doubt and anxiety of decluttering.

Don’t start with photos. Margareta Magnusson, the master of senior downsizing and decluttering herself, offers this important piece of advice. Starting with photos risks losing yourself in memories and never accomplishing anything. Instead, start in areas with little emotional attachment. The laundry room or linen closet for example. As you sort, make only ‘yes’ and ‘no’ piles – no ‘maybes’ or ‘ifs.’

Get rid of what you can. Especially the duplicates. Seniors downsizing to a one bedroom apartment won’t need five sets of bed sheet. If you’re moving to a place with no garage or office area then everything in those rooms will need to get eliminated. If you collect football jerseys or glass figurines, pick the two or three that mean the most to you and give the rest away. Yard sales are a great way for seniors to downsizing – passing on materials to others looking to make their own memories.

Involve the family. Enlisting trusted loved ones to help seniors downsize and declutter can turn a painful task into a helpful heart-to-heart. Maybe your daughter doesn’t want that china set; maybe she wants the rolling pin you taught her to take pies with. You’ll remove items from your home while being able to enjoy passing them onto the next generation, making you happy while lightening the load.

Finally, ask for help. Garages, attics, and basements are the most difficult areas to tackle. Not only are those the spaces where we tend to shove our junk, but they’re uncomfortable spaces that run swelteringly hot to bone chillingly cold depending on the season. This is the point of the process where Junk360 can help.

Junk360 is prepared to assist you organize your clutter, haul away the leaf blower that hasn’t worked in years, clean out the garage, and remove the junk from your basement. With a careful eye, Junk360 can aid seniors downsizing figure out what to donate and what to haul away. As a community orientated, veteran-owned business, Junk360 is ready to help you save memories and remove the clutter. 

Junk360 - 651-395-8659 - www.junk-360.com

Preparing for MNsure Open Enrollment
Article by Connecting Resources Together
Beck Cole Insurance

11/01/17

Open Enrollment will start on November 1, 2017 and go through January 14, 2018.

Minnesota’s enrollment period will be longer than the federal period, but the window of opportunity is still short. Not only is the window of opportunity changing, but many of the plans are changing, too. There will be caps on several of the plans again this year, so it is a good idea to prepare for it to ensure you can get the right coverage for the providers who are important to you.

Here’s a few tips to help you get through it: 

1.  If you need help with Medical Assistance or Minnesota Care enrollments, it’s best to contact a navigator if you have questions. They often have access to additional social services and community resources that brokers typically don’t have. Brokers are great for helping with traditional health policies both on and off the exchange, as well as other types of insurance policies.

2.  Be sure you can use your online account. All plans and renewals must be done online. It’s a good thing to check out your account before open enrollment starts. 

Write everything down and keep it in a safe place

Since this is a yearly process, it is easy to forget what you did before, or what are the answers to your security questions.

Confirm your username and password

A good strategy for avoiding a call to the MNsure Contact Center is to reset passwords online. Forgotten user names or passwords can be recovered with the appropriate links on the Sign In page.

Update your account information

It’s important for enrollees to update their MNsure account if any of their household information changes. This could include a new address, changes to income or changes to family size. Updating records will ensure that notices and forms are mailed to the correct address, the amount of financial help enrollees qualify for is adjusted, and accurate information about available plans is provided.

Account updates should be reported to the MNsure Contact Center before open enrollment begins: 1-855-366-7873 or 651-539-2099.

3.  Don’t start a new account. It’s tempting to do this if you have forgotten your login information from last year, or you are having trouble logging into the system, but having multiple accounts on the exchange can wreak havoc in a lot of ways. Call the Contact Center for help in accessing your current account.

4.  Be aware that many of the insurance plans will be changing networks and providers who are in their networks for next year. It’s a good idea to do some preliminary “window shopping” before you enroll. It’s also a good idea to enroll early because many of the plans will have caps again this year, too.

5.  Schedule an appointment with a broker or an assister. Help can happen either in person or online, but with the shortened window this year, many calendars are already filling up.

If you are in the 694/35W area of the metro area (or are willing to travel to that area) and need help with a traditional plan, I’d be happy to help you sort things out. In addition, I am also credentialed to help with Medicare enrollments. 

If you are anywhere in the state and need help with Medical Assistance or Minnesota Care plans, call the Contact Center and tell them you need and assister to help with those programs.

MNsure Contact Center: 1-855-366-7873 or 651-539-2099

Becky Cole: 612-930-3630 or email: ColeInsurance@outlook.com.

Healthcare Directives
Article by Ahmed Bachelani
Bachelani Law Offices
www.bachelanilaw.com

10/23/17

Healthcare Directives go by various names such as advanced directives or a living will. If you are confused about the difference, do not worry because many are confused. There is no difference except for what each particular state calls these directives. 

A basic healthcare directive is allowing another person, usually a relative, to make healthcare decisions for you. These are used when the grantor, the one who gives the power to make the decisions, can no longer make the decisions necessary due to incapacity. However, the directive has to be in place prior to incapacity. A key requirement is that the grantor have capacity to give the power.

These go beyond just granting the power to make decisions but may also specify specific instructions to follow. Famous cases involve "Permanent Vegetative States" where the grantor is without brain function but may still have body function. This where the Grantor may specify that they do not want to live on machines or how long they want to be in that state before making a decision. 

A healthcare directive can do much good for the family of the grantor by specifying wishes or allowing one person to make the decisions necessary. This prevents a family from guessing and fighting about what they think that the Grantor would want in any serious scenario. This can also save a lot of money if the Grantor loses capacity and needs someone to make decision. Without the document necessary the family of the person would have to spend quite a bit of money to get guardianship of the person.

A little planning in advance can save time, money, and headaches in the long run. If you have any questions please contact Ahmed at Ahmed@BachelaniLaw.com

Bachelani Law Office
651-428-7872
Ahmed@bachelanilaw.com

www.bachelanilaw.com

ASSET PROTECTION MADE EASY

Final Expenses Insurance - RJF Brokerage Services Robert Frello

Final expense insurance is designed to cover the bills that your loved ones will face after you pass. Even a very basic funeral can costs thousands of dollars. Find out today why it makes sense to have final expense insurance to help your loved ones avoid the burden of those costly bills. We can help protect your assets from the nursing home! Call Bob Frello today for complete information on what would work best for you.

Tel: 651-407-6039
Email: bobfrello@msn.com

10/06/17

Financial Planners Continue to Dispute CFPB Report
on Reverse Mortgages

by Alex Spanko

9/28/17

Major upcoming changes to the reverse mortgage program may have dominated industry headlines over the past week, but financial planners have continued to respond to another Home Equity Conversion Mortgage story: a Consumer Financial Protection Bureau report that warns against using the products to delay Social Security payments.

Last week, American College of Financial Services professor Jamie Hopkins took to two online news sources — Forbes and The Hill — to rebut the CFPB, which posited that the costs associated with a reverse mortgage outweigh the benefits of using a HECM line of credit to delay Social Security payments.

The strategy, popularized in recent years as a novel financial-planning use of the HECM, remains valid, according to Hopkins and others who have weighed in on the issue.

“If anything, the strategy is probably vastly underused, not over,” Hopkins wrote in Forbes, questioning why the CFPB would spend a significant amount of time criticizing a strategy that remains relatively rare in the retirement world.

The main benefit of putting off Social Security as long as possible, Hopkins claims, comes from protecting against a longer-than-expected retirement — something that the CFPB didn’t consider by basing its analysis on the average lifespan of American retirees. He also objected to the way the bureau calculated the costs of a reverse mortgage, arguing that its estimate was inflated.

Hopkins expressed similar opinions in a piece this week from Investment News, which also dove into the tax implications of using a HECM to delay Social Security. Curtis Cloke, a retirement planner in Iowa, told the publication that the CFPB didn’t think about the tax implications of taking or deferring Social Security benefits.

“Depending on the total household income, the reverse mortgage creates cash flow without tax, while the Social Security benefit could create tax,” Cloke told Investment News. “Taxes were completely ignored in this paper.”

Cloke emphasized that the strategy is more complicated than simply using the proceeds instead of Social Security payments, and recommended that borrowers establish a line of credit as soon as possible to cover a variety of potential eventualities — adding that other investment products, such as bonds or CDs, may not mature when retirees need them most. He also advised borrowers to pay back the reverse mortgage proceeds to take advantage of potential tax benefits.

“The ability to have access to a reverse mortgage line of credit while waiting for the maturity date to pay off the loan balance may actually enhance the total net worth, taxes, and optimization of the use of a reverse mortgage,” Cloke told the publication.

Read the full rebuttal to the CFPB’s analysis. 

Article written by Alex Spanko and Shared by Earl Rose of Guaranteed Rate

Earl Rose
Vice President of Mortgage Lending
Reverse Mortgage Specialist

First licensed in Real Estate in 1979, Earl’s many, many years of experience in both the Real Estate and mortgage industries, affords him the ability to share with the public and his clients, the wisdom of real life experiences. It is that experience that drives his passion for Reverse mortgages. Earl has been a VP of Mortgage Lending at Guaranteed Rate since 2009 and has been originating Reverse mortgages since 2003 and currently Reverse mortgages are his exclusive product offering. Earl’s originating and education endeavors are supported by a very experienced Reverse mortgage processing staff and his entire group is highly regarded in the Reverse industry as one of the best for not only how they handle the client, but how well they assemble and close client files. Contact Earl today. His experience is your key to understanding what some find at times to be a ‘different’ but very intriguing and useful consumer product. Reverse mortgages.

Address: 855 West Broadway, Ste B, Forest Lake, MN 55025
Tel: 612-293-0209
Email: earl.rose@rate.com
Website: https://www.guaranteedrate.com/loan-expert/earlrose
License: #NMLS ID: 212480 GR: 2611

Equifax Security Breach and Myths of Identity Theft
Article by Connecting Resources Together
Beck Cole Insurance

9/20/17

By now you have heard the news about the security breach at Equifax. This is the fifth database from which my information has been stolen, so I can appreciate the headaches this type of thing can cause.

Identity theft can happen to everyone. Not just adults, but children, too, are at risk for having their information stolen and used illegally. It affects us all.

Here are some quick statistics about the impact of it:

Hundreds of Millions of Americans’ Identities have been reported lost or stolen since Jan 2005. – www.privacyrights.org

Over 400,000 Dead People opened Bank accounts last year.

The revenue from trafficking financial data has surpassed that of drug trafficking. – US Secret Service

As a victim of identity theft, you are guilty until proven innocent!

There is more than one way your information can be used: 

• Criminal ID Theft occurs when a bad guy uses your ID when committing a crime.

• Employment ID Theft begins when fraudster uses your social security number and other information to obtain employment.

• Medical ID Theft happens when someone uses your medical information.

• Financial ID Theft is used to gain access to your financial records and accounts:
     Most noted and feared
     Can ruin someone for years
     But accounts for only 17% of overall ID Theft events

Myth 1:  Given the time frame of when the breach at Equifax happened, if they haven’t used my information by now, thieves won’t ever use it.

Truth:  Thieves have no particular time frame in which they work. Sometimes they will hold onto the information to use later when they think you are confident the threat is over and are no longer paying attention.

Myth 2:  I don’t have credit so I don’t have anything to worry about.

Truth:  Credit is only one part, and often the smaller part. It’s your social security number that is more useful to them, because they can use it in multiple ways to establish credit. In fact, those without credit or recent credit are more likely to not monitor their report, which gives thieves more opportunity to do some damage to you.

Myth 3:  All of the “Identity Theft” products are the same.

Truth:  Read and listen to what they are saying before you buy anything. Those that say they will only monitor your credit report are not worth considering. For example, when someone uses your information to get a driver’s license, that’s not something that will show up on your credit report. Besides, monitoring just your credit report is something you can do on your own.

So, What Can You Do?

Check the Equifax site to see if you were impacted. If you were, sign up for the service they are offering.

Even if they say you weren’t impacted, check your credit report and lock your report and ask for it to be locked. Also, remember that everything is not always reported to all three agencies, so it is a good idea to check Transunion and Experian, as well.

A good resource to check out is www.IdentityTheft.gov. It has a checklist of steps to take if you think your information has been utilized.

Another useful resource I found is with LexisNexis ® https://personalreports.lexisnexis.com/

They collect information from a wide variety of public sources and will be able to show you items such as real estate transaction and ownership data, lien, judgment, and bankruptcy records, professional license information, and historical addresses.

They also can give you a FACT report. The Fair and Accurate Credit Transactions Act (FACT Act) was enacted in 2003 and amends the Fair Credit Reporting Act (FCRA), a federal law that regulates, in part, who is permitted to access your consumer report information and how it can be used. The FACT Act entitles a consumer to obtain one free copy of his/her consumer file from certain consumer reporting agencies during each 12-month period.

LexisNexis® Risk Solutions has a company that maintains consumer files that are subject to the free disclosure requirement: C.L.U.E. Inc. maintains information on insurance claims histories. This company designed an easy process for consumers to request their free file disclosure.

The C.L.U.E. Personal Property report provides a seven-year history of losses associated with an individual and his/her personal property. The following data will be identified for each loss: date of loss, loss type, and amount paid along with general information such as policy number, claim number and insurance company name.

The C.L.U.E. Auto report provides a seven-year history of automobile insurance losses associated with an individual. The following data will be identified for each loss: date of loss, loss type, and amount paid along with general information such as policy number, claim number and insurance company name.

Remember, it’s not about what you have or have not done with regards to your personal information. It’s about who else is using it, and making sure you are keeping your information safe.

If you have any questions, or need help with finding other resources, feel free to contact me.

Becky Cole
ColeInsurance@outlook.com
612-930-3630

The Alzheimer's Medical Advisor
A Caregiver's Guide to Common Medical and Behavioral
Signs and Symptoms in Persons with Dementia
Edited by Philip Sloane, MD, MPH - Article by Sunrise River Press

8/31/17

As we move through life many of us find ourselves needing to help a family member or friend with a medical condition.  Chronic conditions such as Alzheimer's and other dementias require longer-term, possibly every-increasing assistance. Problems with thinking and memory conditions lead to new, different and often challenging behaviors.  In addition, caring for someone with Alzheimer's often means helping them deal with other medical problems that are often difficult to recognize.

This book is a resource for caregivers of people with Alzheimer's or dementia who are also beginning to experience non-memory-related medical conditions.  It addresses 54 medical conditions that caregivers often must deal with when providing care.  Each medical condition is addressed in an easy-to-follow, two-page guide that provides basic facts about the medical condition, signs that indicate a possible emergency, tips on providing relief in the home, other related issues to watch out for, and safety tips for the caregiver.

Written by experts at the University of North Carolina  at Chapel Hill and Duke University, this book is based on the latest clinical knowledge and scientific research on Alzheimer's and the care of Alzheimer's and dementia patients.  It includes basic facts about Alzheimer's disease and other dementias and practical guidance when conferring with doctors and nurses, when visiting hospitals, nursing homes, and assisted-living residences, and during the dying process.  Also, an entire chapter is devoted to what caregivers need to do to take care of themselves while helping someone with Alzheimer's and related dementia. 

This amazing informational book is available at all major bookstores, Amazon and Sunrise River Press (www.sunriseriverpress.com or 1-800-895-4585). 

About the Editor:
Philip Sloan, MD, MPH, the Elizabeth and Oscar Goodwin Distinguished Professor of Family Medicine at the University of North Carolina at Chapel Hill (UNC-CH), is a geriatrician with over 35 years of experience managing and researching issues related to older persons, with a focus on Alzheimer's disease and related cognitive disorders and those who assist them with care and services.  Among his many awards are the Academic Award from the National Institute on Aging and the Pioneer Award from the national office of the Alzheimer's Association.  He has authored over 300 publications, including 18 books. 

Sunrise River Press
838 Lake Street. S
Forest Lake, MN  55025
651-277-1400
www.sunriseriverpress.com/alzheimers

Using Music for Memory Care
Karen Blomgren, MT-BC, NMT
Mary T. Hospice

8/15/17

In the field of Neurologic Music Therapy, exciting new evidence is emerging as studies of music’s effects on the brain become more credible.  While music in itself cannot cure Alzheimer’s Disease and the many forms of Dementia, it is certain that the use of music can greatly enhance the lives of our loved ones and increase their quality of life for an extended period of time.  One does not have to be a Music Therapist, or even a trained musician, in order to implement some of the basic strategies that have been found to be effective while caring for someone with a cognitive impairment.  

Whereas speech, physical movement, etc., utilize just one small area of the brain, music activates all of the neuropathways throughout both the brain’s right and left hemispheres.  Music is the only medium that provides a direct link to all of our senses and to our executive functions:  cognition, speech and communication, emotions, motor control, eyesight, hearing, taste, smell, and touch.   Music is “full brain,” and music is “sensory.”  These are key factors in helping our loved ones to communicate as fully as possible for as long as possible.   The more sensory input they receive, the greater their opportunity to respond verbally in order to tell us what they need, thereby increasing their quality of life.

Here are some specific ideas on how and when to utilize music with a loved one in daily living:

·       For Speech and Communication:  Singing.
It is important that the songs be familiar and of the preferred musical genre of the person with memory loss.  Whether she/he likes country music, classical, patriotic, or hymns, etc., use songs of his/her favorite artist.  Popular music from the decade of their twenties will most often elicit a response.  Depending on their level of cognition, singing a song (audio input) while holding their hand (tactile input) and making close eye contact (visual input)  may produce a response.  (Repetition might be necessary because of delayed cognitive processing).  However, if your loved one is able to sing, then the perfect time to ask if anything is needed is immediately after the song, ie: “Are you hungry/thirsty?  Are you cold/warm?  Does anything hurt?” -  All helpful questions to obtain information that if communicated, can add to their level of comfort.  You may in turn find that your loved one’s verbal ability increases for an extended period of time after singing.

·       For Reality Orientation:  Use recordings of their favorite music to orientate your loved one to time of day, transporting, and activities of daily living.  Structure is very helpful as cognition declines.  Recordings of morning and breakfast songs to start each day; songs about food when eating; songs about water when bathing; songs about walking/marching/dancing to exercise or to move from one place to another; and finally, songs about evening and bedtime for relaxation and comfort. 

·       For Memory Recall:   Utilize old pictures with associated songs to begin conversations (Visual/audio input).  Reminiscence contributes to life satisfaction and intimacy.   

·       For Improved Mood / Emotional Expression:  Music can be used to redirect difficult behaviors and to allow for feelings to be addressed.

·       For Relaxation/Pain Management:  Instrumental recordings of soft and slow, rhythmic songs to focus on can be helpful to decrease agitation, anxiety, stress and insomnia.

·      In addition to providing mental stimulation, all of the above serve as a means to combat social isolation and withdrawal as well as provide opportunities for spiritual support, if desired. 

It is our hope that the information provided here about the use of music in memory care can be of some assistance to those in both private and professional caregiving roles. Please feel free to contact Karen Blomgren, MT-BC, NMT at Mary T. Hospice for more information, as well as for specific questions concerning your loved one.   Call Karen at 763-760-3519.

Mary T. Inc.
Karen Blombgren, MT-BC, NMT
763-760-3519
www.marytinc.com

Telemedicine
A Great Way to Offset Rising Medical Costs
Article by Becky Cole
Connecting Resources Together

7/18/17

A few months ago, I woke up with what later turned out to be a sinus infection. It was annoying, but I have a busy schedule and really didn’t relish the thought of having to go sit in a waiting room for hours, and then there were the co-pays and deductibles to deal with, too.  Besides that, I was sure it would go away on its own, if I ignored it long enough. Finally, I got tired of tissues and clearing my throat every time I wanted to talk, and decided to do something about it. Then it occurred to me, I didn’t have to take time off from work. I have access to telemedicine providers, and to solve the financial side of things, if I use telemedicine, I have no co-pays or deductibles.

What is telemedicine? It is the ability to use technology – either the phone or through video – to have a live consultation with a medical provider.  All providers have to be licensed and credentialed in order to provide the services. Some plans use nurse practitioners, some use MD’s, others use a combination of the two.

Its purpose is to augment or supplement the services of your primary care provider (if you have one), and provide an alternate option to receiving care.

What services can be provided by telemedicine?

Telemedicine can be used for a wide variety of health services. Here’s a short list of common conditions a primary care doctor may treat via telemedicine:

Mental health and wellness programs are also a good fit for this modality.  However, telemedicine should never be used for things like broken bones, severe symptoms, or medical emergencies.

When should I use this kind of service?

·        When you’re considering the ER or urgent care for a non-emergency medical issue.

·        Your primary care physician is not available

·        At home, travelling or at work

·        24/7/365 even Holidays!

·        When you have a high deductible insurance plan and aren’t sure whether or not your condition requires a full medical work-up

·        When you have mobility or transportation challenges

Interested in learning more?  Contact me:

Becky Cole - 612-930-3630
Connecting Resources Together
ColeInsurance@outlook.com
MN Producer License #40405236

UNIVERSAL DESIGN
New buzz word the last 2 years in design- what does it mean?
Article by Minnesota Rusco

6/28/17

Universal Design is a new way to look at your space when designing. In a remodel it may help you make your home ready for you to age in place or more marketable as it fits all stages of someone’s life- anyone can live there and be comfortable.

Factor’s to think of when remodeling your bath with this concept in mind are:

Ample clearance. For a wheelchair to make a 180-degree turn in a bathroom, there must be at least 5 feet of open space.

Universal design Showers - critical in a bathroom design is safety, including slip-resistant surfaces, proper lighting and features like attractive grab bars that can work as a hanger for towels or a support in case you lose your balance. “The same logic with universal design bubbles up into overall space planning,” says Diana Schrage, senior designer at Kohler. “We are providing more creative solutions for the long-term that are beautiful and are not a trade-off

Curbless shower - The Roman shower without a rim to step over is the best design for people of all ages, and especially those who use walkers or wheelchairs. The shower has no lip at the floor, which slopes down toward the drain (in some designs, an infinity drain.

Grab bars - Forget the tubular, obvious bars that scream “senior.” Who couldn’t use the security of a grab bar in the shower, after all? This feature is suitable for all ages, and sleek grab bars can double as towel holders until the homeowner needs the extra support, Perrin says.

Slip-resistant floor - You can maintain the cohesive look of using a single tile design in your shower for the wall and floor while improving traction by increasing grout lines on the floor for slip resistance, suggests Diana Schrage, senior designer for Kohler.

Hand-held shower - A hand-held shower is a necessity for those who have physical limitations, and the fixture is convenient because it can be used for a quick spray-off (even replacing a bidet). But where the fixture is positioned makes all the difference. “Most of the time, the water supply is positioned too high,” Perrin says. “The hand-held reaches down to your knees and that’s it. It’s too short.” Be sure the hand-held sprayer reaches your feet when you sit on the shower bench.

Shower seat - A bench in the shower gives you a place to sit and bathe. You can use it for storage or to prop your leg up while shaving if you don’t need the seat. A triangular bench or seat that runs along the length of a shower is an example of two configurations.

Walk in bathtub - easier to get I and out of, soothing to aching joints. New designs are more aesthetically pleasing and Kohler now has the lowest step-in thresh hold ever.

No barriers - Rather than soap dishes and shower shelves that protrude, Schrader designs niches so people aren’t tempted to grab on to these features for support if they accidentally slip. Even consider water tile shower heads that are flat. “I try to design as few items projecting into a showering space as possible,” she says.

In the rest of the bath important factors are:

Tall toilets - Opt for a commode that is 16 to 18 inches high compared to standard 14- or 15-inch high seats. Once referred to as handicap toilets, these “comfort height” or chair height seats, as they’re not marketed, are ideal for most everyone in a household.

Wall-mounted sinks - Wheelchairs and walkers can easily slide under sinks that are mounted to the wall. There are no cabinets or pedestal which translates to more leg room.

These design ideas don’t mean your bathroom has to look like a sterile hospital room. The options out there are endless and most lend to a “spa-like” feel that anyone of any age will enjoy!

Contact Minnesota Rusco today to learn more about our shower and bath remodeling options, or for more information about our other products.  We have over 60 years experience serving Minnesota.  We stand by all of our work with Lifetime Warranties.

In addition to installing high-performance windows and doors, the professionals at Minnesota Rusco can help you with many other home improvement projects. We offer customizable bathroom remodeling solutions, featuring a wide array of shower, bathtub, flooring, lighting, and vanity products, along with countless accessories. Whether you want a tub to shower conversion, a walk in tub by Kohler, or a luxurious jetted soaking tub, we can create the calming oasis you’ve always wanted. If making your home more spacious and bright is a priority, we can build a sunroom that will fit perfectly with your home’s architecture. Similarly, we can add attractive insulated siding to your residence that will not only look great on your home, but will also help lower your utility bills. Contact Minnesota Rusco to learn more about our replacement windows, exterior doors, or any of our other products and services.

Tel: 952-935-9669
Email: angela@minnesotarusco.com
Website: http://minnesotarusco.com/walk-in-tubs/

Article from Neriumblog.net

6/6/17

After five years of unprecedented growth, Nerium International is ready to broaden our horizons yet again. This time around, we’re adding two innovative solutions to our revolutionary line of age-defying products: Youth Factor™ Complete Vitality Complex tablet and Youth Factor Superfood & Antioxidant Boost powder.

Recently, Nerium undertook a mission to develop a comprehensive, anti-aging wellness solution that targets universal aging needs in a way that we have never done before. Mission accomplished. Powered by our patent-pending Youth Factor enzyme blend and Complex NAA™ blend, both Youth Factor products work together to help improve wellness inside and out. Powerful alone, unstoppable together, Nerium’s new innovative products are sure to keep your body healthy and vibrant!

YOUTH FACTOR^TM COMPLETE VITALITY COMPLEX

Great news! It’s no longer necessary to scan pharmacy shelves and grocery aisles for multiple products to address many universal anti-aging concerns. With one little pill, Nerium’s new daily supplement targets several issues simultaneously and is specifically designed to support health where it starts – the cellular level. Our Youth Factor tablet includes a host of antioxidant and other ingredients to help fight free radicals and support the immune system.

The Youth Factor tablet also includes Nerium’s exclusive, patent-pending Youth Factor enzyme blend that enhances the optimal absorption and bioavailability of polyphenol antioxidants Nutrients such as PrimaVie® Shilajit, PQQ, and Coenzyme Q-10 help mitochondrial function at their optimal level.

Nerium’s exclusive, patent-pending Complex NAA blend, which helps brighten the skin and reduce the appearance of wrinkles, rounds out this complete anti-aging product.

Ingredients in Youth Factor Complete Vitality Complex help:

• Support cellular energy*
• Defend against radical damage*
• Support your immune system*
• Reduce the appearance of wrinkles*
• Reveal brighter-looking skin*

YOUTH FACTOR^TM SUPERFOOD & ANTIOXIDANT BOOST POWDER

The second product and counterpart of Nerium’s latest dynamic duo are Nerium’s Youth Factor Superfood & Antioxidant Boost Powder – a drink powder packed with daily essentials, antioxidants, pH adjusters and superfoods, as well as Nerium’s two proprietary, patent-pending ingredients, Complex NAA and Youth Factor enzyme blend.

In addition to providing smooth and non-jittery energy for the body, this unique product also supports the body’s alkaline balance. The Youth Factor powder has a unique mix of benefits to help fight signs of aging all around.

Ingredients in the Youth Factor powder help:

• Balance pH levels to keep your body optimally alkalized*
• Defend against free radical damage*
• Help your body absorb beneficial nutrients*
• Include up to 4 servings of fruits and vegetables*
• Reduce the appearance of wrinkles*
• Reveal brighter-looking skin*

Already a global leader in skincare, Nerium International now raises the bar by offering its first-of-its-kind, streamlined approach, consisting of advanced ingredients targeting the most common signs of aging. If life gets too busy to eat right, having a refreshing Youth Factor drink and tablet can provide peace of mind knowing your body is soaking up the nourishment it needs.

POWERFUL ALONE - UNSTOPPABLE TOGETHER!

*These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure or prevent any disease. Testimonials given by Nerium Independent Brand Partners.

To order these amazing products go to www.angb.nerium.com or contact
Angela Bohnsack, Nerium Independent Brand Partner
763-614-0546 or email angbn13@gmail.com 

Osteoarthritis—Relief of Pain and Increase in Function
Article by Handi Medical Supply
www.handimedical.com

5/8/17

Pain Relief Grows with Regular Therapy and Joint Function Improves

Sam Sport is an FDA-cleared medical device that reduces the pain associated with tendon, ligament or muscle injuries and also accelerates the natural healing cascade. Sam Sport provides ultrasonic waves that penetrate 5cm into the tissue; this increases circulation along with oxygen and nutrient delivery.

Osteoarthritis

Ultrasound therapy is clinically effective for Osteoarthritis pain management. In multiple clinical trials, sam® Sport daily wearable multi-hour ultrasound therapy has been proven clinically effective on reducing pain and improving function of patients suffering from moderate to severe Osteoarthritis. When applied  during normal daily activity, patients experience 39% to 51% pain reduction in the treated joint.

In one randomized placebo controlled clinical trial on knee Osteoarthritis, treatment of patients with moderate- to severe pain with sam® Sport (four hours per day, daily for six weeks) resulted in a 39% reduction in pain levels, compared to only a 17% decrease in pain in the control group (p<0.05).  

Sam Sport: reduces pain, enhances tissue recovery, increases deep circulation, delivers mechanical compression, provides deep heating, increases oxygen and nutrient delivery, provides daily, multi-hour therapy and it is wearable and portable.

Sam Sport is available exclusively at Handi Medical Supply in the Twin Cities, Mankato and Coon Rapids.

Currently sam Sport is a private-pay item; or in the case of an injury, it is covered under most workman’s comp or personal injury plans. For more information please contact one of our offices.

Sam Sport can be purchased at
Handi Medical Supply:

Twin Cities 651-644-9770
Mankato 507-779-7560  
Coon Rapids 651-789-5858

Why Plan Your Funeral Arrangements in Advance?
Article by Dignity Memorial
www.dignitymemorial.com

4/3/17

Though it’s not a topic many of us want to think about, most people can agree that planning for what happens after your death can reduce the stress of grieving loved ones. It’s easy to understand how making decisions now about your funeral arrangements can help assure those left behind that your wishes are being honored.

Advance Funeral Planning Makes Financial Sense

You may not realize, though, that preplanning your final arrangements also makes good financial sense. There a few key ways in which funeral preplanning can impact your financial bottom line.

Guaranteed Price

Funeral home services and merchandise are forever priced-guaranteed, stopping inevitable inflation of funeral costs.

Security
Preneed funds are deposited in a federally regulated insurance or trust vehicle.

Convenience
You can make preneed funeral arrangements at one of our funeral homes or in the comfort and privacy of your own home.  Flexible financing is available. 

No Health or Age Restrictions

You may receive the benefits of Prearrangement regardless of your age or health status.

Transferability
If you move, your preneed funeral contract is transferable to any funeral home, including anyone of our worldwide affiliates.

Eliminate Doubts

Spare your family the emotional stress of making decisions during a challenging time.  A preneed funeral arrangement records your exact wishes ~ consider it the final gift for those you love.

Peace of Mind

Responsible estate planning requires many considerations.  In conjunction with your life insurance and will, your prearranged funeral contract protects your family from inflation AND they will be secure in knowing that you have spared them added stress, worry, and expense by thoughtfully providing advance funding and guidance. 

Call today to meet with a Pre-Planning Advisor and receive your complimentary Personal Planning Guide. 

ABOUT NEORA EHT® SUPPLEMENT
Mind Enhancement Formula

2/21/17

Throughout our lives, we work hard to fight off the effects of aging, both physically and mentally. But one of the most important elements that make us who we are is one that we cannot see: our brain.

Just as we try to protect our bodies from the inevitable signs of aging, our minds need just as much TLC.

EHT® Supplement is a groundbreaking product that includes our exclusive and patented EHT molecule. The formula is further fortified with other key ingredients such as vitamins B6, B12, D3, magnesium citrate, selenium, Huperzine A and alpha lipoic acid.

This breakthrough supplement features the patented EHT molecule, which helps keep neuronal connections strong, resulting in improved brain wellness, memory and a focused mind (1). Nerium has exclusive rights to the use of the EHT module.  Source: Signum’s R&D Experimental Biology Conference (1)

This supplement:

• Promotes better cognitive function and overall brain health

• Combats oxidative stress and chronic inflammation

• Fortifies and strengthens natural brain functions

• Protects and supports neuronal networking

• Enhances the body’s natural energy stores

• Boosts the body’s immune system

• Increases focus

We recommend taking one tablet per day with foods that contain healthy fats such as nuts, avocados and yogurt. These foods will aid in the absorption of the powerful vitamins and minerals found in EHT.

With daily use of Nerium EHT, you may begin to notice results within the first 30 days.

For best results, be sure EHT is part of your daily regimen for at least 90 days and beyond so that you can discover all its amazing benefits.  And remember, a healthy body deserves a healthy mind!

Click Here for more information on EHT® and how to order. 

30 day money back guarantee. 

Angela Bohnsack
Neora Brand Partner
763-614-0546
angbn13@gmail.com
www.angb.neora.com

Easy Meals For Seniors to Make On Their Own
Article by The Goodman Group
www.thegoodmangroup.com

11/30/16

Nutrition plays a major role in keeping seniors healthy and maintaining or improving overall well being. A healthy diet can guard against numerous health challenges such as osteoporosis, high blood pressure, and heart disease. By following a few simple guidelines, there’s an endless variety of easy and nutritious meals that seniors can make on their own.

According to the National Institutes of Health (NIH), seniors will do best by choosing foods, which are high in nutrients (lean protein, complex carbohydrates, healthy fats, vitamins, and minerals) and low in calories.  Your options include: 

• Lean poultry and meat
• Seafood
• Eggs, beans, and nuts (preferably unsalted)
• Whole grains
• Low- or non-fat dairy (milk, yogurt, kefir)
• Vegetables
• Fruits

Other tips include:

• Prepare meatless entrees (use plant-based options)
• Use whole wheat pasta
• Try ancient grains, quinoa, faro, barley, etc.
• Use lower sodium broth for soups
• Use fresh herbs whenever possible

What you don’t eat is just as important as what you do. It’s a good idea to limit or avoid foods that don’t provide much nutrition but add a lot of calories. Often that’s snack or dessert foods such as chips, soda, cookies, cakes, and pies. Try to avoid saturated and trans fats, use salt sparingly, and limit alcohol.

Here are some ideas for putting together easy, nutritious meals. Mix and match, and add your own twists for variety!

Breakfast

• Scrambled eggs (or egg whites if you’re watching your cholesterol) with diced onions, mushrooms, or chives.
• Fruit, such as sliced apple or pineapple, orange or grapefruit sections, grapes, or melon balls. A dollop of yogurt (don't forget greek yogurt!) adds freshness and zest.
• Whole grain toast. Try apple butter, naturally sweetened jam, or a drizzle of honey instead of butter!

Lunch

• Homemade tuna salad. Try using canola mayo and adding pine nuts or chopped cashews for added texture. Add curry seasoning for extra flavor. Serve as an open-faced sandwich or as a salad.
• Green leafy salad with your favorite vegetables: tomatoes, cucumbers, scallions, olives, and avocado.
• Homemade soup. Start with vegetarian or chicken stock, then add your favorite vegetables and seasonings. Potatoes add a nice thickening texture, and squash or fresh corn add a sweetening factor. Best if made the day before, but a large batch can be frozen into individual portions for anytime use.

Dinner

• Baked or broiled chicken breast (skin removed) or fish fillet (tilapia, salmon, and tuna are delicious choices). Season with a squeeze of lemon and herbs such as rosemary or thyme.
• Potato, yam, or squash — baked or broiled with the poultry or fish. Baking them together in tinfoil will preserve the flavors and speed the cooking time.
• Steamed vegetables such as broccoli, carrots, cauliflower, asparagus, beets, spinach, or kale. Choose different combinations for variety and rounded nutrition.

Helpful Resources

The USDA recently replaced the old “food pyramid” with “MyPlate,” which illustrates how important it is to have balanced nutrition. The website provides excellent information and tips on maintaining optimal nutrition for the whole family. The government website MedlinePlus has many resources for seniors, as well.

Bon appétit!

Link to article

What is FIT Functional Fitness®?
Article by The Goodman Group
www.thegoodmangroup.com

10/21/16

Developed in partnership with a board certified exercise physiologist, FIT Functional Fitness® is designed to go beyond typical senior fitness programs to help improve residents’ core strength, balance, cardiovascular health, and promote relaxation. The targeted exercises are created to deliver the maximum benefit for each participant. The goal is to increase overall health and wellbeing, reduce potential for falls and encourage residents to remain active. Where possible, the program can reduce the need for assistive mobility devices.

FIT Functional Fitness® incorporates four fitness programs, taking current health levels into consideration and allowing all residents to participate, no matter their current functional fitness level. As their strength and endurance increases, residents may choose to progress to the other programs offered.

FIT to be Strong® – The core of the FIT Functional Fitness® program, FIT to be Strong® incorporates strength building exercises both seated and lying down, and balance exercises while standing.

FIT to Stretch® – Stretching exercises aimed at decreasing pain and improving range of motion, while promoting relaxation.

FIT to Pedal® – Endurance based exercise where participants use a stationary pedaler.

FIT to Balance® – A progressive program designed to enhance the time individuals spend on their feet, improving endurance and balance skills. Participants can work their way up to having more balance confidence, which equates to fewer falls and increased independence.

Katie Westberg, National Director of Life Enrichment for The Goodman Group, walks you through the elements within the FIT Functional Fitness® program.   Click Here to watch a short video. 

Take Control of Your Junk with the KonMari Method
Article by Junk360
www.junk-360.com

9/20/16

If you’re like most of us, the combination of overwhelming amounts of junk and a lack of time. The KonMari Method, made famous by Marie Kondo, highlights the importance of eliminating the things that don’t “spark joy” in our lives. Inspired by this method, we created these steps for you to regain control over your belongings and to increase your free time:

Figure out how you spend your day. Take a notebook and, for 24 hours, list out what you do. Write down the time you wake up, the time you have breakfast, when you’re at work, etc. Then, add up related items to determine how much time you spend on each activity. If you really want to get a good grasp of your time, do this twice: once on a work day, and again on your day off.

Determine how you use your items. Another valuable tool is writing down a list of the things that you use on a daily basis. This could include your frying pan, car keys, your dog’s water bowl, etc. The list you created from the above bullet point will help guide you through your day and, therefore, help you understand which of your items are the most frequently used.

     Cut out the things that don’t “spark joy”. A problem that a lot of people have is doing things and keeping items without good reason. Marie Kondo is a huge advocate of taking a step back and determining if something actually makes you happy – or “sparks joy” – or if you ignore or use out of habit. Life is too short for wasting your time on things that don’t improve your mood.

Get help removing these items from your life. After all this talk about how time is precious, doesn’t it make sense to hire professionals to haul away the junk? That’s where we come in. We’re experts at clearing out your space in a fraction of the time and we also know how to dispose of junk in an environmentally friendly way.

If you’re ready to tackle your junk and make some serious changes, give us a call! We’ve cleaned up hoarder homes, helped people downsized, and are committed to showing you how to reclaim your space and “spark joy” in your life. 

Age is Just a Number...With a Little Help

Article by Deb Taylor
 CEO of Senior Community Services
www.seniorcommunity.org

8/16/16

The so-called Golden Years can be a rich time of life to enjoy. Here's the opportunity to truly enjoy the benefits of free time and your lifetime of accumulated experiences and skills: to pursue a new hobby, take a class, visit loved ones or volunteer to help others.

Studies show that older adults are happier, more content, and more forgiving. The later years represent a special time that we can't afford to waste.  With it, of course, comes the inevitable aches and pains, some reduced mobility, and other physical and mental diminutions of body that vary widely from person to person.

But with a little support, older adults can enjoy life more fully and safely in ways not available to previous generations - thanks to assistive technology.

Getting 'Smart' About Senior Care

Today, 'smart' home sensors, necklace pendants and cameras help caregivers and seniors better enjoy life. High-tech medication dispensers can report to a family member if a loved one forgets to take their medications. Shoes can be GPS-equipped to help locate a wandering senior with dementia. Motion sensors can detect changes in the normal household routine that may indicate a problem. These tools help older adults live and move about more safely, summoning help when there's an urgent need for support.

Senior Community Services, which helps Minnesotans Reimagine Aging, will hold a statewide Independent Living Technology Conference on October 14 from 1 p.m. until 5 p.m. at the Minnetonka Community Center in Minnetonka. Caregivers, seniors, city officials, health professionals and others will gather to discover the latest advancements in assistive technology to enhance life for the state's growing population of older adults.

U.S. Senator Al Franken will welcome attendees with video comments. The keynote address, about innovations in senior housing, will be presented by John Louiselle, CEO of NextDoor Housing. NextDoor has developed a new, portable senior housing option - Drop Housing™. 

The Drop Housing™ - often called the 'Granny Pod' - is a small, handicapped-accessible unit (30' by 8', 210-240 square feet) that may be located on a family member's residential property. The units offer security, convenience and enhanced well-being for both seniors and family caregivers. A 'Granny Pod' will be available for touring at the conference. An engaging panel discussion and Q & A will focus on the benefit of these units which are being carefully studied and evaluated by communities throughout Minnesota.

Other conference events include:

The demonstration of many innovative assistive products by representatives of the Minnesota STAR Program, a federally-funded initiative to support seniors and families.

The popular CareNextion website will be explained and demonstrated. The free, easy-to-use web tool was developed by Senior Community Services to help families - especially those with members widely dispersed - better manage care and communications about their older loved ones. A caregiving family member will share the many benefits of using CareNextion for managing the care of an older adult.

Information and registration for the Independent Living Technology Conference is available at www.seniorcommunity.org, click on Events.

Assistive technology offers ways to help seniors age in place and delay the need for long-term care in a more structured - and often more costly - institutional setting.

As Minnesotans come together to Reimagine Aging, let's ensure our goal is to make technology fit the older adult lifestyle, and not the other way around.‎

Deb Taylor is CEO of Senior Community Services (www.seniorcommunity.org) and its Reimagine Aging Institute, a nonprofit that advocates for older adults and helps seniors and caregivers maintain their independence through free or low-cost services.

Don't Wait To Get Sick To Get Healthy
Article submitted by Angela Bohnsack
Neora Brand Partner

7/25/16

A healthy lifestyle is an important part of the aging process.  Eating well and staying active is vital.  So is taking care of the ONE organ that controls EVERYTHING!  When your brain is unhealthy—for whatever reason— you are more likely to be sadder, sicker, poorer, and less successful. There are many causes and behaviors that can lead to an unhealthy brain. These include, but are not limited to:

• Brain injuries such as concussion

• Excessive alcohol use

• Illicit drug use – including marijuana even if it is legal in some places!

• Obesity

• Medical problems like diabetes, high blood pressure and untreated sleep apnea

• Mold toxicity

• Infections such as Lyme disease

• Carbon monoxide poisoning

• A chronically poor diet filled with processed foods, sugar and unhealthy fats.

If your brain is troubled, don’t despair!  EHT® Mind Enhancement Supplement can help!  It is never too late to have a better brain.   EHT® comes after 20 years research from Dr. Jeffry Stock's labs at Princeton University and Signam Biosciences.  EHT® protects & stabilizes tau protein & PP2A ensuring the PP2A is in a balanced state providing neuroprotection. EHT® works by helping neurons, the "wiring" of our brain, maintain an optimal, functional state.

EHT® Age-Defying Supplement helps protect against mental decline with a groundbreaking formula that includes our exclusive, patented EHT® extract, a natural mixture of bioactive molecules isolated from coffee.  Fortified with other rejuvenating ingredients, including vitamins B6, B12, D3, folic acid, magnesium citrate, selenium, Huperzine A (which increases focus) and the antioxidant lipoic acid. 

This supplement:

• Promotes better cognitive function and overall brain health

• Combats oxidative stress and chronic inflammation

• Fortifies and strengthens natural brain functions

• Protects and supports neuronal networking

• Enhances the body’s natural energy stores

• Boosts the body’s immune system

• Increases focus

Click Here for more information on EHT® and how to order. 

30 day money back guarantee. 

Angela Bohnsack
Nerium International Brand Partner
763-614-0546
angbn13@gmail.com
www.angb.neora.com

Healthy Sources:

Eating Well

Exercise and Fitness As you Age

Dr. Amen’s Brain Fit Life - Try a Free Brain Health Assessment‎

Summer Cleaning: 4 Areas to Remember
Article submitted by Shaun Riffe, Owner of

7/07/16

It’s officially summer so, of course, we at Junk360 have summer cleaning recommendations for you. This time, we’re tackling outdoor household cleaning projects that you probably can’t do during any other season. All you have to do is focus on these 4 areas:

Trashcans. Let’s get the hardest part out of the way first. Trashcans quickly become dirty and can lead to flies finding them a suitable home for their squirmy larvae. Not only will scrubbing out your trashcan help to prevent this, but you won’t have to hold your breath every time that you open it. In this case, a liquid toilet bowl cleaner and toilet bowl brush are your best friends.

Window Exteriors. You might clean the inside of your windows on a regular basis, but how often do you get around to the outside? If you have a hose connected to your house, the process is actually quite easy. A simple mixture of dish detergent and white vinegar will have the glass sparkling.

Driveway Stains. Your driveway deals with a lot of traffic (terrible pun intended). There are plenty of opportunities for cars, lawnmowers, and snow blowers to leak various fluids onto it. Oil, transmission fluid, and gasoline all require different cleaning methods, so identifying the stain is the first step. Once you do that, take a look at these recommendations.

Patio Furniture. Maybe you forgot to cover it over the winter. Maybe the family dog decided to claim a lawn chair as its own. Or maybe you have no idea what happened. Either way, it’s easier to enjoy your time outside if you get rid of whatever mold, mildew, or general grime is on your furniture. Bleach is your best option, but remember to move your furniture off of the grass before you get started.

Summer is in full swing, so make sure you’re ready for it! Our team at Junk360 wants you to enjoy the warm weather, so remember to take safety precautions when working outside. Staying hydrated and dressing properly are our two biggest tips (you can tell from our stylish Junk360 hats)!

Junk360 will pick up, remove, haul away, and recycle almost anything you can fit in our trucks. Just point to the items you need removed and watch us carry it out, load it in our trucks to haul away, and sweep up for you so that everything is as fresh and clean as a new space. We can help with just one item or an office/home full of unwanted junk. Junk360 also specializes in estate and home clearance. And at the end of the day, we ensure that everything that can be repurposed is donated, recycled or reused to ensure we reduce our impact on local landfills. Call 651-395-8659 or visit our website for a free estimate. 

Shaun Riffe
Owner, Junk360, LLC.
www.junk-360.com 

From 1 – 10 How Important Is Your Independence...10?
Article submitted by Beth Woodward of

6/13/16

Address: 14500 Regent Lane
Burnsville, MN 55306
Tel: 952-898-1910
Website: http://www.augustanaregent.com/

How Are You Doing In This Emotional Time?

5/18/16

Local Businessman Awarded Special Reverse Mortgage Designation

Jeff Flanery
Cambria Mortgage
                                           (952) 486-6114

4/27/16

NEW Report Shows Care Contributors Sacrifice Personal Care to
Support People with Alzheimer’s Disease

The Alzheimer’s Association is the world’s leading voluntary health organization in Alzheimer's care, support and research. Our mission is to eliminate Alzheimer’s through the advancement of research; to provide and enhance care and support for all affected; and to reduce the risk of dementia through the promotion of brain health. Visit  alz.org/mnnd or call the 24/7 Helpline 800.272.3900 for support.

PDF REPORT - Alzheimer's Statistics Minnesota Statesheet

Government Offers Tax Breaks For Long-Term Care Planners

Article by Deb Newman, CLU, ChFC, LTCP
Newman Long Term Care

Mary T. Making A Difference!

Senior Living Transitions & Phone Freedom

Article by Jeff Swenson

I Should Have Been More Prepared
Article by Beth Woodward
Augustana Regent at Burnsville
 

Counseling Tips For Untreated Hearing Loss
Article Submitted by:
Cindy Reimann
Beltone Hearing Care Center

Hearing is a sense that many of us take for granted. Throughout our lives, we subject our ears to loud sounds–music, power tools, lawn mowers, air travel–without using ear protection. Regrettably, this can cause hearing loss. Also, the natural aging process generally results in hearing loss. Even certain illnesses and medications can adversely affect our hearing. Unfortunately, hearing loss that occurs from such causes is permanent.

The good news is, even if you already have a little hearing loss, it's never too late to preserve your hearing for the years ahead. The first thing you can do is protect your ears in noisy environments. Also, avoid using cotton swabs to clean your ears. And, make it a priority to get a baseline hearing screening to see if hearing loss has already occurred.

If hearing loss is found during your hearing evaluation, it could be due to excess ear wax or infection. This type of hearing loss is reversible. If hearing loss stems from chronic exposure to loud noise, aging, or certain illnesses and medications, hearing aids are the best way to preserve your good hearing.

The great news about today's hearing aids is how small and easy to wear they are. Modern digital hearing aids use super-tiny microprocessor technology–making them virtually invisible when worn. Hearing aids can help almost all degrees of hearing loss–from a little to a lot. And, by stimulating your brain with sound that might not otherwise reach it, hearing aids help keep your brain active, which lowers your risk for cognitive diseases, such as dementia.

If you suspect you may have hearing loss, don't ignore it. Neglecting a hearing loss can have a snowball effect–making it grow bigger, faster than necessary.

Here are 10 ways you can limit hearing damage and preserve good hearing:

1. Understand the sound levels of the noises in your environment.
    

2. Learn about proper ear protection. There are many kinds on the market today, ranging from custom ear molds to foam plugs and more.
    

3. Put physical distance between you and loud noise when it is present. If possible, stand at an angle from the noise, not directly in front of it.
    

4. Take breaks when you are exposed to noise.
    

5. When listening to music through headphones or earbuds, keep the volume low-to-medium.
    

6. Know the signs of hearing loss, and measure yourself against them.
    

7. Schedule a baseline hearing evaluation. Hearing loss is on the rise among Baby Boomers and young people. It's never too early to get your hearing checked, but don't wait past age 50.
    

8. Have your hearing evaluated by a professional licensed by your state.
    

9. If you have hearing loss caused by a reversible condition, take steps to correct it.
    

10. If any permanent hearing loss is diagnosed, choose hearing aids to slow it down, and preserve good hearing.

If you or someone you love would like a FREE hearing evaluation contact Beltone Hearing Care Center at 1-844-664-3277.  

_____________________________________________________

Article by Cindy Reimann
Beltone Hearing Care Center
844-664-3277

A hearing loss doesn’t have to slow you down or keep you from enjoying the things you like to do. Beltone’s advanced hearing instruments have helped people just like you get back into a healthy, active and fulfilling lifestyle. Don’t wait, call today for a FREE hearing test! Toll free: 1-844-664-3277. Home visits are available upon request.

Knowing When to Get Help
By Keith Dahlen

For most of us independence and privacy is an important condition for a comfortable life. We each have our habits and methods of doing things, and life has a rhythm that just “fits” our personalities. But as people age and physical changes occur, we may find ourselves or loved ones dealing with those changes ineffectively. Sooner or later the question starts ringing in our heads, “When should I look for help?”

 But then we think, “Oh, I don’t need help. I don’t want to be a burden to anyone.” or “I can’t tell Mom what to do – she’d never listen to me, anyway.”  Or “Dad would never accept help, he’s too proud.” or “It’s not time yet, let’s wait”.  And so we wait and do what we can ourselves, all the while still wondering, “When should I look for help?”

 The good news is we don’t have to guess. There are some common indicators that help us tell when it’s time to get some help. We don’t have to wait for a crisis situation to throw everyone into a panic. If fact, the goal should be to avoid the crisis, for everyone’s benefit.

 Here are some indicators to consider…

• Physical Condition:  Have you or your loved one been diagnosed with a medical condition that affects their daily living?  For example, dressing, grooming, shaving, toileting, eating. 

• Personal Care: Are baths/showers being taken regularly? Is there any body odor? Are teeth and hair brushed and washed regularly? Are incontinence products worn if necessary and changed regularly and correctly?

• Driving: Has driving become difficult, uncertain or scary? Have reflexes and decision making slowed? Have new dings, dents or scratches appeared on vehicles?

• Nutrition:  Is your or your loved one’s weight stable? Are you/they eating regularly and nutritiously? Is the refrigerator properly stocked with a variety of foods? Does all the food have current expiration dates? Is there spoiled food in the refrigerator or on the counters?

• Household Tasks: Are household chores being done regularly? For example, dusting, laundry, vacuuming.  Are bed linens changed regularly? Have household chores become frustrating, physically demanding, or time consuming? 

• Socialization: Do you or your loved one have moods of loneliness, despair, depression, frustration, irritability, or anxiety? Is there fear or insecurity about going out of the house?

• Mental Health:  Are there memory lapses?  Is there difficulty finding the right words? Is there inconsistency between words and action? Is anxiety or moodiness evident?

• Medication: Are medications being taken regularly and on time? Are medications being refilled on schedule? Does the senior understand what the medications are being taken for?

• Finances, Mail, Paperwork:  Is the senior having difficulty managing their checkbook, finances, bills and personal affairs? Are there past due notices arriving? Is mail piling up? Is there a reasonable amount of cash on hand? Are important documents or similar items like purses, wallets and keys being misplaced frequently or for long periods of time? Are they appearing in unusual places?

• Safety, Security and Sanitation:  Are appliances being left on such as the stove or coffee pot? Does the senior fall asleep with cigarettes burning? Is the house allowed to get too hot or too cold? Is the house always unlocked? Has the senior fallen in the past 6 months? Have there been multiple falls? Is there clutter on the floor? Is trash piling up in or around the house? Are toilets functioning properly? Is pet debris evident?

Family members often see the changes in the way a senior moves, acts, thinks, and responds to situations around them but dismiss them until one of two things happen. Either the family begins to spend so much time helping the senior themselves that they have little time for their own responsibilities or the senior experiences a physical or medical crisis. Both of these result in undue stress for the family and the senior. If you have a concern with even one set of indicators, it’s time to acknowledge it, learn more about what is causing it and what options are available to overcome it. Speak openly, calmly, and honestly about the issue and the type of assistance needed to overcome it. Frequently, simple changes can make a big improvement. We encourage you to be proactive and avoid a crisis situation that throws everyone into an emotional reaction. Calm, rational transitions are easier on everyone than stressful ones.

Finally, keep your efforts as informal as possible. Rather than going through the house like an inspector with a checklist, make your observations through normal, casual interaction. Make a mental note when you see things that are of concern. Keep conversation non-threatening and cooperative. Make every effort to respect the senior’s wishes while assisting with their needs.  

_____________________________________________________

Article by Keith Dahlen of Great Oak Senior Care
651-212-4101 - www.GreatOakSeniorCare.com
Great Oak Senior Care is the perfect solution for seniors and others in need who aren’t ready to leave their home for an institutional setting, but because of illness or chronic conditions need support to remain at home. We improve your life by providing compassionate, one-on-one care in the comfort of your own home. Our personalized and affordable services are available 7 days a week and can range from a few hours a day to 24/7 live-in care.

Transitional Care - From Hospital to Home
By Sharon A. Johnson, MA, LNHA

Before Sylvia had knee replacement surgery, she selected Interlude Restorative Suites in Fridley for transitional care. "The whole environment felt good. The staff was friendly and supportive, which helped me focus on my important rehabilitation goals. It felt more home-like rather than something institutional."

A Transitional Care Unit is a skilled care facility where patients come for recovery and rehabilitation after surgery or an illness. The patient is admitted to the TCU (stays vary from days to weeks) to recuperate, heal, and gain strength so they're ready to resume their normal lifestyle once home. Patients who go directly home from the hospital may suffer a setback, which can result in costly rehospitalization.

 The state-of-the-art rehabilitation facility helps guests enhance:

• Strength and stamina

• Flexibility and coordination

• Balance and movement

• Thinking, speaking and swallowing

• Personal care and hygiene

At Interlude Restorative Suites, the skilled staff helped Sylvia heal and grow stronger. The focus is on efficient, effective rehabilitation so the guest can return home as quickly as possible. But quality food and restorative rest aid in healing so these are priorities as well. Interlude is a quiet place and offers a more relaxed environment for recovery. Staff communicate via radio and earpieces so there are no noisy overhead pages. And there are fewer intrusions while the guests are resting.

The TCU Evolution

Typically, transitional care facilities are located in skilled care nursing homes. Now, TCUs are being built adjacent to hospitals and as free-standing facilities, with the majority of guests able to return home.

The Therapy Gym is a featured part of the TCU for strengthening and conditioning. Therapy is offered  seven days a week, helping to reduce the overall length of the TCU stay. Here's a sampling of what you'll find in the Therapy Gym:·     

• The AlterG, a gravity-defying treadmill that removes up to 80 percent of the guest's body weight burden to ease stress on joints, enhance strengthening, and reduce recovery time;

• Game Ready. Ice is a powerful tool for managing pain. The Game Ready system combines cold with compression to reduce swelling, minimize pain and speed and enhance the body’s natural healing abilities;

• 92 degree Aquatic Therapy Pool includes an underwater treadmill with a camera system for gait analysis and training. Exercising in the water allows movement of joints without the complications of gravity;

• NeuroCom Balance Master – assessment and retraining of the sensory and voluntary motor control of balance;

• Bariatric Therapy equipment includes treatment tables, NuSteps, and parallel bars, sized for guests up to 600 pounds. A ceiling lift system helps ensure the safe movement of patients and the protection of staff;

TCU's address the three major goals of national healthcare policy: to reduce costs while enhancing medical outcomes and patient satisfaction. Significantly, the TCU helps reduce the number of rehospitalizations, which account for one in six Medicare hospitalization dollars spent. Healthcare payers, including Medicare, often cover a transitional care stay, and costs may vary significantly based upon patient condition and the treatment needed. Check with your insurance company about coverage for your particular needs.

The need for transitional care is growing. As the large baby boom generation ages, perhaps 40 percent of these consumers will require joint replacement surgery. Innovative, transitional care will allow these patients to enjoy a faster, and more certain, return to an active lifestyle.

Sharon A. Johnson is CEO of Interlude Restorative Suites in Fridley, Minnesota. Interlude is a bold collaboration of Allina Health, Benedictine Health System and Presbyterian Homes & Services.

I'll Move When I Sell My House
Article by Beth Woodward
Augustana Regent
952-898-1910
www.augustanaregent.com