Category: Articles

  • Shopping for Home Care

    Remember when you first helped your parents with the holiday decorations? Bringing those boxes of tangled light sets and frosted ornaments down from the attic, you knew something exciting was happening. Those scenes were a preview of family traditions that would be passed on to the generations.

    Shopping for Home CareToday, as Hawai‘i’s aging population grows, many of us carry on these traditions and are the privileged caregivers for our parents.

    Holiday festivities can be challenging, as many need to work and balance family life at the same time, in addition to their caregiver roles.

    “When the decision is finally made to get help, we often see families in a panic, overwhelmed and confused about home care providers,” said Janet Grace, sales and marketing director at Attention Plus Care.

    Exercising due diligence, vetting home care agencies and understanding what resources are available can keep these challenges to a minimum, and improve the quality of life for families. Knowing how to discern what matters in home care agencies can also go a long way toward an effective decision-making process.

    “Asking the right questions when shopping for a service provider is paramount to giving your parents high-quality and safer care,” said Cindy Baker, RN at Attention Plus Care. “When the roles are reversed and the adult children of seniors are tasked to find care, we encourage those involved to ask questions. It’s a good sign.”

    Don’t let first meetings, minimal fees and quick promises of services mislead you. Real life doesn’t operate that way. In a July 13, 2012, study published in the Journal of the American Geriatrics Society, researchers posed as consumers seeking a caregiver for an older adult relative. Surveyed were 180 agencies around the country regarding hiring methods, from screening measures, training and skill competencies assessments to supervision, with the following results:

    • Only 55 percent of agencies did a federal background check
    • Only one-third of agencies said they did drug testing
    • One-third test for caregiver skill competency
    • Supervision ranged from one to weekly, which included home visits, phone calls and caregiver office visits

    Based on just a few results, consumers looking for a home care agency are taking a risk as to whether they will get a trained professional who provides quality care or one with little to no experience and training.

    Taking the proper steps will help keep your holiday traditions memorable and keep the spirit of giving special. No matter what the newness of the season brings, loving our kupuna is the greatest gift of all.

    For more information and details on home care and free community workshops on Aging in Hawai‘i hosted by Attention Plus Care, call 808-440-9372.

    FOUR KEY QUESTIONS TO ASK ARE:

    1. How long has the provider served as a home healthcare agency in Hawai‘i?
    2. Is the provider currently accredited by The Joint Commission? Is there a history of maintaining accreditation?
    3. Is the agency audited by the state Department of Health for proper bonding and insurance requirements under state law?
    4. Are caregivers regularly supervised, monitored to a home healthcare standard audited by a state or federal agency?

    ATTENTION PLUS CARE Accredited by The Joint Commission
    1580 Makaloa St., Ste. #1060, Honolulu, HI 96814
    808-739-2811 | www.attentionplus.com

    Remember when you first helped your parents with the holiday decorations? Bringing those boxes of tangled light sets and frosted ornaments down from the attic, you knew something exciting was happening. Those scenes were a preview of family traditions that would be passed on to the generations. Today, as Hawai‘i’s aging population grows, many of…

  • Leeward Y Offers Something for Every Senior

    Leeward Y Offers Something for Every Senior
    Are you a social butterfly, chess master, water aerobics nut or work-out queen? Health and fun await everyone at the Leeward Y!

    Laughter, potluck snacks, and fresh coffee are the mid-morning, sounds, sights and smells at the YMCA of Honolulu’s Leeward Y Branch, in the heart of Waipahu. Comfortable chairs and tables in the brightly lit community lounge host yummy potlucks, spirited board games, craft activities and friendly socializing. This “reward” time follows senior health and fitness programs, carefully designed for every age and ability. What’s popular? Aerobics in the heated pool are easy on the joints. Zumba Gold and tai chi maintain cardio health and balance. Ai-chi is the best of both worlds — tai chi class in our heated pool!

    Leeward Y Offers Something for Every SeniorSeniors also love our newest classes — MOSSA Group Power™ and Enhanced Fitness.™ These fun, high-energy group exercise classes provide a very efficient workout at every pace and level. Motivated by great music, up-beat instructors and positive physical results, seniors excel in these classes.

    Leeward Y Offers Something for Every SeniorFor those suffering from arthritis, evidencebased Enhanced Fitness is designed to help reduce painful symptoms. Seniors see improved strength, mobility and agility — all while having fun and making new friends. One senior’s physical therapist asked what she was doing. He was amazed at how much flexibility she gained in her spine!

    The Y offers special senior membership rates and financial assistance based on income. Some Medicare plans offer a free Y membership as a benefit. All new memberships include a complete orientation and one free personal guided workout with a trainer. Call for more information.

    Leeward Y Offers Something for Every Senior

     


    YMCA OF HONOLULU, LEEWARD BRANCH
    94-440 Mokuola St., Waipahu, HI 96797
    808-671-6495 | info@ymcahonolulu.org
    www.ymcahonolulu.org

    Laughter, potluck snacks, and fresh coffee are the mid-morning, sounds, sights and smells at the YMCA of Honolulu’s Leeward Y Branch, in the heart of Waipahu. Comfortable chairs and tables in the brightly lit community lounge host yummy potlucks, spirited board games, craft activities and friendly socializing. This “reward” time follows senior health and fitness…

  • Secure the Next Chapter of Your Life

    One challenge to living a good life is learning how to balance the realities of today with what lies ahead — to live in the present while you wisely plan for the future. Since change is always around the corner, you owe it to your future self to consider what you’d like the next chapter of your life to be. Here are four ways to think ahead constructively.

    1. BE INTENTIONAL.

    Take time to visualize and articulate the next phase of your life. Whether your plan includes starting your own business, moving to a new job or new career, dedicating more time to volunteer work or entering into a secure retirement — it’s all good. The more detailed you can be, the better. Empower and motivate yourself by naming your goals and claiming them for yourself. You only have one life, so reach for the experiences that will be most meaningful to you and bring you a sense of fulfillment that money can’t buy.

    2. MAKE SAVING AN ON-GOING PRIORITY.

    When change comes along, it’s easier to take a leap of faith with a financial safety net in place. Regular contributions to savings — bank accounts, certificates of deposit, IRAs and employer-sponsored retirement plans, mutual funds, and stocks and bonds — can help you weather potential financial hiccups or storms that may arise on your way to retirement. Make saving a regular activity and build financial muscle that you can flex in the event of a windfall.

    3. STAY COVERED.

    Insurance is a product we all should have, yet hope we never have to use. Your insurance needs will change over time, making it especially important to review your coverage levels periodically. Homeowner’s, auto and even health insurance are required by law but don’t stop there. Disability and life insurance policies, as well as annuities with a reliable income stream, may give you and your loved ones peace of mind. A will and health directives also help make life easier under difficult circumstances.

    4. ESTABLISH A SOLID PLAN.

    Change can be scary, but it also makes life exciting. Give yourself a better chance of succeeding in the next phase of life by establishing financial guardrails. With a well-defined path for saving and investing, you can meet your personal mission. Work with a qualified financial advisor to create a savings and retirement plan designed to help you reach your goals. Revisit it regularly as you turn the pages in the next important chapter of your life.


    MICHAEL W. K. YEE, CFP
    1585 Kapiolani Blvd., Ste. 1100, Honolulu
    808-952-1222 ext. 1240 | michael.w.yee@ampf.com

    Michael W. K. Yee, CFP®, CFS®, CRPC®, is a Financial Advisor and CERTIFIED FINANCIAL PLANNER practitioner™ with Ameriprise Financial Services Inc. in Honolulu, Hawai‘i. He specializes in fee-based financial planning and asset management strategies and has been in practice for 30 years.
    Ameriprise Financial Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.
    Investment advisory products and services are made available through Ameriprise Financial Services Inc., a registered investment adviser.
    Ameriprise Financial Services Inc. Member FINRA and SIPC.
    ©2015 Ameriprise Financial, Inc. All rights reserved. File # 1306947

    One challenge to living a good life is learning how to balance the realities of today with what lies ahead — to live in the present while you wisely plan for the future. Since change is always around the corner, you owe it to your future self to consider what you’d like the next chapter…

  • I Love New Beginnings!

    I love New Year’s Day. Without Jan. 1, how would we know when to buy a new calendar? Call me old-fashioned, but I tend to look at that fresh new calendar year on paper like a crab leg and prime rib buffet spread out before me.

    I have been having my share of new beginnings during this past year. Mrs. Matthews and I gave up our car. We live in downtown Honolulu for those short trips around town, we can take The Bus. Don’t you love the senior bus pass? Unless somebody is giving you free malasadas every morning, this is the best deal around. The only downside — when the driver looks at your face instead of your pass and says “Get on,” (he already knows you’re a senior).

    Since retiring, I have a lot more time for reading Right now, I’m reading Medicare & You 2016, that 162-page book sent to 50 million Americans. My book club is discussing “Section 11 — Definitions.” I feel compelled to read it since so many trees gave up their lives to make the paper.

    I just learned to use my DVR. It’s like a time machine! If you want to watch a TV show that comes on late at night (anytime after 9pm), just record it and watch it when you want to. Magic.

    More new beginnings on the technology front. On my computer, I used to bookmark CNN, Entertainment Weekly, KHON (of course), Facebook and Yahoo! Now WebMD is at the top of the list.

    Good luck with your new beginnings. I would write more, but the No. 1 to the Kalihi Transit Center just pulled up.


     

    Retired Broadcast Personalities and Journalists Kirk Matthews and Linda Coble speak from the heart on issues concerning boomers and seniors. Post comments for them below.

    I love New Year’s Day. Without Jan. 1, how would we know when to buy a new calendar? Call me old-fashioned, but I tend to look at that fresh new calendar year on paper like a crab leg and prime rib buffet spread out before me. I have been having my share of new beginnings…

  • A Happy Day in the Park

    As my friend and I searched for interesting activities near the blue jungle gym in Ala Moana Beach Park, we spotted a group of women making dance formations and speaking Chinese. Upon closer investigation, we discovered a happy, healthy dance group.

    Judy Wu coordinates and teaches a healthy, happy dance class that meets every week at the Hawaii Chinese Culture & Education Center. When the center is closed, they dance in the park.
    Judy Wu coordinates and teaches a healthy, happy dance class that meets every week at the Hawaii Chinese Culture & Education Center. When the center is closed, they dance in the park.

    Judy Wu, dance class coordinator, along with thirty women and her husband, were gathered in the park for a three-hour-long senior dance class on the grass. The group meets every week at the Hawaii Chinese Culture & Education Center, but the senior center was closed for a state holiday. The focus of this free dance group is exercising and celebrating good health and happiness.

    Judy Wu is the teacher and choreographer for the group. She writes the articles, takes pictures, and says that the class is like a full-time job that she enjoys. Her husband, Steve Wu, is her biggest supporter. He quietly stood on the side, watching his wife teach the other dancers.

    wp7b8c50aa_01_1a

    Judy says, “When we come to the park and dance together, it is as if we are bringing ourselves back to our childhood. The beach park is our stage; there is no pressure because we are doing this for our happiness and health. It is not for show.” Judy gives her students her patience and her heart. The dancers kindly shuffled between being interviewed and dancing.

    Her dancers smile and get in their formations as she runs back to the table to play the next song. They use their hands to make movements, and later in the performance they use Chinese fans. The colorful fans move together gracefully and the group dances as one.

    A regular participant, Kil Dong Koh, joined the dance group because it benefits her physical health. She said, “I have diabetes, so I have to exercise. Dance brings my sugar level down and keeps me slimmer. Ever since I began exercising, my leg cramps have gone away. I also love that this class is free.”

    Judy explained that exercise releases the endorphins that make people happy. She doesn’t advertise, but membership has grown from two to thirty-two a year and a half. “This dance class has become a healthy cycle. I believe that whatever you give is what you will get. I have given these students happiness,” Judy smiled and immediately was off to plan the next dance routine. What a wonderful, happy day in the park!

    As my friend and I searched for interesting activities near the blue jungle gym in Ala Moana Beach Park, we spotted a group of women making dance formations and speaking Chinese. Upon closer investigation, we discovered a happy, healthy dance group. Judy Wu, dance class coordinator, along with thirty women and her husband, were gathered…

  • Lifelong Learning, What’s Stopping You?

    Lifelong Learning, What’s Stopping You?Senior citizens can attend classes on University of Hawaii Manoa campus through the Osher Lifelong Learning Institute. For 10 years OLLI has been offering non-credit, college-level courses and other activities to encourage older individuals to engage their minds, enrich their lives, and serve the community. While the institute primarily serves mature learners aged 50+, the only true requirements for participation are maturity, life experience, and a desire to learn.

    OLLI currently serves nearly one thousand senior learners in their membership program. The fee is $60 per year, which entitles the learner to participate in three college level courses or community projects. Professors and project leaders are all volunteers and subjects center around social sciences: art, science, history and community service.

    OLLI is now enrolling for the spring semester online at: www.osher.socialsciences.hawaii.edu/ or at their office on Manoa campus Krauss Hall, Room 113. The courses are very popular, and there is often a waiting list, so apply early. For further information, call Rebecca Goodman at 808-956-8224.

    Ellen Yasuda, a 79-year-old resident of Waikiki will be signing up online for classes at University of Hawaii Manoa campus
    Ellen Yasuda, a 79-year-old resident of Waikiki will be signing up online for classes at University of Hawaii Manoa campus

    Ellen Yasuda, a 79-year-old resident of The Plaza at Waikiki, shares her UH experience. She retired at age 61 as a claims examiner for Hawaii Medical Service Association. A world traveler, Yasuda has toured most parts of Europe, South America, Japan and China. Ellen has enjoyed taking a variety of classes at UH, such as history of world civilizations, Japanese history, art history, and language courses.

    UH also offers non-credit college courses for a small fee, at the UHM Outreach College website, www.outreach.hawaii.edu/. Seniors and learners of any any age may enroll now for spring semester standard college-level courses. For outreach students, UH issues no college credits and keeps no transcripts. Is there something you always wanted to learn? What’s stopping you?

     

     


    Rebecca Goodman, Osher Lifelong Learning Institute
    (808) 956-8224 | rgoodman@hawaii.edu
    Dr. Patrica Masters, UHM Outreach College
    (808) 956-9317 | pmasters@hawaii.edu

    Senior citizens can attend classes on University of Hawaii Manoa campus through the Osher Lifelong Learning Institute. For 10 years OLLI has been offering non-credit, college-level courses and other activities to encourage older individuals to engage their minds, enrich their lives, and serve the community. While the institute primarily serves mature learners aged 50+, the…

  • The Legacy Relay

    wp7902c58e_01_1aWatching a running relay race is exciting. Running together at full speed and passing the baton to a teammate is thrilling to watch. I would ask you to consider that your estate plan is your relay. The definition of the word relay is “a series of persons relieving one another.” Your baton is your legacy — your intentions and wishes passed on with your material wealth. The passer of the baton must be in sync with the receiver for success. And both the passer and receiver bear responsibility for this transfer. Running together in sync, stride-for-stride is essential and requires planning. This is why including your beneficiaries and fiduciaries in the estate planning process, with clear communication is necessary in the estate planning process. Running in sync together with clear understanding of intentions can make for a successful relay of your legacy.

    If you are considering estate planning in the new year, please resist the urge to ask your attorney to simply set something up to minimize tax and avoid probate. I would ask you to give consideration to your innermost desires, intentions and needs. Go further and ask yourself the reasons underlying your desires, intentions and needs. Then, communicate these intentions to the attorney. This will build the foundation for your estate plan, and pave the way for a clear relay of your desires, intentions and needs so that your beneficiaries and fiduciaries receive your message clearly. Then, they will be more able to honor and respect your choices.


    STEPHEN B. YIM, ATTORNEY AT LAW
    2054 S. Beretania St., Honolulu 96826
    808-524-0251 | stephenyimestateplanning.com

    Watching a running relay race is exciting. Running together at full speed and passing the baton to a teammate is thrilling to watch. I would ask you to consider that your estate plan is your relay. The definition of the word relay is “a series of persons relieving one another.” Your baton is your legacy…

  • A Leeward Legacy

    A Leeward LegacyRosemarie Dungca has been working for the City and County of Honolulu since 1978. In 1983, Whitmore Village asked her to teach hula classes. Her popularity grew and soon was teaching throughout the Leeward area.

    Now seniors from the Mililani, Wahiawa, Pearl City and North Shore areas may learn how to dance hula and play the ‘ukulele. These talented men and women provide community service, which includes entertaining the elderly at care homes, centers, hospitals, shopping centers, as well as public and private events.

    A Leeward Legacy
    Na Leo Nahenahe o Na Ku puna performs a repertoire of multi-cultural hula renditions. The nonprofit promotes longevity through dance, music and exercise.

    Na Leo Nahenahe o Na Kupuna is a nonprofit organization that promotes longevity and encourages members to function as long as they can through dance, music and exercise. Weekly classes are held for beginner, intermediate and advanced levels. Their performances are very entertaining, with costumes as versatile as their songs and repertoire of ethnic hula, with Filipino, Japanese and Chinese renditions. I was very impressed when I watched them dance at the Helemanu Plantation wellness fair. With the holidays in full swing, watch for their performances!


    NA LEO NAHENAHE O NA KUPUNA
    808-625-2849, Pauline Kamisato

    Rosemarie Dungca has been working for the City and County of Honolulu since 1978. In 1983, Whitmore Village asked her to teach hula classes. Her popularity grew and soon was teaching throughout the Leeward area. Now seniors from the Mililani, Wahiawa, Pearl City and North Shore areas may learn how to dance hula and play…

  • Message from The Editor

    The holiday season builds to a high crescendo, ending with fireworks and joyful revelry to usher in a new year. Transition is all around us — closing out accounts and starting new ventures; grieving the loss of loved ones and celebrating the birth of little ones. Whatever develops in our lives, we choose how we react to it — to respond negatively, shrug it off, or get energized. With so many things happening at once, transitions seem harder to manage. We see seniors returning to the God of their youth for comfort.

    The GM photo crew, (L–R) Katherine, Fr. Pat, Fr. Bill, Imelda, Wilson and Brian at the Kauhako crater.
    The GM photo crew, (L–R) Katherine, Fr. Pat, Fr. Bill, Imelda, Wilson and Brian at the Kauhako crater.

    We asked Father Bill Petrie, pastor of St. Damien Church in Kaunakakai Moloka‘i to address transitions and new beginnings. His story takes us to Kalaupapa, where Hansen’s disease patients faced some of the most traumatic transitions in life. Saint Damien and his team were there to help them. Inspired by Damien, Father Bill spent his life helping Hansen’s disease patients in India, with Mother Teresa. His simple plan for new beginnings involves something we don’t often take time for: quiet reflection. It’s a great message for the holidays and the New Year.

    We are very grateful to Wilson Angel’s cousin, Imelda Angel, a nurse who works at the medical clinic at Kalaupapa, and to Father Patrick Killilea, pastor of St. Francis Catholic Church in Kalaupapa, for inviting us to the settlement. Without their kind assistance and long hours ushering us around all the sacred sites, there would be no visual story to show. Father Patrick’s “Paddy Wagon” and Imelda’s truck carried equipment, luggage and the nosey GM crew to places most visitors never see.

    In his photos, GM photographer, Brian Suda, captures the profound spiritual peace and sacredness that comforts your soul when you stand on Kalaupapa ground.

    Our contributors carry the theme of new beginnings through the magazine, with resources and ideas for transitioning and taking the next step on the path of life — ways to enjoy your retirement and give back to your community. We are so grateful for all the talent and resources that come together in this issue. And to you, our readers for your wonderful support and feedback, we send our blessings for a happy, healthy 2016.

    Every Day is Brand New!

    Message from The Editor

    Katherine Kama‘ema‘e Smith, Associate Editor

    Addendum to Oct/Nov issue, Table of Contents pg. 5: The lovely bronze statue in Ala Moana Park that graced our October/November issue, was sculpted by Gary Alsum and dedicated by Honolulu Mayor Jeremy Harris in 2000, to the children of Hawai‘i.

    The holiday season builds to a high crescendo, ending with fireworks and joyful revelry to usher in a new year. Transition is all around us — closing out accounts and starting new ventures; grieving the loss of loved ones and celebrating the birth of little ones. Whatever develops in our lives, we choose how we…

  • Class of ‘69 Begins the ‘Age of Medicare’

    Class of ‘69 Begins the ‘Age of Medicare’
    Roosevelt High School

    If you graduated from high school in 1969, chances are you’re turning 65 in 2016, or you are already there. Congratulations graduate and welcome to the world of Medicare! If you are 65 and eligible, you may choose to graduate from a commercial health insurance plan to Medicare. Just like moving from high school to college or entering the job market, you may need some wise counsel and common sense advice.

    In the Medicare space, your friendly guidance counselor may be a licensed Medicare sales agent, 1-800-Medicare representatives, volunteers at the State Health Insurance Program (SHIP) helpline, or the same old valedictorian “know it all.”

    A big mahalo to Dani Emoto, Andy Nomura and Vincent Yim of the 1969 graduating classes of Kaimuki and Roosevelt High School Reunion Committee for inviting me to hold a Medicare workshop for your classmates. It was a very enjoyable evening. As you and your classmates navigate into the “brave new world” of Medicare, remember that, 10,000 people are turning 65 years old everyday. You are in good company!


    808-543-2073 | getmedicare@aol.com
    www.Get2insurance.com
    Morning Drive With Martha
    A radio program with Martha Khlopin
    KNDI-1270AM: Weekdays, 4:30 am–6 am

    If you graduated from high school in 1969, chances are you’re turning 65 in 2016, or you are already there. Congratulations graduate and welcome to the world of Medicare! If you are 65 and eligible, you may choose to graduate from a commercial health insurance plan to Medicare. Just like moving from high school to…

  • First Things First

    You may have heard the old joke, “where there’s a will… I want to be in it.” That may be true, but effective estate planning covers much more than just “who gets my stuff.” When you sift through your own reasons for doing estate planning, you may find that naming who gets your stuff takes a distant back seat to far more important considerations.

    The primary concern most of us have about our estates is figuring out how to stay in control. Does it really matter who gets your stuff if you don’t get to enjoy it during your lifetime? So the foundation of your estate plan should be making sure that you are in control of your stuff for as long as you are alive and well.

    The next step is identifying and naming your “substitute decision-makers,” who will step in and take care of your stuff if you become incapacitated or die. Naming the right individual will be one of the most important choices you make. These folks will make or break your estate plan.

    Part of staying in control of your stuff involves protecting it from creditors, predators and plain old bad luck. Think of your estate plan as a castle. Imagine a large enclosure surrounded by a moat. In the old days, the moat would be stocked with alligators. With your present-day estate plan, you can stock the moat with a different kind of gators. Litigators are attorneys paid by your insurance company to protect you from people who would like your stuff to be their stuff. Having adequate liability insurance is a critical element of your estate plan.

    The walls of your castle represent various legal structures you can put in place to protect your home, your business, your rental properties and your other assets. The legal structures might include trusts, limited liability companies, corporations, limited partnerships or a combination of entities. You can also consider using a special kind of ownership with your spouse called “tenancy by the entirety.”

    Ultimately, you will want your estate plan to assure that your stuff goes to whom you want, when you want, the way you want, with the lowest overall cost, delay and loss of privacy. You may want to put special restrictions on a gift to one beneficiary without imposing the same restrictions on your other beneficiaries. You might have special assets or special situations (including a special-needs loved one) that require careful planning. The only way to navigate the alternatives is with the help of experienced counsel who can educate you as to the available options, and help you pick the ones that are right for you and your loved ones. Good counsel can help you build the castle that is just right for your situation.


    SCOTT MAKUAKANE, COUNSELOR AT LAW
    Focusing exclusively on estate planning and trust law.
    Watch Scott’s TV show, Malama Kupuna
    Sundays at 8:30 pm on KWHE, Oceanic channel 11
    www.est8planning.com
    O‘ahu: 808-587-8227 | maku@est8planning.com

    You may have heard the old joke, “where there’s a will… I want to be in it.” That may be true, but effective estate planning covers much more than just “who gets my stuff.” When you sift through your own reasons for doing estate planning, you may find that naming who gets your stuff takes…

  • Your Sweet Recipe for Retirement

    Steaming gravy, savory stuffing and sweet potatoes — four types of pie for dessert: pumpkin, apple, sweet potato, and pecan. Every family has its Thanksgiving dinner traditions and recipes to create a perfect holiday meal. If you fail to plan or measure your ingredients, your pie could be a real flop. Planning for your future is the same. Follow this perfect recipe, and you’ll be rewarded with a delightful retirement:

    Start your retirement pie by dropping in some simple information — on our online Retirement Estimator at www.socialsecurity.gov/retire/estimator.html. It uses your past earnings and estimated future earnings to project about how big your pie will be when you retire. Experiment with the recipe; drop in different future earnings and retirement dates until your financial security in retirement is just the way you want it. Next, top it with some savings. Social Security replaces about 40 percent of the average worker’s pre-retirement earnings. Most financial advisors say you will need 70 percent or more to live comfortably. To the Social Security pie, add your savings, investments, plus pensions or retirement accounts you will receive from your employer. Beautiful.

    You like to taste while you bake? It’s easy to set up a secure online my Social Security account at www.socialsecurity.gov/myaccount and check your reported earnings and projected benefit estimates any time you want. When your retirement pie is done, enjoy! You deserve a comfortable retirement. For more sweet retirement recipes, visit www.socialsecurity.gov.


    For questions, online applications and local SSA offices:
    1-800-772-1213 (toll free) | 1-800-325-0778 (TTY)
    www.socialsecurity.gov

    Steaming gravy, savory stuffing and sweet potatoes — four types of pie for dessert: pumpkin, apple, sweet potato, and pecan. Every family has its Thanksgiving dinner traditions and recipes to create a perfect holiday meal. If you fail to plan or measure your ingredients, your pie could be a real flop. Planning for your future…