Unless you keep up with critical changes, your estate plan will become ineffective and maybe even become harmful to you and your ‘ohana. What kinds of changes are we talking about?
Professionals in many industries tout their education and professional experience as a way to demonstrate their expertise and set themselves apart. The financial industry is a prime example. With almost 200 professional credentials available, advisors can sharpen their ability to serve clients well. If you are searching for a financial advisor and seeking clarity on what the acronyms after each professional’s name means, here is a primer on eight of the most commonly used designations.
According to the Centers for Medicare and Medicaid, more than 59 million people in the United States have Medicare. That number is expected to grow to close to 80 million by 2030. Currently, people 65 or older and younger people with disabilities who meet all other eligibility requirements may qualify. Therefore, it is important to start becoming familiar with Medicare terms and definitions. Here are a few.
My child who gets Social Security will be attending his last year of high school in the fall. He turns 19 in a few months. Do I need to fill out a form for his benefits to continue? Yes. You should receive a SSA-1372-BK form in the mail about three months before your son’s birthday. Your son needs to complete the form and take it to his school’s office for certification.
Our parents may have had an easier time than many of us do now. When they turned 65 years old, they were eligible for full Social Security retirement benefits and Medicare. Today, depending on the year you were born, your full SS may not take effect until you are 67, so you may continue to work and you’re eligible for Medicare. So what should you do?
Maui Economic Opportunity administers more than 40 programs and provides tools to help people and change lives through five departments: MEO Business Development Center, Community Services, Early Childhood Services, Transportation Services and Youth Services. Services for low-income seniors are at the core of MEO programs, administered through MEO Community Services.
GEMS® is a staging system for dementia. Teepa Snow, OTR and founder of the Positive Approach to Care® philosophy, recreated the Allen Cognitive system of staging dementia with a positive twist. We can now view our Person Living With Dementia as one of Teepa’s GEMS® rather than on a scale of 1 to 7 or on a scale of mild cognitive impairment to profoundly demented.
After gaining years of experience working and caring for the elderly, I can imagine many ways to describe what “aging” means. There are multiple factors that determine if one is considered old. In other words, a high number of years someone has been on this Earth does not define them as being old. In today’s world of medical technology, health products and smarter lifestyles, it may be hard to identify our kūpuna.
As parents age, many adult children step into the role of caregiver. However, for those who live far from their parents, caregiving presents different challenges. Planning, communication and a team approach can significantly improve the process.
When you think of great partnerships, what comes to mind? Abbott and Costello? Sonny and Cher? Cecilio and Kapono? How about your brain and your ears? Your hearing health depends greatly on how well your brain and ears work together. Your brain counts on the ears to collect sounds and deliver them to be interpreted as meaningful information. It is this partnership that enables us to understand and communicate with others.
Renewable cleaning is a smart “Green Cleaning” program that applies to general sanitation but focuses on the use of eco-friendly practices and products to create a healthier home environment. It utilizes safe and friendly natural cleaning products that are non-toxic, biodegradable and sustainable. Water is a key source for renewable cleaning because it is a favorable nonpolluting resource that is readily available.
The reality is most of us sit too much. A study published by Microsoft revealed that U.S. workers spend an average of seven hours per day on a computer — more hours than they sleep at night! Sitting at a desk for hours on end can result in increased muscle tension at the neck, back and shoulders. And if it’s not addressed, over time it can lead to spinal pain, headaches and even more serious symptoms —pain, tingling or numbness down the arms. Here are some tips to help you stay healthy behind your desk:
Last year in the United States, sales of organic food and products topped $48 billion — that’s up almost 10 percent over the previous year, according to the Organic Trade Association. And while this growing industry is showing no signs of stopping, organic farming is hardly a trend; it’s how our parents and grandparents tended to their crops and cattle. Then in the 1950s, pesticides and artificial fertilizers were introduced — creating what is now called “conventionally-grown” food. So what’s the difference and why does it matter?
In July, City Mill Ltd. will celebrate 120 years of business in Honolulu. Their success is grounded in four generations of family wisdom. Our grandparents and parents loved shopping there, and today, we receive that same kindly respect and assistance every time we visit the store. Vice President Carol Ai May and President Steven Ai are the third generation of their family running City Mill. This brother and sister are also part of a group of family caregivers who assist their mother and stepmother, now in their nineties. Their family culture of helping others began in the 1890s.
This is a great appetizer because of its big, two-level crunch — first, the happy pop of the tobikko and then the satisfying crunch of the crostini. It’s perfect for afternoon gatherings with a favorite white wine or beer.
A lot of people, especially those new to the islands, say Hawai‘i doesn’t have seasons, but longtime locals know that’s not true — we have whale season, hurricane season and the most important, mango season! Whether you prefer to eat your mango in bread, jam or just off the tree, come celebrate Hawai‘i’s favorite fruit at Mango Jam Honolulu. It’s a free annual event for the whole family with live entertainment, food and craft booths, cultural activities, a beer garden and a farmers market.
If hula is the heartbeat of the Hawaiian people, then get ready for some cardio, because the 42nd Annual Prince Lot Hula Festival is almost here! Featuring two days of hula, a Hawaiian-themed craft fair, cultural demonstrations and more, the largest non-competitive hula event in Hawai‘i returns for the third year on Saturday and Sunday, July 20 & 21, 2019, at ʻIolani Palace
Growing up in Hawai‘i, I played a ten-hole harmonica by ear, but lost interest because I could only play the same old songs and was not getting any better. As the years sped by and before I found anything interesting to enrich my life, I became a senior facing retirement. Doing nothing was not an option so I began to search for the elusive experience that would bring harmony into my life.
I’ve never been old before so this is a new experience for me. After retiring from a 37-year career, I found myself adrift. What should I do now? The days seemed very long as I pondered what I should fill them with. Life looks very different when you remove yourself from the “working world.” You feel as though you are invisible when you are with other people.
For most mature employed people, work was considered having a job with one or two companies in a working lifetime. Now retired, many may still have debt; few have the savings to take them through their remaining years. Countless mature workers believe that just one more job, perhaps much like the one they just left, is all they need to secure their futures. Unfortunately, those jobs may no longer exist or they may have been completely re-framed so that they are no longer a possibility for most mature workers.
Excerpt from April – May 2019 Issue
It’s Sunday afternoon! “Welcome to ‘Territorial Airwaves,’” echoes the AM940 Hawai‘i announcer, followed by a long steamy blast of a cruise ship’s horn. And then, like a playful ocean breeze, the cadence of Harry B. Soria’s happy voice bids us e komo mai and stay awhile. Gently, he calls us back to simpler days with the hapa-haole and not-so-haole music of old Hawai‘i — passed down in families and among Hawai‘i musicians for a hundred years.
Last school year I fell down half a flight of stairs, bruising my left hip. It was an accident where I was just happy I didn’t break anything. At age 63, I should have been more careful! X-rays indicated the need for a hip replacement but, since I’d been practicing self-care for the past fifteen years by using wellness products, I thought I already had everything needed for my body to heal itself.
The profession of social work’s claim to fame is the theory “Person-in-Environment” or PIE. Not only does the social worker relate and deal with the person but also the environment and relationships he or she lives with; those intimate realities of life that affect the “personhood.”
Let go of the past. You are both the author and central character of your Third Act. Let your imagination wander as you read about new ways people over 50, 60, 70 and beyond are having fun, making money and devoting their creativity and energy to all the areas of their jam-packed lives.
Is your home too large now that the kids are gone? Maybe you have a 3-, 4-, or 5-bedroom home and you’ve realized that your kids aren’t coming back home. Maybe it’s time to downsize to a condo, townhouse or retirement community.
Many agree that those reaching the twilight years would be entitled to coast for the remainder, but the stark reality facing most seniors includes declining health, social and financial challenges, and a feeling of insecurity.
Drawing the human form has been done since early man lived in caves. Today, artists still use bits of charcoal to make marks on a page that transform into a likeness of a person.
A healthy joint is like two smooth pieces of paper sliding against each other. Arthritis, joint damage, is like adding crinkles to the papers, with the friction causing pain and problems. However, in severe cases, and even with bone-on-bone degeneration, having no pain with “activities of daily living” is easily obtainable with a lot of hard work and the right treatments.
Diaphragmatic breathing is beneficial for your physical and mental health as it reduces stress, lowers heart rate and blood pressure. For those with pulmonary disease, such as COPD, the diaphragm often becomes weakened causing it to work less efficiently. A physical therapist experienced in pulmonary rehab can teach proper breathing to reduce anxiety, slow breathing rate, increase full oxygen exchange, and improve physical activity.
As our parents or loved one get older, they may need help or supervision during the day while caregivers are at work, school or other activities. Sending seniors for care during the day may be a difficult decision due to the cost and concern that they may not have “fun” or may be neglected.
Because of the often debilitating nature of heart disease or stroke, the effects of those diseases often impact not just the patient, but family members who are placed in the role as caregivers.
Do you know a Person Living With Dementia (PLWD) who repeatedly asks the same question? Does your loved one obsess about leaving the house so that they can go home? Maybe you know of a grandmother who blames everyone in sight for stealing her items. Challenging behaviors are common among PLWD and care partners are burning out trying to address these problems.
How do family members prepare for the day their senior needs more help? The kind of help that requires loved ones to re-prioritize their lives. If only there were a date set aside for this change in everybody’s life. Planning on change at this level has never been easy because a plan may not be in place.
I’m planning to retire next year. I served in the Navy back in the 1960s and need to make sure I get credit for my military service. What do I need to do?
Most people use new or upgraded versions of cars, phones, appliances and all sorts of gadgets to manage their daily lives. Yet, they seem surprised to learn of a loved one’s, a friend’s or their own need for a medical procedure to maintain or improve functional capabilities. The need for a knee or hip replacement or cataract surgery comes as a shock or a hardship.
To create secure passwords, you generally want to set the minimum password length to at least eight characters, but a minimum length of 14 characters is better.
It’s expensive living in paradise. It’s really expensive aging in paradise. Many seniors have had to resort to relying on the “cash economy” to help them out. “Cash economy” is the term used to refer to hiring or purchasing things“ under the table” or with cash so that there is no paper trail and therefore no taxes have to be paid.
We often struggle with the concepts of equal, equitable, fair, and adequate when it comes to the distribution of our assets among our children. Understanding the meaning of each term helps us make the decision that most closely reflects our intention.
We encounter risk in all facets of our life. Why do we take risk if we have a choice? Simply put: We take on risk in exchange for some kind of return. Generally, the potential for higher returns from investments comes with greater risks.
Receiving an inheritance is like winning the lottery. What could possibly be wrong with that? Callie Rogers, age 16, won $3.1 million in a British lottery. By the age of 22 she was broke, living with her mother, and working three cleaning jobs. William Post won $16.2 million in the Pennsylvania Lottery in 1988…
Searching for warmer weather, moving closer to adult children and grandkids or pursuing a change in scenery are just a few reasons why many Americans choose to move in retirement. These retirees often relocate for emotional reasons, but it’s important to consider the financial impacts, too.
The Plaza at Kaneohe, The Plaza Assisted Living’s sixth location, is undergoing construction with an anticipated opening in Summer 2019. In line with its other locations, The Plaza at Kaneohe embraces the concept of familiar faces in familiar neighborhoods, believing that people want to reside in a community that they grew up in, raised their kids, or where their adult children currently live.
Each year the Honolulu Department of Parks and Recreation is honored to help organize the Mayor’s Memorial Day Ceremony at the National Memorial Cemetery of the Pacific, commonly known as “Punchbowl” or Pūowaina. This year the ceremony marks the 70th year under the tutelage of the City and County of Honolulu, and will be held on Monday, May 27, 2019.
At the start of a new year, many of us make a New Year’s resolution to get healthy. Did you make a resolution to start the year with a “healthy” computer, too? Here are some computer health tips…
It is only by knowing what is going on in our parents’ and grandparents’ lives that we can prevent certain abuses from occurring. Get involved and find out your loved one’s routine. Talk to them. Any deviation from their norm may be a warning sign to you that they are being targeted for a possible scam.
Making an estate plan that clearly documents intention helps surviving family members avoid fighting; especially in court. Yet lawyers will write the estate plan for exactly that purpose — writing as if it were going to be fought over in court. I call this legalese legal dis-ease. Write your intentions down in your own hand-writing for inclusion in your estate plan so that you don’t risk miscommunication or misunderstanding among surviving family members.
We have a right to say “enough is enough” when it comes to medical care, including the use of respirators and tube feeding. We also have the right to name who will speak for us when we cannot speak for ourselves. Having a clear and comprehensive advance health care directive is only way to be sure that your wishes will be known and carried out.
The most important goal for many of my clients is to retire on their terms – which often means planning a long, secure retirement that enables them to check off items on their ultimate bucket list. Retirement requires careful planning in addition to avoiding financial missteps along the way. Here are five common mistakes, and strategies to avoid them…
Long-Term Care Ombudsmen are advocates for residents living in nursing homes, assisted living facilities, adult residential care homes, expanded adult residential care homes and community care foster family homes. We are NOT the state inspectors and do not write deficiencies or issue fines or citations. Our focus has always been on quality of life and quality of care issues — advocating for all our residents so their rights can be honored and protected.
Since 1989, ALU LIKE’s Elderly Services Department, Ke Ola Pono No Nā Kūpuna (KOPP), has provided nutrition and supportive services (recreation, education, promotion of well-being) to independent Native Hawaiians 60 years of age or older on the islands of Hawai‘i, Kaua‘i, Maui, Moloka‘i and O‘ahu. Today, there are 18 site locations statewide.
Lanakila Meals on Wheels, a program of Lanakila Pacific, works with registered dietitians and chefs to ensure their healthy and delicious meals meet or exceed USDA nutrition guidelines while addressing the age-related dietary needs of seniors.
Did you know Medicare coverage includes preventive services? Contact your doctor for more information and to schedule recommended preventive screenings, care, and to participate in educational classes. (Cost sharing and other limitations may apply.)
My Social Security gives you a personal online account you can securely use to check your Social Security information and do business with us. With a my Social Security account you can perform a variety of tasks.
Every 13 seconds, an older adult is seen in an emergency department for a fall-related injury. Lower-body weakness, difficulties with walking and balance, and vision problems can make a person more likely to fall. Other causes include home hazards and clutter. Having a medical alert system can reduce a person’s risk of not being able to receive timely treatment, by obtaining immediate medical assistance in the event of a fall or emergency.
One of the challenges for caregivers of those with Alzheimer’s and other forms of dementia is finding ways to engage their loved one or patient in tasks that strengthen the ability to recall who people are and what their relationship with them is. Dr. Warren Wong, a local geriatrician with decades of experience working with such patients, took on that challenge and has developed a free iPad app to fill that need: MemorC.
The only state veterans home in Hawai‘i, Yukio Okutsu State Veterans Home, celebrated its 10th anniversary of serving veterans from across our nation in 2018. From celebrating our seniors’ accomplishments to bringing the community to our residents, we know the importance of ‘ohana.
Human beings use five ways to take in data: sight, touch, smell, taste and sound. From the time we are born, we prefer to take in data first by what we see, then hear and finally through touch. Vision, our primary source for processing new information, is controlled by an area in the back of our brain called the occipital lobe. Dementia attacks and damages the occipital lobe resulting in skewed vision, poor depth perception and diminished peripheral vision.
At some point we’ve all had times of forgetfulness or misplacing things. Our keys get lost or we draw a blank trying to remember where the car is parked or what we just ate for breakfast. We can usually sort it out and remember things with some time and patience. But when is forgetfulness or memory loss of concern?
Kitchens are awesome places as great food is cooked and eaten there! But they can also be home to dangerous microbes. Did you know that kitchens are more heavily contaminated than bathrooms? Ordinary cleaning practices do little to reduce the microbial load, so kitchen sanitizing is a higher and more frequently needed level of cleanliness.
Regular exercise and physical activity can help to prevent disease, improve mental health, increase energy, reduce the risk of falling and much more. Here’s how!
With a new year comes new goals to better ourselves. Whether you have been exercising for years or are just starting out, be especially careful to avoid injury. Loss of flexibility and of bone and muscle mass increases the risk of injury and slows down recovery.
There are two main classifications of pain: the common type that arises from damaged tissue, and the more exotic kind that comes from damage to the system that reports and interprets damage, the nervous system.
Understanding the two types of pain will help you understand the solutions your physician or pain specialist suggest for easing it.
Stroke remains Hawai‘i’s third leading cause of death and a leading cause of major disability. However, 80 percent of strokes are preventable. And those that do occur, in many cases, are treatable if symptoms are quickly recognized and treatment is quickly sought. Hawai‘i EMS data shows, however, that almost 50 percent of Hawai‘i stroke patients aren’t being delivered to hospitals by EMS ambulances.
Most of life’s memorable experiences are memorable because they’re shared. What if there were an easy way to not only write down your memories for family and friends but to also give them the opportunity to reminisce with you about them? There is! Developed by a team right here in Hawai‘i — led by local entrepreneur Beth N. Carvin — JamBios is an easy-to-use memoir writing platform that lets you write one story at a time while also keeping you organized.
Pickleball combines elements of tennis, badminton, and table tennis and is played either indoors or outdoors on a 20×44-foot court. Players use a paddle, perforated ball similar to a whiffle ball, and a 3-foot-high net. Pickleball can be played as singles or doubles and it’s like playing ping pong on the ground.
My current goal is to help Maui Arts League build a Visual Fine Arts Museum on West Maui — for our children, residents and visitors. My husband and I have always valued art and were inspired by collecting fine art. I believe art makes people happy. What could be better than surrounding yourself with family, good friends, delicious healthy food and beautiful art?
The biggest surprise about retirement is that I am busier now than when I had a regular job. My to-do list seems to get longer every day, even though I know I am continually completing tasks. Keeping busy with meaningful work is good advice to anyone contemplating retirement.
Portfolio workers are the “Jugglers” of multiple opportunities who know a diversified work portfolio increases the probability of realizing financial and personal success, improves their sense of control and boosts feelings of security.
Ageism is discrimination and negative stereotyping on the basis of a person’s age. It permeates the media and everyday conversations to such an extent and in such subtle ways that people may accept negative stereotypes of older adults (“forgetful,” “grouchy,” “less competent”) as truth, unconscious of their bias.
March is National Kidney Month! In celebration, the National Kidney Foundation of Hawai‘i will be hosting its 4th Annual Walk on the Wild Side event on Saturday, March 23, 2019 from 11am to 4pm at Fort Street Mall and Chinatown.
In January 1, 2019, Hawai‘i became just the seventh state in the US to permit medical aid in dying. The Our Care, Our Choice (OCOCA) law allows terminally ill adult patients with capacity to make medical decisions to be prescribed an aid-in-dying medication if all the requirements are met.
Seniors not only have to exercise and stay physically and mentally fit; they also need to make their money last longer. Social Security, regular investments (stocks, mutual funds) and retirement plans (401k, IRA) now have to account for an extended life span.
Since 2017, licensed Hawai‘i cannabis growers have been formulating and dispensing medical products to qualified state-registered patients. A majority of their clients who are benefiting from cannabis treatments are seniors. Maui Grown Therapies dispensary in Kahului has been open over a year. Leading their Science & Medical Advisory Board is Dr. Andrew Weil, director of the University of Arizona Center for Integrated Medicine, an advocate for alternative medicine and an early pioneer in the research of medical cannabis.
With all the natural disasters happening throughout the world, unscrupulous scammers are looking to take advantage of our empathy and generosity as we seek ways to help the victims of those disasters. These scammers will be soliciting donations using telephone messages, emails, and even social networking services like Facebook.
When my father-in-law “Gramps” had a stroke, he spent time at the hospital, rehab, and then a nursing home, before finally being able to return to his house. During those months of recovery away from home, my family made every effort to visit him daily. Between my wife, brother-in-law, mother-in-law and myself, we were pretty successful in making sure he would have the company of a loved one every day.
There is no “good grief” or “bad grief”— there is only grief. Drs. Kenneth Doka and Terry Martin* suggest that there are two types of grievers: “instrumental” and “intuitive.” Neither type is deficient; only different. Understanding the difference can allow family members to empathize with, rather than attribute bad motives to, another family member.
Setting New Year’s resolutions is a tradition for millions of Americans who see January 1 as a fresh start. However, we all know how easy it is to have resolutions fall to the wayside as the year progresses.
Fortunately, if the goal you have in mind is a financial one, there are ways you can break it down into steps that will keep you motivated and on track to achieve it.
Is estate planning really all about “who gets my stuff”? Your assets may be important, but when you sift through the reasons for doing estate planning, you may find that identifying who gets your stuff takes a distant back seat to far more important considerations.
The general enrollment period for Medicare Part B, medical insurance, begins January 1 and runs through March 31. Keep in mind that, although there is no monthly premium for Medicare Part A, there will be a premium for your Medicare Part B. And in most cases, that premium goes up each 12-month period you were eligible for it and elected not to enroll.
In 2019, a new Medicare Advantage Open Enrollment Period, from January 1 to March 31, will begin and is expected to run annually. If you’re enrolled in a Medicare Advantage Plan, you’ll have the opportunity to switch to another Medicare Advantage Plan or to Original Medicare Parts A and B.
Although improved fitness plays a significant role in improving overall health and reducing your risk for disease, Medicare usually does not cover exercise classes or the services of a personal trainer. However, when medically necessary, Medicare Part B may cover occupational and physical therapy, which could include some exercise and fitness training.
Falling isn’t fun for anyone, but as we get older falling can have serious, life-changing effects. These injuries can require skilled nursing care — or worse, falls can be fatal. The good news is that falling can often be prevented.
An unexpected life-changing situation can happen in an instant. One minute you’re at a friend’s home, getting ready to enjoy watching UH football, then you slip and fall, and feel excruciating pain. Hours later, on a trip to the emergency room, you learn that you fractured your hip or, even worse, your spine.
As caregivers we reap the benefits of being of service, in a very personal way sometimes, to those that we love. But as the disease/disorders/illnesses rob our loved ones of the spontaneity, intimacy, and active partnership we once had, it also robs us as the caregivers. Our world changes differently than those that we are caring for.
Today, more seniors are receiving care in their homes for medical conditions. Many receive it following a hospitalization or discharge from a rehabilitation center and have complex needs. Seniors who require them may have difficulties adjusting to their care and can benefit from transitional care during this period.
Appropriate footwear is key to preventing injuries. So, knowing your foot type is crucial when choosing walking or running shoes. To find your best shoe type, stand in front of a mirror in bare feet and shift your weight, observing your inner arch.
When speaking with your doctor about pain, be ready to answer a few important questions. To make the best of your visit, and have time for your own questions, note down the following…
Fascia is the collagenous soft connective tissue that binds all of your body’s other structures. Defined as the largest organ system of the body in 2012 by the Federative Committee on Anatomic Terminology, it is now the most studied tissue in human movement science. Here is what current research is learning about this amazing tissue that, like the mesh on a garden hose, needs to withstand pressure from the inside (by exerting pressure itself) and also stay flexible.
Our daily lives are filled with so many distractions that it’s easy to feel scattered and stressed. When you are chronically stressed it becomes harder to function properly, increasing your stress even more and often inviting disease. To help manage their stress, many people have turned to yoga and mind-body training because its healthy effects on body and mind are now widely recognized.
With the holidays and the spirit of the season upon us, our energies turn toward the festivities with our friends and families. What better opportunity for us to shine the spotlight on our kūpuna than by tapping into their vast knowledge of life, wisdom and memories? A fun way to do this is through a day of “Life Stories,” where all the generations get together and share their fondest memories.
There is no perfect time to discuss end-of-life care. Most seniors would prefer to age in place at home, as independently as possible. But too few take the time to discuss their preferences with their family, leaving family caregivers
stressed and scrambling. The most important thing any family can do to prepare for a loved one to live at home is to talk about it today.