Category: August – September 2013

Spouses Have a Significant Benefit

Social Security can be an important financial asset for married couples when the time comes to apply for retirement benefits. In many cases, one spouse may have earned significantly more than the other, or have worked for a longer span of time. Or it could be that one spouse stayed home to raise the children or care for elderly family members while the other focused on a career.

Regardless of your situation, Social Security will look at all possibilities to make sure both spouses receive the maximum benefit possible.

Even if you have not paid Social Security taxes, it’s likely you’ll be eligible to receive benefits on your spouse’s record. If you did work and pay into Social Security, we will check eligibility based on your work record and your spouse’s to see which amount is higher.

You can apply for spouses benefits the same way that you apply for benefits on your own record. You can apply for reduced benefits as early as age 62, or for 100 percent of your full retirement benefits at your “full retirement age.” You can find your full retirement age, based on your birth year, at www.socialsecurity.gov/pubs/ageincrease.htm.

The benefit amount you can receive as a spouse, if you have reached your full retirement age, can be as much as one half of your spouse’s full benefit. If you opt for early retirement, your benefit may be as little as a third of your spouse’s full benefit amount.

If your spouse has already reached full retirement age but continues to work, your spouse can apply for retirement benefits and request to have the payments suspended until as late as age 70. This would allow the worker to earn delayed retirement credits that will mean higher payments later, but would allow you to receive your spouse’s benefit.

You can also apply for spouse benefits based on the earnings record of an ex-spouse or deceased spouse if you were married for at least 10 years. Spouses can consider a number of options and variables. We make it easier to navigate them. A good place to start is by visiting our benefits planner at www.socialsecurity.gov/planners. Take note of the “Benefits As A Spouse” section.

If you are ready to apply for benefits, the fastest, easiest and most convenient way is to apply online. You can do so at www.socialsecurity.gov/applyonline.

Whether you receive benefits on a spouse’s record or your own, rest assured we will make sure you get the highest benefit we can pay you. Learn more at www.socialsecurity.gov.

For other information and locations near you:

www.socialsecurity.gov
1-800-772-1213 (toll free) | 1-800-325-0778 (TTY)

Social Security can be an important financial asset for married couples when the time comes to apply for retirement benefits. In many cases, one spouse may have earned significantly more than the other, or have worked for a longer span of time. Or it could be that one spouse stayed home to raise the children…
What’s So Good About Growing Older?

Dr. Lucy Miller and William Neil Rapozo, Sr. of Kauai County

John McGuire and Betty Chieko Goya of Honolulu County

As part of Older Americans Month in May, the Hawai’I State Executive Office on Aging and the Policy Advisory Board for Elder Affairs joined the Area Agencies on Aging and Gov. Abercrombie in recognizing eight outstanding senior citizen volunteers from each of the four counties. The 2013 honorees are: Dr. Lucy Miller and William Neil Rapozo, Sr. Of Kauai County; Betty Chieko Goya and John McGuire of Honolulu County; and Diane Logsdon and Richard Endsley of Maui County; Shirley Ito and Peter Hoffmann of Hawai’i County. These outstanding kupuna represent the thousands of seniors who contribute to the wellness and quality of life of their communities.

Every year, eight kupuna — one male and one female from each county — are selected as Older American volunteer honorees for the exemplary work they do to aid and support their individual communities. Each of the honorees personifies the contributions Older Americans continue to make well into retirement as productive, active, and influential members of society. This year the honorees were recognized by the Governor in Older American Month events in each county.

“We celebrate Older Americans Month each year to recognize the vitality of older adults and their outstanding contributions to our communities,” Gov. Abercrombie said. “Each of the 2013 Older Americans Month Award honorees from across our state embodies this year’s national Older Americans Month theme, ‘Unleash the Power of Age!’ Kupuna are taking on new roles in retirement. The people of Hawai’i appreciate and thank them for their continuing service.”

Richard Endsley and Diane Logsdon of Maui County

Peter Hoffmann and Shirley Ito of Hawai’i County

As part of Older Americans Month in May, the Hawai’I State Executive Office on Aging and the Policy Advisory Board for Elder Affairs joined the Area Agencies on Aging and Gov. Abercrombie in recognizing eight outstanding senior citizen volunteers from each of the four counties. The 2013 honorees are: Dr. Lucy Miller and William Neil…
International Adventure

Mrs. Matthews and I just returned from a trip to Europe. We went to Lisbon, Portugal for a Rotary International Convention and then to Munich, Germany to visit with friends.

The thrill of international travel can often be marred by the fact of international travel. Plane delays, for example, often derail plans and force travelers into unexpected circumstances. But here’s something we noticed — senior travelers seem to cope the best. Why is that? Often, I think, each new thing that happens to us is considered an adventure. Seniors have had many ‘adventures’ during their lives and that makes it easier to look at the next ‘inconvenience’ as just yet another turn in the road.

There were families with toddlers who also managed to cope — but overall, coping is easier when you don’t have little ones. (On the flight from Munich to San Francisco, there was a toddler who could be the next opera star. He yelled and hollered for 10 hours straight. Try that, Michael Buble!)

The downside to traveling as a senior is that your pill, lotion, ointment, remedy, soothing oils bag may not fit in the overhead bin. Get used to it. It’s not likely to stop there.

In Portugal and Germany, there were crowded town squares where people from all generations gathered. Seniors were treated with respect, given the right-of-way when they needed it, doors opened for them, they were allowed to move to the front of the line when it appeared they were weakening. We were, in many cases, in tourist destinations and yet the courtesy on the part of residents was extended to visitors and neighbors alike.

The message here … don’t be afraid to travel for the adventure, for the learning, for the experience if you are a senior. In most cases, you will be treated with style and grace by the people whose country you are visiting.

The Elderhood Project airs on KHON2 Friday morning news at 5:45 a.m. and Thursday news at 5 p.m.

Mrs. Matthews and I just returned from a trip to Europe. We went to Lisbon, Portugal for a Rotary International Convention and then to Munich, Germany to visit with friends. The thrill of international travel can often be marred by the fact of international travel. Plane delays, for example, often derail plans and force travelers…
Message from The Editor – August / September 2013

Wow, where has the time gone! Generations Magazine is entering its 4th year of being Hawai‘i’s “Resource for Life.” We strive to educate and inform families and our senior community on a wide range of topics, from health and active living to caregiving and scam alerts… and much more!

Heading into another year of publishing, the magazine and its business partners will continue to provide resourceful and current information. For example, this issue’s Resource Guide is a new “Speakers Bureau” list. The guide lists trusted resources of Generations Magazine that are available for presentations to senior clubs, church groups and other organizations. There is no charge, sales or solicitations by our participating speakers. Please contact anyone listed for more information or to schedule an appointment.

As the magazine continues to grow, we’re always looking to work with like-minded businesses and organizations. Our newest partner is physical therapist Julie Moon, who has Honolulu’s only heated endless pool to get you back on your feet and moving. We also welcome Cardon Outreach, a Medicare and Medicaid provider of services.

On a more serious note, we all need to protect ourselves against fraud, theft, stolen identity and other crimes. To help, the magazine has solicited the expertise of Scott Spallina of the Elder Abuse Justice Unit in the Prosecuting Attorney’s Office. For this month’s article, Sweetheart Swindles, turn to page 35.

Also, we will again be distributed at the annual Hawaii Seniors’ Fair Good Life Expo on Sept. 27– 29 at the Blaisdell Exhibition Hall. With more than 300 vendors, this three day event provides an array of services, programs, educational workshops and additional support for Hawai‘i seniors. Al Harrington, who is on the cover of this month’s issue, is the event’s ambassador. Al believes that regardless of age, there is always room for personal growth. We all need to be proactive and look for ways to improve our lives, and, as I always say, “Live Well!”

Happy Nationnal Grandparents Day
to my parents who are proud grandparents of fourteen grandchildren and four great-grandchildren.

As we celebrate aging in Hawai‘i, we cannot forget all the wonderful volunteers who assist in so many senior programs throughout the Islands. In this issue we highlight the 2013 Older Americans Month Honorees who were recognized by local agencies and Gov. Abercrombie. To view this year’s eight recipients, turn to page 12.

And, to top it off, please join us in celebrating National Grandparents Day on September 8th.

Live Well,

Percy Ihara, Editor/Publisher

Wow, where has the time gone! Generations Magazine is entering its 4th year of being Hawai‘i’s “Resource for Life.” We strive to educate and inform families and our senior community on a wide range of topics, from health and active living to caregiving and scam alerts… and much more! Heading into another year of publishing,…
Treating Shoulder Pain

What causes constant shoulder pain?

First off, seniors don’t have to live with pain. There are ways to treat your symptoms. Shoulder injuries are common and typically result from overuse, improper training and repetitive arm motions. The pain is often while participating in sports or during everyday activities like lifting grocery bags, or putting dishes away.

Pain results from a swollen tendon most commonly localized to the front or side of the shoulder, and down the side of the upper arm.

When should you seek professional treatment?

Acute (temporary) injuries may last up to two weeks. You should stretch, ice the area for approximately 10 to 15 minutes, and if approved by your physician, take an over-the-counter, non-steroidal, anti-inflammatory medication. If your symptoms persist or worsen, seek professional advice from a qualified physical therapist who specializes in shoulder injuries.

It is important to receive a medical assessment to diagnose shoulder impingement conditions, such as severe tendinitis, calcific tendinitis, acromial bone spurs and adhesive capsulitis (aka frozen shoulder). Proper diagnosis is key to recovery.

Seek out a physical therapist who works extensively with seniors and who uses a “hands on” approach. He/she should manually treat all injuries, perform mobilizations to the muscles and joints, and build individualized strengthening exercises to achieve maximal results.

Free 15 minute injury screening and/or phone consultation:
Yoshimoto Physical Therapy (Honolulu)
600 Kapiolani Blvd., Suite 208 at 525-5300
1029 Kapahulu Ave., Suite 401 at 218-7888
www.yoshimotophysicaltherapy.com

What causes constant shoulder pain? First off, seniors don’t have to live with pain. There are ways to treat your symptoms. Shoulder injuries are common and typically result from overuse, improper training and repetitive arm motions. The pain is often while participating in sports or during everyday activities like lifting grocery bags, or putting dishes…
Medicares’ National Mail-Order Program

On July 1, 2013, Medicare was scheduled to implement a national mail-order program for diabetic testing supplies. The program was designed to offer patients quality supplies at a discounted rate. Rather than having an approved amount of $78 for 100 test strips and lancets, Medicare’s approved amount is around $22 — and your co-pay will go from $15 to under $5. In order to save money under this program, you’ll need to use a Medicare national mail-order contract supplier. The national mail-order program includes all 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam and American Samoa.

Who are the mail-order contract suppliers?

For a list of contract suppliers, visit Medicare.gov/supplier. Enter your zip code, select “Mail-Order Diabetic Supplies” and hit the search button. You can also obtain a list of contract suppliers by calling 1-800-MEDICARE (1-800-633-4227). If your current supplier is not included in the list, you will have to select a new contract supplier for Medicare to help pay for diabetic testing supplies that you have delivered to your home.

How else can I get supplies?

If you don’t want diabetic testing supplies delivered to your home, you can go to any local store enrolled with Medicare and buy them there. You can receive the same savings by purchasing diabetic testing supplies in the store as you would by having them delivered to your home — as long as the store accepts assignment, which means they accept the Medicare-approved amount as payment in full. If the store does not accept assignment, they can charge you more. So it’s important to check with the store about assignment if you want to take advantage of the new prices.

Questions?

Medicare has resources to help you understand the new program, including Medicare.gov and 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048. You can also call your local State Health Insurance Assistance Program (SHIP). In Hawai‘i, this is the Sage PLUS Program and we can be reached at 1-888-875-9229.

This program applies to people with Original/ Traditional Medicare. If you’re in a Medicare Advantage Plan (Akamai Advantage, AlohaCare, Humana, Kaiser Sr. Advantage, Ohana Healthplan or UnitedHealthcare Medicare Complete), your plan will notify you if your supplier is changing. If you have a retirement health plan and are not sure, please call the Hawai‘i SHIP/Sage PLUS Program or your retirement administrator for more information.

The Hawai‘i SHIP/Sage PLUS Program is a volunteer based, federally-funded, Medicare counseling program. And provides individual counseling and community presentations.

On July 1, 2013, Medicare was scheduled to implement a national mail-order program for diabetic testing supplies. The program was designed to offer patients quality supplies at a discounted rate. Rather than having an approved amount of $78 for 100 test strips and lancets, Medicare’s approved amount is around $22 — and your co-pay will…
My Take on Things: What’s All the Racket?

Two and a half hours, and three sets later, a group of “50 plus” women enjoy beautiful weather at Wentworth Tennis Courts in Pearl Harbor. The youngest is 52 and the oldest will turn 80 in August. All appreciate a challenging game of tennis as you can hear laughter, applause, “good shot” and “great get” from two courts of women’s doubles. Some of us have had meniscus, knee and shoulder surgery, but that doesn’t stop us from playing our hearts out.

These “young-at-heart” women play two or three times a week. They start their first set by drawing playing cards and the two matching cards are partners. Luckily, I drew the same card as my sister, a “junior” player at age 56 and a retired teacher. More sets are played as ladies change partners and opponents.

Lee Bassett, the “senior” player learned to play tennis in 8th grade in New York; and after raising her children, got back into it at age 35. She says, “I’ve got the old-ladies shot down!”— just after she hit a lovely drop shot winner. Luckily she was my partner!

All these women have played in leagues and loved the sport for countless years. No one goes out to break a record…or themselves. There are never losers…only winners and runner-ups having a fun time together. And that’s the point: fun.

So nowadays, no matter how old you are or what your body feels like, that shouldn’t stop you from doing what you love. You just simply need to adjust and do it…for fun!

R2: Connie, Sharon, Helen and Lee, R1: Sherry, Ellen, Cathy and

Two and a half hours, and three sets later, a group of “50 plus” women enjoy beautiful weather at Wentworth Tennis Courts in Pearl Harbor. The youngest is 52 and the oldest will turn 80 in August. All appreciate a challenging game of tennis as you can hear laughter, applause, “good shot” and “great get”…
Choosing a Physical Therapist

As the most vital member of your own health care team, it’s important for you to know how to choose the right physical therapist who can maximize your healthcare dollars.

Tips for choosing a physical therapist:

Freedom to Choose: You are not obligated to accept the therapist your physician recommends. Explore your options to ensure that you receive a great rehab experience.

Personal Therapist: Do not settle for anything less than a licensed therapist who specializes in the kind of care you need. Your therapist should be empathetic, understanding, encouraging and challenging. S/he should work one-on-one with you to develop an individualized program. Look for a physical therapist who utilizes manual therapy, a specialized field that uses hands-on techniques for faster recovery.

Clinical Setting: Bigger isn’t always better; individualized care is. No two facilities are the same, so evaluate the facility to see whether it has the equipment you need, such as a therapy pool, weight equipment or gait and balance equipment.

Consistency: While no clinic can guarantee that you’ll have the same therapist 100 percent of the time, it should strive for continuity of care. No one is more vested in your recovery than you. Expect value for services rendered. If the therapist is not providing hands-on care, you may not be receiving the best care possible. So seek out a stand-out physical therapist who goes above and beyond on your behalf.

Moon Physical Therapy, LLC
“Therapy that achieves RESULTS”
320 Ward Avenue, Suite 107; Honolulu, HI 96814
808-597-1005 | www.moonpt.com

As the most vital member of your own health care team, it’s important for you to know how to choose the right physical therapist who can maximize your healthcare dollars. Tips for choosing a physical therapist: Freedom to Choose: You are not obligated to accept the therapist your physician recommends. Explore your options to ensure…
Sweetheart Swindles

An elderly man was in the gym working out with his trainer when they saw an attractive young woman enter the workout area and begin to exercise. The older man asked his trainer what machine he should use to impress the young woman. The trainer replied he should use the ATM machine in the lobby.

This joke highlights two reasons why scams are often targeted against the elderly. First, seniors have more money and assets than any other segment in our community. And second, seniors are (or perceived to be) lonely, oftentimes surviving their spouse of many years. It is for these two reasons that the Elder Abuse Unit, as well as the Honolulu Police Department, has seen an increase in the crimes known as Sweetheart Swindles.

Although this scam takes on several distinct forms, the scam artist finds a lonely senior, makes promises of companionship, and convinces him/her to give/loan the scam artist large sums of money or property.

How do scam artists find lonely seniors? Very easily. If you Google “senior dating,” you will find 160 million websites in less than a second. As seniors become more comfortable with using the computer, they get exposed to websites that promise that companionship is at the tip of their fingers.

Sally (alias), thought lightning struck twice in her life when she met “Sam,” a man who had the same values and beliefs she shared with her deceased husband. She “met” Sam on a well known dating site when he replied to her profile and sent her pictures he claimed to be of himself. The emails quickly became telephone calls filled with words of romance and security. However, they could not begin their fairytale romance until he completed some business he was conducting in London. Sam shared that his financial trouble relating to his business was the only thing preventing him from flying to Hawai‘i and sweeping her off her feet. Once Sally offered to help, she began a journey that would result in her losing $160,000, by wiring money overseas as a loan to help Sam. With her money gone, so was Sam.

Unfortunately, the police were not able to retrieve the money lost by Sally, but they have been able to recover moneys taken in other Sweetheart Swindles that have occurred in Hawai‘i. This only happens, however, when the crime is reported, which, given the humiliation and betrayal felt by victims of this scam, is not very often. If you suspect you are being targeted in this type of scam or have any questions relating to elder abuse in general, please contact us.

To Report Suspected Elder Abuse, call:

Adult Protective Services
808.832.5115
ElderAbuse@honolulu.gov
or visit www.ElderJusticeHonolulu.com.

All reports are confidential.

An elderly man was in the gym working out with his trainer when they saw an attractive young woman enter the workout area and begin to exercise. The older man asked his trainer what machine he should use to impress the young woman. The trainer replied he should use the ATM machine in the lobby.…
They Are Out to Get You!

There are several scams targeting our kupuna that you need to know about.

Scam 1: The first is a nationwide scheme where new real estate owners and individuals who have recently transferred their homes into their revocable living trusts receive letters from a company calling itself “Property Transfer Services.” The letters warn the recipients of the importance of having copies of deeds to their real estate, and they give the recipients a deadline to send in $83 for a copy of their deeds. The letters are official-looking enough to fool people into spending money on documents that they can get for free or for far less than $83.

If you receive one of these letters, you can safely ignore it. Nothing bad will happen to you or your home if you do not send in the $83. What Property Transfer Services is doing is not necessarily illegal, but it has deceived some people thinking they had to get a check in the mail right away.

Scam 2: A second scam comes in the form of an email from the IRS telling you need to contact them in order to claim a refund that you are due. What the sender of the message really wants is information about you so he or she can rip you off. First of all, the IRS never emails. They always snail mail. If you receive an email from somebody claiming to be from the IRS, you can safely ignore it.

Scam 3: A third scam involves somebody calling you on the phone telling you it’s time to update your estate planning documents, and trying to get you to make an appointment to meet with someone from their organization. Best, is to hang up and then call your own estate planning attorney. Find out whether the call came from that office. You will probably find that it did not. Periodically updating your estate plan is a good idea, but it should be by your chosen advisors, and not by somebody who may not be looking out for your best interests. Your estate plan involves a lot of confidential and sensitive information that you don’t want it to fall into the wrong hands.

Beware of anyone asking you questions of a personal nature unless you know exactly who they are and why they need the information. Better to be safe than sorry. If you are contacted by a stranger asking nosy questions, hang up and call your own trusted advisors. You can also contact your local office of consumer protection. In Hawaii, the URL for the State Office of Consumer Protection is http://cca.hawaii.gov/ocp/, and the phone number is 808-587-4272. Be careful out there!

Scott Makuakane, Attorney at Law
Specializing in estate planning and trust law.

Scott’s TV’s show on KWHE, Oceanic channel 11: Malama Kupuna airs Sundays at 8:30pm

www.est8planning.com
O‘ahu: 808-587-8227, Maui: 808-891-8881
Email: maku@est8planning.com

There are several scams targeting our kupuna that you need to know about. Scam 1: The first is a nationwide scheme where new real estate owners and individuals who have recently transferred their homes into their revocable living trusts receive letters from a company calling itself “Property Transfer Services.” The letters warn the recipients of…
What’s So Good About Growing Older?

So, the editor of Generations Magazine calls me and says, “Frank, let’s do another column for the magazine. We loved having your thoughts in the magazine, so please … hana hou!” Then the editor came back and said, “But this time, Frank, write about getting older and staying fit … snicker, snicker.”

In my mind, fitness is like saving money. For example, if you had the presence of mind while you were in your “stupid” years to put money in that piggy bank, then you’ve probably been pretty good with money during your lifetime and now enjoy some level of financial security. Now, apply this concept to fitness. The more you put into your “fitness piggy bank” over the years, the more you’ll get back in return during your “enlightened” years. Ah, but there’s a caveat … I know people who live on the edge, from paycheck to paycheck, and are the happiest guys I know. And, I also know people who have a lot of money and are miserable! Because wherever you are right now, there you are! There’s no right or wrong in this matter …

Tango And Spice — Oil on Canvas
Frank B. Shaner

This column is not meant to judge your financial or physical wellbeing. It’s only here to point out the oddities and the triumphs in life, plus the flaws inherent to the human spirit and psyche. Mahatma Gandhi once said, “You may never know what results come of your actions, but if you do nothing, there will be no results.” This quote is obviously open to interpretation, but perhaps you can use it as inspiration to do

things that will change your life — and the life of others — for the better. Give as much as you want, uplift as many as you can, and strive for the highest spiritual, emotional and physical well being possible. See how far you can go, and then see what happens …

It’s really not very complicated. This vessel (body) that was given to us is a remarkable, fine-tuned instrument. Say for example that you play a guitar, and you love that instrument because it gives you joy and freedom. It brings out emotions deep within your soul; it brings fourth creativity you didn’t realize you had. In other words, it enhances your well being. So naturally, you’d take good care of it. Shouldn’t we do the same with the beautiful bodies we travel in? Shouldn’t we keep them tuned so that they will continue to serve us as we move through this life? Of course! And it doesn’t take much. The body needs to move, stretch and be challenged. We live in an extraordinary place. The climate is perfect for outdoor activity, so let’s embrace it as much as we can. So, I say (in least judgmental way possible), get off your ass and move that mass! Put on some walking shoes and dance in the grass. Get outdoors! Your body will love you for it … it’s never too late!

Join in a conversation with Frank B. Shaner on Facebook and experience his art online at www.frankbshaner.com.

So, the editor of Generations Magazine calls me and says, “Frank, let’s do another column for the magazine. We loved having your thoughts in the magazine, so please … hana hou!” Then the editor came back and said, “But this time, Frank, write about getting older and staying fit … snicker, snicker.” In my mind,…
AARP Hawai’i: Life Reimagined

After the kids were grown, Rhee, a career pharmacist turned fulltime mother, weighed second-career options. She thought of teaching or returning to a pharmacy, but memories of her church’s baking class brought back fond childhood memories of afternoon tea and pastries.

Today, a little more than two years after launching her small business venture — Mama Nita Scones — she has grown from selling scones at farmers’ markets to being a sought-after pastry company that fulfills online catering and gift-box orders.

“As a pharmacist I had to be very exact about filling prescriptions, so that attention to detail probably carried over to my baking,” Rhee says.

At age 50, Rhee did what thousands of Hawaii baby boomers have done or are considering doing — pursuing new passions in adulthood. Many people redirect their lives after major turning points, such as parenthood, retirement or care for elderly parents.

AARP has launched an initiative called Life Reimagined to help older adults unlock their dreams and navigate new life stages. Life Reimagined offers flexible online and offline programs, experiences, resources and services. www.lifereimagined.aarp.org.

AARP has also created Life Reimagined for Work to help experienced workers achieve their employment goals. It’s a social network- based jobs program, connecting workers (with 20-plus years of career experience) with employers who seek qualified workers for more satisfying work and entrepreneurial opportunities. www.workreimagined.aarp.org.

As for Rhee, she’s looking at new ventures such as creating wedding favors and setting up a scone factory. While expanding is one option, she says firmly that, “making money is not the sole purpose of my business … I have a mission.” She dreams of training people in underdeveloped countries about her business model so they can sustain themselves. Recently, a church member approached her about training women in Thailand to bake scones for coffee shops.

Anita’s eyes twinkle at the prospect of doing good work and using local fruits to develop new flavors. Up every morning from 4 a.m., she’s baking her way toward her dreams one scone at a time. For a closer look at what she’s doing in the kitchen, visit www.mamanitascones.com.

Contact AARP Hawai‘i for more information:
State Office: 808-545-6024 | Toll-Free: 866-295-7282
hiaarp@aarp.org | www.aarp.org/states/hi

After the kids were grown, Rhee, a career pharmacist turned fulltime mother, weighed second-career options. She thought of teaching or returning to a pharmacy, but memories of her church’s baking class brought back fond childhood memories of afternoon tea and pastries. Today, a little more than two years after launching her small business venture —…