August – September 2019

August – September 2019

The August-September 2019 Issue shines the spotlight on Breast Cancer awareness, from the cover story about the latest treatment options, clinical trials and the Susan G. Komen Race for the Cure fundraiser, to stories about a cancer survivor who went on to become a star paddler and a group of Maui paddlers who, in their hot pink shirts, gives us all hope. You’ll also find a newly updated resource guide for Senior Savings and much more.

Kick Out Your Freeloading Adult Kid(s)

My office has received an increase in calls from parents, siblings or other relatives trying to kick an adult child out of their house. Often, the caller has already requested that the child leave, only to receive an adamant “no” from the unwelcome person. In one instance, a mother was selling the home that she loved to move into a small, one-bedroom apartment, hoping her son would not be allowed to live there.

Saving for Unfunded Liabilities

For many years, we have heard our federal and state politicians talk about “unfunded liabilities” of the government. An unfunded liability is any liability or expense that does not have sufficient savings or investments set aside to pay for it. The party responsible for paying the unfunded liability pays for it out of current income or savings or by borrowing the funds.
The risk of an unfunded liability is two-fold:

Pay Medicare Supplements With SPIA

With rising health care costs, many Medicare participants use Medicare supplement insurance to help cover expenses that Medicare does not. However, many still struggle to pay the premiums for their Medicare supplement insurance. Surprisingly, another insurance product — one that can guarantee a monthly income stream — might be the solution.

If Your Kids Plan a Later-in-Life Family…

Many couples are choosing to start families later in life compared to their parents and grandparents. And, increasingly, mothers are waiting to have their first child at age 35 or older. This trend has financial implications. On one hand, parents may be more financially secure and have clear priorities for the future. On the other hand, these parents are closer to retirement, so balancing kids’ expenses with saving can be a juggle.

Caregivers: Remember to Breathe

Almost one-third of the adult U.S. population is currently caregivers for an ill or disabled relative. The majority are female and 60 percent are employed part- or full-time. Caregivers need to take time to care of themselves so they stay well enough to care for others. Realize that your own health and well-being could suffer if you don’t take care to be well before tending to others needs.

Begin a Journey of Compassion & Hope

Do you know anyone who has cancer? Do you know what to say or do? We know — and we are bringing that skill set to the workplace. Typically, we all work hard, provide for our families, plan for the future of our children and look forward to retirement someday. However, with one phone call from your doctor, all of that is put on hold, an unplanned journey begins, priorities and perspectives change — and it can all be overwhelming. Compassion for Cancer Caregivers trains volunteers to step up and step in to provide hope through compassion for coworkers and their families who are battling cancer.

A Medicare Miracle

I have spent a decade conducting educational workshops and meeting with individuals transitioning to Medicare or already there. I encourage everyone to explore resources at www.socialsecurity.gov and www.medicare.gov to become knowledgeable before services are needed. I also stress the importance of keeping Medicare cards, medication lists, the names of your physicians and any ongoing health conditions on hand.

Exercise: A Panacea, Pt. 2: Movement/Safety

Although the medical system is driven by pain, preventative approaches are becoming more prevalent. For seniors, it is essential that falls are prevented. Any fall can cause severe damage and breaking a bone (usually the hip or hand/wrist) is quite common. The scary statistic is that one out of every five people will die within one year of breaking their hip.

Are You Aging Too Quickly?

Walk into any gym and you will see it full of baby boomers — those born between 1946 and 1964. The oldest of the baby boomer generation is now 73 and the youngest is 55. But age alone does not define the actual physical condition of a person. There are two ways to age as defined by the Functional Aging Institute:1) Primary Aging and 2) Secondary Aging.

Maui Pink Paddlers Give Us Hope

Hope and togetherness for persons affected by cancer is Mana‘olana Pink Paddlers’ specialty. On Tuesday and Thursday mornings, cancer patients, survivors and supporters pull together, paddling their pink double-hull canoes across the ocean off Kīhei on Maui. Oct. 12 and 13 will be their 10th voyage and overnight on Lāna‘i with The Pacific Cancer Foundation’s Paddle for Life — not a race, but a fun outing

A Paddler First, a Cancer Survivor Twice

Tammy Osurman of West Maui has competed in 10 Nā Wāhine o Ke Kai canoe races — a grueling 42-mile paddle across the treacherous Kaiwi Channel from Moloka‘i to Waikīkī. This “Paddle Bunny” is in the canoe three days a week with the North Shore Renegades. Tammy has paddled in all 10 of the Pacific Cancer Foundation’s Paddle for Life: Voyage to Lāna‘i Events.

FREEDOM: Working in New Ways

For the past few months, I have been introducing you to the concept of working in new ways beyond the old, familiar routine of working a regular, full-time job in an office. Now, many ask how to optimize their independence from the old, familiar world of work. How are they doing good, making money, overcoming feelings of isolation and having a healthy lifestyle? Let’s begin a new journey by addressing freelancing — i.e., working for yourself.

Time to Honor the 100th Battalion

Punchbowl was once used as a lookout for Hawaiian warriors. Now, it’s one of only two national memorial cemeteries in the USA — the other is Arlington, Virginia. It is the final resting place for those that have courageously served in the U.S. Armed Forces. For the 14th year, the 100th Infantry Battalion Club 100 members invite the public to help decorate 1,000 heroes’ graves with flowers Saturday, Sept. 28, from 8 to 11am.