Category: Dec 2017 – January 2018

  • A New Style of Caregiving

    The term “millennial” typically evokes certain images in our minds. Born between 1985 and 2004, millennials have been labeled the “Me Generation,” “Me, Me, Me Generation,” “Peter Pan Generation” and “Boomerang Generation.” These are far from complimentary.

    Aside from reflecting re-verse ageism, such stereotypes divert attention from this generation’s unique potential for kūpuna care. Millennials differ from Generation X (born 1965–1984), baby boomers (born 1946–1964) and the Silent Generation (born 1925–1945).All generations differ from one other, stamped by the particular historical, social and cultural environments that characterized their formative years. Rather than belittle the traits specific to millennials, how can we take these traits into account to customize eldercare recruitment and training efforts and capitalize on the singular strengths of this generation?

    According to the 2013 Millennial Impact Report, 73 percent of millennials engaged in volunteer work in 2012. Many millennials work in programs for older adults. Some examples:

    • They teach English to older immigrants and help them access health services as part of Project SHINE at Temple University.
    • They provide appropriate home modifications in the Home Safety for Seniors Program, operated by the ManaTEEN Club in Bradenton, Fl.
    • They do yard work and household repairs for the Our Folks Program in Groundwork Hudson Valley, New York.
    • They provide companionship for older adults and respite for family caregivers as part of the Time Out Respite program at Temple University.
    • They help elderly with low vision by shopping for and reading to them in the VISIONS Intergenerational Program in Selis Manor, New York.
    • They instruct older adults on the use of technology in The Gerontechnology Program at Pace University, New York.

    Of all age groups, millennials have been the one most studied. To effectively recruit millennial volunteers and optimize their work with older adults, what characteristics (of theirs) should agencies and organizations keep in mind? Millennials are:

    Multi-taskers. They’re able to juggle many responsibilities at once but can be easily distracted. Their jobs should entail a variety of experiences and tasks; a supervisor should also set explicit daily and weekly goals to keep them on task.

    Tech-savvy and connected to social media. Keep your website and social media, such as Facebook and Twitter, up-to-date and easily accessible. Avoid appearing archaic, which is a real turn-off for this generation. Use their technological skills to keep your organization in-the-know, and allow millennial volunteers freedom and opportunities to identify new, unanticipated technological contributions to the group.

    Interested in work balance and flex schedules. It may be necessary to rethink traditional volunteer roles to accommodate such preferences, perhaps offering “short stints” or micro-ways of initial involvement that are time-limited, then offering a continuum of levels of involvement as they become more invested in their work.

    Support causes, rather than organizations. The work should inspire them to continue. Frequent reinforcement of the relevance and impact of their contributions is essential. Research indicates that support for a given cause is the main reason millennials volunteer, followed by desire to connect with like-minded peers and develop skills and knowledge relevant to future career development.

    The term “millennial” typically evokes certain images in our minds. Born between 1985 and 2004, millennials have been labeled the “Me Generation,” “Me, Me, Me Generation,” “Peter Pan Generation” and “Boomerang Generation.” These are far from complimentary. Aside from reflecting re-verse ageism, such stereotypes divert attention from this generation’s unique potential for kūpuna care. Millennials…

  • Go with Your Gut

    The World Health Organization (WHO) has identified mental wellness issues — stress, depression and anxiety — as the leading causes of a “global health burden.” Could it be that, for the past century, we’ve had the mistaken notion that these problems are all in our head, when in reality they are largely in our gut?

    Did you know that we have two brains? You undoubtedly know about the brain in your head. And while you might not know much about the “second brain” in your gut, you’ve probably “felt” it before. We feel “butterflies” in our stomach when we fall in love or when we’re nervous. We have a “gut feeling” about decisions that we’re wrestling with. Our stomach “growls” when we’re hungry, and we feel “sick to our stomach” when we’re stressed out. Many of us also know that when our gut feels off we simply don’t feel our best.

    Our two brains also “talk” to each other through a complex network of nerves, cells and biochemicals. Only within the last few years have scientists and health experts begun learning the importance of microbiome balance in regulating not just our gastrointestinal functions, but also our mood, mental focus and emotional well-being.

    The discovery of the gut-brain axis and the explosion of research around the microbiome — the 100 trillion bacteria that live in our gastrointestinal tract — is causing a fundamental shift in how we think about (and improve) both mental wellness and physical health. For example, some recent scientific research demonstrates that gut bacteria influence everything from neurotransmitters (depression/anxiety), gut integrity (regularity), immune function (colds/flu/allergies), inflammation (pain, heart health, dementia), and even gene expression (related to a variety of degenerative diseases, including Alzheimer’s and even cancer).

    Unfortunately, so much of today’s modern lifestyle can disrupt the microbiome and lead to imbalances across the gut-brain axis, causing us to feel fatigued, depressed and stressed. Research has shown that the microbiome can become disrupted by the aging process, but it may also show that we can use nutrients (specific combinations of probiotics, prebiotics and phytobiotics) to rebalance the microbiome and optimize gut-brain axis function for improved mood, reduced depression, lessened anxiety, and enhanced stress resilience.

    Many people have long known that gut health is important for overall wellness, and now modern science and innovative companies are backing up why feeding the gut with the right foods can help each of us feel happier and healthier.


    AMARE GLOBALl
    Lori Makiya, Wellness Partner
    808-285-9620  |  amaretogether@gmail.com
    www.lovingyourgut.com

    Visit online to learn more about how to optimize the mind-gut connection and for information on Amare Global’s FREE information sessions with Dr. Shawn Talbott in Honolulu on Saturday, February 9, 2019. Contact Lori Makiya (above) for registration and location details.

    Editor’s note: Before trying any dietary supplements, we encourage you to
    do research and consult your doctor before taking them.

    The World Health Organization (WHO) has identified mental wellness issues — stress, depression and anxiety — as the leading causes of a “global health burden.” Could it be that, for the past century, we’ve had the mistaken notion that these problems are all in our head, when in reality they are largely in our gut?

  • Five Views on Caregiving

    Five Views on Caregiving

    Aging with dignity is a major public health issue for the state of Hawai‘i. People of all ages work with and advocate for the elderly by providing educational resources for families and brainstorming private and public health solutions for the growing needs of kūpuna. All generations offer experience and expertise.

    By 2029, over 70 million baby boomers in the United States will be over 65. The fastest-growing demographic is seniors over 85, numbering over 40,000 in Hawai‘i.

    The blessing of longevity has two downsides: Declining health and mobility, and eventual dependence on caregivers.

    Greatest Generation members, born before the great crash of 1929, lived through the Great Depression and World War II and are now in their late 80s to mid-90s. They had to be frugal, and they treasured work. They fought and volunteered for freedom, cared for elders with respect, attended school, learned a trade and respected authority. They also saw the arrival of Model T autos, jazz and aircraft.

    Members of the Silent Generation were born between 1925 and 1945. Some fought in WWII and the Korean Conflict. They adopted the traditions and work ethic of their parents and kept their feelings to themselves. They enjoyed a robust post-WWII economy and a high school education. Many attended college on the GI Bill. They watched the rise of communism and shaped 20th-century pop culture, rock ‘n’ roll, TV and mainstream media.

    After WWII, over 76 million baby boomers were born between 1946 and 1964. They are the wealthiest, healthiest and best-educated generation yet. As “hippie” teens, they protested against the traditional values of their parents. Their midlife “yuppie” lifestyle was adopted globally. They became experts in their fields. Cold War nuclear “detente” and recessions led them to distrust big government. They are deep thinkers, optimistic and respond to civic calls for action.

    Children of baby boomers are Generation X and millennials. Generation X, born between 1965 to 1984. learned early independence as latchkey kids of working parents. Rocked by divorce and economic downturns, Gen X-ers are pragmatic, problem-solvers who adapt well to change. Technologically adept, they learn by discussion and case study. They value experience over wealth and tend to be skeptical. Generation X is less motivated than boomers to make a difference or to leave a legacy.

    Millennials, born from 1985 to 2004, outnumber boomers in the U.S. workforce. They have more college degrees than any other generation; they smoke less and tend to count on friends and public welfare in tough times. They learn by trial, error and collaboration. They carry college and lifestyle debts, frequently change jobs, save less and own fewer assets than previous generations. They marry late and anticipate six decades in the workforce.

    We bring you the wisdom and advice of five notable persons who have laid the foundation for eldercare and public policy for aging issues in Hawai‘i. Collectively, their ages span almost eight decades, but each has a different perspective and approach to meeting the needs of the elderly; their approaches are related to the generation into which they were born. All are “paying it forward” so that we all may age well, with dignity.

    Anthony “Tony” Lenzer is a member of the Greatest Generation and a paragon of hard work. Besides HPGS, he serves on the boards of several aging advocacy groups. Tony taught gerontology (the study of old age) at The University of Michigan School of Public Health before joining the faculty at the University of Hawai‘i in 1969. He helped develop a gerontology program at the UH School of Public Health. In 1988, he served as a volunteer training coordinator for AARP Hawaii and spent several legislative sessions as aging adviser to Sen. Les Ihara Jr.

    As a member of the Greatest Generation, he grew up learning how to do a lot with little and focused his energy on productive projects that would help the entire community.
    “I am very proud of the work we did to expand the number of professionals focused on aging,”

    Tony says. With other dedicated faculty, he created two gerontology certificate programs. Many of the 150-plus students who are certified in aging now lead nonprofits and government agencies that provide services for seniors.

    Tony recently taught a five-session weekly workshop, “Aging and Dying With Dignity,” at UH’s Osher Lifelong Learning Institute, but his current focus is to increase the population of caregivers.

    “There is a need to educate and support family caregivers within their cultural context,” Tony says. “Parallel to education is a need to develop agencies and services on all islands to deliver care in homes and facilities.” He advocates immigration policies that favor experienced caregivers from abroad and supports the initiation of caregiver training programs in colleges.

    “I believe caregiving is a profession, and the state should proactively create tiered certifications to facilitate a career ladder. When caregiving blossoms as a career, it will stimulate other services —
    equipment, nutrition, treatments, etc.”

    He urges banks to target young wage earners for savings plans that will encourage them to build financial assets for their elder years. He also has advice for boomers:

    “Many baby boomers have not accumulated or protected enough assets to pay for the rest of their retired life. They continue to work because they must. If older people are going to stay in the workforce, they need work opportunities. Other seniors who are inspired to community service will need training in skill building, leadership, consulting and advocacy.”

    Tony invites his guests to pour their own coffee, joking that he is not a mover and a shaker, but “moving shakily” these days. When asked to predict the future, this member of the Greatest Generation quips, “I just want to see my 88th birthday!” If tackling difficult problems, finding solutions and cultivating a quick humor are good for the brain, Professor Lenzer will be advocating for years to come.

    Chris Ridley is a luminary in the Alzheimer care community. Like others in her generation, she sees community needs and enlists others to join in the cause to address them. In college, she chose mental health social work as a profession and honed her skills. But in 1984, she moved to Hilo to care for her father to undergo the life-changing, on-the-job training we call caregiving.

    “The most critical thing I learned was to be a care partner instead of a care “giver.” My dad was not comfortable with all my care choices and displayed his frustration. I thought I knew what was best for him. When he became unable to walk, I was upset that he rejected the “Mercedes” wheelchair I selected and chose to scoot around on the floor. It was difficult, but I discovered that he slept well on
    a mattress on the floor. He eagerly ate his meals from a Japanese chabudai table, and I washed the floor every day for him so his environment was clean. I learned that caregiving is not making our loved ones “normal” or “happy” but keeping them comfortable, building their self-esteem and protecting their dignity — on their selected path. This is respectful caregiving.”

    Chris’ answer to needs of seniors and the elderly — especially home care for people with dementia — is community education and activation. She travels through Hawai‘i County helping families form care teams for their loved ones who want to age in their own homes.

    In 1999, she founded the Early Signs Health Fair, where everyone can come for free health screening—blood pressure, sugar, kidney function, bone density, dental consults, chiropractic exams and adjustments, exercise and activity classes and presentations by physicians. Her proudest achievements are her work with Life Care, Early Signs Health Fair and increasing public awareness for Advanced Care Directives.

    Chris would like to see Hawai‘i become a dementia-friendly community where we witness and honor our elders’ choices and provide help to keep them on their chosen paths.

    “I was called to evaluate an elderly woman whose neighbors could not convince her to go see a doctor. The neighbors knew one another and were friends with the lady. One neighbor was taking her to the bank and grocery store. The man next door was mowing her lawn. A third was bringing in her newspaper and mail every day. The whole neighborhood was respecting her wish to stay in her home! I signed her up for services like Meals on Wheels and doctor transport. And then I offered a talk-story for all the neighbors, who had become a care team without even knowing it. I showed them which agencies can help and told them who to call in an emergency.

    “This neighborhood is a blueprint for helping Hawai‘i kūpuna stay in their homes as long as possible — not taking advantage but respecting the elder’s wishes — each neighbor helping a little.”
    Chris is a baby boomer who is a change agent for her community. Her legacy will be to educate Hawai‘i’s residents about home caregiving for elders with dementia and to help foster new attitudes toward elders within the community.

    “My dream is that agencies and nonprofits who provide in-home caregiving services to our kūpuna will adopt a seven-day schedule to improve the consistency of care for clients who are aging in place,” she says. Consistency is a hallmark of her ability to change lives and significantly help others in need.

    Jerry Correa is at the tail end of the baby boomer generation, planning for eventual retirement and breathing a sigh of relief that the children of boomers are striking out on their own. Around the corner looms the responsibility of caring for their elderly parents.

    Jerry became president and chief executive officer of St. Francis Healthcare System of Hawaii in 2012. With the blessings of the Sisters of St. Francis and the St. Francis Healthcare System’s board of directors, coupled with support from his leadership team, he is moving full speed ahead to meet the needs of seniors and family caregivers.

    As the first lay leader of St. Francis Healthcare System, he received valuable advice from the sisters: “Give the ku¯puna and caregivers what they tell you they need.”

    Jerry says, “We faced some hard decisions in order to reinvent ourselves. We needed a strategic plan to carry forward the values, mission and success of the sisters of St. Francis, so I studied how they organized and administered their ministries.” His information technology background compelled him to take a systemic, logical approach to the planning process.

    Giving kūpuna what they want meant replacing the traditional medical care model with a broad range of home- and community-based services for Hawai‘i’s growing population of seniors who want to stay healthy and age in place.

    While St. Francis’ kūpuna services in the community continue, Jerry and his team are transforming the Lilihā campus into the St. Francis Kūpuna Village, a one-stop center for health and wellness services, adult day care, caregiver services, and assisted living and skilled-nursing facilities. “This model gives kūpuna and their families easy access to all services at one location and maintains their ties to friends, family and community,” he says.

    In April 2015, the Lilihā campus welcomed the addition of a skilled-nursing facility. In 2018, active kūpuna and caregivers will be able to enjoy a full array of health and wellness services on the Lilihā campus. A team of social workers who understands cultural traditions, family dynamics and critical needs for emotional and spiritual support will coordinate all healthcare services.

    While the St. Francis kūpuna Village is under development, St. Francis is giving seniors and caregivers a taste of what is to come with caregiving classes, fitness classes for seniors and other services. And, as the needs of the community change, St. Francis Healthcare System will continue to offer new services and programs.

    The best is yet to come!

    As the Lilihā campus and programs gradually become available, Jerry keeps kūpuna posted with inspiring weekly messages on the St. Francis website’s news page (www.stfrancishawaii.org/news).
    He keeps listening to what seniors say and need.

    Jackie Boland, a familiar friend of kūpuna, directs AARP’s community events and educational resources for Hawaii residents over age 50. She relies on an army of volunteers, who are AARP members themselves, to help plan and implement programs that appeal to everyone across the board — from those in the workforce to frail seniors nearing end of life. “In Hawai‘i, we have a rapidly aging population that can look forward to greater longevity and health than on the mainland. Therefore, we approach our work from two directions: Helping those who are healthier to access tools and resources that can help them experience their possibilities, and helping frail ones in need of assistance and advocacy. For those in good health, my challenge is to develop ‘Fun with Purpose’ activities that engage people in stimulating activities, disrupt aging and redesign our communities. People over 50 have so much to contribute to the community and to themselves,” she says.

    Older adults who are not in the workforce are a great resource for our community.Jackie says that society has to catch up and change the way we think about retirement. Many retirees want to contribute and maximize their skills to maintain their healthy productive years. They are a talented volunteer force for community activities because of their lifetime of experience and self-knowledge.
    Boland points out that the elderly population (over 85) is growing fast. Nearly all of them want to age at home, and this is only possible when they receive help from family and friends. One in four of Hawai‘i’s adults is a caregiver of parents or spouses, and AARP is working hard to support them with educational resources and workshops.

    “We feel passionate about helping family caregivers. Without them, our kūpuna would be reliant on government programs, and neither we as a community or they as individuals can afford that. We work hard to link caregivers to resources, teach them how to care for themselves while caring for family members and advocate for them in the Legislature.

    “I have a passion for helping women because they live longer and often take on the work of caring for family, putting their own needs aside. Many women stop working or work less, with the result that they earned less and accrued less savings and Social Security. Therefore, their financial resources and benefits are lower in old age. They often outlive their family caregivers and their resources, adding to their mental and physical stress in old age. Our women’s scholarship program has helped so many up-grade their skills and get training and education otherwise not available to them.

    “I want to reach everyone over 50 and let them know about the many AARP programs and educational resources here to help them live their best lives. That’s why we collaborate with many partners like Generations Magazine, to provide educational resources for seniors. If everyone can learn to make good choices to plan for their later years, then growing older can be FUN,” Jackie says.

    Let’s take her advice and start by learning and planning now. We can talk with our families to make sure we have sufficient resources to live with dignity and be productive community members for life. All the answers to our questions, and needs, are there if we only reach out.

    Mapuana Taamu is a busy and productive millennial. Her passion and drive are focused on helping our aging population. She balances multiple jobs: Nursing care in a facility that specializes in memory care, and home care training and services through her own company, Memory Friends, which uses Positive Approach® to Care (PAC) curriculum to teach family caregivers empathetic techniques for giving care. Taamu attends Kapi‘olani Community College (KCC), pursuing an associates of arts degree in accounting and business. She also works part-time for Generations Magazine, managing social media and writing resource articles for you.

    Her passion for healthcare and dementia care, in particular, stems from seven years as a volunteer with Hospice Hawai‘i, Project Dana, Kokua Mau and Hale Kū‘ike in Kāne‘ohe. She attends Kupuna Caucus, is an advanced care planning speaker for Kokua Mau and is an active member of the Kahalu‘u Lions Club. In a short time, she has accumulated a lot of experience in aging.

    “I look like a person you would label a millennial — with tattoos, who enjoys attending meetings in skinny jeans and a white tee,” says Mapuana. She is quick to promote her accomplishments and independent, pragmatic approach to life. Like many millennials, she places a high value on experience and is comfortable collaborating with teams where she can apply her honed skills and the skills of others toward results.

    She counts on her “amazing EQ,” or emotional quotient when working with patients and their families. Like IQ tests, EQ tests measure your capacity for knowing and expressing your emotions and reading emotional expressions of others. “Dementia primarily affects the left half of the brain, the center of language, comprehension and vocabulary. Therefore, non-verbal behaviors say more than words. Reading facial expressions and body language becomes a necessary care skill.

    “Memory Friends is my homecare service for forgetful seniors and their families. We teach Caregiver Action Network (www.caregiveraction.org) programs that train caregivers how to interpret the challenging behaviors and body language of their loved ones with dementia. We help clients adapt a routine of simple exercises that improve health, clarity and attitude,” she says.

    She is majoring in caregiving through first-hand experience and minoring in business on the typical route — college.

    “If only other health professionals could see past my young age and place as much value on my experience as they do on higher educational degrees, then I, and many others, could begin working on these issues and finding the answers.”

    Mapuana has a message for her generation: “Everyone can make a difference. Healthcare is a great career path with many rewards. I invite other millennials to attend meetings, get involved and let your ideas be heard. Let’s collaborate and lead our generation.”

    AGING IS WALKING IN A CIRCLE
    We live in a world with more aging persons than previous generations. Although each generation has its own “personality” and ways of facing challenges, we walk the circle of life together — from dependent childhood and productive midlife, to retirement and dependent old age. As we try to meet the growing challenges of aging in the 21st century, all generations have much to offer. The Greatest Generation laid the foundation for all the services and public programs we now have for the elderly. Baby boomers are working to support and multiply these services for their parents and themselves.

    They have accumulated wealth and assets and developed public awareness about aging. The technologically skilled, independent thinkers of Gen X and the compassionate, problem-solver millennials are applying their skills and logic to improve community support for their parents. They’re planning for their own elder years, which will be longer and more productive yet. Where are you in the circle of aging? Are you actively planning for your elder years? What can you do to make the future even better?


    ARTICLE RESOURCES

    AARP Hawaii
    1132 Bishop St., #1920, Honolulu, 96813
    808-545-6024https://www.aarp.org/states/hi.
    AARP is a national, nonprofit group for adults over age 50. The Hawai’i chapter advocates for financial resilience, safe housing, healthy lifestyles, long-term care, livable communities and more.

    Hawaii Pacific Gerontological Society
    P.O. Box 3714, Honolulu, 96812
    www.hpgs.org | 808-722-8487
    The nonprofit HPGS strives for the well-being of seniors in the Pacific Islands. Annual events include job fairs, conferences and fundraising.

    University of Hawai’i – Mānoa, Center On Aging
    Gartley Hall, 2430 Campus Rd., Honolulu, 96822
    808-956-5001 | www.hawaii.edu/aging/
    COA is the “catalyst of academic excellence in gerontology” for aging groups in the Pacific Islands. It comprises experts in medicine, law, sociology, disability and family resources, nursing and more.

    Life Care Center of Hilo
    944 W. Kawailani St., Hilo, 96720
    808-959-9151 | www.lifecarecenterofhilo.com
    The second-largest nursing home in Hawai’i, this facility has an Alzheimer’s and dementia unit, patient rehabilitation and 24-hour nursing care.

    Alzheimer’s Association
    1130 N. Nimitz Hwy., Ste. A-265, Honolulu, 96817
    808-591-2771 | www.alz.org/hawaii/
    One of 70 branches nationwide, the AA Aloha chapter advocates for Alzheimer’s care, support and research, and hosts caregiver meetings on Hawai’i Island, Kaua‘i, O‘ahu and Maui.

    St. Francis Healthcare System of Hawaii
    2226 Liliha St., Honolulu, 96817
    808-547-6500 | www.stfrancishawaii.org
    St. Francis offers hospice, adult day care, personal care, senior education and a retirement community in Ewa. Phases 2 and 3 of Ku¯puna Village are scheduled to be completed in 2018 and 2019.

    Hospice Hawai‘i
    860 Iwilei Road, Honolulu, 96817
    808-924-9255 | www.hospicehawaii.org
    Hospice Hawai’i offers end-of-life care in the patient’s home or chosen setting. Interpreters in 15 languages are ready to help.

    Project Dana
    2720 Nakookoo St., Honoulu, 96826
    808-945-3736 | www.projectdana.org
    Project Dana is a volunteer-based program for
    elderly people and their caregivers. Services include visits, home-safety evaluations, respite,
    light housekeeping, home repairs and errands.

    Kokua Mau
    P.O. Box 62155, Honolulu, 96839
    808-585-9977 | www.kokuamau.org
    Kokua Mau is a professional group for hospice, advanced-care planning and palliative care. Meetings, workshops and webinars are available.

    Hale Kū‘ike
    95 Kawananakoa Pl. | 595-6770 (Kalihi)
    45-212 Kāne‘ohe Bay Dr. | 808-235-6770 (Kāne‘ohe)
    www.halekuike.com
    Hale Kū‘ike, a residential-home group specialized in Alzheimer’s disease and dementia, employs staff trained in the Positive Approach to Care® model.

    Aging with dignity is a major public health issue for the state of Hawai‘i. People of all ages work with and advocate for the elderly by providing educational resources for families and brainstorming private and public health solutions for the growing needs of kūpuna. All generations offer experience and expertise. By 2029, over 70 million…

  • December 2017 – January 2018

    December 2017 – January 2018

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    Wisdom and advice on the needs of the elderly from five Hawaii experts

  • Part II: Zero Chance of A Lottery Win

    In the October/November issue of Generations Magazine, I explained that it is better to make a logical and legal argument against someone being a winner of a lottery, as opposed to showing them they are a victim of a lottery scam.

    The following facts prove that you have a zero percent chance of winning a lottery if you live in Hawai‘i.

    There are no registered lotteries in Hawai’i. Businesses that operate in Hawai’i must register with the Department of Commerce and Consumer Affairs’ Business Registration Division. This allows the state to regulate businesses and ensure compliancy with local laws. The only states that don’t have state lotteries or don’t participate in multi-state lotteries are: Hawai’i, Alabama, Alaska, Arkansas, Oklahoma, Utah and Wyoming.

    Tax liability only occurs after the money is received. Once you receive a lottery payout, Uncle Sam wants a fair share, because prize winnings are considered income. The state and federal governments collect taxes after, not before, you receive your money (either earned or won).

    In lottery-participating states, you must buy the ticket yourself and in person. Lotteries were created to generate revenue for states conducting the lotteries. These states receive a portion of the purchase price of the lottery ticket and place taxes on the prize money.

    If you want to participate in the lottery, you must physically go to that state and buy a ticket yourself. It is illegal for businesses to buy tickets for non-residents. If tickets were bought online, there would be no control over who won the lottery. You cannot win the lottery if you didn’t enter the contest yourself.

    It is illegal to play foreign lotteries while in the United States. Governments from every country (including the U.S.) want to regulate funds that enter and leave their economies. This includes lottery winnings. No government wants to lose millions to someone outside their country. Therefore, lotteries are specific to residents.

    You have time to collect your money. Lottery-participating states allow ticketholders a set amount of time, typically one year, to receive winnings. For every day that a state holds the unclaimed lottery money, interest is collected on the money. States benefit when money isn’t claimed right away.

    You are required to notify the lottery that you won. The lottery doesn’t notify you. Millions of dollars have not been claimed in lottery winnings because no one went to the lottery office in the participating state to present the winning ticket.

    If you live in Hawai’i and are contacted by a lottery or sweepstakes, you now know the truth. And you also know how to break the news to a scam victim.


    To report suspected elder abuse, contact the Elder Abuse Unit at 808-768-7536  |  ElderAbuse@honolulu.gov

    In the October/November issue of Generations Magazine, I explained that it is better to make a logical and legal argument against someone being a winner of a lottery, as opposed to showing them they are a victim of a lottery scam. The following facts prove that you have a zero percent chance of winning a…

  • Family Peacekeeping Methods

    Central to the Hawaiian culture is the value of ‘ohana,’ or family. Maintaining the “family health” was of utmost importance and was achieved through the regular practice of ho‘oponopono. In the article, “To Set Right Ho‘oponopono A Native Hawaiian Way of Peacemaking,” Manu Meyer discusses how families practice ho‘oponopono.

    Traditionally, ho‘oponopono discussions were facilitated by a haku, who assisted the family in working out problems through a series of discussions. This led to understanding of each family member’s perspectives and resulted in mutual forgiveness and resolution.

    Ho‘oponopono has been compared to the modern-day Alternative Dispute Resolution. A key difference is that ho‘oponopono was not only used to resolve dispute, it also was used to prevent disputes within the family.

    According to Roy William & Vic Pressor of Preparing Heirs, “Sixty percent of transition failures were caused by a breakdown of communication and trust within the family unit.” The potential influx in trust litigation is foreseeable, due to the aging demographic of baby boomers, Hawai’i’s high cost of living and the increase in multigenerational homes.

    Encouraging clients to partake in often difficult and sometimes messy family discussions, while everyone still is alive and able, is integral in preventing unwanted litigation. A haku or a ho‘oponopono facilitator may be effective in resolving family disputes.


    Stephen B. Yim, Attorney at Law
    2054 S. Beretania St., Honolulu HI 96826

    808-524-0251  |  stephenyimestateplanning.com

    Central to the Hawaiian culture is the value of ‘ohana,’ or family. Maintaining the “family health” was of utmost importance and was achieved through the regular practice of ho‘oponopono. In the article, “To Set Right Ho‘oponopono A Native Hawaiian Way of Peacemaking,” Manu Meyer discusses how families practice ho‘oponopono. Traditionally, ho‘oponopono discussions were facilitated by…

  • An Estate Plan For your Digital Assets

    You have a digital estate if you send emails, participate in Facebook and other social networking sites, do online financial transactions, play internet games, or store photos and other important files in the “cloud.”

    What happens to your digital estate if you become incapacitated or die?

    There are both federal and state laws that come into play, along with the agreements you “signed” when you created your digital assets. When you set up your various internet accounts, do you remember checking a box on each website concerning the “terms of service?”

    Unless you acknowledged having read and agreed to each vendor’s terms of service, you would not have been able to create those ‘online accounts.’ Who really reads all of that legal gobbledygook fine print? If you do, you are exceptional. The rest of us are stuck with agreements we never read and probably would not understand if we did.

    The typical “terms of service agreement” says that you are the only person who can access your digital assets. If you are incapacitated or dead, that could be tricky. If somebody tries to get information about your digital assets pretending to be you, he or she is probably violating federal law that defines such activity as “fraud.”

    This is true even if the person trying to access your accounts is your personal representative who needs information about your digital assets to do his or her job. The applicable federal law does not take noble motives into account.

    Most of the 50 states now have laws on the books that give someone the authority to access your digital asset while acting under a properly drafted durable power of attorney, or under court appointment as your conservator or personal representative. Those laws have gone through a painful evolution. The various internet providers, the public and the government have grappled with issues of privacy and personal freedom versus the need for your fiduciaries, and sometimes, the government, to look into your digital estate.

    The state laws differentiate between the content of what the law calls your “electronic communications” and the catalog of your electronic communications. Under the law, accessing a list of your communications is much easier than accessing what you said in those communications, but there are hurdles to be addressed either way.

    Generally, your fiduciaries can get the catalog of your electronic communications even if you did not expressly permit them to do so in your terms of service agreements. When it comes to email, the catalog includes the name of each sender, the email address of each sender, and the date and time each message was sent. It does not, however, include the subject lines or contents of your email messages.

    Even if you do consent to your fiduciaries being able to access the content of your digital assets, most internet vendors will require not only proof of your death or incapacity, but in many cases, a court order.

    So stay tuned as the law continues to evolve, and (we hope) order emerges from the chaos.


    SCOTT MAKUAKANE, Counselor at Law
    Focusing exclusively on estate planning and trust law.

    www.est8planning.com
    O‘ahu: 808-587-8227  | 
    maku@est8planning.com

    You have a digital estate if you send emails, participate in Facebook and other social networking sites, do online financial transactions, play internet games, or store photos and other important files in the “cloud.” What happens to your digital estate if you become incapacitated or die? There are both federal and state laws that come…

  • Keep Stock Market in Perspective

    The stock market has enjoyed an extended period of strong performance that dates back to the end of the last bear market in early 2009. While stock market performance can be measured in myriad ways, it’s the Dow Jones Industrial Average that has surpassed several 1,000-point milestones so far in 2017: The Dow first topped the 20,000 mark on Jan. 25, before passing the 21,000 level just over a month later.

    Then in early August, it broke through the 22,000 mark. As August ended, the seemingly smooth sailing market rally hit a few bumps. While no one can predict the future, market strategists and analysts suggest that we could see some additional market volatility in the months ahead.

    How do investors keep all of this in perspective while trying to manage their portfolios? Here are three points to keep in mind as you follow the stock market:

    The real value of each underlying move in the Dow index diminishes as the market rises.

    While the Dow Jones average is often used to provide a general reading on the state of the market, the index includes the 30 largest company stocks. When the Dow Jones Industrial Average climbs higher, the actual impact of each change in its price is reduced. For example, when the Dow broke through the 2,000 barrier in January 1987, it marked a notable 100 percent increase from the 1,000 level first reached nearly 15 years earlier. By contrast, when the Dow moved 1,000 points to reach 22,000 between March and August of this year, it represented just a 4.5 percent increase.

    The same perspective applies to day-to-day market moves. The stock market makes headlines when the Dow Jones average moves up or down 100 points in a day. Twenty years ago, when the Dow stood at about 8,000, a 100-point move in the market represented a 1.25 percent change in value. Today, a 100-point move is equivalent to less than a half-percent change. In short, 100 points in the Dow Jones Industrial Average doesn’t mean what it used to.

    Markets can retreat from record levels.

    Just as stock markets can rise, history shows they can fall as well. In the spring of 1999, the index reached the 11,000 mark. It moved higher for a few more months before a severe bear market occurred. The Dow dropped to 7,286 in 2002 before returning to the 11,000 level in 2006. Similarly, the market topped 14,000 in 2007 just before the start of another severe bear market. It fell and did not reach that level again until early 2013.

    No one can guarantee what will happen to stocks over the next week, month or year. Stock markets are unpredictable in the short-term, as fluctuations are part of the market’s behavior over time. Price swings are a reality for stock investors, but over time, stocks historically have recovered.

    Indexes may not represent your portfolio.

    While indexes often generate headlines, their performance may not be reflective of your own portfolio. Emotions run high when there are market swings, but don’t let fear get the best of you. Stock market swings can act as a reminder to review your financial position, making sure that your asset mix matches your long-term goals. The most important factors of your investment success are your goals, the time you have to invest, your risk tolerance and your commitment to save.

    Reacting to the stock market or speculation about events that may happen in the future might make for interesting dinner conversation, but remember that it’s not a proven investing strategy.

    If you need financial planning help, consider working with a financial advisor you trust.


    MICHAEL W. K. YEE, CFP
    1585 Kapiolani Blvd., Ste. 1100, Honolulu HI 96814

    808-952-1222, ext. 1240  |  michael.w.yee@ampf.com

    Michael W. K. Yee, CFP®, CFS®, CLTC, is a Financial Advisor, Certified Financial Planner™ practitioner with Ameriprise Financial Services, Inc. in Honolulu, HI. He specializes in fee-based financial planning and asset management strategies and has been in practice for 30 years.

    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.

    ©2017 Ameriprise Financial, Inc. All rights reserved. File #1875690

    The stock market has enjoyed an extended period of strong performance that dates back to the end of the last bear market in early 2009. While stock market performance can be measured in myriad ways, it’s the Dow Jones Industrial Average that has surpassed several 1,000-point milestones so far in 2017: The Dow first topped…

  • You’ve Got Mail: New Medicare Cards

    New Medicare cards will be issued and mailed to beneficiaries between April 2018 and April 2019. In an attempt to protect your identity, the new cards will have a unique number for you instead of your Social Security number, or the number of someone through which you receive Medicare benefits.

    When you receive your card, you have one simple step to complete: Open your mail when it arrives!

    You do not need to take any other action to get your new card. Since you are aware that a new Medicare card will be sent to you, it is a good idea to contact Medicare and verify they have your correct address or request an update.

    There is no charge for the new card, and your current coverage or benefits are not impacted by the change. However, Medicare officials are warning Medicare beneficiaries about possible scam artists, posing as Medicare representatives. These individuals may ask you to confirm information, tell you there is a charge for the card or falsely state that your Medicare benefits will be cancelled if you do not give them your information.

    Medicare officials advise that if someone calls you and asks for your Medicare number or other personal information, hang up and report the suspicious call to 1-800-MEDICARE (633-4227).

    Medicare telephone lines are open 24 hours a day, 7 days a week. You can also contact Medicare for guidance on getting replacement cards and making address changes.


    MEDICARE MOMENT WITH MARTHA
    A radio program with Martha Khlopin

    KHNR-690AM:
    Saturdays, noon to 12:30 pm
    Sundays, 9:30 am to 10 am

    808-230-3379 | getmartha@aol.com

    New Medicare cards will be issued and mailed to beneficiaries between April 2018 and April 2019. In an attempt to protect your identity, the new cards will have a unique number for you instead of your Social Security number, or the number of someone through which you receive Medicare benefits. When you receive your card,…

  • Sign Language Videos and Email Scams

    Q

    I heard there is a Social Security video available in American Sign Language. Where can I find it?

    A

    Yes, it’s true. The video is called “Social Security, SSI and Medicare: What You Need to Know About These Vital Programs.” The video is available in American Sign Language and presents important information about our programs. You can watch the video now at www.socialsecurity.gov/multimedia/video/asl. The video is a part of our larger collection of on-demand videos and webinars available at www.socialsecurity.gov/webinars and at www.YouTube.com.

    Q

    I got an email that says it’s from Social Security, but I’m not so sure. They want me to reply with my Social Security number, date of birth, and mother’s maiden name for “verification.” Did it really come from Social Security?

    A

    No. Social Security will not send you an email asking you to share your personal information, such as your Social Security number, date of birth, or other private information. Beware of such scams­ — they’re after your information so they can use it for their own benefit. When in doubt, or if you have any questions about correspondence you receive from Social Security, contact your local Social Security office or call us at 1-800-772-1213 (TTY 1-800-325-0778) to see whether we really need any information from you.


    For questions, online applications or to make an appointment to visit a SSA office, call from 7am–5pm, Mon–Fri:

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

    Q I heard there is a Social Security video available in American Sign Language. Where can I find it? A Yes, it’s true. The video is called “Social Security, SSI and Medicare: What You Need to Know About These Vital Programs.” The video is available in American Sign Language and presents important information about our…

  • WARNING: ‘Aging in Place’ Homes

    Many seniors are aware of the Long-Term Care Ombudsman Program and its role as their advocate if they have a problem or concern regarding a nursing home, adult residential care home, assisted living facility or community care foster family home.

    What they may not know, however, is that if they choose to live in what is called an “aging in place” facility, residents are very much on their own. The Long-Term Care Ombudsman Program does not have access to these facilities, and their “renters” are not protected by federal or state regulations that govern licensed settings.

    There is some debate as to whether or not these homes are actually “unlicensed” care homes taking advantage of loopholes in the current law. But there is no debate that AIG Homes have:

    • No annual inspection by the Department of Health.
    • No public posting of the inspection by the
      Department of Health.
    • No TB clearance requirements for the caregivers or staff.
    • No building or fire code requirements or plans regarding emergency evacuations.
    • No access to the Ombudsman or consumer protection.

    Since these homes are not licensed, and don’t want to be licensed, another significant concern is this: Why would a social worker, case manager, doctor, nurse or other professional make such a recommendation? Do they bear some liability if the person is abused, mistreated or neglected?  Would healthcare providers, such as Kaiser or HMSA, place a patient in an unregulated, unmonitored home?The Long-Term Care Ombudsman Program has already received complaints about loved ones being denied access. A man called complaining that his relative was in an “aging in place” home, and every time he visited, she would have new, mysterious bruises. He complained to the caregiver, but to no avail. Then he noticed the caregiver started covering up the bruises in various ways to hide them. He took pictures and sent them to the person with the placement responsibility over his relative who, unfortunately, didn’t live in Hawaii. That person forwarded the pictures to the caregiver, and she immediately banned the man from visiting. He called our Office to request help, as he is the only relative on the island and hasn’t been allowed to visit since April.

    He wanted to know if I could do anything to lift the ban. Sadly no. Our Office can’t do anything because the home is unlicensed. Representatives from our Office could be arrested for trespassing on private property.

    Most of us believe if you are taking care of someone in your home for a fee — and that person is not related to you — then you need to be licensed by the state, so we can try to ensure your safety. Licensed facilities are regulated by laws, which allow the state to do what is necessary to ensure the safety and security of our residents through compliance with building and safety codes, health inspections, emergency plans, care plans, medication management, and training and experience for caregivers.

    The “aging in place” model is not licensed and doesn’t allow for these safeguards. Until they do, they should be shut down.


    DO YOU HAVE COMPLAINTS AND QUESTIONS?

    Please call John G. McDermott, the State Long-Term Care Ombudsman, at 808-586-7268 or refer to the Department of Health’s website at www.health.hawaii.gov/ohca/state-licensing-section/.

    Many seniors are aware of the Long-Term Care Ombudsman Program and its role as their advocate if they have a problem or concern regarding a nursing home, adult residential care home, assisted living facility or community care foster family home. What they may not know, however, is that if they choose to live in what…

  • The Many Facets of Dementia

    Alzheimer’s Disease and dementia — isn’t that the same thing? The simple answer is no.

    Dementia is an umbrella term for the different types of diseases that affect the brain. Alzheimer’s Disease is only one form of dementia.
    Also on the list we have Lewy body dementia, alcohol-related dementia, frontal-temporal dementia, Parkinson’s-related dementia, and so on.

    Dementia is ultimately brain failure. Like other organ failures, you can expect the brain to gradually regress over time, and some diseases progress faster than others. This gradual decline of cognitive function is the main culprit behind the many, and sometimes violent, behavioral changes that accompany this disease.

    Teepa Snow (www.teepasnow.com), one of my mentors, has transformed the way we think about dementia with her Positive Approach® to Care philosophy. As a registered occupational therapist with over 30 years of hands-on experience, Teepa has reinvented the varying stages of dementia by introducing her GEMS® model (Sapphire, Diamond, Emerald, Amber, Ruby and Pearl). Each GEMS state reflects a different stage of dementia with an emphasis on what the person is still able to do rather than what cognitive functions are lost. Nevertheless, as a person living with dementia goes through the GEMS cycle, behaviors remain problematic.

    Dementia attacks the left side of the brain more aggressively than the right. The left hemisphere is where we hold language capabilities — comprehension, vocabulary and speech production. When we have limited language skills, we unconsciously rely on behaviors to communicate.

    Author Mapuana Taamu with her mentor Teepa Snow, founder of the Positive Approach® to Care philosophy.
    Author Mapuana Taamu with her mentor Teepa Snow, founder of the Positive Approach® to Care philosophy.

    Think about 3-year-olds. Do they tell you that they are tired and need a nap, or do they kick, scream and throw a tantrum? This is how people living with dementia communicate. With diminished language skills, they have difficulty verbalizing what they want or need, so they end up showing you through their behaviors.

    It takes a lot of detective work to understand these behaviors! Ultimately, it is the duty of their caregiver to adjust and adapt to the ever-changing brain. To give care successfully requires lots of patience paired with trials and numerous errors. But as time goes by, the “uh-oh’s” will eventually turn into “ah-ha’s!”


    Mapuana Taamu is a professional, family caregiver specializing in dementia. She owns and operates Memory Friends, a companionship, respite and consultation service for seniors. She also is a “Certified Positive Approach® to Care” Trainer. Reach her at:  808-469-5330  |  mfriends808@gmail.com

    Alzheimer’s Disease and dementia — isn’t that the same thing? The simple answer is no. Dementia is an umbrella term for the different types of diseases that affect the brain. Alzheimer’s Disease is only one form of dementia. Also on the list we have Lewy body dementia, alcohol-related dementia, frontal-temporal dementia, Parkinson’s-related dementia, and so on. Dementia is…