Page 8 - Mid Valley Times 7-7-22 E-Edition

Thursday, July 7, 2022 | A8 | Mid Valley TiMes
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Misinformation can affect your retirement planning and your finances
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By Jim Dueck
We all know what hap- pens to the facts when a statement is passed from one person to another to another and so on. By the time the last person hears it, the facts have been dis- torted. Those who get their information in this man- ner will rarely have accu- rate information on which to make sound decisions about what is right for them as they age. I believe it is best to get your infor-
mation from the source rather than from a friend of a friend of a friend.
Recently I was asked if Palm Village has a “by in” for Assisted Living or Skilled Nursing. They were surprised to find out that there is NO “buy in” for ei- ther of these levels of care. They were pleasantly sur- prised and puzzled because they did not know where they had received the in-
correct information.
To be clear, there is a “buy in”, we call it an accommo- dation fee, at Palm Village for our licensed Indepen- dent Living. Is it possible you may not have the cor- rect information about this based on what you may have heard a friend of a friend of a friend say about it? Would it be a good idea to get the correct informa- tion before making up your
mind about it?
Did you know that you can actually spend less money, in some cases hun- dreds of thousands of dol- lars less, over a period of time by paying an accom- modation fee and a modest monthly fee as compared to either staying in your home or paying a higher monthly fee with no upfront fee? Again, get the facts and then make a decision about
what works best for your particular situation.
I would recommend get- ting the facts from the source regarding ALL the important decisions you will make about your retirement living plans. Making well informed de- cisions with accurate in- formation will allow you to choose exactly what you want and decide what is right for you.
Few lifestyle changes have become more widely accepted and success- ful than the commitment many people have made to physical fitness. Over the last 20 years, more and more people have joined gyms in an effort to im- prove their quality of life.
One particular group that has increasingly em- phasized this commitment to physical fitness is Baby Boomers. As advancements in medicine have helped to increase life expectancy and quality of life, many Boomers have simultane- ously grown more health- conscious in an effort to make their approaching golden years more enjoy- able and healthy. However, Boomers would be wise to
consider the following fit- ness tips to ensure they get the most out of their exer- cise regimens.
• Work with your physi- cian: Even if you feel great, it’s wise to work with your physician when starting or altering an existing exer- cise regimen. Discuss how you feel after a workout, including any aches and pains that might result. In addition, write down exactly what your regi- men is and share this with your physician. That way, if you do have any aches and pains, the doctor can most likely get at the root of those problems and help you alter your program to eliminate or minimize these negative side effects.
Another valuable result
Enrolling in an exercise class such as yoga at the local gym is one way for baby boomers to get fit and meet new people at the same time.
people aspire to at the on- set.
For retired Boomers, an exercise buddy can also be a great means to socializ- ing. Many retirees can be- gin to feel isolated at the onset of retirement, as they no longer go to the office each day and stick to their once regular routine. An exercise buddy can encour- age socializing, which in turn can improve overall quality of life.
• Don’t be afraid to sweat: Boomers should still aspire to sweat a little during their workouts. While maxing out on the bench press should no longer be a goal, Baby Boomers should keep in mind that a moderate workout where they sweat a little is beneficial. How-
ever, if an exercise regimen routinely leaves you with shortness of breath or a no- ticeably elevated heartbeat, consult your physician and be prepared to scale back your workout.
• Make it fun: Exercise regimens that are dull are far less likely to be adhered to than workouts that you’ll enjoy. Many gyms offer classes such as pilates that are open to mem- bers. Many times, classes are age-specific, mean- ing they’re tailored to cer- tain age groups. For Baby Boomers, these classes are ideal, as they’re not going to push you to your limits but still provide valuable exercise. Also, these classes can be a great way to meet people.
He&alth Fitness
Runs the first week of each month
Call Janie Lucio to advertise
Fitness Tips for Baby Boomers
of sharing your routine with your physician is that a doctor familiar with your medical history can help ensure you’re choosing routines that aren’t going to enflame any preexisting conditions.
• Get an exercise buddy: Whether it’s with a friend or spouse, exercising with a buddy is a great way to ensure you’ll stick to your program. Exercising alone can become very boring, leading to a lower level of commitment than many
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