Tag elderly

How to Reach or Maintain a Healthy Weight in Your Senior Years

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Check out this wonderful and informative article by Camille Johnson of Bereaver.com.

When we get older, maintaining a healthy weight can be a struggle. Our metabolism slows down, and it becomes more difficult to get enough exercise. Still, it’s important to maintain a healthy weight. Critical aspects of your overall wellness, including your blood pressure, cholesterol, and risk for diabetes can be affected, so staying a healthy weight can help you live longer. These tips courtesy of StaceyNaito.com will help you achieve your target for good health.

Get moving

One of the most important ways of losing or maintaining weight is exercise. Start slowly by walking around the block, learning tai chi, or trying a water aerobics class. If you’ve not been particularly active recently, talk to your doctor about finding a safe way to start an exercise routine. An occupational or physical therapist can help you determine your abilities, especially if you’ve suffered an illness or injury in the past. These resources are great starting points for seniors who want to adopt an exercise routine.

  • Look for ways to incorporate movement into your daily tasks.
  • Set a timer to remind you to stand up and move around a bit every hour.
  • Use the buddy system. Find a friend to walk or exercise with, for fun and accountability.
  • Mayo Clinic suggests parking farther away from the store, and enjoy the walk. Take the stairs when you can.
  • Seniors who are considering an assisted living situation should look for facilities that offer amenities like walking trails, gyms, and group fitness sessions. 

Watch what you eat

Be mindful of what you eat each day, in terms of ingredients and calorie count. Stick to whole foods as much as possible, and read food labels for processed products you buy. Avoid fatty meats, instead opting for fish, lean chicken, pork, or beef cuts. Protein is especially important for your diet, because it helps build up the calcium in your bones, so be sure you’re getting enough.  Having some protein with every meal and snack will keep you fuller for longer, which prevents you from overindulging on empty calories.

  • Greek yogurt is a great choice for a snack or part of a meal.  One serving has 17-18 grams of protein. 
  • Try ancient grains, such as teff, kamut, or quinoa.  These grains are healthy as they tend to be higher in protein, vitamins, and other nutrients, and are often lower in gluten..
  • Add some green peas to your salad, soup, or main dish.  They pack 8 grams of protein per cup, and bring other nutrients, as well as fiber to your diet.
  • Hummus is a tasty high protein dip for veggies. People trying to lose weight can enjoy it in moderation, and for those who need to gain weight, eating it more frequently is a great choice.

Get Hydrated

It’s important to stay hydrated no matter your age or fitness level, but as a senior citizen, you probably aren’t getting as much water as you need, especially if you’re active. Keeping a bottle of water with you can help you remember to sip throughout the day, and you can also add more water-dense foods to your diet to keep your bones, muscles, joints, and skin healthy.

  • Have a glass of water at certain times each day. In addition to helping you stay hydrated, it can also help prevent you from eating too much.
  • Remember that hot weather and high altitudes both increase your risk of dehydration, so increase your water intake when these conditions are affecting you.
  • Cleveland Clinic notes health issues that involve fever, vomiting, or diarrhea increase your need for water.
  • Ensure you’re drinking at least two liters of water every day.

Remember that your body is the only one you have, and you have to take care of it at every age. The more love you show your body by feeding and hydrating it well, and exercising, the more chances you’ll have for a longer, more comfortable life.

Dr. Stacey Naito of StaceyNaito.com offers customized meal plans, exercise regimens, and natural hormone balance to people who don’t want to compete but just want to lose weight, gain weight, or get toned. Contact Dr. Naito today to learn more! 

Technology And The Elderly Don’t Mix Well

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I have always considered my mother’s lack of understanding of anything electronic rather interesting, especially since I don’t struggle with operating basic electronic devices such as TV’s, stereos and cell phones. I know that older generations (my mother was born in 1932) tend to have difficulties operating electronic equipment, but my mother is at an extreme. It surprised me when my mother requested a VCR back in the 80’s, because I assumed that using it would present a challenge for her. So I gave her one for Christmas, despite the fact that I doubted she would feel comfortable using it. She proved me right by immediately revealing to me that she did not comprehend the different control buttons, which then prompted me to patiently run through every function with her. When I would say, “Okay Mom, how about if you try to play a videotape?”, she would become frustrated and state that it was just too confusing to her.

The next thing I did was to write out detailed and numbered operation instructions on a large Post-It note which I then affixed to the top of the VCR. A week went by, and then I came over for a visit, during which I asked my mother how she was enjoying the VCR. She stated that she had not used it, that it was “too confusing” for her, and that she would just wait until I came over so that I could operate the VCR and we could watch movies together. My mom held onto that VCR for 20 years, and she never once used it on her own.

Shortly after my mother entered an assisted living facility in 2013, I was trying to figure out what type of phone to get her, and thought it would be cheaper and more convenient for her if I purchased a pre-paid cell phone as opposed to installing a land line in her room. After purchasing her first cell phone (two have stopped working over the years, and she is on her third phone), I braced myself for the cell phone training which I knew I had to put my mom through. Just as I had predicted, she had problems from day one with basic operations on the phone, and as a consequence, rarely, if ever, answers incoming calls or makes outbound calls.

Has anyone else dealt with elderly people who don’t seem to have any aptitude for electronic devices?

Is Technology the Key to Healthy Senior Living?

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By Karen Weeks

Please check out Elderwellness.net and contact her via karen@elderwellness.net

According to MarketWatch, there are over 47 million seniors in the United States, comprising approximately 14.9% of the U.S. population. Unfortunately, the majority of these people have at least one chronic health condition. On the upside, advances in technology have made it easier to manage these conditions and connect seniors with helpful resources and make sure they have access to broadband internet. Here, Dr. Stacey Naito’s Blog describes some of the latest products, gadgets, and apps that can make staying healthy easier as you grow older. 

Convenient apps can remind you to take your pills

At any age, it can be difficult to remember to take medication. This is particularly true if you have more than one prescription that you take daily. If you have trouble remembering to take your medicine, you might want to consider a medication reminder like Medisafe Medication Management.

This is a free app available for both Apple and Android, and while it can jog your memory to take your pills on time, the app also does more than that. Medisafe checks for drug interactions, connects you with coupons and even reminds you when it’s time to request a refill. 

Fitness trackers motivate you to move

Fitness trackers like FitBit and Garmin Venu are nothing new. The first Fitbit was released in 2009. At the time it was barely more than a steps tracker, but they have come a long way since then. Today, in addition to counting your steps, most fitness trackers and smartwatches detect your heartbeat, track your sleep, record your weight, and help you set health-related goals. These tools are a great way to not only make sure you stay active but also monitor changes in your health. 

Fall detectors give you peace of mind

As you age, your risk of developing osteoporosis increases. In fact, the National Osteoporosis Foundation explains 54 million Americans have low bone density or osteoporosis. Osteoporosis increases the risk of broken bones which can easily lead to a fall. Falls are serious and can lead to even more serious injuries. Falls are a serious threat to anyone, and sometimes seniors can suffer from balance issues. It’s easy to see how this can become the perfect storm for an older adult.

For those who are at risk, technology has answers in the way of fall detectors. For instance, the Lifeline fall detector can detect a fall and connect you to a central communication center. If they determine you need assistance they can call for help.

There are many other devices that can help in the event of a fall. In fact, the latest version of the Apple Watch comes equipped with fall detection. In the event of a fall, the watch will call for help and send a message with your location to your emergency contacts. 

Use online tools to book a getaway

There’s nothing quite like getting away for a short vacation or staycation to get a change of scenery. Better yet, booking a quick getaway in a vacation rental offers benefits like free wi-fi and having a fully equipped kitchen so you can cook healthy meals. Many rentals also have home gyms so you can get in a workout or two during your stay. Using a service like TurnKey is a premium choice, as you get your pick of distinctive homes, 24/7 on-call service, and other perks.

Online access to insurance helps you get the care you need

Each year, the open enrollment window for Medicare is October 15 to December 7. During this time you can choose the plan that’s right for you. The best way to get started is to visit medicare.gov. Here you can find information on how to sign up and examine your available options.

Since plans like Medicare Advantage offer things like dental and vision care, many seniors find they save money on out-of-pocket expenses by making changes in coverage. With that in mind, do some exploring to make sure you’re getting the best bang for your buck.

Your health is important, but staying on top of it doesn’t have to be complicated. With technology, it’s easy to track your health and stay active. And the best part is, many of these services are easy to use and inexpensive or free. 

Dr. Stacey Naito’s Blog is home to a wide range of lifestyle and health topics (and more!). Read more interesting articles today!

5 Healthy Habits Seniors Can Adopt in the New Year

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Please check out this excellent article written by Karen Weeks, which covers healthy habits which seniors can adopt in 2021.

Image via Pexels

By Karen Weeks of elderwellness.net

A brand new year is ahead of us, making it the perfect time to adopt healthy habits like eating nutritiously, exercising regularly, and spending time with loved ones (whether in-person or virtually). Below, Dr. Stacey Naito offers five senior-friendly habits that can be adopted in the new year — and how seniors can go about incorporating them in their lives.

1. Eat Nutritiously

According to the Academy of Nutrition and Dietetics, seniors need adequate amounts of calcium and vitamin D, B12, dietary fiber, healthy fats, and potassium in order to lead long and healthy lives. And fortunately, seniors can get all the nutrients they need by consuming plenty of fresh leafy greens, lean meats, beans, and healthy fats like avocados and fish. Supplementation may also be necessary if calcium, B12, B6, or vitamin D levels are low.

 

If you’re looking for some ways to eat better this year, try buying a new cookbook or two, purchasing a grocery delivery service, or visiting your local health foods store to stock up on fresh fruits and veggies, healthy grains, and lean proteins. If you’re thinking of paying for a grocery delivery service, some of the best options for produce include Imperfect Foods, Misfits Market, and Farmbox.

2. Exercise Often

Like good nutrition, seniors need plenty of physical activity — including strength training activities, exercises for balance and flexibility, and aerobic activities such as walking, biking, swimming, or dancing. And fortunately, there are several things seniors can do to increase their physical activity in the year ahead:

 

  • Following along to exercise DVDs or online fitness classes.

  • Walking or biking alone or with friends (while practicing social distancing, of course).

  • Parking further away from store entrances when shopping.

  • Purchasing an elliptical machine, exercise bike, or treadmill.

  • Starting and maintaining a garden.

 

If you have a medical condition or you’re experiencing body aches or pains, a physical therapist can help you to select the best exercises for you. Plus, many physical therapists are offering virtual services amidst COVID-19.

3. Socialize With Loved Ones

Socializing is tough in the age of the coronavirus, but it isn’t impossible! With senior-friendly video chat software, online multiplayer games and apps, and safe in-person gatherings (like outdoor activities and walks with loved ones), seniors can safely spend more time with their friends and family members in the new year. Regular socialization keeps seniors physically, mentally, and emotionally well — and reduces their risk of cognitive decline and depression.

4. Keep the Mind Sharp

Speaking of cognitive decline, seniors should also make time for brain games and activities in the new year. Brain games keep the mind young and healthy, fight boredom, and improve overall mental well-being. A few brain training activities for seniors include:

 

  • Jigsaw puzzles, crosswords, and word finds.

  • Classes on cooking, foreign languages, dance, or music.

  • Arts and crafts like knitting, scrapbooking, and upcycling.

  • Reading, coloring, and drawing.

5. Clean and Declutter

Clutter is harmful for a number of reasons. Not only does it create tripping hazards at home, but excess clutter often triggers anxiety, concentration issues, irritability, and even depression. So, if you’ve been feeling especially negative or depressed as of late, the new year is the perfect time to freshen up your living space by cleaning, decluttering, and letting in as much fresh air as possible. Redfin shares a checklist with some ideas for cleansing your home and creating a happier and healthier living space.

New Year, New You

It’s never too late to adopt healthier habits and take steps to improve your life, and these five tips will help you to tackle everything from changing your diet to eliminating excess clutter at home. No matter your age, the start of a new year is the perfect time to reinvent yourself and improve various areas of your life.

 

Looking for more health tips and advice? Visit Dr. Stacey Naito’s blog at staceynaitoblog.com.

6 Interesting Benefits of Yoga for Seniors

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Photo credit: Rawpixel

 

By Karen Weeks

Karen Weeks – Elderwellness.net

karen@elderwellness.net

Yoga can be practiced by anyone at any point in their life. Participation in yoga has nearly doubled in just a couple of years as people have realized the powerful health benefits that it provides. If you’re a senior who is considering getting started in yoga, here are some benefits you may enjoy from your practice.

 

  1. Better dental health

 

There is a well-defined link between mental health problems, like stress and depression, and poor dental health. When you’re stressed out, your immune system is weakened and your gums are more prone to bacterial invasion. Antidepressants can also dry out your mouth, which can make it harder to wash food away from your teeth and gums. If you tend to grind your teeth when you’re stressed out, you can also have problems with your jaw. 

 

Yoga is an excellent activity to help relax you. You learn better breathing patterns as well as how to soothe your mind and body. These are good stress-reducing activities that have long-term effects. Despite yoga’s benefits for oral health, you should still find a dentist to visit if you have problems with tooth or jaw pain.

 

  1. Improved gut health

 

Changing diet and age can reduce the overall diversity of microbes in the gut, and this lack of diversity can make the body less healthy and responsive. Hyperbiotics explains that exercise can boost gut health by improving the gut microbiome. The gut microbiome is the collection of microbes that naturally live in our bodies and help us digest. Yoga is one easy exercise you can start, even if you haven’t exercised in a while. This physical activity will help you achieve a happier gut, which will help you feel happier overall.

 

  1. Healthier joints

 

Yoga can improve flexibility and joint health. When it’s paired with meditation, it can reduce stiffness. Part of this comes from learning proper alignment of the body, as well as learning how to modify poses that can help minimize pain in your body. Meditation helps you develop a greater awareness of the stiffness in your body and work on relaxing whatever might get stiff.

 

  1. Reduced blood pressure

 

Research has suggested that yoga and meditation as a possible way to alleviate mild problems with blood pressure. Yoga can be a light-intensity activity, which is great if you’re a beginner. Physical activity is recommended for people who have high blood pressure, and yoga can be a big part of that. It can also help your stress response which can impact your blood pressure. Yoga is a good combination of getting your heart rate up while also relaxing your body and mind.

 

  1. Better balance

 

Research has demonstrated that yoga can be a powerful way to improve balance and mobility in older populations. This is especially important in arming you against potential falls and bone breaks. Yoga has all sorts of poses that can help you gain strength and balance within yourself, such as “tree pose.” It will also help you improve your core strength, which helps your balance as well.

 

  1. Strong bones

 

A critical part of bone health is getting physical activity. Some activities are better than others when it comes to building and maintaining strong bones. Yoga is one of these activities, as you build greater strength in your muscles and bones, and you can do it all in a low-impact way. However, if you have low bone density, make sure you do alternatives to specific poses or avoid them outright, such as forward folds and spinal twists. Listen to your body, and avoid any pose that feels painful.

 

Where to Do Yoga

 

Now that you’ve learned all about yoga’s benefits, you may be interested in how to get started on your own yoga practice. The beauty of yoga is that it can be practiced in the comfort of your own home. You can access fitness apps on a fitness tracker or other device to learn yoga poses, or refer to YouTube exercise videos that are geared toward seniors. You may also find that during your at-home practice, you’ll want to enhance your yoga routine with additional exercises like stretches, chair exercises, and resistance training. Mixing up your exercises can help you stay motivated and improve workout performance.

 

If you’d prefer to practice yoga outside of the home, you can learn from a professional yoga instructor who can teach you how to do each pose properly. You can check out some yoga studios in your neighborhood; some may even offer classes specially suited for seniors. 

 

An important part of starting your yoga practice is modifying it to fit your individual circumstances. Start slowly, and focus on poses that you’re comfortable with. As long as you’re careful and comfortable with your progress, yoga is worth giving a try in your senior years.

Tips for Seniors Who Want to Burn Body Fat and Get Better Sleep

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Please check out this fantastic article by Karen Weeks of Elderwellness.net on optimizing sleep in older individuals.

By Karen Weeks

karen@elderwellness.net

It’s a well-known fact that we burn calories while we sleep. Therefore, the higher the quality of our sleep, the more fat we will burn throughout the night. But sleep and body fat are even more intertwined than that. Lack of sleep, which is common among seniors, can lead to weight gain, and excess body fat can impede your quality of sleep. It’s a vicious cycle.

If you’re a senior, there are steps you can take to maximize the calories you burn during sleep, and there are also practical things you can do throughout the day that will help you reduce body fat and get better sleep. Here’s what you need to know.

Eat Better

Eating well is a cornerstone of healthy living. And yes, it can even help you sleep more soundly.  If you’re super busy and fast food is a part of your normal routine, consider getting an electric pressure cooker. That way, you can cook fast, healthy meals at home and avoid the consequences of fast food. Before you buy anything, check out reviews of various pressure cookers to compare quality, prices, and ease of use.

It’s also worth considering that there are certain foods you can eat late at night that will give your metabolism a boost, which will help you burn more calories in your sleep. Protein shakes, pistachios, plain yogurt, strawberries, and cheese are just a few examples of healthy late-nightsnacks. Just be sure to keep the portions under control so that your body isn’t working too hard to digest, which can keep you from falling asleep.

Get a Move on It

Exercise is another thing that can help you lose body fat and get better sleep. Not only that, but it also comes with a number of mental health benefits, such as improved self-confidence and reduced stress, anxiety, and depression.

There are many types of exercise that are safe and beneficial for seniors. Many older adults opt for low-impact movements like swimming, cycling, brisk walking, and using the elliptical. The important thing is that you find something you enjoy and that you do it for at least 30 minutes a day, even if you need to break it into 10- or 15-minute segments.

When you have a solid exercise routine, you will have more energy throughout the day and it will help you feel more tired by bedtime. Morning and afternoon routines tend to work best for improving sleep, as exercising in the evening can make it difficult to fall asleep.

Establish a Killer Bedtime Routine

If you want to get better sleep and burn off more calories, you need a bedtime routine. This can include anything that helps you fall and stay asleep. Try to go to bed and wake up at the same time each day (even on weekends). Also, try a variety of activities that help you wind down and get ready for sleep. Taking a warm bath, listening to soft music, practicing yoga, meditating, and reading a book are all things that can put you in the right frame of mind to drift off.

Make Your Bedroom Dark, Quiet, and Cool

Your bedroom is also important when it comes to healthy sleep, so make sure this space promotes relaxation by keeping it dark and quiet leading up to bedtime and throughout the night.

Keeping the temperature a little cooler can improve sleep as well. Moreover, consider removingthe use of electronic devices (e.g., smartphones, tablets, TVs, etc.) from your bedtime routine, as the blue light emitted from the screens can be a sleep disrupter.

If you want to reduce your body fat and get better sleep, make sure you’re following a healthy diet and exercise routine. Also, create a good bedtime routine and turn your bedroom into a sleep haven. Just because poor sleep is common among seniors doesn’t mean you have to accept it as your fate. Making little changes like these might be all it takes to help you improve your overall health and well-being.

Healthy Living Tips for Seniors on a Fixed Income

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Please check out this fantastic article, written by Karen Weeks, which is full of tips on how to live healthy and strong as a senior on a fixed income!

by Karen Weeks – Elderwellness.net
karen@elderwellness.net


Image by Xevi Casanovas via Unsplash

As you get older, it’s more important than ever to make your health a priority. Unfortunately for seniors living on fixed incomes, a healthy lifestyle can seem financially impossible. Nutritious ingredients, fitness classes, and other healthy living resources don’t come cheap. When money is limited, it’s hard to find room in your budget.

Forgoing healthy habits may save money in the short-term, but it costs seniors in the long-run. A healthy lifestyle is one of the best ways to prevent chronic illness, and if you don’t take care of yourself, you’re more likely to develop health problems that are costly to manage.

That’s why it’s so important to adopt healthy habits now, no matter your budget. If you’re a senior living on a fixed income, these tips will help you stay healthy without spending a lot.

Eating Well

Learn how to grocery shop on a budget
If you look at the price of packaged organic goods, healthy foods can seem out of reach. Instead of worrying about organics, focus on eating a diet high in vegetables of any (and every!) type. If fresh vegetables are too expensive, frozen vegetables are just as nutritious without the sodium content of canned goods. Dried beans, whole grains, frozen fruit, canned fish, and eggs are more cheap and healthy foods. Avoid frozen meals. While they seem like a good value, most frozen dinners are high in sodium and saturated fat.

Make use of food assistance programs
If you find yourself skipping meals or eating poorly to save money, look into food assistance programs like the Supplemental Nutrition Assistance Program, the Senior Farmers Market Nutrition Program, and Meals on Wheels. Meals on Wheels is an especially helpful resource if you live alone and have trouble leaving your home.

Staying Active

Get cleared for exercise
It’s safe for most older adults to exercise, but it’s still wise to talk to your doctor. Your annual wellness visit is a good time to ask if you should take precautions before starting an exercise program. Keep in mind, however, that Medicare’s annual wellness visit doesn’t include a full physical. You may owe a copay if your doctor recommends bloodwork or other tests to clear you for exercise.

Exercise at home
There’s a lot of exercise seniors can do in the comfort of their homes. Basic strength and balance exercises, important for senior fall prevention, require minimal space and no special equipment. Use these 14 exercises from Philips Lifeline to get started.

Join a senior center
Do you prefer the camaraderie of group exercise? Senior centers offer tons of activities for older adults, including exercise classes like tai chi, yoga, and Zumba. Not only that, but all of a senior center’s services are available free or low-cost. No matter where you live, there’s likely a senior center in your neighborhood.

Getting Help at Home

Apply for the Assisted Living Waiver Program
If you need caregiving but don’t want to move into a nursing facility, consider assisted living. Under the Assisted Living Waiver Program, California seniors receiving Medi-Cal benefits can receive a reduced rate for assisted living. With facilities in California having a median cost of $54,000 annually, that’s a valuable benefit. However, not all facilities participate, so it’s important that seniors understand how to research assisted living facilities. Online search tools are a good place to start looking for a facility that meets your needs, but once you find one you like, you’ll need to check if it participates in the waiver program.

Get a roommate
Unfortunately, not every senior who needs help affording care qualifies for a waiver. If you could use help at home but don’t need nursing home-level care, consider a roommate. A roommate can be a housemate who splits the bills or someone who provides housekeeping and companionship in exchange for reduced rent.

Living on a fixed income forces you to get creative with your money, but it shouldn’t stop you from living well. If you’re having trouble affording the things you need to stay healthy, reach out to your Department of Aging and Adult Services to learn what resources are available to you.

Why Long-Term Care Coverage Is Vital

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The chances of you being in a position in which you can no longer take care of yourself are staggering. Seventy percent of people over the age of 5 will need some type of long-term care at some point, with 20 percent of them requiring it for a period of more than five years. If you have disability insurance, that doesn’t cover long-term care. I have heard some people grumble about the cost of long-term care insurance, which averages about $2,000 for a healthy, single 55-year old. The policy I have had in place since 2004 has premiums which will total $2,700 for 2017, and the premiums will increase to almost $2,900 next year. However, that’s a fraction of what I would have to pay if I didn’t have the insurance. The Genworth (the company I have my policy under) 2016 Cost of Care Survey reported that median annual cost of an assisted living facility is almost $44,000, and the median monthly cost of a private nursing home room is over $90,000.

I signed up for my policy shortly after my mother suffered from, and survived, a brain aneurysm in 2004. She was in a skilled nursing facility from 2006 until 2013, then was transferred into an assisted living facility. In a way, luck was on her side, because she had no financial resources and qualified for Medicaid and Medicare. She is now a participant in the ALW program. However, the bulk of her monthly Social Security benefit (less than $1,200) goes to the facility in which she resides. In no way was I willing to take the chance of relying on a government agency to rescue me in my elderly years if I find myself in need of long-term care.

I HIGHLY recommend securing long-term care insurance if you are over the age of 30. You cannot rely on the government to come to your aid if you end up requiring long-term care, and it’s unfair of you to expect loved ones to carry the financial burden of your care.

Living Solely On Social Security

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I just ran across an article which I was compelled to share. This should serve as a major wake-up call for those of you who assume that you will be able to support yourselves completely with Social Security benefits when you become old enough to draw those benefits. I have included the link to the article, as well as copied and pasted the body of Barbara Friedberg’s article here.

The sad reality is that though the person in this example is able to make ends meet with her Social Security check, people who live in cities like Los Angeles will probably spend the bulk of their Social Security check on rent alone, with very little money left for groceries and healthcare.

Regardless of where you live, put money aside for retirement so that you don’t find yourself in a precarious financial situation when you are older. Roth IRA’s are an excellent way to set aside funds for your retirement, and they grow tax-free over the years.

https://www.gobankingrates.com/retirement/buy-average-social-security-check/

By Barbara Friedberg | September 26, 2016

Somewhere, an older American — let’s call her Alison — is going to retire soon. She anticipates a Social Security check of $1,349.59, the national average as of July. She regrets not saving more for retirement, but has accepted the reality of her situation.

If you’re like Alison — facing retirement without a cash cushion — you’re in good company. In January, GOBankingRates.com surveyed a representative sample of Americans and found that among people 60 and older, just 26 percent felt they were financially on track for retirement. The remaining 74 percent within this age group lacked sufficient retirement savings. And among Americans of all age groups, a sobering 33 percent had nothing saved for retirement.

Anyone who tries to get by on Social Security income faces a lean retirement lifestyle. Here are questions to ask yourself before trying to stretch benefits as far as possible — and what you’ll realistically be able to afford.

1. How Much Home Can You Afford on Social Security?

Your Social Security check will stretch further if you find a cheap place to retire. Housing is the biggest expense most Americans face, according to BLS statistics.

Sun-loving Alison hopes to retire to an apartment in Tucson, Ariz. The median rent for a one-bedroom apartment is $575, according to Zillow. But let’s say Alison lucks out and finds an apartment for $540. She will spend 40 percent of her check on rent and will need to kick in a few extra bucks for utilities. So, rounding up, her monthly housing cost to $600 — leaving her with $749.59 of her Social Security check.

2. What Can You Eat on Social Security?

Dining at four-star restaurants is out if you’re living on Social Security. On average, roughly 12.5 percent of a consumer unit’s spending money goes toward food. In Phoenix — close enough to Tucson for our purposes — the average family spent $594 per month to eat in 2013-14, the most recent figures available from the BLS.

Phoenix averages 2.6 members per household, so we can estimate that the average person spends $228 per month to eat. Although Alison can splurge occasionally at a modest restaurant, living on Social Security means she will be eating at home most of the time.

Add up housing costs of $600 and $228 for food, and Alison is left with $521.59 of her Social Security check — a small sum for the remaining spending categories.

3. Can You Afford Healthcare on Social Security?

Alison might qualify for assistance in paying for her Medicare Part B premiums. Such aid would help her cover medical expenses, the No. 1 financial burden in the U.S. According to the government’s Medicare website, Alison’s monthly $1,349.59 check is beneath the income ceiling of $1,357 that qualifies her for assistance.

Medicare assistance benefits vary by state, so Alison should visit Medicare.gov and sign up for a conversation with someone from her state.

It will help if Alison can find ways to save on healthcare costs, such as purchasing generic drugs and using walk-in clinics instead of visiting emergency rooms. Assuming Alison qualifies for government help and is diligent about her medical spending, she can budget $150 per month toward medical costs. Alison now has $371.59 left in her budget.

4. What Type of Transportation Can You Afford While on Social Security?

Owning a car is expensive, especially on Social Security. The cost of operating a car can easily run into hundreds of dollars a month. With that price tag in mind, Alison has joined many other retirees by giving up her car.

Alison relies on public transportation services to get to doctor appointments. When going to the grocery store or meeting with friends, Alison uses the bus. On rare occasions, she splurges for a cab. She chose an apartment located near shops and restaurants. As long as her health holds out, she can walk to the grocery store and pharmacy.

Alison keeps transportation costs low at $100 per month. So, she’s now down to $271.59.

5. Can You Afford to Travel on Social Security?

After paying for necessities, Alison has $271.59 left for extras, which we describe in the next two categories. As you can already see, it is not easy to live on the average Social Security check.

With a tight budget, Alison and other retirees living on Social Security aren’t going on lavish vacations. Maybe Alison can afford a train or bus ticket to visit family, but cruises are out.

If travel is important to you, there are ways to squeeze it into the budget. Pairing up with family and friends can make travel a possibility. Camping vacations in state parks are economical. There are also many free events across the country.

6. Will You Earn Enough in Social Security to Cover Other Costs?

Remember, after spending for necessities, Alison was left with just $271.59 in her monthly budget. The amount of money she can spend in this final category — which includes entertainment — will largely depend on how much cash she earmarks for travel. She might be able to afford the occasional $1 movie at Redbox, but it’s unlikely she’ll be able to pay for the newest iPhone 7.

Finally, Alison will need a small cash cushion to cover emergencies. If she’s especially frugal, she might even have a little money left over to give to her favorite charity.

While Alison can make ends meet on her Social Security check, it won’t be easy. So, if you are a little younger than Alison, try to learn from her mistakes. Save a bit more today so you will have a greater sense of financial security in retirement.

My Oldest Patient

drstaceynaito Leave a comment

Shortly after I completed my residency training in family medicine in 2004, I worked briefly for a company which offered mobile physician home visits. Though I soon realized that driving to patients wasn’t my thing, I definitely met some very interesting people during that time.

My favorite and most memorable patient from my mobile medicine days was an elderly woman, aged 105. During my hospital days, I had seen and treated a number of centenarians, but this woman was the oldest. I was called upon to visit this woman’s home (I’ll call her Mary) to perform a blood pressure check and manage her hypertension. She lived in a charming duplex which was erected circa 1905. I knocked on the door and when the door opened, a friendly middle-aged man greeted me and introduced me as Mary’s caregiver (let’s name him Tim).

The interior of the duplex was a time capsule. I honestly felt like I had stepped into the 1920’s, because everything in the place was from that era: lamps, paintings, coffee cups, pens, furniture, curtains, pillows, etc. As my eyes scanned the room, I saw Mary sitting in a large chair with a walker in front of her. Mary’s face certainly was old and her body was frail, but she possessed fire in her eyes and a sassy attitude to match. I thought of how this woman, born in 1899, was witness to three different centuries, as a result of the year she was born as well as the longevity which extended her time on planet Earth far beyond that of the average person.

Mary smiled at me and motioned for me to come over.
MARY: “Well you’re a pretty young lady…what’s your name?”
ME: “Hello Mary, I’m Dr. Naito.”
MARY: “DOCTOR??? DOCTOR??? Tim, what have you tricked me into? Why do we have a doctor here?” Mary’s brow was furrowed.
TIM: “Well Mary, since you refused to take your blood pressure medicine, and since your blood pressure reading was very high today, I had to call the mobile doctor service to come see you. Now be nice to the doctor, will you please?”

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At this point I asked Mary if I could take her blood pressure again, and she consented. I took her blood pressure reading: 175/95. I began to ask Mary questions: was she in pain anywhere, did she have a headache, was she dizzy, was she nauseous, was her heart racing, was her vision blurry? I took her pulse: 78 and steady. Mary had no complaints. I then conducted a physical exam on her, which was completely normal. I then asked Mary if she would please take her blood pressure medication immediately, to which she also consented. Once Mary took the medication, I informed her that we would wait about 30 minutes to assess her response to it. She responded by saying, “Well I like you, young doctor! We’re going to have a nice chat!”

The next 30 minutes were incredibly fascinating and funny as Mary settled into a stream of vignettes about her life, focusing mostly on her days as a true flapper, wild and carefree, wearing short dresses, “necking” with handsome young men, hanging out in jazz clubs, and being a general troublemaker. One of those young men managed to steal her heart, and they married in 1922. She spoke about how she became an actress quite by accident when her husband, who was a Hollywood film producer, began to cast her in his films. Mary and her husband were more interested in traveling the world and investing their money than buying an expensive home, so they lived in their modest duplex from 1922 until his death almost 60 years later, and Mary refused to move into an assisted living facility when she became an invalid. It was the same duplex I was visiting that day.

After thirty minutes of hearing the most engaging stories about Mary’s life, I didn’t want to interrupt her. But I was working, after all, so I told her I needed to re-take her blood pressure. This time it was 138/7 and Mary was still completely asymptomatic. I told Mary that it was time for me to go and began gathering my supplies.
MARY: “Oh no you don’t! You’re going to drink a martini with me. It’s my nightly ritual. Been doing it since I was 20 years old.”
ME: “Every night since 20?”
MARY: “Yes indeed. It’s kept me sane all these years, and I enjoy it.”
ME: “But I need to drive over the hill, and it’s rush hour.”
MARY: “Oh please! Now stop complaining and just sit. Tim, make my usual times two.”

After several minutes Tim emerged from the kitchen with two double gin martinis. I don’t like gin, but I wasn’t about to complain or refuse to drink the martini. Mary and I (actually, she talked and I listened) continued to talk for another 30 minutes while sipping on our cocktails. The martini was STRONG but well made, so I continued sipping. Mary polished off her entire martini like the martini drinking expert she was, and motioned to me when she took her last sip. “Well, dear? You’ve got some left in there.” I had to finish the last couple of sips of my martini while Mary watched me, making sure I did so. Once I did, she smiled warmly. “That’s my girl!”, she beamed.

I gathered my belongings and said goodbye to her, and when she motioned for a hug, I walked over to her and wrapped my arms around her. She hugged me and patted my back with her hand.

I never saw her after that.