Search our Blog

Search our Blog

Friday, April 12, 2024

Seniors Fight Skin Damage with Sunscreen — And why European Sunscreen is Better



America is great at many things, but sunscreen isn’t one of them. Why you might want to get yours from another country. 


Many older adults were born in the generation that worshiped tans. Remember “Tan don’t burn – it’s a Coppertone tan”? Or slathering ourselves with a mixture of baby oil, Coke, and iodine and then “laying out” for hours to get really dark? We can hardly bear to mention tanning salons. Boy, were we ignorant!

Sun Damage

You probably know by now that sunscreen with a high SPF, or sun protection factor, is important to wear whenever you’re outside. Brown spots, wrinkling and visible blood vessels are the result of spending time unprotected in the sun. Up to 80% of skin damage we think of as aging is due to the harmful effects of the sun, according to dermatologist Fayne Frey, author of "The Skincare Hoax".  

Best Broad-Spectrum Sunscreens 

If you don’t plan on heading to Europe anytime soon, you can still get some eco-friendly sunscreen online or at your neighborhood store that blocks both UVB and UVA rays. Here are some to try:

  • Alba Botanica Sport Sunscreen. This feels great on your skin, won’t turn you white and is safe for coral reefs. 
  • Coppertone Pure and Simple Sunscreen Lotion. This broad-spectrum product uses naturally sourced zinc oxide as its active ingredient.
  • Hawaiian Tropic Everyday Active Clear Spray SPF 30. This water-resistant formula leaves no white cast. It’s also non-greasy and won’t clog your pores.
Even worse, UV radiation is responsible for damaging DNA in our skin cells. When this damage builds up over time, the cells may grow out of control, often leading to skin cancer. The majority of skin cancer is detected in people over 65. That’s why older adults have to be especially careful about protecting their skin. Melanoma, the most deadly form of skin cancer, is most frequently found in adults aged 65 to 74, according to the Centers for Disease Control and Prevention.

UVA Rays

But you may not be aware that most American sunscreens are notably bad at blocking UVA rays. These won’t burn the skin like UVB rays, but they cause aging, suppress the immune system and help skin cancer to develop.  

Most sunscreen sold in the States couldn’t get on the shelves in Europe. In fact, Food and Drug Administration (FDA) testing revealed that American sunscreens varied significantly in their UVA protection, even when the number on the label was the same. 

In the US, sunscreens are treated as non-prescription drugs. That means their ingredients are subject to the same long review process as cancer treatments and every other drug under the umbrella of the FDA. The companies that make ingredients to block UVA and UVB rays have not produced the expensive safety testing requested by the FDA. There has not been a new sun filter approved in the US since 1996, despite makers having asked to use eight chemicals developed and now in use in Europe.

You might think that the FDA is just keeping us safe. But their process has resulted in sunscreen where the SPF label is misleading, and which may have no ability to block UVA rays.

More Approved Ingredients in Europe

Across the pond, sunscreens are regulated as cosmetics. That has resulted in 34 sun filters approved for use in Europe, versus only 16 stateside. Furthermore, in countries under European Commission regulations, drug manufacturers have opted to comply with a recommendation that sunscreens have UVA protection at least one-third as powerful as the advertised SPF, which really refers only to UVB protection. So, a sunscreen sporting a 30 SPF label would have at least 10 SPF against UVA rays.

And that is why when a British researcher tested four US sunscreens and four available in Europe, he found the average US product allowed three times more UVA rays to penetrate than its European counterparts. 

Sunscreen Safety

Are the chemicals used in US sunscreen in any way safer? According to the FDA’s 2021 proposed order to strengthen UVA protection, only zinc oxide and avobenzone provide strong protection against UVA rays. But that same order declared only two products, zinc oxide and titanium dioxide, allowed in US sunscreen to be safe and effective. Many dermatologists recommend avoiding avobenzone and five other US sunscreen products. 

US sunscreen manufacturers have sought to use eight products developed in Europe, four of which (Tinosorb S, Tinosorb M, Mexoryl SX and Mexoryl XL) are more effective and likely more stable than avobenzone. Although the European Commission has studied and approved these drugs, the FDA is not satisfied. Many hope the FDA will allow some of these products, which have been used for many years in Europe, to be used in the US while testing is ongoing. 

Best US Sunscreen

What’s an American to do? Be sure to buy only sunscreen that is labeled “broad spectrum”. This means it offers protection against both UVB and UVA rays. Spend the extra money it may require to get a product with zinc oxide. Avoid products that contain oxybenzone, octinoxate and avobenzone. They can soak through your skin, enter your bloodstream and change your hormone levels. These chemicals may also irritate your skin, and they are not reef safe.

While it seems unlikely that change will happen anytime soon here at home, you can tell friends traveling abroad to skip the tchotchkes and load up on sunscreen – and bring some back to you, too.



Posted by at

Cheapest Ways for Seniors to Book a Flight



If you think you know the best and only place to check for inexpensive flights, get ready to be enlightened. We fill you in on the best tips for stretching your air travel dollars.


Welcome to booking a flight in 2024. It’s so much more than going to one site and loading your travel dates and destination! While that’s still possible (and we give you the best single site for doing just that), you need to have a lot more tricks up your sleeve for finding a good deal. 

It can be overwhelming trying to figure out how to find a good deal on the internet. There’s just so much information, it’s easy to throw up your hands and fall back on booking your favorite airline regardless of price. Well, grasshopper, Senior Spirit is here to give you just enough savvy ins and outs so you can feel comfortable going a step or three further on your search to save money. 

Google Flights

Let’s start with the basics. The best one-stop shop is GoogleFlights, where you can check for prices on domestic and international air. Google Flights will tell you when the window for booking the lowest price for a given trip usually occurs, and if the prices you’re looking at are typical, high or low compared to the average. Just enter your dates and destination, tap “Done” and you’ll find the information above your airline options.

Incognito Mode

But you’ll want to go way beyond Google if you’re at all serious about saving money. Did you know that after you’ve searched for fares a time or two, the cookies in your browser will automatically increase the price? To avoid this, always use private browsing mode (incognito) every time you search for airfare. In Safari and Chrome, hit “Command” (“Control” on a PC), “Shift” and then “N”. For Firefox or Internet Explorer, replace the “N” key with a “P”. This opens a new window where your information isn’t tracked. And be sure to open a new incognito window every time you start a search to erase any saved cookies.

Skyscanner and Momondo

While Google Flights is adequate for a start, you can up your game by comparing prices offered on Skyscanner and Momondo. These search engines take minimal cuts and feature the largest amount of flights to choose from. Seasoned travelers use these two to find the consistently lowest fares.

To find the dates with the lowest fares on Skyscanner, enter your departure and arrival airports and click on “One Way” (even if you want a round trip). Click “Depart” on your computer, but rather than selecting a date click on “Whole Month” and then “Cheapest Month” before tapping “Search Flights”. Repeat for your return flight. Skyscanner can help you stumble on error rates, when an airline has accidentally inserted an incorrect (lower!) fare. 

Unexpected Destinations

Try using Kiwi.com to stimulate your wanderlust. Just enter your departure city and a date range. A map will appear with prices of flights listed to dozens of countries from your departure point, and a list sorted from cheapest to most expensive destinations pops open. Pretty amazing, right? Maybe you’ll find a deal on Sri Lanka or New Zealand, or at least pique your interest in some novel destinations. The true beauty of Kiwi is that it will mix and match airlines, including budget airlines, to get you the least expensive price.

And in case you were wondering, Kiwi offers its own guarantee that you will be able to make those connecting flights between different airlines. They’ll also book bus and train connections, and the guarantee covers those modes of travel, too. 

Layovers as Destinations

Many flights to points beyond use Hawaii as a refueling stop. If you’re going to a Caribbean island, you may pause in Puerto Rico. Longer journeys often give you the opportunity to get a rest and visit another place by extending that layover to a couple of days or more. As seniors, it’s often more restful to cut a longer journey into shorter pieces. If you’re booking a trip and see that you have a layover somewhere interesting, book the journey yourself in legs so that you can spend more time at your stop. 

Error and Sale Fares

Try Going (US flights) or Dollar Flight Club (International) to find super discounted fares. Both sites comb through prices to find those that are super cheap deals. Make a free account or bump up to premium to get deals sent to your inbox. 

Budget Airlines

To get a great deal, you should look beyond the major carriers to budget airlines. Just know that there may be caveats such as an extra charge for baggage or check-in requirements. Check this list of what to know before you fly with a budget airline. Many are located in the US, including Allegiant and Southwest, which offers a credit card that can earn you a free companion pass. 

Benefits and Credit Cards

Speaking of credit cards, you should always check out the benefits that are available with either one you get that is branded with an airline you fly often, or a general travel card such as Chase Sapphire.  You can often earn points for free flights, get priority boarding and/or a free drink onboard, or other perks such as a free or reduced rate for luggage. When you use the card to book, you generally get 2% to 4% cash back. We always like to mention that you will only benefit from a credit card if you pay it off in full every month. 

We hope that this page has inspired you to book a trip! There’s plenty of information here to help you save hundreds of dollars. But if you yearn for a list of every budget airline and the most obscure budget-friendly tips, we recommend you read the Thrifty Nomads blog. These two adventure-loving friends have traveled the globe to bring you great advice on trip planning. 

Yes, they’re youngsters, and you may not feel quite as comfortable stretching yourself as they do. But it doesn’t mean you can’t take advantage of trying a new search site, using incognito mode, or checking out credit card offers to get you on your way at a lower price! 





Posted by at

Thursday, April 11, 2024

10 Best Towns and Cities for Retirement



We profile some of the top-rated communities for retirees in the US based on criteria important to seniors.


Older adults are attracted to neighborhoods with a variety of amenities nearby. They’re looking for affordability, health care, safety, cultural opportunities, and walkability. Senior Spirit gathered up some of the top-rated areas, including small towns and big cities. Some of the locations might surprise you. Yes, Florida is represented … but so are Pennsylvania and New York. 

We’ve put together a list that takes into consideration cost of living, access to senior housing, activities and transportation, crime data, and attractions (including those the grandchildren will love). Let’s get started!

  1. Fredericksburg, Texas. Located in the beautiful hill country north of San Antonio, Fredericksburg shows its German roots through the town’s food and culture. German influence also shows up in the city’s architecture, which features local limestone. There are more than 100 wineries nearby, as well as old peach orchards. It’s a certified Dark Sky Community, so stargazers can enjoy enhanced views of celestial bodies. Fredericksburg is something of a tourist town, so you’ll find plenty of restaurants, museums, and entertainment. If you feel like hitting the big city, a journey to San Antonio or Austin is less than 70 miles away. 
  2. Stroudsburg, Pennsylvania. If you’re in search of a quiet town with under 10,000 inhabitants, Strasbourg may fit the bill. Located in the rolling Poconos Mountains, this charming village mixes historical architecture with restaurants, galleries and antique stores that attract tourists. Visit the Monroe Farmers Market for local produce, honey, and baked goodies. Or check out the Quiet Valley Living Historical Farm, where an August arts and crafts celebration makes this living history museum buzz with activity. 
  3. Asheville, North Carolina. Known as the “Paris of the South,” Asheville has a thriving food and arts scene. It’s also home to more breweries per capita than anywhere else in the US, as well as the Biltmore Mansion, the sprawling former home of rich American industrialists. Dubbed “America’s new freak capital” by Rolling Stone nearly a quarter of a century ago, Asheville has grown into a charming magnet for those who like local produce and wearing boots and a puffer to dinner, as well as a well-heeled crowd looking for a touch of class in the heart of Appalachia. 
  4. Port St. Lucie, Florida. If you’re searching for coastal living with a laid-back vibe and subdued way of living, this may be your spot. Located on the Atlantic coast between Orlando to the north and Miami to the south, you’ll find great golfing and health care. The Spruce Bluff Preserve is a great place for hiking, birding, and even setting a canoe in the water. The city has a rich history, but was only developed in the last century. 
  5. Lancaster, Pennsylvania. Situated in Amish country, large farms extend right up to suburbia. The rolling hills are home to a burgeoning coffee culture. With eight four-year colleges and universities there are plenty of cultural opportunities. It’s also the county seat and can claim fame as one of America’s original inland cities. Mars Chocolate North America is headquartered in Lancaster – head down the road to nearby Elizabethtown for a factory tour! 
  6. New York City, New York. True, the cost of living in the Big Apple is pricey, but have you thought about the action right out your doorstep or just a subway ride away? You’ve got Broadway, for heaven’s sake, and a hundred little comedy clubs and some of the best eating in the entire world. Tired of city life? Take a long, long stroll in Central Park or hop on a train upstate. An added bonus is world-class health care. Maybe it’s not forever, but how fun to immerse yourself in one of the world’s most vibrant cities?
  7. Ann Arbor, Michigan. It does get cold and snowy in Michigan. But if you can get past that, you’ll want to check out the city for its cultural core, headed by the University of Michigan, which has spawned thriving coffee shops, bookstores, and restaurants. There’s also a thriving tech scene, plenty of public parks and a low crime rate to recommend the city. If you’re looking for a full-on city experience, a renewed Detroit isn’t far away. Ann Arbor is a study in contrasts, both urban and rural, highbrow and outdoorsy, rebellious and toney. 
  8. Winston-Salem, North Carolina. Although retaining its Southern charm, “Winston” has an international flair buoyed by a slew of festivals and a wide variety of cuisine. Gnaw on some Carolina barbeque or opt for Indian curry before grabbing Greek pastry to go. The city has not seen a population explosion like some of its urban neighbors, allowing it to retain a hometown feel. Instead of knocking down old brick factories and warehouses, the buildings have largely been repurposed into loft living or entrepreneurial spaces, maintaining a historical feel.
  9. Youngstown, Ohio. You might not think of the Rust Belt when you muse over possible retirement destinations, but think again. Located between Pittsburgh and Cleveland, Youngstown is experiencing a rebirth. Organizations such as the Youngstown Development Corporation are ushering restaurants, galleries and shops into urban areas that once were blighted. Surrounded by farmland, including Amish areas, there’s a thriving market for local produce and it’s a quick trip to get out of the city. 
  10. Melbourne, Florida. If you’re a fan of watching rockets lift off into space, this may be the place for you. Cape Canaveral is close enough that you’ll be able to see launches carrying satellites and headed to the International Space Station from your backyard on clear days. When you tire of that, head over to the Eau Gallie Arts District after checking out their calendar of year-round events and festivities. The historic downtown is lovely, or you can head to the 155-mile Indian River Lagoon. If you’d prefer time on the ocean, you can surf, kayak, boat, fish, or watch manatees.




Posted by at

Wednesday, April 10, 2024

Treat Your Computer Well for a Lasting Relationship



Your trusty laptop or desk computer is there for you – until it’s not. Are you treating your computer with the care it deserves for maximum performance and a long life?


Let’s face it, most of us get a little complacent about taking care of our computer. Tech nerds aside, it’s a good idea to refresh your memory about how to take care of one of the most expensive pieces of equipment you’ve got, and one that you rely on all the time. Check to make sure you’ve been treating your equipment well.

Sleep, Hibernate, or Shut Down


Sleep is the best choice if you’ll be using your computer again after a few minutes, a few hours, or overnight. Your computer can start up much faster, right where you left off. Hibernation is the better option if you’re concerned you won’t be able to charge it again for a while. All of the open programs and data will be saved to the hard drive, so it takes a little longer for your computer to wake from hibernation than when it is just sleeping. 

Shutting down is the right choice if you use the computer only once in several days or if you or someone else will be performing maintenance. It’s also perfect for plane travel when it will be stored, or when you will be away from it on vacation. When your computer is shut down, all your open programs close and your operating system turns off. Your computer will use the least power, but it will take longer to start up again than from sleep or hibernation. 
  • Use anti-virus software. Good anti-virus programs stop hackers and virus attacks from a variety of sources. This is not a place you want to skimp. A good program will scan regularly in the background and alert you to trouble. Getting hacked puts you in a world of hurt, so bite the bullet and buy a great program, such as one of these recommended by PC Magazine. 
  • Care for the battery. Resist the temptation to plug in your PC when the battery goes down to 50%. You can prolong the life of your battery by letting it run down before charging it back up. After all, the reason you have a PC is to use it wirelessly.
  • Keep it clean. If you’re somebody who eats while hanging over the keyboard, stop. And by now you should know that holding a cup of coffee, or any liquid, over your device is just calling for big trouble. First, turn off your computer and wait for the screen to go black. Use rubbing alcohol to clean your keyboard before gently using a can of compressed air held about an inch away and pointed at an angle to spray away dust, dog hair and dirt. Most screens should be cleaned with a soft cloth bought just for your computer and rubbing alcohol.
  • Use a case or cover. Use a padded laptop cover or sleeve all the time, except when cleaning. This will protect it from nicks and dings. If you’re taking your PC to the library or on a trip, you’ll want to have the additional padding of a messenger bag or backpack to tuck it into.
  • Defragment and declutter. Mac users can skip this step; Apple PCs do it automatically. Click here to find the short steps to defragment in Windows. Clear your browser and downloads on a regular basis, such as monthly. These actions perform housecleaning and help your computer to run faster.
  • Avoid using too many programs or tabs at once. You will overload your computer if you open multiple programs and/or tabs, especially if it doesn’t have a lot of memory. Bookmark tabs you need to keep handy instead of keeping a window open.
  • Update your passwords. It’s pretty much a given that with all the usernames and passwords we need to know, you should either get a password manager or use the Keychains feature on your Mac. And don’t even consider keeping passwords like 12345 or using the same password on multiple sites. It’s way too risky. Instead, use a longer password with uppercase, lowercase, numbers and at least one special character. 




Posted by at

Sunday, April 7, 2024

What Fingernails Can Tell Seniors About Their Health



Did you know that the color, thickness and shape of your nails can reveal diseases or other issues you might be having? Here’s what to look for.


Your fingernails can show you problems you might be having in other parts of your body. Crazy as it may sound, you can look for changes in your nails to show you potential medical conditions you may be dealing with, including issues with your liver, lungs, and even your heart. While usually these changes are due to lifestyle or an injured nail, they may be the result of disease or a nutritional imbalance. 

Why Do My Nails Have Ridges?

Vertical ridges, from the base of your nails to the tip, are often caused by age. As such, they’re nothing to worry about from a medical perspective. However, these ridges are sometimes the result of a skin condition such as eczema or psoriasis. They may be caused by an autoimmune disease, nutritional deficiency (iron, zinc or vitamin A), thyroid disease or alopecia. Check with your doctor if you think the ridges on your fingernails may have a cause besides getting older. 

To get rid of ridges, try moisturizing your nails. Use a cream or oil that contains ceramides or alpha hydroxy acids to trap moisture. If your nails are very dry and brittle, moisturize at bedtime and cover with a pair of cotton gloves while you sleep. And avoid washing your hands too often or putting them in water, since that actually has a drying effect. 

Clip and file your nails to keep them neat and on the short side, but always leave a bit of the white showing to allow for regrowth between trims. Avoid biting your nails, since that is traumatic to the area. Ditto for pushing back the cuticle.

You can gently buff the ridges out to make your nails look smoother. Just keep it to once a month or so; buffing thins the nail plate and can lead to split or broken nails.

Healthy nails are pinkish in color, smooth and firm, with a pale half moon located at the base. If your nails look different than this, you may want to consult a health professional to find out why. Here’s what to look for, starting with nail texture and firmness:

  • Thin or soft nails are most often the result of over-exposing them to detergent or nail polish remover with acetone. However, it could also be due to low levels of B vitamins, calcium, or iron. 
  • Cracked, split nails may be the result of immersing them in water too often, such as when you bathe grandchildren or wash dishes. They are sometimes linked to thyroid disease.
  • Peeling nails normally occur after trauma to the nail bed. Perhaps you used your fingernails to open some packages, or you were picking off old fingernail polish. Oversoaking can exacerbate the condition.
  • Pitted nails, when they are covered with tiny indentations, may be the result of psoriasis or alopecia areata, an autoimmune disease that also induces hair loss.
  • Spoon nails have a “scooped out” look. They may be caused by anemia, hypothyroidism, or liver problems. Contact your doctor to find the cause.
  • Horizontal ridges are most often the result of trauma before the nail had grown out. Known as Beau’s Lines, these could also be the result of previous high fever, vitamin deficiency, diabetes, or peripheral vascular disease. Another cause can be chemotherapy drugs.
  • Curved nails are part of a long process that develops over years, not days. The fingertips enlarge and the nails swell to grow around them. This condition can be inherited, or it may be due to lung disease, inflammatory bowel disease, cardiovascular disease, or liver disease. Check with your doctor to find the cause.
  • Ram’s horns refers to thick, overgrown nails and can be inherited, or the result of psoriasis or poor circulation. If you have this condition, you need a specialist to trim your nails and treat the underlying cause.
  • Nails can fall off due to an injury or infection. It may start with all or a portion of the nail turning white, green, or yellow and becoming tender or painful. The nail usually falls off in a matter of weeks and regrows from the base. This condition may also be linked to psoriasis. If the nail fails to grow back in normally, see your doctor.

Nail color can also be an important indicator that something is amiss. It may be inconsequential, but it could also be linked to a health condition. Check if you notice any of the following:

  • White spots are usually the result of injury, such as whacking your fingernail on something or getting rough or repeated manicures. If you have white spots but never experienced any trauma, you may have to consider whether you have a zinc deficiency, a fungal infection or allergic reaction. 
  • Blue fingernails are an indicator that your body lacks oxygen. This can be caused by heart disease or emphysema. If you don’t already have a diagnosis and your nails take on a blue tinge, see your doctor to check on the cause.
  • Yellow nails are fairly common and most often caused by staining from nail polish or smoking. If it’s related to a fungal infection, the nails themselves will thicken and crumble. Other possible causes include rheumatoid arthritis, respiratory disease, thyroid disease, and diabetes.
  • Dark vertical lines underneath the nail bed may be caused by melanoma, a serious skin cancer. Have a dark line checked out right away by your doctor. 

To see actual photos of many of these conditions, go here.

Usually, some other indicator of disease or condition will already have alerted you to a problem before you notice a change in your nails. However, if you do see something you can’t explain then it’s a good idea to check in with your doctor to make sure nothing new is going on.


Posted by at

Wednesday, April 3, 2024

Famous & 65

Look who's turning 65 this month

Find out which celebrities are turning 65 this month!


Image Source: Wikipedia

April 15 - Emma Thompson, actress and screenwriter  

Do you remember watching “Howard’s End?” How about “In the Name of the Father” or “Fortunes of War”? Dame Emma Thompson is a national treasure belonging to the Brits, and the winner of two Academy Awards, three BAFTA Awards, two Golden Globes, and a Primetime Emmy Award. Queen Elizabeth II made her a Dame of the British Empire in 2018 for her contributions to drama.

Lacking conventional good looks but possessing an inner resolve and likeability, the daughter of two actors “was surrounded by creative people” and believes her career was fated. When Thompson’s father died at the age of 52, the family was “torn to pieces” she recalls. “At the same time, it's possible that were he still alive I might never have had the space or courage to do what I've done ... I have a definite feeling of inheriting space. And power.”

She is one of the wave of British actors that defined the 90s, including Judi Dench, Kate Winslet, and Helena Bonham Carter. Her outwardly composed, inwardly roiling character portrayals have been compared to those of Maggie Smith. She has been lauded for playing roles that show “restraint, rendering emotions through intellect rather than feelings, and a sense of irony, which demonstrates the heroine's superior understanding" wrote author Karen Hollinger.

Long married to fellow actor Greg Wise, Thompson’s love life was not always so steady. A previous marriage to actor and director Kenneth Branagh lasted only six years. In blockbuster “Love Actually”, Thompson plays a wife who discovers her husband has strayed. The scene where she breaks down has been described as the best crying scene in a movie, ever. Thompson explained, "I've had so much bloody practice at crying in a bedroom, then having to go out and be cheerful, gathering up the pieces of my heart and putting them in a drawer."

But to see the actor in perhaps her finest role, look for the HBO television film “Wit”. Thompson plays a Harvard University professor whose beliefs are challenged when she gets diagnosed with ovarian cancer. After spending months in rehearsal and shaving her head for the part, Thompson’s performance was dubbed her finest work by film critic Roger Ebert. It was “one of her most brilliant performances,” according to The New York Times film critic Caryn James. “We seem to be peering into a soul as embattled as its body.”






Image Source: Wikipedia

April 18 - Jim Eisenreich, outfielder and first baseman, Tourette syndrome

A top slugger, Jim Eisenreich batted .318 in his first season with the Philadelphia Phillies to help propel the team to win the 1993 National League pennant. As the Phillies began a slide toward a major slump, Eisenreich remained a bright spot. In 1997, he signed with the Florida Marlins, helping them win a World Series in only their fifth year. Eisenreich maintained a career .290 batting average across 1,422 games in 15 seasons, a remarkable achievement. But it wasn’t his greatest feat. 

Starting in early grade school, Eisenreich began having a series of tics: eye blinking, sniffling, shoulder twitches, facial grimaces, and grunts. He was called “hyperactive”,and other children stared at him and giggled. He became self-conscious and embarrassed. The tics continued into adulthood and followed Eisenreich onto the field.

“I got self conscious as a major league player, thinking, ‘Are they watching me play? Are they watching me do all my tics?’ That was difficult for me,” he explained. “At the time, I still didn’t know what Tourette’s was and was getting embarrassed and, honestly, scared.” At age 23, he took several years out of his baseball career for treatment, finally returning to the game with the Kansas City Royals. 

Eisenreich started a foundation to share his story and help kids with Tourette’s achieve their dreams. Children are encouraged to start the school year by telling their teacher and classmates about their condition. “I kind of make a joke of this but, in my day, I was the oddball,” said Eisenreich. “Nowadays, it’s almost that if you are a little different, you’re cool. You’re normal. And that’s a good thing.”






Image Source: Wikipedia

April 24 - Yvonne Cagle, physician and NASA astronaut

Holding the distinction of being one of six Black women astronauts, Yvonne Cagle had already distinguished herself by getting a medical degree from the University of Washington in 1985 after majoring in biochemistry at San Francisco State University. She also earned a certificate of Aerospace Medicine from the School of Aerospace Medicine at Brooks Air Force Base.

Cagle was a commissioned medical officer assigned to the 48th Tactical Hospital in the United Kingdom before serving as Air Force Medical Liaison Officer on a mission to test the Magellan spacecraft prior to becoming an astronaut. She was a member of the Astronaut Class of 1996. 

After retiring from the Air Force with the rank of Colonel in 2008, Cagle concentrated on her duties with NASA. She is an advisor to NASA’s Flight Opportunities Program and is on faculty as well as serving as the liaison for exploration and space development with Singularity University. Although she never flew in space, Cagle embedded with a flight crew as training consultant and advisor. 

Cagle became a visiting professor at Fordham University prior to the university awarding her an honorary Ph.D. for contributions to the fields of science, technology, and human health. Her list of adjunct professorships includes Stanford University and UC Davis. She remains a NASA Management Astronaut, employed by NASA but no longer eligible for spaceflight assignments. 



Posted by at

Thursday, March 14, 2024

10 Spring DIY Crafts to Enjoy with Your Kids or Grandkids

As the flowers start to bloom and the weather becomes more inviting, it's the perfect time to channel your inner creativity and engage in some delightful spring DIY crafts with your kids or grandkids. From vibrant paper flowers to adorable bird feeders, these projects are not only fun but also an excellent way to bond with your little ones. Let's dive into 10 spring-inspired DIY crafts that will bring a burst of color and joy into your home.

1. Paper Plate Butterflies:


Transform ordinary paper plates into beautiful butterflies with a splash of paint, some googly eyes, rhinestones, and pipe cleaners. Let your kids or grandkids mix and match colors to create a kaleidoscope of fluttering creatures that will brighten up any room.


2. Egg Carton Flower Wreath:


Repurpose empty egg cartons into a garden of blooming flowers. Cut the egg carton cups into different shapes, paint them in various hues, and attach them to a ring. Attach them with hot glue for a charming and everlasting bouquet.


3. Nature Collage Frames:


Take a nature walk with your little ones to collect leaves, flowers, and small twigs. Use these treasures to create beautiful collages within picture frames. This simple project not only showcases your child's creativity but also celebrates the wonders of the season.


4. Rainbow Windsocks:


Celebrate the vibrant colors of spring by crafting rainbow windsocks. Use colored paper or fabric to create strips that can be attached to a paper towel roll. Hang these cheerful windsocks outside to dance in the spring breeze.


5. Ladybug Rocks:


Transform ordinary rocks into adorable ladybugs with a bit of paint. Let your kids experiment with different colors and patterns to create a whole family of charming critters. These ladybug rocks can be scattered around the garden for a whimsical touch.


6. Tissue Paper Cherry Blossoms:


Create a stunning display of cherry blossoms using tissue paper. Cut pink and white tissue paper into small squares, crumple them, and attach them to tree branches using glue. Your kids or grandkids will love watching their blossoms come to life in a burst of color. Check it out here!


7. Butterfly Magnets


Bring the magic of butterflies indoors with this delightful magnet craft. Provide your kids with butterfly templates or let them create their own designs on colored paper. Attach a small magnet to the back, and voila! You'll have a collection of vibrant butterflies to add a touch of spring to your fridge or any magnetic surface. Watch as your little ones proudly showcase their fluttering creations.


8. Springtime Sensory Jars:


Engage your child's senses by creating spring-themed sensory jars. Fill clear jars with items like flower petals, grass, or even a drop of essential oil for a fragrant touch. Seal the jars and let your little ones explore the different textures and scents of spring.


9. Fingerprint Cherry Blossom Tree:


Capture the essence of spring with a fingerprint cherry blossom tree. Use brown paint for the tree trunk and let your child create delicate blossoms by dipping their fingertips in pink paint. This craft not only produces a beautiful piece of art but also makes for a cherished keepsake.


10. Bird Feeder Craft:


Encourage a love for nature by crafting simple bird feeders. Coat pinecones in peanut butter and roll them in birdseed. Hang these tasty treats in your backyard and watch as colorful birds flock to enjoy a springtime feast.


Spring is the perfect season to embrace creativity and spend quality time with your little ones through DIY crafts. These 10 projects not only bring a burst of color and joy into your home but also provide an opportunity to learn, bond and appreciate the beauty of nature. So, grab your crafting supplies and let the springtime creativity bloom!





Brought to you by Tara Schumann, Digital Media Specialist for The Society of Certified Senior Advisors.

Posted by at

Wednesday, March 13, 2024

Beyond Fosamax: Options for Osteoporosis



Osteoporosis is widespread in the senior community, and there is no cure. What options are available to someone looking for more than the usual prescribed drug?


Half of Americans aged 50 and up have low bone density (osteopenia) or full-blown osteoporosis. It’s more common in women (especially after menopause), but guys, you are not immune. A man is more likely to break a bone due to osteoporosis than to get prostate cancer, according to the Bone Health and Osteoporosis Foundation. In fact, the disease causes two million broken bones every year.

Currently, there is no cure. Patients are most often prescribed Fosamax, a biophosphonate that can slow bone loss. However, it has a host of potential side effects including problems with your esophagus and stomach. In rare cases, it may actually cause bone loss in the jaw or femur. 

How is Bone Density Measured? 

There’s a simple way to measure bone density called a DEXA scan. It’s an imaging test that uses very low-level x-rays to show bone health. It’s quick, lasting about 25 minutes, painless and low-cost. Medicare will pay for a DEXA scan every two years, or more if you have special circumstances.

Many older adults with bone loss understandably look further afield for ways to stop the progression of this common disease. Two regimes that are widely supported within the medical community concern diet and exercise. We also examine jump exercise, the use of a weighted vest, aqua therapy, and the use of a vibration plate. Lastly, we look at OsteoStrong clinics.

Osteoporosis Diet

Foods that are good for bone health include dairy products such as milk, yogurt and cheese. Fatty fish like salmon and tuna rate highly, as do many fruits and vegetables. Go here for a complete list. There is some research suggesting that olive oil, blueberries, soybeans and foods containing a lot of omega-3s, such as fish oil and flaxseed oil, provide benefits. 

Foods to be aware of include beans, which contain phytates that can interfere with calcium absorption. And while getting enough protein is important, special high-meat diets can cause your body to lose calcium. Eating too much salt can also cause your body to leach calcium, so aim for a maximum of less than 2,300 mg per day. Oddly, 100% wheat bran decreases calcium absorption. If you eat bran cereal as a “healthy” breakfast option, be aware that it’s preventing your bones from using much of the calcium in the milk you pour over it.

Not surprisingly, heavy drinking is not advised for those with bone loss since it can result in further erosion. Coffee, tea, and soft drinks can decrease calcium absorption. Although the carbonation in soda isn’t harmful, it appears the caffeine and phosphorous (listed as “phosphate” or “phosphoric acid”) can be. Some studies show that colas, and not other soft drinks, are the culprit. Finally, it may just be that replacing milk and other calcium-fortified beverages is the root problem.

Osteo Supplements

Whenever you consider supplements, it’s important to get your doctor’s advice. They can interfere with other drugs, and may worsen certain conditions, such as kidney stones. When you do choose appropriate supplements, make sure what’s in them is what’s on the label.  Getting supplements certified by the United States Pharmacopeia (USP) means they have been tested for ingredients and contaminants.

Bone Workout

Two types of exercise are particularly helpful for anyone with osteoporosis: weight bearing and muscle strengthening. Weight-bearing exercise includes what you do standing up, such as hiking, dancing, walking upstairs and jogging. Low-impact weight-bearing exercise is done using elliptical or stair-step machines, fast walking on treadmills or outside, and low-impact aerobics.

Muscle strengthening is done with free weights or weight machines, using elastic bands or by lifting your own bodyweight. Check here for more information as well as links to exercise videos.

However, not all exercises are appropriate for all people, especially since stress fractures can occur. A growing trend, especially online, is to have specialist osteo coaches and osteo physical therapists. One to try who is highly regarded is Margaret Martin of Canada. You can also find someone you might like by searching for “osteo workout” on youTube. Be sure to get your doctor’s approval before you begin.

Jumping exercise is something easy to do at home, and it offers greater bone-building benefits than jogging, according to a study in the American Journal of Health Promotion. In various studies, jumping was done straight up from the floor, off of a low box, from side to side and from front to back. Some had participants jump 10 times, twice per day. Others had more varied jump workouts, with protocols such as waiting at least 10 seconds between jumps. Ask your doctor before starting a jumping workout; it’s not advised for those with very brittle bones. 

Weighted Vest

One study showed that postmenopausal women who wore a weighted vest while jumping three days per week arrested bone loss in the hip area. Participants continued the regime for more than five years, showing strong compliance. It’s simple to do at home, and a weighted vest is easy to order off the internet. 

At Wake Forest University, Dr. Kristen Beavers is wrapping up a years-long study this April on the benefit of wearing a weighted vest to maintain bone health while losing weight. A pilot study had participants wear a two-pound vest about 6.5 hours a day, adding weight in two-ounce increments to the vest as participants lost it from their body. “With the weighted vest, you’re keeping yourself at an equal load while you lose weight,” Dr. Beavers said. “We know that not all, but a lot, of bone loss that occurs when you drop pounds is because of this ‘unloading effect.’” People who wore the vest in the pilot study reduced loss of hip bone dramatically.

Aquatic Exercise

A meta-analysis of aquatic exercises for people with osteoarthritis may be useful for osteoporosis patients who experience joint pain and dysfunction, or those who are unable to exercise on a hard surface. The buoyancy of water can be particularly helpful for people with excess weight, since the water helps support their bulk. Hydrotherapy can improve gait and posture with minimal joint stress. Go to Hydroworx https://www.hydroworx.com/research-education/additional-resources/aquatic-exercises-for-seniors/ for specific exercises including warmup and strength training. 

Vibrating Therapy Plates

Marodyne low-intensity vibration (LiV) and the similar US-made Juvent micro-impact platform are non-drug interventions used to treat osteoporosis. Developed for astronauts, it works by standing on a plate that delivers vibration throughout your body. The companies claim their devices redevelop bone and muscle tissue while improving balance and mobility. 

These are different from high-vibrating machines that may be found in some gyms, which can worsen some problems, such as detached retinas. The Marodyne LiV has no contraindications and no known side effects and is a certified Class IIa (intermediate risk) medical device. The Juvent is a Class I (low risk) medical device whose claims have not been cleared by the FDA.

The Marodyne LiV is available for about $3,000, while the Juvent product runs a cool $5,995. You may be able to find a location near you that has one or the other available for a small fee. Talk to your doctor about the risks or benefits of using one of these machines to determine if it is right for you.

OsteoStrong Clinics

Popping up like mushrooms after a rain, OsteoStrong clinics offer a four-device circuit that delivers low-impact exercise. The company claims that one 15-minute session per week is all it takes to improve strength, performance, balance and overall vitality. It uses a process called osteogenic loading to induce axial compression to simulate high impact forces in a safer environment. 

Some OsteoStrong members report improved bone density, balance and strength, as well as reduced joint pain. Some members of the healthcare community have taken issue with some of these results, especially concerning claims to reverse bone loss. Others find that OsteoStrong’s peer-reviewed, science-based program is a valid treatment. It’s worth discussing with your doctor if this treatment could help you.

A growing number of older adults suffer from bone loss – and many don’t even know it until a fracture sends them to the hospital. Ask your doctor if you should get a bone scan. If you’re one of the many with this disease, evaluate your options carefully. There is a lot more you can do than just taking Fosamax. 



Sources:








Blog posting provided by Society of Certified Senior Advisors



Posted by at

Tuesday, March 12, 2024

Preparing Your Portfolio for Retirement



Moving from saving mode to pulling money out of your retirement fund once you stop working necessitates re-evaluating how your portfolio is structured and what priorities to consider. 


When you’ve been diligently putting money into your retirement portfolio for most of your life, it can be a shock transitioning to taking money out. Formerly bold investors can become timid, and frugal savers may suddenly go on a spending spree. The best way to avoid a bump in the road is to pull over several years ahead of retirement and create a plan with your financial advisor. 

Does 100 Minus Your Age in Stocks Still Work?

The old rule of thumb was to start with 100, then take away your age to arrive at what percentage of your portfolio should be invested in stocks. But with longer lifespans and better returns from stocks than bonds, professionals are rethinking the advice. 

"We don't use a hard and fast rule when applying the asset allocation," May says. "It's more important to understand one's risk tolerance, and then figure out the mix that works best for them. If you start to look at what your mix should be in retirement five years in advance, you can come up with a plan and then make adjustments to the plan and ensure that it's actually implemented two to three years prior to retirement.”

“You start to re-analyze the portfolio and discuss with your advisor any strategic changes that need to be made, and ensure that those changes have been implemented two to three years before retirement,” says Brooke V. May, managing partner at Evans May Wealth in Carmel, Indiana. “If you start to look at what your mix should be in retirement five years in advance, you can come up with a plan and then make adjustments to the plan and ensure that it's actually implemented two to three years prior to retirement.”

Here’s what you’ll want to consider:

  • Shift your mindset from growth to preservation. Take a look at how much of your portfolio is in more conservative assets like bonds, which tend to increase in value when stocks go down. They also don’t return as much as stocks over time. Assess your risk tolerance and make a plan for keeping a balanced portfolio.
  • Decide when withdrawals will begin. Estimate when you plan to retire from the workforce, and if you’ll continue to work part-time afterward. It’s fine to change your mind later, but best to make a plan now based on your best guess. You may be able to delay withdrawals while you use other sources of income or continue working.
  • Estimate your withdrawal rate. Check with your advisor to see how much you can reasonably withdraw, based on the value of your portfolio. Research based on past returns suggests a 4% rate is safe over 30 years with a 50/50 portfolio of stocks to bonds, but every situation is unique. 
  • Put away enough cash for a year of expenses. Having cash on hand will give you peace of mind if the market falls. You should have enough to pay for all of your needs, except what is covered by a pension, Social Security or other source of income.
  • Invest a few years’ worth of income in stable assets. Put several years’ worth of income into bonds, a bond fund, or a CD ladder. This will allow you to hold stocks if the market takes a sustained hit, and not to sell when prices have dropped. Replenish this cushion as you spend it down.
  • Take another look at your diversification. You may have become overloaded on assets that have done well recently, or on company stock, for example. Check over allocations on an annual basis and rebalance. 
  • Consider switching from growth stocks to dividend producers. When your goal is steady income, high-dividend stocks have an advantage over growth stocks, which often offer no dividend or an extremely small one.
  • Plan to be tax-efficient. You may be able to roll over assets from tax-deferred accounts to a Roth, or plan to take more income from taxable or tax-free accounts in certain years to control your income. You can also use charitable donations in your favor, especially at age 70 ½. 
  • Check for fees. Now is a good time to check expense ratios on ETFs and funds. Assess whether you could get a similar product for less.
  • Start thinking about required minimum distributions (RMDs). They won’t start until age 73  for most folks, but they are withdrawals stipulated by the government that will trigger ordinary income taxes on your tax-deferred accounts. 
  • Continue to look at your plan annually. Everything changes, from your health to your hobbies to taxes. A retirement plan has to be flexible to reflect your actual life, not the one you planned for last year or a decade ago. Update it every year to reflect the new you.



This article is not intended to be a substitute for professional financial advice from a qualified financial advisor.
Posted by at
Subscribe to: Posts (Atom)