1 SPRING/SUMMER 2016

SPRING/SUMMER 2016

Garden Your Way to Strong Bones

Volunteering at Animal Shelters

Smart Diets Lower Stroke Risk

An Alternative Route to Health?

Endurance Swimmer Finds a Way To Dream and Achieve

Diana Nyad

BERGEN SHOPPING ADDICTION SCALEAnswers: (0) completely disagree (1) disagree (2) neither disagree nor agree (3) agree (4) com-pletely agree

1. You think about shopping/buying things all the time. 2. You shop/buy things in order to change your mood. 3. You shop/buy so much that it negatively affects your daily obligations (e.g., school and work). 4. You feel you have to shop/buy more and more to obtain the same satisfaction as before. 5. You have decided to shop/buy less but have not been able to do so.6. You feel bad if you, for some reason, are prevented from shopping/buying things. 7. You shop/buy so much that it has impaired your well-being.

If you scored “agree” or “completely agree” on four or more of the seven items, you may have a shopping addiction. If you think you have a shopping addiction, you may want to visit a therapist who can provide cognitive-behavioral treatment, join the closest Debtors Anonymous group or get credit counseling.

Home shopping channels make it

easy to make purchas-es from the comfort of your couch. They present viewers with a “buy now” urgency, and they allow custom-ers to divide pur-chases into monthly payments, which may make items seem more affordable.

If boxes from home shopping channels

are piling up on your doorstep, or if you have gone into debt from making too many purchases from those channels, you may have a shopping addiction.

Use the Bergen Shopping Addiction Scale, developed by re-searchers at the Faculty of Psychology at the University of Bergen in Norway, to rec-ognize symptoms of shopping addiction.

Home shopping channels make it easy for

consumers to shop from the comfort

of their couches

By Caitlin Watzke

WELLNESS

Are You a Home Shopping

Addict?

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18 Wellness Are You a Home Shopping Addict?

5 GARDENINGGarden Your Way to Stronger Bones

7 RELATIONSHIPS8 Ways to Make New Friends

8 PETSVolunteering at Animal Shelters

12 NUTRITIONSmart Diets Lower Stroke Risk

16 WELLNESS Exercise Your Brain:Learn New Skills

18 FINANCESudden Retirement: An Action Plan

contentsSPRING/SUMMER 2016

10 EXERCISE

STRENGTHEN YOUR BACK,

ARMS AND CORE

20 GRANDCHILDRENCooking Up Fun

22 TRAVELMountain Trek Wellness Retreat

24 PERSONAL SAFETYSafety Tips for Driving at Night

26 COVER STORYDiana Nyad: Endurance Swimmer Finds a Way To Dream and Achieve

28 HOLISTIC MEDICINEAn Alternative Route to Health?

Gardening is an effective way to fight osteoporosis. The University of Arkansas found that women who garden or do yard work at least once a week have higher bone

density than those who do traditional forms of exercise. Having a higher bone density decreases the risk of osteoporosis, which affects about 54 million American men and women.

Lead researcher Dr. Lori Turner was quoted as saying, “[Gardening is] taken for such a dainty activity. But there’s a lot of weight-bearing motion going on in the garden — digging holes, pulling weeds, pushing a mower.” The National Osteopo-rosis Foundation states that weight-bearing exercis-es are important for building and maintaining bone density.

People are likely to garden more often than other forms of exercise because it feels less like a workout and more like a hobby. It also provides exposure to the sun, which helps the body produce vitamin D and absorb more calcium, an important nutrient for bone health.

Garden Your Way to

Stronger BonesBy Caitlin Watzke

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The information contained in Active Living is intended for educational purposes only. A reader should never substitute information contained in Active Living for the advice of a health care professional. Jumpstart Publishing, LLC and publishers of Inspire Health, do not endorse or promote any of the products or services described in the pages of Active Living and the publishers do not verify the accuracy of any claims made in the editorial or advertisements contained in IActive Living. Readers should not use the information in Active Living for diagnosis or treatment of any health problem or for prescription of any medication or other treatment. Readers should consult with a healthcare professional before starting any diet, exercise or supplementation program, before taking any medication, or have or suspect they have a health problem.

Executive Publishers

H.G. FOX, SR.SUZANNE FOX

EditorCAITLIN WATZKE

Contributing WritersTAMARA CHARBONNETWHITNEY ALEXANDRAPATRICIA DANFLOUSMICHELLE ESNEAULT

Production ManagerDEBBIE WELDON

Creative DirectorJENNIFER CABALLERO

Art DirectorTRA PHAM

Web/Digital DesignNEAL BOYD

Sales TeamVIVIAN DUGAS

MICHELLE DUNN

© 2016 Jumpstart Publishing, LLC, New Orleans, LAAll rights reserved

Printed in the USA by Fox Print Services, igofox.com

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7 SPRING/SUMMER 2016

RELATIONSHIPS

Your spouse is gone. Your kids are grown. How do you remake your life? If

you’re on the south side of 60 and wondering what’s next, cheer up! There are lots of people just like you, eager to establish new, pleasant relationships.

Make a list of your hobbies and interests. This can reveal opportunities to relate to others

Ways to Make New Friends

There are lots of people just like you, eager to establish new,

pleasant relationships.

By Greg Fox

8

who share your enthusiasm. This new beginning can be an exciting time of growth.

1 Follow your heart. If you love golf, photography or

cooking, these activities can open new friendships when you join a club, take a class or invite others to share your passion.

2 If you’re good with animals, you are guaranteed to meet

people when you call a shelter and offer to provide free labor.

3 Visit the local hospital and volunteer your time. On

holidays and weekends, your visits will brighten everyone’s day, and you’ll create lasting friendships.

4 Gyms and health clubs offer many options for

building new relationships. Join an exercise class, take lessons in yoga or try new dance steps. Most clubs have activities specially designed for seniors.

5 Check out the offerings at your public library.

Maybe you’re just the person to read to children. Enroll in group classes on subjects like poetry, writing or acting.

6 Go to church. Your church has countless

opportunities for your service, and you’ll find lots of like-minded friends.

7 Get a part-time job. Pick employers that could

make use of your talents Or try something new, like working in a coffee shop or a clothing store.

8 The Internet is a treasure trove of opportunities to

meet others. One of the best sites is meetup.com. Enter your zip code and select a topic that interests you. You’ll be directed to a group in your area that is doing just what you selected. If you don’t find a group, you can start one.

8

ADMINISTRATIONAdoption volunteers can

assist visitors while they look for the perfect companion, ex-plaining adoption procedures and helping them complete the necessary paperwork. Admin-istrative volunteers may answer phones, direct questions to the correct department or help the office manage paperwork. MAINTENANCE

It can be hard for shelters to keep up with laundry, such as blankets and towels, so volunteers are always needed in this area.DONATIONS

Even if you are unable to volunteer your time, you can still make a difference by do-nating wish list items like food, blankets, towels, toys, treats and cleaning supplies.

PETS

Are you wondering what to do with your free time now that you are retired? Try

volunteering at a local animal shelter. People who volunteer may live longer because they make new social connections and find new purpose in their lives, and animal companion-ship has several health benefits, including lower blood pressure and a lower stress level.

Research animal shelters in your area. Shelters need assis-tance in many different areas, so it shouldn’t be difficult to find an opportunity that is a good fit.ANIMAL CARE

If you are able, you can exercise, socialize or feed the animals. Shelter animals des-perately need companionship,

and by spending time with them, you’ll help them become happier and more likely to be adopted.FOSTERING

You can also foster an an-imal in your home while they wait to be adopted. Fostering helps shelters get a better sense of an animal’s personality and what their ideal home environ-ment should be.PHOTOGRAPHY

Do you own a digital cam-era? You can help animals get adopted more quickly by taking photos of them for the shelter’s website. A good photo can truly make a differ-ence in the time it takes for an animal to get adopted. Photos that showcase their personality may convince potential adopt-ers to take a second look.

Shelters need assistance

in many different

areas, so it shouldn’t

be difficult to find an

opportunity that is a good fit.

Volunteering at Animal Shelters

By Caitlin Watzke

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“I would not have believed it, but six weeks later to the day, I was on the field in Danville refereeing a high school soccer scrimmage in 93° heat. I ran the first 40 minutes, then sat down and drank a bottle of water. I ran the next 40 minutes, and then we all gave high fives.”

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EXERCISE

FACT: Those who exercise daily live longer and have healthier, active lives. Not only do exercise and nutrition help you lose weight and look great, they help reduce stress, promote heart health, lower blood pressure and reduce the chance of stroke.

These exercises will burn extra calories, stabilize the core for balance and even help strengthen the back, arms and core.

STRENGTHEN YOURBACK, ARMS AND CORE

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1. Classic Crunches

• Anchor back onto floor. Bend knees and point toes to activate muscles.• Tuck chin into neck, and slowly lift shoulders off floor. Keeping a 90-degree bend in knees, lift knees over hips, and lift shoulders as far as you can toward knees. If you feel pressure or discomfort in back, release feet back to floor.• Release and repeat 10 to 20 repetitions. As your core strengthens, you will be able to increase repetitions.

1A

11 SPRING/SUMMER 2016

3A

2B

3B

2A

3. Stability Ball Extended Pike

• Relax down to floor onto back. Hold a stability ball extended over the head. • Tuck chin in, and lift ball up while lifting extended legs. Bend knees and keep back anchored to floor if you feel pressure. Allow ball and legs to come together, hold at top, and slowly return to start position. *If this move is too difficult, begin with crunches and back extension and build up to this move.

2. Non-Impact Back Extension• Come down to floor onto stomach. Ground hips to floor.• Lengthen arms out away from sides of body with thumbs facing upward.• Squeeze gluteus to protect lower back, and lift ribs off floor.• Hold for 20 seconds, then release. Repeat back extensions for 10 to 20 repetitions.

12

NUTRITION

SMART DIETS LOWER Stroke Risk

ACT FAST TO RECOGNIZE A

STROKE

Time is of the essence when diagnosing a stroke. The faster a patient is treated, the more likely they are to survive and have a better recovery. If you think someone you know may be having a stroke, act F.A.S.T. to recognize the warning signs.

Face: Ask the person to smile. Does one side of their face droop?Arm: Have them raise both arms. Does one drift downward? Speech: Ask them to repeat a simple sentence. Is their speech slurred, or does it sound strange?Time: If the answers to any of these are “yes,” it’s time to call 911. Note the time when symptoms began.

By Patricia Danflous

The American Heart Association (AHA) and American Stroke Association (ASA) confirm that

diets high in vegetables, whole grains, fruit and nuts are signifi-cant factors in lowering the risk of a first-time stroke.

Recently updated guidelines published in AHA’s journal, Stroke, indicate that eating Mediterranean or DASH (Dietary Approaches to Stop Hypertension)-style diets, regularly engaging in physical activity and managing your blood pressure can lower your risk of a first-time stroke.

These diets are similar in their emphasis on fruits, vegetables, whole grains, legumes, nuts, seeds, poultry and fish. Both are limited in red meat and foods containing saturated fats, which are mostly found in animal-based products such as meat, butter, cheese and full-fat dairy.

The updated guidelines recom-mend these tips to lower risk:• Eat a Mediterranean or DASH-style diet supplemented with nuts.

• Reduce the amount of sodi-um in your diet.

• Prevent high blood pressure by getting more physical ac-tivity, eating a healthy diet and managing your weight.

• Visit your healthcare provider annually for a blood pressure evaluation.

• Monitor high blood pressure at home with a cuff device.

• If your blood pressure medi-cation doesn’t work or has bad side effects, talk to your health-care provider about finding something that works for you.

• Don’t smoke. If you’re a wom-an who experiences migraines with aura, smoking raises your risk of stroke even more than in the general population.

13 SPRING/SUMMER 2016

MEDITERRANEAN DIET RECIPErecommended by the Mayo Clinic Staff

PASTA WITH SPINACH, GARBANZOS AND RAISINS

Serves 6

INGREDIENTS 8 ounces farfalle (bowtie) pasta 2 Tbsp. olive oil 4 garlic cloves, crushed ½ can (19 ounces) garbanzos, rinsed and drained ½ cup unsalted chicken broth ½ cup golden raisins 4 cups fresh spinach, chopped 2 Tbsp. Parmesan cheese Cracked black peppercorns, to taste

DIRECTIONS1. Fill a large pot ¾ full with water and bring to a boil.

Add the pasta and cook 10 to 12 minutes until al dente (tender) or according to the package directions. Drain the pasta thoroughly.

2. In a large skillet, heat the olive oil and garlic over medium heat. Add the garbanzos and chicken broth. Stir until warmed through. Add the raisins and spinach. Heat just until spinach is wilted, about 3 minutes. Don't overcook.

3. Top each serving with sauce, 1 teaspoon Parmesan cheese and peppercorns to taste. Serve immediately.

DASH-style APPLE LETTUCE SALADServes 4Serving size: 2 cups lettuce and ¼ cup apple INGREDIENTS ¼ cup unsweetened apple juice 2 Tbsp. lemon juice 1 Tbsp. canola oil 2¼ tsp. brown sugar ½ tsp. Dijon mustard ¼ tsp. apple pie spice 1 red apple, chopped 8 cups mixed salad greens

DIRECTIONSMix the apple juice,

lemon juice, oil, brown sugar, mustard and apple pie spice in a large salad bowl. Add the apple and toss to coat. Add the salad greens and toss to mix just before serving.

RECIPE

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Remember that rice cooker you pur-chased a few years ago? Take it out and start cooking.

Not only do rice cookers de-liver the just-right texture and taste for rice-based dishes, but they also have diverse uses.

Soup, cakes, porridge, qui-noa, pasta and meat dishes are among the many meals that be-gin in a rice cooker. Use your

imagination to create your own dishes, or follow an increasing number of recipes posted on the Internet.

Start by steaming vegetables. Your rice cooker probably came with a steamer basket; if not, you should be able to find an accessory to fit your model. Keep the cover on — don’t forget to add water — and check the progress every now and then. After a couple of

tries, you will know how long it takes to cook vegetables to your desired texture.

Check out the manual that came with your cooker. Chanc-es are you will find recipes and suggestions for using it to its full potential.

Your cooker is also a great alternative to the microwave. Your leftovers will taste better with slow and thorough cook-ing.

Rice CookerVersatility

By Patricia Danflous

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No one ever says, “There’s no place like the hospital.” Whether you’ve suffered a serious illness or you’re coping with a chronic medical condition, the only place you really want to be is at home. Susquehanna Health Home Care provides expert medical care in the familiar and comfortable setting of your home.

Specialized care right in your home.

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WELLNESS

By Michelle Fouchi Esneault

16

“The greatest thing in life is to keep your mind young.” — Henry Ford

Exercise Your BrainLearn New Skills

It is normal to become forgetful from time to time, especially as you get older. Who hasn’t forgotten where the

keys or glasses are? We laugh about these “senior mo-ments,” but the natural men-tal decline that occurs when you age can be worrisome.

One of the best ways to keep your mind young is to learn something new. When you try a new skill, the con-nections between the parts of your brain are strengthened and re-wired to be more ac-tive. The more you use your brain, the better it performs,

and the more difficult the ac-tivity, the greater the memory improvement

Here are some ways to exercise your brain.

Learn a musical instru-ment. A recent TED (Tech-nology, Entertainment, De-sign) presentation by educator Anita Collins explained that when you listen to music, multiple areas of your brain become engaged and active. When you play an instru-ment, that activity becomes a full-body brain workout. Research shows that playing a musical instrument stimulates your brain, increases your

memory and makes you a happier person.

Master new technology. If an activity is out of your comfort zone, it will exercise your brain. Mastering a video game, for example, helps to train critical thinking skills. A Mayo Clinic study found that regular computer use reduced the risk of mild cognitive im-pairment by 53 percent.

Learn a language. Learn-ing a new language enlarges your hippocampus, which can deteriorate as you age. This helps with long-term memo-ry. The Brain and Language

17 SPRING/SUMMER 2016

Journal pointed out that switching between languages may give your brain a work-out because it constantly has to choose between words and meanings. Research in The Annals of Neurology shows that learning a second lan-guage as an adult can slow brain decline. Try listening to music or reading a book in your new language.

Learn to dance. A study published in the New En-gland Journal of Medicine shows that 76 percent of senior citizens who learned to dance had a reduced risk of dementia. Dancing can also boost your brainpower and improve your memory skills.

BRAIN TRAINING APP:

LUMOSITYSharpen your mind with Lumosity, a well-reviewed app that trains various areas

of your brain, such as memory, attention and problem solving, using more than 40 games. The app gives you access to a training program based on scientific research and allows you to track your progress, seeing how you compare with other users. $11.99 monthly subscription (Apple and Android)

Your body gets a great work-out, too!

Start a hobby or craft. A new skill keeps your brain ac-tive. Researchers at the Mayo Clinic found that learning a new creative hobby helped reduce the risk of dementia and preserve memory. Learn to play chess or join a photog-raphy club. Become fully im-mersed in the process to boost your memory and cognitive function.

Read. The mental stimu-lation strengthens and creates new brain pathways while improving short-term memory recall. For a change of pace, try reading books from a different genre than you usually do.

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FINANCE

Sudden Retirement

An Action Plan

Your company just announced downsizing. Your position is eliminated and

you are faced with sudden retirement.

Start now to build a new financial plan. According to the National Association of Personal Financial Advisors (NAPFA), these guidelines can ensure financial well-being:

1 Make a retirement income plan. This will

show how much income you will have, what sources it will come from, and when each source starts. Include Social Security, pensions, annuities, anticipated savings, investment account withdrawals and projected

retirement account withdrawals. Once this plan is in place, you can decide to reduce expenses or find work.

You can lay out various combinations of things and see which plan gives you the best long-term outcome.

2 Re-evaluate needs versus wants. When your

income is suddenly lower than expected, the first thing to do is cut back on the wants. Go through your bank and credit card statements, and find ways to eliminate the extras.

3 Explore alternative moneymaking

options. Reach out to former professional contacts to discover what projects might be available. Look into starting a consulting business,

or see if your hobbies might be put to good use.

4 Avoid knee jerk decisions. Do not

instantly file for Social Security, apply for your pension or take out retirement money — unless that is the optimal choice for you. Many people start Social Security early only to find work a year later.

5 Distinguish between temporary and

permanent choices. Making a temporary decision to alter something may be exactly what is needed to buy enough time to get your permanent retirement plan in place.

One of the best things you can do when facing sudden retirement is to seek the assistance of a qualified financial planner. Visit napfa.org for additional information and suggestions for selecting a financial advisor.

Pick the plan that gives you the

best long-term outcome.

By Patricia Danflous

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Wally W. Harpsterwallyh@ptd.net

While reaching retirement is exciting, it can also be a time of so many decisions and options that it can leave your mind confused and spinning. There’s Medicare, prescription plans, and Medigap insurance to wade through, select and sign up for. On top of that you need

to consider things like when to begin your Social Security Benefits, whether you need long term care insurance, how you can get help if you have little or no assets, and if you have assets, how you can protect them so they’ll last your lifetime. If you find the thought of this process baffling, you may want to consider meeting with a professional who can help walk you through the process. Wally Harpster, who has been serving neighbors in and around the Susquehanna Valley since 1973, said, “I specialize in walking clients through the various insurance choices, how Social Security issues work, your insurance claim options, and what your options are to manage your retirement assets.” “Whether you’re approaching or already enjoying retirement, now is the perfect time to review your options,” Wally said, adding, “And there is no time that’s a bad time to improve upon your retirement plan.” Are you ready for the BEST retirement ever? Then pick up the phone and call Wally at 18th Street Financial to schedule a free consultation today! Wally presents various retirement options based on your individual needs and strives to get every client the best coverage, the lowest cost, and the best products to assure your money is being spent and invested wisely.

Planning the BESTRetirement

Ever...

RECIPE

SuperGreen Energy Juice

INGREDIENTS• 1 Granny Smith apple, quartered• 4 cups baby kale, beet greens, arugula and spinach, mixed• 2 large lemons, quartered• 4 large carrots• 4 asparagus spears• 6 celery stalks• 1 cup fresh parsley• 1 cucumber, unpeeled

DIRECTIONSJuice the above fresh foods in a high-powered juicer. Pour into a container with a lid and shake vigorously. Chill for 1 hour. Pour into glass and enjoy!

GRANDCHILDREN

By Caitlin Watzke

20

Cooking Up Fun

Spring may seem like a distant dream, but in reality, it’s right around the corner! Now is the perfect

time to start planning an activity you can enjoy with your grandchildren while they are on spring break.

The arrival of spring means local farmers markets are abundant with fresh produce. Kids love to help in the kitchen, so bring your grandchildren to the market and let them pick out fruits and vegetables for a meal

you can prepare together. Ask vendors if you can try samples. This is a great opportunity to get your grandchildren to taste food they have never tried before. Even if you have picky eaters, they may try new food if they play a part in the preparation. You can also go to a pick-your-own farm, where they can harvest fruits and vegetables themselves.

When you get home, search for recipes you can make using your purchases. Gather the ingredients and

tools you’ll need. Your little chefs will get even more excited if you provide them with their very own aprons and kid-friendly kitchen tools. Assign younger children simple tasks, like measuring or mixing. Older children can help with tasks like cutting or grating.

Once the meal is done, it’s time to enjoy your creation. Your grandchildren will be excited to try the dishes they helped prepare, and you’ll have a new activity you can enjoy together!

INGREDIENTS:Crust 2 tsp. dry yeast 1 tsp. honey or sugar 1 cup very warm water 3½ to 5 cups flour ½ tsp. salt ¼ cup oilSauce 1 (8-ounce) can tomato paste 1 (8-ounce) can water 1 tsp. basil 1 tsp. oreganoToppings 1 large onion, finely chopped 1 green pepper, finely chopped ½ pound mushrooms, sliced Black or stuffed olives, sliced 8 ounces mozzarella cheese or soy mozzarella

MAKE YOUR OWN PIZZA

Recipe courtesy of Kids Can Cook, written by Dorothy Bates (Book Publishing Company)

DIRECTIONS:1. Combine yeast, honey or sugar and water in a large bowl until the yeast has dissolved. Stir in flour, salt and oil. 2. Knead the dough in the bowl a few times, then cover it, and let rise for an hour. 3. Punch the dough down, and divide into four equal-sized balls. Cover them with a towel. 4. On a lightly floured surface, roll each ball out into a 10-inch circle with a floured rolling pin. 5. Lightly oil two cookie sheets, and put two circles on each. Heat the oven to 425 degrees F. 6. To make the sauce, mix tomato paste, water, basil and oregano in a small bowl. Spread the sauce evenly on the circles. 7. Sprinkle on the toppings of your choice. 8. Grate cheese and sprinkle on top. 9. Bake for 15 to 20 minutes until the cheese is melted and the crust is cooked.

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Reverse the effects of aging and experience vitality at Mountain Trek. At this all-

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• Retreat and reconnect with yourself and nature.

The Summer Fitness Hiking Program in Nelson, Canada, is $4,500 USD weekly per person. It’s as if you’re standing in a postcard with scenery of mountaintops, mirror-calm lakes, forests as far as the eye can see and hiking trails with some of the most beautiful views in the world.

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A MAP TO BETTER

HEALTHTravel is linked to health

benefits such as decreased risk of heart attack, promotion of brain health and reduced stress levels.

Travel promotes physical activity and may lower the risk of dementia because new experiences, cultures and environments stimulate the brain. Travel also helps people forget the stressors of work and relax.

TRAVEL

Mountain TrekWellness Retreat

By Suzanne Fox

Grilled Salmon and Kale SaladServes 2

SALAD• ½ bag of chopped fresh kale, cleaned and de-veined• 1 bag of baby spinach• ½ cup thinly sliced red onion• 1 cup fresh, thinly sliced Granny Smith apple• 1 Tbsp. crushed almonds• 1 thinly sliced avocado• 4 oz. grilled salmon• Sprinkle of feta cheese

DRESSING• Lemon wedges• Olive oil• Salt• Pepper

1. Build salad in two bowls in order of ingredients.2. Squeeze fresh lemon and drizzle a teaspoon of olive oil with salt and pepper to taste.

The Home with a Heart

• Independent Living Cottages• Personal Care Apartments • Memory Center• Skilled Care and Short-Term Rehabilitation

Maria Joseph Continuing Care Community enhances the lives of seniors. Our welcoming campus offers a continuum of care supported by a skilled and compassionate staff that ensure all residents and their families enjoy the peace of mind they deserve.

Call Dawn to schedule your personal tour today!

875 Montour Boulevard • Danville, PA 17821 • P: 570.271.1000 ext. 8 • mariajosephccc.org • facebook.com/mariajosephccc1430531424

PERSONAL SAFETY

SAFETY TIPS FOR

DRIVING AT NIGHT

Driving at night can be dangerous for anyone due to decreased

visibility. As we age, it can become more difficult to see at night. Follow these tips on how to drive safely after sundown.

1 Make sure your headlights and brake lights work,

are clean and aimed correctly. This will help you see your surroundings more clearly.

2 Increase the space between you and the car

in front of you to be able to stop safely. Drive within the reach of your headlights.

3 Avoid being blinded by oncoming vehicles by

looking down toward the right of the road, which will serve as a guide. Use your day/night mirror to deflect light from cars behind you.

4 Turn your high beams off when driving behind

another car. Don’t use them in high-traffic or well-lit areas.

5 Dim your instrument panel lighting to improve

nightvision. Make sure your instrument lights never reflect directly into the driver's vision.

6 Windshield streaks that are invisible during the day can

cause glare at night. Clean with a cotton or microfiber cloth.

7 If you have car trouble, pull off the road as far as

possible. Turn on your hazard and interior lights, and wait for help.

By Caitlin Watzke

CAN YOUR VISIONBE MORE VIBRANT?

Don’t let your cataracts cloud your view! Call TODAY to schedule aFREE CATARACT SCREENING with one of our Cataract Experts and giveyourself a new level of clarity!

1-866-995-EYES (3937)www.EyeCenterofPA.com

Allenwood • Bellefonte • Bloomsburg • Danville • Downtown Lewisburg • Lewisburg • McElhattanMiddleburg • Mifflinburg • Muncy • Paxinos • Shamokin • Shamokin Dam • Wellsboro • Williamsport

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5297

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Welcome to Mountain View’s New Security Memory Care Neighborhood Edgewood Commons

If you or someone you know is affected by conditions that affect memory such as Alzheimer’s Disease or Dementia, Mountain View now offers a Memory Support Program. Edgewood Commons is a separate and secure neighborhood within Mountain View that offers specialty care and programming to provide each resident the support they need while promoting a maximum level of independence.

• Secure living that offers the comforts of home • A secure outdoor courtyard• Meaningful daily activities • Family education and support groups• Nutritional support to promote hydration and wellness • Multi-sensory experiences• 24 Hour care by specially selected and trained caregivers

When someone you love requires special care and support, our staff is here to guide them through their daily activities in a nurturing and secure environment.

Announcing the

New Secure Memory Care Neighborhood

Program highlights

A Supportive And Caring EnvironmEnt

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570-644-4400

26

COVER STORY

Find a Way to Dream and Achieve

Endurance Swimmer Diana Nyad Shares Life Experience

At 66, Di-ana Nyad graciously accepts such

defining adjectives and the dozens of others linked to her name over the years. She’s earned them, along with a place in history.

Nyad is the super, first-ever athlete to swim non-stop from Havana, Cuba, to Key West, Florida. In 2013 she completed the 53-hour swim through more than 110 miles of jellyfish and shark-in-fested Gulf waters. It

was her fifth attempt for a dream that began at the age of 28.

Not long after a two-month tour pro-moting Find A Way, an intimate memoir, the super-fit Nyad took time to talk to Active Living.

You are in fantastic shape. What type of diet do you follow?

Training for Cuba was an extreme en-terprise. That is not eating as normal, that is fueling for as many as 17 hours a day of training. Some days I was eating as many as 12,000, 14,000 calories. When I am not training, I try to just eat what my body needs. Not that I don’t sit down and eat the occasional ice cream cone, but I am not going to eat slabs of pizza, that is just not going to digest right and give me very little fuel. So I just eat what would make ab-solute common sense if you paid attention.

Does age make a difference to you?

What is old? Does it mean that you can’t get up out of your seat easily? Can you run down the street and catch a bus? I do those things at the level of a bad ass. I can look in a mirror and certainly see that I have lines on the face and breasts that are hanging a little lower than they used to. I am aging, but I don’t feel any of the

By Patricia Danflous

Some call her crazy. Some say passionate. Others describe her as a goal-oriented, driven survivor.

It’s “good friend” to those who know her well.

© R

anie

r H

osch

“I can look in a mirror

and certainly see that I

have lines on the face and breasts that are hanging a little lower

than they used to. I am aging, but I don’t feel any of

the ravages of time at the

moment.”

ravages of time at the moment.

How do you start the day?

It doesn’t matter where I am or how little sleep I have had, I always get up before the sun. I work out with a two and a half hour kick ass series of exercises that are sort of taken from the military and my own training experience. After that workout you are ready to catch the tiger by the tail.

There is no ques-tion that you are physically fit, how do you maintain your mental health?

My mental health comes down to reflecting – am I upholding the ethics and morals I believe in? Am I upholding

You can find more information about Nyad’s walk at everwalk.com.

Knopf, 2015, hardcover $26.95

the values I have come to cherish? If I feel I am, then I think my mental health is in balance.

You are very open in discussing personal

issues in Find A Way. What does “find a way” mean to you?

Whether you are looking to fulfill a dream or whether you are in a do or die circumstance, such as facing cancer, you can find a way if you just don’t give up; dig down to every ounce of your resources; but also have the grace to say, I turned every corner, I overturned every stone; I tried and now I have to find my way to peace and grace and let this dream go. When I say find a way, I say get up, get engaged with your

© Dawn Blomgren

© Dawn Blomgren

© Christi Barli

own life and the lives of others.

You recently an-nounced Everwalk, a movement crusade. What is your focus with this project?

We have become a sedentary society. We have forgotten what simple movement is. You don’t have to be a triathlete, just get up and walk. Walk before the day starts, walk after dinner with your friends, or walk two miles to get lunch. We are kicking it off in August at the Ohio State Fair.

CONCERNED ABOUT LONG TERM CARE COSTS?

One of the common myths I encounter in my long term care (LTC) practice is that the primary objective in LTC planning is protecting a child's inheritance. In reality, the far more important goal is to provide financial security for the spouse at home (the "Community Spouse"). A reality is 70% of the population that reaches the age of 65 will need some form of long term care.

Having a spouse enter a nursing home (the "Institutionalized Spouse") can leave the Community Spouse financially vulnerable. That is easy to see, as the average monthly nursing home cost in Pennsylvania is $8,916.65 or $106,999.80 per year. To qualify the Institutionalized Spouse for Medicaid under the best scenario, the Community Spouse will retain her IRA and half of the Countable Assets (assets at risk-which are most of the fiscal assets whether held individually or jointly) up to a maximum of $119,220.00.

To put the financial constraints on the Community Spouse in perspective, consider the above-referenced scenario further. To determine the Institutionalized Spouse's eligibility, you must understand how the government develops financial eligibility for Medicaid. An example of assets counted for eligibility include, but are not limited to, all bank accounts, bonds, the cash value of whole life insurance policies, real estate (other than the home), additional vehicles, annuities, stocks, investments, and the Institutionalized Spouse's retirement accounts ("Countable Assets").

In addition to the asset limitation, all of the Institutionalized Spouse's income is typically assumed to go to the nursing home. To make this understandable, let's look at the following scenario, where Joan is the Community Spouse and Bob is the Institutionalized Spouse (needs long term care):

Bob and Joan have the following assets:

In the scenario above, Joan can keep her IRA of $20,000 and assets totaling $119,220. Assuming that Bob can keep $2,400.00, there are excess assets in the amount of $353,380. In other words, Joan would need to spend $353,380 in a Medicaid approved manner; most likely, on the long term care costs for Bob. Clearly, this leaves Joan financially vulnerable. She is left with her income, her IRA, and $119,220.00 in countable assets.

Until recently, planners understood that Bob's IRA will be liquidated to pay for LTC. The good news is that there is a way to protect Bob's IRA and increase Joan's income. We have a tool to protect Bob's IRA by transferring the income to Joan instead of Bob. Remember, Joan can keep all of her income, so now Joan isn't as financially vulnerable: Also, in a crisis, when a spouse is entering a nursing home, there are other tools to protect additional assets for the Community Spouse. The goal is to obtain immediate Medicaid eligibility for the Institutionalized Spouse, while providing

Checking $20,000

Savings $80,000

Bonds $10,000Life Insurance (Cash Value)

$15,000

Bob's IRA $250,000Joan's IRA $20,000

Stocks/Investments $100,000

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With a 40 year history and a commitment to the future, we are ready to provide “The Comfort of Confidence.”

1372 N. Susquehanna TrailSuite 130, The Courtyard Offices

Selinsgrove, PA 17870570-743-2333 • 888-505-6115

www.rhplegal.com

OFFERING FREE

SEMINARSCall us today for the next

available date(s) and reserve a seat to attend either or both seminars.

You won’t know if your estate plan didn’t work,

but your family will.

ATTEND A FREE SEMINAR TO LEARN:Why estate planning is not • only for the wealthy

How to avoid the heartache • and cost of a guardianship

How to protect your legacy • from a child’s divorce

How to protect your children • from being disinherited if your

spouse remarries

The cost and • consequences of not planning

Attorney Karen Hackman can help you

to be proactive about planning for the

unpredictable with a

comprehensive estate plan.

Will the cost of long-term care be more like long-term despair?

ATTEND A FREE SEMINAR TO LEARN:Do I need a power of attorney?•

Should I transfer my home to my kids?•

Can my kids be liable for my • nursing home care costs?

It’s always best to plan ahead. But it’s never too late

to do something.

In this free seminar presented by Attorney

Ken Potter, you will learn that something

always can be done to protect the

loss of assets to nursing

home costs.

the Community Spouse with the comfort of sufficient income and resources to maintain his or her lifestyle within the community.

This article has discussed planning for couples. However, there are planning tools for the single or widowed person too. In fact, planning may be even more critical for the single or widowed person.

Eligibility requirements dictate a spend down of Countable Assets for a single of widowed person to $2,400 or $8000, depending on income.

Qualifying for Medicaid and protecting assets is a complicated issue and everyone's situation is unique. The best planning tool is to plan and prepare earlier; however, there is typically something that can be done to help even in a crisis. RHP Law Group has been helping people navigate the Medicaid waters for years and would be honored to speak with you at any time regarding your circumstances.

Please feel free to contact Ken Potter at (570) 743-2333 or potter@rhplegal.com. Visit our website at www.rhplegal.com.

30

HOLISTIC MEDICINE

*DO NOT attempt an alternative medicinal approach without consulting your physician.

Patients who have used holistic

medicine have often experienced amazing results.

By Tami Charbonnet

An Alternative Route?

Modern medicine is constantly evolving. Unfortunately,

science has yet to find a cure for all diseases, and patients are often left feeling hopeless. What happens when there is an incurable prognosis, or the body rejects specific medicines?

The holistic medicinal approach may be a route to explore. It is sometimes misunderstood and often a topic of controversy among traditional practitioners. However, patients who have used holistic medicine to deal with mental or medical problems have often experienced amazing results.

The holistic approach evaluates well-being as a whole and identifies mental and/or physical imbalances and the connection between the two.

The Mayo Clinic explains, “Complementary and alternative medicine (CAM) is the popular term for health and wellness therapies that have typically not been part of conventional Western medicine. Complementary means treatments that are

used along with conventional medicine. Alternative means treatments used in place of conventional medicine.”

CAM focuses on mind, body and spiritual connection while also integrating modern medicine. The following are typical “mind-body” practices:

YOGA: Physical postures that allow the body and mind to connect through the use of breath

MEDITATION: Mental exercise concentrated on repetitive breathing and clearing the mind for the purpose of deep relaxation

ACUPUNCTURE: Ancient Chinese practice of pricking the skin with tiny needles at pressure points to alleviate emotional, mental and physical ailments

SPINAL MANIPULATION: Technique used to restore the spine’s structural integrity and reduce pain

MASSAGE THERAPY: Focuses on using gentle

application of the hands to address specific circular pathways in a sequential pattern

HERBAL TREATMENTS: Use of herbs and natural dietary supplements

Consult your physician before attempting an alternative to present medical care, do your own research and ask about your options. Visit the Academy of Integrative Health & Medicine's website (www.aihm.org) to find a local provider and research their credentials.

CALL NOW FOR YOUR EVALUATION. 570-524-5056

Put the pain and discomfort of varicose and spider veins behind you and

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Dr. Angela MuchlerAu. D., CCC-A

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Try Alta2 by Oticon risk-free.Call 123-456-7890 or visit sampledispenserclinic.com

Hear even the softest sounds.

Better hearing by design.Take comfort knowing you’ll hear a full range of sounds with Alta2, the

remarkable new hearing device that’s customized exclusively for you

and your unique hearing needs. Because it features Oticon’s fastest

processor ever, Alta2 lets you hear and understand even soft speech

better. Super small, it fits invisibly in your ear canal or tucks discreetly

behind your ear. Inside, Oticon’s revolutionary BrainHearing™ technology

works in harmony with your brain, automatically adjusting and optimizing

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