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Senior living facilities, are they ideal for you? Well, there is alot of criteria to mull over prior topting for such a choice. The elder person may feel a strong pang of isolation when they have tmove out of their home. Their homes are their largest reservoir of many fond memories. ThoughCONTINUED on NEXT PAGE...

Senior living facilitiesBY JUSTIN WOODS | ARTICLE CITYSome criteria to take into consideration

Once someone retires from work, life may become dull. ough some seniors live with theichildren and grandchildren, they still may feel a strong sense of mental loneliness. ey maymiss their work environment, or miss sharing their feelings and experiences with their colleaguesor just miss the comraderie they used to experience. Children may be busy with their ownworkloads and busy raising their own children, and may not be able to spend as much time asthey would like to with their elderly parents. Joining a senior living facility is a prudent decision

 for retirees who may be experiencing loneliness and would like to share spaces and experienceswith others in the same position.

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SeniorLifeYOUR GUIDE TO

today

hether you’re a person who likes a schedule that’s packed

or one who’d rather sit back and relax, the choice is yours

at The Villages at Unity. From Wii tournaments to clambakes and

everything in between, we don’t just reside here, we live it up. With

a variety of affordable pricing options, an active life is just an activity

away at The Villages.

 Join us for anOpen House

Saturday, May 2110 a.m. – noon

The Village1471 Long Pond Road

Live it up.www.VillagesSeniorLiving.org

(585) 723-7442

CONTINUED from PAGE 2...

sometimes they have no other answer but to choose a senior living facility. Their children

may be miles away in another part of the country, and not able to help them on a daily

basis. In such cases, the elder person may feel good about living the rest of their life

with other retired seniors. Sharing their experiences and memories of bygone days with

others at a senior living facility can prevent depression from setting in.

Choose the right senior living facility. Seniors often have minor or major health issues.

So, they may need the facility to avail the services of doctors and nurses. Cleanliness

and a ock of dedicated and well-educated, caring sta are the major considerationsprior to making any decision. Other criteria must be taken care of before choosing a

senior living facility. The location is an important factor. The elderly may dislike too

much noise, or too much hustle and bustle, but love a cool breeze, colorful owers and

the sprawling garden in front of a building. So if the senior living facility meets your

criteria, go ahead and look into the facility’s other benets.

Quality of food is another essential consideration. Gather su cient information

about the qualication of the sta. Provisions for entertainment such as TVs or DVDs is

also important. Old age does not mean an end to life, it may just mean you need to turn

over a new leaf. If you have always been a bookworm, then ask the facility if there is a

library. Some senior facilities oer ample space to play golf, badminton or lawn tennis.

Such indulgence is not only good for the body but also vital for mental refreshment.

he cost factor of a facility. The deciding factor for many retirees is to nd an aordable

senior living facility, one that ts their budget. Check over everything they will need to

pay for and make sure you are making a knowledgeable decision.

Drink to your healthNew studies show that drinking one cup

of coee daily lowers your risk of early

death by 37 percent. Drink two, and you’ll

reduce your risk of death from heart disease

by 25 percent. Three cups will lower your risk 

of Alzheimer’s and dementia by 65 percent,

and if you can drink four, you’ll be 56 percent

less likely to develop type 2 diabetes.

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 Acting your age has new meaning at Cloverwood.

The complete offering terms are in an offering plan available from the sponsor.

The Natural Choice For Retirement Living

Imagine the Possibilities 

CHOICES

This is the time of your life—to enjoy new andfamiliar experiences in an engaging community that will invigorate your mind, body and spirit.

Beautiful, spacious patio homes and apartments, with a wide range of amenities and services available,provide all you need to be comfortable and carefree.

Explore ways to customize your patio home at Cloverwood’s Design Showcase Event.

May 12 and 13 at 10am and 2pm. Space is limited.

Call 248-1100 to RSVP today!

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SeniorLifeYOUR GUIDE TO today

If you died tomorrow, would your spouseknow the name of your life insuranceagent? Would your spouse know theaccount numbers of your IRAs? Wouldyour spouse even know at what bank youkeep your safe deposit box?

Unfortunately, many couples talk littleabout personal nances. This can causetrouble if the spouse who handles most of the household nances should suddenlypass away. It’s imperative that bothpartners in a relationship understandFinance 101.

Craig Silverman, a retirement planningspecialist with AXA Advisors in Melville,NY, uses a 50-page booklet called theFamily Love Letter in his practice. On each

page, spouses can write down everythingfrom their bank account numbers to thenames and contact information of theirlife insurance agents and accountantto the contact information of theadministrator who oversees the spouse’401(k) plan.

Silverman recommends that people llthis letter out long before they beginsuering health problems, and that theyupdate it as their financial situationchange and they open or close new IRAand other accounts. “You don’t leave yourfamily with chaos in what will be a di culttime,” Silverman said.

Here are ve things you need to tell your 

spouse about the household nances.

Money talk Share personal nance information with your spousebefore an emergency occurs

Investments and assets

Write down the account numbers and contact information for your insurance policies,investment accounts, savings and checking accounts, wills and trusts. Keep thiinformation on a single sheet of paper, and make sure your spouse knows where it is.

Estate planning

 Tell your spouse who is helping to manage your money and your estate planning. Afteryou die, you want your spouse to be able to nd and work closely with this person.

Safe deposit boxes

Your spouse should know how many safe deposit boxes you have, what’s in them andwhere they are. Make sure, too, that your spouse knows who is legally allowed to openyour safe deposit boxes.

List of professionals

Provide your spouse with the names and contact information of the financialprofessionals with which you work, including accountants, insurance agents, nancialplanners and mortgage loan o cers.

List of expenses

It’s important for your spouse to know exactly where the household money goes eachmonth. Provide a list of your monthly costs, everything from mortgage payments to

estimated phone bills to discretionary entertainment spending.

BY DAN RAFTER | GATEHOUSE NEWS SERVICE