Senior Living 2015, Issue 1

(BPT) — You maxed outyour 401(k) every year youworked, invested wisely andplanned carefully in preparationfor retirement. Perhaps you evenresearched your Medicare op-tions and you know exactly whathealth and drug plans you'llchoose. But if you're like the ma-jority of other Americans ap-proaching — or in — retirement,you've likely overlooked a criti-cal aspect of retirement planningand investment: dental insurance.

By 2030, 72 million Ameri-cans will be 65 and older, the Ad-ministration on Aging predicts.Currently, 70 percent of Ameri-can seniors don't have dentalcoverage, according to a report inthe Journal of Dental Education.Medicare does not provide den-tal coverage, so when their em-ployer-sponsored dentalinsurance ends, many seniors dis-continue dental coverage — anddental care — altogether. Yetdental insurance is one of thecheapest “retirement invest-ments” seniors can make. Andthe health costs of not havingdental care can be devastating.

“Dental health is a criticalissue for senior citizens,” saysDr. Jed Jacobson, chief scienceofficer of Renaissance Life &Health Insurance, and the direc-tor of the Renaissance Dental Re-search and Data Institute.“Discontinuing dental insuranceis risky at best. The absence ofregular preventive dental carecan have permanent, devastatingeffects on a senior's overallhealth and well-being.”

Research shows that oralhealth is linked to overall health,especially for senior citizens.Preventive dental care or regulardental cleanings can help elimi-nate the mouth-borne bacteria

that can compounda number of age-re-lated health con-cerns. Many of themedications seniorstake can lower theamount of salivathey produce, mak-ing them more sus-ceptible to infectionin the mouth. Bacte-ria that develops inthe mouth canspread throughoutthe body, Jacobsonnotes, causing orworsening problemssuch as:

• Cardiovasculardisease — Bacterialendocarditis, a seri-ous infection insidethe heart, is causedby bacteria that normally devel-ops in the mouth.

• Infections in prostheticjoints — Joint infection is one ofthe leading causes of failure inprosthetic joints, and can lead tocostly, painful and risky surgery.Bacteria from the mouth canenter the bloodstream and causejoint infections.

• Diabetes — Nearly 12 mil-lion seniors have diabetes, anduntreated periodontitis — a com-mon oral disease — can make itharder to control blood sugar lev-els.

• Oral cancer — Age is a pri-mary risk factor for many formsof cancer, and the median age fordiagnosis of oral cancer is 62, ac-cording to the National CancerInstitute. Oral cancer can causeserious debilitation, disfigure-ment and even death — in factoral cancer has one of the high-est mortality rates of any type ofcancer. It is also the costliest can-cer to treat, ranging from

$100,000 to $250,000, researchby the Renaissance Dental Re-search and Data Institute reveals.Preventive dental care, such asroutine checkups, is the best wayto catch oral cancer in its earliest,most treatable stages.

“Poor dental health does nothave to be a reality of retire-ment,” Jacobson says. “Many de-bilitating oral health issues canbe prevented by regular dentalexaminations.”

Even though Medicare does-n't cover dental care, the open en-rollment period (Oct. 15 to Dec.7) is a good time for retirees tothink about dental insurance, Ja-cobson says. While seniors re-ceiving Medicare can makechanges to their health and drugcoverages only during open en-rollment, they can enroll in a pri-vate dental insurance plan at anytime.

Typically plans like those of-fered by Renaissance Dentalcover preventive care for an af-

fordable premium — as low as$25 per month. Insured seniorscan visit any dentist they choose,but they can save even more byvisiting a dentist from Renais-sance's nationwide network ofmore than 200,000 preferredprovider locations. The companyspecializes in retiree dental careand is licensed to sell group andindividual policies in all 50states. Visit www.rensmile.comor call 888-791-5995 to learnmore and to obtain plan pricinginformation.

“Research shows that patientsare 50 percent more likely toschedule regular dental checkupswhen they have dental insur-ance,” Jacobson says. “By con-tinuing their dental benefits intoretirement, and getting regulardental screenings, seniors cantake advantage of one of the sim-plest, most cost-effective and po-tentially life-saving measuresavailable to preserve their healthduring retirement.”

Page 2B - The Marshall Democrat-News, Friday, Jan. 23, 2015

SeniorLiving 2015

Why the cheapest 'retirement investment' is also critical to your health

Contents

Publisher – Dave PhillipsEditor - Sarah Reed

Feature WriterLucas Johnson

Cover DesignJacob Hatfield

Advertising SalesMike Davis

Susan DuvallScottie Davis

Mailing AddressMarshall Democrat-News

PO Box 100121 N. Lafayette Ave

Marshall, MO 65340-0100

Office Hours7:30 AM – 5 PMMonday-Friday

Contactwww.marshallnews.com

[email protected]

Health feet for thosewith diabetes, Page 4B

Money managementexpert, Page 4B

2015 travel opportunities, Page 5B

Cover Story:Leonard Stroup

celebrates 100 years,Page 6B

Hearing loss, Page 10B

Balancing Alzheimer'sand holidays, Page 12B

Exercise tips, Page 14B

Retirement planning for women,

Page 15B

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Page 4B - The Marshall Democrat-News, Friday, Jan. 23, 2015

SeniorLiving 2015

(BPT) — A diabetes di-agnosis can be daunting,but a simple attitude adjust-ment can make a world ofdifference in how well youfare while living with thedisease. By proactively tak-ing steps to monitor keyhealth indicators, expertsagree that it's possible toprevent some of the mostsevere risks of diabetes, in-cluding lower limb amputa-tion.

People ages 20 andolder who are living withdiabetes account for about60 percent of non-traumaticlower-limb amputations,according to the Centers forDisease Control and Pre-vention's 2014 National Di-abetes Statistics Report.

“The CDC says the oc-currence of diabetes-relatedfoot and lower-leg amputa-tion has decreased by 65percent since 1996,” saysAmerican Podiatric Med-

ical Association (APMA)President Dr. Frank Spin-osa. “Working together, po-diatrists and their patientswith diabetes can reducethe number of amputationseven more.”

People with diabetesmay be less aware of cutsor wounds on their feetsdue to the nerve damage re-lated to their disease, Spin-osa points out. “Regularand vigilant foot care canhelp catch problems beforethey develop into a healthcrisis.”

The APMA offers ad-vice to help people with di-abetes protect their foothealth:

• Inspect your feet daily,checking the entire foot andall 10 toes for cuts, bruises,sores or changes to the toe-nails, such as thickening ordiscoloration. Treat woundsimmediately and see yourpodiatrist if a problem per-

sists or infection is appar-ent.

• Exercise by walking,which can help you main-tain a healthy weight andimprove circulation. Besure to wear appropriateathletic shoes appropriatefor the type of exerciseyou're doing.

• When you buy newshoes, have them properlymeasured and fitted. Footsize and shape can changeover time, and ill-fittingshoes are a leading cause offoot pain and lesions. Cer-tain types of shoes, socksand custom orthotics areavailable for people withdiabetes, and they may becovered under Medicare.You can find a list of podi-atrist-approved footwearand products for peoplewith diabetes on the APMAwebsite.

• Keep your feet cov-ered and never go barefoot

even at home. The risk ofcuts and infection is toogreat.

• See a podiatrist to re-move calluses, corns orwarts — don't tackle themyourself and don't ask a un-licensed non-professionalto do it. Over-the-counterproducts can burn your skinand injure your foot. Podia-trists are specially trainedto address all aspects offoot health for people withdiabetes.

• Get checkups twice ayear. An exam by your po-diatrist is the best way toensure your feet stayhealthy.

“For people with dia-betes, taking charge of yourown foot health can helpyou avoid foot-related com-plications like amputation,”Spinosa says. “Work withtoday's podiatrist to helpyou safeguard your foothealth.”

Simple stepsSimple stepsthat help peoplethat help people

with diabeteswith diabeteskeep their feetkeep their feet

healthyhealthy

(BPT) — What’s in a name? When choosing abrand of paper towels or laundry detergent, onename may be as good as another. When it comes toselecting a financial advisor, however, consumersshould know there are different types of advisorswho are held to significantly different professionalstandards.

Registered investment advisors (RIAs), for ex-ample, are regulated by the Securities and ExchangeCommission (SEC) or individual states. They areheld to a “fiduciary” standard of care, which meansthey have a legal duty to place the interests of theirclients first. Brokers, or registered representatives,are regulated by the Financial Industry RegulatoryAgency (FINRA) and are generally not consideredinvestment advisors by federal regulators. They areheld to a lower “suitability” standard, althoughFINRA views that as including a “best interest” ofthe client standard.

While more than half of U.S. investors use a pro-fessional financial advisor (a catch-all phrase thatsome might see as including financial planners, ac-countants, brokers, RIAs and even insurance sales-people), four in 10 don’t know which standardsgovern their advisor, according to a 2013 surveyconducted by TD Ameritrade Institutional. Yet it isa key distinction.

“It’s not uncommon for investors to think a bro-ker is the same as a registered investment advisor,”says Skip Schweiss, managing director of advisoradvocacy and industry affairs for TD Ameritrade In-stitutional. “Even savvy investors may not know thedifference. But different types of advisors deliverdifferent types of services and are held to differentprofessional standards. Before you invest with anyadvisor, it’s important to understand what their cre-dentials mean, and under what accountability stan-dards they operate.”

Fiduciary vs. suitabilityThere are two basic standards for financial ad-

visors: fiduciary and suitability. Of these two stan-dards, Schweiss says, the fiduciary standard forRIAs is the higher one. Under the fiduciary stan-dard, RIAs are bound by a 74-year-old federal act -and regulated by the SEC and state regulators.

Find the right expertto help you manageyour money

see Expert, page 13B

The Marshall Democrat-News, Friday, Jan. 23, 2015 - Page 5B

SeniorLiving 2015

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Daily lunch • Home delivered mealsExercise •Wellness Program

Movies •Volunteer opportunities

(BPT) — Feeling tiredof the hustle and bustle ofmetropolitan meccas whenon vacation? You’re notalone.

Next year, travelers willchoose smaller destinationsand opportunities to im-merse themselves in thelocal culture. As daily lifeis increasingly hectic, peo-ple will want to unplug andrelax without the stressorsof a big city.

In 2015, travelers willexplore hidden gems acrossthe country. Bing predictsthat Pigeon Forge and

Gatlinburg, both in Ten-nessee, as well as Savan-nah, Ga., will be a few ofthe top travel destinationsin 2015.

The slower lifestylepeople associate with theSouth may be a draw, aswell as the unique cuisineand beautiful architecture.Pigeon Forge, Tenn., is bestknown as the home to Dol-lywood, yet offers so muchmore. Nestled in theSmoky Mountains, themountain resort has a localpopulation of approxi-mately 5,000, yet offers

live music, comedy anddinner shows. Amonglarger cities, it’s predictedthat Nashville and New Or-leans, La., will increase inpopularity, as well.

Another top trend in2015 will be a growth inservices and experiencesthat help people live likelocals. Many travelers feelthat more intimate lodgingaccommodations, restau-rants and music venuesprovide a more authentictaste of the destination.Booking homes, or evenjust a room, has replaced

hotels for many travelers.This allows them to cookmeals for themselves andget to know neighbors likea local resident.

Some companies con-nect people with other trav-elers and locals who sharea love for food. For a truetaste of the city, visitorsdine in a local's personalhome, meeting new peopleand dining on truly localcuisine.

Consider traveling likea local as you make yourtravel plans for the comingyear.

Experiencethe big travelopportunitiesof 2015

Page 6B - The Marshall Democrat-News, Friday, Jan. 23, 2015

SeniorLiving 2015

Leonard Stroup celebrates 100 years

Lucas Johnson/Democrat-News

by Lucas JohnsonStaff Writer

It’s hard to imagine a worldwithout the modern ameni-ties we have come so ac-

customed to — cell phones,

tablets and instant access tothe world-wide-web hasshaped our society in waysunheard of even a fewdecades ago. One man knowsthe past all to well as he willhave lived it for 100 years inMarch.

Leonard Stroup, of Mar-shall, was born in LinnCreek, Mo, March 27, 1915.Stroup said during hisyounger years he and hisfamily moved from LinnCreek to Lamine as his fatherworked in road construction

driving a caterpillar to gradethe roads. In Stroup’s teenageyears he worked on differentfarms and recalled the atmos-phere of the Great Depressionand how the affect of the hardtimes wasn’t felt too much forhim.

“I actually can’t rememberany events, just everyday life.I had some good parents,”Stroup said. “Of course I hadto help with different thingsaround the house and all.

see Stroup, page 8B

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Page 8B - The Marshall Democrat-News, Friday, Jan. 23, 2015

SeniorLiving 2015

Stroup (Continued from page 6B)

There’s one thingthe Lord blessed mewith: a gift of mak-

ing stuff, I could make just aboutanything I wanted.”

Stroup enthusiastically ex-plained his talent of craftsman-ship, which he discovered at ayoung age and spoke about theconstruction process of his largestproject, a one-quarter scalereplica of a 40 horse-power casetractor.

Stroup built the steam engineusing only the blueprint in hishead and scrap metal he found atthe local junk-yard.

“I went to the McCounds JunkYard in Sedalia, and picked outstuff that I would find that Ithought maybe I could make intothat,” Stroup said. “I think it wasmy biggest deal that I ever made.”

He detailed the process forbuilding his steam engine startingwith the engine itself, where hehad to modify several compo-nents in order to fit the blueprintin his mind.

“That smoke stack there is justa piece of pipe, I cut a groove ineach side and then welded it backtogether and that made it ta-pered,” Stroup said as he gesturedto the steam engine. “I just lookedat it and thought, ‘I can modifythat ... and change it a little bitand us it on there.’”

Stroup continued explaininghis favorite project and said hismembership with the MissouriValley Steam Engine Associationalso brought about several oppor-tunities to show his model in pa-rades and exhibits.

He also explained a bit aboutthe history and significance of hismodel, saying the steam tractor

was ahead of the gas tractor, per-forming the same functions butoperating through a differentpower source.

Stroup’s affinity for buildingthings started at a young age as hestated he had tomake do with hisown creationsgrowing up as achild.

“I never hadany toys boughtfrom the store. Imade all mytoys,” Stroupsaid.

Stroup even-tually put hisskills to use atthe outbreak ofWorld War II.Upon the U.S.entrance into theconflict it be-came obvious toU.S. command-ers that a largeamphibious ca-pability wasneeded to as-sault positionswith beach-heads.

A new groupwas formed inthe Army Engi-neers whichwould meet thisdemand, and atraining centerwas established at Camp Edwardsin Massachusetts.

“I went to the recruiter inKansas City and I wanted to joinup, and they said that there was aplace in Massachusetts that wasstarting up a new outfit. Nobody

had been in it before, they hadjust created it ... and so I joinedup with that,” Stroup said.

Stroup trained to be a dieselmechanic with the amphibiousengineers at Camp Edwards.

He was laterdeployed to NewGuinea in theSouth Pacific in1944. Recallinghis experience atCamp Edwards,Stroup spokeabout the drasticchange in cli-mate, going fromnortheastern win-ters to the heat ofthe tropicalSouth Pacific.

“It was 42below when I gotout off the truckto go to Bostonto get on the train... then when Igot over seasthey sent me toNew Guinea.That was a reallyhot place,”Stroup said whilelaughing at theirony.

After the warended one ofStroup’s acquain-tances -whom hehad worked forbefore the war-

asked him if he would be inter-ested in helping him start hisbusiness back up.

“The fellow that I workedwith, he was in the service too ...of course I knew him, I hadworked for him before, but it hap-

pened to be that he was dis-charged the same day that I wasand rode home with me,” Stroupsaid. “He said he was going totake two weeks and do nothingand then start his business againand wanted to know if I wouldhelp him get started. So I did.”

Stroup said he worked as amechanic his entire life, but alsoworked as plant superintendentfor Mid-Missouri Telephone com-pany for approximately 30 years.Stroup also elaborated on his fam-ily life with his wife, Ellen, towhom he has been married to for67 years and 10 months.

Among some of Stroups otherhobbies, were hunting and fish-ing. He recalled the memories ofan old hunting buddy from hisyouth.

“There was a German boy thatI got acquainted with, and himand I hunted and fished together,and we really grew up together,”Stroup said, stating he was a life-long friend and hunting buddyuntil his passing.

Recalling some life advice,Stroup advocates responsible fi-nancial spending. He explainedhe was able to manage his fi-nances effectively throughout theyears.

“We decided instead of buyingstuff on time we would save themoney up ahead of time, then paycash for it,” Stroup said. By doingthat you don’t have to put outextra money for interest ... so ifwe didn’t have the money we didn’t buy it.”

Contact Lucas Johnson at [email protected]

>>>

“I never hadany toys

bought fromthe store.

I made all myown toys.”

—Leonard Stroup

Page 10B - The Marshall Democrat-News, Friday, Jan. 23, 2015

SeniorLiving 2015

(BPT) — Listen up,boomers: Do you want tostay active? Vibrant? So-cially engaged? Profes-sionally successful? Mostof us do.

So maybe it’s time todo something about yourhearing.

Chances are, if you’relike many baby boomers,you’ve rocked your waythrough your fair share ofconcerts, night clubs andear-blasting parties. Andyou’ve enjoyed years ofother noisy recreationalactivities to boot. Simply:You’ve been enjoying life.You've spent decadesdoing it. And it’s been

loud.So now, it’s not always

so easy to hear the conver-sation around the table atthe restaurant or dinnerparty — maybe not evenin the conference room atwork or on those telecon-ference calls.

Face it. All that enthu-siastic living has beenhard on your ears. Andnow they’re screaming foryour attention.

You should give it tothem.

In fact, addressinghearing loss is one of thebest things you can do toimprove your quality oflife and keep up a youth-

ful pace.Fortunately, for most

people with hearing loss,today’s state-of-the arthearing aids can help. Infact, a ratio of 8-out-of-10hearing aid users saythey’re satisfied with thechanges that have oc-curred in their lives due totheir hearing aids.

Many boomers are sur-prised to learn that dra-matic new technologicaladvances have revolution-ized hearing aids in recentyears.

Many hearing aids arevirtually invisible, sittingdiscreetly and comfort-ably inside the ear canal.

And they adjust to allkinds of noise environ-ments, picking up soundfrom all directions. Someare even waterproof.

Perhaps best of all,seamless connectivity isnow the norm. Today’shearing aids are wirelessand stream sound fromyour smartphone, homeentertainment system, andother electronics directlyinto your hearing aid(s) atvolumes just right for you.

Here’s what getting ahearing test and using pro-fessionally fitted hearingaids, if recommended by ahearing care professional,may do for you:

FOREVER YOUNG: 5 ways treating hearing loss can revitalize your life

1. Unlock your earning potential. Hearingyour best at work helps you do your best. Onestudy found that using hearing aids reduced therisk of income loss by 90 to 100 percent forthose with milder hearing loss, and from 65 to77 percent for those with severe to moderatehearing loss. And people with hearing loss whouse hearing aids are more likely to be employedthan their peers who don’t.

2. Open the door to greater intimacy. Don’tlet those sweet nothings go unheard. Feelingemotionally close to your partner is one of themost satisfying aspects of any intimate rela-tionship. But it rests on good communication.When hearing loss goes unaddressed, it canmake even the most loving partner seem remoteor unresponsive. Luckily, research shows thatusing hearing aids can help improve interper-sonal relationships — including greater inti-macy.

3. Pull the plug on stress and boost yourmood. People with untreated hearing loss oftenfeel angry, frustrated, anxious, isolated and de-pressed. But research shows that when they usehearing aids, their mental health often rallies.Many regain emotional stability, become moresocially engaged, feel a greater sense of safetyand independence, and see a general improve-ment in their overall quality of life.

4. Bolster your self-confidence. An impor-tant perk of using hearing aids can be enhancedemotional well-being. Research shows thatwhen people with hearing loss use hearing aids,many feel more in control of their lives and lessself-critical. One Better Hearing Institute (BHI)study found that the majority of people withmild and severe hearing loss felt better aboutthemselves and life overall as a result of usinghearing aids.

5. Improve cognitive functioning. Studiesout of Johns Hopkins linked hearing loss withaccelerated cognitive decline in older adults andfound that seniors with hearing loss are signif-icantly more likely to develop dementia overtime. BHI studies found that many people withhearing loss report improvements in their cog-nitive skills with the use of hearing aids.

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Page 12B - The Marshall Democrat-News, Friday, Jan. 23, 2015

SeniorLiving 2015

(BPT) — The holidays are sup-posed to be a time of joy whenfamilies and friends gather to shareeach other's company, revisit fondstories of holidays past and makenew memories to last a lifetime.But what if a loved one is no longerable to remember the holidays orthe family and friends he has spentthem with? What if dementia orAlzheimer's has robbed a parent orgrandparent of the ability to makeand cherish new memories?

“More than 5 million peopleare living with Alzheimer's, and thedisease particularly impacts care-givers and other loved ones duringthe holiday season,” says KellyScott, of Brookdale, which oper-ates more than 550 Alzheimer'sand dementia care communities.“Despite the stress and sadness

Alzheimer's can cause, it is possi-ble to create comfort and happinessfor everyone during the holidays.”

Scott offers some advice tohelp caregivers and families navi-gate the holidays:

• Encourage visits, even if yourloved one's memory loss makesvisitors uncomfortable. Socializa-tion is important for people withAlzheimer's or dementia — and forthe people who take care of them.Prepare guests for the changes inyour loved one, especially if thevisitors have not seen him or her ina while.

• Encourage reminiscing andstorytelling of favorite holidaymemories and traditions. Often,long term memories are thestrength of individuals withAlzheimer's disease or dementia.

Telling stories of childhood andearly adult life can help them feelengaged and purposeful during vis-its with families and friends.

• As much as possible, involveyour loved in in preparing food,wrapping gifts and other familiarholiday traditions. Participating infamiliar routines and tasks willpromote their self-esteem and pro-vide a sense of purpose during thisspecial time.

• If possible, plan to have fam-ily gatherings and activities athome, in surroundings familiar toyour memory-impaired loved one.Holiday travel can be stressful foreveryone, but it can be especiallyconfusing and upsetting to peoplewith Alzheimer's or dementia.

Receive visitors early in theday when the person is less likely

to feel fatigued, and watch forsigns that your loved one is tiring— indications could include irri-tability, confusion or agitation.

• Eating out is possible, but it'sbest to make reservations so youcan avoid a long wait, and youshould check out the menu onlinebefore you go to ensure your lovedone has dining options.

Avoid noisy restaurants or buf-fets that offer too many options thatmight confuse your loved one.Dine in smaller, more manageablegroups.

• Avoid situations that cancause confusion or frustration forpeople with memory loss, such aslarge crowds of people who willexpect your loved one to remem-ber them, loud conversations orloud music, unfamiliar surround-

ings and lighting that is too brightor too dark.

• Take care of yourself. Caringfor someone with memory loss istime-consuming and stressful. It'sOK to accept help, especially dur-ing the holidays when you may ex-perience physical and emotionalexhaustion. If family memberswant to help, give them specificideas for how they can aid you.

“Caregivers provided morethan 17.7 billion hours of unpaidcare to people with Alzheimer's ordementia in 2013,” Scott notes.“Their financial contribution is val-ued at $220 billion, but their con-tribution of love, patience andunderstanding is beyond measure.Everyone should be able to enjoythe holidays, both caregivers andtheir loved ones.”

Managing the holidays with a loved one who suffers memory loss

The Marshall Democrat-News, Friday, Jan. 23, 2015 - Page 13B

SeniorLiving 2015

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We also offer admissions 24/7, a specialized

on-call staff and one-of-a-kind programs like

the Gift of a Day.©

Expert (continued from page 4B)

While both RIAsand brokers are re-quired to act in theirclient’s best finan-

cial interests, RIAs are requiredto put their client’s interestfirst, even above their own ortheir company’s interests.

Brokers (also known as reg-istered representatives) operateunder the suitability standard.They are required to have rea-sonable grounds for believingthat securities recommenda-tions are suitable based on in-formation provided by thecustomer regarding other secu-rity holdings, financial and taxstatus, and investment objec-tives, and other information

that would reasonably need tobe considered.

“Financial advice can comefrom practically anywherethese days,” Schweiss says.“Some of it will be good, somewill be spurious. When you’reinvesting your money, it’s im-portant to do your homeworkand not only research the indi-vidual or firm who is helping tomanage your money, but thelaws and standards to whichthey are held accountable.”

Schweiss also offers thesetips for choosing an advisor:

• Know who regulates theadvisor you’re considering.The regulatory body he or sheanswers to can clarify what

standards he or she operatesunder.

• Ask how he or she is com-pensated. By companies sellinginvestment products? Fees paidby clients? Commissions?Compensation type may giveyou an idea of any potentialconflicts of interest betweenwhat’s best for your money andwhat puts the most money inthe advisor’s pocket.

• Learn whether the advisorhas been disciplined in the pastfor dishonesty or inappropriatebehavior.

You can find backgroundinformation on financial advi-sors through the websites of theSEC, FINRA, National Associ-

ation of Personal Financial Ad-visors, Certified PlanningBoard of Standards and the Fi-nancial Planning Association.Information may also be avail-able through your state securi-ties agency.

• Ask how frequently youradvisor’s firm conducts audits,and if your portfolio assets willbe handled by a third-partycustodian. A custodian willprovide a monthly statement ofyour assets to both you andyour advisor.

“Information is an in-vestor’s greatest asset,”Schweiss says. “While invest-ing always carries an array ofdifferent risks, selecting the

right advisor and knowing howhe or she operates can help en-sure your investments are inalignment with your plans andrisk tolerance.

Investors can help them-selves by choosing an advisorwho works to help them pursuetheir own goals.”

Provided by: TD Ameritrade Hold-ing Corporation, brokerage servicesprovided by TD Ameritrade, Inc. mem-ber FINRA/SIPC.

About the survey: An online surveywas conducted by True North MarketInsights on behalf of TD Ameritrade.The survey was conducted among arepresentative sample of 1,000 generalpopulation consumers between May 14and May 21, 2013.

>>>

Page 14B - The Marshall Democrat-News, Friday, Jan. 23, 2015

SeniorLiving 2015

(BPT) — A regular exer-cise routine is an importantcomponent of heart health, yetless than one-third of Ameri-cans get the minimum 30 min-utes of daily exercise fivedays a week, as recommendedby the American Heart Asso-ciation. Nationally, as many as250,000 deaths annually areattributable to a lack of regularphysical activity.

While exercise is impor-tant for everyone, regular aer-obic activity can be critical toensuring healthier outcomesfor cardiovascular patients.

Even a little exercise goes along way.

“Just five to 10 minutes ofdaily running, even at veryslow speeds, can significantlylower the risk of mortalityamong cardiovascular pa-tients,” says Ed Dannemiller,a specialist pharmacist in theExpress Scripts Cardiovascu-lar Therapeutic Resource Cen-ter. “Simply getting therecommended minimumamount of exercise can helpreduce cardiovascular eventssuch as heart attack and strokeby 30-40 percent.”

Dannemiller and his teamcounsel heart patients aboutthe benefits of regular exercisein addition to following themedication regimen and otherlifestyle changes.

Regular exercise has manyother benefits for your heart aswell, including: strengtheningthe heart muscle, loweringblood pressure and cholesterollevels, gaining better controlof one’s blood sugar andmaintaining bone strength.Exercise can also help heartpatients lose weight and leadmore active lives without

chest pain.If you are considering

starting an exercise regime,keep these precautions inmind to minimize your risksand prevent an adverse reac-tion.

• If you recently had aheart surgery or procedure,experience chest pain or short-ness of breath, recently had aheart attack, or have diabetesyou should consult a physi-cian before beginning any ex-ercise regimen.

• If you are on beta block-ers, anti-arrhythmic drugs andcalcium channel blockers, youmay have a reduced heart rateand may experience lowergains in heart rates when exer-cising. Medications such asthe decongestant pseu-doephedrine, anti-depressants,and thyroid medications canincrease exercise heart rate. Itis important to know the rightaerobic heart rate target to pre-vent overtraining or under-training your heart if you areon any of these medications.

• If you are a cardiovascu-lar patient, high-intensity ex-ercises such as push-ups,sit-ups and heavy lifting maynot be recommended for you,so it’s a good idea to firstspeak with your physician.

• You may also need toavoid certain everyday activi-ties that can overly affect theheart rate, such as raking,shoveling and mowing.

• Walking, swimming andlight jogging are good begin-ning exercises if you have a

cardiovascular condition.

But what if you’re alreadyon a work-out schedule? Thenkeep these useful tips in mind:

• Maintain a steady paceand rest between workouts.

• Do not exercise outdoorsin extremely humid, hot orcold temperatures. Extremetemps can make breathing dif-ficult and cause chest pain.Try mall-walking instead.

• In cold weather, coveryour nose and mouth whenexercising outside.

• Stay hydrated by drinkingwater, even when you’re notfeeling thirsty and especiallyon hot days.

• Avoid overly cold/hotshowers or sauna baths afterexercise.

• Avoid exercising in hillyareas because it may causeyour heart to work too hard.Closely monitor your heartrate with your target rate inmind.

• Stop exercising if you ex-perience pain, dizziness,shortness of breath or exces-sive fatigue. Consult yourphysician.

• Stop the activity in theevent of a rapid or irregularheartbeat. Check your pulseafter 15 minutes of rest andconsult your physician if therate is still higher than 100-120 beats per minute.

A regular exercise routine,along with adherence to themedication regimen, can putyou on the path toward betterhealth.

Ask the Pharmacist:Exercise tips your heart will love

The Marshall Democrat-News, Friday, Jan. 23, 2015 - Page 15B

SeniorLiving 2015

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(BPT) — Men andwomen are not the samewhen it comes to retire-ment planning. Considerthis: A husband and a wifeof the same age, earningthe same salary and look-ing to retire during thesame year need to accountfor different factors in re-tirement planning.

This is true even ifthey share a household,hold joint responsibilityfor their finances andequally contribute to theamount of incomingfunds.

Despite a remarkablecareer trajectory and rap-

idly changing roles in theworkplace, women needto account for longer lifespans as well as uniquecareer patterns. Manywomen are feeling the im-pact of these differing re-tirement realties.

So what can women doto better prepare? Howcan they plan to addressthese factors and livecomfortably in retire-ment? Here are a few im-portant tips to help youpursue your investmentgoals:

• Start now to maxi-mize contributions: Saveand invest as soon as you

can through your em-ployer-sponsored retire-ment plan, such as a401(k) or 403(b) account,or set up an automatictransfer from your bank orbrokerage account intoyour personal IRA, Sim-plified Employee Pension(SEP-IRA) or SIMPLEIRA. Whatever optionsyou choose, aim to in-crease and diversify yourcontributions as fre-quently as possible. But,remember that diversifica-tion does not ensure aprofit or protect againstloss in declining markets.

• Take advantage of

unexpected money: If youreceive a significant in-flux in funds, such as alump-sum bonus, insur-ance payout, tax refund,divorce settlement or in-heritance, avoid the lureof spending frivolouslyand think about the long-term. If you are willing toassume the risk, considerinvesting some, or evenall of the funds.

• Try not to sacrificegrowth for safety: Guardagainst being too passivein your approach to retire-ment investing. Be strate-gic by increasing yourlevel of involvement and

make investment deci-sions based on your retire-ment liquidity needs andrisk tolerance, which is es-sential to building a robustportfolio.

• Take care of yourhealth now: Practicingpreventive healthcare canmake an impact on yourbottom line by loweringhealthcare costs and al-lowing you to contributemore to your long-termfuture. It can also help cutcosts during retirementand will hopefully lead toa longer and healthier life,too.

• Consider waiting to

collect Social Security:While everyone's situationis different, if you candelay retirement, you maybe able to reap significantrewards. By workinglonger or using incomefrom other sources first,your Social Security ben-efit grows 8 percent eachyear until you reach age70 in the current market.

The bottom line is thatwhile both men andwomen should invest asmuch as they can, as earlyas they can, women facesome different realitieswhen it comes to planningfor retirement.

Why women need to reassess retirement planning