SENIOR PROBLEMS: THE geezer’s DOZEN and THE MAGIC 7!
Posted: February 29, 2016 Filed under: AGING, COPING, geezerFinance, Uncategorized | Tags: age, aging, elder, elderly, geriatric, lifespan, old age, old people, retirement, senior, senior citizen Leave a comment »Life is a series of problems; and, problem solving. At 75 you are faced with a unique set of possible problems. These are problems which you might not have the time or the ability to solve after 75. You should be aware of them. You should plan for them; or, at least think about them.
Alzheimer’s is the worst. Not for the geezer. If he gets it, it slowly becomes someone else’s problem. The geezer really won’t care once he has gone beyond the initial stages. However, I can plan for it and for other problems. A more difficult problem is a spouse’s dementia. It defies logic; which says it all. It is not rational; and, is impossible to deal with.
The following is a list of twelve problems that I have found unique to a post-seventy-five life. These are problems that I worry about. The list is not complete, but is a base to work from. They could come at any time, but seem more unique to old age.
- Dementia/Alzheimer’s in a spouse
- Serious illness; you or your spouse
- Death of a spouse
- Elder scams and fraud
- Falls
- Blindness/deafness
- Loneliness/isolation
- Insecurity/fear
- Transportation
- Clutter and too many possessions
- Care – medical, home, companion
- Financial problems
- Transition to Alzheimer’s – The period from normal to “late stage” Alzheimer’s
ARE YOU READY?
The following magic 7 are essential:
- Advance Health Care Directive
- Automatic bill payment
- A mentor; or someone, preferably a kid, to keep an eye on you and advise you; with a Power of Attorney
- A living trust, if you have sufficient assets
- Experience with alternate transportation: buses, Uber, senior transportation systems, neighbors with cars.
- A social cohort; a group of people, about the same age, that you contact regularly
- Third party notifications on bank accounts, stock accounts, etc. when an unusual, or non-authorized event takes place.
THINK OLD!
CHARITABLE DONATIONS OR geezer’s SELF-SERVING REDUCTION OF CLUTTER AND TAXES?
Posted: February 23, 2016 Filed under: COPING, geezerFinance, Uncategorized | Tags: age, aging, elder, elderly, geriatric, lifespan, old age, old people, retirement, senior, senior citizen Leave a comment »Look around your house. You could almost be on one of the TV clutter shows. You trip over stuff that you haven’t seen, much less used, in the past 50 years. Most mechanical things you don’t even know how to use. And, where can you buy film for one of those old cameras; or get it developed?
I have switched to jeans, so have no use for all the stained, checkered pants with zippers that don’t work that I inherited from other old male relatives. The style is not coming back. And, how many three-piece suits that don’t fit do I need? And, of course, with cremation, there is no need for a suit to be buried in.
Your kids don’t want your stuff; and, you can’t even get your spouse to take it in the divorce. It keeps piling up.
Look at the bright side. You still pay taxes! If you pay taxes, you get deductions including charitable contributions, so….. Let’s donate the stuff.
You need to find a 501(c)(3) charity that accepts used goods. Your donation is tax deductible. My wife and I use St. John’s Thrift Store in Albuquerque or Assistance League. You can search the internet for a charity near you. You haul your stuff in, they take it, sort it, and sell it cheaply to support what they do. They give you a receipt that doesn’t list what you donated; that’s for you to fill out.
It is a win-win-win solution; some clutter is gone; you have done a good deed; someone gets to put your junk to good use; and, you can deduct the value of your donation from your taxes.
How do you value this stuff? Even though the non-profits can’t value it for you; and, you really don’t want to know what they think it is worth, there are on-line lists that will help you.
And, what does the IRS think about all this? No problem as long as you follow the rules.
It is easier than a yard sale; you won’t trip and fall over the stuff; and, you can reduce your taxes.
Try it; but, remember, you are not getting any younger. Donate while you can still drive to the thrift store.
WARNING! A thrift store is a dangerous place. I found a great denim jacket for $8 and several paperbacks for a quarter each. I was intrigued by a number of things I hadn’t seen for years. I may go back with my tax refund.
THINK OLD!
TEXTS FOR SENIORS – a new, OLD, way, to learn
Posted: February 21, 2016 Filed under: AGING, geezerLearns, geezerTips, Uncategorized | Tags: age, aging, elder, elderly, geriatric, lifespan, old age, old people, retirement, senior, senior citizen Leave a comment »64 years ago I joined the Boy Scouts after being a Cub Scout. To advance in rank I had to earn merit badges, which I did; learning many interesting and useful things. Now at 75, I have rediscovered Merit Badge Pamphlets. They are even more relevant today.
I had no interest in genealogy at 11, but at 75, I am interested in my pre- Boy Scout roots; and, a good starting point was the Genealogy Merit Badge Pamphlet.
Pick a topic you are interested in. Then look for a Merit Badge Pamphlet. Ten sample topics out of 160; each selling for $4.99: Basketry, Wood Carving, Robotics, Dog Care, Pottery, Gardening, Fishing, Archeology, Programming, and Bird Study.
They are a source of useful information and just as they did 65 years ago, can lead to many new adventures; or, at least hobbies.
They will also give you conversation topics with your grandchildren.
THINK OLD!
WHY AM I HERE? – SILVER SNEAKERS!
Posted: February 11, 2016 Filed under: AGING, geezerHealth, geezerTips, geezerTrips, Uncategorized, Why Am I Here? | Tags: age, aging, elder, elderly, geriatric, lifespan, old age, old people, retirement, senior, senior citizen Leave a comment »I hate to exercise, but not exercising is even worse. Since my goal is to keep present pain to a minimum, exercise is as necessary to me as sleep. I suffered from spinal stenosis in the past; at one time, I could not get out of bed. I needed to exercise to avoid the pain; so, I walk at least 2 1/2 miles per day and do stretching exercises “ordered” by a physical therapist. No more pain; no more spinal stenosis, at least that I am aware of. However, I can trigger it. If I go for two weeks without walking and doing the stretching, spinal stenosis is back; or, at least the pain is. Needless to say I don’t trigger it very often.
Traveling presents a problem; mostly mental, but I still find exercising on the road a problem.
Silver Sneakers is free fitness offered by a number of senior insurance policies. To find out if you qualify, go to the site, put in your info, and if you qualify, you can print out a membership card. They are located at YMCA’s across the country and at numerous health clubs. You just go to the web site, enter a zip code, and you get a list of places available.
There are 13,000 places nation-wide with free exercise, yoga and more. It covers the time when it is too cold or rainy to walk, or when you are in a place not conducive to walking. It gets you into a social atmosphere. Thus, when I visit my grand kids, I can take my card and do a bit of work on the treadmill, attend a yoga class, or try tai chi. It is also a good excuse to try something new; to get out of the “box” in a safe environment.
You might even tie it to your UBER membership and have someone drive you in a strange city; or, if you don’t have a car because your kids picked you up at the airport and they need their cars to go to work. Don’t be stranded.
THINK OLD!
geezer BUYS A PRIUS
Posted: February 8, 2016 Filed under: AGING, geezerFinance, geezerTrips, Uncategorized | Tags: age, aging, elder, elderly, geriatric, lifespan, old age, old people, retirement, senior, senior citizen Leave a comment »I had 100,000 miles on my Honda Civic and it was time for a new car. I am too old too negotiate; and, as an old man, I am always afraid that I will screw something up. I like simple. I like a deal; even if I am the only one who thinks that I got a deal.
I decided on a Prius. Consumer Reports liked it. With expensive gas, 55 miles to the gallon sounded nice.
The sticker price on a 2013 Prius was $25,350 plus, taxes, license, etc.
I took my Civic to CarMax; they told me they would buy it for $7000 and the offer was good for seven days. I didn’t feel like arguing with a dealer over a trade-in and a young teacher friend needed a car, so I sold it to her for $7000; provided I could keep it until I got the Prius.
I have three sons, a brother, two sisters and numerous other relatives and friends who live around the country and whom I visit. Consumer Reports Auto Buying Guide let me enter a zip code and gave me a price and a dealer. I entered the zip codes of relatives that I visit. Spartanburg, SC, near where one of my son’s lives, had the best price.
I agreed to buy the Prius for $21146.97 plus optional equipment of $399, NM Sales Tax of $634.05, and NM License and Title of $79, for a total of $22259.02. This was all done by e-mail with my credit card for a $500 deposit. Two years of free maintenance came with the car.
The dealer put my name on the car and said I could pick it up any time in the next month.
I flew into Spartneburg, SC. the dealer picked me up at the airport, let me drive the car since I had not driven a Prius, filled out the papers and I was on my way in an hour. They gave me a 30 day transit permit, and I left.
I drove the car to visit my son, drove back to NM, seeing part of the country that I had never seen before, and stopping to see several old friends along the way. Two weeks later I received, a bill of sale, a check to the State of NM for the sales tax and a check to MVD for the license.
It was the easiest and cheapest car deal that I had ever done. It is now two years and 40,000 miles later and I still get between 55 and 60 miles to the gallon.
The savings, after deducting tax and license was: MSRP $3804.03; Albuquerque, Consumer Reports price, $3135.03; Tucson, CS price, $3135.03. Several others I tried were in the same range.
The downside was that I had to drive back from Greenville, but I visited friends and saw a part of the country I had not seen before. The hotels and meals were reasonable and the Southwest Ticket I would have bought anyway to see my son and I only had to buy a one-way ticket, so I really saved the cost of the hotels and meals. I didn’t lose any work as I am retired, so….
THINK OLD!
geezer TAPES THE DOCTOR!
Posted: October 7, 2015 Filed under: AGING, COPING, geezerHealth, medical, Uncategorized | Tags: age, aging, elder, elderly, geriatric, lifespan, old age, old people, retirement, senior, senior citizen Leave a comment »One of the problems old people have is that when they go to see the doctor, they can’t remember, or don’t understand, what s/he told them. Most doctors are not old, so they may not recognize that there is an old person in front of them. Even if they do, they won’t have a feel for what it is to be old.
At the end of the medical visit, ask the doctor if he would tell your smart phone what is wrong with you, what you need to do, and what the next step is. Also ask him if there is anything else you should be aware of.
This is simple. You already know how to take a photo of your grandkid. Just move from photo to video and press the button. It will record the doctor and what s/he says. You can then play this back. Don’t forget to turn the volume up. If you have a problem with this, practice with your grandkid. S/he will know how to work the smart phone.
You then have a diagnosis that you, or your kids, can listen to over and over. If the Doctor does not want to do this, get a new doctor.
You need to be clearly understand what is wrong with you and what you are supposed to do about it.
When you go to pick up your meds, ask the pharmacist what the medicine is for. While you are there, get a printout of all the medicines that you have taken in the last year. Ask the pharmacist if s/he sees any adverse reaction problems.
DO YOU WANT TO BE YOUNGER? DO WHAT THE geezer DID!
Posted: May 13, 2015 Filed under: AGING, geezerAdapts, geezerTips, Uncategorized Leave a comment »
When I was 73, I bought an age reducing clock. Now I am 71. You too can reduce your age. Buy an age reducing clock for yourself and be as young as the geezer.
WHY I LIKE SENIOR CENTERS!!! ALBUQUERQUE AS AN EXAMPLE!
Posted: May 12, 2015 Filed under: AGING, geezerTrips, My Backyard, New Mexico, Uncategorized Leave a comment »Most people I know hate the idea of senior centers; even more than they hate the idea of growing old. I would agree with them if I could do anything about it. The best I can do is strive for a good old age; and, recognize the problems that come with this stage of life, just like I recognized and dealt with problems in earlier stages of life.
Which brings me to Senior Centers. There is one close to me. I joined for $15 per year. I can do ceramics, woodworking, sewing and most anything else I want. There are numerous classes in physical fitness, yoga, computer training. There are rooms for poker, pool and reading. There is a library of books that are free for the taking and a computer that you can use.
They serve breakfast and lunch. Coffee is 25 cents; a burrito is $1.50 with eggs, hash browns and bacon or sausage. You can just show up and eat it. You have to sign up for lunch a day in advance. If you are over 60, which I am, it is free with a suggested $2 donation. If you are under 60 it is $3.75. It is more than you can eat, so my wife and I can share a plate at $1 each, as a donation.
The best thing about the senior centers in Albuquerque is the trips that they offer. They provide transportation and lunch for a minimal charge. Today they were advertising a backstage trip to the Santa Fe Opera $16 which includes transportation to Santa Fe and admission. On June 19, there is a tour of an Alpaca Ranch in Mora, NM. In the past we have gone to the Crown Point Rug Auction where several times a year Native Americans sell their hand-made rugs, to dealers and anyone else who wants to bid. The only problem with this tour is the meal; the bus driver gets sandwiches from Costco. It is much better to eat the fry bread and Indian Tacos at Crown Point. Since the Auction is not over until after 10 at night, you don’t want to make the several hour drive back to Albuquerque.
You can also get legal help, accounting help, tax help and estate planning. There are more jewelry making classes than you can count. And of course painting and art classes. It seems that every old person wants to become an artist; or, maybe just a blogger.
The computer lab is great; no one shows up, so you have the instructor all to yourself. Then, book clubs, card clubs, beading and music.
Some of the trips this half-year; were or will be: Forensic Science Center ($2 transportation); Left Turn Distilling Tour (50 cents transportation); Hispanic Cultural Center ($2 transportation, $2 admission); Harvey House Museum ($5 transportation to Belen); San Felipe Pueblo Feast Day ($3 transportation); Chaco Canyon; Dar Al Islam Mosque ($12 transportation); Santa Fe Opera House Tour ($8 transportation, $8 admission). And those are just the trips that interest me out of 79 available day trips during the first half of 2015.
Most towns have senior centers; so if you are traveling look them up in advance and see what they have to offer.
The only downside is that you are with a bunch of old people, but…..
You might be happier sitting at home and pretending that you are not old.
To check out Albuquerque, see: Senior Centers.
In any other town, Google “Senior Centers.”
HUNTINGTON HISTORICAL SOCIETY – Special Event
Posted: May 4, 2015 Filed under: geezerTrips, Life Style, Uncategorized Leave a comment »Small communities are show cases for history, genealogy and crafts. Huntington, NY is no exception. On a recent visit, I attended a “Sheep to Shawl Festival” in Huntington offered by the Huntington Historical Society. This was on a Sunday afternoon in May and held at one of the Society’s properties, the 1795 Dr Daniel W Kissam House. Dr. Kissam had a stroke; so, he had the room next to his examining room converted into a bedroom and apparently continued to treat patients as he was able. This was around 1800.
The volunteers are full of stories about their ancestors; and, of course, they dress the part.
There was a free tour of the house, barn and other outbuildings. The Society had tables for crafts; staffed by a large number of talented quilters and artists who made things as they did 200 years ago. It was fascinating; especially when you consider that old people are fascinated with their past and with the things people made on their own.
There was a sewing machine that a young boy made; simple and pedal operated but it still worked. There was a lady shearing sheep; people weaving; and, a man who was into wood carving making small, simple whistles.
The society has numerous events over the year and several properties that you can visit. It also sponsors a genealogy workshop that includes and annual trip to the Family History Library in Salt Lake City.
The point is that I spent an interesting and educational Sunday afternoon.
I learned how simply people lived two hundred years ago and met people who were recreating history. There was even a revolutionary war contingent that had set up camp across the street; cooking in a dutch oven and firing their muskets, much to the delight of children.
You can find these Exhibits and programs in towns all across the US; and, they are worthy of a visit. They are local and done with a passion that you don’t find elsewhere.
You could travel across the US on your own mobile American History Course; and, with a little work, could make it reflect your ancestors and their place in American History. You can even start at Ellis Island.
URGENT CARE – A Health Resource For Traveling Seniors!
Posted: April 29, 2015 Filed under: geezerHealth, geezerTrips, Uncategorized Leave a comment »Where do you go when you are traveling and something goes wrong with your old body. Is it serious? Does your insurance cover you? Can you let it go until you get home? What if you don’t get help?
We have used urgent care in Smithtown, NY and Tucson, AZ; places where we didn’t have physicians.
We were in urgent care for one hour and 15 minutes which included check-in, filling out forms, having vitals taken, seeing a nurse practitioner, and a board-certified Emergency Room Physician. He examined my wife who had a rash on her face and a severe sore throat, diagnosed the problems, tested for strep, and prescribed the necessary medications.
She has Medicare and a private medigap plan. She was charged nothing; not even a co-pay. She may be charged later, but…
Everyone was pleasant, seemed concerned about our problems, provided us with a lot of information and fixed two problems that had been troubling her for a while. The strep test was negative. The doctor prescribed three medications for the face rash, but said to hold off on one for two weeks, as it had a high co-pay.
We received a printout of the diagnosis and treatment for our information and for her primary care physician in Albuquerque.
The place was clean, neat and professional. They did the strep test there. We were never kept waiting and felt good about the place and the people. They all listened to us.
A few years ago, I hit my head on a cabinet door that I was painting in Tucson. There was a bleeding gash in my forehead. I went to CVS pharmacy Minute Clinic, saw a nurse, was examined, told it wasn’t a serious problem and provided with an over the counter antiseptic. I went home and had no problems. I had been worried, with all the blood, but got the reassurance and treatment quickly and professionally.
In both cases, we were examined and treated by professionals. The treatments were quick, inexpensive and effective. My head is still ok and my wife’s rash which she had had for several weeks has cleared up. No problems.
The point is that at a certain age, a lot more things go wrong with your body. You don’t know how serious they are. You know something is going to kill you in the near future, but you just want to head it off for today; and, you don’t want to catch something new at the hospital in the meantime. If it is serious, you go to the emergency room or dial 911; but, for most things, where you primarily need reassurance that today is not “the day,” you just need someone to check you out; fix you; call an ambulance; call a mortician; or, tell you to go home. That is what you get at urgent care.
I hate to sit in emergency rooms; have done it many times with parents, kids and spouses. It takes a long time, it is expensive even if medicare and/or insurance is paying for it; people feel rushed and they rightly take the life threatening cases first. They practice triage, and usually for old people it is just some part wearing out that you don’t think should wear out. Mostly, it is not life threatening. That puts you at the bottom of the list. What you really need is reassurance.
Did you ever try to get an appointment with your private care physician; not only might it take a week or two, but when you get there, you have to wait. Plus, many of them are shying away from medicare because of cost cutting.
You should try urgent care; they are everywhere. And worth it even if you have to pay out-of-pocket.
And, I wonder about where I fit in the triage scheme being over 70???
References that might interest you:
Atlantic $2168 is the average cost of an emergency room visit.
Business Insider The average wait-time can be over four hours.
Triage definition.
Stat Health; where my wife went in Smithtown, NY
Minute Clinic; where I wend for the cut on my forehead.