Year: 2021

7 Tips To Avoid Falls

Falling can hurt! It is even worse as we age and our bones become more brittle.While we can't avoid all potential hazards, there are many things we can do to lower the risk of falling and reduce the chance of serious injury.A recent study published in the medical journal JAMA found that for people over 75, deaths from falls more than doubled between 2000 and 2016. Keep reading, though: There's good news. "There are so many risk factors for falls, especially in older adults, that we can control, monitor, and change," says Carlos Jimenez, DPT, Director of Sports Medicine, Canyon Ranch.Here is an article from Carl that gives us seven?easy things we can do to lower our risk for falling and gain strength and confidence.Be Well,Anisa Exercise… Did you know that adults over 70 who practice tai chi twice a week for an hour reduced incidents of falls by 58 percent? Another study showed that yoga for seniors, such as chair yoga, or gentle yoga for balance classes, resulted in an improved ability to rise from a chair,?increased step length, weight loss, and a reduced fear of falling. Plus, therapeutic yoga and physical therapy can help correct kyphosis, a curvature...

5 Sneaky Ways the Government Takes Retirees’ Money

I read this article from Chris Kissell and just had to share it. It was pretty eye opening to me as I save for retirement.I had no idea that there were these sneaky ways federal and state governments lay claim to your hard-earned savings..Here are five ways… were you aware of these? I knew a couple but not all!Be Well,Anisa 1. Taxes On Social Security Benefits… For decades, Uncle Sam has been siphoning a portion of your pay to help fund Social Security. When retirement arrives, it will be your chance to cash in as the money flows the other way. But be careful: There is a good chance that taxes will be due on a portion of those benefits. As we recently reported, if you have enough retirement income coming in, up to 85% of your Social Security benefits may be taxable. According to the Social Security Administration, individual filers with a combined income between $25,000 and $34,000 may have to pay income tax on up to 50% of their benefits. Earn more than $34,000, and up to 85% may be taxable. For those filing joint returns, a combined income between $32,000 and $44,000 may result in paying income...

4 Beliefs That Make You Easy Prey for Scammers

Scams have been a part of our lives since I can remember. Years ago it may have come in the form of a Con Man and it wasn't very prevalent.Since the Internet it has gotten worse and now the level of sophisticastion is astounding. From phone calls, to phishing every day we are hit with some sort of scam.Most of us are convinced we will not fall for one, but the reality is a good portion (more than 50%) of us will.Let's explore more with a research study that breaks it down to a simple 4 beliefs you may have that make you susceptible to a scam.Be Well,Anisa A New Study… A new study looks at how the attitudes and beliefs that shape how we view the world - a concept known as "mental frames" - might influence how likely we are to fall prey to a scam, according to a two-year study by the FINRA Investor Education Foundation, the Better Business Bureau Institute for Marketplace Trust and the University of Minnesota. The researchers identified and interviewed 17 study participants. They came from a pool of people who filed reports with BBB Scam Tracker, an online fraud reporting tool. Ten...

6 Myths About Retirement…

Many of you are already in retirement and others, like me, are dreaming about it!One thing for certain is it is important to do your homework or you could be in for an unpleasant surprise.Some people buy into myths about retirement… such as how much they'll spend and where they'll live… without realizing that reality can be much different. By the time they discover the truth, it could be too late to make adjustments to their retirement plan.Don't get caught off-guard. Make sure you don't fall for these common retirement myths I found from an article form Money Talk NewsBe Well,Anisa 1. You can always work longer if you don't have enough savings… It's not unusual for people to think they can simply delay retirement or work part-time if they have meager savings. In fact, 72% of workers think they will continue to work for pay after they retire, according to the 2021 Retirement Confidence Survey from the nonprofit Employee Benefit Research Institute. The reality: While most workers think they will still earn a paycheck after retirement, the truth is only 30% of retirees have actually worked for pay, according to the EBRI survey. What's more, the survey found nearly...

7 Early Warning Signs of Dementia You Shouldn’t Ignore

We've explored Dementia many times. It's a disease that is rising at an alarming rate. To make matters worse, future numbers of how many people will be affected are downright scary.That begs to aks. How can we spot early indicators that our loved one may have Alzheimer's or dementia?I found this insightful article by Patrick J. Kiger who wrote this for AARP.From age 50 on, it's not unusual to have occasional trouble finding the right word or remembering where you put things.But persistent difficulty with memory, cognition and ability to perform everyday tasks might be signs that something more serious is happening to a loved one's brain.A loved one showing symptoms of dementia needs to see a medical expert who can conduct tests and come up with a diagnosis. If a loved one has dementia, you'll want to plan how you will manage that care, especially as the condition progresses.Below is a list of 7 things to watch out for.Be Well,Anisa Difficulty With Everyday Tasks… Everyone makes mistakes, but people with dementia may find it increasingly difficult to do things like keep track of monthly bills or follow a recipe while cooking, the Alzheimer's Association says. They also may find...

6 Income Tax Breaks That Retirees Often Overlook

Did you realize all these tax credits and deductions exist… or that they apply to retirees?How does the adage go? With age comes… new ways to save on taxes.While you can't stop filing taxes just because you retire, being a retiree often means you can claim some worthwhile tax credits and deductions.In some cases, these tax breaks are available to both workers and retirees, so the latter often don't realize they might be eligible. In other cases, these tax breaks are effectively reserved for older taxpayers, meaning taxpayers may not hear about them until later in life.In this article from Money Talk News we will explore several examples of federal income tax breaks that retirees often overlook.Be Well,Anisa 1. Bigger Standard Deduction… For seniors who don't itemize their tax deductions, a higher standard deduction is a free potential reduction in your tax bill. Seniors generally get an increase of $1,300 per married person or $1,650 per single person from the usual standard deduction. For the 2020 tax year - meaning the return that's due in April - the IRS defines "senior" as someone born before Jan. 2, 1956. For two married seniors, for example, that's an extra $2,600 they get...

The Power of Silence

Today we'll be diving into the power of silence and why it isn't easy and why you need to practice it!This article by Stephanie Ludwig, PhD, MA, MDiv, Director of Spiritual Wellness at Canyon Ranch Tucson is a helpful tool to understanding and mastering it.Suddenly you have downtime. What do you do?Chances are, you're geared to filling in that time-probably without even thinking about it-by answering a few emails, doing a little work, cleaning, surfing the web, or catching up on your recorded TV shows. You may not think to yourself, I think I'll sit in silence.Yet most of us crave more downtime, more stillness. So why don't we make it happen?"Silence can make us uncomfortable because we're so used to distracting ourselves from what we're feeling-from difficult emotions like fear, resentment or anger," says Stephanie Ludwig."When we're truly and intentionally silent, we have to face whatever is inside of us." Instead, we keep moving and making plans and doing things for others. "We live in such a 'doer' culture-go, go, go, do, do, do," Ludwig notes. "If we really knew the blessings that come from being in silence, we would definitely make more time for it."Be Well,Anisa What Being...

Over 65? Stop Doing This ASAP!

Slowly sipping on a cup of coffee is one of life's simple pleasures.Nothing beats that warmth, comfort, and energy boost it gives you as you dive into your to-do list for the day… that is, until it gets cold. If you're the kind of person who gets intensely focused on something, chances are you forget about your drink until it cools down and you need to make a trip to the microwave. Unfortunately, reheating coffee in the microwave has some serious downsides.It isn't just coffee! Today we'll explore this in greater detail.Be Well,Anisa Microwaves Don't Heat Food Evenly… As we all know from experience, microwaves don't heat food evenly. Cold spots happen because the food heats up from the outside in, as The New York Times points out. This might seem like a simple inconvenience, but it could actually become a health hazard. Michigan State University reports that those cold spots in your food can harbor pockets of bacteria that don't die after a few minutes in the microwave. You may be tempted to ignore those cold spots. After all, you probably haven't gotten sick from them yet, right? However, microwaved food has been linked to foodborne illnesses in the...

Grow Your Savings With These 5 Tricks

Who doesn't want to save money? It may seem hard, but you are probably overlooking these simple ways to accumulate some extra savings.This is beyond what we normally hear of cutting the cable cord and dropping the morning mochas, but those suggestions seem like work. So, rather than make saving a chore, make it a game!Following are five ways to play the savings game.Be Well,Anisa 1. Stash Away What You Save On Deals And Cash Rebates… The next time you score a deal, be it through shopping at a sale or using a coupon, put the difference between the regular price and the discounted price in the bank. This strategy can not only help you save more but also lead you to shop less. After all, those $50 jeans will still effectively cost you $50 in the end. So, this strategy can help you decide if something is really worth spending money on. To bulk up your savings a lot faster, bank your cash rebates too. 2. Never Get A Raise Again… Another painless savings strategy is to bank all of your raises. If you can pay bills on your current income, you can simply send all that extra money...

11 Signs and Symptoms of Too Much Stress

We all have stress in our lives. I think it is unavoidable. But too much stress can lead to a long list of physical and mental issues.What is too much stress though? I found this article from Healthline. It lists 11 signs that could signal you're under too much stress.I will tell you to read with caution. Almost all of us will suffer from many of these… it just could be a warning sign if you are experiencing too many at the same time. Last thing in the world I want this article to do is stress you out about having some or all of these signs!Be Well,Anisa 1. Acne… Acne is one of the most visible ways that stress often manifests itself. When some people are feeling stressed out, they tend to touch their faces more often. This can spread bacteria and contribute to the development of acne. Several studies have also confirmed that acne may be associated with higher levels of stress. One study measured acne severity in 22 people before and during an exam. Increased levels of stress as a result of the exam were associated with greater acne severity (2Trusted Source). Another study of 94 teenagers...