Dr. Mauk’s Boomer Blog

Research indicates that Americans are living longer than any other period in history. The best way to ensure your quality of life in your senior years is by addressing mental and physical health. Here are some tactics that can help make your golden years even more exciting.

Be Active in Your Healthcare
Not only do you need to make sure you have a primary care physician familiar with your health history, you also need to make sure you stay up to date on how you’ll pay for regular checkups, appointments with specialists, and medication. This includes keeping an eye on your Medicare plan and making changes to it as necessary. You may want to consider signing up for a Medicare Advantage plan, which offers perks that regular plans don’t cover. For instance, a Humana Medicare Advantage Plan offers benefits like a Nurse Advice Line, which saves you from the time and hassle of visiting your doctor for every little ache and pain, and enrollment in SilverSneakers, which will help you stay active throughout your golden years — another critical component of your quality of life.

Exercise Regularly
The body isn’t able to repair itself as quickly when we become older — not to mention, the loss of muscle mass contributes to mobility issues. Not only can regular exercise improve both of these concerns, but it can also regulate blood pressure and sugar management, boost mood, strengthen the immune system, improve gastrointestinal function, enhance cognitive ability, prevent heart disease and diabetes, and make it easier to manage weight. There’s no need to push yourself too hard. Even simple walking for 30 minutes four times a week is enough to get going. Seniors can also work out at home with exercise videos, fitness apps, and Wii games.

Eat Well
Eating a healthy diet is crucial at every stage of life, but takes on an even more important role as our bodies change with age. Your doctor may recommend a specific diet that tailors to your unique health needs — if you need to consume more protein or calcium, for example — but in general, you’ll need to eat foods that make your microbiome happy. Not only will eating probiotic-packed and fermented foods help you stay regular, you’ll actually feel happier and more energized overall by taking care of your gut health, since doing so ramps up your body’s production of the feel-happy chemical serotonin.

Improve Quality of Sleep
Research suggests that seniors can benefit from quality and quantity of sleep more than they did in their younger years. There are several tactics that can make it easier to get ample shuteye, since it can be a challenge for the elderly. This includes increasing daytime light exposure, ditching caffeine and alcohol in the evening hours, exercising early in the day, making your bedroom a cool and dark respite, unplugging from electronics at least one hour before bed, and consistent bed- and wake-up times.

Stay Social
It’s important to stay social in order to keep your mental health in check. Some easy ways to stay socially engaged include connecting with friends via social media, joining a club or senior center, volunteering, helping out your family (such as babysitting the grandkids so your adult children can enjoy a date night), and taking up a part-time job.

It’s important that you have an established primary care physician and that you visit him or her regularly. You’re more likely to prevent illness and disease when you’ve got a health care schedule in place (as well as a plan to pay for it). A pro can also direct you to other specialists and help guide you through the financial side of care, too.

Photo Credit: Pixabay

Introduction: Being a grandparent is special in many ways. It sometimes means overspending and spoiling our grandkids. We tend to cut down on other expenses rather than buying gifts for our cute little ones.

What’s so special about being a grandparent? Grand parenting brings along with it opportunities for loving a new person, the magic of childhood, play and fun and the joy of parenthood minus the heartache that often goes along with it. It is also an opportunity to share your hobbies with a young, curious mind, watch as the kids grow and develop, provide encouragement and make an impact, draw upon your breadth of experience to guide the child through life’s challenges. Many grandparents, in today’s graying America, provide care for their grandkids while mom goes off to work. This can be a very enriching experience for both.

Why do we overspend on our grandkids? A 2012 study by AARP shows that 89% of grandparents spoil their grandkids. USA Today says that 40% of Americans spend $500 or more per year on their grandchildren. Some grandparents even pay for their grandchildren college education and afterschool activities, such as piano lessons and dance classes. Grandparents often find themselves in a dilemma where they would like to be there for their adult kids financially but don’t want to jeopardize their retirement savings.

Where can I cut on spending?

• Give the gift of time. It doesn’t always have to be a gift. Going on a hike together or doing a baking project can be a very memorable one for the two of you, much more so then a gift. Share stories. Your grandchildren will be delighted to hear stories about when their parents were children. Get with the times and learn to text and build a relationship that will last.
• Make a budget. “Making a budget is the most important thing you can do because then you will be able to understand where your money is going and where you can afford to make cuts,” says Meg Favreau, senior editor of Wisebread.com. Grandparents should not fall into the trap of overspending on their grandkids. “If it’s affecting your ability to meet your obligations or is dipping into retirement savings, that’s a sign that it’s excessive spending,” says Suzanna de Baca, vice president of wealth strategies at Ameriprise Financial. For full article, click here.

Save your retirement for the fun things in life. Very often, without proper planning, our retirement funds get totally wiped out down the road if a loved one requires long-term care. Medicaid will usually cover for many types of care, including in-home, assisted living and nursing home care. They will however “look back” for a period of five years prior to application to uncover monetary gifts granted- “spent down” during that period, in which case they will impose a penalty corresponding with the gifted funds. Plan ahead and gift the monies to your loved ones now, so it doesn’t hurt you in the years to come. A Medicaid planning company like Senior Planning Services can guide you through the application process if you’re eligible and help shoulder the burden in these stressful times.

Conclusion: Being a grandparent is one of life’s most meaningful pleasures, but it can also be a juggling act. Knowing when to educate, when to spoil, when to stop spending, when to “spend down” and when to save your retirement funds; are all part of this blessing called grandparenthood.

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