Archive for January 2012

SENIORS TRAVEL THE LEWIS AND CLARK TRAIL

Jan 31st, 2012 | By James E Becker | Category: Senior Travel

Seniors Join Footsteps of Lewis and Clark I invite seniors to explore the Lewis and Clark Trail for an exciting journey filled with history, natural beauty and an opportunity to meet interesting people along the way. Explore the Lewis and Clark Trail by following the tracks of the Corps of Discovery as they discovered a [...]



A SENIOR QUESTION: WHAT APPROACH DO YOU TAKE AT SCJ?

Jan 31st, 2012 | By Dr Jerry D Elrod | Category: Senior Moments Blog

The other day I introduced an older gentleman and his lovely wife, who were just one table over from us in a local restaurant, to Senior Citizen Journal. His appropriate question was: “Well, what approach do you take?”

While I might have been taken aback, I was quickly aware I was dealing with a very astute contemporary senior observer. Everybody is somewhat suspicious these days. And everybody is met so often with some self serving agenda, that such a question is quite appropriate and well deserved.



SENIOR TRAVEL TO BOGOTA

Jan 30th, 2012 | By James E Becker | Category: Senior Travel

Seniors Touch Down in Bogota, Colombia Have you been to South America yet?  I have had the good fortune of visiting in several countries, but not Colombia. Ecuador was close, but I never got to cross the border to visit Bogotá. There is much diversity in South America… each country has its own history, cultural [...]



SENIORS: BEFORE SPENDING IT ALL

Jan 30th, 2012 | By Dr Jerry D Elrod | Category: Senior Moments Blog

Before all your resources are spent, you may want to identify a means for evaluating what intentional desires you have for your estate upon your death. Making decisions about your estate is an early on decision which prevents heartache and disappointment later.

For those who have structured their lives to take into account the consequences of choices, this will be less a challenge than for those who have lived day to day. Resources must be tended to, like a garden. If those resources are to provide sufficient income for yourself and, if you desire to be in a position to gift others, then intentionality will be a major influence.

Upon retirement, there are several practical and flexible issues that need to be taken into account. Having made out an estate plan in



EDUCATIONAL OPPORTUNITIES ONLINE FOR SENIORS

Jan 29th, 2012 | By Sharon Shaw Elrod MSW EdD | Category: Lifestyle, Health & Fitness

Lifelong Education for Seniors Lifelong learning isn’t a new concept.  Many seniors have taken courses of interest to them over the past several decades. Such courses have been offered at senior citizen centers, colleges and universities and civic and religious organization facilities.  Just because we’re retired, and faced with more limitations than we would like, [...]



HOTEL SAFETY TIPS FOR SENIOR WOMEN TRAVELING

Jan 29th, 2012 | By Sharon Shaw Elrod MSW EdD | Category: For Senior Women

Women Enjoy World-Wide Travel Women increasingly are enjoying worldwide travel, sometimes solo and sometimes in groups.  Some of us have no compunction about setting out by ourselves, and others of us have varying degrees of reticence.  No matter how you categorize yourself, you need to remain aware that women are often targeted for crime because [...]



GUARANTEED INCOME PLANNING FOR SENIORS

Jan 29th, 2012 | By Sharon Shaw Elrod MSW EdD | Category: Senior Finances

A recent discussion in a social situation brought some interesting considerations to light regarding senior citizen finances.  A group of seniors were talking about their needs for predictable guaranteed income, monthly sums they could depend on not influenced by the fluctuations of the stock market. Tens of thousands of senior citizens find themselves in this [...]



CONSIDERATIONS WITH PART C – MEDICARE ADVANTAGE PLANS

Jan 29th, 2012 | By Sharon Shaw Elrod MSW EdD | Category: Social Security & Medicare

Medicare Advantage Part C One of SCJ editors had an interesting experience recently with Medicare Part C.  That is the Medicare Advantage program which seniors can opt for instead of Original Medicare. Medicare Advantage programs are offered by private insurance companies and provide coverage for hospitals, medical and prescription drugs; they replace Original Medicare.// A [...]



JUST FOR SUNDAY, 1/29/12

Jan 29th, 2012 | By Dr Jerry D Elrod | Category: Senior Moments Blog

Elizabeth Blackwell, the first female doctor in America, started her practice in New York in 1851. Not only was she unable to find patients–no one would even rent her a room once she mentioned that she was a doctor. After weeks of trudging the streets, she finally rented rooms from a landlady who asked no questions about what Elizabeth planned to do with them.

Quaker women, who had always been receptive to the goal of equal rights, became Elizabeth’s first patients. But no hospital would would allow her on its staff. Finally, with financial help from her Quaker friends, Elizabeth opened her own clinic in one of New York’s worst slums.



LONG TERM CARE INSURANCE DECISIONS FOR SENIORS

Jan 27th, 2012 | By Dr Jerry D Elrod | Category: Senior Moments Blog

Best estimates currently are that 60% of senior citizens over 60 will need long term care in their lifetime. Those seniors at risk for early onset Alzheimers and Parkinsons will likely need care before the age of 60. Seniors everywhere need to look seriously at purchasing long term care insurance.

SCJ’s advice is that before one more day passes, set up an appointment to apply for Long Term Care Insurance coverage. The sooner you explore this option, the more likely you are to be very pleased with your intelligence and foresight. Waiting or putting off the decision will simply cost you more in the future. Or, it will create less likelihood of your being accepted.

The process is simple. Go to your primary care physician and have a conversation with him/her about the advantages of long term