Monday 29 June 2015

6 ways you can prepare to “age well”

You’re probably already doing a lot to ensure that you stay in good health and are able to enjoy your later years: eating right, exercising, getting checkups and screenings as recommended by your doctor. But it also makes sense to have some contingency plans for the bumps in the road that might occur.
  1. Adapt your home. Stairs, baths, and kitchens can present hazards for older people. Even if you don’t need to make changes now, do an annual safety review so you can make necessary updates if your needs change.
  2. Prevent falls. Falls are a big deal for older people — they often result in fractures that can lead to disability, further health problems, or even death. Safety precautions are important, but so are exercises that can improve balance and strength.
  3. Consider your housing options. You might consider investigating naturally occurring retirement communities (NORCs). These neighborhoods and housing complexes aren’t developed specifically to serve seniors — and, in fact, tend to host a mix of ages — but because they have plenty of coordinated care and support available, they are senior-friendly.
  4. Think ahead about how to get the help you may need.Meal preparation, transportation, home repair, housecleaning, and help with financial tasks such as paying bills might be hired out if you can afford it, or shared among friends and family. Elder services offered in your community might be another option.
  5. Plan for emergencies. Who would you call in an emergency? Is there someone who can check in on you regularly? What would you do if you fell and couldn’t reach the phone? Keep emergency numbers near each phone or on speed dial. Carry a cellphone (preferably with large buttons and a bright screen), or consider investing in some type of personal alarm system.
  6. Write advance care directives. Advance care directives, such as a living will, durable power of attorney for health care, or health care proxy, allow you to explain the type of medical care you want if you’re too sick, confused, or injured to voice your wishes. Every adult should have these documents.
To learn more ways to enjoy independence and good health in your senior years, buy A Plan for Successful Aging, a Special Health Report from Harvard Medical School.

Saturday 27 June 2015

Brain Cells Protected From Age Damage With Help of Common Protein

A common protein, when produced by specialized barrier cells in the brain, could help protect the brain from damage due to aging. This protein – MARCKS – may act as both a bouncer and a housekeeping service, by helping clear away proteins and keeping the cell barrier intact, and its absence in these cells weakens their ability to serve as a barrier and transport system for cerebrospinal fluid (CSF) in the brain.
Your brain doesn’t just sit in your skull like play-doh in its plastic case. It’s surrounded and cushioned by CSF, a clear, colorless fluid produced in the brain that circulates nutrients and chemicals taken from blood throughout the brain. CSF also removes waste products and sends them back out to the bloodstream for disposal.
Like blood, CSF only circulates through certain channels. Ependymal cells are the specialized cells that serve as both the barrier to keep the CSF running through its channels and as the transport system that moves various molecules between the brain and the CSF.
The ependymal cell’s exact functions are not well known. Troy Ghashghaei, associate professor of neurobiology at NC State, wanted to study the development of ependymal cells in the brain to better understand their function. He and his colleagues looked at ependymal cells that did not express MARCKS proteins. “We originally knocked out the MARCKS protein in ependymal cells to see if it played a role in their development, but its lack didn’t appear to affect normal development,” says Ghashghaei. “Instead, we found that the ependymal cells without MARCKS seemed to ‘age’ very quickly, losing some of their barrier and transport functions.”
One of the more interesting findings was that when MARCKS was removed, the amount of mucins (mucous molecules) and lipids (fat molecules) in the ependymal cells increased. While mucins are well known for their functions in the respiratory and gastrointestinal tracts, their presence and function in the brain were not known until this study.
The researchers found that elevated levels of mucins and lipids resulted in increased amounts of oxidative stress in ependymal cells, which in turn affected their ability to act as an effective barrier between the CSF and the brain. Surprisingly, the reduced effectiveness of the ependymal barrier led to signs of rapid aging in the rest of the brain, suggesting that these cells – and the MARCKS protein – play an important role in protecting against the effects of aging in the brain.
This image shows an artistic rendition of ependymal cells building up lipid droplets (round objects) during aging.
Artistic rendition of ependymal cells building up lipid droplets (round objects) during aging. Image adapted from the North Carolina State University article.
“It seems that MARCKS is critical for the trafficking and clearance of some proteins through these ependymal cells,” Ghashghaei says. “We found a similar increase in oxidative stress and decrease in barrier function in older ependymal cells. It may be that disrupting the normal function of these cells – either through loss of a protein like MARCKS or the aging process – may trigger the onset of certain neurological conditions or help explain the process of cognitive decline.
“That the function of a thin layer of cells that lines the ventricles in the brain may be protecting the brain against aging is a new paradigm and with interesting future implications in both our understanding of age-associated conditions in the brain, as well as how we think about new therapies against various geriatric brain conditions. ”
About this genetics research
Funding: The work was supported by grants from the National Institutes of Health and the American Federation for Aging Research.
Source: Tracey Peake – North Carolina State University
Image Credit: Image adapted from the North Carolina State University article
Original Research: Full open access research for “MARCKS-dependent mucin clearance and lipid metabolism in ependymal cells are required for maintenance of forebrain homeostasis during aging” by Nagendran Muthusamy, Laura J. Sommerville, Adam J. Moeser, Deborah J. Stumpo, Philip Sannes, Kenneth Adler, Perry J. Blackshear, Jill M. Weimer and H. Troy Ghashghaei in Aging Cell. Published online May 25 2015 doi:10.1111/acel.12354

Abstract
MARCKS-dependent mucin clearance and lipid metabolism in ependymal cells are required for maintenance of forebrain homeostasis during aging
Ependymal cells (ECs) form a barrier responsible for selective movement of fluids and molecules between the cerebrospinal fluid and the central nervous system. Here, we demonstrate that metabolic and barrier functions in ECs decline significantly during aging in mice. The longevity of these functions in part requires the expression of the myristoylated alanine-rich protein kinase C substrate (MARCKS). Both the expression levels and subcellular localization of MARCKS in ECs are markedly transformed during aging. Conditional deletion of MARCKS in ECs induces intracellular accumulation of mucins, elevated oxidative stress, and lipid droplet buildup. These alterations are concomitant with precocious disruption of ependymal barrier function, which results in the elevation of reactive astrocytes, microglia, and macrophages in the interstitial brain tissue of young mutant mice. Interestingly, similar alterations are observed during normal aging in ECs and the forebrain interstitium. Our findings constitute a conceptually new paradigm in the potential role of ECs in the initiation of various conditions and diseases in the aging brain.
“MARCKS-dependent mucin clearance and lipid metabolism in ependymal cells are required for maintenance of forebrain homeostasis during aging” by Nagendran Muthusamy, Laura J. Sommerville, Adam J. Moeser, Deborah J. Stumpo, Philip Sannes, Kenneth Adler, Perry J. Blackshear, Jill M. Weimer and H. Troy Ghashghaei in Aging Cell. Published online May 25 2015 doi:10.1111/acel.12354

Tuesday 23 June 2015

Brain Vitamins Can Improve Your Cognitive Function

There are vitamins that many people take to improve the function of the brain. Before taking any of these or supplements, make sure that you consult a doctor to minimize risks and complications.
Many people try to use nutrients and supplements to repair tissue that's been damaged. Before taking any minerals, make sure that you consult a doctor because many can be harmful, especially to children. He or she'll examine you thoroughly and even can advise you on some nutrients you can take to achieve your desired results.
If you notice some mental fatigue or want to increase cognitive function, your first step should be to try and obtain vitamins and supplements through food. For example, many individuals choose to eat blueberries because they're an antioxidant and are extremely health. There are other foods that help with improving mental functioning such as raisins, berries, apples, spinach and cherries.
These can dramatically reduce memory loss and restore motor balance. Too much simple carbohydrates can be detrimental to the body because they produce a rise in blood sugar so you should try and eat foods high in complex carbohydrates such as peanuts, beans and yogurt. Normally natural enhancers and vitamins are better than unnatural ones.
There are several foods to avoid because they're not good for your mind. For example, you'll want to avoid certain fats, which can inflame your brain tissue and can produce blood damage. They can also decrease blood circulation. Certain oils aren't good for the mind also and should be avoided. Sugars should be avoided which can affect the amount of glucose in the blood within the brain. This can lead to damage to the cells.
You may want to try high quality minerals and additives first however many times the lower priced ones work just as well. you'll want to give the supplements adequate time to work in your body. You may want to take some multivitamins to ensure your mind is performing at an optimal level and invest in antioxidant vitamins to help clean out the brain.
Omega-3 has been known to help mental functioning and mood which can effect IQ and brain development. Fish can be a great way to get Omega-3. Selenium can be found in grains and meats along with seafood and can be a great way of changing the mood of the individual. Vitamin E can also help with blood circulation which can improve functioning.
Folic acid has been known to address Alzheimer’s disease as well as age related memory loss. The B ones can improve memory and can help minimize stress and again assist the mind in development. There are a variety of items on the market so make sure you research their effects and also acknowledge the risks and side effects.
There are many minerals that you can take to help with intellect and mental functioning. As long as you consult a doctor, there are safe supplements that you can take that'll lead to lasting results.
Brain vitamins help support memory, concentration and overall cognitive performance by aiding the circulation of blood and oxygen to the brain which helps to remove unwanted toxins. To know more, visit http://www.goodelements.com.

Monday 22 June 2015

The secrets to a healthy life


They say you are what you eat. In the world of medicine, that couldn’t be more true.

What we choose to eat has a powerful impact on both our internal and external environments. When we realize that something as primal as what we choose to put in our mouths each day makes an important difference in these crises, it empowers us and imbues these choices with meaning. If it’s meaningful, then it’s sustainable—and a meaningful life is a longer life.
For almost four decades, my colleagues and I at the non-profit Preventive Medicine Research Institute and the University of California, San Francisco, have conducted clinical research proving the many benefits of comprehensive lifestyle changes. These include:
  • a whole foods, plant-based diet (naturally low in fat and refined carbohydrates);
  • stress management techniques (including yoga and meditation);
  • moderate exercise (such as walking); and
  • social support and community (love and intimacy).
In short—eat well, move more, stress less, and love more.
Many people tend to think of advances in medicine as high-tech and expensive, such as a new drug, laser, or surgical procedure. We often have a hard time believing that something as simple as comprehensive diet and lifestyle changes can make such a powerful difference in our lives—but they often do.
In our research, we have used high-tech, expensive, state-of-the-art scientific measure to prove the power of these simple, low-tech and low-cost interventions. These randomized controlled trials and other studies have been published in the leading peer-reviewed medical and scientific journals.
In addition to preventingmany chronic diseases, these comprehensive diet and lifestyle changes can oftenreverse the progression of these illnesses.
We proved, for the first time, that lifestyle changes alone can reverse the progression of even severe coronary heart disease. There was even reversal after five years than after one year and 2.5 times fewer cardiac events. We also found that these lifestyle changes can reverse type 2diabetes and may slow, stop, or even reverse the progression of early-stageprostate cancer.
Changing lifestyle actuallychanges your genes—turning on genes that keep you healthy, and turning off genes that promote heart disease, prostate cancer, breast cancer, and diabetes—over 500 genes in only three months. People often say, “Oh, it’s all in my genes, there’s not much I can do about it.” But there is. Knowing that changing lifestyle changes our genes is often very motivating—not to blame, but to empower. Our genes are a predisposition, but our genes are not our fate.
Our latest research found that these diet and lifestyle changes may even lengthen telomeres, the ends of our chromosomes that control aging. As your telomeres get longer, your life gets longer. This was the first controlled study showing that any intervention may begin to reverse aging on a cellular level by lengthening telomeres. And the more people adhered to these lifestyle recommendations, the longer their telomeres became.
This is a different approach to personalized medicine. It’s not like there was one set of diet and lifestyle recommendations for reversing heart disease, a different one for reversing diabetes, and yet another for changing your genes or lengthening your telomeres. It’s as though your body knows how to personalize the medicine it needs if you give it the right raw materials in your diet and lifestyle.
It’s not all or nothing. In all of our studies, we found that the more people changed their diet and lifestyle, the more they improved and the better they felt—at any age. So, if you indulge yourself one day, just eat healthier the next. If you don’t have time to exercise one day, do a little more the next. If you don’t have time to meditate for an hour, do it for a minute. What matters most is your overallway of eating and living.
These lifestyle changes are part of the most influential trend in medicine today—what is known as “Lifestyle Medicine,” which is lifestyle astreatment as well as prevention.
Health Care Crisis:
There is a convergence of forces that makes this the right idea at the right time. While the limitations of high-tech interventions such as drugs and surgery are becoming increasingly well-documented, the power of diet and lifestyle interventions is also becoming clearer.
More than 86% of the $3trillion in annual U.S. health care costs (which are really predominantly sick-care costs) are from chronic diseases which can often be prevented and even reversed by making healthier diet and lifestyle choices, at a fraction of the costs—and the only side-effects are good ones.
For example, in the European Prospective Investigation into Cancer and Nutrition (EPIC) study, patients who adhered to healthy dietary principles (low meat consumption and high intake of fruits, vegetables, and whole-grain bread), never smoked, were not overweight, and had at least 30 minutes a day of physical activity had a 78% lower overall risk of developing a chronic disease.
This included a 93% reduced risk of diabetes, an 81% lower risk of heart attacks, a 50% reduction in risk of stroke, and a 36% overall reduction in risk of cancer, compared with participants without these healthy factors.
That’s really mind-boggling. Type 2 diabetes and pre-diabetes are pandemic, already affecting almost one-half of all Americans. United Health Care projected that if current trends continue, annual costs from these will be more than $3.3 trillionover the next decade, which is clearly not sustainable.
And yet the EPIC study showed that type 2 diabetes is completely preventable for at least 93% of people today. We don’t need a new breakthrough; we just need to put into practice what we already know. Also, lowering blood sugar with diet and lifestyle is more effective at preventing premature death and disease than getting it down with diabetes medications.
Likewise, heart and blood vessel disease is still the number-one cause of death in the U.S. Yet at least 90% of heart disease can be prevented—today!—by changing diet and lifestyle. And that’s probably an underestimation.
It’s not just low-fat vs. low-carb. A study found that animal protein dramatically increases the risk of premature death independent of fat and carbs. In a study of over 6,000 people, those aged 50-65 who reported eating diets high in animal protein had a 75% increase in overall mortality, a 400% increase in cancer deaths, and a 500% increase in type 2 diabetes during the following 18 years. In contrast, plant-based proteins were protective.
At the same time that the power of comprehensive lifestyle changes is becoming more well-documented, the limitations of high-tech medicine are becoming clearer.
For example, randomized controlled trials have shown that angioplasties, stents, and coronary bypass surgery do not prolong life or prevent heart attacks in most stable patients. Only 1 out of 49 people with early-stage prostate cancer and PSA levels below 10 may benefitfrom surgery or radiation; the other 48 may become incontinent, impotent, or both—i.e., maimed in the most personal ways.
Yet when men are diagnosed with prostate cancer, most want to do “something” if the only alternative is to do nothing—watchful waiting or active surveillance. As mentioned earlier, our randomized controlled trial showed that comprehensive diet and lifestyle changes may slow, stop, or even reverse the progression of early-stage prostate cancer, so this may be a third alternative for many men.
Lifestyle medicine is cost effective as well as medically effective. Our research has shown that when comprehensive lifestyle changes are offered astreatment (not just as prevention), significant cost savings occur in the first year because the biological mechanisms that control our health and well-being are so dynamic.
For example, Highmark Blue Cross Blue Shield found that overall health care costs were reduced by 50% in the first year when people with heart disease or risk factors went through our lifestyle program in 24 hospitals and clinics in West Virginia, Pennsylvania, and Nebraska. In patients who spent more than $25,000 on health care in the prior year, costs were reduced 400% in the following year. In another study, Mutual of Omaha found that they saved $30,000 per patient in the first year in those who went through our lifestyle program.
Because of these findings, Medicare began covering my program of lifestyle medicine for reversing heart disease in 2011 when they created a new benefit category. If it’s reimbursable, it’s sustainable. Last year, I began a partnership with Healthways to create a new paradigm of health care based on our work. Already we have trained The Cleveland Clinic, Beth Israel Medical Center, UCLA, and many others. Now that Medicare is covering my program, the other major insurance companies are doing so as well, including Anthem (formerly WellPoint), Aetna, Highmark Blue Cross Blue Shield, and many others.
Environmental Crisis:
Many people are surprised to learn that animal agribusiness generates more greenhouse gases than all forms of transportation combined. The livestock sector generates more greenhouse gas emissions than the entire global transportation chain as measured in carbon dioxide equivalent (18% vs 13.5%). More recent estimates are that these numbers are even higher—that livestock and their byproducts may actually account for more than 50% of annual worldwide greenhouse gas emissions (at least 32.6 billion tons of carbon dioxide per year).
More than half of U.S. grain and nearly 40% of world grain is being fed to livestock rather than being consumed directly by humans. In the United States, more than 8 billion livestock are maintained, which eat about seven times as much grain as is consumed directly by the entire U.S. population. It takes over ten times as much energy and resources to eat a meat-based diet than a plant-based diet.
We have enough food today to feed all 7 billion humans on the planet if more people ate lower on the food chain.
Producing 1 kg of fresh beef requires about 13 kg of grain and 30 kg of forage. This much grain and forage requires a total of 43,000 liters of water.
Governor Jerry Brown recently ordered water restrictions in California. Many people don’t realize that a long shower takes 40 gallons of water but it takes 4,000-18,000 gallons of water to make one 1/3 pound hamburger according to the U.S. Dept. of the Interior.
More than half of U.S. grain and nearly 40% of world grain is being fed to livestock rather than being consumed directly by humans. In the United States, more than 8 billion livestock are maintained, which eat about seven timesas much grain as is consumed directly by the entire U.S. population.
So, to the degree we choose to eat a plant-based diet, we free up tremendous amounts of resources that can benefit many others as well as ourselves. I find this very meaningful. And when we can act more compassionately, it helps our hearts as well.
Dean Ornish is founder and president of the Preventive Medicine Research Institute and clinical professor of medicine at the University of California in San Francisco.

Wednesday 10 June 2015

Four Ways To Pull The Plug On The Negative Effects Of Workplace Stress

The pile-up doesn’t go unnoticed, but it only really strikes you when you realize that your performance is slipping and you’re off your game. Stress can be detrimental to your health and subsequently your performance- some projections put the cost of stress leading to poor health at millions of dollars each year. If you nip the stress attacks in the bud, you’ll be coasting in the clear.
Control comfort food cravings A change in workplace routine or responsibilities is usually associated with stress. How soon we adapt to that change is most likely one of the most important factors in triggering stress. When that adaptation takes too long to kick in, that change serves as one of the bases for the buildup of stress. Then come those hefty feelings of being powerless and losing control. Not only can stress kill your productivity, but it also has its toll on emotional and physical health. Things to take note of include a loss of appetite, insomnia, fatigue, grinding teeth, and impaired digestion. Studies have shown that stress also has an affect on food choices– tending more towards “comfort food” that is characterized by its high fat and sugar content. Stick with your healthier options and prevent adding ill diet to the list of problems you need to address.
Be proactive about being active Physical activity has proven to be one of the best ways to handle stress. Numerous studies have indicated that physical activity is integral in its capacity to enhance the body’s stress response and in developing psychological resilience. You can also use your determination towards better physical performance as a means to tame the urge for unhealthy food choices. You work out and you well eat well, then you are in a better mental and physical state to cope with your onslaught of work-related pressures that come your way.
Own a challenge on time On a positive note, stress has its advantages as well. Setting short-term, attainable, personal goals, and working towards them can give you back that lost sense of control. That, and a “mission accomplished” never fails to make the day. Organize your week with productivity in mind. Allocate time slots to tackle tasks at work, but don’t restrict your time-off afterwards. Whether it’s a cup of coffee at sunset or an iced tea by the beach, give yourself enough quality time to re-energize and start anew the next day.
Get engaged and feed off of the energy If your social life has made you happy at some point in the past, it’ll probably work again. Fall back on your social network for an emotional upper, and engage in activities outside of work that have proven to enhance your mood. Caring for and helping others is also scientifically proven to boost morale and that will help you regain control. It also helps to surround yourself with positive people, as they are the ones to get you back on track. All this will kick you back into action, strong and with fresh perspective.  

Gulp! Mom, Far Away, Is At The Emergency Room-What Now?

Imagine yourself in this situation: you get a phone call from your aging parent, sounding serious.  You’re hundreds of miles away.  It’s a medical matter.
We recently found ourselves on the receiving end of this.  “It’s Mom.  I can’t swallow, and this has been going on all day. I went to Urgent Care and they sent me to the emergency room at the hospital.”  There’s no way we can get there fast, even if we want to.  No one knows if this is anything really bad or if it can be fixed quickly. What to do? 
My husband, Mikol was feeling terrible that he couldn’t just rush down to be with Mom. After all, she’s 92 and lives alone.  That helpless feeling again.  If you live at a distance from your aging loved ones, this could happen to you. 
emergencyBut with our expertise in this whole aging subject at AgingParents.com, we had prepared for this possibility. Over her protests, and after the last scary episode some time ago, we had hired a geriatric care manager.  No, my mother in law, Alice doesn’t need frequent watching over, a point she berated us about. She’s quite independent.  And she refused to accept that she was going to have to pay someone by the hour to do an assessment on her and have a file of her personal medical history.  “I’m fine, I don’t need it” she protested vehemently. She wouldn’t even let the care manager see her until we agreed to pay for it.  But she relented and met the competent nurse-care manager we had located for her.  Care manager Diane was kind, friendly and available.  She got the basic information, and hadn’t had to do anything since except to update her file by seeing Alice once more, many months before this incident.  She knew Alice and was informed about her medical history. That was what counted. 
 
But now we needed her and fast. Luckily, she was available when we called. She rushed over to the E.R. and met Alice there. She stayed with her and stayed in touch with us via text through the tests and examinations done on Alice. She told us what was going on each step of the way. It was a godsend.  Fortunately the doctors found the problem and fixed it. Alice was released but was told not to drive herself home, due to medication she had taken in E.R.  Diane drove Alice home in Alice’s car and then took a cab back to her own vehicle after Alice was safely home again. 
The takeaway here is that you do not have to be left in the lurch if  you have an aging parent at a distance and no family nearby.  Sometimes there is a friendly neighbor who can help you if you get the kind of phone call we did.  Or you could get a call from the hospital saying your aging parent is admitted there.  But if neighbors can’t be counted on, a geriatric care manager can really ease your mind.  Here are some pointers that are for the proactive thinker, the adult child who wants to be prepared. 
1. Get the contact info for neighbors and friends of your aging parents and keep it in your phone or an easily accessible place. You may not have time to go searching when an emergency happens. Meet the neighbors and let them know you appreciate the contact they have with your aging loved ones.
2.  Consider hiring a care manager to at least size up your aging loved one’s situation, keep notes on their medical history and be a resource for you if you can’t get there quickly in a  crisis. Maybe you don’t even need to be there personally, but you don’t want your aging parent to be at a hospital all alone. 
Care managers generally charge for an initial assessment of the elder, sometimes a flat fee. They then have crucial information that may be needed, especially if your aging parent is unable to speak or needs an advocate.  The care manager is “boots on the ground”.   Remaining services they offer are typically charged hourly.  Regardless of the fees, the main consideration of whether or not to hire a care manager is your peace of mind.  In our case, I was so relieved that Alice did not have to endure hours of waiting, exams and tests in E.R. while all alone there. And we did not have to endure the highly stressful waiting to get any idea of how serious a problem Mom was having.
In all, despite the scare, we did the right thing by planning for a crisis, and the care manager was an ideal liaison for us when we really needed her.  Of course, Mom will say the bill from Diane was too high, but that’s Mom.
Carolyn Rosenblatt, RN, Elder Law Attorney

Sunday 7 June 2015

Jobs that are LOOKING for baby boomers

Gary Olson put in 32 years as an analytical chemist at Kodak in Rochester, New York, including stints in R&D and on digital innovations. “I had a great career there,” Olson says. “I was never bored.” But worn down by Kodak’s constant restructuring and layoffs, in January 2002, at 56, Olson took a generous buyout offer.
employment_job_applicantsHe and his wife moved to Seattle to be closer to their daughter and her family and Olson kicked back for a few years. In 2005, he spotted a Craigslist job posting by the National Asian Pacific Center on Aging for a “senior environmental employee” at the U.S. Environmental Protection Agency. TheSenior Environmental Employment Program and position were reserved for workers 55 and older. Intrigued, he applied. “I wasn’t going to do what I did for more than 30 years,” says Olson. “I wanted to do something different.” He got the job.
Ever heard of the EPA’s Senior Environmental Employment Program, which has been around for 31 years? How about the comparable, seven-year-old Agriculture Conservation Experienced Services Program of the U.S. Department of Agriculture?
I hadn’t. These jobs are specifically designed to tap into the experience of boomers, yet not once in interviews for my Next Avenue column on job opportunities for people in their 50s and 60s did these programs or ones like them come up.
“Older workers are a largely untapped resource,” says Gregory Merrill, President and Chief Executive Officer of the National Older Worker Career Center, an 18-year-old nonprofit based in Arlington, Virginia. that operates the two programs mentioned. “What we find is boomers want to make a difference.” Merrill’s group has matched up hundreds of 55+ workers with the EPA and the U.S. Department of Agriculture around the country.
Lois Kohashi-Sinclair, who runs the two federal programs through her job at the National Asian Pacific Center on Aging in Seattle says, “A lot more people aren’t ready to go on the golf course and just hang it up. Boomers have a lot of strengths and knowledge.”
Job_workEnrollees receive a modest hourly wage — Olson started at $12.75 an hour, or about $27,000 for a 40-hour workweek — and many are eligible for benefits, such as health and dental insurance, paid holidays, vacation days and sick leave.
“This isn’t make-work,” says Merrill. “This is real stuff that has to be done.”
Randy Randall agrees. He’s a specialist with the Natural Resources Conservation Service and state coordinator for the Conservation Experienced Services Program in Colorado. Randall currently has ten people in the program, part-time and full-time, many with a natural resource background. They earn an average some $20 an hour.
Randall emphasizes that the jobs offer participants flexibility while the agency gets a skilled asset. “We can work with older, seasoned workers and have them mentor our younger natural resource folks,” he says.
People like Gary Olson, who’s now 70, assists 39 Indian reservations in Idaho, Oregon and Washington, focusing on education and outreach to improve their air quality. He worked 40 hours a week until cutting back to 30 hours this year.
“I am working with people a lot younger than I am and they are willing to weigh my ideas, which is nice and sometimes they have better ideas and that is good,” he says. “Retirement really isn’t what people envision when they say the word. It’s the next phase and if blessed with reasonably good health it’s good to expand your horizons.”  Merrill and Kohashi-Sinclair want to see this employment model expand into other government agencies (me too).
“People forget that there are many people who want to help make government better,” says Merrill. And they don’t need a “high-flying career,” adds Kohashi-Sinclair. She says: “A lot of people are looking for more passion in what they’re doing.”
If you’re looking for a job in your Unretirement, the federal government is worth exploring. For openings in the two EPA and Agriculture programs specifically for people 55+, visit thejob-postings area of the NOWCC site.
To look broader, check out the Go Government site, a one-stop shop created by the Partnership for Public Service, a bipartisan nonprofit. You can also find leads at theUSAJobs site. Just bear in mind that these sites aren’t limited to older workers, so you’ll have plenty of competition. Make your best case for yourself.

Saturday 6 June 2015

Telltale Signs Of Aging

Writer
On my late father-in-law's 90th birthday, I asked him what 90 felt like. "It feels like 50," he said, "except when I get up from a chair."
Now that I'm in my 60s, I'm beginning to know what he means. I'm active; I hike, I do Pilates, I work out with weights. But everything hurts. It's as if I've entered a world where there are two choices, aches and pains or death. So I move forward, but the telltale signs that I'm not 40 anymore are evident. It starts with the refrigerator. The other day my son came over and he opened my freezer to get some ice and I saw him staring.
"Close the door," I said. "It's not good to keep the freezer door open."
"Not good for what?" he asked. "The four ice packs you have in there?"
It was true. I had no food in there, unless you consider vodka and Weight Watchers ice cream cones food. But I did have an impressive variety of frozen compresses that fit whichever body parts needed attention. I had two that wrapped around the shoulder, two that velcroed around the knee, and two odd-shaped ones with individual ice pockets on it that were good for lying on. I used to have one compress for everything which worked fine until one day my husband and I needed it at the same moment.
He opened the freezer door and I assumed he was being gallant until he absentmindedly pushed in front of me and whipped out the frozen compress. "Shoulder's sore," he said. He wrapped the pack around his shoulder and left the room. "I was going to use that ice pack," I said. "I twisted something in my knee hiking." "Okay," he answered. "I'll give it to you in one minute." I waited in the kitchen until 20 minutes later when he came in and tossed the ice pack to me which at that point had room temperature water in it and the consistency of a dead fish. So I went out and bought two of every cold compress device designed for various body parts. These days it is not unusual to see us sitting in bed looking as if we are readying ourselves to be cryogenically preserved.
There are those telltale signs of being in my 60s everywhere. A while back I programmed the Easy Listening station into my Sirius-XM radio. I have NPR and CNN in there too, but I find myself hopping between Sinatra, Broadway show tunes and Kenny G most of the time. When I give my car to a valet parker, I switch to KISS-FM so they don't think they're parking the car for some geezer. But probably the three pairs of reading glasses in the cup holders are a dead giveaway.
I can't remember names or, sometimes, even faces. At an event I was at not long ago, a woman came up to me and gave me hugs and said how great it was to see me and I played that "great to see you too" game while I'm thinking she doesn't even look vaguely familiar. And worse, a couple of months later, the same person came up to me at a restaurant and said a big "hi again" and then she looked at me and said "you have no idea who I am, do you?" It turned out that we worked together years ago, sat in the same office, and we were even both pregnant during that time. She reminded me that we had shared one massively oversized pink sweater on various occasions towards the end of our pregnancies and apparently we had many laughs about this at the time. I remembered none of this.
I keep testing myself to see if the signs could be early stage Alzheimer's but when I Google the warning signs it says something like, "it's normal to forget where you put your keys, but you should see a doctor if you forget what your keys are for."
Which brings me to Eileen Fisher. A lot of things bring me to Eileen Fisher. Whether I have a special dinner to go, or a vacation is on the horizon or I've lost five pounds or gained 10, all paths lead me to Eileen Fisher. I know that the brand is trying hard to appeal to a younger crowd as well and I don't have access to reports on their demographics. I can only tell you that I have shopped at Eileen Fisher stores in Los Angeles, New York, Seattle and her boutiques in various department stores, and I have never seen any women in there under 50. If Eileen Fisher is reading this, I want her to know that her clothes are lovely and I appreciate her social consciousness. I am not trying to disparage her brand. I'd walk around naked half the time if it weren't for Eileen Fisher. I'm just saying that, no matter how hard Eileen might protest, a closet filled with Eileen Fisher clothes is one of the telltale signs that you've entered post mid-life.
And then there is what many people think has been the final straw. The thing that even I never believed myself capable of, the thing that I have always thought is what you do just before you put one foot in the grave ... no, to be accurate, what I always thought was the definition of putting one foot in the grave. I have taken up golf.
My husband has been playing golf pretty consistently for about 15 years. I have stayed in our marriage despite this. It was not easy because I have had something akin to contempt for the sport. I know this is not rational or even fair. And then one day, very recently, I walked into our kitchen where my husband was on the phone with Mary the golf pro, telling her he wasn't available for a 4:00 lesson on Sunday. I knew Mary was the golf pro at the club where my husband played because I'd endured years of "Mary said this and Mary said that." Just as he was about to hang up, I found these words coming out of my mouth, "I'll take the lesson." My husband looked immediately elated and I was immediately sorry but, too late because he said, "Mary, my wife is going to take that lesson," and he hung up faster than you can say "I'll have an Arnold Palmer."
It turns out I'm not bad for a beginner. I come home from a lesson with Mary and I find myself telling my husband, "Mary said this" or "Mary said that." He and I aren't competitive about golf but we are about which one of us Mary likes teaching more. Some of my friends who have shared the antipathy that I previously had for golf, feel that I am a traitor. But for each one of those women, I have found another one who has said to me, "I'm playing golf too! Let's play together sometime." And, no surprise, these are women of a certain age. My age, that is. I wouldn't say that I'm apologetic that I've taken up golf although I do find myself telling some of my more judgmental friends that I'm in the dressing room at Eileen Fisher when they text me and I'm really on the golf course.
I suspect that those telltale signs will keep accumulating. At least for now I stay current enough to say "he tweeted," not "he twittered," I can recognize 25 percent of the actors who are featured in People magazine, I know how to copy and paste on the computer and among my friends I am the go-to person to help them with the settings on their cell phones. The dream would be that in 30 more years I'll still be around just like my father-in-law was and, hard as it will be to get up from that chair, I'll be grateful that I'm still standing.

Credit cards: fury as pensioner, 95, runs up debts totalling £80,000

For some people, running up massive debts is dangerously easy – while those who could actually afford the repayments can find themselves inexplicably turned down


The credit card industry is under fire for 'irresponsibly' allowing a pensioner to run up an unpayable debt. Photograph: Nicholas Rigg/Getty Images

By Miles Brignall
Guardian Money reader Don Burden has blasted the “irresponsible” credit card industry after it allowed his 95-year-old father to run up unpayable debts of more than £80,000 across 10 separate cards – in spite of having a monthly pension of just £1,200.


Burden discovered the debts when he started going through his father’s affairs after the second world war veteran died last year. Almost 12 months later, he still can’t believe how the credit card industry collectively allowed it to happen.
Having been made an executor of his father’s will, Burden had to sort all the paperwork, and it quickly emerged that the pensioner – who was also called Don and also shared his son’s birthday – had managed to take out lots of credit cards, despite only ever making the minimum payments on his previous cards.
He also had an outstanding mortgage debt of more than £10,000 when he died – but this proved no barrier to the card providers who, his son says, were happy to approve multiple applications over the past 20 years, despite it being obvious to anyone who looked into his father’s affairs that his modest pension afforded him no prospect of ever repaying the debts.


All efforts to get the providers to explain how this happened have led nowhere, Burden says. Instead, they simply send ever-more threatening letters demanding that the bills be paid.
The typical interest charged is likely to have been as high as around 30% over the period concerned. At that rate, even small amounts on cards will swell to significant debts if left unpaid.
“My father was a stubborn man who fought in the RAF in the second world war and kept his business very much to himself,” Burden says. “I had no idea this was going on, and the more I look at it I can only conclude that he had got himself into a spiral of debt – taking out another card to pay off the previous card’s debts.
“His house was filled with letters from providers and their aggressive debt collectors, as well as credit card cheques that he must have used to pay off the debts. As far as I can tell he only ever made the minimum repayments, which meant he was accruing interest each month. And yet all the card providers appear to have been happy to approve him for another card.”

Don Burden
Pinterest
 Don Burden whose late father left £86,000 credit card debts which the banks are trying to collect. Photograph: Graham Turner/Guardian

Burden, who lives in Dunstable, Bedfordshire, says that when he asked the providers if they would now lend this amount of money to a 75-year-old in similar circumstances, they all declined to comment. He says he was told that their lending criteria had changed.
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Burden senior followed his time in the RAF with a long career in the steel industry in Sheffield. He had been retired since he was 65 and had moved to Cornwall.
“It wasn’t as though he was living it up every night. His idea of a good night out was to go down to the British Legion club and play a game or two of snooker while he drank a soda water,” Burden says.
“He can’t have had any disposable income as it would have all been swallowed up by the card payments. I find it incredible that the card companies do not want to take any responsibility after offering these facilities to someone so old and incapable of ever repaying the balances offered. The card firms are wanting these debts repaid from his estate and are threatening legal action.”
Burden says the card with the highest outstanding debt – more than £10,000 – is a Barclaycard, and that the Co-operative Bank’s debt collectors were among the most forceful.
A spokeswoman for debt advice charity StepChange says that throughout the late 1990s and 2000s, large multiple credit card debts were a notable feature of serious debt problems, and despite card data being shared between lenders, it was not always being used to ensure responsible lending. More recently the picture has improved, “[but] it is still far from perfect, and multiple credit card debt is still a big problem”. The charity says that last year, 64% of the people it advised with credit card debt had two or more cards, and those who had five or more had an average debt level of £24,600.
A spokesman for the Co-op Bank told Money that it wrote off the debt in 2012 and, as a result, “the bank won’t be chasing for any payment”.
Barclaycard says it carried out full credit checks before opening Burden’s two accounts in 1991 and 1995, adding that they were kept in good order until 2005, when repayments suddenly stopped. “As soon as this happened, we made numerous attempts to contact him to understand his circumstances, stopping his cards while we did so – but unfortunately we were unable to gain a response.
“After successive non-payments, we closed one of his accounts and froze the other. The debt on the closed account was passed to a third party. For the frozen account a repayment plan was agreed through a third party on Mr Burden’s behalf, to help him pay down the outstanding balance, which remained in place until May 2014.”
Barclaycard adds: “We take our lending obligations extremely seriously and believe we acted in a responsible way at all times. The case is now with the Financial Ombudsman Service, and we await their final decision.” In November, city watchdog the Financial Conduct Authority said it would investigate whether credit cards are being marketed too aggressively, amid concerns that plastic payment is allowing consumers to run up debts they cannot afford. At £150bn a year, the UK credit card market is the largest in Europe. The ongoing study will examine whether cards are marketed “in a way that works against the best interests of consumers”.