Living Well 60+ September-October 2014
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A RESOURCE GUIDE FOR YOUR GENERATION<br />
<strong>Living</strong><br />
W ell<br />
SEPT / OCT <strong>2014</strong><br />
VOL. 10 ISSUE 4<br />
50 Plus<br />
ENTERTAINMENT • HEALTH • BARGAINS • LIFESTYLE<br />
snapshot<br />
of caregiving today<br />
WHO ARE THE CAREGIVERS?<br />
WHO ARE THE CARE RECEIVERS?<br />
ALSO INSIDE<br />
Time to file for<br />
Bankruptcy?<br />
Person of Interest:<br />
Teresa Isaac<br />
Gardening:<br />
Separate Bulbs
2 SEPT/OCT 2 0 1 4<br />
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SEPT/OCT 2 0 1 4<br />
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4 SEPT/OCT 2 0 1 4<br />
Contents<br />
Sept/Oct <strong>2014</strong><br />
All Aboard!<br />
Transportation Garden at the Arboretum<br />
Relief for Chronic Migraines May Come in the Form of Injections<br />
Is it Time to File Bankruptcy?<br />
PERSON OF INTEREST: Teresa Isaac Has ‘Lots of Energy’<br />
Unearthing the Histories of Kentucky’s Black Families<br />
Fall Prevention Awareness Day<br />
TRAVEL: Summer Getaway to Wisconsin’s Door County<br />
GARDENING<br />
Conquering Separation Anxiety in the Fall Garden<br />
CALENDAR<br />
CMS Issues Revised Guidance on Medicare<br />
Part D for Hospice Patients<br />
SENIOR SERVICES DIRECTORY<br />
The Pros and Cons of Downsizing<br />
Headaches Can Change As You Age<br />
LATE-LIFE SUCCESS: Grandma Moses<br />
Local Agency Helps Refugees Pursue the ‘American Dream’<br />
Kentucky Senior Games Promote Health and Fitness for Persons<br />
50+<br />
FOOD DUDE: Old-Fashioned Casseroles<br />
SENIOR CARE:<br />
When <strong>Living</strong> Alone is No Longer an Option<br />
50 YEARS AGO<br />
Warren Commission report delivered to president;<br />
King awarded Nobel Peace Prize<br />
A Prosthetics Primer<br />
Read <strong>Living</strong><strong>Well</strong>50+ Digital:<br />
How to Choose a Mortgage<br />
FROM THE<br />
COVER<br />
PAGE 13<br />
<strong>Living</strong> <strong>Well</strong> 50+ is<br />
a proud product of<br />
A RESOURCE GUIDE FOR YOUR GENERATION<br />
<strong>Living</strong><br />
W ell<br />
SEPT / OCT <strong>2014</strong><br />
VOL. 10 ISSUE 4<br />
50 Plus<br />
ENTERTAINMENT • HEALTH • BARGAINS • LIFESTYLE<br />
snapshot<br />
of caregiving today<br />
WHO ARE THE CAREGIVERS?<br />
WHO ARE THE CARE RECEIVERS?<br />
WRITERS<br />
STAFF WRITERS:<br />
Donald Hoffman<br />
Angela S. Hoover<br />
Frank Kourt<br />
Jamie Lober<br />
Abby Malik<br />
Lisa M. Petsche<br />
Jan Ross<br />
Charles Sebastian<br />
Doris Settles<br />
Martha Evans Sparks<br />
GUEST WRITERS:<br />
Sarah Wilder, Lexington Clinic<br />
Kentucky Association of Hospice & Palliative Care<br />
STAFF<br />
Tanya Tyler<br />
editor/staff writer<br />
John Brokamp<br />
publisher<br />
Janet Roy<br />
director of creative services<br />
Kim Blackburn<br />
sales representative<br />
John Hoffeld<br />
sales representative<br />
Dea Baker<br />
sales representative<br />
FROM THE<br />
EDITOR<br />
Dear Friends,<br />
A friend of mine posted a<br />
question on Facebook: What’s<br />
your favorite thing about being<br />
a half century? (Or, as we like<br />
to say it, <strong>Living</strong> <strong>Well</strong> 50 Plus.)<br />
The replies were interesting:<br />
• No longer being asked when I’m going to have<br />
children.<br />
• Not really caring what people think.<br />
• I’m guilty of a lack of insecurity. Through my<br />
Tanya Tyler • tanya@samplerpublications.com<br />
illness and hospital stays, I let a lot of stuff fall by<br />
the wayside.<br />
• I’m loving my salt and pepper hair.<br />
• I made it this far.<br />
• When a young punk gets out of line I can tell<br />
him, “I’m old enough to be your father – show<br />
me some respect!”<br />
• Embracing spirituality and feeling okay about<br />
saying no.<br />
• And someone else wrote: Being 50 beats the<br />
alternative.<br />
My reply? I don’t have to explain anything I do –<br />
or don’t do – to anyone. I do what I want to do and I<br />
really don’t need or seek anybody’s approval.<br />
I’d be interested in hearing how you answer this<br />
question. Email me! There’s still lots for us to do as<br />
we’re <strong>Living</strong> <strong>Well</strong> 50 Plus. Go to it!<br />
Live life like you mean it!<br />
Tanya<br />
P.S. Deep apologies for the glaring grammatical error in last<br />
month’s article about Sam Dick. He is AN award-winning<br />
broadcast journalist and a pretty nice guy to boot.
SEPT/OCT 2 0 1 4<br />
All Aboard!<br />
Transportation Garden at<br />
the Arboretum features<br />
mini railroad for children<br />
by Dr. Tom Miller,<br />
Staff Writer<br />
Parents and<br />
grandparents often<br />
search for new or<br />
unique places to take their children<br />
and grandchildren. Among the<br />
treasures in Lexington is the<br />
Transportation Garden at the Arboretum,<br />
the official state botanical<br />
garden of Kentucky.<br />
This unique garden was developed<br />
by Paul Busse of Applied<br />
Imagination of Alexandria, Ky.<br />
Applied Imagination has created<br />
charming gardens around the United<br />
States that have trains traveling<br />
through magical natural environments,<br />
including recent displays at<br />
Cincinnati’s Krohn Conservatory<br />
and at the U.S. Botanical Garden in<br />
Washington, D.C.<br />
The Transportation Garden<br />
features a whimsical miniature railroad<br />
where children can learn how<br />
plants and plant products travel<br />
both naturally by air and water and<br />
by varieties of mechanical transportation.<br />
The railroad has a diesel<br />
freight train and Thomas the Tank<br />
Engine, to the delight of many<br />
youngsters. The trains run on two<br />
levels. One is at the ground level<br />
and offers easy viewing for the very<br />
young. The other rides high atop a<br />
beautiful naturally scenic railroad<br />
that traverses both mountain tops<br />
and trestles.<br />
The Kentucky Children’s Garden<br />
is a safe, 1.85-acre outdoor learning<br />
center designed to help children<br />
ages 2 to 10 years discover plants<br />
and their environment. There<br />
is an integrated combination of<br />
various child-scaled theme gardens<br />
and garden-like elements for<br />
experiential play. There are also<br />
gardens planted and maintained by<br />
children; a small amphitheater for<br />
presentations; interactive educational<br />
exhibits; and interconnecting<br />
paths. Children (and parents<br />
and grandparents as well) should<br />
wear clothes that can get wet and<br />
dirty when they visit the Kentucky<br />
Children’s Garden. Admission is<br />
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$3 (under 2 free). A ticket for $10 a<br />
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for a season household membership<br />
(good for five people on one<br />
pass) are also available.<br />
The Arboretum began in 1991 as<br />
a joint effort between the University<br />
of Kentucky and the Lexington-<br />
Fayette Urban County Government.<br />
It has 100 acres of plants.<br />
The mission of the Arboretum is<br />
to showcase Kentucky landscapes<br />
and serve as a resource center for<br />
environmental and horticultural<br />
education, research and conservation.<br />
There are year-round activities<br />
for the entire family. It was named<br />
the state botanical garden in March<br />
2011. For more information, visit<br />
the Arboretum’s Web site at www.<br />
ca.uky.edu/Arboretum.<br />
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OCTOBER <strong>2014</strong> - 1/2 PAGE COLOR<br />
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FREE ADMISSION - Mark Your Calendars - Plan to attend<br />
There will be Door Prizes, Drawings/Giveaways, Health Screenings ... Blood Pressure, Hearing, Vision and more ...<br />
Light refreshments and entertainment by Senior Dance Teams are all part of this fun and exciting event.<br />
•Abbvie Hepatitis C Community Educator<br />
•Alliance Medical & Home Care<br />
•Bluegrass Hearing Clinic will be<br />
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•Bridgepointe at Ashgrove Woods<br />
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Baby Boomer/Senior Expo<br />
Meet face to face with these and other seniors service providers:<br />
•Central Kentucky Research Associates<br />
•C.O.R.E. Health Centers<br />
•ExactCare Pharmacy<br />
•Hartland Hills Independent Retirement<br />
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•Kerr Brothers Funeral Home<br />
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•Lifeline Homecare<br />
•Mayfair Village<br />
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•Morning Pointe<br />
•Providence Homestead<br />
•Providence Pine Meadows<br />
•Richmond Place<br />
•Sayre Christian Village<br />
•Signature HealthCARE<br />
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or call Jen Kammerer at: 513-709-3332 or email: jen@expo4seniors.com
8 SEPT/OCT 2 0 1 4<br />
Relief for Chronic<br />
Migraines May Come in<br />
the Form of Injections<br />
by Sarah Wilder, Lexington Clinic<br />
Public Relations Specialist<br />
For those who suffer from<br />
chronic migraines, the pain is not<br />
only stressful and inconvenient,<br />
it can be debilitating. The good<br />
news is, there is a treatment option<br />
that can reduce the number<br />
of and intensity of migraines<br />
suffered.<br />
Botox brand botulinum toxin<br />
was approved as a treatment<br />
for chronic migraines in 2010.<br />
A trial released earlier that year<br />
demonstrated the positive effect<br />
of botulinum toxin within a large<br />
population of chronic migraine<br />
sufferers. After six months, or<br />
two cycles of treatments, patients<br />
experienced eight fewer migraines<br />
per month, on average.<br />
After one year, the study showed<br />
even greater success with the<br />
treatment; 70 percent of patients<br />
regularly treated experienced at<br />
least 50% reduction in migraines.<br />
Since the publication of the<br />
trial, the use of botulinum toxin<br />
for migraine has become a popular<br />
topic among physicians who<br />
treat chronic migraines. Although<br />
the specific reasons for why these<br />
injections reduce the occurrences<br />
and intensity of chronic<br />
migraines is not currently known,<br />
Eliza E. Robertson, M.D., Ph.D.,<br />
a Lexington Clinic neurologist,<br />
provided some insight into the<br />
matter.<br />
“We know that the toxin<br />
decreases the contraction of the<br />
muscles in which we inject,” Dr.<br />
Robertson said. “However, we<br />
think there may be an additional<br />
effect targeting pain-mediating<br />
neurotransmitters that are associated<br />
with migraines.”<br />
This treatment is currently only<br />
recommended for patients who<br />
suffer from chronic migraines, defined<br />
with specific criteria, which<br />
includes at least 15 headache<br />
days per month. According to Dr.<br />
Robertson, the data from clinical<br />
trials only applies to this population,<br />
and not to those who suffer<br />
from occasional migraines. She<br />
did add, however, that studies<br />
have been promising for chronic<br />
daily headaches.<br />
For patients with chronic<br />
migraines who would like to<br />
explore the option of botulinum<br />
toxin injections as treatment, Dr.<br />
Robertson advises that they first<br />
consult with a physician who currently<br />
performs this procedure to<br />
verify their diagnosis of chronic<br />
migraine and that their insurance<br />
will cover the injections.<br />
“Interested patients will not<br />
only need to discuss with their<br />
doctor if these injections are right<br />
for them, they should also verify<br />
with their physician that they<br />
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be modified, if necessary, to each<br />
patient’s needs with subsequent<br />
injections based on tolerability<br />
and symptoms,” she added.<br />
“While Botox, just one of the<br />
three types of botulinum toxin,<br />
funded the trials and obtained<br />
FDA approval for the treatment<br />
of chronic migraines, there are<br />
three forms of botulinum toxin<br />
type A: Botox, Dysport and Xeomin.<br />
Within my clinical experience,<br />
all three brands of the toxin<br />
work equally well in the treatment<br />
of chronic migraine.”<br />
Regardless of which form of<br />
botulinum toxin is used, Dr.<br />
Robertson recommends the<br />
injections as a treatment option<br />
to chronic migraine patients<br />
because the positive effects of the<br />
treatment greatly outweigh the<br />
costs.<br />
“The potential benefits of<br />
this type of treatment include a<br />
reduced number of migraines,<br />
increased hours of productivity,<br />
huge savings in cost, ER visits,<br />
Eliza E. Robertson, M.D., Ph.D.,<br />
Lexington Clinic neurologist<br />
and the avoidance of side effects<br />
from previously or too frequently<br />
used migraine medications. Given<br />
the potential overall improvement<br />
in well-being and quality of<br />
life, botulinum toxin for chronic<br />
migraine is often the best option<br />
available,” Dr. Roberston said.<br />
“Besides, the procedure goes<br />
relatively fast and, for most, is<br />
well tolerated.”<br />
Please call 859.258.4DOC<br />
(4362) or visit LexingtonClinic.<br />
com
y Doris Settles, Staff Writer<br />
A fixed income with escalating<br />
medical, utility, housing, food and<br />
drug bills is a very real problem<br />
for the over-50 population, causing<br />
more and more seniors to face<br />
some harsh realities about their<br />
ability to continue to pay their<br />
bills. Filing bankruptcy becomes<br />
a possibility. Each situation is<br />
highly individual, and no decision<br />
or action should be taken without<br />
checking first with your CPA and<br />
then with a lawyer specializing in<br />
bankruptcy law.<br />
Simply put, bankruptcy is when<br />
you owe more than you can possibly<br />
afford to pay. Seniors may<br />
be in a position to benefit from<br />
certain protections.<br />
“Federal law protects certain<br />
benefits from garnishment by<br />
creditors, including veterans’<br />
payments, Social Security, disability<br />
payments, most retirement<br />
assets and more,” said Scott Dick,<br />
a Lexington CPA. “Also, a senior<br />
who has little or no income beyond<br />
protected benefits could be<br />
deemed ‘judgment proof,’ meaning<br />
that creditors could not collect<br />
even if they made the effort.”<br />
The first step in determining a<br />
course of action is to find out how<br />
much you have and how much<br />
you owe. To determine where you<br />
SEPT/OCT 2 0 1 4<br />
Is It Time to File Bankruptcy?<br />
And<br />
The Lafayette<br />
opened<br />
its doors.<br />
are financially, inventory all your<br />
liquid assets. Include retirement<br />
funds, stocks, bonds, real estate,<br />
vehicles, college savings accounts<br />
and other non-bank account<br />
funds. Decide on a rough estimate<br />
for each item, then sum up your<br />
total assets.<br />
Next, collect and add up your<br />
bills and credit statements. If the<br />
total value of your assets is less<br />
than the total amount of debt you<br />
owe, declaring bankruptcy may be<br />
one way out of a sticky financial<br />
situation. However, bankruptcy<br />
shouldn’t be approached casually.<br />
And it’s not a simple, easy cure-all<br />
for out-of-control spending.<br />
“Going bankrupt” can happen<br />
And And<br />
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one of two ways. Either you may<br />
voluntarily claim bankruptcy<br />
under Chapter 7 or Chapter 13,<br />
or creditors can petition the court<br />
to declare a person bankrupt. A<br />
Chapter 7 bankruptcy liquidates<br />
your assets to pay off as much of<br />
your debt as possible. The cash<br />
from your assets is distributed to<br />
creditors such as banks and credit<br />
card companies. For many, this<br />
option offers a quick, fresh start.<br />
But if a debtor owns a company,<br />
a family home or any other personal<br />
assets that he or she wants<br />
to keep, Chapter 7 may not be the<br />
best option.<br />
A Chapter 13 bankruptcy is<br />
THE predictable YEAR annual THE WAS income, YEAR 1985…<br />
Chap-<br />
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ter 13 offers a grace period. Any<br />
debts remaining at the end of the<br />
grace period are discharged.<br />
Be aware, however, that filing<br />
bankruptcy has a dark side.<br />
Except in rare instances, it doesn’t<br />
discharge debts from mortgages,<br />
student loans, taxes, alimony<br />
or child support. You can file<br />
for bankruptcy for about $300<br />
without a lawyer, but the laws are<br />
complicated.<br />
“In considering bankruptcy,<br />
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1 0 SEPT/OCT 2 0 1 4<br />
Person of Interest<br />
Teresa Isaac Has<br />
‘Lots of Energy’<br />
Serving on boards, teaching, mulling<br />
another run for office keeps former<br />
mayor busy<br />
by Martha Evans<br />
Sparks,<br />
Staff Writer<br />
Teresa Ann<br />
Isaac was mayor of<br />
Lexington from 2002-2006. The<br />
second woman to serve in that<br />
office – the first was Pam Miller –<br />
she has not rested on her laurels<br />
since her tenure ended.<br />
In 2013, she was in the Middle<br />
East’s West Bank, where she completed<br />
her most recent sessions of<br />
training mayors from around the<br />
world for the U.S. Department of<br />
State. In the years between 2007<br />
and the present, she has taught<br />
mayors of cities in Namibia,<br />
Pakistan and Uganda. She meets<br />
with anywhere from 50 to 300<br />
mayors, teaching them about<br />
social justice, economic development,<br />
infrastructure, establishing<br />
trust with their constituents and<br />
youth empowerment. She tries<br />
to help them find ways to use the<br />
resources they have at their local<br />
level. Each country usually has an<br />
agenda about two weeks long. In<br />
2004 and 2005, the State Department<br />
sent her to train mayors in<br />
Argentina and Chile as part of a<br />
democracy project.<br />
Isaac is a native of Harlan<br />
County. Her father, Sam Isaac, was<br />
mayor of Cumberland, Ky. After<br />
he finished his stint as mayor,<br />
the family moved to Lexington.<br />
Isaac graduated from Transylvania<br />
University in 1976 and from the<br />
University of Kentucky College<br />
of Law in 1979. In a remarkable<br />
display of self-confidence, she<br />
opened a solo law practice in Lexington<br />
right out of law school.<br />
“It worked out great,” she said.<br />
“I loved it.”<br />
In 1988, she was elected to the<br />
Lexington-Fayette Urban County<br />
Government as an at-large member.<br />
In 1992, she was reelected to<br />
the Urban County Council and<br />
became vice mayor, serving in<br />
that capacity from 1993-1999,<br />
still the record for longest-serving<br />
vice mayor. She practiced law for<br />
20 years until 1999, when she<br />
became executive director of the<br />
Lexington Fair Housing Council.<br />
Following her time as mayor,<br />
she returned to the Fair Housing<br />
Council and was promoted to<br />
board chair of the organization<br />
in 2007, a position she still holds.<br />
She lost her bid for a second term<br />
as mayor to Lexington attorney<br />
Jim Newberry in 2006.<br />
Undaunted, Isaac was employed<br />
in May 2007 as a campaign staffer<br />
for Kentucky businessman Bruce<br />
Lunsford, who was bidding for the<br />
Democratic nomination as Kentucky<br />
governor. While she was involved<br />
in that effort, Isaac taught a<br />
course at Transylvania called “The<br />
Governor’s Race: See How They<br />
Run.” Through the years, her alma<br />
mater has honored her twice, with<br />
an Outstanding Alumni award<br />
and Transylvania’s Service Award.<br />
She has served on the university’s<br />
alumni board.<br />
“I’ve been on a million boards,”<br />
she said. She currently chairs<br />
the Volunteers of America board<br />
in Lexington; she is also on the<br />
board of Emerge Kentucky, which<br />
trains women to run for political<br />
office. She has taught as an adjunct<br />
professor at several Kentucky<br />
colleges.<br />
In the past six months, family<br />
affairs have taken precedence.<br />
Both her children married in one<br />
month. Her daughter, Alicyn<br />
Isaac-Lowry, is a graduate of<br />
Columbia University College of<br />
Law and is with New York City<br />
law firm Davis Polk. Isaac’s son,<br />
Jacob Isaac-Lowry, lives and works<br />
in Hawaii. He earned a degree<br />
in mechanical engineering from<br />
the University of Michigan Ann<br />
Arbor.<br />
“I’m at a crossroads, watching<br />
both of my kids marry. I feel it is<br />
a real accomplishment. I am very<br />
proud of both of my kids,” said<br />
Isaac.<br />
Would she consider running<br />
for political office again? “I always<br />
have in the back of my mind running<br />
for office again. That is a real<br />
possibility,” she said. “I always<br />
want to encourage more young<br />
women to run for office.”<br />
Can she do all of this? “Oh, yes,”<br />
she said. “I have lots of energy.”<br />
“I always want to encourage more<br />
young women to run for office.”<br />
—Teresa Isaac
Unearthing the Histories<br />
of Kentucky’s Black<br />
Families<br />
SEPT/OCT 2 0 1 4<br />
Persistence is critical when traditional<br />
resources are lacking<br />
by Doris Settles, Staff Writer<br />
Frequently, African Americans<br />
encounter a frustrating dearth of<br />
information when researching<br />
their family histories. The African<br />
American Genealogy Group<br />
of Kentucky (AAGGKY) was<br />
formed out of that frustration.<br />
Unique methodology, persistence<br />
and sharing of information<br />
is critical in the face of the lack of<br />
traditional resources. AAGGKY<br />
members say they’ve found information<br />
on family members filed<br />
under A for African, B for black,<br />
C for colored or N for Negro,<br />
as well as in the backs of books,<br />
totally unindexed and more often<br />
nonexistent. But if you happen<br />
to find that missing piece of your<br />
family puzzle, which fits in so<br />
many others’ puzzles as well, how<br />
might you be able to share that<br />
resource?<br />
Enter 11 researchers who<br />
gathered in January 2011 to form<br />
AAGGKY.<br />
The group meets every month<br />
on the third Saturday at easily accessible<br />
places throughout Central<br />
Kentucky. Rotating meeting<br />
locations allows for a higher level<br />
of participation and availability<br />
of those resources that do exist.<br />
Meetings are free and open to anyone.<br />
They feature speakers, roundtables<br />
or panel discussions and<br />
hands-on workshops. AAGGKY<br />
members share research successes<br />
and disappointments and<br />
offer tips and techniques unique<br />
to conducting black genealogical<br />
research in Kentucky.<br />
“We have never had a meeting<br />
where somebody didn’t make a<br />
connection with someone else,”<br />
said group president Sharyn<br />
Mitchell. “Several times a year<br />
we have one-on-one workshops<br />
where we work together to break<br />
through those brick walls and find<br />
those connections.”<br />
With a mailing list of more than<br />
500 people, both African American<br />
and Caucasian, a membership<br />
nearing 100 and between 25-75<br />
people attending each meeting,<br />
AAGGKY encourages both blacks<br />
and whites to work together to<br />
ferret out their histories.<br />
“We encourage descendants of<br />
slave owners to share their deeds,<br />
ledgers and Bibles that document<br />
the stories of slaves so intermingled<br />
stories may be found,”<br />
Mitchell said. “With every passing<br />
1 1<br />
minute, we are losing our histories<br />
to death, memory loss and record<br />
destruction.” The AAGGKY attempts<br />
to minimize this loss.<br />
Anyone interested in researching,<br />
preserving and sharing the<br />
stories of Kentucky’s African<br />
American generations is invited<br />
to join AAGGKY. “We are accountants<br />
and plumbers, janitors<br />
and teachers, preachers and<br />
presidents, housewives and truck<br />
drivers,” Mitchell said.<br />
For more information, visit the<br />
organization’s Web site at www.<br />
aaggky.org.<br />
With every<br />
passing minute,<br />
we are losing<br />
our histories to<br />
death, memory<br />
loss and record<br />
destruction.”<br />
—Sharyn Mitchell,<br />
President, African<br />
American Genealogy<br />
Group of Kentucky<br />
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1 2 SEPT/OCT 2 0 1 4<br />
Fall Prevention<br />
Awareness Day<br />
Tips help reduce falls<br />
among older adults<br />
by Martha Evans<br />
Sparks, Staff Writer<br />
Fall Prevention<br />
Awareness Day is<br />
Sept. 23 – the first<br />
day of autumn. Since 2008, this day<br />
has been set aside to promote and<br />
increase public awareness about<br />
how to prevent and reduce falls<br />
among older adults. Six years ago,<br />
11 states observed FPAD. By 2013,<br />
the number had grown to 47.<br />
Falls are not just an older person’s<br />
problem. But falling is more likely<br />
to result in disastrous consequences<br />
for those 65 and above. Most falls<br />
happen in the home and are a leading<br />
cause of death from unintentional<br />
injuries in older adults. Every<br />
15 seconds an older adult is seen<br />
in an emergency department for a<br />
fall-related injury.<br />
In Kentucky, how FPAD is<br />
observed depends on what the<br />
local people want to do, said Hannah<br />
Keeler, Kentucky Safe Aging<br />
Coalition coordinator. Funding for<br />
the events is through local and state<br />
health departments, Keeler said.<br />
“We don’t charge for the events. All<br />
are free,” she said. “The state health<br />
department<br />
PILATES<br />
has funds for this, plus<br />
the individual health departments<br />
PLACE<br />
PILATES<br />
PLACE<br />
have some funds.”<br />
Activities marking the day will<br />
range from distributing literature<br />
about fall prevention to hosting<br />
full-blown events with speakers and<br />
even one-on-one interviews, where<br />
an individual can talk with a knowledgeable<br />
person who can give<br />
advice on how various medications<br />
may affect balance and increase<br />
the risk of falling. Vision screening,<br />
balance tests and education on<br />
home safety are among other topics<br />
addressed on FPAD.<br />
“Every year we [have] a governor’s<br />
proclamation on that day saying<br />
this is Kentucky Fall Prevention<br />
Awareness Day,” said Keeler. FPAD<br />
events are scheduled to take place in<br />
Pilates is designed<br />
to strengthen the<br />
body’s core muscles<br />
through low-impact<br />
fitness techniques.<br />
Franklin County, including Frankfort,<br />
the state capital. Other events<br />
are already planned for the Barren<br />
River District Health Department<br />
in Warren County (Bowling Green)<br />
and the seven counties comprising<br />
the Green River District Health<br />
Department (Hancock, Daviess,<br />
Henderson, Ohio, McLean,<br />
Webster and Union). Bullitt and<br />
Oldham counties also plan to mark<br />
the day. Others will no doubt join<br />
as the date approaches.<br />
The 14 member organizations of<br />
the Kentucky Safe Aging Coalition<br />
partner to promote FPAD. Coalition<br />
members include the Kentucky<br />
Injury Prevention and Research<br />
Center, the Kentucky Department<br />
of Public Health, the University of<br />
Kentucky College of Public Health<br />
and UK’s Cooperative Extension<br />
Service. The National Council on<br />
Aging advocates for FPAD.<br />
To learn more about FPAD or<br />
this year’s schedule, Keeler suggests<br />
calling the coalition’s office in<br />
Lexington at (859) 323-4747 for<br />
up-to-the-minute information. You<br />
can also visit www.nofalls.org.<br />
10 Tips for<br />
Preventing<br />
Falls<br />
1. Find a good balance<br />
and exercise program.<br />
Build balance,<br />
strength and flexibility.<br />
2. Regularly review<br />
your medications<br />
with your doctor or<br />
pharmacist. Do any of<br />
them have side effects<br />
that are increasing<br />
your risk of falling?<br />
3. Have vision and<br />
hearing checked regularly.<br />
Your eyes and<br />
ears can help keep<br />
you on your feet.<br />
4. Get rid of clutter<br />
you can fall over in<br />
your home, including<br />
small rugs.<br />
5. If you keep small<br />
area rugs, put grippers<br />
on the underside so<br />
they will not slide.<br />
6. Be sure all stairways<br />
have hand rails.<br />
7. Install grab bars in<br />
bathtubs and showers.<br />
8. Don’t be too proud<br />
to use a cane or even<br />
a walker if such assistive<br />
devices help you<br />
maintain balance.<br />
9. Keep a night light<br />
on so you can see<br />
where you are going if<br />
you must get up during<br />
the night.<br />
10. Be sure your entire<br />
home is well lit.<br />
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SEPT/OCT 2 0 1 4<br />
A Snapshot of<br />
Caregiving Today<br />
Who are the caregivers?<br />
Who are the care receivers?<br />
1 3<br />
by Lisa M. Petsche, Staff Writer<br />
In approximately 30 percent of<br />
American households, unpaid care<br />
is regularly provided to someone<br />
who is chronically ill, disabled or<br />
aged and whose ability to carry out<br />
activities of everyday life is compromised.<br />
It’s not necessary to live under the<br />
same roof as the person one is helping<br />
or to provide assistance with<br />
personal or medical care in order to<br />
be considered a caregiver.<br />
Here is some information about<br />
the nature of caregiving today.<br />
• Who are the caregivers?<br />
The typical caregiver is an adult<br />
child providing help to a parent or<br />
parent-in-law. But a caregiver may<br />
also be a friend or neighbor, grandchild,<br />
sibling or other extended<br />
family member, spouse or parent.<br />
The majority of caregivers are<br />
female and married. A significant<br />
proportion are young seniors caring<br />
for older seniors, and they may have<br />
health issues of their own. Most often,<br />
though, caregivers are in the 45-<br />
65 age group. Those at the younger<br />
end are likely to have children still at<br />
home and consequently have been<br />
labeled “the sandwich generation.”<br />
Close to two-thirds of family caregivers<br />
are employed. They juggle<br />
caregiving with paid work and other<br />
responsibilities such as maintaining<br />
their own households and attending<br />
to other family members. It’s no<br />
surprise self-care is a low priority for<br />
caregivers, given the demands on<br />
their time.<br />
Who are the care<br />
receivers?<br />
The typical care recipient is<br />
female, over 70, widowed and living<br />
alone. The older the care receiver,<br />
the more likely she is to require personal<br />
care; 50 percent of those over<br />
age 85 years fall into this category.<br />
The 85-plus age group is, of course,<br />
a rapidly growing demographic.<br />
The most common types of<br />
health conditions associated with<br />
care needs are age-related – for<br />
example, osteoporosis, arthritis and<br />
vision loss. Other common medical<br />
diagnoses of care receivers are<br />
cancer, heart disease, neurological<br />
disease (such as Parkinson’s disease),<br />
dementia and mental illness<br />
(such as depression).<br />
What do caregivers<br />
do?<br />
Caregiving tasks fall into two<br />
categories: basic activities of daily<br />
living (known as ADLs) and instrumental<br />
activities of daily living<br />
(IADLs). ADLs are daily self-care<br />
tasks such as feeding, toileting,<br />
dressing, grooming, bathing and<br />
mobilizing. Fewer than 25 percent<br />
of caregiving situations involve helping<br />
with these needs.<br />
Typically, care receivers need help<br />
with IADLs before they require help<br />
with ADLs. IADLs are the more<br />
complex skills involved in living<br />
independently – skills normally<br />
learned during adolescence and<br />
early adulthood. They include using<br />
the telephone, way finding, managing<br />
transportation (whether it’s<br />
driving or using public transportation),<br />
handling finances, shopping,<br />
preparing meals, managing medications<br />
and performing housework<br />
and basic indoor and outdoor home<br />
maintenance.<br />
To help ensure informal caregiving<br />
is sustainable and remains a<br />
rewarding experience over time,<br />
it’s important for care providers to<br />
use available help. This includes<br />
obtaining assistance from family<br />
members and friends as well as<br />
taking advantage of community<br />
services that can help maximize the<br />
care receiver’s functioning and assist<br />
the caregiver with necessary tasks.<br />
Doing so improves the quality of life<br />
of not only the caregiver but also the<br />
care receiver.<br />
Note: Statistics were obtained<br />
from the National Alliance for<br />
Caregiving, the Family Caregiver<br />
Alliance and the Caregiver Action<br />
Network.<br />
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1 4 SEPT/OCT 2 0 1 4<br />
TRAVEL<br />
Summer Getaway<br />
to Wisconsin’s Door<br />
County<br />
“Cape Cod of the Midwest” is popular<br />
tourist destination<br />
by Jan Ross,<br />
Staff Writer<br />
The last time we<br />
were in Wisconsin’s<br />
Door County, the<br />
powdery snow was up to our knees<br />
and we learned to snowshoe. This<br />
trip was a little different.<br />
Since Door County is often<br />
advertised as “the Cape Cod of the<br />
Midwest” because of its lovely 300<br />
miles of coastline, it seemed like the<br />
perfect summertime escape. It was,<br />
in many ways, an idyllic trip. The<br />
fact that some days were cloudy,<br />
cool and foggy and the mosquitos<br />
had a field day feasting on my legs<br />
(bring bug spray!) did not detract<br />
from our enjoyment.<br />
Because Door County has<br />
become a very popular tourist<br />
destination, you will have your<br />
choice of lodgings, but I highly<br />
recommend the Little Sister Resort.<br />
With a variety of cottages, chalets<br />
and rental homes, its location<br />
right on the shores of Little Sister<br />
Bay, a hot breakfast included for<br />
every member of your family and<br />
a restaurant, it’s a great choice. Our<br />
two-bedroom chalet was perfect<br />
for two adults and a child and we<br />
enjoyed our full kitchen. The resort<br />
is adjacent to the Bay Ridge Golf<br />
Course for the golfers in your group<br />
and also has a playground, basketball<br />
court, bikes to ride and plenty<br />
of non-motorized watersports such<br />
as paddle boards available at no extra<br />
charge. If you pay a visit to Fred<br />
and Fuzzy’s, the restaurant on the<br />
shore of the bay, be sure to order the<br />
fried cheese curds. A local specialty,<br />
they are delicious.<br />
When you’re ready to try some<br />
local eateries, head to the famous Al<br />
John’s Swedish Restaurant, where<br />
you can check out the goats grazing<br />
on the unique grass roof and sample<br />
some delicious Swedish meatballs.<br />
Or try The Cookery in nearby<br />
Fish Creek. Family<br />
owned and run, this<br />
lovely and friendly<br />
location serves some<br />
fabulous gourmet food. We had the<br />
best meal of our trip here.<br />
For a view of Door County from<br />
the water along with a fascinating<br />
historical tour of the area, book<br />
a cruise with Shoreline Charters.<br />
We took the “Coastline, Cliffs, and<br />
Caves” tour, which leaves right from<br />
the marina in Sister Bay, only about<br />
10 minutes from the Little Sister<br />
Resort.<br />
Several villages comprise the<br />
Peninsula of Door County, and we<br />
checked out a number of them during<br />
our visit. Each has plenty of local<br />
shops and restaurants, and many<br />
have beaches on the beautiful, clear<br />
water of the bays as well. One of our<br />
favorites was Egg Harbor, where<br />
we stumbled on Eggstravaganza, a<br />
celebration of the town’s 50th anniversary.<br />
Scattered throughout the<br />
village<br />
were 50 magnificently decorated<br />
large eggs, each more extravagant<br />
than the last.<br />
We had to pay a visit to White<br />
Fish Dunes State Park to check out<br />
the beach that was covered with a<br />
deep layer of snow during our winter<br />
visit. It certainly looked different<br />
on this visit!<br />
Winter or summer, you should<br />
open up to beautiful Door County.<br />
Door County is often<br />
advertised as “the Cape<br />
Cod of the Midwest”<br />
because of its lovely<br />
300 miles of coastline.
SEPT/OCT 2 0 1 4<br />
1 5<br />
GARDENING<br />
Conquering Separation<br />
Anxiety in the Fall Garden<br />
Keep your summer bulbs at their<br />
bloomin’ best<br />
by Frank Kourt,<br />
Staff Writer<br />
You may not want<br />
to hear about spring<br />
and summer blooming<br />
plants right now.<br />
It is, after all, nearly fall, and aren’t<br />
we done with all that?<br />
<strong>Well</strong>, not really. Not, that is, if<br />
you want your summer bulbs to<br />
be happy and healthy and at their<br />
bloomin’ best.<br />
It may seem like the simplest<br />
thing in the world to plant bulbs,<br />
but over the years, you may well find<br />
your efforts have been too successful.<br />
By that I mean the bulbs tend to<br />
multiply, and when that happens,<br />
they have to be dug up, separated<br />
and re-planted elsewhere if you<br />
expect them to bloom the next year.<br />
A good case in point is the<br />
venerable iris. For several years, we<br />
planted irises in half whiskey barrels,<br />
and they’ve rewarded us with<br />
beautiful, delicate blooms. This year,<br />
though, not so much. The trouble is<br />
the rhizomes have grown too close<br />
together, resulting in no blooms.<br />
This means they have to be dug up,<br />
separated and re-planted before<br />
the cold conditions of <strong>October</strong> and<br />
November hold sway.<br />
In order to do this, it’s best to lift<br />
the crowded irises out of the ground<br />
in a clump, if possible. If that’s not<br />
going to work, you’re going to<br />
Iris bulbs separated and<br />
ready to plant.<br />
have to break the giant clump into<br />
smaller ones.<br />
Next, brush as much dirt away<br />
from the rhizomes as you can and<br />
break the clumps apart into pieces<br />
about 4 inches long. Each rhizome<br />
should have at least one fan of leaves<br />
on it. Those that have no leaves can<br />
be discarded. Make sure you keep<br />
the roots in each rhizome intact.<br />
Once you have your separate rhizomes,<br />
you can trim the leaves back<br />
to about 6 inches.<br />
Now find a sunny spot with<br />
well-drained soil and dig your hole<br />
and plant the rhizome just below<br />
ground level, spreading the roots<br />
and spacing them about a foot and a<br />
half apart. Cover the rhizomes with<br />
loose, rich soil, allowing the leaf fans<br />
to protrude from the ground, and<br />
water them well.<br />
Daffodils may experience similar<br />
problems, while tulips seem less<br />
likely to crowd. If you noticed your<br />
daffodil blooms underperforming<br />
last spring, it may well be that, like<br />
iris rhizomes, the bulbs have multiplied<br />
to the point where blooming is<br />
impeded.<br />
If you know where your daffodils<br />
are buried, you should have no<br />
problem digging them up and separating<br />
the bulbs for re-planting. Unfortunately,<br />
at this time of year, the<br />
foliage may have died back to the<br />
point where you can no longer find<br />
their resting place. Don’t despair;<br />
you’ll just have to wait until spring,<br />
when the foliage comes back, and<br />
mark the spot for easy identification<br />
next fall.<br />
Assuming you do know where<br />
your daffs are buried, just dig them<br />
up and separate the bulbs. Replant<br />
the largest bulbs in well-drained<br />
soil in a sunny spot about 5 inches<br />
below the soil’s surface, making sure<br />
the pointed end is facing up. Space<br />
them about 4 to 5 inches apart.<br />
Here’s an example of iris crowding that needs to be remedied.<br />
Water thoroughly, then cover with<br />
about 3 inches of mulch to protect<br />
the bulbs from the cold and keep<br />
them moist.<br />
In the less likely event you have a<br />
tulip-crowding problem, dig up the<br />
bed and separate the bulbs, leaving<br />
some in the original spot. Plant your<br />
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Retirement <strong>Living</strong><br />
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Lexington, KY 40502<br />
(Across from Lansdowne Shoppes)<br />
tulip bulbs about 8 inches deep,<br />
drop in a generous amount of peat<br />
moss and add some bulb fertilizer.<br />
Cover them up with soil and water<br />
well.<br />
If all goes well, you’ll be greeted<br />
by a whole new set of blooms next<br />
summer!<br />
• INDEPENDENT LIVING AND LICENSED PERSONAL CARE<br />
APARTMENT HOMES<br />
• SUPERIOR SERVICES AND AMENTITIES<br />
• MADE FROM SCRATCH KENTUCKY PROUD DINING<br />
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• BRIMMING SOCIAL CALENDAR<br />
• SAFETY, SECURITY, AND PEACE OF MIND<br />
Come Explore The Next Chapter in Your Life!<br />
(859) 266-2129<br />
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1 6 SEPT/OCT 2 0 1 4<br />
Events<br />
Calendar<br />
SEPT. <strong>2014</strong> OCT. <strong>2014</strong><br />
Sun Mon Tue Wed Thu Fri Sat<br />
1 2 3 4 5 6 1 2 3 4<br />
7 8 9 10 11 12 13 5 6 7 8 9 10 11<br />
14 15 16 17 18 19 20 12 13 14 15 16 17 18<br />
21 22 23 24 25 26 27 19 20 21 22 23 24 25<br />
28 29 30 26 27 28 29 30 31<br />
Ongoing<br />
Yoga Health & Therapy<br />
Center Classes<br />
Our Yoga Classes feature slow<br />
stretch with gentle breathing,<br />
and relaxation techniques.<br />
Class size is small, to provide<br />
careful instruction. Yoga classes<br />
are offered Mon through Thurs<br />
(daytime and evening), and Sat<br />
mornings. Our Meditation Starter<br />
Course teaches simple ways<br />
to focus and quiet the mind;<br />
5-week sessions are offered on<br />
Sundays at 5:30 pm. A nonprofit<br />
organization operating<br />
since 1981, The Yoga Health &<br />
Therapy Center is located at 322<br />
W. 2nd St. Free private parking<br />
is provided for most classes. For<br />
more information on fees and<br />
scheduled dates and times, call<br />
us at 859-254-9529, or email us<br />
at info@yogahealthcenter.org<br />
Sun Mon Tue Wed Thu Fri Sat<br />
Send us your event listings<br />
List your event for FREE if it’s free to the public*.<br />
E-mail your event information to graphics@samplerpublications.com<br />
(*$35 fee for events that are not free to the public)<br />
Reiki Introduction &<br />
Practice<br />
6:30pm- 8:30pm, 4th Tuesday<br />
each month. 1403 E. Breckinridge<br />
Street, Louisville, KY. Free.<br />
Those who do have not Reiki<br />
training—come for an introduction<br />
& to experience it. No experience<br />
required. Those with Reiki come<br />
to practice on others & receive<br />
the Reiki energy. Everyone will<br />
get 15 -20 minute Reiki treatment.<br />
Free reattunement to your last<br />
level of Usui or Karuna Reiki® if<br />
you have your certificate. Contact<br />
JoAnn Utley at 502-777-3865<br />
or jutley5122@bellsouth.net to<br />
register. More info at http://<br />
joannutley.byregion.net<br />
Sit and Get Fit<br />
Mondays and Fridays, 9:30am-<br />
10:30am. FREE! This event is<br />
a seated controlled exercise/<br />
movement class to improve<br />
strength, flexibility, balance<br />
and coordination. It is taught<br />
by Anne Graff, MS, OTR/L,<br />
Occupational Therapist certified<br />
by the American Senior Fitness<br />
Association as a Senior Fitness<br />
Instructor and trained in Body<br />
Recall. Also included are: Fall<br />
Prevention and Recovery, Fun<br />
Movements to Strengthen<br />
Body and Mind, Improve<br />
Posture and Core Conditioning,<br />
<strong>Well</strong>ness Education, Relaxation<br />
Techniques, and Music.<br />
The Charles Young Center is<br />
located at 540 E. Third Street.<br />
Parking is available on Shropshire<br />
Avenue or Lewis Street,<br />
Lexington, KY. Ages 60 and older.<br />
For more information, please<br />
contact Alexis Edge at 859-246-<br />
0281 or aedge@lexingtonky.gov.<br />
<strong>Well</strong>ness Wednesday<br />
On the first Wednesday of the<br />
month, all Good Foods Market<br />
and Café customers will receive<br />
5% off all supplements, body<br />
care, and bulk herb & spice<br />
items. Customers can special<br />
order <strong>Well</strong>ness Wednesday items<br />
ahead of time and pick them up<br />
on <strong>Well</strong>ness Wednesday. When:<br />
Wednesday, July 3, 8 am – 10<br />
pm. held at Good Foods Market<br />
& Café, 455 Southland Drive.<br />
Ric’s Garden, the<br />
public cutting garden<br />
at Ashland Terrace,<br />
475 S. Ashland<br />
Avenue, is open for<br />
business<br />
This year Lexington’s oldest<br />
retirement community offers<br />
alstroemeria, iris, ageratum,<br />
gooseneck loosestrife, goldenrod,<br />
purple coneflowers, Joe Pye<br />
weed, lisianthus, snapdragons,<br />
zinnias, salvia, black-eyed susans<br />
and marigolds. The following<br />
varieties of herbs are available:<br />
oregano, nasturtium, rosemary,<br />
lemon grass,<br />
sweet marjoram,<br />
lemon thyme, basil,<br />
parsley, fennel,<br />
Italian parsley,<br />
sorrel, garlic<br />
chives, mint, winter savory, lemon<br />
verbena, dill, French tarragon<br />
and sage. Large blooms are .50,<br />
small blooms are .25. Herbs<br />
are .25 a small bunch. Roses<br />
and vegetables are reserved for<br />
residents only. The donation box<br />
and scissors are located at the<br />
start of the main garden walkway;<br />
water and containers are available<br />
near the shed. Don’t miss the<br />
smaller cutting garden behind<br />
the shed. All proceeds are used<br />
to maintain the garden and feed<br />
the critters. Call Kelly or Michelle<br />
at 266-2581 for additional<br />
information.<br />
Swing Lessons<br />
Tuesdays, starting <strong>September</strong> 30,<br />
<strong>2014</strong>. From 8pm–10pm at Tates<br />
Creek Recreation Center, 1400<br />
Gainesway Dr. $5 per person per<br />
lesson. Call for more information:<br />
Glenn and Rosalee Kelley 859-<br />
233-9947 or Peter and Robin<br />
Young 859-224-3388.<br />
<strong>September</strong> 19<br />
Family Caregiver<br />
Workshop<br />
This program is specialized for<br />
family caregivers and will offer<br />
information about Alzheimer’s<br />
disease and caregiving, and<br />
will also provide an opportunity<br />
to reflect, regenerate, and gain<br />
a new perspective on your<br />
caregiving issues. Local and<br />
statewide experts who specialize<br />
in aging and Alzheimer’s care will<br />
present topics that are valuable<br />
to family caregivers of persons<br />
with dementia. This training is<br />
designed specifically for family<br />
caregivers and is therefore
SEPT/OCT 2 0 1 4<br />
1 7<br />
Nature lovers, hikers, cliff climbers<br />
RENT THIS CABIN<br />
Near Natural Bridge State Park and<br />
Red River Gorge.<br />
Call or visit website for reservations.<br />
Ken & Sheila Brown<br />
www.VRBO.com/361686<br />
(606) 668-2599<br />
(606) 643-6044<br />
ksbrown@mrtc.com<br />
not open to those who are<br />
professional caregivers. Jointly<br />
sponsored by the Bluegrass<br />
Area Agency on Aging and<br />
Independent <strong>Living</strong>, the UK<br />
Sanders Brown Center on Aging,<br />
Baptist Health - Lexington and<br />
the Alzheimer’s Association.<br />
Workshop registration fee: $10<br />
(includes lunch). Registration is<br />
required; to register, call 1-800-<br />
272-3900 or email infoky-in@alz.<br />
org. From 9:00 a.m. – 4:00p.m.<br />
at Bluegrass Area Development<br />
District, 1st Floor conference<br />
room, 699 Perimeter Drive,<br />
Lexington, KY.<br />
<strong>September</strong> 20<br />
A Day of Mindfulness<br />
for Body, Mind and<br />
Spirit<br />
This mini-retreat will help you<br />
promote resilience, positive<br />
psychology and emotional<br />
intelligence. Mobilize your inner<br />
resources for healing, practice<br />
self-care approaches for<br />
promoting health, learn mindbody<br />
skills for managing stressrelated<br />
chronic conditions, relax<br />
your body, quiet your mind and<br />
open your heart and cultivate your<br />
innate happiness, peacefulness<br />
and compassion. You will learn:<br />
CLASSES OFFERED:<br />
• Yoga for Golfres, TM<br />
• Beginners and Basic Yoga<br />
• Yin and Restorative Yoga<br />
• Gentle Yoga and Restorative Yoga<br />
for Cancer<br />
• Chair Yoga for Recovery<br />
• Heated (80-85) Degree Slow Flow Yoga<br />
Class Schedule at<br />
agelessyogastudio.com<br />
skilled relaxation, body scan,<br />
guided imagery, journaling,<br />
self massage, mindfulness<br />
meditation and mindful gentle<br />
yoga. Instucted by John A.<br />
Patterson MD, MSPH, FAAFP,<br />
Board certified- Family Practice<br />
and Integrative Holistic Medicine,<br />
Faculty member- UK College<br />
of Medicine, U of L School of<br />
Medicine, Saybrook Graduate<br />
School of Mind Body Medicine.<br />
Cost $95 includes food and drink<br />
(discount available for financial<br />
need). Pre-registration required:<br />
9AM-4PM @ Mind Body Studio,<br />
517 Southland Drive Lexington<br />
KY 40503. www.mindbodystudio.<br />
org. 859-373-0033.<br />
<strong>October</strong> 4<br />
Sound Healing<br />
Workshop<br />
11:00-12:30, Centered Lexington,<br />
309 North Ashland Avenue Suite<br />
180. This workshop will explore<br />
the use of sound, vibration, and<br />
mantra for yoga, meditation,<br />
and relaxation practices through<br />
gong, kirtan and chanting!<br />
$15.00 donation will go toward<br />
supporting the mission and<br />
services of the Centered<br />
community. See http://www.<br />
centeredlex.com/ for the calendar.<br />
<strong>October</strong> 11<br />
NAMI Walk<br />
www.namiwalks.org/Lexington<br />
Saturday <strong>October</strong> 11, <strong>2014</strong> at<br />
Masterson Station Park. Walker<br />
check-in time: 10am. Walk starts:<br />
11am. No registration fee but<br />
walkers are encouraged to collect<br />
donations. All proceeds fund<br />
NAMI local programs. For more<br />
info, call Marcie Timmerman, 859-<br />
317-2792.<br />
• Private 1-on-1 Yoga Sessions<br />
• Reiki Sessions<br />
New Student Introductory Offer:<br />
30 days for $30<br />
UNLIMITED yoga<br />
(Offer good only if you have not been to<br />
Ageless Yoga before)<br />
FREE CLASS*<br />
When you sign up a friend!<br />
611 Winchester Rd, Suite 200<br />
Lexington, KY 40505<br />
859-303-6225<br />
info@agelessyogastudio.com<br />
agelessyogastudio.com<br />
*on your next package deal<br />
CMS Issues Revised<br />
Guidance on Medicare<br />
Part D for Hospice Patients<br />
KAHPC & Several Members of the<br />
Kentucky Congressional Delegation Played<br />
Crucial Role in Advocating for Revisions<br />
Provided by Kentucky Association<br />
of Hospice & Palliative Care<br />
Several members of the Kentucky<br />
Congressional Delegation joined<br />
the Kentucky Association of Hospice<br />
and Palliative Care (KAHPC)<br />
in calling for a temporary halt in<br />
recent Part D Payment Reform<br />
Guidance issued by CMS. Specifically,<br />
Senator Mitch McConnell,<br />
Representatives Ed Whitfield, Brett<br />
Guthrie, John Yarmuth, and Andy<br />
Barr co-signed letters sent by the<br />
United States House and United<br />
States Senate to CMS Administrator<br />
Marilyn Tavenner requesting<br />
that CMS suspend the current Part<br />
D payment policy and instead bring<br />
together all relevant stakeholders to<br />
work together on a policy that does<br />
not jeopardize Medicare beneficiaries’<br />
access to medication. The joint<br />
efforts of Congressional leaders and<br />
hospice advocates have paid off and<br />
now hospice patients everywhere<br />
will have timely access to needed<br />
prescription medications.<br />
On March 10, <strong>2014</strong>, the Centers<br />
for Medicare & Medicaid Services<br />
(CMS) issued a memorandum to<br />
Part D Plan Sponsors and Medicare<br />
Hospice Providers entitled, “Part D<br />
Payment for Drugs for Beneficiaries<br />
Enrolled in Hospice – Final <strong>2014</strong><br />
Guidance” (Guidance). The Guidance,<br />
which became effective May 1,<br />
<strong>2014</strong>, set forth a prior authorization<br />
process aimed at limiting instances<br />
in which a Part D plan inappropriately<br />
covered prescription medications<br />
related to a hospice beneficiary’s<br />
terminal condition.<br />
When a beneficiary elects hospice<br />
under Medicare, the hospice is<br />
required to pay for drugs associated<br />
with terminal illness or related conditions.<br />
Part D processes the medications<br />
for conditions unrelated to<br />
the terminal illness. This framework<br />
means that medications that should<br />
be covered by the Medicare hospice<br />
benefit are sometimes incorrectly<br />
paid for by Part D plans. Under the<br />
prior Guidance, whenever a beneficiary<br />
or family caregiver attempted<br />
to fill a prescription at a pharmacy,<br />
the pharmacy was required contact<br />
the prescriber to determine whether<br />
the medication was related to the<br />
terminal illness. If it was not or if the<br />
determination of relatedness was<br />
unclear, the pharmacy could not fill<br />
the prescription. Instead, the pharmacy<br />
had to notify the beneficiary<br />
of his or her appeal rights – thus<br />
placing the burden on the beneficiary<br />
to request a formal coverage<br />
determination from their Part D<br />
plan to access their prescribed<br />
medication.<br />
In effect, the Guidance placed<br />
terminally ill patients at the center<br />
of disagreements between hospice<br />
providers and Part D plans, leaving<br />
them to navigate payer disputes on<br />
their own – a battle for which they<br />
had neither the time nor strength.<br />
Recognizing this problem,<br />
KAHPC joined forces with hospice<br />
providers across the nation and<br />
went to Washington, D.C. to rally<br />
for change. Specifically, KAHPC<br />
met with the Kentucky Congressional<br />
delegation and informed<br />
them about the hugely detrimental<br />
impact the Guidance was having on<br />
hospice patients and their families.<br />
The united front was successful.<br />
On July 18, <strong>2014</strong>, CMS issued a<br />
new memorandum, which now limits<br />
prior authorization by hospices<br />
to four classes of drugs: analgesics,<br />
antinauseants, laxatives, and antianxiety<br />
medications. According to<br />
the HHS Inspector General, these<br />
CMS Continued on Page 31
1 8 SEPT/OCT 2 0 1 4<br />
Senior Services<br />
DIRECTORY<br />
About the Directory<br />
<strong>Living</strong> <strong>Well</strong> 50+ is striving to make your search for local<br />
senior services a bit easier. We know there are many<br />
companies available to assist seniors in central Kentucky<br />
– so many that beginning a search to fit your need can<br />
seem like a daunting task.<br />
That’s why our directory features a collection of local<br />
companies and organizations who have a solid track<br />
record of providing exceptional assistance. We hope it<br />
becomes a useful starting point in your search for quality<br />
senior services.<br />
Category Key<br />
County Offices & Meal Programs<br />
Health Care Systems & Hospitals<br />
Transportation, Personal Shopping, Errands<br />
Does your<br />
business<br />
provide<br />
excellent<br />
senior<br />
services?<br />
call us for a spot<br />
in the directory<br />
859.225.4466<br />
Senior Day Centers, Adult Day Centers &<br />
Respite Care<br />
In Home Care (Non-Medical)<br />
In Home Medical Care<br />
Mental Health, Family & Caregiver Support, Advice<br />
Disability & Rehabilitation<br />
Medical Equipment, Supplies & Monitoring Systems<br />
Finances & Estate Planning, Trusts/Wills,<br />
Reverse Mortgage<br />
Funeral Arrangement & Pre-Planning<br />
Legal Services<br />
Home Repair & Maintenance<br />
Skilled Nursing Facilities, Personal Care Homes,<br />
Long-Term Care<br />
Senior Independent <strong>Living</strong> & Retirement Housing<br />
(Non-Medical)<br />
Real Estate / Rent- Subsidized Housing For Independent<br />
<strong>Living</strong><br />
Moving, Estate Sales, Downsizing Services<br />
Fitness, Healthy Eating & Healthy <strong>Living</strong><br />
Healthcare, Medicare Help and Insurance<br />
Vision Care
SEPT/OCT 2 0 1 4<br />
1 9<br />
HEALTH CARE SYSTEMS<br />
& HOSPITALS<br />
Lexington Clinic<br />
1221 S. Broadway<br />
Lexington, KY 40504<br />
859-258-4000<br />
IN HOME CARE<br />
(NON-MEDICAL)<br />
Accessible Home<br />
Health Care<br />
366 Waller Ave. Ste. 112<br />
Lexington, KY 40504<br />
859-313-5167<br />
www.accessiblebluegrass.com<br />
Assisting Hands<br />
1795 Alysheba Way, Ste. 7105<br />
Lexington, KY 40509<br />
859-264-0646<br />
www.assistinghands.com/lexington<br />
Senior Helpers of the<br />
Bluegrass<br />
3070 Harrodsburg Rd. Ste. 240<br />
Lexington, KY 40503<br />
859-296-2525<br />
www.seniorhelpers.com<br />
IN HOME<br />
MEDICAL CARE<br />
Medi-Calls<br />
1055 <strong>Well</strong>ington Way #215<br />
Lexington, KY 40513<br />
859-422-4369<br />
Saint Joseph Home Health<br />
2464 Fortune Dr. Ste. 110<br />
Lexington, KY 40509<br />
859-277-5111<br />
www.saintjosephanchomecare.com<br />
DISABILITY &<br />
REHABILITATION<br />
YMCA of Central Kentucky<br />
239 E. High St.<br />
Lexington, KY 40502<br />
859-254-9622<br />
ymcaofcentralky.org<br />
Drayer Physical Therapy<br />
Institute: Winchester Center<br />
160 Pedro Way<br />
859-745-2152<br />
www.drayerpt.com<br />
Drayer Physical Therapy<br />
Institute: Richmond Center<br />
1054 Center Drive, Ste. 1<br />
859-625-0600<br />
www.drayerpt.com<br />
Drayer Physical Therapy<br />
Institute: Lexington Perimeter<br />
Center<br />
600 Perimeter Drive, Ste. 175<br />
859-268-1201<br />
www.drayerpt.com<br />
Drayer Physical Therapy<br />
Institute: Lexington Beaumont<br />
Center<br />
1010 Monarch Street, Ste. 150<br />
859-219-0211<br />
www.drayerpt.com<br />
MEDICAL EQUIPMENT,<br />
SUPPLIES &<br />
MONITORING SYSTEMS<br />
Central Baptist Lifeline<br />
859-260-6217<br />
www.centralbap.com<br />
FINANCES & ESTATE<br />
PLANNING, TRUSTS/<br />
WILLS, REVERSE<br />
MORTGAGE<br />
Attorney Walter C. Cox, Jr<br />
& Assoc. LLC<br />
2333 Alexandria Dr.<br />
859-514-6033<br />
www.waltercoxlaw.com<br />
info@waltercoxlaw.com<br />
LEGAL SERVICES<br />
Bluegrass Elder Law<br />
120 North Mill Street, Ste 300<br />
859-281-0048<br />
www.bgelderlaw.com<br />
HOME REPAIR &<br />
MAINTENANCE<br />
Mountain Waterfalls<br />
Award-Winning Water Features<br />
859-684-0642<br />
www.mountainwaterfalls.net<br />
SENIOR INDEPENDENT<br />
LIVING & RETIREMENT<br />
HOUSING (NON-MEDICAL)<br />
Mayfair Village<br />
3310 Tates Creek Rd.<br />
Lexington, KY 40502<br />
859-266-2129<br />
www.mayfairseniors.com<br />
Windsor Gardens of<br />
Georgetown Assisted <strong>Living</strong><br />
100 Windsor Path<br />
Georgetown, KY 40324<br />
502-570-0540<br />
marsha@goodworksunlimited.com<br />
Rose Mary C. Brooks Place<br />
200 Rose Mary Dr.<br />
Winchester, KY 40391<br />
859-745-4904<br />
www.brooksplace.org<br />
The Lafayette<br />
690 Mason Headley Rd.<br />
859-278-9080<br />
www.lafayettelexington.com<br />
Ashland Terrace<br />
475 S. Ashland Ave.<br />
Lexington, KY 40502<br />
859-266-2581<br />
www.ashlandterrace.org<br />
Hometown Manor Assisted<br />
<strong>Living</strong> Community<br />
Georgetown, Lawrenceburg,<br />
Shelbyville<br />
859-229-5914<br />
www.hometownmanor.com<br />
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(single story, senior apartment,<br />
independent living, continuing<br />
care retirement community or assisted<br />
living or senior community)<br />
should you proceed.<br />
There are several ways to downsize.<br />
Three simple ways are:<br />
• Donate your items to a worthy<br />
charity.<br />
• Send your items to auction.<br />
• Give items over time to family<br />
and friends.<br />
All these techniques have both<br />
pros and cons. For example, giving<br />
items away or donating to a worthy<br />
charity makes you feel good. You<br />
are helping family, friends and<br />
others within the community, a<br />
definite plus. But if you donate or<br />
give your belongings away, you<br />
will not receive cash for them.<br />
Your furniture and household<br />
items have value and that investment<br />
can be turned into cash.<br />
Selling your items at auction is<br />
a quick way to rid yourself of extra<br />
personal property. While it is fast<br />
(a pro), there are no guarantees<br />
the items will sell for what you<br />
expect them to (a con). There are<br />
never any guarantees when you<br />
sell at auction. Items bring what<br />
they will bring on any given day.<br />
Auction contracts, terms, conditions<br />
or commissions vary, as will<br />
the cost of moving items to the<br />
showroom. If you do choose this<br />
route, make sure the auctioneer is<br />
properly licensed. Attend an auction<br />
before you hire an auctioneer<br />
or sign a contract.<br />
Many people decide to hold<br />
their own estate or garage sale or<br />
hire a company to do it for them.<br />
Both of these techniques are fine<br />
to pursue, but do so with reservations.<br />
Carefully check out the<br />
company you are hiring. Will they<br />
sell your items on the Internet,<br />
at the house or on consignment?<br />
Check out their references, their<br />
reputation and their knowledge of<br />
the items to be sold. Be sure you<br />
show the consignment shop owner<br />
your items first and check both<br />
terms and commission.<br />
If you decide to hold your own<br />
garage sale, follow these guidelines:<br />
• Never do a sale alone. Ask<br />
friends to help watch customers<br />
and to serve as cashiers. Be<br />
sure they circulate and are visible<br />
to discourage shoplifting.<br />
• Hold the sale outside or in a<br />
garage. Never let anyone in<br />
your house and keep the doors<br />
DOWNSIZE Continued on Page 31
2 2 SEPT/OCT 2 0 1 4<br />
Headaches Can<br />
Change As You Age<br />
New research being<br />
conducted on common<br />
health complaint<br />
by Jamie Lober, Staff Writer<br />
Headaches tend to be one of the<br />
most common health complaints<br />
to hit doctors’ offices. You may<br />
wonder if headaches get worse as<br />
you age and when you should be<br />
concerned about their intensity<br />
and frequency. Many people are<br />
surprised to learn headaches affect<br />
the entire lifespan.<br />
“Typically, we see headaches are<br />
a problem that starts in the young<br />
teenage years,” said Dr. Siddharth<br />
Kapoor, director of the headache<br />
program at University of Kentucky<br />
HealthCare.<br />
If you are struggling with headaches,<br />
you are not alone. “Twelve<br />
percent of the world’s population<br />
suffers from migraine-type headache,<br />
the most common type of<br />
headache disorder,” said Kapoor.<br />
Some people are at greater risk<br />
than others. “Usually for the most<br />
common types of headaches,<br />
there is a genetic predisposition or<br />
susceptibility,” Kapoor said. “There<br />
are occasionally triggers, but nothing<br />
can prevent them entirely for<br />
someone who is susceptible.”<br />
Everyone’s prognosis is different.<br />
“Some people get tremendous<br />
benefit as they age and the headaches<br />
tend to go away, especially<br />
for women who had a hormonal<br />
influence on their headaches,” said<br />
Kapoor. “But for many others, the<br />
headaches tend to persist and occasionally<br />
can change their form.”<br />
It is important to communicate<br />
with your doctor about how you<br />
are feeling. “Patients who have a<br />
significant change in their headache<br />
type need to talk to their doctor<br />
about it because it may require<br />
attention,” said Kapoor.<br />
The key is to first understand<br />
the type of headache you have.<br />
“I recommend the patient bring<br />
to the doctor’s office a detailed<br />
description and good notes about<br />
the headaches,” Kapoor said. This<br />
includes:<br />
• the headache’s location;<br />
• what brings it on;<br />
• what makes it better or worse;<br />
• how it is affected by sleep or alcohol<br />
or caffeine consumption;<br />
• what medications help it or<br />
make it worse;<br />
• what medications or incidents<br />
in their life may have led to the<br />
start of the headache; and<br />
• if there is anyone else in the<br />
family who has headaches.<br />
The more information you<br />
Are You Injured?<br />
Are You Disabled?<br />
provide, the easier it is for the<br />
doctor to arrive at a good diagnosis<br />
and effective treatment. “We have<br />
a good history of the patient, their<br />
patterns and then an evaluation<br />
and sometimes detailed testing<br />
like MRI of the brain or imaging,<br />
although that is not necessary for<br />
everybody,” said Kapoor.<br />
New research into headaches is<br />
constantly underway, Kapoor said,<br />
and treatments are getting creative.<br />
“There is increased emphasis on<br />
electrical or magnetic therapy or<br />
medical devices to help, especially<br />
for those with a lot of co-morbidities<br />
or other conditions like heart<br />
conditions who sometimes cannot<br />
take the medications that are commonly<br />
prescribed,” said Kapoor.<br />
“Sometimes we use nerve-block<br />
injections. Botox, which is used<br />
for cosmetic reasons or stroke<br />
victims, can be effective for a small<br />
group that has frequent migraine<br />
headaches. It is an FDA-approved<br />
therapy.”<br />
It is possible to gain control over<br />
HEADACHE Continued on Page 31<br />
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Motorcycle Accidents<br />
Nursing Home Neglect<br />
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Wrongful Death Cases<br />
Personal Injury Cases<br />
Long-Term Disability<br />
Immigration
Late-Life Success:<br />
Grandma Moses<br />
Folk artist is consummate example<br />
of starting a new career at<br />
advanced age<br />
by Angela S. Hoover,<br />
Staff Writer<br />
Renowned<br />
American folk artist<br />
Grandma Moses is<br />
one of the most noted and oft-cited<br />
examples of someone embarking on<br />
new career at an advanced age. Yet,<br />
unlike other late-life success stories,<br />
Anna Mary Robertson Moses didn’t<br />
plan to start a new career.<br />
Born Sept. 7, 1860 in Greenwich,<br />
N.Y., Moses grew up in a rural farm<br />
community with sporadic education.<br />
As a child, she drew pictures<br />
and colored them with berry and<br />
grape juices. At age 12, she left her<br />
SEPT/OCT 2 0 1 4<br />
parent’s farm to work as a hired girl<br />
until she married Thomas Moses<br />
in 1887. The two farmed in the<br />
Shenandoah Valley near Staunton,<br />
Va., until 1905, when they moved to<br />
a farm at Eagle Bridge, N.Y., not far<br />
from her birthplace. Thomas died in<br />
1927 and Moses continued farming<br />
until 1936.<br />
Moses tried doing worsted<br />
embroidery but arthritis made it too<br />
difficult, so she switched to painting<br />
at age 76. Initially, she copied illustrated<br />
postcards and Currier and<br />
Ives prints. Later she began recreating<br />
scenes from her childhood. She<br />
gave her early paintings away or sold<br />
them for $2 to $5.<br />
In 1939, Louis Caldor, an<br />
engineer and art collector, was<br />
impressed by several of her paintings<br />
he saw hanging in a drugstore<br />
window in Hoosick Falls, N.Y. He<br />
bought them, then went to her farm<br />
and bought her remaining paintings.<br />
In <strong>October</strong> of that year, three of the<br />
paintings were exhibited at the Museum<br />
of Modern Art in New York<br />
in a show titled “Contemporary,<br />
Unknown Painters.”<br />
Moses’ paintings immediately<br />
garnered favorable criticism. Art<br />
historians labeled her painting style<br />
American Primitive, described as<br />
naïve yet acclaimed for its purity of<br />
color, attention to detail and vigor.<br />
Throughout her life, Moses produced<br />
more than 1,600 paintings. In<br />
November 2006, her 1943 painting<br />
“Sugaring Off ” sold for $1.2 million.<br />
In <strong>October</strong> 1940, Moses had a<br />
one-woman show of 35 paintings<br />
under the name Mrs. Moses at Galerie<br />
St. Etienne in New York. The<br />
press dubbed her Grandma Moses<br />
and the nickname stuck. Grandma<br />
Moses exhibitions were so popular<br />
they broke attendance records all<br />
over the world. From 1946, her<br />
2 3<br />
paintings were reproduced in prints<br />
and on Christmas cards, as well as<br />
curtains, dresses, cookie jars and<br />
dinner ware. They were used to sell<br />
cigarettes, cameras, lipstick and<br />
instant coffee.<br />
Moses’ paintings were shown<br />
throughout the United States and<br />
Europe in about 150 solo shows and<br />
100 group exhibits. In 1949, President<br />
Harry Truman presented her<br />
with the Women’s National Press<br />
Club Trophy Award for outstanding<br />
accomplishment in art. In 1950<br />
the National Press Club cited her<br />
as one of the five most newsworthy<br />
women, and the National Association<br />
of House Dress Manufacturers<br />
named her their 1951 Woman of<br />
the Year. Moore College of Art in<br />
Philadelphia awarded her its first<br />
honorary doctorate degree. Mademoiselle<br />
magazine named Grandma<br />
Moses “Young Woman of the Year”<br />
when she was 88.<br />
A little more than a year and a half<br />
after being featured on the cover of<br />
Life magazine, Robertson died at<br />
the age of 101. A U.S. commemorative<br />
stamp was issued in her honor<br />
in 1969.<br />
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2 4 SEPT/OCT 2 0 1 4<br />
Local Agency Helps Refugees Pursue the ‘American Dream’<br />
Kentucky Refugee Ministries provides comprehensive resettlement services<br />
by Tanya J. Tyler,<br />
Editor<br />
Started in Louisville<br />
21 years ago,<br />
Kentucky Refugee<br />
Ministries (KRM)<br />
is a resettlement agency dedicated<br />
to helping refugees become selfsufficient,<br />
contributing members of<br />
the community.<br />
What is a refugee?<br />
“By definition, refugees have<br />
to be out of their home country;<br />
they’ve been forced to flee for fear<br />
of their lives. They cross a border<br />
and then they apply to get into the<br />
refugee resettlement program,” said<br />
KRM resource coordinator Dabney<br />
Parker, who works in the Lexington<br />
affiliate office that opened in 1998.<br />
The refugees may be fleeing from<br />
religious, ethnic or political persecution.<br />
Most stay in the resettlement<br />
process for years and years and<br />
years, Parker said. Some Congolese<br />
have been in camps in Africa for up<br />
to 15 years. Some Bhutanese have<br />
been in camps in Nepal for 22 years.<br />
The holdup is mostly due to red<br />
tape.<br />
“When they cross the border and<br />
find a refugee camp, there are folks<br />
on the ground in those places that<br />
are interviewing, but they have to<br />
first of all prove that they qualify as<br />
a refugee,” Parker said. “They have<br />
to prove identification, and they<br />
don’t have documents a lot of times.<br />
If you’re fleeing, you don’t stop and<br />
pack a suitcase. So with the lack of<br />
documentation, just identifying<br />
them takes a very long time.”<br />
After going through the screening<br />
process, the refugees come to the<br />
United States, some of them right to<br />
the heart of the Bluegrass.<br />
“Kentucky is very different,” Parker<br />
said. “All of our folks are coming<br />
from very warm climates. One<br />
family came from the Congo. They<br />
landed in February at midnight and<br />
there were three inches of snow on<br />
the ground.”<br />
Once the refugees arrive in Kentucky,<br />
KRM’s goal is to help them<br />
settle into their new life. The agency<br />
provides new arrivals with furnished<br />
apartments.<br />
“After being in Africa or another<br />
location for 10 to 15 years in a tent<br />
or hut, a hardscape apartment –<br />
furnished! – is overwhelming, seen<br />
straight from an airport arrival<br />
after 48 hours of traveling halfway<br />
around the world,” Parker said.<br />
Volunteers help set up the apartments,<br />
greet the new arrivals at the<br />
airport and take them to various<br />
social service and medical appointments.<br />
“They come alongside and help<br />
them adjust to this new culture, this<br />
new land they’re in,” Parker said.<br />
Clients begin to take English as<br />
a Second Language classes and an<br />
eight-week course called World<br />
of Work that helps with résumé<br />
writing, online applications and<br />
interviewing skills. Within a year,<br />
generally, the former refugees are<br />
working and pursuing their own<br />
version of the “American dream.”<br />
“There will be some that have a<br />
more difficult time adjusting just<br />
as there would be with any population,”<br />
said Parker. “We stay with<br />
them. If we don’t see them, that<br />
means things are fine and they’re off<br />
and running and doing what they’re<br />
supposed to do: building a new life.”<br />
One year KRM helped resettled<br />
282 people, and it is on target to do<br />
the same this year. Parker said the<br />
work is personally very rewarding.<br />
“I think refugees are the most<br />
courageous, resilient population of<br />
people I know,” she said. “They have<br />
left everything that’s familiar and<br />
they’re coming to a whole new place<br />
and having to start all over. I have<br />
the greatest admiration for them.<br />
“What we do here is really what<br />
America is all about,” she added.<br />
“We are a nation of immigrants and<br />
these are our newest new American<br />
families.”<br />
To learn more about KRM, visit<br />
its Web site at www. kyrm.org or call<br />
(859) 226-5661.<br />
Pictured: WOW Graduation:<br />
Refugees who have attended the<br />
eight-week prep class World of<br />
Work show off their certificates.<br />
World of Work helps them with<br />
résumé writing and interviewing<br />
skills. Photo credit: Kentucky<br />
Refugee Ministries<br />
Yellow/ Wildcat Cab<br />
Now offering<br />
wheelchair accessible vans<br />
Since 1934 Yellow/Wildcat Cab has been growing with the community<br />
As always we are looking forward to serving you
y Dr. Tom Miller,<br />
Staff Writer<br />
If you still long<br />
to feel the “thrill<br />
of victory” in an<br />
Olympic challenge, the <strong>2014</strong><br />
Kentucky Senior Games could be<br />
your chance.<br />
From Sept. 2-7 in Frankfort,<br />
seniors will compete in 23 different<br />
events, including basketball,<br />
golf, tennis (singles and doubles),<br />
cross country, cycling and swimming.<br />
Sports you won’t find at the<br />
official Olympics but are staples<br />
at these Games include corn hole<br />
and pickle ball. The Games are<br />
open to Kentuckians age 50 years<br />
and older.<br />
The goal of the Kentucky Senior<br />
SEPT/OCT 2 0 1 4<br />
Kentucky Senior<br />
Games Promote<br />
Health and Fitness<br />
for Persons 50+<br />
Games is to maintain or improve<br />
the physical, mental and emotional<br />
health of all senior Kentuckians.<br />
Its purpose is to implement a<br />
year-round program of fitness and<br />
health promotion for Kentuckians<br />
who are <strong>Living</strong> <strong>Well</strong> 50 Plus.<br />
“There was a gentleman last year<br />
who was in his 90s,” said Al Gordon,<br />
chair of the Kentucky Senior<br />
Games board. “He’s participated<br />
in the Games for over 30 years.<br />
He’s an exciting young man.”<br />
Gordon has competed in the<br />
Games for the past eight years.<br />
His wife started competing five<br />
years ago. She participates in<br />
cross country, but his sport of<br />
choice is golf. He enjoys seeing all<br />
the people who come out to the<br />
Games.<br />
Take on an Olympic<br />
challenge in a variety<br />
of events<br />
“It’s been an inspiration for me<br />
to see the seniors involved,” he<br />
said.<br />
Seniors from all over Kentucky<br />
participate, as well as people from<br />
bordering states who want to<br />
qualify for the National Senior<br />
Games, to be held in Minneapolis<br />
this year. “Last year we had over<br />
300 participants and this year<br />
we could get over 500 people,”<br />
Gordon said.<br />
The athletes may be amateurs,<br />
but they are dedicated to and<br />
focused on their chosen events.<br />
“One of the biggest sports is<br />
track and field,” Gordon said.<br />
“Most participants are still walking<br />
or running and doing those<br />
events. There’s a huge horseshoe<br />
group in Frankfort, and last year<br />
2 5<br />
that was one of the bigger events.”<br />
While a main focus is the<br />
competition, many of the athletes<br />
come out for the camaraderie.<br />
“It’s an exciting time for a lot of<br />
seniors,” Gordon said. “One of<br />
the things is the friendships that<br />
they develop from competing<br />
in the Kentucky Senior Games.<br />
They come back every year to see<br />
their friends and to celebrate and<br />
continue to participate.”<br />
While many of the sporting<br />
events in the Kentucky Senior<br />
Games are familiar, pickle ball is<br />
something new.<br />
“It’s growing really fast in Lexington,”<br />
said Gordon. “It’s huge in<br />
Florida.”<br />
According to Gordon, pickle<br />
ball uses a badminton court, a low<br />
net, a whiffle ball and a wooden<br />
paddle. Singles or doubles can<br />
play.<br />
The Kentucky Senior Games<br />
encourages older adults to stay active<br />
and fit and revive past fitness<br />
and recreational skills or learn new<br />
ones. Volunteers with expertise in<br />
sports officiating or administration<br />
are needed for the Games.<br />
“That’s a big part of being able<br />
to host state games, to have people<br />
who are willing to work the event,”<br />
Gordon said. “We invite younger<br />
people to come and help.”<br />
For more information about the<br />
Games or to register, go to www.<br />
kentuckyseniorgames.com.<br />
“Get involved for your personal<br />
health and wellness,” Gordon said.<br />
“That’s why I do it.”<br />
Additional reporting by Tanya<br />
J. Tyler, <strong>Living</strong> <strong>Well</strong> 50 Plus<br />
editor<br />
CALL 231-TAXI<br />
and ask for a wheelchair van<br />
D.B.A. Yellow Cab Company of Lexington<br />
799 Enterprise Drive • Lexington, KY 40510 • 859-233-4890
2 6 SEPT/OCT 2 0 1 4<br />
For a Hearty Fall Supper, Try an<br />
Old-Fashioned Casserole<br />
Ever-popular comfort foods help make winter bearable<br />
As autumn chills become the<br />
rule, it’s time to batten down the<br />
hatches and face the fact that<br />
winter is just around the corner.<br />
We hunker down to our favorite stews<br />
and soups, but in the back of our minds are<br />
those old favorites of our childhoods: the<br />
ever-popular casseroles.<br />
Oh, sure, they’re not what we’d ordinarily<br />
consider “company food,” but that’s just the<br />
beauty of these treasures. They’re just for us;<br />
they’re comfort foods and they speak to us<br />
of the winter days of our youth.<br />
Make no mistake, though, many<br />
casseroles are good enough to share with<br />
company. In fact, we can create a special<br />
kind of intimacy with friends by sharing our<br />
own special favorites. In our house, we’ve<br />
had some of the best times with best friends<br />
sharing one of these “one-dish wonders” that<br />
were so popular in the 1950s and early ’60s.<br />
When you resurrect the recipes, it actually<br />
makes you wonder why they ever fell out of<br />
favor.<br />
So don’t think of a casserole as an<br />
“everyday” dish or something that’s brewed<br />
up from leftovers. One-dish preparations are,<br />
in fact, part of a respected culinary tradition.<br />
What would France be without its cassoulet?<br />
Here are a trio of recipes to try.<br />
BAKED PASTA<br />
CASSEROLE<br />
No doubt you’ve gone to an Italian<br />
restaurant and ordered baked ziti, baked<br />
mostaccioli or some other rich, hearty Italian<br />
specialty from the oven. Served piping hot,<br />
with plenty of cheese, it’s a hearty, stick-to-<br />
food<br />
dude<br />
Frank<br />
Kourt<br />
the<br />
your-ribs dish and also surprisingly easy<br />
to make.<br />
• 1/2 cup dry red wine<br />
• 1 lb. Italian sausage, hot or sweet<br />
• 1 lb. mostaccioli or other pasta<br />
cooked al dente (slightly chewy)<br />
• 1 lb. mozzarella cheese, sliced or<br />
shredded<br />
• Grated Parmesan or Romano cheese<br />
• 1.5 quarts thick spaghetti sauce*<br />
In a large frying pan, simmer the<br />
sausage in the wine until done (after the<br />
wine has boiled away and the sausage<br />
browns). Cut the sausage into 2-inch<br />
sections. Cook and drain pasta. Arrange<br />
some of the pasta on the bottom of an<br />
ovenproof casserole, add some sausage<br />
pieces, cover with mozzarella, then sauce.<br />
Layer on more pasta, meat, cheese and<br />
sauce until casserole is full. Finish with<br />
sauce covering the top and sprinkle with<br />
grated cheese. Bake, covered, for one<br />
hour in a 325-degree oven. Serve piping<br />
hot with a good Italian bread and, if<br />
desired, a salad.<br />
*Use you own sauce or try the bottled<br />
variety, which you may want to “jazz<br />
up” by mixing in some sautéed onions,<br />
green peppers and mushrooms and some<br />
additional Italian spices.<br />
CURRIED CHICKEN<br />
CASSEROLE<br />
This is a family favorite with a hint of<br />
the mysterious East to it, thanks to a dash<br />
of curry powder.<br />
• 3 boned, skinless chicken breasts or 6<br />
boned, skinless chicken thighs<br />
• 2 sliced carrots<br />
• 1 onion, chopped<br />
• 1 tsp. salt<br />
• 1 bunch fresh broccoli, cut into spears<br />
• 1 can cream of chicken soup<br />
• 2/3 cup mayonnaise or salad dressing<br />
• 1/3 cup evaporated milk<br />
• 1 cup grated Cheddar<br />
• 1 tsp. lemon juice<br />
• 1 tsp. curry powder<br />
• 1 T melted butter/margarine<br />
• 3/4 cup bread crumbs<br />
Place the meat, carrots, onion and<br />
salt in a pot. Cover with hot water and<br />
simmer until chicken is tender, 35-45<br />
minutes. Cool the chicken and cut<br />
each breast into quarters or cut thighs<br />
in half. Steam the broccoli until almost<br />
tender and arrange it lengthwise in a<br />
casserole, topping with the chicken. Mix<br />
the soup, mayonnaise, evaporated milk,<br />
cheese, lemon juice and curry together<br />
well and use it to top the chicken and<br />
broccoli. Blend the melted butter and<br />
bread crumbs and sprinkle on top of<br />
the casserole. Bake in a pre-heated<br />
350-degree oven, uncovered, for 30-45<br />
minutes until heated through.<br />
TATER TOPPED BEEF<br />
CASSEROLE<br />
This one’s so easy to make (it uses<br />
canned and “instant” ingredients) that<br />
you’re not going to believe it’s fit for<br />
company. It is, though. It makes a hearty,<br />
yet attractively presented all-in-one meal.<br />
• 2 T butter or margarine<br />
• 1 large onion, chopped<br />
• 3 stalks thinly sliced celery<br />
• 2 cans roast beef and gravy<br />
• 1 pkg. frozen peas, thawed<br />
• 1 tsp. Worcestershire<br />
• 2 cups hot mashed potatoes (instant<br />
is okay)<br />
• 1 T dried parsley<br />
Sauté the onion and celery in the<br />
margarine until onion is transparent.<br />
Add roast beef with gravy and peas and<br />
Worcestershire. Mix well and place in<br />
casserole. Mix the parsley in with the<br />
mashed potatoes and drop rounded<br />
tablespoonsful around the edges of the<br />
casserole to make a border. Bake at 325<br />
degrees for about 30 minutes, until the<br />
tops of the potatoes are turning a golden<br />
brown.
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M A G A Z I N E<br />
2 8 SEPT/OCT 2 0 1 4<br />
Senior Care:<br />
When <strong>Living</strong> Alone Is No<br />
Longer an Option<br />
Consider different programs available<br />
by Angela S. Hoover,<br />
Staff Writer<br />
Life expectancy<br />
has increased dramatically,<br />
but so<br />
have the challenges of living with<br />
an aged body and mind. For many<br />
seniors, living alone is no longer<br />
an option, be it due to a physical<br />
condition or a neurological one<br />
such as Alzheimer’s disease. When<br />
this time comes for a family member<br />
or even for yourself, there are<br />
plenty of options.<br />
The first thing to consider<br />
doing is contacting the Kentucky<br />
Department of Aging and<br />
Presenting Sponsor<br />
&<br />
Independent <strong>Living</strong> (DAIL). Staff<br />
and/or the Web site can provide<br />
information about all services or<br />
programs you and your family<br />
qualify for. DAIL can also provide<br />
listings of in-home caregivers,<br />
home-health caregivers, assisted<br />
independent living communities,<br />
senior housing and full-facility<br />
(nursing) homes. DAIL can also<br />
connect you with caregiver respite<br />
and counseling services. Call<br />
1-800-372-2973 or visit http://<br />
chfs.ky.gov/dail/default.htm for<br />
more information.<br />
About 70 million families opt<br />
for family caregiving, where a<br />
relative takes care of the elderly<br />
Thursday, <strong>October</strong> 2, <strong>2014</strong><br />
Registration: 5:30 pm<br />
Hot Seat Event: 6:00-9:00 pm<br />
Ticket Price: $100 (includes dinner)<br />
Marriott Griffin Gate Ballroom<br />
1800 Newtown Pike Lexington, KY 40511<br />
Join us for our 3rd annual Hot Seat for HOPE<br />
event! It is an honor to have Coach Joe B.<br />
Hall in the “Hot Seat” this year! Proceeds<br />
will benefit Kentucky CancerLink. The<br />
mission of Kentucky CancerLinkis to provide<br />
support to Kentuckians by removing and/<br />
or reducing barriers to screening, diagnosis<br />
and treatment of cancer. Visit our website:<br />
www.kycancerlink.org for more information<br />
and ticket purchase.<br />
Hear former UK players, colleagues and<br />
friends share their best stories and insights<br />
about Coach Hall while supporting a great<br />
cause! Roasters/Toasters will include Coach<br />
Denny Crum, Terry McBrayer, Ben Chandler<br />
and other special guests! We are pleased to<br />
have Jack “Goose” Givens as emcee for the<br />
event!<br />
person in one of their homes. Oftentimes<br />
the caregiver is unable to<br />
work full or part time at an outside<br />
job due to the time and energy demands<br />
of caregiving. There is relief<br />
for those families who are not able<br />
to shoulder this economic burden.<br />
Medicaid offers Cash and Counseling<br />
grants in Kentucky that pay<br />
a small stipend to the caregiver.<br />
Visit www.cashandcounseling.org<br />
or www.cms.hhs.gov/home/medicaid.asp<br />
for more information.<br />
In-home care and home-health<br />
care allow someone to remain in<br />
his or her own residence while<br />
receiving varying degrees of assistance.<br />
Home-health care requires<br />
a physician to deem it medically<br />
necessary; in-home care does<br />
not. Medicaid may cover some or<br />
all in-home care costs. Medicaid<br />
waivers may be received through<br />
DAIL.<br />
Numerous national franchises,<br />
private companies, volunteer and<br />
free programs and individuals offer<br />
in-home and home-health care<br />
locally. In-home care providers<br />
offer personal care services such<br />
as bathing, meal preparation, laundry,<br />
light housekeeping, errand<br />
services, grocery shopping and<br />
companionship. They also provide<br />
live-in services with 24-hour care,<br />
respite care, health monitoring<br />
technology and private-duty nursing<br />
care. Pricing varies according<br />
to the level of service needed with<br />
a median of $18-$19 an hour.<br />
Home-health care is more expensive<br />
because it requires a medical<br />
healthcare professional who can<br />
dispense medications.<br />
The assisted living community<br />
is the bridge between in-home<br />
care and a full-service facility.<br />
These campuses or apartment<br />
complexes offer studios and oneand<br />
two-bedroom private residences<br />
with kitchens or kitchenettes<br />
for independent living with<br />
the safety net of care staff. The<br />
care staff tends to housekeeping,<br />
scheduled transportation, medical<br />
and memory-loss services. Health<br />
professionals are available 24/7 to<br />
all residents. These communities<br />
offer various amenities and entertainment<br />
events. Some offer both<br />
independent assisted living and<br />
full-facility care options. Longterm<br />
care insurance, Medicare,<br />
Medicaid and sometimes Section<br />
8 are available financing options.<br />
On average, expect to pay a little<br />
more than $2,000 a month for<br />
minimal care at independent assisted<br />
living communities.<br />
Paying For Care<br />
Government Programs<br />
Medicare, eligible for those age<br />
65 years and older, can help with<br />
costs but will not cover everything.<br />
It will not pay for most<br />
long-term care; it does not pay for<br />
custodial or personal care, which<br />
accounts for most of the cost of<br />
long-term care. However, Medicare<br />
will pay for some nursing<br />
home, hospice and home-health<br />
care under certain conditions.<br />
Medicaid is available for elderly<br />
or disabled people with low incomes.<br />
It generally covers most<br />
types of long-term care, including<br />
nursing-home care, home-health<br />
care, personal care and hospice<br />
care for those who qualify.<br />
Be sure to check with DAIL<br />
for other qualifying options and<br />
resources.<br />
Insurance<br />
Check with your or your family<br />
member’s insurance provider<br />
about accelerated or living benefits<br />
(to cash out a policy at about<br />
50 percent to 75 percent of its face<br />
value). If the issuing insurance<br />
company won’t cash in the policy,<br />
it can be sold to a third-party<br />
company in return for a life settlement<br />
or senior settlement for the<br />
same payout rate. The third-party<br />
company receives any benefits<br />
after the insured’s death instead of<br />
the original beneficiaries.<br />
The assisted<br />
living community<br />
is the bridge<br />
between in-home<br />
care and a fullservice<br />
facility.
SEPT/OCT 2 0 1 4<br />
50 YEARS AGO:<br />
Warren Commission report<br />
delivered to president; King<br />
awarded Nobel Peace Prize<br />
by Tanya J. Tyler,<br />
Editor<br />
After President<br />
John F. Kennedy<br />
was killed on Nov.<br />
22, 1963, his successor, Lyndon B.<br />
Johnson, created a commission to<br />
glean out the facts behind the assassination.<br />
The seven-man commission<br />
was named after its reluctant<br />
chair, Supreme Court Chief<br />
Justice Earl Warren. In its 888-<br />
page report, delivered to Johnson<br />
on Sept. 24, 1964, the commission<br />
concluded Lee Harvey Oswald<br />
had acted alone in the shooting,<br />
but never gave an explanation<br />
for why he did it. The report did<br />
not put to rest the questions and<br />
speculations about the assassination<br />
that continue to this day.<br />
Some say Warren suppressed key<br />
evidence, such as not allowing the<br />
other members of the commission<br />
to view the autopsy photos or to<br />
interview other possible witnesses<br />
to the slaying. Some members of<br />
the commission had doubts about<br />
the report, especially the so-called<br />
“single bullet” theory. Approximately<br />
1,100 records that have<br />
been kept from the public will be<br />
available in 2017.<br />
On Oct. 15, 1964, Rev. Dr.<br />
Martin Luther King Jr. received<br />
the Nobel Peace Prize for his work<br />
in the struggle for civil rights.<br />
Gunnar Jahn, chair of the Nobel<br />
Committee, said in his presentation<br />
speech: “[King] is the first<br />
person in the Western world to<br />
have shown us that a struggle can<br />
be waged without violence. He<br />
is the first to make the message<br />
of brotherly love a reality in the<br />
course of his struggle, and he has<br />
brought this message to all men,<br />
to all nations and races.” He called<br />
King “an undaunted champion<br />
of peace.” At age 35, King was<br />
the youngest man to receive the<br />
Nobel Peace Prize.<br />
King said he would give the<br />
prize money of $54,123 to the<br />
civil rights movement to ensure it<br />
would continue. His Nobel lecture<br />
was on “The Quest for Peace and<br />
Justice.” In his acceptance speech<br />
made on Dec. 10 of that same<br />
year, he said, “I accept this award<br />
on behalf of a civil rights movement<br />
which is moving with determination<br />
and a majestic scorn for<br />
risk and danger to establish a reign<br />
of freedom and a rule of justice.”<br />
He said he was mindful of the<br />
2 9<br />
struggles going on at the time<br />
in Philadelphia, Miss. and in<br />
Birmingham, Ala. “I must ask<br />
why this prize is awarded to a<br />
movement which is beleaguered<br />
and committed to unrelenting<br />
struggle, to a movement which has<br />
not won the very peace and brotherhood<br />
which is the essence of the<br />
Nobel Prize,” he said. “After contemplation,<br />
I conclude that this<br />
award which I receive on behalf<br />
of that movement is a profound<br />
recognition that nonviolence is<br />
the answer to the crucial political<br />
and moral question of our time<br />
– the need for man to overcome<br />
oppression and violence without<br />
resorting to violence and oppression.<br />
I accept this award today<br />
with an abiding faith in America<br />
and an audacious faith in the future<br />
of mankind. I still believe that<br />
we shall overcome.”<br />
On April 4, 1968, King was assassinated<br />
in Memphis, Tenn.<br />
ENCORE! ENCORE!<br />
Wesley Village is Kentucky’s First CCRC (Continuing Care<br />
Retirement Community), offering all levels of independent<br />
living, licensed health care and memory care in a wide variety<br />
of attractive home and apartment settings.<br />
The Encore Centre will feature:<br />
• Independent <strong>Living</strong> Apartments<br />
• Garden Terrace Suites<br />
• Indoor Warm Salt Water Exercise Pool<br />
• Café<br />
• Movie Theatre<br />
• Beauty Salon and Spa<br />
1125 Lexington Road, Wilmore, KY 40390<br />
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Susan Blankenship, Marketing Dir. 859-858-3865 ext. 227
3 0 SEPT/OCT 2 0 1 4<br />
A Prosthetics Primer<br />
Modern technology<br />
improves outlook for people<br />
living with limb loss<br />
by Abby Malik, Staff Writer<br />
According to statistics, nearly<br />
2 million people in the United<br />
States live with limb loss. Using<br />
modern technology, prosthetics<br />
have provided many of these<br />
individuals with new outlooks<br />
on the future after a life-changing<br />
accident or illness. More than 500<br />
people in America lose a limb<br />
each day, according to the national<br />
organization Amputee Coalition<br />
(www.amputee-coalition.org).<br />
This organization works to ensure<br />
amputees don’t go through their<br />
journeys alone.<br />
During Limb Loss Awareness<br />
Month this past spring, Shayne<br />
Adkins, clinical director and vice<br />
president of Hi-Tech Artificial<br />
Limbs in Lexington, discussed on<br />
WKYT the fact that 60 percent of<br />
limb loss is preventable.<br />
“With limb loss awareness, you<br />
want to take into account what’s<br />
the main source or cause of most<br />
amputations, and that’s diabetes,”<br />
Adkins said. “It’s important to<br />
realize that there are ways you can<br />
take care of yourself. It becomes<br />
that much more important to take<br />
care of your feet as a diabetic. We<br />
want to make people aware there<br />
are things you should be doing on<br />
a daily basis.”<br />
There’s no place like<br />
Home!<br />
Personal Care<br />
Respite Care<br />
Light Housekeeping<br />
Errands / Transportation<br />
Medication Reminders<br />
Meal Preparation<br />
Companionship<br />
Companies such as Hi-Tech<br />
Artificial Limbs provide comprehensive<br />
prosthetic technology for<br />
an array of individuals who need<br />
a device for a lower limb, upper<br />
limb or specialized area. While a<br />
doctor’s prescription is required<br />
before a prosthetic device can be<br />
created, Hi-Tech can provide an<br />
initial consultation without one.<br />
One question Hi-Tech frequently<br />
receives is, “Will I be able<br />
to do all the things I did before<br />
I lost my limb?” According to<br />
the company’s Website (www.<br />
hi-techartlimbs.com), the majority<br />
of people who lose a limb can<br />
get back to normal within several<br />
months. How well an individual<br />
functions depends primarily<br />
on his or her personal goals, a<br />
comfortable prosthetic fitting,<br />
good follow-up care and a positive<br />
attitude from everyone involved in<br />
the person’s recovery.<br />
Learning to use a new prosthesis<br />
isn’t a simple task. The process<br />
takes patience, strength, time and<br />
perseverance. Patients should<br />
work with a therapist to get the<br />
most out of using a new device. A<br />
therapist can help an individual<br />
learn to do many things, including<br />
taking care of the prosthetic limb,<br />
properly taking it on and off, moving<br />
on different types of surfaces<br />
including stairs, being prepared<br />
for emergencies, performing normal<br />
work, home and car activities<br />
and getting back into recreational<br />
activities.<br />
More than<br />
500 people<br />
in America<br />
lose a limb<br />
each day.<br />
According to the<br />
Amputee Coalition,<br />
250 adults lose a leg<br />
each day because of<br />
diabetes. Seven out of<br />
10 of those amputations<br />
could have been<br />
prevented.<br />
Since diabetes lowers<br />
blood flow and sensation<br />
to a person’s feet,<br />
the coalition offers<br />
a guide called “Take<br />
a Seat, Check Your<br />
Feet” for diabetics to<br />
follow in order to maximize<br />
foot health. Here<br />
are some tips from the<br />
guide:<br />
• After a shower or<br />
bath is the best time<br />
to do a foot examination.<br />
Use both hands<br />
to check for sores,<br />
scratches or lumps<br />
on the bottom of the<br />
foot because even the<br />
smallest cracks can<br />
get infected.<br />
• Check for temperature<br />
changes from one<br />
part of the foot to<br />
another. A temperature<br />
change might indicate<br />
low circulation or<br />
infection.<br />
• Look out for sores,<br />
bruises and thin, shiny<br />
or hairless skin on top<br />
of the foot.<br />
• Look between toes<br />
for redness, blisters or<br />
sores.<br />
• Check for ingrown<br />
toenails with puffy and<br />
red skin along the nail<br />
and tenderness or<br />
pain.<br />
ALLIANCE<br />
Medical Home Care<br />
3716 Willow Ridge Rd. Lexington KY<br />
859-296-9525
How to Choose a<br />
Mortgage<br />
Reaching out to right<br />
lender is important<br />
by Jamie Lober, Staff Writer<br />
Choosing a mortgage is no<br />
simple task.<br />
“Having a mortgage is an<br />
emotional process,” said Lashonda<br />
Moore, mortgage loan officer at<br />
PNC East Main Street in Lexington.<br />
“Reaching out to the right<br />
lender is the key.”<br />
Some people find the process<br />
easier than others. “It depends on<br />
what the customer’s needs are,<br />
how complex the property [they<br />
want to buy] is and what type of<br />
loan you are doing,” said Moore.<br />
SEPT/OCT 2 0 1 4<br />
Prequalification is the best way<br />
to start. “Getting a pre-qualification<br />
is always the first step into<br />
purchasing a home,” Moore said.<br />
“It lets you know exactly how<br />
much money you qualified for.”<br />
There are several different types<br />
of loans. “You have rural housing<br />
loans, conventional mortgages,<br />
FHA mortgages, VA loans,”<br />
Moore said. “They are personalized<br />
for the customer’s needs.”<br />
The duration of the mortgageprocuring<br />
process varies with<br />
every scenario and every person.<br />
“The majority of the time it takes<br />
30 days to close a mortgage,”<br />
Moore said. “If you are looking at<br />
government loans and rural housing<br />
loans, it can be up to 60 days<br />
to close. The VA loans can possibly<br />
be around 45 days to close.”<br />
If you have the correct information<br />
at hand when you begin, you<br />
can make things go smoothly.<br />
“You want to make sure you are<br />
prepared as far as the documentation<br />
you might need,” said Moore.<br />
“You always want have your last<br />
two years of tax returns, your last<br />
two years of W2s, 30 days’ worth<br />
of pay stubs and two months of<br />
bank statements.” Most people<br />
want to know up front how much<br />
house they can afford to buy.<br />
With this documentation, a credit<br />
report and an examination of<br />
liabilities and debt, a qualified<br />
mortgage banker can determine<br />
that information.<br />
Everyone is their own best<br />
judge of when they are ready to<br />
purchase a home. “As a mortgage<br />
lender, you never want to put<br />
3 1<br />
someone in the position where<br />
they cannot afford to make a<br />
house payment, so you have to<br />
sit down and have a conversation<br />
with them,” said Moore. “Knowing<br />
how to save and what to do to<br />
be qualified for a house is important,<br />
and sitting down with a<br />
mortgage banker will help you get<br />
on the right track. Find someone<br />
that you work well with.”<br />
A competent mortgage lender<br />
will usually talk about expenses,<br />
including the amount of the down<br />
payment you will need. “A down<br />
payment of 5 percent conventional<br />
usually is the route that most<br />
people will go,” said Moore. The<br />
best strategy is to start saving as<br />
soon as possible.<br />
The benefits of homeownership<br />
are enormous. There are no disadvantages.<br />
“You are building equity<br />
in a home, and having a house is<br />
the American dream,” said Moore.<br />
CMS continued from Page 17<br />
drugs are nearly always covered under the Medicare hospice benefit.<br />
On behalf of the hospice providers across Kentucky and the patients they<br />
serve, KAHPC would like to sincerely thank the Kentucky Members of<br />
Congress who co-signed the letters to Administrator Tavenner. Because of<br />
your support, hospice patients can now rest a little easier.<br />
DOWNSIZE continued from P. 21<br />
locked during the sale. If it is an estate sale and items you wish to<br />
keep have been removed, then holding the sale in house would be an<br />
exception.<br />
• Price every item. If you do not know prices, ask a professional.<br />
• Keep your cell phone handy in case of trouble.<br />
• Check with the city or your homeowners’ association to see if a<br />
license is needed and for signage regulations.<br />
• If you are undecided about selling a particular item, don’t. Once an<br />
item is gone, it can never be recovered. So go slow – no quick decisions<br />
here. Decide well before the sale what you will need to keep or<br />
want to sell. Put a tag on keepers. It is easy to forget which items you<br />
decided to keep, give away or sell.<br />
HEADACHE continued from P. 22<br />
your headaches. “The main focus is to reduce the intensity, the strength or<br />
the duration of the headache such that it does not affect the patient,” said<br />
Kapoor. “If you do not respond to medications or the headaches come on<br />
suddenly and are associated with changes in vision or you are not feeling<br />
well, you should get a prompt evaluation.”<br />
The best thing you can do is take good care of yourself. “Consider a<br />
good, healthy lifestyle [and] dietary factors,” said Kapoor. “Exercise generally<br />
does tend to help people.”<br />
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