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Dementia Symptoms: Episode 095

Ana González Seda on Early Dementia SymptomsOne in three people over the age of 65 in San Diego have dementia. Today we are talking about dementia symptoms.

Ana González Seda is the Program Director for the San Diego/Imperial Valley Chapter of the Alzheimer’s Association.  Her position is instrumental in providing face to face and online education and programming for caregivers, people living with Alzheimer’s Disease and other dementias. Ana has been working in the non- profit sector for leading health organizations in San Diego for over 15 years.

I asked Ana to come on the show to tell us about dementia symptoms. If you have a parent or loved one that gets diagnosed with Alzheimer’s, I  want you to know what to expect.

If you lose your keys, that is not a sign of dementia. But if you find them in the refrigerator, that could be a sign of dementia

What are the early signs and symptoms of Dementia?

  1. Memory Loss that disrupts daily life
  2. Challenges in planning or solving problems
  3. Difficulty completing familiar tasks at home, at work, or at leisure
  4. Confusion with time or place
  5. Trouble understanding visual images and spatial relationships
  6. New problems with words in speaking or writing
  7. Misplacing things and losing the ability to retrace steps
  8. Decreased or poor judgment
  9. Withdrawal from work or social activities
  10. Changes in mood and personality

If you would like a copy of our freebie, 10 Early Signs and Symptoms of Alzheimer’s, go to http://rockyourretirement.com/dementia this gives more detailed information on dementia symptoms.

Contact information:  alz.org  * 800-272-3900- Master level consultants with extensive training regarding dementia. They can help with short term and long term planning.

If you are interested in learning more about Trial Match go to alz.org/trialmatch

This post about retirement and Retirement Lifestyle first appeared on http://RockYourRetirement.com

Avoid an Unhappy Retirement: Episode 094

Hank Coleman on how to avoid an unhappy retirementI interviewed Hank Coleman on how we can avoid an unhappy retirement

Hank Coleman founded several popular personal finance websites such as Money Q&A, Own The Dollar, Military Money Might, The Dividend Pig, and many others.  He is a freelance writer. Hank focuses on personal finance topics such as savings, investing, retirement, and many other money topics. I asked Hank to come on the show to talk about his parents and how much they hated the reality of retirement.

It’s never too early to plan for retirement

Hank has never spoken with his parents about their retirement, however, as an only child, who visits often, he can see that their retirement isn’t as amazing as they thought it would be. His parents had a grandiose idea of what retirement would be like, but when reality set in, it wasn’t as good as the dream they envisioned.  I talk with him about his parents’ retirement over the past 10 years and what he thinks went wrong. For Hank, it was heartbreaking to watch.

So what are Hank’s tips on how to avoid an unhappy retirement?

  1. Make sure your spouse knows your retirement dream. Many husbands and wives don’t talk to each other about what they want to do during retirement. Maybe they don’t want to do anything at all. Having a successful retirement starts with communication.
  2. If you can, plan a mini-retirement before you retire. Hank recommends taking a few weeks off and act like you’re retired. Have you ever dreamt of writing a book during retirement? You may want to consider taking your idea for a spin. You’ll never know if you have what it takes to live the retirement of your dreams unless you try it out
  3. You need a plan for your retirement. Now isn’t the time to start winging it.  The key to a perfect retirement is to have a plan and share with your loved ones.
  4. Don’t be too firmly rooted in your plan. Be open to flexibility as situations and circumstances do change
  5. Before you retire, you should look at how much money you’ll need in retirement. There are several useful online calculators that can show you a quick view of what your retirement will look like.

Contact information for Hank: Email: hank@moneyqanda.com * Website: http://moneyqanda.com

This post about retirement and Retirement Lifestyle first appeared on http://RockYourRetirement.com

Stages of Life with Ted Carr: Episode 093

Stages of Life Image for Ted CarrTed came onto my show as a guest to talk about stages of life, namely the 6 stages of retirement. Mr. Carr is a podcaster himself, with the show, Retirement Journeys, which discusses similar topics as this show, but he also includes financial topics on his show.

In case you’re wondering, the stages of life (retirement life) include:

  • Pre-retirement
  • Retirement
  • Disenchantment
  • Reorientation
  • Retirement Routine
  • Termination of Retirement (death)

Ed was young (mid-50s) when he retired in 2010 from a biotech company in San Francisco.  Because so many people had asked him how he was able to retire so young he decided to take his story online.

Let’s look at some of these stages of life that Ted went through:

Pre-retirement:

This is the time while you are working that you are saving and investing for the time when you will be able to stop working.  Ted did a good job at this, or he wouldn’t have been able to retire in his mid-50s.  Many people don’t plan far enough in advance, for whatever reasons, and so the other stages of life become more difficult for them.  However, that’s not what the Rock your Retirement show is all about so we’ll let you reach out to your financial adviser for help with this.

Retirement:

This is fun for most, but can be the shortest stage of life (retirement life) for many.  That’s because it’s really only a day, a week, a month, or six.  A retirement date.  The retirement stage of life is the party.  You may go out to dinner with your work buddies.  Or you might have a cake on your last day of work.  The parties, balloons, and dinners have become a rite of passage for our actual retirement date.

It can be a second “honeymoon” where you hike, garden, bicycle or create art.  Many people read or catch up on their yard work.

Ted took the “honeymoon” path when he first retired, and he describes this in his blog:

“After I retired in May 2010, I took the “honeymoon” path. In Retirement Journeys, I refer to this as “Arriving in Retirement”, a bridge from work life to retirement life. My wife and I moved from the Bay Area to Arizona in June 2010. Our first few months were spent settling into a new house and community. We had many home improvement projects to work on. We returned to the Bay Area frequently. When I look back at our calendar, I am reminded of the variety of ways that we spent our free time. We attended financial seminars, concerts, car auctions, baseball games and community-based meetings. In May 2011 we bought hybrid bikes and began riding once or twice a week”.1 

But there is only so much hiking, gardening, and bicycling you can do. So that led Ted to the next stage of retirement:

Disenchantment:

This is the letdown stage of life.  The honey moon is over.  It’s when many retirees become depressed. They can feel lonely, bored, useless, and disillusioned.  When they were working, people returned their phone calls.  People respected them.  Now, in this stage, many feel disrespected.

It’s this stage of life that the Rock Your Retirement show tries to help out.

Ted went through this stage too, as we discussed in the interview.  In 2011 he started worrying about whether he had made the right decision.  He didn’t feel productive and started writing in his journal to vent. For many, when they hit this stage, marriage problems can ensue.And it was affecting Ted’s marriage.  So he  looked at some preemptive steps:

  1. Volunteer
  2. Work
  3. Meetup
  4. Deeper Confrontation

Because Ted had started the look inward in this stage of life, he was able to progress to the next stage of life called re-orientation.

Reorientation:

Not everyone gets to this stage.  In order to get through it, you need to re-examine your role in life.  You need to ask yourself what your new purpose in life is.  And you need to find out if you are still useful in some way.  Ted had to answer the question, “Who am I, now?”

Before he could answer that question, Ted took inventory of his life.  He needed to find out why he was so unhappy.  Was it missing his paycheck? Missing the actual work itself?  What was it?

In Ted’s case, he discovered that he had negative feelings toward his alcoholic father.  He read the book, Forgiveness is a Choice, by Robert D Enright. He worked through its exercises.

Ted started volunteering at a local museum.  It gave him purpose and responsibility.  This helped him ease into the next stage of life, retirement routine.

Retirement Routine:

Mr. Carr calls this “Retirement 2.0”  This is where you are living a comfortable and rewarding lifestyle.  It can mean a daily run, volunteer time, or whatever your daily routine is.  For Ted, it means working on his podcast, his blog, and his volunteer work.

Retirement Termination:

Thank goodness Ted hasn’t reached this stage, but he lives by the quote, “Dream as if you’ll live forever. Live as if you’ll die tomorrow.”  James Dean

Ted Carr can be reached at www.retirementjourneys.com

 

  1. The 6 Stages of Retirement – Retirement Journeys, The 6 Stages of Retirement, http://retirementjourneys.com/2015/07/the-6-stages-of-retirement/

Retirement as a surviving spouse: Episode 091

Ann Nelson talks about Retirement as a surviving spouseLife is a journey. Lot’s of retirees think about retiring as a couple. But what about retirement as a surviving spouse?

In this interview, I talk with Ann Nelson. After suddenly finding herself a widow in 2009, Ann needed to learn – and fast – about finances, survival, and ultimate retirement. Ann is the author of Retire Well, Retire Happy. On her journey, she has found that in the end, it is not all about the money. Living a happy and worthwhile life is extremely important. Her book is about how she navigated through the retirement maze and found her way after being left a widow.

In 2009, Ann was semi-retired but still working part-time flipping houses with her husband when he passed away.

Ann knew she had to figure out her retirement as a surviving spouse

We talked about the very sudden and surprising passing of her husband who had a heart attack at the dinner table. This was the catalyst for the following chain of events in her life:

  • She found herself making burial and funeral arrangements
  • Anne had to continue renovating homes herself. She worked for about a year before fully retiring. She did find working helped keep her mind busy.
  • Then she also realized she had to learn how to sort out finances due to her husband’s death

It wasn’t until she went back to her and her late husband’s home town, she began to grieve.  You have no control over grief and you have to allow yourself the time to grieve. Even though it’s been over 8 years since her husband passed she still grieves sometimes.

She had to reimagine herself and where she was going since her life had changed so much

Ann has been keeping herself very busy in her retirement. She is writing and has her own podcast. Ann is also a retirement consultant and has taken courses to learn about investing.

She is also a member of a variety of groups:

In her book she not only talks about the investing and finances in retirement, she also talks about being happy in retirement. (You know I LOVE that!) The non-financial aspects of retirement such as traveling, learning and living arrangements.

Her book is called Retire Well, Retire Happy and can be found on her website: http://www.annnelson.com.au/

Ann’s advice: Unless you are involved in outside activities, retirement can be a struggle. Prepare for retirement as a couple but also prepare and think about retirement as a surviving spouse.

This post about retirement and Retirement Lifestyle first appeared on http://RockYourRetirement.com

Organizing Your Home: Episode 088

Lisa Woodruff talks about organizing your home

I talk with Lisa Woodruff about organizing your home

Lisa Woodruff believes organization is not a skill you are born with. It is a skill that is developed over time and changes with each season of life. She has helped thousands of women reclaim their homes and finally get organized with her practical tips, encouragement, and humor through her blog and podcast at Organize365.com.

Got clutter? I Do.

I am the “queen of clutter” or, as Lisa put’s it, “I have a hard time separating the memory from the object”. Makes perfect sense right? Since listening to Lisa’s show, I have been making progress. I am a HUGE fan of Lisa’s show and wanted YOU, my listener, to be able to learn tips on organizing your home.

Paper.. how to deal with all of the paper!

When you look at a stack of 100 sheets of paper, you think that is 100 different items that you need to deal with. Lisa looks at your stack of 1000 pieces of paper and she knows that there are no more than 8 categories in that stack of paper and she can go through it super quickly. Lisa gives an amazing tip on how to go through the archived paper. You know, the mounds of paper you have in your filing cabinet or scattered all over your desk, or taking over your kitchen table..that paper. Using Lisa’s method, you can be completely through an entire filing cabinet in just a few months.

The Sunday Basket

The Sunday Basket is a system for processing mail, kitchen counter “to do” papers, and ongoing household projects.

Some examples of things you might put in the Sunday basket are:

  • Mail
  • Receipt for some prescriptions that you picked up
  • The dry cleaning ticket
  • The little card you get from the doctor’s office telling you it’s time for your next visit
  • A birthday card you bought for your granddaughter
  • Let’s say you planned on re-hanging some pictures and you went and got command hooks. You would put those in there.

The rule is that you pick a day of the week (Lisa does hers on Sunday) and you take every single thing out of the basket. You then ask yourself one question; can this wait until next Sunday?  If the answer is yes, the item goes back in the basket. If the answer is no, it is left out to be taken care of. She even suggests making a Sunday basket for your spouse or for your loved one that you are caring for!

Lisa gives so many tips on organizing your home in this interview there is no way I could write them all here. If you have any great ideas or tips on organization feel free to post them in the comments below!

Lisa’s Books: The Mindset of Organization, Take Back Your House One Phase at a Time

If you would like to contact Lisa you can email her at lisa@organize365.com or you can go to her website https://organize365.com/

Or you can check out her virtual Sunday Basket Classes at https://thesundaybasket.com/

Websites mentioned in this interview: Zoom

This post about retirement and Retirement Lifestyle first appeared on http://RockYourRetirement.com

Documents we need to have a great retirement: Episode 73

Photo of Karin Schumacher Episode 73

I asked Karin to come on the show to talk to us about the documents we need to have a great retirement.

Karin Schumacher has been an attorney since 2001. She is regarded as compassionate, accomplished, and dedicated at Elder Law & Advocacy, Legal Aid Society, and San Diego Volunteer Lawyer Program. She has effectively served over 12,000 clients.

She talks about her grandfather who was a very “well to do” business owner. (He owned 3 auto supply stores). At the time he passed away in 1975, he had over ten million dollars. He wanted his children and his grandchildren to receive that. The problem was that unbeknownst to him, the Corporate Trustee he used, did not have his best interest at heart. All of his hard earned money had been squandered. Now in 1975, there was far less oversight on Corporate Trustees and a lot fewer regulations than there are now.

Put these documents in place BEFORE they are needed. Also update or review them on a regular basis because life events and circumstances change frequently.”

Karin goes over each of these in greater detail during the interview.  Below, is the list of documents we need to have a great retirement:

  1. Advanced Healthcare Directive- This is basically your end of life wishes. It is a 55-page document that goes over your medical wishes should you become incapacitated.
  2. Power of Attorney (Springing or Immediate) Springing POA- Only takes place upon incapacity. Immediate- Be cautious here because the moment you sign an immediate POA, the power goes to the agent. However, a POA is one of the documents we need to have a great retirement.  Kathe likes the Springing kind.
  3. HIPAA Release (Health Insurance Portability and Accountability Act) – Prohibits Healthcare providers from releasing information unless you have completed a HIPAA  release form.
  4. Trust- If you own a home and or assets in California above $150,000 then a Trust will assist in avoiding probate.
  5. Will – If you are distributing assets by other means and don’t own a home, then be sure to create a will.

To get today’s Freebie, What Documents Do I Need Before I Become Incapacitated, go to http://rockyourretirement.com/Incapacitated

Contact Information for Karin: www.AfsarEstatePlanning.com

Special Thanks to:

  • Angie Strehlow who helps us get great guests that help us with our retirement lifestyle while keeping everything on track…and helps with these show notes!
  • Les Briney, my husband, and Danny Ozment of Emerald City Pro who edits the show and makes my guests and me sound terrific
  • Henry Shapiro, host of Retired Excited that airs on Fridays
  • YOU for telling your friends about the show, leaving comments below, and sharing episodes you really like on Facebook, and reviewing the show on iTunes

This post about retirement and Retirement Lifestyle first appeared on http://RockYourRetirement.com

*Rock your Retirement discusses retirement issues, but neither Rock Your Retirement nor Kathe Kline provides legal advice.  Please be sure to consult your own attorney.