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Jul 222017
 

(NC) It can be tough juggling medical appointments, care and treatment options when you or a loved one is

“My diagnosis with advanced cancer has brought my family even closer together. They’ve been right by my side this whole journey,” says Lyall Woznesensky. (Photograph by John Lehmann)

struggling with an acute or chronic illness. But research shows a strong support system is crucial for better physical and mental health.

As a former CFL defensive lineman, Lyall Woznesensky thought he knew how to be strong. He’d played one of the toughest games in sport over eight seasons with six different CFL teams across Canada. But when he was diagnosed with advanced cancer in January 2016, Woznesensky realized that the type of strength he needed to face this challenge wasn’t just physical, it was mental and emotional too. And he couldn’t face it alone.

Since his diagnosis, Woznesensky has leaned on the support and positivity he gets from his two sons, siblings, former CFL teammates and especially his wife of 29 years, Debbie.

“My wife is only 5 foot 3, but she’s stronger than me. She’s the pillar of our family. She keeps my two boys strong and me strong even though she’s gone through a lot,” he explains.

The good news is that although the number of newly diagnosed cancer cases in Canada is increasing, survival rates are also going up. Overall, the five-year net survival for Canadians diagnosed with cancer is around 60 per cent, up from 53 per cent in previous decades.

Woznesensky is one of the growing number who are outliving their cancer diagnosis. He recently received good news from his doctor who said his cancer has receded.

Recently profiled in CancerChanged, a photo-documentary series that celebrates those who are living longer with advanced cancer, Woznesensky shares his journey to bring hope to others dealing with a challenging diagnosis. Read more about his story and others online at saveyourskin.ca/conected.

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Jul 202017
 

(BPT) – Retirement is the time in your life when you can throw off the shackles of your daily responsibilities and truly enjoy the fruits of everything you spent years working toward. It’s an empowering feeling and you’ve earned it. You’ve planned and you’ve saved, but now that you’re here, don’t make the mistake of believing your financial planning is over.

In fact, in some ways, it has only begun.

Continuing to support your financial strength in retirement

On the day you enter retirement, your financial focus shifts, but its importance doesn’t diminish. As a retiree, taking an annual review of your finances is more important than ever. You deserve to live the retirement you want. To be sure your finances are up to the task, here are a few specific items to review in your annual post-retirement financial checkup.

1. Life expectancy

When you first created your retirement plan, you likely discussed an end-of-life age with your adviser that you could use as a benchmark and plan toward. Now it’s time to revisit that age again and take an objective look in light of your overall health and any existing conditions you may have. And don’t be surprised if you find out you’re poised to live far longer than you expected all those years ago. It’s great news, but it also means you must adjust your finances accordingly.

2. Life insurance

Look at your life insurance policy. You should take the time to determine if it is still needed or affordable now that you’ve entered retirement. As you review your life insurance policy, you may determine you don’t need it anymore because your children are no longer dependent on you and you have minimal outstanding debts. You may also find that the premiums have increased in recent years and the policy is too costly to maintain. If this is the case, you may want to sell it. It’s one less financial burden you need to worry about, and the influx of additional cash will be a welcome surprise.

It’s important to remember that your life insurance policy is your own personal property and you have the right to sell it, just as you would any other financial assets or physical possession. The sale of your policy to a third-party investor is known as a life settlement transaction, and selling the policy could bring you as much as seven times the amount you would earn for surrendering it. Typical candidates for a life settlement transaction are age 70 or older with a policy of $100,000 or more, according to the Life Insurance Settlement Association (LISA).

3. Asset allocation

During your working years, you probably reviewed your assets several times, and you may have even done some rebalancing to ensure you had the right mix of bonds, stocks and cash in your financial portfolio. But this practice doesn’t end simply because you’ve entered retirement. Look at your assets and take the opportunity to rebalance — just as you did during your working years — to ensure your money is meeting both your short-term needs and your long-term goals.

4. Home equity

Your home is often your most valuable asset. If you own the home where you live, take a moment to assess the amount of equity you have tied up in it. This may be the perfect time to downsize. You could also consider a reverse mortgage, which would allow you to convert some of the equity in your home into cash you could use for other needs. The money you acquire through a reverse mortgage or through the sale of your home via downsizing could then be used to invest in a fixed-income investment — such as annuities or bonds — that will provide ongoing income.

Enjoy retirement on your terms

Your working years may have ended, but your financial management is ongoing. Whether you manage your money yourself or you work with a financial adviser, take charge of your retirement by revisiting your assets and your options. Remember, you’ve worked hard for your retirement, and with a few small changes along the way, you have the ability to make it even greater.

To learn more about life settlements, how they work and whether you’re eligible, call 888-521-8223 or visit the LISA’s website at www.lisa.org.

Jul 172017
 

(BPT) – Summer break is an American institution, and that midyear break is often best enjoyed through travel. This year is no different; in fact, many experts expect this year’s summer travel season to be among the busiest ever. That is particularly true when it comes to air travel.

According to research from Airlines for America, a record 234.1 million passengers are expected to travel by air this summer on United States-based airlines. That figure represents an increase of 4 percent over last year.

So why are so many people taking to the skies? Below are five reasons air travel is going to be hot this season. They might just motivate you to go and book your trip.

* More disposable income. An increase in the United States’ gross domestic product, coupled with a lower unemployment rate, means more Americans have disposable income they can use to travel. Trips that were once considered road destinations are now being targeted for flights, allowing travelers to spend more time at their final destination and less time trying to get there.

* Increased entertainment options. The days of planning to simply sleep on a plane are over. Travelers now have access to fast, consistent and global in-flight Wi-Fi with Inmarsat’s GX Aviation, powered by Honeywell’s JetWave hardware so they can stream their favorite Netflix shows, YouTube videos and even use Facebook Live. This advancement provides high-speed, in-flight Wi-Fi with the reliability travelers are used to having at home or in the office. And best of all, this Wi-Fi is the first service to span the globe, meaning you can stay connected traveling at 35,000 feet around the world.

* Reduced travel expenses. Air flight used to be seen as a luxury expense, but that is no longer true. Improved airline efficiency and increased competition in the market have sent the price of airline travel down for several years. The reasonable price of crude oil has also helped keep airfare a much more affordable option for summer travels than it was even five years ago.

* A more comfortable, reliable flight. A flight delay or turbulence can start any summer trip on a negative note. According to a recent survey by YouGov, 47 percent of U.S. adults who’ve flown in the past 12 months are most frustrated by late arrivals or departures while 35 percent said on-time arrivals and departures would make them most excited to fly again. Improved technology is reducing those risks while making the entire flight more comfortable. Honeywell’s GoDirect Weather provides data that pilots can access through a mobile app to find real-time weather reports along their flight path. GoDirect Weather also provides crowd-sourced, real-time weather data that’s shared from other planes flying in the sky. Pilots can then use this data to adjust their flight paths in response to the conditions they will face, meaning fewer flight delays and a safer, smoother flight for travelers.

* Still the safest way to travel. You’ve heard the statistics that you’re more likely to suffer a fatal collision on your way to the airport than in the air, and it’s true. Every year, the number of fatalities associated with flying dramatically pales in comparison with driving, and this trend is expected to continue. New flight technologies introduced every year are helping pilots avoid bad weather and overcome maintenance problems that can cause airline accidents, resulting in an increased number of safe, uneventful flights. So plan your vacation with a flight in mind. It’s a secure, quick way to make the most of your summer trip this year.

Read more about Honeywell Aerospace on the Follow the Aero blog.

Jul 152017
 

(NC) Getting healthy can sometimes feel like an impossible feat, and you don’t always know where to start. It’s important to begin with simple steps that will become habits. Before you know it, they will be a part of your everyday routine and you’ll see benefits soon.

  1. Keep hydrated. Drinking the recommended eight glasses of water a day helps your body function properly. It keeps you hydrated and eliminates toxins. Take a reusable water bottle to work and keep it on your desk as a reminder to sip throughout the day.

  2. Eat colourful food. The more colourful the foods you choose are, the more likely they’ll be packed with vitamins, antioxidants and minerals. For example, adding one serving of vibrant yellow Zespri SunGold Kiwifruit to your daily diet provides all your vitamin C needs and as much potassium as a medium banana. Cut and scoop SunGold kiwis for a tropical sweet snack or pair them with other colourful foods for a nutritious meal.

  3. Add exercise to your day. Everyone has their own preferences when it comes to working out — some like yoga classes, others prefer visiting a gym, some like a long walk after dinner. Discover what works for you and add it to your day in the timeframe that suits your schedule. Remember, if it feels like a chore, it will be harder to build into your regular routine.

  4. Rest up. Silence your phone and get a good night’s sleep. Getting seven to eight hours of sleep is proven to help your overall well-being. It is important for maintaining hormonal balance, increasing cognition and memory, and aiding in digestion.

  5. Repeat. Repetition is key to maintaining a healthy lifestyle. The more you incorporate healthy habits into your everyday, the easier it will become.

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Jul 132017
 

(NC) Through the touch of a button and the click of a mouse, we can now make countless decisions and transactions in the privacy of our own homes without speaking to anyone. However, nothing quite replaces a relationship with a professional who knows more about a product or service than you do. In a recent survey, over half of Canadians indicated that they do not have a relationship with key professionals. Take a look at how these people can help you.

Lawyer. Useful for more than just suing somebody, lawyers can help you to prepare a will, purchase property, or set up a family trust.

Insurance Advisors. Chartered Insurance Professionals (CIPs) can help you figure out the small print in your home insurance policy to make sure you’re protected against floods, fires and other disasters; yet only 26 per cent of Canadians have a relationship with a CIP. They can give you the peace of mind that should the unexpected occur, you’ll be covered and supported.

Bankers. Online banking has eliminated the need for a personal banking relationship for most people. But working with a trusted banker can be helpful when applying for a loan or mortgage. Bankers can explain in simple terms the ins and outs of interest and other conditions of the loans, as well as answer all your questions on the spot.

Accountant. Tax season happens once a year, but 71 per cent of respondents indicated they don’t have a professional relationship with an accountant. Accountants can help you ensure you are filing your taxes correctly, and haven’t missed any boxes or claims.

Financial Advisor. These money experts are the professionals with whom most respondents said they have a relationship. They can assist in investments, business advice, and planning for your kids’ education or your retirement.

Find more information at beassured.ca.

www.newscanada.com

Jul 102017
 

(BPT) – When was the last time you and your doctor talked about your hearing?

The fact is, only about 3 in 10 adults who had a physical exam in the last year say it included a hearing screening, according to research conducted by the Better Hearing Institute (BHI). That’s a shame, because research shows that hearing health is more closely tied to whole health and quality of life than previously understood — which means that diagnosing and treating hearing loss early may be beneficial on many fronts.

To help people take charge of their hearing health, BHI has created a free digital flipbook, “How to Talk to Your Doctor About Hearing Loss,” which anyone can view and download at www.betterhearing.org/news/how-talk-your-doctor-about-hearing-loss.

The flipbook provides pertinent information to help consumers start the discussion, which is especially important because research shows that patients are more likely to initiate the conversation about hearing than their doctors are.

To go along with the free flipbook, BHI has put together this short list of reasons to speak up and start the conversation on your hearing:

1. Hearing loss has been linked to other significant health issues. In recent years, a flurry of studies has come out showing a link between hearing loss and other health issues, including depression, dementia, cardiovascular disease, diabetes, moderate chronic kidney disease, rheumatoid arthritis, sleep apnea, obesity, an increased risk of falls, hospitalization and mortality, and cognitive decline. With so much new and emerging research, it makes sense for people to talk with their doctors about their hearing as a routine part of their medical care.

2. Addressing hearing loss often has a positive impact on quality of life. Most people who currently wear hearing aids say it has helped their general ability to communicate, participate in group activities and their overall quality of life, according to BHI research. The research also shows that people with hearing loss who use hearing aids are more likely to be optimistic, feel engaged in life, get more pleasure in doing things, have a strong social network and are more likely to tackle problems actively. Many even say they feel more confident and better about themselves as a result of using hearing aids.

3. Leaving hearing loss untreated may come at a financial cost. Most hearing aid users in the workforce say it has helped their performance on the job. In fact, BHI research found that using hearing aids reduced the risk of income loss by 90 to 100 percent for those with milder hearing loss, and from 65 to 77 percent for those with severe to moderate hearing loss. People with untreated hearing loss can lose as much as $30,000 in income annually, the BHI research found. Health care spending may also be affected. For instance, middle-aged adults (55-64) with diagnosed hearing loss had substantially higher health care costs, according to a study published in JAMA Otolaryngology–Head & Neck Surgery, indicating that hearing loss may place patients at risk for increased health care use and costs. The study authors suggested that early, successful intervention may prevent future hearing-related disabilities and decreased quality of life.

For more information on hearing loss, visit BetterHearing.org.

Jul 062017
 

(NC) No matter what the size of your estate, every adult should have a will, say specialists in this field. Without one, you risk leaving the distribution decisions to an impersonal formula, with the government writing the terms.

A valid will ensures that your property will be dealt with according to your wishes and with a minimum of complications and expense for your estate. Without a will, your spouse may not receive as much as you would wish, your heirs will receive fixed percentages, regardless of their needs, and a court appointed administrator will handle your affairs. In making a will, it is important to give careful thought to what persons, needs or organizations you would like to benefit. It is best to consult a lawyer or notary to ensure your will is properly drawn up. This is much less expensive than most people imagine.

Here are 10 reasons for drafting a will:

  1. It’s your property: A will guarantees that your assets will be distributed according to your wishes.

  2. Children/Grandchildren: A will provides for the care of any children who are minors, enabling you to choose a guardian. Should both parents die, it assures the children do not become a ward of the Court.

  3. Speedy settlement of affairs: Without a will, lengthy court delays could create undue hardship for your family.

  4. Estate planning: When skillfully drafted, a will allows you to incorporate tax-saving measures and avoid unnecessary taxes, resulting in increased funds for your beneficiaries.

  5. Simplified distribution of your estate: By providing a blueprint and a list of directions, families will not have to guess about what you wanted.

  6. Peace of mind: A certain peace of mind comes from knowing that you’ve drafted a will that sets out your true intentions.

  7. Questions of capacity: If a person loses mental capacity, it’s not legally possible to write a will.

  8. Supporting your favourite causes: A will assures that you can continue to help organizations you have believed in during your lifetime, such as a health, education or sports charity, or an human rights organization like Amnesty International.

  9. Relieving any burden on your family: Reviewing the contents and nature of your estate and making known your decisions ahead of time for its disposition makes it easier on all family members.

  10. Ability to be creative: There are relatively few rules that limit a testator’s (person who writes a will) ability to make creative, thoughtful dispositions of property.

Write for a free information package on wills and bequests to Amnesty International, 312 Laurier Avenue East, #315, Ottawa, Ontario K1N 1H9.

www.newscanada.com

Jul 032017
 

(NC) If someone were to look at your bank statement, what would they learn about you? Do you eat out often? What about emotional spending or group purchases? Taking a closer look at your spending habits can be eye-opening, and it can also help you rethink your purchasing priorities. Here’s how to decode what your bank statement signifies:

What your priorities are. If most of your monthly expenses go to organic groceries, then you likely value healthy eating. If what matters most to you is going out with friends, then your bank statement will reflect that. Make sure you are spending your money on what’s important to you.

How you value things. As a consumer, you always have the choice to put something back on the shelf because you feel it’s not worth the price. But when you buy something, you are basically dictating its worth. Looking back at your bank statement, was everything you purchased worth what you spent?

How you’re feeling. Did you resort to retail therapy last month? In moderation, emotional spending can be healing. But be careful as these expenses can add up. Try leaving your credit card at home and consider using your debit card instead. By using the money you already have, it’s easier to track your spending in real time.

How organized you are. Do you hate the hassle of withdrawing cash or writing a cheque? Do you prefer to pay for rent or split a group gift purchase through your online banking? Interac e-Transfer is a safe, efficient payment solution and is a great option for keeping track of your expenses. Additional features rolling out soon, like Request Money and Autodeposit, will make your life even easier.

Learn more at www.interac.ca.

www.newscanada.com

Jun 292017
 

(BPT) – Pancreatic cancer is one of the most deadly cancers, with a mere 29 percent one-year survival rate. In 2016, pancreatic cancer became the third leading cause of cancer death in the United States, surpassing breast cancer.
The time frame between diagnosis and death is often short. Only 7 percent of people diagnosed with pancreatic cancer survive five years. This is incredibly small compared to prostate cancer or breast cancer, where more than 90 percent of patients survive for five years after diagnosis.
“Most people are unaware of how deadly pancreatic cancer is,” says Jim Rolfe, president of Rolfe Pancreatic Cancer Foundation. “These chilling statistics can serve as an eye-opener that motivates people to learn more about their risks and contact their health care professional.”
Early detection is important
Although pancreatic cancer is one of the most deadly cancers, early detection can significantly impact survival rates. The five-year survival rate for pancreatic cancer approaches 25 percent if cancers are surgically removed while they are still small and have not spread to the lymph nodes.
Know your family, know your risk
Family history is a risk factor for pancreatic cancer. When you know more about your genetics and which members of your family have been affected by pancreatic cancer, you can better manage your own health.
To make the process easier, the Rolfe Pancreatic Cancer Foundation has introduced a new series of online tools. Visit www.KnowMyRisk.org to download a worksheet and access other helpful tools that let you explore your family history and become your own health advocate.
Print out the worksheet and call or visit your grandparents, parents and other extended family members. You may not be aware that someone a few generations removed from you was affected by cancer. Having this conversation can be empowering, because once you know your risks you can take charge of your future.
Consider genetic counseling
When considering how personal a cancer or disease diagnosis can be, it is no surprise that medicine is looking at our DNA to uncover information. This makes genetic counselors an important part of the health care team, helping you ask the right questions and uncover familial genetic risk factors.
If you learn you have a history of pancreatic cancer in multiple family members, you should consider meeting with a genetic counselor to assess your level of risk. From there, the counselor and your doctor can decide on a course of action.
To learn more about genetic counseling and find a local certified genetic counselor at the National Society of Genetic Counselors’ database, visit www.KnowMyRisk.org.
Take charge and be empowered
“Don’t take a backseat when it comes to your health,” says Rolfe. “The first step toward early detection of pancreatic cancer is understanding your family history. From there, you can make informed decisions that help you live a full, healthy life.”

Jun 272017
 

By [http://EzineArticles.com/expert/Richard_Hsu/2352442]Richard Hsu

Nowadays, air travel is no longer as fun and inexpensive as it used to be since 911, thanks to tighter airport security checks. This is especially true for senior travelers with limited mobility challenges. Enhanced security measures will require you to do some simple planning in advance that can make your air travel more enjoyable, healthier, and cheaper. Here are some tips to help you achieve those goals:

  1. Book a direct (non-stop) flight whenever possible. This will eliminate the trouble and stress of maneuvering through a crowded airport and possibly missing your connection due to delays with the originating flight.

  2. Make your flight schedule known to friends and family members who drop you off or pick you up. If possible, provide specific instructions, such as the exact date, time, and location to meet you.

  3. Take advantage of airline assistance. Notify your airline ahead of time if you require a wheelchair or other types of help to and from the plane. Airline staff can assist you in getting your baggage and finding your connecting flight.

  4. Allow yourself extra time to arrive at the airport as well as to find your security entrance and departure gate.

  5. Pack important travel items with your carry-on in case your checked luggage gets lost. These items include daily medications, travel-related documents (passport and ID), phone chargers, energy snacks, clean underwear, toothbrush/toothpaste, and any valuables (camera, jewelry, computer, and so forth). Use a packing checklist to ensure you do forget anything.

  6. During the long flight, drink at least several cups of water to avoid dehydration. Try get up to do some stretching whenever allowed or simply walk up and down the aisle for a few minutes. This is believed to lower your risk of developing DVT (deep vein thrombosis) and leg cramps. If you bring a water bottle, be sure it is empty before going through security and fill it at a water fountain before boarding.

To help save money on your airfare, you can…

 

Sign up for airline and travel newsletters and deal alerts.

Book tickets at least 1 month in advance. If possible, pick your flights in off-peak seasons and look into alternate airports.

Be flexible with your dates. For example, the savings can often be significant if you are willing to depart on a Tuesday morning rather than a Friday evening. Try to fly on a Tuesday, Wednesday or Saturday because more seats are available on these days and such flights have correspondingly lower fares.

Pay attention to fees. Airlines now tend to charge fees for things like checked baggage, food, and seating assignments, so consider packing only two carry-on items and bringing your own snacks to save additional fees.

Always check the details and restrictions when buying a flight. If you cannot find the fine print on the website, call the airline.

 

This article is written by Richard Hsu, VP of Marketing at CEOmobile.com, an emerging online travel agency that helps senior travelers (age 50+) find the best possible travel deals to enjoy more travels for less

> [https://www.ceomobile.com/seniortraveltips]Read more senior travel tips

Article Source: [http://EzineArticles.com/?Air-Travel-Tips-for-Seniors&id=9693582] Air Travel Tips for Seniors

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