The Morning Journal
Wednesday • June 29 • 2016
Living
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Wednesday • June 29 • 2016
Senior Living
The Wesleyan Promise Wesleyan Senior Living is a non-profit organization that is comprised of two communities; Wesleyan Village in Elyria and Wesleyan Meadows in Sheffield Village. For over 120 years, Wesleyan Senior Living has assured residents that they will never be asked to leave for inability to pay, should resources become depleted. Wesleyan Village, in Elyria, offers independent and assisted living, as well as health and memory care, skilled nursing, and rehabilitation. Wesleyan Meadows, in Sheffield Village, is a thriving independent living community on 35 acres in a park like setting. As a non-profit organization Wesleyan Senior Living maintains a benevolent Life Care Fund. The generous donations of residents,
community and family members make it possible for residents to always have a home and care, even if their resources become depleted. When a resident finished a long hospital stay, her doctor talked to her about a move to a community that could provide the additional security and services that she needed. As a homemaker she was dependent on her husband’s pension until his death ended the payments, leaving her with few assets beyond her monthly Social Security check. She is one of dozens of residents whose annual financial need totals tens of thousands of dollars. The Life Care Fund assists over 200 residents each year with some degree of care and services for which they could not pay.
Wesleyan Senior Living pays close attention to individual needs, and the quality of life enrichment activities to keep those 55 and better engaged and active to the highest degree possible. Wesleyan Senior Living provides substantial individual care by healthcare professionals, but the most significant factor is in additional services as pastoral care, social work, life enrichment activities and nutrition/food services. The cornerstone for this tradition of service was laid in 1896, when Mrs. Mary Lilly opened the doors of a rambling old house in Elyria to take in several elderly women living in difficult circumstances. Inspired by her example, the citizens of Elyria joined together to finance a new “Old Ladies
Home”, which opened in 1902. For more than a century, Wesleyan Senior Living has successfully provided resources to make life a healthier and engaging living experience for those 55 and better. In addition, services such as child day care, senior transportation, hot meal delivery and family support groups have touched many lives. The organization has been able to subsidize programs and services for those in need because of the generosity of donors across the years to the Wesleyan Senior Living Foundation. You can have a positive impact on the lives of older adults by helping support our philanthropic mission. Contributions of every size are welcomed.
From Our Residents: Judy and Bernie “We declared our independence when we chose Wesleyan!”We have a friend who became very sick and needed 24-hour care. He had made no arrangements and life became very chaotic for his family. We didn’t want that to happen to us or our children. We never wanted to feel we retired too late or held on to our home too long. Now we’re living our lives to the fullest without any worries about the future! Gary and Ellie “We believe in planning our future so our children or each other are not forced to have to make difficult decisions later in our lives. The promise of being cared for and having a home, no matter what the future may bring, made the decision to join the Wesleyan community very easy. We have not been disappointed.”
Call today for a tour or a free overnight stay in our try-it suites. 440.284.9200.
The Wesleyan Senior Living Promise... You will always have a home and care, even if your resources become depleted. pl
Wesleyan Village, Elyria Independent and Assisted Living Health and Memory Care and Rehabilitation All your needs met in one community. Call today for a tour: Wesleyan Village 284.9000 Wesleyan Meadows 934.9400
villageliving.org facebook.com/WesleyanSeniorLiving
Wesleyan Meadows, Sheffield Village Independent living ranch-style homes with attached garages and amenities
Senior Living
Wednesday • June 29 • 2016
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Gift from your IRA and Save!
1. Do you have a retirement plan, such as an IRA? 2. Are you, or will you be, required to take a minimum distribution from your IRA? 3. Are you looking for additional tax deductions for 2016 or 2016? If these questions sound familiar, then gifting retirement assets may be the solution. Danielle M. Locke, After eight long years of pending legislation President Obama CAP® Gift signed the PATH Act into law, making the Charitable IRA Planning Officer Rollover and two other charitable giving incentives permanent law. What the IRA Rollover Means for You: • IRA rollover is now permanent • You must be age 70 ½ or older on date of gift • Gift must be a direct transfer to a 501 (c)(s3) charity, like the Community Foundation • IRA rollover can be up to $100K per person. If married, each spouse can transfer up to $100,000 from his/her IRA to charity • Your IRA rollover counts as required minimum distribution • You will not incur any federal or state income tax • Only gifts from Traditional or Roth IRAs are eligible for the IRA rollover • Gifts to Donor Advised Funds and Supporting Organizations are excluded Include Retirement Assets in Charitable Estate Plans Did you know that if you pass with retirement plan assets in your estate, those assets are subject to taxes as high as 35 percent upon distribution? In contrast, the Community Foundation, a tax-exempt, nonprofit organization, may receive the full amount of your assets. There is no need to change your Will, incur legal fees, or etc. Ways to make the Community Foundation a Retirement Asset Beneficiary 1. Designate a Fund at the Community Foundation as the primary beneficiary for your benefits. This will allow you to leave assets to your loved ones that may be transferred at lower tax rates. 2. Designate a specific amount or percentage of your retirement assets to be paid to a Fund at the Community Foundation. The remainder of the assets will be distributed among your loved ones. 3. Make a Fund at the Community Foundation the contingent beneficiary of these assets. In this instance, the Community Foundation will receive the balance only if your primary beneficiary does not survive you. 4. Create a charitable remainder trust for your retirement plan. When you pass, your retirement assets will be transferred to the trust. The trust will pay income for life to a designated beneficiary, after whose death the assets will transfer to a designated Fund at the Community Foundation. The Community Foundation of Lorain County can partner with you to help fulfill your personal, financial and charitable wishes. I’d be happy to assist you with this or any other charitable giving.
Using your investments for all they are worth If you are like most people, you are looking for ways to minimize taxes and maximize not just your monetary gain but the overall satisfaction you receive from your assets. Here are some ideas to help you make the most of your investments through charitable planning. Option
Benefit
Gift of appreciated assets
Income tax deduction
Charitable remainder unitrust
Payments and income tax deduction
Beneficiary designation
Estate tax savings
Life estate
Income tax deduction and use of home
440-984-7390 www.PeopleWhoCare.org
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Wednesday • June 29 • 2016
Senior Living
4 Tips to Live Better in Retirement (StatePoint) The conceptions and realities of retirement have changed a great deal over the past several decades, giving many seniors misgivings about the future. But your golden years can be happy, healthy and productive, say experts. “For many individuals, confusion, fear and an overwhelming sense of powerlessness accompany the prospect of growing old in America. The good news is that we have power to address these concerns,” says Scott Page, author of the new book “It’s Never Too Late: Getting Older, Wiser, and Worry-Free in our Golden Years.” Are you retired or approaching the end of your working life? Are you concerned about an older parent or loved one? Here, Page offers expert tips on living better: Living Ideas Reducing housing expenses can have an extra upside. For example, downsizing your empty nest offers you the benefit of less house to maintain. Moving to a region of the country cheaper than your current area may take you somewhere sunnier, warmer and better suited for aging. Another popular way to live more frugally is to consider taking on a roommate. “Co-living arrangements like the ‘The Golden Girls’ are becoming more popular with single or widowed seniors. It helps save money and can be beneficial for socialization and support,” says Page. Make Money You can rake in extra income that doesn’t feel like work. Review your talents and hobbies. Are you an excellent baker, a talented woodworker or musician?
“Seniors often have a lot of time on their hands, and they may be able to transform hobbies or interests into a way to make a little money,” says Page, who points out that such activities can also be an excellent way to stay engaged and active, keeping minds and bodies vibrant. Saving Tips Don’t be shy about using the age card. After all, you have worked hard for it. Senior discounts are available at restaurants, stores, on travel, adult education classes and gym memberships, and sites like Restaurant.com or Groupon have special bargain days for seniors. You can also save by eliminating unnecessary expenses. For example – do you still need that landline telephone? Can you bundle certain services to help reduce costs? Do an inventory of your possessions to determine which objects to keep and which to discard or sell. Free worksheets, available at scottpage.com/free-tools, can help you make smart decisions. Connect with Friends Consider planning meals with a support network. “Maybe Sally takes Monday nights, Judy takes Wednesday nights and Sarah takes Friday nights,” says Page. “Cooking for more than one person encourages community, and can be cost-effective if everyone is sharing in the responsibility.” Maintain an active social media presence online to stay connected to friends and family. Those with the same interests as you are just a mouse click away. More information about the book can be found at www.scottpage.com.
We truly love our seniors and cherish their every visit to Martino’s International Café here
in Vermilion. We have so much fun visiting with all of our Mentors who taught us our great work ethics, morals and manors. We even developed a petite portion of our menu for those who just do not eat as much as they used to and do not like to waste food. On that menu are all of your favorites from Cabbage Roll Dinners, Chicken Paprikash, Perch, Shrimp and Meatloaf Dinners. Also we have a variety of Petite Dinner Salads, Half Sandwiches with soup and Breakfast for any appetite and taste. Also we have a Soup and Salad bar every day from 11am to 3pm and Fridays until 8pm. Don’t forget that we also have your favorite Cocktails, Wines or Beer to accompany your meal. Please try us and tell your friends about us. We are honored to have you as our guest! You can also have some one pick up your favorite meal or soup through our convenient Pick Up window and bring it to you. Feel free to reserve our private, elegant banquet room (at no charge) for your senior bus trips, family gatherings, class reunions, or for your club or organization meetings. Seating from ten to sixty – Call us at Martino’s today at 440-967-3463. We are open seven days a week from 7am to 8:30pm and our located at 4415 Liberty Ave in Vermilion in front of the Giant Eagle shopping center. See our full menu at MartinosInternationalCafe.com. It is a joy for us to try and return the kindness that you have given us all of these years………
Health and Rehabilitation 383 Opportunity Way, LaGrange, Ohio 44050
440-355-4616 • Fax: 440-355-4617 www.Keystone-pointe.net
Our Commitment To You
Keystone Pointe Health & Rehabilitation Center is a 121 bed Medicare and Medicaid certified nursing facility located in LaGrange, Ohio. Seventy-nine of our beds are private suites which include a spa bathroom with large shower. Founded with a firm belief in making a difference one resident at a time, we are dedicated to preserving the personal dignity and quality of life of every resident in our care. Our facility has all the amenities your loved one needs to make them feel at home. During their stay, our residents enjoy wide screen television, satellite programming and local telephone service in every room. WIFI internet is also provided. And our executive chef will provide you with and enjoyable dining experience. We invite you through our doors where you will find superior quality care provided in a professional and caring environment. Our associates at Keystone Pointe Health & Rehabilitation Center are committed to improve the health care delivery to our community and to those who have been entrusted to our care. Keystone-Pointe is contracted with many commercial insurance companies.
Alzheimer & Dementia Specialty Unit
Keystone Pointe Health & Rehabilitation Center offers a 34 bed secured unit for individuals experiencing dementia challenges. Cognitive challenges coupled with medical diagnosis may result in a compromised quality of life. We provide programs and activities that are designed to promote the highest level of independence and dignity. Our secured unit is staffed by individuals who are specially trained in Alzheimer’s care. **We want your stay at Keystone Pointe to be a positive experience. Our Social Services department is always ready to assist you with a compassionate heart.**
Progressive Rehabilitation
The clinical expertise of our Rehabilitation Department assists our residents in achieving their maximum potential, servicing both inpatient and outpatient. Our therapists carefully measure and document the resident’s progress. When appropriate, families are encouraged to participate in the therapy process, particularly when the goal is to return home. Keystone Pointe offers physical therapy, occupational therapy and speech therapy. Therapies available seven days a week.
“Making A Difference...One Resident at a Time.”
Senior Living
Wednesday • June 29 • 2016
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Bogner Family Funeral Home Pre-planning is a matter of taking the time to think about – and record – your end-of-life desires. It’s a thoughtful gesture to those you love, and a way to let go of anxieties about the future. Once done, you can relax, knowing your plans are in the hands of reliable friends or family. It’s All About Taking Control Given time to consider it, you’ll quickly realize that pre-planning is all about ensuring that your wishes are known, so they can be acted upon when the time comes. Making the commitment to planning ahead: - Is easy. There’s no health questionnaire or physical
exam required. Absolutely everyone can make a preplan, and there is no waiting for return documents. The plan is completed, and put on file in our office. - Lets your family clearly know your wishes. - Relieves your family members of making very personal decisions on your behalf at the time of need. - Can protect your family from the ravages of inflation. Your expenses can be covered when you need them to be, through a prepayment plan. Pre-Plan with Bogner Family Funeral Home and Cremation Services with us, you’re assured that your final wishes are known. This relieves your family of the
Dovin anD reber Jones funeral & cremation center 1110 cooper foster park roaD amherst, oh 44001 • (440) 985-2100
burden of making difficult decisions, under emotional duress. Through prefunding your plan, expenses will be covered when you need them to be. That’s guaranteed. Our plans offer a variety of payment options to fit most everyone. Ready to get started? Request a personal appointment with a Bogner Family Funeral Home and Cremation Services preplanning advisor. Please contact us by clicking on the link below.
Contact Us for an Appointment (440) 327-2955
Helping You Plan a Personal Remembrance
Helping Families and Friends Honor Their Loved One
TREE TRIMS, REMOVALS & STUMPS 24/Hr. Storm Damage.
• Honoring Life
It's important to take the time to acknowledge the uniqueness of the deceased: the individuality of their personality, and the uniqueness of their life's path.
• Grief Support
With our online grief support we will help you through this difficult time. No matter how you feel at this moment, you have our commitment - you’re never alone.
• Community Events
We give every family in our community unique opportunities to learn, share, and remember. It is our intention to enrich lives, educate minds, and ease sorrows.
• Be Remembered
Dovin & Reber Jones Funeral and Cremation Center is proud to partner with the Remembrance Services Group in providing you with this free online social networking service.
Dovin and Reber Jones Funeral & Cremation Center: (440) 985-2100 • www.dovinreberjones.com
36625 Center Ridge Rd N. Ridgeville
440-327-2955
www.davidbognerfamilyfuneralhome.com
Free Estimates!
~Satisfaction Guaranteed!~
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Wednesday • June 29 • 2016
Senior Living
Protect your joints and prevent pain Joints play vital roles in the human body, forming the connections between bones and facilitating movement. Damage to the joints can be especially painful, and that damage may result from conditions such as osteoarthritis or gout. While not all joint pain is debilitating, the discomfort of joint pain is such that it’s wise for adults to take steps to protect their joints with the hope of preventing joint pain down the road. Recognizing that joint pain can negatively affect quality of life, the Arthritis Foundation offers the following joint
protection tips to men and women. • Forgo fashion with regard to footwear. When women choose their footwear, fashion should not be their top priority. According to the Arthritis Foundation, three-inch heels stress the feet seven times more than one-inch heels and heels put additional stress on knees, possibly increasing women’s risk for osteoarthritis. Though heels may be fashionable, the risk of developing joint pain is not worth making the fashion statement. • Get some green in your diet. A healthy diet pays
MARTINO’S INTERNATIONAL CAFE
4415 Liberty Avenue, Vermilion 967-(DINE) 3463
Open Daily For Breakfast, Lunch & Dinner 7am-8:30pm 7 Days A Week.
“Where Friends meet Friends”
• • • • •
Senior Menu We Love our Seniors!
Shrimp w/ Fries Boneless Chicken Breast Platter Perch Dinner Meatloaf w/ Mashed Potatoes Chicken Tenders w/ Fries
• • • •
Fish & Chips Spaghetti & Meatballs Chicken Paprikash Soup, Salads, and Deli Sandwiches
All Dinners come w/ choice of creamy coleslaw, applesauce, vegetables, or cottage cheeses
Visit Our Website For Complete Menu
www.MartinosInternationalCafe.com
Swimming is a great workout that can alleviate pain and reduce stress on the joints.
numerous dividends, but many may not know that a healthy diet can help prevent joint pain. Green vegetables such as spinach, broccoli, kale and parsley are high in calcium and can reduce age-related bone loss while also slowing cartilage destruction. • Shed those extra pounds. If you start including more healthy vegetables in your diet, you might just start to lose a little weight as well. Such weight loss also can help your joints, as the AF notes that every extra pound a person gains puts four times the stress on his or her knees. The AF also notes that research has shown that losing as little as 11 pounds can
reduce a person’s risk of joint pain thanks to their osteoarthritis of the knee jobs. If you spend all by 50 percent. day sitting at a desk or standing on your feet, • Hit the pool. Swimming is a great full- try to find a greater balance between the body workout and can two. Joints can grow stiff be especially helpful to the joints. The buoyancy from sitting all day, while standing throughout of water supports the body’s weight, reducing your work day can stress the joints. Take a short stress on the joints break every 30 minutes and minimizing pain to stand up and walk as a result. If possible, around if you spend swimmers already experiencing pain should most of your day at a desk. If you stand a lot at swim in heated pools, your job, stop to sit down which can help relieve for a few minutes once pain. While you can still every half hour. benefit from swimming in pools with colder temperatures, cold water may not soothe the joints like warm water can. • Take breaks at work. Many people develop
Joint pain and aging do not have to go hand in hand. More information about joint paint is available at www. arthritis.org.
Senior Living
Wednesday • June 29 • 2016
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Shopping for an assisted living facility The decision to move yourself or a family member to an assisted living facility can be difficult. When men and women begin to experience difficulty with everyday activities, such as bathing, dressing or getting around, families may need to explore assisted living facilities. Millions of people in North America reside in assisted living facilities. The majority of residents in senior living are those who may need assistance with one or two daily activities, but who are otherwise mobile and self-sufficient. Families faced with moving relatives into assisted living facilities can consider the following pointers to find facilities their loved ones will enjoy.
needs. • Inquire about staff and their schedules. It is important to know how many staff members a facility has and how many people are working at any given time. Do staffing schedules differ at night? If a resident has a particular rapport with one staff member, can he or she be requested? Look for a facility that is well-staffed and adept at dealing with elderly men and women.
• Learn about individual service plans. Many assisted living facilities create individual service plans, or ISPs, for their residents to ensure individualized care is given. These plans are important for the safety and comfort of residents and also can help maximize a person’s independence. • Consider the Some communities arrangements and offer memory care services offered. Some programs for those with facilities offer single Alzheimer’s disease rooms, while others provide apartment-style or other cognitive disorders. living. Most assisted living facilities provide • Consider the a variety of services, security in place. A such as housekeeping, good assisted living laundry, exercise and facility has a 24-hour wellness classes, and support system in social activities, for their place and immediate residents. Investigate access to care. Rooms the offerings at each may be equipped with home you visit, looking emergency phones that for a facility that best can be accessed day suits your loved one’s or night. Many homes
have check-in desks so that residents are accounted for when going on outings and for announcing guests. • Check on licensing. In the United States, each state has its own licensing requirements for assisted living facilities. Confirm a facility is licensed and that it meets the expectations of the
local regulatory agency. In addition, check with the Better Business Bureau to see if any complaints have been filed against the home. Assisted living facilities can meet the needs of people who cannot live independently but do not require the aroundthe-clock care of a nursing home
Anchor Lodge
Don’t Settle for a Place to Stay, Choose a Home Where you can Live! Schedule your personalized tour today! (440) 244-2019
City Salvage and Design
WAreHouSe SAle! • Architectural Salvage • Custom Furniture • Vintage Finds • Home Decor Items • Custom Paint Work
Call for vendors/craftsmen to join our monthly pop up shop events. Contact
[email protected] to sign up.
46145 Telegraph rd. Amherst Wednesday and Saturdays 9-2 Sunday 11-3
440-752-5520
www.CitySalvageAmherst.com
