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"Are You At Risk Of Falling?"
By Karl Knopf, Ed.D

Find Out. Take The Test

"We blame our poor balance on
the aging process yet anyone of any age can experience a balance dysfunction."

Take a "self-evaluation" test to find out your risk of falling.

Read The Full Issue

"How I Stay Fit At 55"
--Saili Gosula

Age: 55
Education:
BA in Math and Computer Science, MS in Computer Science
Occupation: Business Owner of Active In-Home Therapy
Residence: Redwood Shores, CA

Q: You have been working hard for some time to get back into shape. What motivates you?

I've always been an exerciser. I love it and rarely go a day without exercising. But as I grew older, my body changed in ways I did not like and my regular routine was not enough.

I wanted more time to exercise and
I wanted to exercise harder. I wanted to see results.
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"Mellowing Out In
Santa Barbara"
--Don Mankin

If you asked Americans where they would live if money were no object, Santa Barbara would be at the top of the list.

With a mild Mediterranean climate, wide beaches and excellent wineries just over the mountains, this coastal California city has been called the American Riviera.

In August my wife, Katherine, and
I sampled Santa Barbara’s many charms, driving two hours up the coast from our home in Venice Beach in my 1997 Mustang convertible.

The scenery along the way, best viewed from a convertible with the top down, is just as spectacular as the city, with sandy beaches and sparkling waves to your left and mountains to your right.

Many of the vistas are recognizable from the many car and insurance commercials that have used this iconic area to showcase their products and services.
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"Take My Money.
Make Me Rich!"
--Evelyn (Evie) Preston

Because money is so personal,
it’s wise to seek an Investment Professional—anyone from banker to broker—who communicates well and makes you feel comfortable.

No, not a lunch date or beer buddy but a highly qualified pro who is like-minded, someone with whom you’ll establish a close working relationship.

Q: How do I find someone just
"right" for me?

Research the internet, talk to friends, attend a seminar or take a course. Ask for referrals from your tax preparer, insurance agent, friends and do a background search at BrokerCheck.com.

It’s always smart to interview on your own.
READ MORE

"Discover 100 Ways
To Live To 100"
--Tanner Garrity Senior Editor, InsideHook

At this point, we’re all familiar with the trope. A local news station visits a retirement home to celebrate Muriel’s 106th birthday.

She’s deaf or blind or both or neither, sitting in a wheelchair in the “good spot” next to the TV set and a reporter asks her her secret.

You’ve lived through both World Wars?! How’d you do it? Then Muriel gets to flash a mischievous grin and tells us she smoked a pack a day for 50 years.

Interacting with centenarians in this way has long made them seem like circus oddities. It trivializes the concept of lifespan and longevity, reducing the science to a throw-your-hands-in-the-hair “Who the hell knows!”

It reinforces the idea that our time on this planet isn’t necessarily under our control. If my dad had a stroke and his dad had a stroke then one’s probably coming for me too, right?

If I make it to 80, or — God forbid — 90, I’ve just beaten the odds. Right? Not exactly.

Since the mid-1990s, in fact, following the infamous Danish twins study, researchers have understood longevity to be “only moderately heritable.” For a while, this spawned estimates that genetics accounted for somewhere between 20 and 30% of one’s longevity.

More recently, scientists have concluded that the true heritability of human longevity at birth is closer to just 7%.

Where does that other 93% come from? Your lifestyle.

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Ask Marilyn
--Marilyn Brown Ross

"Is A Reverse Mortgage Right For You?"

With over 15 years experience
right here in Silicon Valley, I can
help answer your questions about reverse mortgages.

Q: Will the bank own my home?

The bank does not take ownership of your home; they simply extend a loan to you. You continue to own and live in your home and are responsible for payment of property taxes, required insurance and if applicable, HOA fees.

Q: Do my children/family members lose their inheritance?

No, a borrower may designate an heir of their choosing.The heir(s) will inherit the home after the last surviving borrower passes away and may then choose to keep (by paying off the amount of reverse mortgage balance) or sell the home.

Should they choose to sell, any remaining equity after paying off the loan (minus interest and fees) would be theirs.

Q: What is the lending limit of the HECM reverse mortgage?

As of January 1, 2021, it increased to $822,375. Which means it's very likely you can qualify for more money.

To learn if a reverse mortgage is right for you, call 408.722.0010.
OpenMortgage.com/Marilyn-Brown Ross

Ask Larry
--Larry Hayes, A050 CEO/ Publisher

“My New Dentist Wants To Charge Me Over $2,500 For Two Crowns. Should I Get Another Opinion?"
—K.C, San Francisco

Yes. Get at least two opinions. Maybe three. Going to the dentist
is very expensive and nothing to smile about.

While most dentists are reputable and honest, dentistry is a business and less regulated than other medical professions.

Being “less regulated” means you may be at the mercy of an unscrupulous dentist who may overcharge you for work not needed.

It’s a little like taking your car in for a minor tune-up and being told you need “umpteen” repairs costing hundreds or thousands of dollars.

Finding a good, honest dentist is not easy and I’ve had my share of bad ones who try to “upsell” me.

Best advice? Ask your friends for recommendations. And if you have a good dentist you trust, count yourself lucky.
READ MORE

Good News About
Breast Cancer

We have seen a gradual reduction in female breast cancer incidence rates among women aged 50 and older.

Death rates have been declining since1990 in part due to better screening and early detection, increased awareness, and continually improving treatment options.

For more information, visit the doctors of Physicians Medical Group of San Jose, CA. Call 888.988.8682 or visit pmgmd.com.

Ideal Gift!
"Social Insecurity"
--John Donaghue

“Social Insecurity” is a new, funny book for anyone who plans on getting old someday.

Charming, witty, crazy, offbeat, happy comics by John Donaghue, award-winning art director and creator of Under Cardiac Arrest comics that appear regularly in
The Scoop.

Perfect gift for friends and family. Order today.
Click Here

Discover Benefits Of Home Physical Therapy
--Saili Gosula

When considering in-home physical therapy, an excellent option is a private pay therapist.

Such a therapist is able to offer a client/patient more time, energy and individualized care because he or she is not expected to have a quota of daily visits.

Many patients are seeking private clinicians to come visit them at home or in a private setting and are willing to pay for the security and privacy that comes along with it.

The many benefits include home programs customized to your progress to the kindness and compassion of therapists with a vested interest in you.
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Independent Senior Living
Chateau-Cupertino
Starting $3,400 Monthly

Senior living doesn’t get any better than Chateau-Cupertino in Cupertino, CA.

Enjoy a home-like environment in your own apartment with three fresh served home-style meals daily starting at $3,000 per month.

Schedule A Tour Today!
408.446.4300
[email protected]u-Cupertino.com

Ask For A Senior Discount!

Taking advantage of senior citizen discounts may reduce your retirement costs and free up funds for other activities.

Here's a partial list.
• Denny’s and IHOP offer a 55-plus menu with discounted prices

• Amazon Prime offers a discounted membership to those with a Medicaid card

• Kohl’s offers a senior discount of 15% every Wednesday

• Marriott offers a 15% discount or more to those 62 and older on stays at participating locations

• Best Western gives older Americans 15% off when booking reservations

• Amtrak offers 10% off on most rail fares for older Americans

For a complete list, go to:
https://www.theseniorlist.com/senior-discounts/

Discover Resort-Style
Living For The 55+ In
San Jose, CA

Luxury properties, professionally landscaped, golf course views, city views, openness of the community, trees and waterfalls.

We have many properties for sale at The Villages Golf & Country Club. Resort-style senior living for the active adult 55+ years. Mid $400,000's to $1,000,000+.

To receive an exclusive tour of the community and preview selected properties, call Carla Griffin today. 408.274.8766.

https://bandarealtors.biz/

Inspiring Video

"Don't Let The Old Man In"
--Clint Eastwood & Toby Keith

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