9 Create a will if you do not yet have one. A valid will may save your heirs from some expensive headaches linked to probate and ambiguity. A solid will drafted with the guidance of an estate planning attorney will likely cost you a bit more than a “will-in-a- box,” but may prove worth the expense. 9 Complement your will with related documents. Depending on your estate planning needs, this could include a trust (or multiple trusts), durable ﬁnancial and medical powers of attorney, a living will, and other items. 9 Review your beneﬁciary designations. Who are the beneﬁciaries of your retirement plans and/or insurance policies? If you aren’t sure, it is probably a good idea to go back and check the documentation to verify (or change) who you have designated as beneﬁciary. 9 Create asset and debt lists. You should provide your heirs with an asset and debt “map” they can follow, so that they will be aware of the little details of your wealth. 9 Think about consolidating your “stray” retirement and/or bank accounts. This could make one of your lists a little shorter. Consolidation means fewer account statements, less paperwork for your heirs, and fewer administrative fees to bear. Interested in learning more? Stop by our Bay Colony Branch located at 3350 Cross Colony Dr, Dickinson, TX, or schedule an appointment with our Retirement and Investment Services Financial Advisor by contacting: This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their aﬃliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment. AMOCO Retirement and Investment Services professionals are registered representatives of CUNA Brokerage Services, Inc. Securities sold, advisory services oﬀered through CUNA Brokerage Services, Inc. (CBSI) member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an aﬃliate of the credit union. CBSI is under contract with the ﬁnancial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any ﬁnancial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all ﬁfty states of the United States of America. John Eyster | Financial Advisor 409.941.8696 | firstname.lastname@example.org 9 Let your heirs know about the causes and charities that mean the most to you. Write down the associations you belong to and the organizations you support. 9 Select a reliable executor. That person should have copies of your will, power of attorney documents, health care proxy or living will, and any trusts you create. In fact, any of your loved ones referenced in these documents should also receive copies of them. 9 Talk to the professionals. Do-it-yourself estate planning is not recommended, especially if your estate is complex enough to trigger ﬁnancial, legal, and/or emotional issues among your heirs upon your passing. An Estate Planning Checklist What to check and double-check Have you heard of our social group, Platinum Club? Our Platinum Club is designed for our members, ages 55 and above. When you join this club, you’ll get the opportunity to meet new peers and enjoy exclusive experiences and events. Subject to membership eligibility. 800.231.6053 | AMOCOfcu.orgD2 | THE DAILY NEWS | SaturDay & SunDay, January 29-30, 2022 GALVESTON COUNTY, TEXAS C elebrating 179 Y ears Your Life, Better Living Affordable Senior Living in Texas City • Apartments for Adults Age 55+ • 1 & 2 Bedroom Floor Plans • Washer & Dryer Connections • Upscale Finishes • Fitness Center & Yoga Studio • Sparkling Swimming Pool • Pet Friendly Community • Theater • Outdoor Activities • Community Room 13330 Holland Road, Texas City, TX | (409) 218-1138 | huntingtonatlagomar.com SCAN ME G rowing older may come with some added laugh lines or a few extra aches and pains, but many will attest to the beneﬁts and wis- dom earned from a life well-lived. And if that’s not enough, the discounts and other perks aﬀorded seniors can make reach- ing one’s golden years a bit easier to embrace. Every day the list of companies oﬀering special deals for people of a certain age continues to grow. Individuals willing to do the research or sim- ply ask retailers and other businesses about their senior discount policies can be well on their way to saving serious mon- ey. Keep in mind that the starting points for age-based discounts vary, with some oﬀering deals to those age 50 and up, and others kicking in at 55 or 60-plus. The following is a list of some of the discounts that may be available. Conﬁrm eligibility as companies change their policies from time to time. Also, senior dis- counts might not be the lowest price, so compari- son shopping is a must to ﬁnd out which discount or coupon is the best deal, according to the editors of Consumer World. • Amtrak: Travelers age 65 and older can enjoy a 10 percent discount on rail fares on most Amtrak trains. For those who prefer ground travel but want to leave the car at home, this can be a great way to get around. • Fast-food/sit-down restaurants: Establish- ments like Wendy’s, Arby’s, Burker King, Denny’s, Applebees and Carrabba’s Italian Grill oﬀer various senior discounts. Most are 10 to 15 percent oﬀ the meal. Others oﬀer free beverag- es or an extra perk with purchase. • Kohl’s: This pop- ular department store provides a 15 percent discount every Wednes- day to shoppers ages 60-plus. Other stores like SteinMart, Ross Dress for Less, Tanger Outlet Mall and Amazon Prime oﬀer similar discounts. • Marriott: Travelers age 62 and older are privy to a 15 percent discount on room rates at Marriott brand hotels, subject to availability. • Roto-Rooter: Plumb- ing problems can get expensive, but online sources cite a 10 to 15 percent discount depend- ing on location for this drain cleaning service provider. • National Parks: The U.S. National Parks Ser- vice oﬀers steep discounts on the annual pass, which provides entry to more than 2,000 federal recre- ation sites. • Grocery store: Food shopping gets a little eas- ier with discounts at Kro- ger, CVS, Walgreens and Publix. Be sure to check with local supermarkets about senior discounts, as they vary, particularly as to what day of the week and for what age they kick in. • AARP membership: It is important to note that many companies require enrollment in AARP for people to get senior discounts. AARP also has its own AARP Prescription Discount Card so that members and families can save about 61 percent on FDA-approved drugs that prescription insurance or Medicare Part D plans fail to cover. • T-Mobile: This carrier oﬀers two lines with un- limited talk, text and LTE data for $35 with AutoPay for seniors age 55-plus. Only the primary account holder has to be 55. — Metro Creative Connection V acations to faraway destinations can make lasting mem- ories that families cherish forever. Though day trips might not require the planning of more tradi- tional vacations, these brief getaways still can be a great way to spend a day, especially for seniors. Day trips typically are based around visits to historic attractions, shop- ping districts, restaurants or museums. Since they don’t require much in the way of advanced planning, and tend to be easy on the wallet, day trips are ideal for those looking for short getaways. When considering day trips, seniors should look for locales that are no more than two to three hours away. Such prox- imity ensures travelers will have plenty of time to see the sights and still get home at a reasonable hour. Need day trip inspira- tion? Here are some ideas to get started. BOtanICaL GarDEnS Botanical gardens are beautiful and relaxing places to spend a day. There are between 296 to 1,014 botanical gardens and arboretums in the United States, according to the Botanic Gardens Con- servation International. People can tour topiaries, exotic plants, butterﬂy retreats, acres of rolling landscape and even bonsai collections. SEaSIDE tOWnS Visits to the coast make for memorable, scenic excursions. Many boast quaint shops to purchase coastal trinkets or decor. Seaside spots also may boast their share of ﬁshing charters or sightseeing cruises, and seafood fans will appreciate what these regions have to oﬀer in the way of dining. HIStOrIC CItIES anD VILLaGES Touring historic places of register can be a hands- on way to learn about the country’s history. They can provide more personal experiences than books and movies alone. ZOOS anD aQuarIuMS Interacting with wildlife is on the itinerary when visiting zoos and aquar- iums, and such estab- lishments typically oﬀer discounted admissions to seniors. Sometimes, it’s possible to get up close and personal with many species. WInE taStInG There are 8,391 wineries in North America, and that number is on the rise, according to a recent study from Wine & Vines magazine. One is likely to ﬁnd a winery to visit and sample the wares close to home. Make a day of it by bringing a picnic lunch. MuSEuMS Museums are ideal day trip destinations because many are indoors. That means weather never needs to be an issue while visiting. With historic arti- facts, paintings, sculptures or niche items like pop art or collectibles, there are museums for just about every interest. rEStaurant CraWL Certain town centers and tourist destinations organize restaurant events where day trippers can enjoy tasting menus from various establishments for a single price. Day trips also can culminate at one speciﬁc restaurant. A new restaurant can be visited each month. — Metro Creative Connection Day trips all ages can enjoy Senior perks and discountsGALVESTON COUNTY, TEXAS Saturday & Sunday, January 29-30, 2022 | THE DAILY NEWS | d3 C elebrating 179 Y ears Experience Chair and Mat Yoga & Tai Chi discover OLLI’s Gardens play Mah Jongg & Poker explore Your Creativity study Healthy Nutrition & practice Meditation OLLI oﬀers exciting learning opportunities like: Art and Guitar and Ukulele Financial Planning and Poetry Join OLLI today to make new Friends and have some Fun! Today is your day to join OLLI at UTMB Health! Please phone 409.763.5604 Membership is $25 for an academic year and most OLLI course tuition is only $35. Classes meet in Galveston at 1200 Market and on UTMB’s Campus in Angleton SWAP BOOKS OR JIGSAW PUZZLES IN OLLI’S LIBRARY Be Healthier, be Happier, be Here! Have so much FUN! Visit our website: www.utmb.edu/olli Osher Lifelong Learning Institute - OLLI at UTBM Health - Call 409.763.5604 TODAY! College-level courses open to all those 55 and over 55 regardless of previous education.D4 | THE DAILY NEWS | SaturDay & SunDay, January 29-30, 2022 GALVESTON COUNTY, TEXAS C elebrating 179 Y ears T he notion of relaxing on a beach all day in one’s golden years is still a retirement dream for millions of adults across the globe. But many individuals also harbor a desire to keep working after retiring. Whether it’s a volunteering gig or a part-time job retirees are looking for, certain qual- ities can make an oppor- tunity uniquely suited to a post-retirement job. FLEXIBILIty Retirees may be looking to contribute to their communities or simply earn a little spending money, but they likely still will want the freedom to travel or spend time with their families whenever they choose. So, ﬂexibility is something to look for in a post-retirement job. This is what makes con- sultant work so attractive to retirees. In-person hours may not be required of consul- tants, who can then oﬀer their input while visiting their grandchildren or traveling the world. SOCIaLIZatIOn Though the ability to work from home can make it easier for retirees to earn some extra mon- ey, some seniors aren’t concerned about their ﬁnances but want to work so they can get out of the house. In that case, look for a job that oﬀers the opportunity to socialize and meet new people. Socializing as an older adult is a great way to fend oﬀ loneliness. In addition, social support networks have a positive eﬀect on cognition among older adults, according to a study published in 2007 in the journal of the American Public Health Association. So, a post-re- tirement job that enables retirees to socialize could delay or reduce the severi- ty of age-related cognitive decline. EnGaGEMEnt A job seniors ﬁnd engaging also is more likely to provide the types of beneﬁts seniors are looking for in post-re- tirement work. Seniors who ﬁnd a job or volun- teering opportunity truly engaging are more likely to beneﬁt psychologically from those experienc- es than those whose post-retirement work is not engaging, according to researchers at Boston College’s Sloan Center on Aging and Work. If seniors ﬁnd themselves simply going through the motions with their post-retirement work, they can look for oppor- tunities that they can be more enthusiastic about. PrESSurE-FrEE Regardless of what retirees did for a living prior to calling it a career, chances are they dealt with work-related stress. In fact, 83 percent of workers in the United States suﬀer from work-related stress, according to the Ameri- can Stress Institute. After a lifetime of confronting work-related stress, indi- viduals who want to work in retirement should look for pressure-free opportu- nities. This is an important quality, as the ASI indi- cates that stress has been linked to increased rates of heart attack, hypertension and other disorders. — Metro Creative Connection FOOD COStS Food costs may go down in retirement because shopping and preparing meals for one or two people is much less costly than feeding a family of four or more. However, dining out may increase as you have more free time to visit local eateries. autOMOtIVE COStS The average commuter spends 25.8 minutes behind the wheel twice a day, and the average driver puts in 13,474 miles behind the wheel each year — with people between the ages of 35 and 54 clocking close to 15,000 miles, according to data from the U.S. Department of Transportation. Less time spent in the car means fewer gasoline ﬁll-ups and longer durations between oil changes and other services. In addition, based on the Internal Revenue Service reimbursement rate of 58 cents per mile, a typical commute of 20 to 30 miles a day costs $11 to $16 a day or $55 to $80 a week. In a year, you could easily be spending $2,000 to $4,000 a year commuting if you live within 15 miles of your job. Without commuting, that cash stays in your pocket. taXES Many people can expect to be done paying federal income taxes when they are retired and no longer earning an income. If the majority of retirement savings were in Roth IRA accounts, contributions are available for withdrawal tax- and penalty- free at any age. HOuSInG Your mortgage may be paid oﬀ before or soon after retirement. That eliminates the single largest expense in many people’s budgets. If your home will not be paid oﬀ, it’s possible to downsize to reduce monthly payments. traVEL While many other expenses can go down, travel is one expense that can shoot up during retirement. But many people are happy to bear this cost. With more time for travel, retirees may allocate more funds toward vacations and other great escapes. HEaLtH CarE Seniors often see their health care needs and costs go up after retirement. It’s important to understand what is covered by health plans, and it’s equally important to set money aside for unforeseen medical expenses. — Metro Creative Connection P rofessionals typi- cally look forward to retirement and the freedom that comes with it. The notion that commuting and deadlines will one day be a distant memory is enough to make anyone excited for retirement. But when the day to leave the daily grind behind arrives, many retirees admit to feeling a little anxiety about how they’re going to ﬁnd structure. Retirement is a big transition, and some retir- ees experience anxiety, depression and even a sense of loss upon calling it a career, according to Dr. Robert Delamon- tagne, author of the 2011 book “The Retiring Mind: How to Make the Psycho- logical Transition to Re- tirement.” Some of those feelings can be traced to the perceived lack of purpose some individuals feel after retiring. With- out a job to do each day, people can begin to feel useless. Overcoming such feelings can be diﬃcult, but ﬁnding ways to build daily structure can make the transition to retire- ment go smoothly. • Find something to truly engage in. Profes- sionals who truly enjoy their work tend to be fully engaged, so it’s no sur- prise if such individuals have a hard time adjust- ing to retirement. Some may suggest volunteering can help ﬁll the void created by retirement, but researchers with the Sloan Center on Aging and Work at Boston College have found that only those individuals who are truly engaged in their post-retirement volunteering enjoy the psychological beneﬁts of such pursuits. So before retirees dive right in to volunteering as a means to creating structure, they should exercise due diligence and ﬁnd an opportunity they’ll ﬁnd genuinely engaging. • Embrace the idea of “bridge employment.” “Bridge employment” is the name given to the trend that has seen retired individuals take on part-time or temporary employment after they have retired from full- time working. COVID-19 has no doubt skewed post-retirement working statistics since the World Health Organization ﬁrst declared a pandemic in March 2020, but 27 percent of pre-retirees with at least $100,000 in assets planned to work part-time in retirement, according to a 2019 survey from the LIMRA Secure Retirement Insti- tute. Even part-time work can provide enough daily structure to help retirees feel as though each day is not just a free-for-all. • Make a concerted eﬀort to be more social. Volunteering and work- ing are not the only ways to create structure in re- tirement. A concerted ef- fort to be more social can help retirees ﬁll their days with interactions with like-minded individuals who may be experiencing the same feelings. Join a book club, a local nature group that goes on daily or semi-daily morn- ing hikes or another local community organization. These are great ways to build structure and meet new people. Retirees can create social media accounts to ﬁnd local community groups that cater to their interests. Even if it seems hard to believe, plenty of retirees are seeking to cre- ate structure in retirement life, and social media can make it easier to ﬁnd such individuals in your community. Structure and retire- ment may seem like strange bedfellows. But many retirees seek struc- ture after calling it a ca- reer, and there are many fun ways for seniors to create more organization in their lives. — Metro Creative Connection How to create structure after retirement How expenses can change during retirement Most people ﬁnd their post-retirement income is considerably less than when they were working full-time. That is why ﬁnancial planners often recommend saving and investing enough during working years to be able to replace 80 percent of preretirement income. Certain expenses get lower after retirement, but some will rise. Here’s a look at what to expect when the bills come due during retirement. Qualities to look for in a post-retirement job Leisure time can seem like a luxury for many adults. While it can seem like there’s little time in the day to do more than tend to responsibilities at work and at home, people may have more time to pursue leisure activities than they realize. • Think back to your childhood. Hobbies you once enjoyed as a child may have long since been forgotten, but it can be fun to reimmerse yourself in such interests. Adults who loved to play sports as a child can ﬁnd adult leagues in their area, while once budding artists might want to dust oﬀ their easels and visit a local paint and sip facility. • Reinvent something you’re already doing. Another way to ﬁnd a new hobby is to consider the things you already do and see if there’s ways to make them better. For example, cooking for a family each night might be made more enjoyable by enrolling in a cooking class, where you can meet fellow foodies while ﬁne-tuning your culinary skills. If you love to read, start a community book club. • Expand your horizons. It’s easy for anyone to say “no” to something new, but especially so for adults accustomed to their routines. But men and women who are willing to try anything are more likely to ﬁnd something new to be passionate about than those who shy away from the unknown. You don’t have to make a big initial commitment when trying a new hobby, but approach any new ideas or suggestions with an open mind. — Metro Creative Connection How adults can ﬁnd new hobbiesGALVESTON COUNTY, TEXAS Saturday & Sunday, January 29-30, 2022 | THE DAILY NEWS | d5 C elebrating 179 Y ears Day Lunch Date Local Family Eatery, with real ingredients, for everyone to enjoy. Food sensitivies and special diets are normal for us. No matter what the family eats, they eat it together. Special Date Events at EATcetera. Let us plan your next event. Perfect for private parties because special events happen in special places. 408 25th Street Mon-Sat, 11 am - 4 pm Free 2-Hour Street Parking Look For the red umbrellas! T he great outdoors beckons people of all ages. Fresh air can be hard to resist and the beneﬁts of spending time outdoors are so numerous that it behooves anyone, including seniors, to an- swer the call of nature. Human beings ben- eﬁt both physically and psychologically from spending time in nature, according to researchers with the U.S. Department of Agriculture’s Forest Service. Such experiences can reduce stress and help lower heart rates, poten- tially decreasing individu- als’ risk for cardiovascular disease. In addition, spending time outside in green spaces has been linked to a lower risk of depression, according to the Forest Service. Seniors who are retired or even aging empty nesters who are still in the workforce can make great use of their free time by venturing into the great outdoors. The following are a handful of se- nior-friendly outdoor ac- tivities that provide a great reason to get oﬀ the couch and take in all that Mother Nature has to oﬀer. HIKInG Hiking provides a great workout and an ideal opportunity to spend time in an idyllic setting. Hiking helps individuals build stronger muscles and bones, improves their sense of balance, has a positive eﬀect on heart health and can decrease the risk of cer- tain respiratory problems, according to the U.S. Na- tional Park Service. Hiking is an especially attractive outdoor activity for seniors, as many parks feature trails with varying degrees of diﬃculty, ensuring there’s a trail for seniors whether they’re seasoned or novice hikers. WatEr-BaSEd EXErCISE Water-based exercises can be helpful for individ- uals with chronic diseases, a category many seniors fall into, according to the Centers for Disease Control and Prevention. Water-based exercises improve the use of joints aﬀected by arthritis without worsening symptoms, according to one study published in the journal Arthritis & Rheumatology. Swimming can lead to improved health for people with diabetes and heart dis- ease, according to the U.S. Department of Health and Human Services. Seniors can reap these beneﬁts by going for a dip in their own backyard pools or a local body of water, such as a lake or ocean. Many swim clubs also oﬀer discounted memberships to seniors, making these another great and aﬀordable way to reap the beneﬁts of swimming. FISHInG Of course not all outdoor activities need to make seniors huﬀ and puﬀ. Fishing provides a great reason to get out- doors, and many individ- uals devoted to ﬁshing report feeling less stressed after a day spent casting for their favorite ﬁsh. Individuals who consume what they catch also can beneﬁt by improving their diets, as the American Heart Association notes that consuming certain types of ﬁsh has been linked to a lower risk for heart disease and obesity. VOLuntEErInG Local environmental groups often sponsor cleanups at parks and waterfront attractions like beaches and lakes. Volun- teering with such organi- zations is a great way to get outside and give back, and working with like-minded individuals can be a great way for seniors to meet new people. In addition, 88 per- cent of Senior Corps volunteers who initially reported a lack of com- panionship reported a decrease in feelings of iso- lation after volunteering, according to a national study sponsored by the Corporation for National and Community Service in 2019. — Metro Creative Connection I n an ideal world, people young and old exercise each day. But as men and women age, ﬁnding time to work out is not so easy. Commitments to work and family often take pre- cedence over daily exercise. As a result, many people 50 and older might not have exercised regularly or at all in many years. But as children grow up or even move out, people facing down their golden years are often compelled to get back in the gym. That’s a wise decision that can increase a person’s chances of being healthy and happy in retirement. But before beginning a new exercise regimen, men and women older than 50 should take heed of the following safety tips to ensure their eﬀorts are not derailed by accident or injury. • Speak with your phy- sician . Even people with chronic conditions such as heart disease, diabetes or arthritis can be physically active, according to the Na- tional Institute on Aging. However, anyone with such a condition and even those who don’t fall into those categories should con- sult with their physicians and receive a full physical before exercising. Such a consultation and checkup can shed light on any un- known issues, and physi- cians can oﬀer advice on how to safely manage any problems that may arise. • Begin with low-in- tensity exercises. Even if you feel great and have maintained a healthy weight, don’t push your- self too hard at the start. Your body needs time to adjust to physical activity, so choose low-intensity exercises like walking and light strength training so your muscles, tendons and ligaments can adjust. Initially, exercise every other day so your body has ample time to recover between workouts. • Choose the right places to exercise outdoors . Exercising outside provides the best of both worlds for many people, providing a chance to get healthy all while enjoying the great outdoors. When exercising outdoors, choose areas that are not remote and where others can see you and oﬀer help if you suﬀer an injury or have an accident. Boardwalks, public parks and outdoor gyms are safer places to work out than wooded areas or other places well oﬀ the beaten path. • Stay hydrated. Many people lose their sense of thirst as they age, accord- ing to the NIA. But just because you aren’t thirsty does not mean you don’t need water, especially while exercising. Water regulates body temperature and lu- bricates the joints, thereby decreasing your risk of injury during exercise. Exercising after 50 can help people live healthy well into retirement. But caution must be exercised when aging men and women return to exercise after a long break. — Metro Creative Connection How to work out safely after 50 Outdoor activities that are perfect for older adultsD6 | THE DAILY NEWS | SaturDay & SunDay, January 29-30, 2022 GALVESTON COUNTY, TEXAS C elebrating 179 Y ears R etirement ushers in a new stage in life, one in which adults have ample free time to pursue their interests and hobbies. Retirees have the time to travel, and such explora- tion need not break the bank. Travel factors signiﬁ- cantly into the lives of to- day’s seniors, according to a study by Virtuoso. They spend more on travel than any other generation — an average of $11,077 a year. Travel spending is at the highest among people be- tween the ages of 75 and 79. Learning how to get the most bang for your traveling buck can help retirees make travel more aﬀordable. • Avoid peak travel seasons. Many working families are restricted by school and work sched- ules, often limiting travel to summer and holiday breaks. The hospitality industry tends to raise their prices during these times of year. Retirees can travel any time they want. Booking trips during less busy times of the year for tourism is a great way to save money. • Consider a rental agreement. Retirees who want to travel for many weeks or even months out of the year may want to think about renting their homes while they are gone. The money earned in rent can help oﬀset the costs of travel. • Think about alter- native living situations. Seeing the country and traveling most of the time may be more doable if retirees forego the house entirely and opt for diﬀer- ent residences. Many recreational vehi- cles are large enough to be full-time homes. Simply park the RV in a new spot each month for a diﬀerent perspective. House boats can be an option for the marine-minded. • Try a repositioning cruise. Cruising is a popular form of travel for seniors. Cruise lines oﬀer discount repositioning cruise trips when they need to move ships from one port to another, usu- ally during the oﬀ-season, according to Investopedia. Unlike typical cruises where a ship will return to the port of origin, a repositioning cruise stops at several ports on the way and ultimately docks in a new end destination. • Find an inexpensive destination. For the cost of staying at a popular family resort for a week, you may be able to stay for double or triple the amount of time for about the same amount of money else- where. Weigh destinations carefully and compare costs. Think beyond the “popular” destinations around the world. — Metro Creative Connection A recreational vehicle, also known as an RV or a camper, can be a worthwhile investment for people who want to travel at their leisure. RVs oﬀer the beneﬁt of traversing the open road without having to sacriﬁce the comforts of home. The RV market has been hot over the last couple of years as people have looked to RVing as a safe way to travel. Shipments of travel trailers and moto- rhomes were expected to hit their highest level on record in 2021, with more than 533,000 units sold by year-end, according to the RV Industry Association. Sizable purchases are seldom easy, and purchas- ing an RV is no exception. In addition to choosing the right vehicle, RV owners must learn main- tenance, how to drive a large vehicle, towing and campsite etiquette. Buying an RV is a long-term in- vestment. These pointers can help the purchase go smoothly. nEW Or uSED? Purchasing a used RV can help people save money. However, upgrades and repairs may be costly. New RVs have the latest technology and no risk of prior wear and tear. In- surance premiums will be higher for a new vehicle, and a new purchase can be expensive depending on the features chosen. FIGurE Out FEaturES anD SIZE Take a hard look at what you are seeking in a camper. Do you want something that is just an alternative to tent camping? Are you interested in an RV that can sleep a crowd? Do you have a tow hitch and a vehicle capable of towing an RV? These questions and more will determine the style and size of the RV that’s right for you. Class A RVs are large, bus-shaped rigs between 20 and 45 feet in length. Class B are sleeper vans and are smaller than Class A. Class C rigs oﬀer size but driveability and are built into a regular truck chassis. For trailer-style RVs, the options are foldable trailers, travel trailers, toy haulers and ﬁfth wheel trail- ers. They vary in size and features; but you’ll need a truck to tow them. uSaGE FrEQuEnCy When considering an RV, think about how often it will be used and where it will be stored when not in use. Garage storage may be challenging on a larger rig, and some housing commu- nities frown upon parking RVs in driveways. This may aﬀect the size you choose as well as the features you need, according to Kamp- ground of America, the RV camp site leader. SECurE FInanCInG As with other vehicles, shop around for the best rates on ﬁnancing; you don’t necessarily need to go with the dealer. Also, when buying a trade-in or used rig, hire a third-par- ty inspector to go over systems to ensure they’re in working order. — Metro Creative Connection Travel tips that won’t break the bank RV buyers’ guide T ravel is something many older adults enjoy when they have much more free time to see the sights. Recreational vehicles are great ways for people to get out and about. An RV is more than just a way to get around; for many people it becomes a lifestyle. About 10 million American households own RVs, according to the RV Industry Associ- ation. There have been more RVs on the road in recent years, and there are now more facilities to accom- modate them. There are now roughly 18,000 campgrounds around the country, and certain facilities are pushing to improve and upgrade campgrounds in nation- al parks and on federal lands, according to RVIA. Individuals considering if the RV lifestyle is for them can refer to this list of RVing beneﬁts. • Inexpensive travel or living: RVers may be attracted by the idea of low-cost travel that doesn’t involve hotels and airfare and greatly reduces their reliance on restaurants while traveling. RVs can be rented for roughly $100 to $500 per day, and RV parks usually run between $35 and $50 per night, ac- cording to Allianz Travel Insurance. To keep the costs down even more, certain truck stops, big box retailers, churches, hotels, movie theaters, casinos, rest stops and other roadside locations will allow free overnight parking. Just verify before staying to avoid being ticketed. • Freedom to come and go: When traveling in an RV, there are no set check-in-/check-out times to follow or board- ing times to meet. RV travel can be strictly on your schedule. • Plenty of help: Others who have embraced the RV lifestyle tend to be very friendly and ready to make new acquaintances at campgrounds and oth- er stops. Those with more experience may be willing to share their expertise and pitch in to oﬀer tips for better excursions. • Creature comforts: People who vacation or choose to live in their RVs tend to keep familiar items and essentials on hand. Those can include preferred linens, clothing, toiletries, books, games and more. When taking such items along, there’s no need to pack and un- pack much for any trip. • Follow the weather: If desired, RVers can pick up and follow the jet stream. If 70-degree days are your thing, then follow those temperatures coast-to-coast. If you like skiing or snowboarding, you can head to colder climates. • Downsize: RVs are available across a wide range of price points, according to the RVIA. So, if the idea is to trade in a stationary house for an RV, you may be able to do so for as little as $6,000 to as much as $500,000. — Metro Creative Connection The advantages of RV travel RVs offer the benefit of traversing the open road without having to sacrifice the comforts of home. A s people near re- tirement age, their situations may have changed considerably. Children have moved out, careers are coming to an end and friendships may be hard to maintain due to people relocating or traveling. Older adults may aspire to make new friends, but they may not know how. It is not unique for seniors to want to make new friends, according to Dr. Irene S Levine, The Friendship Doctor and contributor to Psychology Today. Age can be a barri- er because there are ste- reotypes that pigeonhole people of certain ages. But that state of mind and physical ability is not directly tied to chrono- logical age, according to Levine. Making friends is possible at any age. These guidelines can help along the way. EXPLOrE OnLInE COnnECtIOnS Seniors (even those in their 80s) who stay connected with friends and family using social media report feeling less lonely and better overall, according to a 2016 study published in the Journal of Gerontology. Connected seniors also demonstrated higher executive reasoning skills. There are plenty of ways to meet new people online by joining social media groups that cater to your interests. In person meetings in particular cities or regions of the country also can make for great ways to make new friends. Exercise caution when meeting people in person after contacting them online. Bring another person along, whether it’s a spouse or an adult child, to ensure that you are safe. VOLuntEEr yOur tIME One way to meet new people is to get involved with causes or activities you love. This serves the double beneﬁt of getting you outside and active and puts you in touch with people who share your passions and interests. attEnD aLuMnI EVEntS If you have an interest getting in touch with someone from your past and reconnecting, make the time to attend school reunions and other alumni activities. It can be fun to reconnect with friends from high school or college. JOIn a GyM The local gym isn’t just a great place to get phys- ically ﬁt. Group exercise classes also can be ideal places to meet other peo- ple who enjoy working out. Strike up a conver- sation with another class participant you see on a regular basis. Once you develop a rapport, sched- ule lunch dates so your friendship grows outside of the gym. — Metro Creative Connection How to build friendships in your golden years GALVESTON COUNTY, TEXAS Saturday & Sunday, January 29-30, 2022 | THE DAILY NEWS | d7 C elebrating 179 Y ears I ndividuals work hard to save enough money to purchase their homes. And the hard work doesn’t end there. Once home- owners settle into a new home, they may set their sights on renovations that suit their individual needs. And even when buyers ﬁnd a home that needs no such work, maintenance requires homeowners’ utmost attention. All that hard work is perhaps one reason why seniors may be a little reluctant to downsize as they advance through their golden years. In ad- dition to the sweat equity homeowners put into their homes, all the memories they’ve made within their walls can make it harder to put a home on the market. Downsizing is a diﬃcult decision that’s unique to each homeowner. Seniors who aren’t quite certain if downsizing is right for them can consider three key factors to make a decision that’s in their best interests. COSt Perhaps no variable af- fects senior homeowners’ decisions to downsize their homes as much as cost. No one wants to outlive their money, and downsizing to a smaller home can help seniors reduce their monthly expenses by a signiﬁcant margin. Even homeowners who have long since paid oﬀ their mortgages can save sub- stantial amounts of money by downsizing to a smaller home or even an apart- ment or condominium. Lower property taxes, reduced insurance premi- ums and the need to pay for fewer repairs are just some of the ways down- sizing can save seniors money. SPaCE Many people love the extra space that sin- gle-family homes provide. But seniors can take a walk through their homes and see how many rooms they still use on a consistent basis. If much of the home is unused, seniors proba- bly can downsize without adversely aﬀecting their daily lives. MarKEt The real estate market is another factor to consider when deciding if the time is right to downsize. A seller’s market can help se- niors get the biggest return on their real estate invest- ment, potentially helping them make up for meager retirement savings. For example, home prices skyrocketed across the country during the COVID-19 pandemic, making that a great time for sellers to put their homes on the market. Seniors selling to downsize may capitalize on such spikes since they won’t be looking to turn around and buy larger, equally ex- pensive homes once they sell their current place. If the market is down and seniors can withstand the work and cost a little longer, it may be best to wait until things bounce back in sellers’ favor. Downsizing requires careful consideration of a host of variables. No two situations are the same, so seniors should exercise due diligence to determine if downsizing is right for them. — Metro Creative Connection P ets bring much joy to the lives they touch. So it should come as no surprise that the 2019-2020 National Pet Owners Survey, which was conducted by the Amer- ican Pet Products Asso- ciation, found that about 85 million families in the United States own a pet. Pets oﬀer companion- ship and unconditional love. While they are ﬁtting for any family, seniors may ﬁnd that having a pet is especially beneﬁcial. Pets provide a comfort system that pro- duces measurable health results, according to the organization A Place for Mom, which helps match families with senior living residences. Caring for pets and being around them can produce a chemical chain reaction in the brain that may help to lower stress hormones while also increasing production of the feel-good hormone serotonin. This is not the only health beneﬁt pets may provide. A recent study from the Mayo Clinic, which looked at 1,800 people between the ages of 25 and 64 who had healthy hearts, found that almost half owned a dog. Having a dog was likely to spur heart-healthy behaviors, like exercising with the pet, eating well and having ideal blood sugar levels. Pets also provide emo- tional support and com- panionship that can help seniors — including those who may be divorced or widowed — feel more secure and happy. Among respondents who had pets, 88 percent said their pets helped them enjoy life, and 86 percent said their pets made them feel loved, according to the National Poll on Healthy Aging. Seniors considering get- ting a pet can explore the many beneﬁts to doing so. • Reduce pain: Therapy dogs provided “signiﬁcant reduction in pain and emotional distress for chronic pain patients,” according to a 2012 study published in Pain Maga- zine. • Feeling of purpose: Caring for an animal not only stimulates physical activity, but it also can give seniors a reason to get up and go, which equates to a feeling of purpose. • Altered focus: Having a pet can help seniors focus on something other than physical or mental health issues and preoc- cupations about loss or aging, according to New York-based psychologist Penny B. Donnenfeld. • Increased physical activity: Pets require care, and that interaction can get seniors moving more than if they didn’t have a pet. • Improved health: Ongoing research from Harvard Medical School has found dog owners have lower blood pres- sure, healthier cholesterol levels and lower risk of heart disease than those who don’t own a dog. • Stick to routine: Caring for pets helps se- niors maintain a routine. Having structure after retirement can be im- portant to ward oﬀ risk of depression. Staying on top of feeding, grooming and other pet needs also can help prevent cognitive decline. — Metro Creative Connection F or seniors with medicine cabinets full of over-the-counter and prescription medica- tions, the idea of relying predominantly on food to promote optimal health may be tempting, and var- ious foods can be particu- larly useful to the 50-and- over demographic. • Brain-friendly foods: Foods such as avocado, leafy vegetables, sunﬂow- er seeds, blueberries and salmon are good sources of vitamin E, antioxidants, omega-3 fatty acids and other nutrients that may help ward oﬀ dementias like Alzheimer’s disease, according to Sonas Home Health Care. • Anti-inﬂammato- ry foods: Foods rich in omega-3 fatty acids may help prevent inﬂamma- tion that can cause cancer and rheumatoid arthritis. Foods that are high in omega-3 fatty acids, like salmon, should be con- sumed at least twice per week, Aging.com said. • Fruits and vegetables: Fresh, canned or frozen produce tend to be high in micronutrients, including a variety of important vita- mins that are essential for all components of health. Eat dark green vegetables, such as leafy greens or broccoli, and orange vege- tables, such as carrots and sweet potatoes, according to the Academy of Nutri- tion and Dietetics. • Energy-boosters: Choose whole grains that can provide sustained energy by way of healthy carbohydrates over pro- cessed grains. • Bone-friendly foods: Calcium-rich foods, such as milk, yogurt and cheese, can prevent calcium from being leached from the bones, which contributes to conditions like osteoporosis. • Digestive system- friendly foods: The diges- tive system slows down as the body ages. Foods rich in ﬁber can promote prop- er digestion by moving food through the digestive tract more easily. High-ﬁ- ber foods also may help naturally reduce blood cholesterol levels. • High-iron foods: Without enough iron in the body, a person may feel tired and lethargic from a reduced pro- duction of hemoglobin, which carries oxygen in the blood from the lungs to the rest of the body. A lack of oxygen in body tissues from anemia can be serious, according to the National Council for Aging Care. Tofu, spinach, lentils, pumpkin seeds, and fortiﬁed breads and cereals are high in iron. — Metro Creative Connection I n the not-so-distant past, extended fami- lies frequently lived in close proximity to one another. Such families shared meals and experi- ences and essentially grew up together. Nowadays, families separate for var- ious reasons, such as job opportunities and cost of living concerns. While there are ad- vantages to spreading out, there are also some disadvantages, namely that grandparents and grandchildren may not see one another frequent- ly enough. Even though people of diﬀerent age groups may not have the same interests, the interactions between gen- erations can beneﬁt both young people and their aging relatives. FIndInG rEnEWEd VIGOr Senior living and active lifestyle communities provide invaluable care and amenities for seniors. While being around like-minded individuals can be handy, it’s also limiting. Seniors who continue to age in place in mixed-age commu- nities can extract joy from watching youthful children and young adults growing up, playing and socializing. Being around multiple generations also can spark interesting con- versation, and all parties involved can learn some- thing from one another. PLannInG FOr tHE FuturE Younger generations may not understand the concept of “hard times” or “doing without” like a person who has lived through various ups and downs. Passing along advice about economic cycles, saving for the future and maintaining stability is one area of expertise at which many seniors excel. PraCtICInG IntErPErSOnaL SKILLS All the technological savviness in the world cannot compensate for the power of strong interper- sonal skills. Being able to address a group of people or speak one-on-one is essential in the workplace and in life. When younger generations speak to older adults, they may become stronger at verbal dis- course and have greater perspective of diﬀerent points of conversation. LEarnInG nEW tECHnOLOGy Younger generations can impart knowledge of technological devices to older adults. People with skills are usually happy to share their knowledge. Even if seniors aren’t ready to purchase tablets or smartphones, they may be excited to have their grandchildren teach them about the latest gadgets. PrOVIdInG SEnSE OF PurPOSE Both seniors and younger generations can realize a greater sense of purpose when interacting with one another. That person may be the reason the other one greets the day with a smile. Visits from grandchildren can reduce the liklihood of isolation and depression in older adults. And younger generations can discover the beneﬁts of personal social interaction rather than communicat- ing exclusively through social media apps. Fostering intergener- ational connections is a great way to broaden social circles, improve communication and learn new things. — Metro Creative Connection How to determine if it’s time to downsize Different generations can learn and beneﬁt from one another Eating healthy Amazing beneﬁts to seniors having petsD8 | THE DAILY NEWS | SaturDay & SunDay, January 29-30, 2022 GALVESTON COUNTY, TEXAS C elebrating 179 Y ears D ehydrated skin is among the many causes of facial wrinkling, which also can be caused by smoking, environmental factors and UV exposure. Aging skin doesn’t produce as much collagen and elastin, which allows skin to spring back into place, as it once did. Conditions like dry, dehydrated skin may make wrinkles appear worse. Treating dehydration and dryness may reduce wrin- kles and refresh dry skin, giving it a more youthful appearance. Those who want to treat dry, dehydrated skin must understand the diﬀerence between hydration and moisturizing as it applies to skincare. Hydrating skin means increasing its water content by increasing the amount of water contained in skin cells, according to Annemarie Gianni, a skincare aesthetician and creator of Annemarie Skin Care. This can result in a healthy, plump complex- ion. Skin that is properly hydrated will keep ﬁne lines and wrinkles from being overly apparent. Moisturizing skin in- volves applying a lubricant that mimics naturally produced lipids and oils in the skin that will protect and soothe. Hydration and moistur- izing often work hand- in-hand. In addition to drinking plenty of water to hydrate the skin from the inside out, individu- als can use products that contain hyaluronic acid, glycerin and sodium hyaluronate. These are known as humectants. In addition, aloe can improve water content in the skin, according to the National Center of Biotechnology Information. Once water is bound to the skin, a moisturizer will prevent the water from leaving it. Look for moisturizers with natural oils and butters to help retain moisture, like cocoa butter. The following are some additional methods to maximize hydration and moisturize skin. • Take warm showers, as hot water can strip the natural lipids from skin and cause dryness. • Avoid too many alco- holic beverages. Alcoholic drinks are diuretics that can cause the body to lose water, according to WebMD. • Use a humidiﬁer indoors to amp up the moisture level in the air. • Enjoy water-rich foods, like watermelon, cucumber, grapes and other succulent fruits and vegetables. • Drink the recom- mended amount of water per day, and limit your consumption of caﬀeinat- ed and sugary beverages. • Work out to improve blood ﬂow and oxygen- ation in the skin. • Try a facial essence. Facial essences are a prin- ciple of Japanese beauty regimens and contain fermented ingredients that support skin penetration and hydration. Anyone concerned about dehydrated or dry skin can get further advice about treating the prob- lem by speaking with a qualiﬁed dermatologist or aesthetician. — Metro Creative Connection A ttitude goes a long way in regard to self-esteem. With a positive spin, it’s possible to get through diﬃcult situations and even have a favorable outlook on getting older. But even the most optimistic among us may at times worry about the physical signs of aging and wonder what can be done to make them feel and look their best. Wrinkles and a little extra weight around the middle certainly garner attention, but hair loss is another age-related con- cern. As people age, their hair changes in several ways. Graying through loss of melanin pigment is the most apparent. Strands of hair also can become less dense and small- er through the years, according to MedlinePlus, the health information resource from the U.S. National Library of Med- icine. Many follicles also may stop producing new hairs. Regardless of age, it is customary for a person to lose about 100 hairs a day. If those hairs are not replaced as readily as they once were, patches of thinning and balding hair may appear. The rate at which hair falls out is largely de- termined by genetics, according to Headcovers Unlimited, a company that produces wigs, scarves and other headwraps. But near- ly everyone will experience some sort of age-related hair loss. Hormonal chang- es during menopause can cause noticeable thinning and scalp exposure that may be mistaken for actual hair loss. There are many ways to mitigate hair loss. Here are some handy tips. • Try a new cut. Work with your stylist to deter- mine a haircut that can suggest the appearance of thickness and camouﬂage the loss of density or bare spots. Graduated layers kept close to the face can help, as can pixie cuts. Men can choose to go entirely bald and bold. • Treat hair gently. Avoid harsh chemical processes and constant heat styling. Protect frag- ile hair from damage by pampering it. • Look for thickening formulas. Many shamp oos, serums and condi- tioners tout volumizing or thickening properties. These can help plump up hair and make thinning less apparent. • Talk to your doctor. Hair loss may be a result of medication, a skin con- dition or aging. Doctors may suggest products, such as Minoxidil and Lipogaine formulas, that can be used on the scalp to reduce hair loss and help follicles produce new hair strands. — Metro Creative Connection A dults confront various age-related side eﬀects as they transition from mid- dle age to their golden years. Skin may begin to wrinkle and hair may turn gray, but those are just the visible side eﬀects of aging. Various parts of the body are aﬀected by aging, according to the Mayo Clinic. Though many changes are linked to aging, other changes commonly as- sociated with aging, such as a decline in memory, reasoning and other thinking skills, are not natural. Dementia is not a normal part of aging, according to the Alzhei- mer’s Association. There are many diﬀerent types of dementia, including Alzheimer’s disease, and these are the result of damage to brain cells that aﬀect a person’s ability to communicate. That dam- age is not inevitable, even if it’s commonly associat- ed with aging. Fleeting memory problems experienced with aging often reﬂect normal changes in the structure and function of the brain, according to Harvard Medical School. But it’s important that those changes not be mis- taken for dementia, and it’s equally important that adults recognize there are many ways they can protect and sharpen their minds as they age. COntInuE LEarnInG A higher level of edu- cation is associated with improved mental func- tioning in old age, accord- ing to HMS. The reasons for that are unknown, but experts theorize that ad- vanced education compels people to remain mentally active, which in turn helps them maintain a strong memory. Even aging men and women who are still working in challenging ﬁelds can beneﬁt from pursuing a new hobby or learning a new skill. uSE tHE tOOLS at yOur DISPOSaL It may seem counter- intuitive to suggest that organizational tools like planners, maps and lists can help people maintain their memories. However, expending mental energy on ﬁnding car keys or trying to remember what to buy at the store makes it harder to learn new and important things, accord- ing to HMS. LEt aLL yOur SEnSES PLay a rOLE The more senses a person uses to learn something, the more his or her brain is involved in retaining a memory, according to HMS. In a recent study, adults were shown a series of emo- tionally neutral images that were each presented along with a smell. Par- ticipants were not asked to recall what they saw, but were later shown a set of images and asked to indicate which they had seen previously. The participants had excellent recall for the odor-paired images, and researchers believe that’s because ad- ditional parts of the brain were activated when participants were asked to use more than one sense. Memory loss is not an inevitable side eﬀect of aging, especially for adults who take steps to maintain their memories as they age. — Metro Creative Connection Hydrate and refresh dry skin to avoid wrinkles Simple ways to keep your memory sharp as you age Coping with hair loss as you age Gray hair is a natural side eﬀect of aging. The rate at which hair will turn to gray diﬀers based on genetics and other factors. Some people may go gray seemingly overnight, while others may gray at the temples ﬁrst before the rest of their hair gradually changes color. Aging women often wonder if they should cover up their gray hair or embrace the silver. Going gray is no longer something that has women running to their stylists at the sight of the ﬁrst gray strand. Some actually opt for silver even before their own gray sets in. In fact, 28 percent of women embraced or considered opting for silver hair, according to a 2017 survey of hair trends by L’Oréal Professional. The trend has continued to gain steam. Celebrities like Jamie Lee Curtis and Helen Mirren were some of the ﬁrst to embrace their grays. Younger celebrities like Kendall Jenner, Pink and Lady Gaga have opted for silver tresses to make a statement. But there are still many women who prefer to transition gradually or avoid the harsh chemicals in some hair products. More than 5,000 diﬀerent chemicals are used in hair dye products, some of which are reported to be carcinogenic in animals, according to the National Cancer Institute. There are many natural ingredients that can add tint to hair to make gray less visible. Coﬀee, for example, can cover grays and add dimension to dark tresses. Chamomile tea is recommended for blonds to add natural highlights and perhaps camouﬂage their grays. Calendula, marigold, rosehips and hibiscus can deepen red shades or add some subtle red highlights. Henna also is a popular natural method to add a red- orange color to hair. Creating highlights to oﬀset gray hair can work as well. Spraying lemon juice on hair and sitting in the sun can produce lightening eﬀects. Many women are seeking natural options to look their best. Embracing grays or creating subtle tints with natural ingredients can help women feel conﬁdent and beautiful. — Metro Creative Connection Going gray with style Regardless of age, it is customary for a person to lose about 100 hairs a day.GALVESTON COUNTY, TEXAS Saturday & Sunday, January 29-30, 2022 | THE DAILY NEWS | d9 C elebrating 179 Y ears Volunteers Needed at the
We are looking for passionate, driven, creative, and selﬂess crew members to take part in preserving history.
Our Mission: -To PRESERVE the historic integrity and authenticity of our ships.
-To REMEMBER our greatest generation who sacriﬁced so much for our enduring freedom and the courage of our military heroes and their families.
-To EDUCATE all generations about American History, and U.S. Naval Heritage & Innovation.
If you would like to volunteer, donate or become a docent, please contact us at GalvestonNavalMuseum.com or call to speak to one of our crew members at 409-770-3196
-Brian Abugel, Chairman Galveston Naval Museum
One thing you may not know about the Galveston Naval Museum is that is is the only place in the world where you can see an attack submarine and a destroyer escort side by side. Predator and Protector. A submarine is designed to silently stalk and destroy surface vessels, and a destroyer escort is engineered to hunt and destroy submarines. Our USS Cavalla is also the only submarine in the US fleet to have successfully destroyed one of the aircraft carriers that attacked Pearl Harbor. This is why she is nicknamed the “Avenger of Pearl Harbor”. Julie Greenwell R eal e state a gent 281-622-1244 Seniors are often targeted by criminals. Though many criminals target seniors from afar via telephone or internet scams, criminals seek to enter seniors’ homes. Between 2003 and 2013, the ratio of property crime to violent crime was higher for the elderly and people between the ages of 50 and 64 than it was for younger people between the ages of 25 and 49, according to the Bureau of Justice Statistics. Home security is important for people of all ages, but especially so for seniors and aging individuals living alone. By following certain safety tips and developing a home security plan, seniors can feel safer at home. • Lock windows and doors. It may seem like common sense, but failure to repeatedly lock windows and doors can, and often does, give burglars easy entry into the home. • Think about a smart doorbell. Technology now enables doorbells to provide a video feed to a person’s smartphone or tablet over WiFi. This allows residents to see who is at the door and speak to this person without having to open the door. Some products like Ring will even register motion activity and record short videos from outside of the house. • Don’t share or leave keys. Avoid leaving keys under a mat or in a ﬂower pot. Others may be watching your actions and gain access to your home while you are away. • Ask for ID. When service people or other individuals come to the door, verify their credentials by asking to see some identiﬁcation. • Get a home security system. The best protection against burglars is a home security alarm, according to HomeSecurityResource.org. Such an alarm often deters burglars from breaking in. • Install a lockable mailbox. Locked mailboxes restrict access to sensitive information, such as bank account numbers, sent in the mail. Make sure retirement checks or other payments are deposited directly into bank accounts instead of having them sent by check. • Use home automation. Home automation, or a “smart home,” can be utilized to turn on lights, set the thermostat, lock doors and much more. • Adopt a dog. Dogs can be an asset to seniors. Dogs provide companionship and can bark or alert seniors if someone is around or inside of the home. — Metro Creative Connection L iving life to the fullest does not need to stop when adults near or reach retirement age. Age-restricted housing communities once bore the stereotype of having limited recreational op- tions and dated surround- ings. But modern senior homes and facilities are all about catering to active lifestyles — with some communities oﬀering resort-like amenities and pristine properties. Fur- thermore, certain com- munities provide niche oﬀerings for people who are looking for something even a little more diﬀer- ent. Eligibility to live in these communities varies, but generally speaking one resident in the home must be age 55 or older. Of the 75 million people who comprise the Baby Boomer generation who are eligible for age-qual- iﬁed communities, more than 32 million would consider living in such a community, according to research by TRI Pointe Homes. Choosing an age-re- stricted community re- quires consideration of a host of factors, including the amenities residents most desire and the cost of a facility. The following factors can help people decide which community is most suitable for them. StyLE OF HOME Homes built in retire- ment communities are designed to be comfort- able and convenient for aging residents. Many are single-ﬂoor units. Certain communities may be comprised of apartments, condos or townhouses, while others may be sin- gle, detached residences. aMEnItIES When comparing age-restricted communi- ties, consider the amenities available. Do they include on-site dining, transpor- tation, travel assistance, pools, ﬁtness centers, walking trails or outdoor sports facilities? Some communities have “aging in place” amenities, which means residents can move from independent living to assisted living to skilled nursing care as their needs change. Make a list of interests and then match them to a community that can ﬁt your needs. COStS Costs vary considerably. Seniors should consider the community’s location and what is being oﬀered, as these factors will aﬀect costs, according to In- vestopedia. In addition to rent or mortgages, most communities also have monthly maintenance or homeowners association fees that need to be com- pared and considered. Read contracts carefully to see which other costs are included. SPECIaLIZEd FEaturES Unique men and women call for unique communities. If standard age-restricted commu- nities do not ﬁt the bill, there are specialized oﬀerings for people who spend retirement in an RV; desire homes that align with their heri- tage; communities just for postal workers; or communities tied to a local college to continue lifelong learning, accord- ing to 55places.com. Age-restricted re- tirement communities are evolving and many specialize in catering to active lifestyles. — Metro Creative Connection Home security tips for aging adults Age-restricted communities offer active lifestyles and convenient amenitiesD10 | THE DAILY NEWS | SaturDay & SunDay, January 29-30, 2022 GALVESTON COUNTY, TEXAS C elebrating 179 Y ears Whether you’re a ﬁrst-time patient or you’ve seen our providers since you were a child, you can trust the specialists at UTMB Health to provide you the care you need throughout your life. We understand that aging sometimes means challenging health care needs for older adults, and we know that a specialized team who understands the complexities of aging can provide the best health care. The ranges of services at our clinics and hospitals are uniquely comprehensive and include primary care and specialty care, such as: UTMB Health makes it easy to ﬁnd board-certiﬁed and specialty providers. Simply call our 24/7 Access Center, visit our website or scan the QR code with your smartphone camera. We look forward to caring for you soon. • Adult Primary Care • Cardiology • Diabetes Care • Eye and Ear Care • Geriatric Care • GI Care • Gynecology • Joint Replacement • Neurology • Orthopedics • Physical Therapy • Rheumatology • Surgical Services • Wound Care (800) 917-8906 | utmbhealth.com SCAN THE QR CODE TO FIND A PROVIDER AND SCHEDULE AN APPOINTMENT TODAY. The University of Texas Medical Branch is in-network for most major insurance plans. Caring for you, through all seasons of your life.Next >