Baywoods of AnnapolisBaywoods of AnnapolisWhy should I consider a Continuing Care Community We all wonder when are we ready to consider a Continuing Care Retirement Community? Many of us have considered a move to a retirement community, but many people are not sure when we should make the transition. If you are able to maintain your independence while still living in your own home and do not feel that your home and its upkeep
Estate Planning Mistakenly, many people believe that an estate plan is only necessary if you are in your senior years or have considerable wealth. Nothing could be further from the truth! There are many legal strategies involved in estate planning, and unfortunately, not all of us will live to be 100. But, did you know that in the state of Maryland, without a viable legal estate plan, the State will distribute your estate according to Maryland’s laws of intestacy and not necessarily to your spouse or dearest family members? That means that every Maryland resident actually already has a plan in place (as established by the state) and it’s up to you to change it so that it reflects what you intend or wish. In this article, Baywoods of Annapolis shares some of reasons to have an estate plan and what it should include. Tip #1: Don’t go it alone Simple estate planning does not need to be costly, but it’s significantly better than no plan at all! Since the laws of each state vary and change frequently, an experienced estate planning attorney can provide valuable advice and help you avoid common pitfalls. They will work hard to understand your
If you are part of the ‘sandwich generation’ you may be providing care for multiple generations including parents, children, grandchildren. You are also still likely working and managing your own day-to-day household. This can be a stressful and challenging lifestyle, so here are 4 tips for balancing your life while living in the sandwich generation. Get Help. No matter how many hours are in the day, you should try to arrange for help with some of the more routine tasks – like cleaning, shopping, and cooking. Whether you hire the help or accept help from friends, neighbors or your local church, take some of these tasks off your to-do list so that you can focus on the higher priority items. If you’re taking care of grandchildren, you may need to arrange for a playdate or sitter now and then. Care.com is a great resource for finding short-term resources. Get Organized. When you’re being pulled in a lot of directions, it’s more important than ever to get organized. A professional organizer can be a tremendous help for creating ways to make things more convenient and making sure everything has a place. This will help you keep track of things, and plan
Stay Mentally Sharp in Retirement The role of mental health and longevity is well documented. Just as we need to exercise our bodies to protect cardiovascular and bone health, working out our brains is essential to preserving our mental, social, and emotional health. Mental Stimulation and Combating Alzheimer’s Alzheimer’s disease is very common today. It’s characterized by mild memory loss in the early stages and can progress to include a decreased ability to make decisions or participate in activities of daily living. Starting at age 65, your risk of developing Alzheimer’s doubles every five years. To minimize your risk, experts in the field suggest that following a healthy diet rich in fruit and vegetables and exercising your brain with activities can be beneficial. BayWoods of Annapolis residents enjoy a well rounded daily schedule of activities offering both mental and physical stimulation. contact us for more information. Staving Off Dementia Dementia is an umbrella term for all forms of cognitive impairment. Dementia is most commonly associated with memory loss, but it can also manifest as a loss of language skills, motor activity, or ability to plan and make decisions. Vascular dementia, for example, can be the result of a stroke. There’s
Continuing Care Retirement Community We all want what’s best for our loved ones. At some point, we realize that our parents or loved ones cannot live as well or as safely independently like they used to. When everyday activities become difficult, a move to a continuing care retirement community will help a retiree thrive. Here are some helpful suggestions to consider before you tour a senior community. Is this a Financially Feasible Option? The first thing to consider is whether moving to a senior living community makes financial sense for your loved one. Is their current living situation safe for them, then consider is the house upkeep draining their finances. Many seniors have to get help or contract with services outside of the home to keep their property up. Sit down with your parents and determine what they are spending on a monthly basis to keep their home going. Real Estate taxes, school taxes etc. Ask them to calculate the amount they receive from all retirement accounts and Social Security payments. Once you have an idea about what they currently spend on a monthly basis, then look at what they can afford. At this point the process becomes easier. A
Retirement Community Checklist Each of us has different lifestyles and priorities so, when it comes to choosing a retirement community, you want to be sure you’ve weighed all the pros and cons. Baywoods of Annapolis is pleased to provide you with this checklist to use as you search for the right retirement community for you! Overall Community Considerations ✔Is the community located near friends or family who may visit? ✔Does the community offer different levels of care to accommodate changing health needs? ✔How has the community performed in recent state inspections? ✔Does the community allow pets? ✔Does the community provide transportation to doctors, shopping or other local activities? ✔What are the costs and fees? ✔Does the community offer a co-op program to provide additional financial benefits? ✔What types of culture, cuisine, and events are offered in the local community? Staff ✔Do they have time to speak with you or does it feel rushed? ✔Are staff members warm and pleasant when communicating with residents? ✔Does the staff look happy? Do they seem to enjoy interacting with one another? Quality & Care-Taking ✔Do residents look well cared for? Clean clothes, shaven, hair clean and brushed? ✔How is medication managed? Paper or computer
On-Site Care When you enter a retirement community, you may be fit and healthy, but as you age, there may come a time when you require additional health services. On-site health care is an important benefit providing convenience and peace of mind to you and your family. Here are the top 3 reasons why it’s important to choose a retirement community that provides on site care. Providing a continuum of care is the foundation of a Continuing Care Retirement Community (CCRC) like Baywoods of Annapolis. CCRC means that the community provides services for: Independent Living Assisted Living Skilled Nursing Care Why is this important? Limits your need to travel. For you, the retiree, it means that you will likely have most of your health care needs handled in the community in which you live. This eliminates most the need for most residents to travel for: Doctor’s Appointments Wellness Visits Pharmacies Coordination of Services Comfort, Convenience, Friends. Imagine being transported to another facility where your spouse and friends cannot readily visit you during your treatment. When you enter our short-term rehabilitation facility or assisted living facility, you’ll be within the same community, with the same friends, getting the care and support
Making the decision to move into a retirement community is a large step. Planning for a new life at an assisted living community can seem like a mysterious process, but it doesn’t have to be. Here’s how to make the retirement planning stages easy. Financial Planning Having a reasonable idea of monthly expenses is the best place to start when planning for life after retirement. Beginning with a monthly calculator, figure out a standard budget for your expenses. Groceries, gas, dining, and entertainment expenses all add up, so take the time to consider every aspect of your retirement finances. Once you set a budget, stick to it. Total the amount of your Medicare payments and investment accounts to determine what you can allocate to each area of your budget each month. Having a clear idea of what you can spend takes the stress out of planning. For further information on financial planning, talk to one of our representatives about the investment of living at BayWoods. Social Planning Some retirees wonder how they will fill their time once they finally retire. To ease the worry of empty days, plan how your retiree will be involved socially and mentally. Look at a
Aging Gracefully with Technology Every day, 10,000 baby boomers reach the age of 65. By 2030, when all members of the Baby Boom generation have finally reached that age, fully 18% of the nation’s population will be at least that age, according to Pew Research Center. But this new generation of ‘seniors’ is redefining what it means to grow older, and many are adopting technologies to help them not only enjoy their golden years and give a whole new meaning to the term “Graceful Aging.” In this article, we discuss some of the innovative ways seniors can use technology to age gracefully. The Internet Although previous generations didn’t always adopt new technologies with ease or excitement, today’s seniors are taking advantage of many of the benefits that technology now offers. The internet offers seniors access to a plethora of resources on healthcare, government/social services, and news or information. On-line shopping makes travel and shopping less difficult, and virtually anything can be delivered right to your door! This type of access allows seniors to stay informed and connected, which is a key component of aging gracefully. Smartphones Smartphones provide an extension of benefits from the internet, described above. But, these devices
Prevent Elderly Falls It’s estimated that over 250,000 Americans are hospitalized for hip fractures each year, according to the CDC. More than 95% of these are as a result of a fall. There are many risk factors that increase the chances that someone will fall, which include: balance, poor vision, decreased muscle strength, taking more than four medications and more. In this article, Baywoods of Annapolis shares some ways to prevent falls from happening in the first place. If you or a member of your family is still living at home, it’s important to create a safe living space. Some items to consider: Cleaning up clutter and ensuring floors, hallways, and staircases have a clear, unobstructed path. Evaluate floors and remove or repair loose carpet and area rugs which can pose tripping hazards. Add grab bars and handrails, especially in bathroom areas where surfaces can be slippery. Ensure there is bright lighting in the home and night-lights in bedrooms and bathrooms. One level living is ideal. Move furniture and other daily living items to the first floor of the home so that stairways can be avoided. Of course, if you live in a retirement community like Baywoods of Annapolis, most
Senior Risks Identity theft is one of the fast-growing crimes in the United States. Although anyone can be a target, many seniors are at a higher risk for fraud schemes and identity theft. While technology and social factors contribute to the reasons for this trend, it’s also important to realize that many seniors have accumulated a certain amount of wealth, making them a primary target for criminals. For this reason, Baywoods of Annapolis has compiled a list of 4 ways you can lower your risk for identity theft and fraud schemes. Identity Protection Services – This is one of the easiest ways to protect yourself or your loved ones from identity theft. These services monitor credit bureaus, personal information, the internet, and a variety of other platforms to help ensure your identity is protected. According to NextAdvisor, the top 3 are: IdentityGuard Experian Lifelock Phone & Door-to-Door Scams – Two of the most common scams targeting seniors are from unwanted callers or salespeople going door-to-door. There are two quick and easy ways to avoid these scams: Never provide someone who called you with your personal information. If they represent they are with the bank of credit card company, hang up and
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