“Normal Aging vs. Dementia,†a free online workshop hosted in March by Pierce County and Aging and Disability Resources, aims to help people understand the signs and symptoms of normal aging compared to indicators of Alzheimer’s and other forms of dementia.
Organizers of the workshop, which is also available by phone, said being alert to the signs and what they mean can be instrumental in knowing what course of action to take, as well as providing peace of mind.
The presentation will be held twice:
March 18 at 6:30 p.m. Register online at http://bit.ly/3qNiMLM. Join by phone at 253-215-8782 or 888-788-0099. Webinar ID: 972 3158 3215.
March 20 at 9:30 a.m. Register online at http://bit.ly/3pgYwBU. Join by phone at 253-215-8782 or 888-788-0099. Webinar ID: 967 1614 1733
Advance registration is also available at 253-798-4600.
“Dementia is not a normal part of aging,†said Aaron Van Valkenburg, manager of county government’s Aging and Disability Resources. “Those awkward moments when we can’t remember a word or put a name to a face can be disconcerting. With the growth in the number of people living with Alzheimer’s and other dementias, it’s easy to be prematurely worried.â€
Slight changes in cognitive skills are considered a normal part of the aging process. Many thinking abilities appear to peak around age 30 and, on average, very subtly decline with age. Mild changes in cognition are considered a normal part of the aging process. On the other hand, dementia, the all-embracing term that includes Alzheimer’s, is a deterioration in memory, thinking, behavior, and the ability to perform everyday activities.
Research suggests there are important things people can do every day to maintain brain health. The combination of good nutrition, physical activity, and mental and social engagement may provide the most benefits. Nevertheless, knowing the signs and symptoms are essential, van Valkenburg said.
“Healthy Aging vs. Dementia†will be presented by the Dementia Services program of Lutheran Community Services Northwest.
AARP Foundation Tax-Aide has begun taking appointments for its free tax preparation and e-filing services. Due to the COVID-19 pandemic limitations, the traditional face-to-face meeting with a Tax-Aide counselor is being replaced with a contact-free approach.
Anyone wishing assistance with their tax preparation must first make an appointment. Washington  taxpayers can make an appointment by calling 888-OUR-AARP (888-687-2277) and leaving a voicemail message. A volunteer will call back to set up an appointment. Assistance may also be requested through the AARP Foundation Tax-Aide website. (www.aarpfoundation.org/taxaide).
All tax preparation interactions will take place via telephone and video conferencing. This free service will be offered through April 15.
Tax-Aide is capable of processing most personal tax returns, with some limited exceptions, “for anyone who needs help completing their tax return and filing it electronically,†said Terri Jones of Vancouver, AARP Tax-Aide Washington coordinator in Washington. “Our dedicated and certified volunteers will provide the same high-quality service as in years past, just in a different way to accommodate COVID-19.â€
Tax-Aide is an all-volunteer organization whose counselors are trained and certified by the IRS. Last year, they helped more than 25,000 taxpayers in Washington before all sites were closed in mid-March.
AARP Foundation Tax-Aide operates the nation’s largest volunteer-run free tax preparation service. Volunteers are IRS-certified every year to ensure they understand the latest changes to the U.S. Tax Code.
In 2020, 1.5 million taxpayers who used AARP Tax-Aide Foundation received more than $1 billion in income tax refunds. They also avoided any tax preparation fees and pitches for high-interest tax credit or “refund loans.†The service is offered in conjunction with the IRS, and AARP membership is not required.
Bruce Carlson, who wrote this article, is AARP Washington’s associate state director of communications.
Recent studies and surveys show that pre-retirees and retirees fear the following five threats to their retirement finances most — and with good reason.
Outliving your money.
The average 65-year-old will outlive their savings by almost a decade, according to a recent study by the World Economic Forum. To determine how much money you’ll need to have saved by the time you retire, a good guideline is the “Rule of 25,” which says you should multiply your total annual expenses by 25. By that measure, to have $100,000 per year (don’t forget to adjust for inflation) to spend in retirement, you’ll need to save $2.5 million. It’s also important to consider that you may live longer than you imagine; studies show people tend to underestimate their life expectancy.
Market risk.
If, like most people, you have a big portion of your assets in stock market investments and the market falls as you’re nearing or already in retirement, it will have a devastating impact on how much you can withdraw each year. You’ll be forced to cut back significantly on your retirement lifestyle, and/or you’ll have to work longer than you planned – possibly much longer.
Tax risk.
If you’re saving in tax-deferred accounts like 401(k)s, IRAs, and 403(b)s, you have no clue what your tax bill will be when you start taking withdrawals during retirement that could last 20 or 30 years. According to the Center for Retirement Research, after the IRS takes its cut, it’s a very big deal when people realize they only have two-thirds or three-quarters of what they thought they had. And that assumes tax rates don’t increase long-term.
Healthcare costs not covered by Medicare.
Even healthy 65-year-old couples face $500,000-plus in healthcare costs they will have to cover out of their own pockets (source: Fidelity and Genworth studies).
Policy changes.
These may include cuts to Social Security benefits and increases in the taxes retirees must pay on their benefits.
To bypass all of these risks, I recommend a wealth-building strategy of:
Guaranteed, predictable growth and retirement income.
Funds can be accessed tax-free, under current tax law.
Income from plans doesn’t cause your Social Security benefits to be taxed and doesn’t hike your Medicare premiums, unlike 401(k) and IRA withdrawals.
Guaranteed lifetime income options to ensure you won’t outlive your money. Can be structured to provide money to cover costs of care for chronic and terminal illnesses.
Pamela Yellen, who wrote this article, is the founder of Bank On Yourself (bankonyourself.com) and the author of two New York Times best-selling books.
Debbie Leung is here to tell you there is a place on the ice for everyone, no matter how old you are.
Leung is among older adults—some of the most seasoned in their 80s–in Washington and across the country who find fitness, camaraderie and friendly competition as ice skaters.
“It’s so much fun. I highly recommend that people of any age try it,†said Leung, who lives in Olympia and considers Sprinker Recreation Center in Spanaway her home rink.
Children and adults alike get their start in skating and, if they wish, wind up competing at the amateur level through Ice Sports Industry (ISI). Since its start in 1959 as a non-profit organization for owners, operators and developers of ice rinks, Plano, Texas-based ISI has added a learn-to-skate program that has introduced more than 10 million people to skating.
Sprinker, which is operated by Pierce County, has a membership in ISI. Sprinker’s director of skating, Janice Teodoro-Forbes, is a vice president of ISI’s Board of Directors. In Washington, other member rinks include Kingsgate Arena in Kirkland and Highland Ice Arena in Shoreline. The next closest rink is outside Washington, at Lloyd Center in Portland. By comparison, California has 14 rinks.
Sprinker was the site in 2019 of ISI’s West Coast Championships. Leung and other Washingtonians were among the 300-plus dance and freestyle competitors in the three-day event. They ranged in age from 3 to 73 and came from Alaska, California, Texas, Hawaii and Oregon.
For all of its regional and national competitions, ISI follows what it calls a simple philosophy: “Participation, not elimination.†Regardless of their ability, every skater can experience competing in front of an audience and judges, mainly for the fun of it in what is essentially a social club. The skaters meet people with “common interests and look forward to cultivating friendships year after year at competitions,†said Eileen Viglione, the communications manager for ISI.
She said ISI has a soft spot in its heart for “senior skaters. They really are an inspiration.â€
Leung, who counts inspiration from fellow skaters as part of her motivation whenever she straps on her blades, described the experience of being a senior on Ice in the following conversation with Senior Scene.
SS: How long have you been a competitive ice skater, and what got you involved in the sport?
“I loved watching ice skating competitions on TV. As a martial artist, some of the positions looked familiar, and I wondered what it would be like to try it, but I had never skated before. Then I got the best birthday present ever–my first ice skating lessons at Sprinker Recreation Center. I never thought I’d compete. I just wanted to learn cross-overs and maybe to skate backwards. But the way the group lessons are taught, when you learn one thing, you find out it is a stepping stone to the next thing, and before I knew it, I was doing baby jumps, then bigger jumps and beginning spins, then private lessons, then my coach asked for music for a program, and before I knew it she had me in a local competition. That was April 1997, I think.â€
SS: Where, and how much, do you practice?
“I practice at Sprinker. I used to skate three days a week, 90 minutes to two hours each time. Since about 2012, I’ve been skating two days a week, about two hours each day, but adding a day a week during the month before competing. With the pandemic, I’ve only skated a handful of times since last March. (Editor’s note: Sprinker has been closed periodically due to COVID-19 restrictions). I’m trying to stay in shape roller blading on the Chehalis-Western Trail once a week, depending on the weather, and riding my bicycle.â€
SS: Talk about the West Coast Championships at Sprinker Recreation Center and your other competitions.
“It was fun to have such a big adult competition at the rink (Sprinker) where I skate. I met a few skaters from across the country.
“The competitions I usually attend are Pacific Coast Adult Sectionals organized by USFS (U.S. Figure Skating, the national governing body of the sport), which travels to different regions of the west coast. I participate most years. The U.S. Adult Figure Skating Championships, also organized by USFS, is a big competition that is held at different rinks around the country, which I participated in annually for about 10 years, and now every couple years. Both of these are like annual reunions. The community built around these events is amazingly supportive. We watch each other perform and get to know each other in the stands. We throw little gifts to the skaters (tossies) when they take their bows at the end of their performances.
“The whole thing about adult competition and testing (USFS also created an adult testing program) is quite new. The first adult national championship was in 1995, and the organizers had no idea how many people would attend. They were inundated by hundreds of skaters. Since then, adult skating has skyrocketed, and our long-term dedication to skating provides a consistent clientele for rinks and coaches.
“There are some really good skaters doing double jumps and a very few doing triples, but most of the participants skate at a very basic level. Quite a few are in their 60s and up to 80. There is no upper age limit. Although there are qualifying events, most aren’t, in that anyone who has passed a pretty basic level through testing can participate. You don’t have to be good to participate. I try to encourage other adult skaters to try it because although competing is nerve-wracking, it’s also really fun, and the camaraderie is amazing.â€
SS: What motivates you? Is it the competition, the active-life and physical benefits, camaraderie of other skaters? Something else?
“It’s all those things! I very seldom skip my scheduled skating sessions. When I’m at the rink, the stress and worries of life go away. Many adults who skate talk about it being their therapy. Learning new moves and steps is difficult at our age, and progress is slow, but just doing it, trying to improve our skills and learn new things with the incremental improvements is so rewarding and fun. It can take a lot of concentration, making time fly by. It’s so much fun, and I’m so focused on what I’m doing that I don’t even think of it as exercise, even though it works flexibility, balance, and strength, is also aerobic and includes music. It also keeps our minds active to remember choreography and remember all that the coach tells you. Few people outside of skating understand our addiction to it and its joys and frustrations, which makes the skating community special and tight, especially among the adults, since skating isn’t usually thought of as an adult sport.
“Many adults skate just for fun. The ones that come regularly usually take classes or private lessons with a coach. Some also test, which motivates them to keep practicing. In addition to just loving to skate, I find that I need tangible goals to keep me practicing well. And being ready to do the moves in the tests I’m working on is too far into the future, which is why I compete. Plus I like working on programs, putting the moves I can do to music. Once I started traveling to competitions since there are few adult competitions here locally, I met many adult skaters, usually the ones my age and ability because they are the ones I compete with. Everyone is very supportive and we’ve become good friends. Part of competing is to see and be with each other.â€
SS: What would you say to anyone, seniors included, who would like to try skating?
“I recommend taking lessons. Group lessons are relatively inexpensive, and learning the basics makes it so fun and satisfying. Soon you make friends and glide on the ice, which feels so freeing and amazing. It’s so much fun you don’t realize you’re exercising. I do advise adults skating for the first time, or the first time in a while, to wear wrist guards and a helmet.â€
Debbie Leung of Olympia competing at an international adult ice skating event in Vancouver, B.C.