Take this Chair & Rock It!



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“Will you still need me? / Will you still feed me? / When I’m 64? The Beatles’ popular tune hit the charts half a century ago (amazing, isn’t it?) during a youth-focused era when the advanced age of 64 seemed ancient to those whose mantra was, “Don’t trust anyone over 30.”

Now Beatle Paul McCartney is a decade older than the song lyric, and just performed as part of an all-star line-up at Oldchella, a septuagenarian songfest that proved aging is a state of mind — especially if you’re among the Boomer generation, now 53-70 years old and 78 million strong.

Teachable Moments from Ageist Behavior

reverse mortgage newsBut ageism persists like shower mold, no matter how much effort we put into cleansing mass perception. And one 64-year-old is not going to take it anymore. Ashton Applewhite just published This Chair Rocks: A Manifesto Against Ageism, and says someone telling her she “looks good for her age,” is a teachable moment in which to evolve ageist stereotypes and language.

In this time of massive social upheaval, Applewhite’s book is a breath of “fresh old air” for seniors, who, says the author, might better be called “olders” — because that’s what they are, and there is no shame in naming the life stage accurately. While seniors themselves have come up with numerous creative reframes for positive aging, it’s heartening to watch an author and activist use deep research to debunk myth after myth about later life, explaining the roots of ageism and how it divides and debases. She’s calling for “age pride” in the same way the women’s movement once called for consciousness-raising.

But she doesn’t expect everyone to jump onboard and agitate for social justice, which is good news for your reverse mortgage clients and prospects who are more introspective. The important point is to consider the information, and enter the conversation. “Everyone is aging, so the number of people who are open to thinking about this is enormous, and that’s the base of a movement. They could be butchers, they could be astronauts, they could be young and they could be old. Ageism cuts both ways and affects everyone, which is fundamental.”

Regardless of our current age, we can each become an old person in training, says Applewhite. “It’s just a mental trick, a way of connecting empathetically and imaginatively to your future self.

“The earlier we make that leap, the sooner our lives are stripped of the reflexive dread that makes aging in America so much harder than it has to be. You glimpse the territory ahead with an open mind, and you’re off and running. I think that’s powerful.”

A Tasteful Way to Tackle Ageism

There are myriad creative ways to implement Applewhite’s advice, such as what this New York City restaurant is doing: hiring grandmas in lieu of chefs! The “bevy of babushkas” is the brainchild of restaurateur Jody Scaravella, whose grandmother cooks hail from thirty cultures around the world, including Argentina, Algeria, Syria, the Dominican Republic, Poland, Liberia, Nigeria — and, of course, Italy. A pair of seasoned grandmas prepares each night’s fare.

Does hiring these mature women — “olders”, per Applewhite — work? “Each time these ladies are in the kitchen cooking, you have hundreds of years of culture coming out of their fingertips,” Scaravella says. “‘I regularly get phone calls from Australia, from England, and from Italy to book reservations. I’m always flattered by that’. And at the end of the night, there are often standing ovations for the nonnas – and the token grandpa, Giuseppe Freya, who hails from Calabria and makes all the pasta.”

The real question is: are the grandmothers wearing jeans while they cook?

Generating Senior Holiday Spirit



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6 Tips to spread holiday cheer

reverse mortgage newsEggnog and mulled wine, a groaning table of goodies, family and friends visiting from afar, heartfelt gifts to share along with the love. That’s the Hollywood version of the holidays (perhaps because both words begin with “hol-“). But it’s often a far cry from what seniors experience at this time of year.

Even if the elders in your sphere are in good health, they may be grieving a spouse or other loved one, concerned about dwindling finances if they’re unaware of the reverse mortgage option, or remembering holidays past, when life was very different.

Here are half a dozen simple, effective ways you can enhance a senior’s quality of life during the holiday season:

  1. Reach out and connect, or reconnect. It sounds almost too basic, yet is the easiest to overlook: call or visit a senior who could use the company. This might be someone who received a reverse mortgage loan several years ago, whom you haven’t spoken with in awhile. Be sure to bring a gift relevant to the person or couple in question, such as the pecan pie you know s/he loves, or a book by an author they enjoy. A half-hour visit might be a drop in the bucket in your busy day — and could be the highlight of the senior’s week or month.
  2. Talk about the past. Exploring happy memories not only reconnects elders with who they used to be in a positive way, it actually helps brighten the brain, and can be especially useful for people with mild cognitive impairment, who may more easily recall what transpired forty years ago than what took place last week.
  3. Send humorous greetings. Do you receive email forwards of bad jokes or cute animals? Email forwards have become increasingly popular among the silver set, now that technology is second nature, even for people in their 80s and 90s. In addition to sending snail-mail cards to your current reverse mortgage clients and prospects who aren’t (yet) online, consider sending e-cards to those prospects and clients who are digitally adept. A number of sites offer e-cards both as a paid subscriber and at no cost. American Greetings offers a free trial, and 123 Greetings offers some cards for free.
  4. Host a gathering. A holiday open house is a delightful way to show appreciation for clients, potential clients, referral resources and friends. Keep it simple and hold it during daylight hours, so it’s easier for seniors to get there (many no longer drive after dark). If possible, arrange for pick-up and return for those who would like to attend but do not have transportation. Your community may offer a Paratransit bus, or senior car service. Aim to serve healthy (and denture-friendly) finger foods, so you contribute to senior nutrition  — which has an effect on mood.
  5. Volunteer. Community service is especially welcome during the holidays, when extra hands and attentive ears are greatly valued. Your local senior center, or another community group that caters to older adults, will be grateful for any time you can devote to their members. Simply showing up and listening to seniors talk for an hour is a gift.
  6. Reduce your own stress. Finally, remember that we’re all affected by one another’s emotional state — particularly seniors who may already be feeling lonely, or who may have early-stage dementia. The more you can uplift your own state of mind during this season (meditation? yoga? walks in the park? playing with your kids or your dog?), the more peace and joy you’ll be able to bring into the lives of the seniors you serve.

Happy holidays!

Becoming Bionic


PRC Title settlement reverse mortgages reverse mortgage newsLong before “android” referred to a mobile operating system, it described an AI on the TV series, Star Trek: The Next Generation. In one episode, the android, Commander Data, created a child. The results were amusing, because, while the young android may have been an artificial life form, she possessed the learning curve of a human infant when it came to understanding behavior — or how to eat.

Viewers accepted the premise that one android could create another since Data’s “positronic” brain was no match for a puny human one. And this was taking place in the 24th century.

While it’s true that Data evolved considerably during the show’s seven-year run, eventually even acquiring a sense of humor, at heart (or whatever mechanical substitute was embedded in its place), Data was still a highly developed AI.

But for humans, the moment has arrived: it’s now possible for people to become bionic — which is especially good news for seniors.

No Skeletons in the Closet

One company innovating for people who’ve had strokes or spinal cord injuries is Ekso Bionics, a global pioneer in the field of robotic exoskeletons. These products unlock human strength and potential, amplifying mobility and endurance. In 2016, Ekso Bionics received the first FDA clearance exoskeleton for use with stroke and spinal cord injury levels to C7.

reverse mortgage news
Ekso Bionics exoskeleton

Watch this incredible 3-minute video, in which an Ekso Bionics patient says, “I was walking before, but nothing like this.”

Of course, it always helps to go straight to the source, or in this case, to have the source come to you: a 92-year-old former Army occupational therapist who became an industrial designer by default. When Barbara Beskind couldn’t reach foods in the very back of her refrigerator, she installed a lazy Susan on the inside shelf. Because she has macular degeneration, Beskind also attached small tactile “bumps” to certain buttons on her phone to make it easier to answer and make calls.

Clearly, Beskind embodies the ingenuity to adapt to her evolving needs. And now, she’s helping gerontologists hack the trials of aging.

Then there is the new breed of medical device companies, which go a step beyond walkers and shower chairs. While a senior’s exoskeleton is being constructed (or if they only need mild assistance at this time), Vive Health offers everything from lumbar support cushions to safety alarms, arthritis compression gloves to balance discs, and much more.

Emotional resilience

And perhaps “bionic” applies to marriage longevity as well, especially in retirement. One couple recently celebrated their 77-year union. The pair of centenarians “have their own sense of humor, which we enjoy,” says their eldest son, himself a longtime senior at 76. One of the couple’s eighteen grandchildren offers this insight: “They care for each other from the bottom of their hearts. They live and breathe each other, so I think that has kept them going. They are very caring, loving and giving.”

We may have to wait a few more years for androids of Data’s caliber to become commonplace. But bionic seniors of every stripe are possible now. So if someone who looks part Borg contacts your office for a reverse mortgage, you’ll be prepared.

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Reach Out & Touch Someone

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As we approach Thanksgiving, the old telephone company slogan is apt, especially when it comes to elders, who may not make new friends as their old friends die or move away.

There’s a powerful quote attributed to Audrey Hepburn: “As you grow older, you will discover you have two hands: one for helping yourself, the other for helping others.”

Traditionally, Thanksgiving was a time to express gratitude for the prior year’s harvest. Perhaps our own sense of sufficiency, whether in terms of friends or finances, stems from how grateful we are the rest of the year for gifts already received: gratitude itself is a form of largesse. Being thankful shifts our focus from lack to abundance, and aligns (or realigns) us with our values.

Alone or All One: A Subtle Shift 

Indigenous cultures inherently model this sense of sufficiency. Because they live close to Nature, they haven’t lost touch with their own nature. The philosophy “unto the seventh generation” holds that in all of our decisions, we should consider the impact seven generations in the future (approximately 140 years). It’s a concept often lost in a culture of immediacy. What it means is that in lieu of feasting until our bellies are bloated and then spending the following day shopping till we drop, there are other ways to show gratitude for a good harvest, metaphorically as well as literally.

How might reverse mortgage professionals help alleviate the epidemic of loneliness among seniors today, and fulfill Hepburn’s maxim? Here is one LO’s example:

“Last week I visited a male friend who is now 102 years old and undergoing rehab treatment in a restorative care facility. We have been friends for many years, and he is someone I greatly admire. He was in bed and weak, but clearheaded, retaining his sense of humor. I was there for a short while and brought him a bag of Hershey miniatures — his favorites.

“After I left, I thought to myself, ‘I sure feel good about this visit, and I know he did as well.’

“Another example is a family friend in failing health, whose activities are severely limited now. Her diet is restricted as well. I decided to make a batch of chicken salad for her and her caregiver — no salt added — and brought it to her. She was just thrilled. Again: the fact that someone was thinking about her and cared.

“My point is:

  • We need to value our friends with action.
  • People in recovery need some contact with the outside world to know they are not forgotten.
  • It makes us feel good inside, and we should set aside time from our own busy schedules to be supportive of others when they need it.

“We help others through our work, but sometimes we don’t do enough for our families and our friends.”

Enough Love to Spare and Share

Inspirational speaker and author Bob Perks’ signature story, “I Wish You Enough” also exemplifies the inestimable value of this essential connection to those we care about, particularly seniors.

Perks overheard a father and daughter saying goodbye at the airport. They hugged, and the dad said, “I love you. I wish you enough.” She, in turn said, “Daddy, our life together has been more than enough. Your love is all I ever needed. I wish you enough, too, Daddy.”

After the daughter departed, the father, struggling to contain his tears, shared that this was a final farewell. Perks asked why.

“I am old and she lives much too far away. The reality is, the next trip back would be for my funeral,” he said.

Perks then questioned, “When you were saying goodbye I heard you say, ‘I wish you enough.’ May I ask what that means?

“He began to smile. ‘That’s a wish that has been handed down from other generations. My parents used to say it to everyone.’ He paused for a moment, and looking up as if trying to remember it in detail, he smiled even more. ‘When we said “I wish you enough,” we were wanting the other person to have a life filled with just enough good things to sustain them,’ he continued, and then turning toward me he shared the following as if he were reciting it from memory.

“I wish you enough sun to keep your attitude bright.

I wish you enough rain to appreciate the sun more.

I wish you enough happiness to keep your spirit alive.

I wish you enough pain so that the smallest joys in life appear much bigger.

I wish you enough gain to satisfy your wanting.

I wish you enough loss to appreciate all that you possess.

I wish enough ‘Hello’s’ to get you through the final ‘Goodbye.'”

Giving and Receiving the Gift

This Thanksgiving, no matter where you are, no matter what your circumstances, decide to celebrate your life, and the lives of those you serve, whether in the capacity of HECM loan originator, as a friend, or both. Rejoice in the enough-ness that you are, simply by virtue of being alive. Give the gift of enough to those you love, and allow your gratitude to expand in every direction.

That’s the true Thanksgiving spirit, hands down.

Discreet Tech for Dapper Elders


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Part Two: New Boons to Aging in Place

“I had to replace all kinds of lights this week,” a father told his daughter when they spoke on the weekend. “It seems every bulb in this 50-year-old house blew at the same time, including the floodlights.”

She listened to his recital with growing concern and only one thought in mind: “Dad, were you climbing on a ladder to change these bulbs?” “Yes, but only a few steps. No big deal,” he replied. She explained that while he was in good shape for his age, elder bodies, like old light bulbs, can suddenly falter without warning — and ladders are dangerous at any age. He wouldn’t hear it, declaring he was fit as a fiddle and she was worrying needlessly.

Aging isn’t what it used to bereverse mortgage news

Granted, this is not your parents’ (or grandparents’) aging process. But as we noted in New Boons to Aging in Place / Part 1, more than half of those 80-plus fall every year — and they’re not climbing on ladders. What’s the solution? Discreet elder tech.

Here are four leading-edge solutions that reverse mortgage professionals may want to suggest, as appropriate, to prospects, clients, family members and other seniors in your sphere of influence.

PERS for the home

Consider EchoCare, which describes itself as “an elderly care home observer.” This non-intrusive PERS (personal emergency response system) issues automatic alerts for safety and emergency situations — and includes a disruptive fall detector with a very low rate of false alarm. The best feature for seniors who bristle at wearing a PERS pendant, watch or other device? It’s non-wearable.

Once installed in a standard-size senior apartment, EchoCare continuously monitors four essential body indicators (location, posture, motion, respiration) using a low-power radio frequency sensor that does not compromise the resident’s privacy. When the system determines an emergency situation has occurred, it sends an alert to the designated contact person. In addition to being a resource for falls, EchoCare also recognizes situations such as sleep stress (e.g., sleep apnea), prolonged time in the bathroom, hyperventilation, and no time in the kitchen (is the senior eating properly?).

Diagnosis before disease 

Some seniors might not mind a PERS, wearable or home-based, but may object to going to the doctor if they feel fine. Iowa startup ITR Diagnostics is addressing non-invasive medicine by developing digital biomarker panels to help physicians and researchers identify and monitor patients with neurological diseases (such as Parkinson’s disease). During an annual checkup, doctors will be able to detect serious disease years before it develops.

Early detection and diagnosis, especially with neurologic conditions such as Parkinson’s, which are often not diagnosed until late in disease progression, will allow people to make changes sooner that can benefit their health and overall quality of life.

Data-driven support for families 

What if an elder’s family members need support? MyndYou is a mobile platform that monitors cognitive, physiological and behavioral parameters to provide data-driven dementia care insights.

Its first feature is MyndYourDrive, designed to alert families of people with early stage cognitive deterioration about when someone needs to relinquish the car keys. As we’ve explored, giving up the independence of driving can be devastating for seniors. Yet with or without cognitive impairment, seniors are outliving their ability to drive safely by an average of 7 to 10 years, according to the AAA (American Automobile Association). Now families will have data to back up their concerns.

Like hearing aids for the eyes

Finally, NuEyes has developed smartglasses to help the visually impaired see again. While not safe to use on the road, NuEyes (built by two veterans using technologies originally designed for military use) works with someone’s existing prescription eyeglasses and functions similar to a tablet or smartphone, streaming images via a built-in digital camera. NuEyes look somewhat like VR (virtual reality) goggles — and to a person with low vision, may feel like that when they first put them on and experience the joy of seeing again.

It may not be possible to keep determined seniors from performing the household tasks or living the lifestyle they’ve managed successfully for seven, eight, or nine decades. But at least the support to monitor such activity is becoming available for families’ peace of mind.

Elder Cool is Red Hot!



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Last month we discussed how grandparenthood is shifting radically from “the old days”. Maybe age really is just a number…

sc4Could the following elders be the next level of “whither grandparenthood”?

• Dame Judi Dench got her first tattoo at 81. It was a birthday present from her 43-year-old daughter. The actress had her favorite saying, “Carpe diem”, inked onto her wrist — although her costars, carping, you might say, on her eccentricity, insisted the tattoo said, “Fish of the day.” But even her creative achievement pales in comparison with this British great-grandfather, who got his first tattoo at 104!
• Indefatigable Betty White, 94, honored female rapper Queen Latifah by giving a dramatic reading of the latter’s hip-hop lyrics. Listening to White recite these words with such conviction is not only inspiring — it galvanizes respect.
• Norman Lear, the creator of some of the most successful sitcoms of all time, is still producing television shows at 94. Like Dench and White, he possesses a wonderful sense of humor. He says, “Often I’ll get undressed and look at myself, dissatisfied but amused — and I’ll sing and dance alone, in front of a full-length mirror. And I have wondered, for a great many years, how do we know that’s not the secret to longevity?” In this engaging 9-minute video, Lear auditions senior actors for “Guess Who Died?”, a show about the elderly that, he avers, “Nobody wants.”

Yet death itself is apparently becoming cool. Thanks to the Internet, obituaries now have an afterlife. We’ve discussed what happens to someone’s digital assets when they die — but the obits are going viral.

The weekend after legendary boxer Muhammad Ali died, Legacy.com published a 600-word obituary. However, nearly a million obituaries on the site received hits from the curious. The Legacy.com stories read like lifestyle blog posts and include pictures, which help draw readers in. The departed live on, in digital perpetuity.

The Second Half May Be the Best

Granville Stanley Hall, who essentially invented adolescence at the beginning of the 20th century with a landmark book by that title — when he himself was 60 — subsequently created the concept of senescence as well, publishing Senescence: The Last Half of Life at age 76. Even a century ago, Hall viewed later life with the same sense of renewal and possibility as Dench, White and Lear. He wrote,

“Modern man was not meant to do his best work before forty but is by nature, and is becoming more and more so, an afternoon and evening worker.” (And he’s not referring to shift work!)

“Not only with many personal questions but with most of the harder and more complex problems that affect humanity we rarely come to anything like a masterly grip till the shadows begin to slant eastward, and for a season, which varies greatly with individuals, our powers increase as the shadows lengthen.” Indeed, Hall’s greatest creativity and achievement came after age 50.

Hall’s words will be heartening for reverse mortgage professionals and the seniors they serve. Clearly, with the right perspective, we can use our gifts fully right to the very end (Hall published Senescence just two years before he died.)

Oh — and if you or an elder you know is considering getting that first tattoo, be sure you get the spelling right. Carpe diem!

How Tech is Transforming Lives

“Don’t disturb me now, I’m doing my online banking”


In 2016, a digitally savvy senior might well say this to her visiting children as she efficiently handles laptop financial transactions that once required a trip to the bank. Second only to email, online banking is extremely popular amongreverse mortgage news Dutch elders, according to a recent survey, which found that 75% of seniors use a computer (desktop or laptop) daily. More than half (57%) use either a smartphone or tablet every day.

Surfing the web is also a popular pastime, with app use far down the list. The researchers posit that the trio of favored digital functions fill a need “for which there are no good alternatives in the analog world.”

The digital answer to dementia 

Indeed, as digital devices and the Internet continue to mature, ease of use and innovation open the door to unlimited possibilities for seniors, such as Echo for dementia, which gives harried caregivers a break by responding much as they would — minus the frustration from endless repetition, because Echo is a device! Echo can:

• Answer simple questions such as, “What day is it?” or “What time is it?”
• Play music and read audiobooks, without any need for complicated controls
• Tell jokes
• Looks up information, e.g., “What’s on TV tonight?”
• Report traffic and weather

Rick Phelps, 63, who has had Early Onset Alzheimer’s Disease (EOAD) since 2010, calls Echo a godsend. He bought one in February 2016, and writes in his blog, “It has afforded me something that I have lost. Memory. I can ask anything and I get the answer instantly. And I can ask it what day it is twenty times a day and I will still get the same correct answer.”

This digital personal assistant can remind someone to take their medication, at the same time every day, once it’s been given this instruction — a great relief for loved ones who worry that post-it notes are no longer effective.

It also gives older adults with mobility issues or health conditions such as Parkinson’s greater control over their environment, and hence more independence.

What the well-dressed senior will be wearing this season

Wearables now go far beyond watches. In the pipeline are Proximity badges (for those who haven’t invested in an Echo, or perhaps are no longer able to use it) and a hip protector belt that contains a folded airbag (yes, really!). This short video describes how motion sensors detect a human fall in progress and deploy the airbag to prevent a hip fracture — possibly saving a senior’s life.

Similarly, this device enables people with peripheral neuropathy, which can make walking difficult, to walk safely again.

Then there are the “unmentionable” problems, such as leaky bowels. One tech innovator is working on a device to predict bowel movements, so someone can be alerted and get to a bathroom in time.

What about people with severe hearing loss or those who are deaf/mute? People who use American Sign Language (ASL) can don these incredible gloves that translate ASL into text and speech, using sensors and Bluetooth processing. It’s the first such commercial sign language translator on the market. As the young inventors state, “We believe access, and inclusiveness, are catalysts for change.”

The accidental tourist redux

Finally, for the adventurous who may not have the financial resources, physical ability, or desire to travel and explore new worlds, there will be armchair travel via a new merged reality: a mash-up of fantasy, technology, biology and 3D. Magic Leap will permit people to travel via MR: mixed reality. Special goggles trick the brain into thinking it is seeing 3D reality. Its creator calls this, “dreaming with your eyes open.” And like many of the visionary wearables for senior safety and communication, it’s still in development — but not that far away, especially if you’re wearing the special goggles.

While your reverse mortgage clients and prospects look forward to these tremendous technovations, they can keep track of the milestones via their smartphones, tablets and laptops — once they’ve finished with email, banking and web surfing, of course.

Staying Fit as We Age

Aging in the Third Millenium: Part 2


If we’re going to live longer and make new friends to help us enjoy the journey, it only makes sense to keep our traveling vessels in excellent condition. Not the car; a vehicle we use even more often, but may not service as well: our bodies.

This fantastic four-minute video demonstrates how to “disrupt” aging, no matter what our age. It illumines the truth that how we perceive “old” has more to do with how we feel than with our chronology. And how we feel begins with taking care of the body. In fact, physical fitness is the highest projected growth area for senior health and wellness, with a predicted $8.2 billion in cumulative revenues between 2015 and 2020.

Stride Right

You know that “old person” shuffle? A new university study of masters level runners reveals what causes it. Stride length and running speed slow by about 20 percent from age 20 to 59 — and ankle power decreases by almost half during the same period. As we age, strength training can make a big difference.

The National Institutes of Health suggests a range of senior exercises to build endurance, strength, balance, and flexibility, for both upper and lower body. You can try this simple test for musculoskeletal strength if you’re over 50. The results might shock you.

Cut A Rug

Hiking the Appalachian Trail
Hiking the Appalachian Trail

One reverse mortgage professional, a longtime ballroom dancer, maintains that dancing is one of the best activities to help seasoned adults stay fit, as well as to meet new friends and have fun, and the research backs him up — for mental health as well as physical fitness. A study reported in the New England Journal of Medicine found that seniors who danced three to four times a week — especially those who ballroom danced — had a 75 percent lower risk of dementia compared with people who didn’t dance at all.

Despite a recent New York Times article debunking the “myth” that exercise builds strong bones, it’s still essential for good health, particularly for the older set. While bone growth may be minimal, weight-bearing exercise does decrease the risk of bone fracture, thanks to stronger muscles. And exercise has been shown to slow brain aging by a decade. So your reverse mortgage clients would be smart to tie on those dancing shoes.

Jump into Health and Fitness

A step back from dancing is bouncing. I’ve been rebounding, or jumping on a mini-trampoline, for more than 20 years. Like dancing, rebounding increases cardiovascular functioning, flexibility and balance, so seniors can jump for joy that they’re heart-smart, toned and able to touch their toes. The rebounder’s small size and taut mat make it easy to control movement, and it’s not necessary to bounce high for benefit: you can bounce without your feet ever leaving the mat.

Eighty-year-old cancer survivor Dr. James Rota explains the benefits of what he calls Bouncercise in this short video. My personal favorite rebounder for health and detoxification is made by Needak Rebounders, which offers an optional stabilizing bar attachment that creates a handhold for those who need additional support. Bouncing is a great way to protect precious elder knees, ankles and other joints while getting a full-body workout.

Take A Hike

If dancing or bouncing doesn’t get a senior’s groove on, perhaps the great outdoors holds more appeal. One septuagenarian hiked the 2180-plus mile Appalachian Trail in 2015 with his son, and brought home a backpack full of photos and once-in-a-lifetime memories to share at his local senior center. “Ironman Bill” braved ice, snow, and other weather challenges, took a brief break to nurse a knee injury, reveled in the astonishing beauty of nature, and returned with a strong sense of accomplishment.

Whatever form of fitness seniors choose, it’s important to stick with it as though they’re in training for the contact sport called aging — because we are.

 

Recommended Reading for Reverse Mortgage Clientele

We’ve covered retirement websites and family resources, but not books to help elders prepare for later life living. Here are thirteen suggestions, broken out by category, for timely and timeless reads reverse mortgage professionals may want to keep on their office shelves, or have as a handy list, to share with clients and prospects.

Note: While we’ve included Amazon links for easy reference, most of these titles will be available through local libraries, or via the nationwide interlibrary loan (ILL) system, so there’s no need for seniors to purchase a book unless they wish to own a copy.

Italicized passages are direct quotes from the books.

reverse mortgage newsPositive Aging

The Big Shift: Navigating the New Stage Beyond Midlife by Mark Freedman

In his landmark book, social entrepreneur Freedman, who coined the term “encore careers” to describe jobs people embrace in the second half, says our extended life span has introduced a new life stage.

The end of middle age is no longer, for most people, attached to the beginning of either retirement or old age. We’re in the early stages of a great migration…across time and the life course, as tens of millions (8,000 Baby Boomers turn 60 every day) reach the spot where middle age used to end and old age once began.

The Creative Age: Awakening Human Potential in the Second Half of Life by Gene Cohen

The unique combination of age, experience, and creativity can produce exciting inner growth and infinite potential for everyone, says Gene Cohen, MD, PhD. Weaving research with inspiring life stories and fresh insights, Dr. Cohen takes the reader into previously uncharted territory of human potential in the second half of life.

Creativity is a powerful inner resource that is not only possible in later life, but common.

From Age-ing to Sage-ing by Rabbi Zalman Schachter-Shalomi

Growing older does not automatically confer wisdom, but growing wiser is always possible, says Rabbi Schachter-Shalomi. To put an “s” in front of age, someone must consciously choose the path of “spiritual eldering.”

By activating their dormant powers of intuition, they become seers who feed wisdom back into society and guide the long-term reclamation project of healing our planet.

Journal of a Solitude by May Sarton

At 61, Sarton, already an accomplished poet and author, published this diary-like memoir that pulls no punches about life, living alone, romantic love, and the creative process. It’s the kind of book one can read and re-read at various life stages (I first read it in my twenties.)

Friends, even passionate love, are not my real life, unless there is time alone in which to explore what is happening or what has happened. I hope to break through into the rough, rocky depths, to the matrix itself. There is violence there and anger never resolved. My need to be alone is balanced against my fear of what will happen when suddenly I enter the huge empty silence if I cannot find support there.

The Measure of My Days by Florida Scott-Maxwell

I read Scott-Maxwell’s classic at age 24, when her perspective was sixty years in my future. A playwright and Jungian analyst, she discusses the unique predicament of one’s later years: when the body may rebel but the mind is still vital and passionate.

You need only claim the events of your life to make yourself yours. When you truly possess all you have been and done … you are fierce with reality.

Ripening Time: Inside Stories for Aging with Grace by Sherry Ruth Anderson

How do we become elders in the truest sense, and not simply old? Anderson, who wrote this book in her 70s, says it’s an inner sense of relaxation, a letting go of thinking we’re the center of the universe, a generativity towards those who will follow.

We’re a new fruit. To reach the true harvest of our lives, the point is not to know the map but to be the map. The point is to mature not for ourselves alone but for all our kin, all those who have gone before us and the children of the future.

Health/Nutrition/Fitness

Loving Yourself to Great Health by Louise Hay

At 89, best-selling author and personal growth pioneer Louise Hay is in exceptional good health — and decades ago, she conquered cancer. In this book that transcends fads, diets and dogma, Hay, together with two health and nutrition professionals, shows us how to take our health, moods, and energy to the next level, whatever our age.

Safe 4 Retirement by Jack Tatar

When Tatar lost both his parents within six months, it set him on a course to discover what really makes retirement work. In this book, he covers the four pillars he believes make for a successful retirement: financial preparedness, health/wellness, mental attitude, and social involvement. A friendly, informal read packed with research and experience you can use today to enrich your retirement tomorrows.

Preparing for Death

Being Mortal: Medicine and What Matters in the End by Atul Gawande

Old age is not a disease, though modern medicine has been treating it as one, argues Harvard Medical school professor and surgeon Atul Gawande in his compelling bestseller. Worth reading at any age and life stage.

“We’ve been wrong about what our job is in medicine. We think [it] is to ensure health and survival. But really it…is to enable well-being. And well-being is about the reasons one wishes to be alive. Those reasons matter not just at the end of life, or when debility comes, but all along the way.”

Can’t We Talk About Something More Pleasant? by Roz Chast

In this graphic memoir, New Yorker magazine cartoonist Roz Chast tackles her parents’ decline into old age and death with a humor and humility that makes the book an astonishing read, filled with more beauty than pathos, poignant yet positive. Her signature drawings balance the serious subject matter.

My mother belonged to a Poetry Club. She also played classical piano in a group that, to all the members’ amusement, was called Classical Pianists in Retirement: CPR.

Deathing: An Intelligent Alternative for the Final Moments of Life by Anya Foos-Graber

This is a stunning work, especially comforting for people who may have no belief system or structure for facing life’s final ascent. It is an actual instruction manual for how to prepare for dying, and can be used to support a loved one who is close to transitioning, as well as for preparing for one’s own passage.

Ordinarily when people die, they are unprepared and uninformed; probably they are bewildered or frightened, especially if they are alone. Deathing offers a way to free up dying people so they can utilize the highest potential of the transition called death and experience it as a peak moment, a culmination of life. This deliberate, practical, yet spontaneous approach…can enable people to attain higher levels of consciousness.

Tuesdays With Morrie by Mitch Albom

Dubbed “the bestselling memoir of all time,” Albom’s touching tribute takes us though fourteen Tuesday visits with his beloved former professor, who is dying from ALS — and living more fully in his last year than many people do in a lifetime.

Have you ever really had a teacher? One who saw you as a rare but precious thing, a jewel that, with wisdom, could be polished to a proud shine? If you are lucky enough to find your way to such teachers, you will always find your way back. Sometimes it is only in your head. Sometimes it is right alongside their beds.

The last class of my old professor’s life took place once a week, in his home, by a window in his study where he could watch a small hibiscus plant shed its pink flowers. The class met on Tuesdays. No books were required. The subject was the meaning of life. It was taught from experience.

Fiction

The 100-Year-Old Man Who Climbed Out the Window and Disappeared by Jonas Jonasson

Allan Karlsson has lived an event-filled life, supping with heads of state on several continents. But, though he’s still healthy and mentally sound, he ends up in a nursing home that cramps his style. Thus on the morning of his 100th birthday, Allan spontaneously decides to escape by climbing out his bedroom window.

It’s no accident that “escape” is the root of escapade, because the hijinks that ensue are a laugh-out-loud testament to what friendship and a sense of adventure can create, at any age. The book is also historically well researched, and Allan’s insertion into actual world events may be quite amusing to those who lived through them the first time.

Have a favorite title that’s not on this list? Please share it in the Comments section, below!

Is It Time to Get Help?

Tools for Family Caregivers

As we explored last week, Millennials are at the forefront of easing the aging process for today’s elders, from tech innovations that enhance senior living communities, to apps that facilitate difficult end-of-life discussions.

But what happens even earlier in the process, when Mom or Dad (usually Dad!) refuses any sort of in-home help, except perhaps for the occasional housekeeper? How does a family know whether their loved one is truly safe living alone at an advanced age, even if he or she is still fairly healthy?

Nate O’Keefe had the same questions, so the Millennial entrepreneur founded Roobrik, a series of online decision tools designed to provide family caregivers with the information they need to make the right choices at the right time.

Roobrik offers a trio of assessment tools that help family members or concerned others (perhaps the senior’s reverse mortgage advisor, for example) determine whether changes to a senior’s lifestyle might be in order. Each tool scrolls through a series of questions, becoming more personalized with each response. Based on the respondents’ answers, Roobrik lets you know whether immediate intervention would be prudent, or if it’s safe to simply keep a watchful eye on the situation for now. The current tools include:

1. Is it time to get help?
2. Is it still safe to drive?
3. Is it dementia?

Preventing Exploitation

Tools such as Roobrik may also help reduce the incidence of elder abuse, which Chronic Care Advocacy calls “an under-reported epidemic” due to factors such as social isolation, lack of caregiver education, and reluctance to report. And it isn’t necessarily physical. According to the National Research Council, exploitation is the most common form of elder abuse.

The Older Americans Act defines exploitation as, “fraudulent or otherwise illegal, unauthorized, or improper act or process of an individual, including a caregiver or fiduciary, that uses the resources of an older individual for monetary or personal benefit, profit, or gain, or that results in depriving an older individual of rightful access to, or use of, benefits, resources, belongings, or assets.”

Protecting your reverse mortgage clients, prospects, and other seniors in your sphere begins with understanding the risk factors that innovators such as Roobrik are enabling families to assess, and knowing what preventive measures are available.

Caring for the Caregivers

While older adults with cognitive impairment may be at greatest risk of exploitation, a huge risk factor is caregiver stress and burnout. Some of the tech solutions to ease caregivers’ work can make all the difference, as can caregiver recognition that they can’t do it all, and need to care for themselves as well as for the elder in their charge.

In addition to communicating with other close friends and family members who can support the caregiver, the Office of Chronic Care Advocacy urges seniors to use professionals to ensure their financial and legal affairs are in order, including a properly drafted estate plan with safeguards in place.

When the circle of care extends to everyone involved — a network in the truest sense — elder loved ones, their families, caregivers, and professional associates will all be well served.