Category: Uncategorized

  • Resolve To Get Ready For Retirement

    Financial Health

    It’s never too early or too late.

    Whether you are in your 30s, 40s, 50s, or even your 60s, plan for your retirement. Research shows that people who think about and plan for retirement save more than those who don’t.

    Add up all sources of monthly income.

    *  Social Security. Find out how much you will get, monthly, from the Social Security. This depends on your work history and if you choose to start getting benefits at age 62 or your full retirement age (65, 66, or 67) or wait until age 70. A yearly statement mailed to you gives this information. Or, find out from Social Security benefit calculators atwww.socialsecurity.gov/retire2/index.htmandwww.socialsecurity.gov/planners/index.htm#a0=1. Do the same for a partner who will also receive Social Security benefits. In general, the amount you receive for Social Security retirement accounts for about 40 percent of your pre-retirement earnings.  $____

    *  Private pensions from all employers  $____

    *  Personal savings. This includes money you have  in the bank and earnings on 401(k)s, 403(b)s,  traditional and Roth IRAs, and other investments:  $____

    *  Cash value life insurance. These are whole life or variable life policies.  $____

    *  Part-time income you and/or your partner expect to make.   $____

    Total monthly sources of income:   $____

    You do the math:

    Total monthly income needed:  $______

    Subtract total monthly sources of income:  – $______

    How much you’ll need to make up for each retirement month:  = $______

    Plan, now, ways to earn and/or save more for retirement.

    Figure out how much you’ll need.

    According to the Employee Benefit Research Institute, 56 percent of workers have no idea how much they need to save for retirement. On average, people need at least 70 percent of their yearly pre-retirement income. This can vary, depending on your age and needs. You will need more if you need to pay for your medical care. To estimate how much you might need, use a tool atwww.choosetosave.org/ballpark. Other calculators to help you plan can be found atwww.choosetosave.org/calculators. Include estimates for health care and other costs, such as a new car and home repairs. {Note: It will be easier to get a car loan if you buy the car while you are still employed.}

    Total monthly income needed:  $____

    Action Step

    Make an appointment with a financial planner at work or on your own to discuss retirement saving options that best meet your needs.

    Ways to Well-Being book by the American Institute for Preventive Medicine. www.HealthyLife.com. All rights reserved.

    © American Institute for Preventive Medicine

  • Blood Cancer: Key Facts

    MEDICAL NEWS

    Illustration of cancer attacking blood cells.

    Your blood is made up of many different types of cells. These include red blood cells, white blood cells, and platelets. White blood cells protect the body from harmful substances and prevent infections.

    Blood cancer is caused by the uncontrolled growth of abnormal white blood cells. The abnormal cells do not work properly, preventing them from carrying out their essential functions. As the dysfunctional cells accumulate in the blood, they crowd out healthy cells.

    It’s important to know what signs and symptoms to look for. Be sure to check with your doctor if you have any questions or concerns about blood cancer.

    Three main types of blood cancer

    Leukemia

    Leukemia is cancer that affects the bone marrow where blood cells are made. From the bone marrow, it spreads to the blood and can affect other organs.

    Lymphoma

    This type of blood cancer impacts the white blood cells in the lymphatic system. There are two types of lymphoma: Hodgkin, which spreads directly from one lymph node to another, and Non-Hodgkin, which spreads erratically through the lymph nodes.

    Multiple myeloma

    Myeloma affects plasma cells. These are white blood cells that produce antibodies to fight infections. When the plasma cells don’t function correctly, the body’s immune system doesn’t work properly.

    Symptoms of blood cancer

    Talk to your doctor if you experience the following:

    *  Fatigue

    *  Fever

    *  Unexplained weight loss

    *  Bone pain

    *  Swollen lymph nodes

    *  Frequent infections

    Survival rates have steadily increased

    Fifty years ago, there were few successful treatments for blood cancer. Now, there is a range of treatment options available, and more people achieve remission than ever before. Early detection and improved treatments have increased five-year survival rates and provide hope for the future.

    © American Institute for Preventive Medicine

  • The Facts About Donating Organs

    MEDICAL NEWS

    Illustration of organs.

    Thousands of children and adults are in need of an organ transplant. The biggest needs are for kidneys, followed by livers.

    Being an organ donor

    Adults over the age of 18 can register at organdonor.gov. Select your state and register. Organ donors who are under age 18 will need authorization from their parents. You can always go back to the website later and change your organ donation status, too.

    People with health conditions can donate

    Having a health issue doesn’t mean you can’t be an organ donor. People with many different health conditions have been successful organ donors. The transplant team can decide which organs can be used – and even one organ can save a life.

    Tell friends & family

    Sometimes a person is registered to be a donor, but their loved ones don’t know. Then, they don’t allow the organs to be donated when a person dies. If you’re serious about donating your organs, make sure you tell your close relatives and friends.

    Medical care

    The medical team who cares for a person at a hospital is separate from the organ transplant team. Every possible effort is made to save a person’s life, regardless of their organ donation wishes.

    No costs to an organ donor’s family

    Any costs related to an organ transplant are paid by the recipient. Their costs are usually paid by their insurance.

    Organ donation doesn’t interfere with funeral wishes

    Organs are carefully removed with surgery. People who are organ donors can still have an open casket funeral.

    Source: U.S. Department of Health & Human Services

    © American Institute for Preventive Medicine

  • Understanding Perimenopause

    MEDICAL NEWS

    Women outside looking out to the distance.

    Before a woman reaches menopause, she first goes through perimenopause. It is a time of adjustment as the body shifts away from the reproductive years. Preparing for these changes allows you to plan how to manage symptoms and find support.

    What is perimenopause?

    Perimenopause is the period of time when a woman’s body is gradually transitioning to menopause. It signals the end of the reproductive years and involves many physical and hormonal changes. When a woman’s period has been absent for a full 12 months, she has reached the end of perimenopause and is in post menopause.

    Every woman’s experience of perimenopause is different. Perimenopause can last for as little as four months to as long as ten years. The average length is about four to eight years. Many women begin perimenopause in their mid-forties though it can begin as late as their mid-fifties or as early as their mid-thirties.

    Symptoms

    *  Irregular or skipped periods

    *  Heavier or lighter periods

    *  Needing to urinate more frequently

    *  Hot flashes

    *  Vaginal dryness

    *  Difficulty sleeping

    *  Mood changes

    *  Changes in sexual desire

    *  PMS-like symptoms

    *  Trouble concentrating

    *  Headaches

    Manage Symptoms

    *  Eat a healthy, balanced diet with plenty of fruits, vegetables, and whole grains.

    *  Exercise regularly and include weight training at least two days a week to protect bone health.

    *  Watch for hot flash triggers such as alcohol or coffee.

    *  Establish healthy sleep habits.

    *  Seek ways to reduce stress, such as meditation, tai chi, or yoga.

    Treatment

    If symptoms are severe, your doctor may recommend additional treatment such as:

    *  Antidepressants to stabilize mood

    *  Low-dose birth control for irregular or heavy periods

    *  Hormone therapy to manage symptoms

    *  OTC or prescription medicine to address vaginal dryness or painful sex

    Pregnant during perimenopause

    Fertility naturally declines during perimenopause; however, it is still possible to conceive. The ovaries release fewer eggs, and fertility hormones gradually decrease, causing periods to become irregular. But, as long as you continue to have periods, it means you are still ovulating, and pregnancy is possible.

    © American Institute for Preventive Medicine

  • Prevent Firework Injuries

    WELL-BEING

    Two hands holding sparklers.

    Fireworks are all fun and games until someone gets hurt. In fact, fireworks start an average of 18,500 fires each year and cause thousands of injuries. However, those facts still don’t deter many people from buying and setting off fireworks each summer. To keep yourself and your family safe, practice these fireworks safety tips.

    Leave it to the professionals

    If you can, allow professionals to set off any fireworks. Attend a public fireworks event over trying to set up your own fireworks display.

    Keep children away

    If you are setting off your own fireworks, do not allow children to help and make sure everyone is at a safe distance.

    Say no to drugs and alcohol

    Do not set off any fireworks while impaired by drugs or alcohol. Or, ask someone else who is not impaired to set off the fireworks for you.

    Handle with care

    Do not hold the fireworks in your hands or set off indoors. Only use them away from people, houses and flammable material. Do not point or throw fireworks at another person and never ignite devices in a container.

    Stay away from defective fireworks

    Do not try to re-light or handle malfunctioning fireworks. Soak both used and unused fireworks in water for a few hours before discarding. Keep a bucket of water nearby to fully extinguish fireworks that don’t go off or use in case of fire.

    Sparklers are scary

    This popular pastime for children has proven to be one of the most dangerous. Sparklers burn at about 2,000 degrees – hot enough to melt some metals. They can ignite clothing and severely burn children who drop them on their feet. Safer alternatives to consider are glow sticks, confetti poppers and colored streamers.

    Source: National Safety Council

    © American Institute for Preventive Medicine