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WINTER 2016 LIVING 55 Plus in the North Okanagan Activate Your Life How To Get Ready For Retirement Exercising In Winter : Tips For Seniors

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Section Z of the January 31, 2016 edition of the Vernon Morning Star

TRANSCRIPT

Page 1: January 31, 2016

WINTER 2016

LIVING55 Plus

in the North Okanagan

Activate Your LifeHow ToGet Ready For Retirement

Exercising In Winter : Tips For Seniors

Page 2: January 31, 2016

Z2 Living 55 Plus Sunday, January 31, 2016 - The Morning Star

DR. APRIL SANDERS

Although I’m not ready to listen, my joints tell me that I’m at the wrong end of life. Like millions of others, I have osteoarthritis, a condition that is at best annoying and at worst prevents you from doing a whole lot of things. Joints have a limited time warranty and may wear out before the

rest of you is done.

What does one do to deal with osteoarthritis? Most sufferers take pills - Tylenol, opioids, anti-in� ammatories and various other pharmaceuticals. Medications help symptoms, but long term use may cause liver and kidney complications. Tolerance develops when opioids are used chronically, making higher doses necessary and the subsequent risks of addiction and depression more likely. Bracing can be helpful, but often pain, immobility or failure of interventions

leads to a surgical consultation and perhaps joint replacement.

My osteoarthritic wrist needs more surgery. When I discovered the next surgery involved fusion of the wrist, I was less enthusiastic. The prospects of being unable to bend my wrist and a lifetime of being forced to wave like the queen, left me lukewarm to that solution. Looking for another � x, I visited the local physiatrist (rehabilitation medicine specialist) and he suggested PRP (plasma rich platelet) therapy as a treatment that might improve my wrist function and decrease pain.

Around since the 1990s, PRP gained more widespread recognition when sports superstars Tiger Woods, Raphael Nadal, Alex Rodriguez and Kobe Bryant were treated successfully for such problems as

golfer’s elbow, tennis elbow, Achilles tendonitis, rotator cuff injury and other tendon and ligament injuries. Fortunately for me, PRP has a role in the treatment of osteoarthritis as well. The process is time ef� cient and straightforward. PRP therapy starts with withdrawal of your own blood. That blood is then centrifuged to separate out the red blood cells and leave behind a slurry of concentrated platelet rich plasma. Under accurate ultrasound guidance, the specialist visualizes the

problem area and injects it with the platelet rich plasma.

Platelets purportedly release “growth factors” that stimulate tissue repair via various mechanisms including increased collagen production, stem and tendon cell proliferation and improved blood � ow. As a result, tendons, cartilage and ligamentous injuries can repair, at least to some extent and pain, range of motion and function can improve.

It has been a year since my wrist was � rst injected and I have had signi� cant improvement in my range of motion and a decrease in pain. It is not a cure for my problem, but I am able to do many activities that were not previously available to me. PRP has allowed me to postpone any surgical fusion and for me, that is reason enough to recommend it.

Dr. April Sanders writes on a variety of topics for The Morning Star. She is a physician at Sanders Medical Inc. Vein and Laser in Vernon, B.C.

OSTEOARTHRITIS

250.549.42003915 31 St. Vernon • www.atwistofyarn.com • OPEN 10AM - 5PM

Time toWrap

Yourself in Creative Luxury!

Page 3: January 31, 2016

Living 55 Plus Sunday, January 31, 2016 - The Morning Star Z3

Initial 30 Minute

Consultation at

No Charge!

We offer a wide variety of information & resources pertaining to the care,

support & safety of seniors.

Let us help you sort through the many layers of growing older!

#116 – 3105 31 Street, Vernon | 778-475-1525 | www.montgomerycare.ca www.teadesire.com

Why Drink TEA Every Day?

Black TeaProtects lungs from damage caused by exposure to cigarette smoke. Reduces the risk of stroke.White TeaPotent anti-cancer properties compared to more processed teas.Oolong TeaLowers bad cholesterol levels and aids with weight loss.Pu-erh TeaAids with weight loss and reduces bad LDL cholesterol.

Vernon BC • (250) 542-5TEA

black tea • green teaoolong tea • white tea

blooming teaherbal & wellness

rooibos tea • mate teafruit infusions

organic • tea ware

Tea is the most widely consumed beverage in the world next to water.

Green TeaGreen Tea’s antioxidants protect against cancer. Prevents clogging of the arteries & lowers cholesterol. Burns fat.

#2, 4313A - 25 Ave, Vernon250-549-2337

facebook.com/DeVineVintners • www.devinevintners.com

Discover new award-winning wines from around the world, made here, enjoyed at home.

Enchant your palate.

Taste the

difference!

Raise a glass to your favourite wine,

made by You!

Vernon’s only Authorized winexpert™ retailer

Tax season is just around the bend and NexusBC can help! Through the Community Volunteer Income Tax Program, NexusBC Seniors Services volunteers help low-income seniors age 60+ by completing and submitting their basic annual income tax return. Not filing your income tax return can impact the benefits that seniors may be receiving such as the Guaranteed Income Supplement and the Shelter Aid for Elderly Renters. When the program first began 10 years

ago, volunteers filed 141 returns. Last year, that number increased to 365 returns, preserving the benefits and financial entitlements for seniors in the North Okanagan.

This free service is provided by Canada Revenue Agency-trained volunteers and takes place mid-March to the end of April. For more information, please contact NexusBC Community Resource Centre at 250.545.0585 or visit our website at www.nexusbc.ca

Gloria Noble (left) and Marlene Godfrey (right) are two volunteers with the 2015 Com-munity Volunteer Income Tax Program, run through NexusBC Community Resource Centre, who provide free income tax returns for low income seniors. They are helping Pat Wales with filing his income tax return.

INCOMESENIOR

PROGRAM

Page 4: January 31, 2016

Z4 Living 55 Plus Sunday, January 31, 2016 - The Morning Star

3401 - 32nd Avenue, Vernon, BC • [email protected] • aestheticdentalclinic.com

Snoring could be a bigger problem than you think.

It is a contributing factor with headaches, high blood pressure, heart arrhythmias, diabetes, memory loss, mental fog, tiredness, erectile dysfunction, strokes…. The list goes on and on.

A simple solution/ alternative exists to CPAP and snoring. 

Please call or email to arrange a consultationwith our o� ce to determine if a mandibularadvancement appliance will work for you.

 - Lise Kalinski, DMD

Aesthetic Dental

Do YouSnore?

Restless Sleep?

Snoring could be a bigger problem than you think.

RestlessRestless

Take Home Sleep Test Included

Take Home FREE

Vernon Jubilee Hospital Foundation is a charitable society that supports health care in the North Okanagan by raising funds for Residential Care Facilities,

Community Health Services and Vernon Jubilee Hospital.

Thank Those Who CaredFor You Or A Loved One

Each day, staff in programs and facilities operated by Interior Health in the North Okanagan, performs miracles in our community. Maybe you or a loved one experienced a kind word, a gentle smile or a lifesaving

procedure. You can recognize this experience by making a gift.Vernon Jubilee Hospital Foundation needs your help!

Why not make a gift today or plan for a legacy gift in the future?

2101 32ND St, Vernon, BC

250-558-1362On-line donations:vjhfoundation.org

Tosha R. Hodgson, M.Cl.Sc., Aud(C), RAUD, RHIPSubmitted

Hearing aids have come a long way over the years. Technologies available today can focus on speech, control whistling feedback, reduce wind noise, lessen background noise, and so on. That is what ads say. That is what hearing professionals tout. But how do we really know how a hearing aid is performing? Why do hearing aids work for some people while others leave their aids in a drawer? How do we know if a hearing aid and its features are optimized? The truth is, we cannot know with absolute certainty, but we can get pretty close.

Special equipment and test methods exist to objectively test hearing aids to help determine if aids are optimized for a person’s hearing loss. Real-Ear Measures (REMs) allow us to test hearing aids while they are worn. REMs are currently the best objective way to empirically test hearing aid performance, regardless of hearing aid style or brand.

Real-ear measures (REM) involve a hearing professional inserting a tiny microphone into a hearing aid wearer’s ear canal and then inserting the person’s hearing aid into the ear alongside that microphone. The tip of the probe-microphone is ideally positioned approximately 5mm away from the eardrum. Standardized sounds (speech signals, tones, static noise) are played through a speaker. The aid ampli� es that sound. As the aid is working, the probe-microphone inside the ear canal measures the ampli� ed result. The amount of sound reaching the eardrum is recorded and plotted on a monitor, in real-time, to compare to a prescription.

REMs are the gold standard objective way to measure hearing aid performance and verify if an aid meets prescribed criteria. Best

Testing Hearing Aids:What is best clinical practice?

Page 5: January 31, 2016

Living 55 Plus Sunday, January 31, 2016 - The Morning Star Z5

REMs are a crucial step in all hearing aid � ttings and should not be omitted from the � tting process. Let me repeat that: REMs are

a crucial step in all hearing aid � ttings.

There are so many parameters that in� uence the sound quality of a hearing aid. Ears vary in shape and size and numerous hearing aid styles exist. If a person has a behind-the-ear aid, is the tubing thin, wide, or have a wire running

through it? Is there an open, closed, tulip, or power dome attached to the end of the tube or is a custom earpiece attached? Does the aid � t in the ear properly? What is the size and type of vent used? Are the hearing aid microphones positioned correctly or aiming the wrong direction? What about technical features like frequency bands, channels, compression, and cross-over frequencies? Does the aid have frequency compression capability? Is it activated? Are multiple listening programs saved in the aid and working as expected? Is feedback management turned off, on, or set too aggressive causing speech to be under-ampli� ed?

A hearing professional’s role is to be knowledgeable about all these parameters, understand how they interact with each other, and verify the end results. It is a service all hearing aid wearers should receive during � tting or follow-up appointments. Unfortunately, there is sometimes a reliance on hearing aid manufacturers’ programming software to make adjustments and no veri� cation is done to prove settings are optimal. Manufacturers’ software can only take us so far. There is a lot of variability between manufacturers and hearing aid � tting protocols. REMs standardize the � tting process and verify the results – something manufacturer software cannot do.

Hearing aids are a big investment. We need to know they are working optimally. Aid performance should be objectively veri� ed using standardized test protocols, subjectively veri� ed by the hearing aid wearer, and customized to the wearer’s needs and preferences. REMs help ensure aids are worn and not tucked away in a drawer.

To learn more about REMs and watch how, and why, they should be done, register for a free REM seminar to be held on Wednesday February 24th at 1:00pm. Email [email protected] or call 250.545.2226 to register.

Page 6: January 31, 2016

Z6 Living 55 Plus Sunday, January 31, 2016 - The Morning Star

Vision loss is a common condition, as the World Health Organization notes that more than 285 million people across the globe suffer some type of visual impairment. Many people can effectively counter their vision problems with prescription lenses, but others may have a more signi� cant issue, such as low vision.

The Kellogg Eye Center de� nes low vision as a reduced level of vision that cannot be fully corrected with conventional glasses. Those with low vision have some useful sight and are not considered completely blind. However, low vision can interfere with performance of daily activities, and some people with this condition are classi� ed as “legally blind.”

Symptoms of low vision include dif� culty recognizing objects at a distance or problems with differentiating colors. Yet, not everyone dealing with these symptoms has low vision. Specialized testing can determine if a person has low vision or another condition.

Many conditions can impact sight and contribute to vision loss. Here’s a look at some of the more common ones.

• Glaucoma A person with glaucoma may gradually lose peripheral vision. Early symptoms, such as a subtle loss of contrast, may be unnoticeable. Eventually, glaucoma may cause tunnel vision, which occurs when a person can only see through a small window.

• Macular degeneration Macular degeneration is the leading cause of vision loss, affecting more than 10 million people in the United States alone, according to the American Macular Degeneration Foundation. The AMDF offers that macular degeneration is caused by the deterioration of the retina’s central portion, known as the macula. The macula is responsible for focusing central vision in the eye, and it contributes to one’s ability to read, drive a car, recognize faces or colors and see objects in � ne detail.

• Retinal detachment An increase of � oaters or sudden � ashes of light in vision may be indicative of retinal detachment or a tear in the retina. When caught promptly, a detached retina may be repaired. However, if left untreated and the detachment reaches the macula in the center of the retina, vision loss may be irreparable. The National Eye Institute says those with extreme nearsightedness, those who have had cataract surgery or those with a family history of retinal detachment are at a high risk.

• Diabetic retinopathy Blurring or patchy vision loss can be a side effect of high blood glucose levels. Not all people with diabetes will develop vision problems, but it is common enough to warrant attention.

• Cataracts According to The Mayo Clinic, a cataract is a clouding of the normally clear lens of the eye. Cataracts develop when aging or injury changes the tissue that makes up the eyes’ lenses. Clouded vision can make it more dif� cult to read or drive. Over time, cataracts may obscure vision so much that they require surgical repair.

Routine eye examinations can bring potential vision disturbances to light and facilitate faster treatment. Eye doctors also can make suggestions about lifestyle changes, including the use optical devices to improve sight.

COMMON causes of

POOR VISION

to shop atLensmakers Optical

•15% Senior’s Discount•Dr. Parker, Optometrist

Seniors are entitled to a 15% discount off our regular prices on all eyewear purchases.

Lensmakers has expanded its product lines and offers many name brand frames. If you are looking for a colour, style and new materials …

you will � nd them at Lensmakers Optical!We carry a wide selection of sunglasses.

We are able to bill most insurance companies direct.

… works with Lensmakers Optical to provide a Full Comprehensive Eye Health Exam.Call for your appointment today!

250-545-32253304 32nd Ave, Vernon

250-546-45513475 P.V. Road, Armstrong

to shop atto shop at2REASONS

Your Family Optical Store • www.lensmaker.ca• A

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Page 7: January 31, 2016

Living 55 Plus Sunday, January 31, 2016 - The Morning Star Z7

WELCOME TO ONE OF VERNON’S FINEST RETIREMENT COMMUNITIES.

Community of care providing Independent Living, Assisted

Living, & ComplexCare.

6190 Okanagan Landing RoadVERNON, B.C. www.kaigo.cawww.kaigo.ca

Call

Dorothy Millertoday to book your

personal tour

250-306-4831

INDEPENDENT LIVING SUITES

LANDINGLANDINGreeksideINDEPENDENT LIVING SUITES

reeksideC

• Spacious1and 2 bedroom suites

• Three meals and snacks• Housekeeping and linens

laundered• 24 hour emergency response• Guest suite for visitors• Laundry facilities• Private balconies

Use the strength of our 24 lawyer firm for all of your legal needs.

#301-2706 30th Avenue, Vernon BC • Tel: 250-542-5353 Tf: 1-800-243-5353 • w w w. n i xo nw e n g e r . c o m

• Personal Injury • Family Law • Real Estate Matters• Wills & Estate Planning • Insolvency & Collections

• Business Transactions • Labour & Employment • Civil Litigation • Arbitration & Mediation • Estate Litigation

• Criminal • Lending • Incorporations• Appeals

Proudly committed to our community for over 40 years.

TRUSTED. RESULTS.

(NC) The Internet can be a senior citizen’s best friend. It helps you to keep in touch with faraway friends and family members, offers convenient ways to carry out chores and provides countless opportunities for connecting with others through social media, on dating sites and e-mail. However, it can also make you vulnerable to scams and cybercrime. The following three tips will help you stay safe online:

Beware of strangers and offersOne of the most common forms of cybercrime

perpetrated against seniors involves emails from fake banks, false businesses, and strangers asking for help, donations or promising prizes. “As a rule of thumb, never open e-mails from addresses or people you do not know personally,”

explains Shelly Smith, director of Telus Wise, established to educate Canadians on wise Internet and smartphone habits. “If someone legitimate really needs to talk to you, they will use regular offline channels.”

Only trust reputable sellers and sitesWhile looking to book a trip or make a

purchase, you may stumble across a deal that seems too good to be true. It probably is. Buying and selling online is a great way to shop but

always make sure you are using a reputable vendor. “Do your due diligence by performing a Google search, reading online reviews and asking friends and family before supplying your credit card information,” Smith points out.

Your password is your strongest defenseYou likely have several different passwords,

which can make it difficult to keep track of them. So, you might be inclined to use the same one repeatedly or rely on an easy-to-remember solution like a birthday or the name of a loved one. You should avoid this at all costs. Instead, play around with different letter, number and

character combinations and change your password frequently.

The Internet can be an invaluable tool – and plenty of fun – just make sure you use it wisely.

3online safety tips every senior should know

Page 8: January 31, 2016

Z8 Living 55 Plus Sunday, January 31, 2016 - The Morning Star

(NC) A number of studies – including one by Dhaval Dave, an associate professor of economics at Bentley University– have proven that a sedentary retirement can have adverse effects on your health. The study found that those who retire completely see a � ve percent to 16 per cent increase in dif� culties associated with mobility and daily activities in the six years after retirement, and a � ve to six percent increase in illnesses like heart disease, stroke and arthritis.

A big reason why people get sick after they retire, say researchers, is that work is one of our most stimulating activities. “Most of us get the majority of our cognitive and social stimulation at our day jobs,” says Dave. “Once you take away the job, many retirees are faced with

a less active lifestyle, both physically and mentally. It’s the old adage, use it or lose it.”

Plan to be busyTo stay healthy and happy, it’s important for retirees to be active.

This is the part of retirement planning that most prospective retirees forget about. The average life expectancy in Canada is 81, which means many baby boomers are staring down two decades or more of retirement. This is one of our longest life stages, yet we tend to do the least amount of planning on what that might look like. We need a certain amount of stress for our brains to be able to operate ef� ciently. When we start to feel marginal, we lose our sense of self.

Investors Group retirement planning expert Dave Ablett adds that an active and engaging retirement lifestyle also requires a solid � nancial plan.

“It’s about more than saving and accumulating,” Ablett says. “Tax planning, insurance coverage and ensuring that you get the most out of your money are all important factors in a happy and healthy retirement.”

Editor Note: This column, published by Investors Group Financial Services Inc. (in Québec – a Financial Services Firm), and Investors Group Securities Inc. (in Québec, a � rm in Financial Planning) presents general information only and is not a solicitation to buy or sell any investments. Contact your own advisor for speci� c advice about your circumstances.

[email protected] • 250-833-7414

Advocating for Seniors

Greg Kyllo, MLA Shuswap

How to get readyfor

retirement

Page 9: January 31, 2016

Living 55 Plus Sunday, January 31, 2016 - The Morning Star Z9

3505 30th Avenue, Vernon 250-549-4201

Vernon’s Community Centre for Seniors

www.schubertcentre.ca

• Happy Hour • Pancake Breakfasts • Wellness Clinics • Woodworking • Card Games • Crafting • Live Music • Shuffl eboard • Billiards

Ever since the new Schubert Centre opened its doors in 1984 it’s been a

social & recreational hotspot for seniors!

250-260-4273#1 – 4205 27 St Vernon, BC

Gerry M. Laarakker LAW CORP. PREFERRED AREAS OF PRACTICE:

• Wills & Estates • Probates• Small Business • Small Corporations• Small Claims • Consent Family Law

We worry, so you don’ t

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SIMPLE WILL$289$229 plus disbursementsfrom

POWER OF ATTORNEY & HEALTH CARE DIRECTIVE

from plus disbursementsWE DO HOSPITAL VISITS

HOME DINNERforFresh and Frozen Take Out Foods

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MealsMeals• Microwaveable• Soups• Bakeables & More!

Registered Provider for Department of Veteran

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PICK UP ORDERS ONLY

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300B 3101 48th Avenue, Vernon(located in the André’s Strip Mall)

250-549-3145

#107 1912 Enterprise Way, Kelowna

778-478-0343VAC

HEALTH CARDS

ACCEPTED.

Fun By Numbers!SUDOKU

Like puzzles?Then you’ll love sudoku. This mind-bending puzzle will have you hooked from the moment you square off, so sharpen your pencil and put your sudoku savvy to the test!

Here’s How It Works: Sudoku puzzles are formatted as a 9x9 grid, broken down into nine 3x3 boxes. To solve a sudoku, the numbers 1 through 9 must � ll each row, column and box. Each number can appear only once in each row, column and box. You can � gure out the order in which the numbers will appear by using the numeric clues already provided in the boxes. The more numbers you name, the easier it gets to solve the puzzle!

ANSWER:

Page 10: January 31, 2016

Z10 Living 55 Plus Sunday, January 31, 2016 - The Morning Star

Mackie Lake House Foundation

7804 Kidston Rd, Coldstream

Selected as the “BEST PLACE IN THE NORTH OKANAGAN TO GET MARRIED”, plan to have your wedding on the spacious Mackie Lake House grounds.

Special birthdays and other occasions can also be held here!

www.mackiehouse.ca

Savour the timeless elegance of the House and screened veranda as you sip fragrant tea and nibble on delectable � nger sandwiches and scones. Treat

your mother, your friends or yourself for these special Teas.

Back in Time ToursThursdays, June 23- Sept 15 at

11:15 am and 3:15 pm

Come join us at the Mackie Lake House for a tour of this beautiful heritage home that was built in

1910 and learn about the families that lived here and discover the rich history of the Okanagan.

Music at Mackie Outdoor Concert Series

Friday June 17, July 15 and August 12 at 6 pm

For a magical summer evening experience the Music at Mackie Summer Concert Series on

select Friday nights. Bring your own lawn chair/blanket and picnic supper, cash bar available.

Mothers Day TeaSunday, May 8 at 10 am and 2 pm

Sunday TeasSelect Sundays, June 19, July 17

and August 14 at 1:30 and 3:30 pm

Tea with GraceThursdays, June 23- Sept 15 at

10 am and 2 pm

Please note that private tours and teas for groups of six or more are available by

appointment year round contact us for costs and availability.

For full details including ticket prices please go to www.ticketseller.ca

or call 250-549-7469

250-545-1019

(NC) Currently 47.5 million people worldwide are living with dementia. This number is more than the total population of Canada. By 2031 it is estimated that 1.4 million Canadians will be living with this disease.

Although a diagnosis of dementia can come as a shock not only for the person, but for the family as well, there are resources to support living a happy and healthy day-to-day life.

Boz Carter is a doting grandfather, a greeter at his church and a huge Boston Bruins fan. He is also someone living with Alzheimer’s disease.

“Dementia doesn’t de� ne us,” says his wife Cathy Hurd Carter, 53. “That’s been our mantra from the beginning.”

The Winnipeg couple adopted the mantra shortly after Carter’s 2012 diagnosis. Almost immediately, they enrolled themselves in an eight-week course with their local Alzheimer Society to learn how to plan for their future with the disease. Hurd Carter says it helped them understand they didn’t have to look backward to hang on to what they have. “We can move forward with this disease and still live life,” she comments.

While it took some educating on her part, church of� cials were

happy to have her husband volunteer as a greeter.

That was especially important to Carter, 60, who was � red from his job as a stock clerk when he became ill. The experience left him feeling “broken and useless,” says Hurd Carter.

While they refuse to let the disease de� ne them, they also know they have to make changes in their lives. Carter has good and bad days and they adjust their plans accordingly.

Hurd Carter, who is on leave from her job as a family crisis worker, wants to keep her husband at home with her as long as possible. That way, she can greet him each morning in their accustomed way - staring into his face and telling him “Good morning. I love you.”

“I know it’s not this way for everyone, but he re� ects back whatever he gets from the world,” she adds.

Life doesn’t end when Alzheimer’s begins. Be there for those who are #StillHere.

More information is available at www.alzheimer.ca/stillhere.

doesn’tneed to

de� ne a life

DEMENTIA

Page 11: January 31, 2016

Living 55 Plus Sunday, January 31, 2016 - The Morning Star Z11

Build Strength + Balance + Flexibility

so you get the absolute most out of life!

Our 30 minute classes target your body in ways that you care about most. Boxing • Arms • Core • Legs • Body Balance • Curves Circuit with Jillian Michaels

Try3 FREEClasses!

Village Green Centre 250.545.4944

[email protected] | www.jcbradleyjewellers.com

Downtown Salmon Arm Corner of Alexander and Lakeshore

250.832.8040

• Jewellery Repair & Custom Design• Certified Goldsmiths• G.I.A. Trained Gemologists• Insurance Claims & Appraisals

• Canadian Diamonds• Fine Jewellery• Watches• Watch Repair & Batteries

(NC) Canadians are carrying more debt than ever before and many � nd themselves faced with a tough choice: pay down the debt or save for retirement? According to personal � nance experts, it’s possible to have the best of both worlds and it doesn’t have to be as hard as you think.

“Taking a proactive approach to your � nances can allow you to both save for retirement and pay down your debt,” says Wade Stayzer, vice president of sales and service at Meridian. “By

determining your � nancial goals and working with a trusted � nancial advisor to build a plan to achieve them, you’ll � nd that the payoff is well worth the effort.”

Meridian offers tips on how to save for your retirement while tackling debt.

Get a personalized � nancial plan – Working with a trusted � nancial advisor to create a personalized � nancial plan is like driving with a GPS system – you’ll reach your end goal faster and with less stress. Make sure you are honest with your advisor and give them the full picture. Let them help you reach your goals and check in with them at least once a year to re-evaluate your plan and make any necessary course corrections to keep you on track.

Be strategic – Pay off the debt with the highest interest rate � rst, while paying the minimum on the rest of your debts. Once that � rst debt is paid off, concentrate your efforts and funds in paying the next debt with the

How to Save for

Retirement while

Eliminating Debt

highest interest rate.

Invest automatically – Saving for the future is easy if you put your savings on autopilot. Many � nancial institutions provide pre-authorized contribution (PAC) plans, which will automatically transfer funds from your chequing account into your savings investments at regular intervals. PACs are a great tool for contributing to RSPs or TFSAs and if you coordinate the withdrawals to align with your payday, the money won’t even be missed.

Page 12: January 31, 2016

Z12 Living 55 Plus Sunday, January 31, 2016 - The Morning Star

It is never too late to start living an active and healthy lifestyle. Taking those � rst steps towards regular exercise can lead to endless bene� ts (physically, mentally and socially) and even help to reduce symptoms of pain or illness. Imagine feeling younger, � nding that bounce in your step, and smiling more.

Whether you are generally healthy or are managing illness or previous injuries, adding exercise to your day is possible. Increasing activity to your day can be done simply and in small ways. Not sure

where to start? It only takes a few steps to get started. Speaking with your health professional is a great way to � nd the safest way to add more activity to your day.

Three basic categories are: Land, Water and Weights.

LandLook for land based classes with seated exercise that advance to

full aerobic style classes.

WaterAqua� t and Aqua

Therapy classes that use the properties of water to provide an overall body workout or therapeutic class. Water based classes are an excellent way to increase your � tness while being fully supported by the water.www.gvrec.ca • [email protected]

GREATER VERNON RECREATION SERVICES

FITNESS Starts Here Our � tness classes are safe, effective and fun!

• Land Fitness• Water Fitness

• Strength Training• Specialty Fitness

Give us a call to fi nd out how we can get you started. Deb Treherne at 250-550-3672

ACTIVATE YOUR LIFE

Page 13: January 31, 2016

Living 55 Plus Sunday, January 31, 2016 - The Morning Star Z13

WeightsYes! We did say weights! Weight bearing activities for older adults

are essential in maintaining bone density.

When looking to increase your activity level it is important to seek the advice of those that know your health history and can recommend a safe course of action. Find a Fitness Instructor who is certified and experienced in providing safe, effective and fun fitness classes for Older Adults.

Boosting your fitness not only helps you build strength, balance and flexibility it comes with the extra benefits of making new friends, improving your memory and challenging your brain. Plus it is Fun!

Opening Hours:Monday - Friday 8:30am - Noon & 1:00pm - 4:30pm

KASPER DENTURE CLINIC specializes in precision full and partial dentures. We stay up-to-date and educated on the latest technology for your

comfort and health. A father and son business, we have a combined fifty years of experience that will give you your great smile back! Our service is fast,

professional and efficient. We are here for you with great customer service to get you in and out with the utmost comfort and ease. What truly sets us apart

is our dedication to excellent customer service.

Your SmileYour SmileGet Back!

CLINICKASPER DENTUREKASPER DENTURECLINIC LTDLTD

3414 28 Ave.,Vernon, BC V1T 1W9250-542-7423 • www.kasperdentureclinic.com

• Complete Dentures • Partial Dentures • Immediate Dentures • Repairs • Denture Implants • Relines • Oral Cancer Screening

OLEY KASPER R.D.JASON KASPER R.D.OLEY KASPER R.D.JASON KASPER R.D.

Page 14: January 31, 2016

Z14 Living 55 Plus Sunday, January 31, 2016 - The Morning Star

Call 778-475-0488 for an appointment4508 - 29 Street, Vernon • www.fun4allpetresort.com

GROOMING • DAYCARE • OVERNIGHT BOARDINGSafe, Secure Play Areas • Organic & Natural Products • Private Suites

For all your pet’s needs

ALL NEW CAT LOUNGE

LIMO SERVICE AVAILABLE

There are a lot of different

methods when it comes to pet grooming and daycare and overnight boarding. Ensure that everything you think you might expect is provided. When planning to go away for a weekend or extended period of time, take the time to compare the services that are offered at various businesses.

Heating and air conditioning, plenty of natural light, outdoor fenced play areas, clean facilities and individual dog and cat beds, the number of employees per dog and cat are just a few things you need to check.

Not all pets enjoy being bathed or getting groomed, great results happen when

your 4-legged buddy is taken care of in a low-stress environment and on an individual basis. Calmness is key to your pet’s relaxation.

Some service providers do offer pet transportation for your convenience which can come in handy in this busy world!

Cat Lounge daycare services and overnight boarding are fairly new to the industry, offering soft music “Kitty TVS” (aquarium), toys, cat post and outside viewing vantage points keeping your cat happy.

Enjoying your trip without concerns about your pets is the key to an excellent choice.

Rather than heading to the pharmacy for solutions to common ailments, a majority of people may be able to stop at the nearest pet store or animal shelter and � nd a � nned or furry remedy instead.

Studies that link positive health bene� ts to pet ownership abound.

According to WebMD, one study found that 48 stockbrokers who adopted a pet

experienced lower blood pressure readings in stressful situations than did people

who did not own pets. Plus, pets have proven bene� cial to seniors struggling with loneliness.

Any pet can try a person’s patience at times, especially when a kitty has used a sofa as a scratching post or when a pooch needs to be let into the yard at 3 a.m. But for many pet owners, the bene� ts of having a pet far outweigh the negatives. Here are some of the many ways that pet ownership can be good for your health.

• Lower blood pressure: Petting a dog or cat can lower blood pressure, as can watching a � sh swim around a tank. Those with

hypertension may want to purchase or adopt a companion animal to help lower their blood pressure.

• Lower cholesterol: Lifestyle factors associated with pet ownership, particularly a focus on increased physical health and activity, can help lower cholesterol levels. Also, having a pet works to reduce stress, which may keep individuals from looking to fatty foods as sources of alleviating anxiety.

• Fight depression: Many therapists have prescribed pet therapy as a method to alleviating and recovering from depression. A pet is an unconditional friend and can provide that listening ear a person needs to talk through problems. Also, walking and taking care of a pet devotes attention away from problems and inward thinking.

• Improve physical activity levels: Heading to the gym is one way to get a workout, but spending an hour walking the dog or tossing around a ball for a game of chase and fetch is another way to get the heart pumping. Many dog owners bene� t from the “forced”#exercise that goes with daily walks. Some people choose to exercise with their pets, enjoying the companionship and the physical activity.

• Reduce stroke incidences: There has been evidence that cat owners are less likely to suffer strokes than people who do not have cats. Researchers are not sure of the connection, but surmise that cats have a more calming nature than other types of pets.

• Greater opportunities for socialization: Humans are social animals and need to interact with others. Pet owners have a tendency to want to share time and experiences with other pet owners. Pets can provide opportunities for people to get together.

The companionship and love pets provide could be a key bene� t in promoting good personal health.

DID YOU

KNOW?

Ways PETS could IMPROVE personal HEALTH

Page 15: January 31, 2016

Living 55 Plus Sunday, January 31, 2016 - The Morning Star Z15

Look as good as you Feel

#160 - 4400 32nd Street Vernon Square mall250.545.3318

Corner optiCaL

EYE GLASSES • CONTACT LENSES

We offer care that strives to go beyond the expected and builds relationships

with our patients and their families.

For appointments call

778.475.3822

Learn more about us atparadigmnaturopathic.com

Dr. Chris Spooner B.Sc. NDNaturopathic DoctorDr. Kristen Read B.Sc. NDNaturopathic DoctorDr. Marc Boutet B.Sc. NDNaturopathic DoctorMelissa SpoonerB.SC, Nutrition

Exercisingin winter:

Tips forseniors

(NC) It’s tough to get outside and get some

exercise when the snow is blowing, the temperatures are

frigid and the sidewalks are slippery.

If the great outdoors aren’t looking so great, there are other options. You can head to the mall and walk to your heart’s content, on your own or in a group. Or you can head to your local community centre which likely offers a good selection of � tness classes, such as water aerobics (good for the joints), yoga, dance and Tai Chi.

The slow, meditative movements of Tai Chi have been found to be helpful coping with the symptoms of four common chronic conditions -- cancer, heart failure, osteoarthrithis and chronic obstructive pulmonary disease (COPD). Not only that, but activities like Tai Chi also help improve mood, as does getting out of the house and socializing.

At home, if you live in an apartment building, you can walk the halls and climb the stairs. Exercise DVDs are also a good option, as are virtual reality computer-based technologies such as Nintendo’s Wii. Studies have shown that they have a positive effect on balance and their bene� ts are at least comparable to other exercise programs.

If your mobility is more restricted due to a chronic

health condition, you can get creative at home. Use a chair to do side leg lifts and squats; grab a soup can to get in some bicep curls.

Resistance bands are also a great option – they’re cheap and easy to use, and help maintain muscle strength as we get older.

Exercise is an important component of the health coaching patients receive by phone through Telehomecare, a program that provides simple-to-use equipment for the home to enable the

remote monitoring of vital signs by a specially trained clinician.

Lisa VanderVelde/Morning Star

Gail Watson (right) and Cathy Elstone take part in the Learn Tai Chi in 3 Days workshop at the Fung Loy Kok Taoist Tai Chi centre.

Page 16: January 31, 2016

Z16 Living 55 Plus Sunday, January 31, 2016 - The Morning Star

3511 27th Ave, Vernon BC 250-542-3711www.abbey� eldvernon.ca

• Supportive family atmosphere

• Within walking distance of downtown

• Situated in a beautiful setting

thth

O� ering seniors companionship, security and independence

Call or stop by forpotential vacancies.

you’ll be wise to contact Bjorn Edblad

DOWNTOWN REALTY

Thank you Bjorn for your

professionalism, your knowledge

and your compassion.

Many thanks for all your hard

work and eff orts in helping us obtain

our retirement home.

Your honesty and integrity is refreshing and greatly appreciated.

We appreciate your sincere interest

in providing for our best

interest.

BjornEdbladwww.vernon4sale.com

Revise your livingarrangements

When it’s time to

A Vernon Realtor who understands and specializes in helping seniors with safe, comfortable & carefree living.

For knowledge you can trust and confi dential & personalized

service call me, today at

250-308-7134

Bjorn has outstanding credentials with over 40 years of experience and has dealt extensively with seniors and senior communities in BC.

3. Seniors community with activities & services

Typical Choices

1. Level Entry home for ease & comfort

2. Gated community for privacy & security

FLOOR CURLING

Floor curling was developed for those who are not able to ice curl due to back or knee problems.

There is no need for sweeping and it is played indoors. Wooden rocks are used

and the � oor has shuf� eboard wax on it. Like curling there

are four people on a team including a skip, third, second and lead. The skip has a stick to

show the players where to aim the rock and the game is scored just like curling. It is a great game to get you active and a good way to meet people!

Jennifer SmithMorning Star

Gerry Turgeon throws a rock during � oor curling at the Halina Seniors Centre, which takes place Mondays from 9:30 a.m. to 12:30 p.m. Anyone over 50 is welcome to come try their hand at the fun sport, call250-542-2877 for more information.

Jennifer SmithMorning Star

John Nordquist slides a rock during � oor curling at the Halina Seniors Centre.

Page 17: January 31, 2016

Living 55 Plus Sunday, January 31, 2016 - The Morning Star Z17

All My ChildrenOkanagan Pet Boarding • 250-275-1626

GOING AWAY? Plan a great vacation for your dog!

GROOMING SPECIALS ON NOW!

BEST LONG TERM RATES IN TOWN• Large private indoor / outdoor enclosures • Heated � oors • Natural light • Music• Individual play time • Video Feedback & email updates

www.allmychildrenpetboarding.com

We treat

your pets like

royalty

Jennifer Smith/Morn-

ing Star

John Antoniow slides a rock during � oor curling at the Halina Seniors Centre, while Anne Moore, 89, waits her turn to play.

Jennifer Smith/Morning Star

Florence Kernachan watches her team

rock slide into position while Rita Prystupa

keeps an eye on the play.

Page 18: January 31, 2016

Z18 Living 55 Plus Sunday, January 31, 2016 - The Morning Star

POLICINGEmergency Calls Only ...............................................................911RCMP Vernon non emergency .................................... 250-545-7171RCMP Armstrong non emergency ............................... 250-546-3028RCMP Enderby non emergency .................................. 250-838-6818RCMP Lumby non emergency .................................... 250-547-2151RCMP Oyama non emergency ................................... 250-766-2288Vernon Community Policing ....................................... 250-550-7840Vernon Crime Stoppers ............................................. 250-260-7161or ......................................................................... 1-800-222-8477RCMP Victims Assistance ......................................... 250-260-5833

HEALTH CARE FACILITIESInterior Health Authority Okanagan ............................. 250-545-9167www.interiorhealth.ca • Regional Administration Office .............................. 250-862-4200

Vernon Jubilee Hospital2101 32 St, Vernon BC • Switchboard ........................................................ 250-545-2211 • Foundation.......................................................... 250-558-1362

Vernon Health Unit ................................................... 250-549-5721BC Prosthetic & Orthotic Services ............................. 250-542-3384

Armstrong/Enderby/Spallumcheen Community Health Services • Intermediate/Extended Care ............................... 250-546-4707 • Home Support Services ...................................... 250-546-4712 • North Okanagan Health Unit ................................ 250-546-4720 • Lumby Health Centre ........................................... 250-547-2164

MEDICAL ORGANIZATIONS & SERVICESAlcohol & Drug Information & Referral Service............................................................................ 1-800-663-1441Allergy/Asthma Information Assn ............................ 1-877-500-2242ALS Society of BC ................................................. 1-800-708-3228Alzheimer Society of BC ......................................... 1-800-634-3399Dementia Helpline ................................................. 1-800-936-6033Arthritis Society Answers Line ................................ 1-800-321-1433Interior Regional Office (Trudy) ................................ 1-250-868-8643BC Brain Injury Association .................................... 1-877-858-1788BC Cancer Agency Sindi Ahulwalia HawkinsCentre for Southern Interior .................................... 1-250-712-3900Screening Mamography Program ................................ 250-549-5451Book Your Screening .............................................. 1-800-663-9203BC Epilepsy Society ............................................... 1-866-374-5377BC Lung Association .............................................. 1-800-665-5864BC Lupus Society .................................................. 1-866-585-8787

BC Schizophrenia Society.......................................... 250-260-3233BC Spinal Cord Injury – Vancouver .......................... 1-877-324-3611SCIU BC Infoline .................................................... 1-800-689-2477Brain Trust Canada ................................................ 1-250-762-3233CNIB .................................................................... 1-250-763-1191Canadian Cancer Society ......................................... 250-542-0770Caner Information Service ...................................... 1-888-939-3333Southern Interior Rotary Lodge ............................... 1-250-712-2203Freemason Volunteer Driver Program ...................... 1-800-299-0188Canadian Diabetes Association .............................. 1-250-762-9447Information Line .................................................... 1-800-226-8464Canadian Institute for HealthInformation (Victoria) ............................................. 1-250-220-4100Canadian Liver Foundation ..................................... 1-800-856-7266Canadian Mental Health Association ......................... 250-542-6155BC Division ........................................................... 1-800-555-822224 hour Information Line ....................................... 1-800-661-2121Canadian Red Cross Health EquipmentLoan Program .......................................................... 250-545-3111Cardiac Health Foundation of CanadaCentral Okanagan Assoc. for Cardiac Health ............................................................................ 1-250-763-3433Cerebral Palsy Association of BC ............................ 1-800-663-0004Crohn’s & Colitis Foundation .................................. 1-800-513-8202Denturist Association of BC ................................... 1-604-582-6823Dietitian Services ............................................................ Dial 8-1-1TTY ................................................................................ Dial 7-1-1HealthLink BC ................................................................. Dial 8-1-1TTY ................................................................................ Dial 7-1-1Healthy Eating For Seniors ............................................... Dial 8-1-1TTY ................................................................................ Dial 7-1-1Heart & Stroke Foundation BC ................................... 250-558-5815Toll Free ................................................................ 1-866-432-7833Interior Health Lifeline Program ................................. 250-558-1334Toll Free ................................................................ 1-800-994-8414Kidney Foundation of Canada ................................. 1-800-567-8112Lake Country Health Planning Society ..................... 1-250-766-5437Medic Alert Foundation .......................................... 1-800-668-1507Medical Services Plan ........................................... 1-800-663-7100Multiple Sclerosis Society of Vernon .......................... 250-542-2411Muscular Dystrophy Canada .................................. 1-800-366-8166Okanagan Mental Health Services SocietyAssisted Living Program ......................................... 1-250-717-3368Therapeutic Work Program ..................................... 1-250-717-3007Osteoporosis Canada (Trish Gunning)...................... 1-250-861-6880Pacific Blue Cross ................................................. 1-800-873-2583Parkinson Society British Columbia ......................... 1-800-668-3330PharmaCare .......................................................... 1-800-663-7100Prostate Cancer Canada Network ........................... 1-888-255-0333

Health • Medical • Important Numbers

Page 19: January 31, 2016

Living 55 Plus Sunday, January 31, 2016 - The Morning Star Z19

CROSSWORDSCROSSWORDS Train your Brain!

CLUES ACROSS 1. Soybean paste 5. Unit of time 8. Watering holes 12. Joint 14. Certi� ed public accountant 15 __ Mater, one’s school 16. Resells tickets 18. Batter’s objective 19. Past participle of lie 20. State of Islands 21. Fed 22. Cause cell destruction 23. Daily Show host 26. Diagrammed 30. Cat sounds 31. Most sorry 32. Do wrong 33. Coral reef and lagoon island 34. That (Middle English) 39. Electrically charged atom 42. Nassau is the capital 44. Frogs, toads, tree toads 46. Marjoram 47. Where the Donald lives in NYC 49. Whale ship captain 50. A way to emit sound 51. Comparable 56. Isodor __, American Nobel physicist 57. Businesswoman 58. A way to split up 59. Solo Operatic piece 60. No (Scottish) 61. In a way, tears 62. Bridge breadth 63. Single Lens Re� ex 64. Thou __ protest too much 63. Single Lens Re� ex 64. Thou __ protest too much

CLUES DOWN 1. Korean War TV show 2. South American Indian 3. Cape at tip of Denmark 4. A podrida cooking pot 5. Russian sourgrass soup 6. Perfect example 7. Supplier 8. Unhealthy looking 9. Spanish beaches 10. Am. follower of the Mennonite Bishop Amman 11. Well-balanced 13. Outer surface cells 17. Fathers 24. Sun up in New York 25. Dweller above the Mason-Dixon 26. Young women’s association 27. Tell on 28. Bustle 29. Poundal

35. An ugly, old woman 36. Doctors’ group 37. __ Ling, Chinese mountain range 38. Volcanic mountain in Japan 40. Leaves parentless 41. Existing in or produced by nature 42. Inclination 43. Extents 44. Peninsula between the Red Sea and the Persian Gulf 45. Language of Nile 47. Twyla __, US dancer 48. Card game 49. River in E. Turkey to the Caspian Sea 52. Scored 100% 53. Tonight’s former host 54. __ and ends 55. Notable exploit

Page 20: January 31, 2016

Z20 Living 55 Plus Sunday, January 31, 2016 - The Morning Star

$1500JOIN

BECAUSE RESULTS MATTER!

SENIOR DISCOUNTS

Membership benefits include:• Unlimited access to the Fitness on Demand in our studio.• 30 day check in. We are committed to getting you results-guaranteed.• Free FitScore with a personal trainer.• Free introductory to the Feldenkrais Training method.• Free 30 minute nutritional counselling.• Free yoga class with an instructor.• Club access 24 hours a day, 7 days a week, 365 days a year.

a week

Now for as

little as

$8.95 enrollment fee and $25.00 smart card fees apply. Standard sales tax rates apply.

778.475.5668 #103 5301 25 Ave. Vernon

www.snap� tness.com/vernonbc

I’m quite aware that my bold statement above raises a lot of eyebrows and quite likely goes on to be passed by as a cute statement and nothing more. I assure you however I would not be writing this if it were not true, read on and you will understand how this is possible. 

We have been lead to believe that calories are what count. As long as what we put in is fewer than what we expend we will lose weight. But when you think about it, how has that been going? Maybe you diligently go to the gym, sometimes even against what you really want to be doing. Then we go home, eat a little bit and on occasion feel guilty that we went over what we were supposed to, or consume foods that are “forbidden”.  Now week after week of this you still seem no better off than the week before. Then you hop on board the weight loss wheel, follow a diet or program with some results until you drop off, and then repeat with another diet or program. 

Let me leave you with a strategy that will leave you in the land of effortless fat loss limiting this frustrating struggle. This one simple strategy accounts for the biggest amount of weight gain so it will assist you greatly. It’s a little hormone response called insulin. 

Here’s how it works.Insulin regulates blood sugar levels. So it operates the nutrient transportation and distribution.  The body creates glucose out of carbohydrates, which comes from what you consume. The source of carbohydrate determines the speed that glucose enters the bloodstream. Imagine a big factory that gets materials to manufacture. Some materials get unpacked and go straight out of the factory into shipping (the bloodstream) and other materials get unpacked and require some processing in order to get to the transport stage.  When the glucose gets absorbed into the blood, insulin kicks in and gets the glucose where it needs to go. The glucose is received in a priority sequence. The liver is priority one. When that is full it moves to the muscles, and � nally when the liver and muscles are full it gets stored within fat for future use. Now here is an interesting correlation, if the factory starts manufacturing lots and lots of quick ship materials into the bloodstream, insulin has to be secreted more and more in order to keep up. As this continues to happen the liver and muscle cells are so full they don’t need anymore and all the glucose get stored as fat.

So what does this all mean, well allow me to make this simple. 

As you drop the amount of sugar, and carbohydrates you consume you will begin to lose weight automatically because the insulin storage process slows down. The less materials that go into the factory the fewer by-products, glucose, gets into the bloodstream and this results in less insulin being secreted. Mixed with exercise you now deplete more stores than get deposited. 

Matt Somerset Fat Loss Strategist Vernon Snap Fitness.

Effortlessfat loss?

Indeed it’sTrue