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Radio/TV Health & Fitness Educator


Summer Issue 2008

Enjoy a Carefree Senior Lifestyle at The Villages Golf & Country Club

Active Adult Community 55 years+ Villas & homes from 650­2,490 sq. ft. Offered at $280,000 to $900,000s

· · · · · · · · ·

Happy Clients Say it Best "Carla made the buying experience effortless for us." "Carla provides honest information about The Villages' lifestyle." "We're living a lifestyle we never thought we could afford."

Peace of mind with gated, 24/7 security Over 100 clubs & activities 18 & 9 hole USGA rated golf courses Country club membership INCLUDED Riding & hiking trails Tennis & fitness centers 4 swimming pools RV/boat storage lot And much, much more!

All Villages properties are RESALE VILLAS and HOMES offering over 60 floorplans. 550 acres near Diablo Mountain range in Evergreen District, San Jose.

CALL today for an introductory tour. 408.274.8766

Voted among the top 20 active adult communities in America

Carla Griffin

"Seniors Real Estate Specialist" Villages #1 Buyer's Agent in 2006




4. 6. 8. 10. 12. 14. 16.

Profile: Joanie Greggains HomeCare Agencies Cruising the Med Money Lady: Evie The Villages of San Jose Home Sweet Home Sex and Intimacy

Publisher's Note

You're Never Too Old for Sex and Intimacy

IT'S A MYTH that older adults don't care about sex. Sexuality continues throughout life no matter Larry W. Hayes what one's age says Vivian Silva. Read her article Publisher & Editor on Sex and Intimacy on page 16. Do you remember seeing Joanie Greggains on TV? This hit fitness show ran from 1982-1995. She's still going strong on KGO radio. Read what this dynamic person is up to today on page 4. When is the market going to turn around? Is it time to get out or should you ride it out? Our Money Lady, Evelyn Preston, has some answers that may calm your nerves. Read her article on page 10. How do you choose a homecare provider? Read what the experts say are the biggest challenges. See story on page 6. Going on a cruise? My wife and I celebrated our 40th with a Mediterranean cruise and live to tell about it on page 8. Do you know someone over 50 making a difference, doing good or leading an extraordinary life? Call or email me with your story idea at 408.921.5806 or email: [email protected]

over 50 magazine


Published by Hayes Marketing Communications, Inc. P.O. Box 321209 Los Gatos, CA 95032

Larry W. Hayes/Publisher & Editor 408.921.5806 Email: [email protected] Website: Gloria Hayes/VP Operations Charm Bianchini/Associate Editor Mabel Tang/Art Director To Advertise

Call 408.921.5806 or [email protected]


REACH over 45,000 baby boomers and older adults in the Bay Area. For info and Media Kit, email: [email protected] Or call 408.921.5806.


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Copyright 2008 Hayes Marketing Communications, Inc. All rights reserved. Reproduction in whole or in part of any text, photograph or illustration without written permission by the publisher is strictly prohibited. The magazine is not responsible for unsolicited manuscripts, artwork or photographs. The opinions expressed in ActiveOver50 magazine are those of the authors and do not necessarily reflect the views of ActiveOver50 magazine. The magazine assumes no responsibility.

Caring Heart Healing Hands

Neighborhood Chiropractic

Dr. Tommy Q. Nguyen, D.C.

2007 W. Hedding St. #216 San Jose, 95128 (at N. Bascom near Hwy. 880)


For FREE tips on how to market to older adults, call Larry today at 408.921.5806. ACTIVE magazine is a marketing company specializing in building sales and awareness for older adults in the Bay Area.

Cover photo courtesy of Patricia Leeds Photography, San Francisco

For a FREE initial exam, call today: 408.261.3811­office 408.569.2060­cell

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Profile: Joanie Greggains Age: 50 plus Marital Status: Married Occupation: Health & Fitness Educator


on Radio and TV

Former Job: School Teacher Residence: Marin County

Many of us remember your hit TV fitness show, "Morning Stretch." How long did it run and where? In Syndication 1982-1995 ­Satellite 1996-2000. Since 1986, you've been a Radio Talk Show host on KGO Radio AM. What keeps you going and your secrets of success? I'm dedicated to bringing legitimate information concerning all aspects of health into my listener's lives--everyday people are bombarded with misinformation concerning health and fitness "Lose 20 pounds in one week," "Drink this," "Eat that," "Lose weight without exercising" and on and on. I also let people know about health and fitness events going on in Northern California and bring them information on Health hazards like LBAM spraying that will affect us all. Who are some of the most interesting people you're interviewed? Dr. Walter Bortz, Dr. Kenneth Cooper, Dr. James Garrick, Natasha Trenev, Dr. Daniel Amen, Dr. Elson Haas, Dr. Shames, Deborah Francesconi R.N., Jack LaLanne, Sheila Cluff.


"When you treat your body with respect you will be rewarded by sleeping better, thinking clearer and being a participant in life."

Who are your listeners? Age groups? Pacewalk CD--one hour walking CD--music especialMen and women 25-65 plus. ly composed so a person can walk either a 12 minute or 15 minute mile. I give mileage cues from 1/4 mile all How has your fitness/exercise programs changed the way to 4 miles­a person can walk as much as they over the past 10 years? want--music will help you keep pace. I provide mileage Adding balance­Cardio, Resistance Work, Yoga/ and fitness tips--nothing to do but walk. Pilates. Making sure all components of fitness are addressed. Morning Stretch Weekday Workout Are people more serious today DVD--five of my best workouts from my award winning TV show "Morning about their health and exercising. Is this a trend? Stretch." One for each day of the week. People are more concerned (All of the above can be ordered from: about their health and fitness. What are some of the biggest challengImportant thing is to put this es facing older adults today? concern into practice by eating nutritious food, exercise on a Same as people of any age--to make regular basis, take time to relax, Exercise, Healthy Diet a priority--when get a good night's sleep and take you treat your body with respect you time for family and friends. will be rewarded by sleeping better, Your exercise videos have sold thinking clearer and being a participant over $16 million worldwide. in life. What is your new DVD about? What are your secrets for being Fit Healthy Back Solutions DVD. and Healthy? I teamed up with world reI practice what I preach! nowned orthopedic surgeon Who inspires you? Dr. James Garrick to create People who take responsibility for Joanie (right) with Patricia O'Brien of the most comprehensive Back their choices in life--don't blame others Lifelong Fitness Alliance Healthy DVD ever produced. for their problems--face life and take Over two hours of critical inforaction. mation about back health, plus I led two vital What are you most passionate about? workouts--one to strengthen and one to stretch Health & Fitness...very thankful that I'm doing what core muscles. I and animals.


· Radio Talk Show Host - KGO Radio, 810 AM (Oct 1986-present) · Greggains Health Matrix (Dec 2006) ­ fitness and health products such as PACEWALK and Healthy Back Solutions with Dr. James Garrick. · ­ Marin County Dept. of Health & Human Services. Monthly website health tips. · Author of The Fat Flush Fitness Plan (McGraw Hill, NY; Jan 2005) Fit Happens (Villard Books, NY; Jan 2000), Total Body Shapeup (New American Library 1990) · Star and producer of TV's Morning Stretch · Producer/star/choreographer of 15 exercise videos · "Best On-Air Personality," American Women in Radio and Television (2001) · Who's Who in American Women (2001) · Who's Who in American Education (2002) · American Directory of Who's Who in Executives and Business (1997-98) · Silver Spoon Award for 1995 (California Dietetic Association) · American Biography Institute's Honor List (1995) · International Who's Who of Professional and Business Women, 4th Ed. (1995) · President's Council on Physical Fitness




HomeCare Agencies

Who to Call for Help?

t Home Swee

companionship and personal care/hygiene. With so many homecare providers, how do you select the right agency? Not easy since most offer similar services with costs ranging from $18 to $28 per hour, depending upon the type of service needed. Many have four hour minimums. Some offer free assessments. Your best bet is to ask for referrals and check around. "Deal only with a national organization which will have established rules, guidelines, policies and procedures in place," said Gene Lennon, Right at Home. "Consumers need to ask how long an agency has been in business," said Tani Wheaton of Visiting Angels. "Can they provide local references? What are their after hours policies? What is the cancellation policy?" "It is important to hire through a responsible agency which screens, does background checks, bonds, insures and trains its employees and covers their worker's compensation," said Cheri Jackson, Institute on Aging. What are the biggest challenges facing the industry? Gene: "The bottom line is the aging of America will bring about issues that we have never faced before. Medical insurance costs, a lack of care facilities for those who wish to live there, not enough caregivers, the impact on employers and the healthcare system." Tani: "The greatest challenge is

me Ho

Over 22,000 agencies nationwide provide homecare services to over two million people with disabilities, illnesses or chronic health problems. In Santa Clara County, there are more than 60 homecare agencies serving thousands of people. The number continues to grow as our aging population rapidly increases due to people living longer and wanting to stay at home. Ninety-five percent of the people in the Bay Area want to "age in place" or live at home until the end. Homecare agencies (nonmedical) provide a solution for those who want to remain in their home and community but need some help with daily living. Assistance may include tasks such as light housekeeping, medication reminders, shopping, meal preparation, transportation,

really educating the public about the differences between hiring a "private" caregiver or using the services of a full service agency such as Visiting Angels. At first glance, it appears to be a cost savings to hire someone who you would pay "under the table" but this leaves seniors at great risk and vulnerable to both abuse and lawsuits." Cheri: One is the cost of care. Medicare doesn't cover hourly custodial or non-medical care so it's usually paid for out of pocket. Long term care insurance provides some homecare coverage but few older adults have it. Another challenge is finding skilled, trained caregivers who are willing to do home work." While cost is always an issue with homecare services, perhaps the biggest challenge to overcome is the "fear" factor­allowing "a complete stranger in your home." Gene: "Security is paramount. That's why I spend hours interviewing and evaluating each person to assess their needs and fears. We then match them with the right caregiver." Tani: "When you go with the services of a full service agency, you are protected by both liability insurance (in case of theft or abuse) and also worker's compensation insurance which protects you in case your caregiver is injured on the job." Cheri: "It is always risky to hire an unknown person to work in



Partial List of Homecare Agencies Visiting Angels Central San Jose 408.977.1133 West San Jose 408.241.5100 Morgan Hill 408.846.2988 Sunnyvale 408.735.0977 Right at Home Santa Clara 408.496.0833 one's home but this risk is greatly reduced when a trusted and reputable agency is the employer." That's why you need to hire an agency, says Tiffany Mikles of Dementia Care Coaching. "Find someone who fits your needs and whom you can trust. Do your research and go with your gut feeling." Finding and retaining good caregivers is not easy. The pay is not great, ranging from $9 to $12 per hour with few or no benefits. Most caregivers are women working part-time, ranging in age from 30 to 70. "Caregivers are special people and deserve our appreciation," said Tiffany. "I don't know what our society would do if not for them."

Note: For a comprehensive list of homecare providers, contact Council on Aging, Silicon Valley, 408.350.3297.

Institute on Aging Palo Alto 650.329.1411 Senior Helpers Silicon Valley/Santa Cruz 408.655.5875 Matched CareGivers Redwood City 650.839.2273

San Mateo 650.375.0580 San Jose 408.286.2339 Pritchard HomeCare Campbell 408.843.1310 Home Instead Campbell 408.370.6408

Five Words Can Mean Everything To Seniors

Home... Comfort... Assistance... Caring and Independence.

From a few hours a week to around the clock care, Right at Home's trained caregivers can assist you with the everyday activities of living including light housework, meal preparation, laundry, medication reminders, shopping and errands, local transportation and light exercise. To find out how we can help you maintain your lifestyle in your home, please contact Right at Home. Right at Home 3140 De La Cruz Blvd., Suite 107 Santa Clara, CA 95054 408.496.0833


Independence is an Option.

"Compassionate HomeCare Professionals"

Pritchard HomeCare

Available 24/7 Full-time, Part-time Hourly Live-in, Sleep-over Light Housekeeping Personal Care FREE Assessment

Call today

408. 843. 1310




Photo courtesy of Norman Plate Photography

"Why I Love The Villages"

By Carla Griffin, B&A Realtors

My journey to The Villages Golf & Country Club began in the 1980's when I was looking for a place to move my mother-in-law from Northern California. After I got her moved to a new model home in the community in the late 1980's, a college friend started inviting me to walk the community. We always ended with breakfast at the Clubhouse. As I approached the "ripe old age of 55," I began to ponder the value of living in a community rich in history and tranquility. The history never seems to completely evaporate. It tends to seep through the fabric of this community, leaving fragments of the past in the old ruins, the trees, landforms and even the names of streets and places, all within the community. The Villages was developed over 40 years ago on 550 acres of former vineyards and agricultural estates off San Felipe Road in the Evergreen District of San Jose. This haven of natural beauty now hosts approximately 4,400 residents living in the 2,309 condominiums and 227 single family homes nestled comfortably on acres of lush landscaping and sparkling lakes surrounding 9-and 18-hole USGA-rated golf courses, swimming pools, tennis courts, picnic areas, hiking trails, stables and bridle paths. Our beauty is shared by the wildlife that have grown with the developments in and around our hillsides. It is common to see many animals such as deer, wild turkey, quail and rabbits plus many different species of birds. My move to The Villages happened in March 2000 when the business collapsed and my business of Mergers and

Acquisitions tumbled around me. I also lost a couple of best friends and loved ones. I knew that I needed a drastic change in my life. When my college friend suggested moving to The Villages, I came that afternoon just to look. I went home and began packing and the rest is history. I feel like I own a "little" corner of paradise that is obscure to so many people in the Bay feel and experience the peace and tranquility of having a secure gate manned 24/7. Plus having over 100 active clubs and activities to participate in. The lush vegetation and hillsides to hike with views to San Francisco are breathtaking! Moving to The Villages was the beginning of a new lifestyle and a new career. I had gotten my Real Estate Broker's license in 1985 so I decided to start a residential real estate company, working exclusively within the gates of The Villages Golf and Country Club. I have never looked back and have been so happy working and playing in this beautiful community. For information about The Villages, call Carla 408.274.8766. Editor's Note:

The Villages is an active adult senior living community. Although technically a retirement community, many residents continue to work while living there. It is age restricted. One person must be 55 or older. Housing prices range from $280,000 to $900,000+. Approximately 250 properties (10%) appear on the market every year. Rental properties do exist. To visit The Villages, you must be invited by a resident or a real estate agent.



"Why I Became a Tutor"

Profile: Judy Walko Age: 60 Marital Status: Married Former Occupation: Manager,

South County Vision Literacy

Present Occupation: Volunteer tutor for

Vision Literacy and Monterey Bay Aquarium volunteer guide Favorite Activities: Monterey Bay Aquarium, pets, wildlife and reading

Why Vision Literacy?

"It's so much fun helping people and a wonderful opportunity to be creative."

Vision Literacy is dedicated to helping adults in Santa Clara County to read and to improve their quality of life. To learn how you can become a tutor, call Vision Literacy today at 408.262.1349 or visit




Celebrating 40 Years

Cruising the Mediterranean

By Larry Hayes

This was very disappointing since the tour was about Pompeii. After complaining to Royal Caribbean, we promptly received a letter saying that the tour guide was fired. All in all, our tour guides were good and spoke good English. Tip 4: Change dinner tables if you want. My wife and I were not happy with the people at our assigned table. Next night, our waiter moved us and we thoroughly enjoyed our new tablemates. It's your vacation. You can move if you want for any reason. Tip 5: Watch your wallet! Pickpockets are everywhere, especially in Barcelona and Rome. My sisterin-law had her purse stolen in Paris by four young girls. We heard of other passengers losing their valuables in Barcelona. Tip 6: If you have to stay connected to the business world, bring your own laptop. Internet service is high: $.55 cents a minute and the connection was slow. · Food and service on the ship was outstanding, especially dinner with a wide selection of entrees. Most 4-star. You pay extra for wine, beer or liquor. Most wines are $20+ a bottle. Beer $5, drinks/cocktails from $5 to $8. · You don't have to gain weight! There are walking paths, swimming pool, basketball court, miniature golf, rock climbing wall and all kinds of exercise machines to keep the pounds off. Activities galore from dancing, nightly shows, games, bingo, cards, auctions--something for everyone including kids. This cruise was not only for


Cruising with Trevor & Dolly deSouza of Australia, wife Gloria and yours truly.

My wife and I recently celebrated our 40th anniversary with a 12-day cruise to the Mediterranean aboard the Royal Caribbean International departing out of Barcelona with stops in Cannes/ Nice, Pisa/Florence, Rome, Naples, Venice, Split, Croatia and Valletta, Malta. I'd like to share some observations. Tip 1: With flight delays quite common today, arrive at your cruise departure at least one day early. We spent one night in Barcelona and wish we had planned more. Beautiful, fun place. · Our flight from San Jose to Chicago took 4.30 hours. Then another 8.30 hours to Brussels and another 1.45 hours to Barcelona. Total travel time to Barcelona from San Jose, including waiting at airports: 24 hours. Tip 2: If you'd like to save money

and help the environment, bring "empty" water bottles for fill up after you go through security. On the ship, we filled up our empty bottles for the day trip excursions. You can also buy water on the ship for $3.50 per bottle. · We could not find any drinking water fountains at Brussels and Barcelona airports or any of the cities we visited. (Europeans apparently drink only bottled water which is expensive.) · Graffiti everywhere. I was shocked by the amount of graffiti on buildings along the French Riviera from Cannes to Nice. Rome was the worst city but graffiti is everywhere, although Spilt was pretty clean. Tip 3: If your tour guide can't speak English, complain. Our tour guide in Naples spoke poor English and was difficult to understand.

the "newly wed" and "nearly dead." Lots of teens, too. · Cruising is a great way to visit multiple cities. I personally would not drive in Europe due to high gas costs ($8+ per gallon.) Plus driving is insane, especially in Rome with unbelievably bad traffic congestion with thousands of scooters and tiny cars everywhere, including parked on the sidewalks. · Flying back was a nightmare. We were five hours late leaving Barcelona for New York which meant that we (and everyone else) missed our connecting flight. American Airlines booked us free at a 1-star motel near Kennedy Airport. Coming from a 5-star cruise ship, this was a reality check. Next morning driving to the airport, our shuttle bus was rear-ended. Nothing serious, though. The bus driver didn't even stop! · After boarding our flight to Dallas, our pilot informed us of a "flat" tire. This was a concern since we only had a one hour turnaround in Dallas. We arrived with 20 minutes to spare. Fortunately, our connecting gate was near by. Our luggage made it home, too. · Forget about "service" on airlines. You're on your own. It's far better and cheaper to bring your own food and drinks. We received a "free" meal on our flight to New York and it was bad and tasteless. · Europe is very expensive because of the low value of the dollar. However, we ate all of our meals on ship so eating out was not a problem. · Most unique city--Venice. See before it disappears. Most disappointing--Naples and Valletta. Most crowded with most graffiti: Rome. The city I'd like most to revisit: Venice. · My thoughts on cruising? Great way to travel and relax. Actually, it may be the most inexpensive way to

see many famous cities of Europe in a short time. Our ship, Brilliance of the Seas, is only six years old. Very modern and classy. Approximately 2,000 passengers and 975 staff. Felt and looked like a 1st class resort with all amenities and activities you could imagine. We were treated like royalty.



"The last ad earned me a commission. Hooray."


"Just to let you know my ads work for me."

--Moving company

"Will definitely continue running the half page ad for next year. It gets results."

--Retirement community

WITH OVER 45,000 readers and rapidly growing, ActiveOver50 is the ONLY magazine in the Bay Area written for baby boomers and older adults. If this is your target market, advertising in ACTIVE is a smart way to reach this burgeoning and dynamic age group. For more information and a Media Kit, contact Larry Hayes at 408.921.5806 or email: [email protected]

over 50 magazine





Home Sweet Home:

How To Stay There

By Tom Binder, Real Estate Advisor

So let's look at some of these challenges and possible solutions to assure our safety and comfort. · Safety becomes an ever-increasing concern as we age. Seniors living by themselves should always complete a safety check of their house. This will identify those situations dealing with house layout, stairs and adequate support, appliance usage, electrical facilities and security. The biggest risk is injury due to falls and a review of trip hazards such as bad lighting, small throw rugs, missing or loose handrails and cluttered stairs can head off many accidents. Specialized services, known as "Certified Aging in Place Specialists," can be contracted to do an in-depth analysis of these hazards and make necessary corrections. · Outside Services become important as we can do less for ourselves. Transportation can be solved by outside services for any number of needs: shopping, medical appointments, bridge games, etc. For general assistance and support at home, there are certified and bonded "In-Home Care" services that offer as much, or as little, on-site help as required. For those seniors who need more specific attention, but want to get

As a large segment of the population ages into its "Senior" years, the question of where elderly people live becomes more important. Whether we are in this age group, or have family members that are, this is a very important issue for most of us. Every survey shows that, as people age, the vast majority of us want to stay in our own home. Many organizations and agencies are focusing attention on the "Aging in Place" concept. Why stay in our current home? Various reasons are given: independence, familiarity, location/ convenience, finances, family, social and lifestyle. However, staying in our homes presents many challenges, including health, safety/security, home maintenance, required services, transportation, caregiver support, finances and even meals.

out of the home for broader stimulation, "Day Care" centers provide a variety of medical and social services. · Finances can become an issue with increased cost of living, increased taxes, support services and hired home maintenance contractors. Many of us that have owned our homes for many years have our home equity as our largest financial asset. While this heightens our sense of financial security, it doesn't pay the bills for us. A reverse mortgage can safely allow us to utilize this financial asset without moving out of our home. · Downsizing can be a strategy that can address many of the challenges. Although requiring a physical relocation, it can result in a much more practical way to stay at home rather than move in with family or to assisted living. Downsizing will retain the independent living that we want and can even solve many of our senior living challenges. We can select a home much more suited to our situation: single story, no stairs, smaller, easier to maintain, closer to key services, closer to family, etc. Plus, by downsizing, we free up the financial asset now tied up in our home equity and thus provide more financial freedom. The IRS has made it easier to keep a good amount of the funds from the sale of our principal residence.

Tom Binder is a Seniors Real Estate specialist with REALTY WORLD and can be reached at 408.923.7758.




Looking for A Soul Mate? Job? Housing? Handyman? For Sale/Barter? Help Wanted?

PERSONALS Pretty, youthful 59yr lady seeks active gentleman 55-62 for companionship and social outings. Email: [email protected] TRAVEL Do You Love to Travel? Learn how to travel like the Pro's, get paid a commission and ALL is Tax Deductible! Call Carla 408.274.8766 or SHREDDING Shred/Purge All Confidential Documents. Paper and Multi-media. Call for a proposal: 408.274.8766--Carla Griffin, United Shredding Services NEED a TUTOR? Elementary, Junior High. High School, SAT prep. All ages, excellent results. Passion for teaching. Bob 650.280.9541. CBEST credentialed. FUNERALS Byrgan Cremation & Burial. Fair pricing and good service dedicated to fulfilling your needs. 236 N. Santa Cruz Ave. #107, Los Gatos 408.354.6200 FD1743

Whatever you want to buy or sell, post it in our low cost Classified Ad section. Only $30.00 for 15 words. Over 45,000 readers in the Bay Area. Personals For Sale/Wanted Housing Jobs Transportation Health/Financial Services Travel Legal Community Business Opportunities

To place a classified ad in ActiveOver50 magazine, email: [email protected] or call 408.921.5806.

FOR SALE: CEMETARY PLOT SAN JOSE/OAKHILL. Beautiful hillside plot. $5,000 (normally $10,000). 408.377.3678 ANNOUNCEMENTS Pathway Hospice needs volunteers. Call for information: 408.773.4219. Meals on Wheels: The Health Trust is seeking volunteers to deliver hot meals to homebound elderly and disabled adults in Santa Clara County. Email Katie Plante at [email protected] Call 408.961.9889. Vision Literacy needs volunteer tutors to teach adults to read. For information on how to become a tutor, call Pat at 408.262.1349. Be Part of a Miracle. Help families with babies in the Neonatal Intensive Care Unit at Good Samaritan Hospital by volunteering as a driver or host home for ACCESS, part of The Auxiliary of GSH. Flexible times. Contact ACCESS at 408.559.2395 or online at ACUPUNCTURE For healing of joint pain and arthritis, acupuncture works. Call Dr. Andrew Pham, O.M.D. 408.926.9787. FREE consultation. ANTI-AGING SLOW the AGING process. Need more energy? Live Longer? Look Younger! Guaranteed or Your Money Back. Visit HOME FINANCING ARE YOU EQUITY RICH and cash poor? Great programs for those with high home equity who want cash out with no monthly payments. Also available an alternative program to reverse mortgages. Call now for more information. Loan Consultant Norma Martinez 408-540-1142 Ext 21; email: [email protected] SIZZLING SENIORS Join our popular dance troupe and exercise classes in Los Gatos and Santa Clara. Call Bev. 408.257.7243.




How to Grow and Protect

Your Nest Egg

Put down those weights for a minute, brake the bike and catch your've probably noticed...the stock market's spent a lot of your precious time this year going the wrong way, definitely marching out of step with your retirement planning. What's an ActiveOver50 to do --be mildly proactive, rabidly overactive or catatonically inactive whenever well-hoarded nest eggs craze and crack? Readers ask the darndest--and smartest--questions. I invite you to send me yours! Question: Most of the queries I receive are in the "Where's the market headed?" category. Answer: No matter how many pundits weigh in, there is no certain answer. However, instead of looking ahead toward the unknown, it's much more telling and infinitely more comfortable to take a look back... as far back as the 1900s in fact, to see how many declines--and "going nowhere" years--preceded this latest economic rollercoaster. My own advent into investing began in '72, just as the market tanked and went pancake flat for the next decade. Question: How can anyone make money if the market doesn't go up? Answer: I made a great deal of money during those level years. Experienced money managers of stellar mutual funds say that you can earn most in bear (down) markets but only realize it a few years later on the upswing. Unlike the average investor, these pros really do know when to "Buy Low." Question: How can we keep emotions from sabotaging investment decisions? Answer: Like most people, when the market goes up, we barely notice. How astute and sure of our decisions we can be when in good times home prices rise, investments grow, our knees still bend and we don't look our age whatever it is. However, backs have been known to spasm from real estate woes and frown lines can settle in as deeply as a prolonged market slump. So according to many experts who track market performance, here's old news that may be pure Botox for smoothing out those financial worry wrinkles: · A routine dip of 5% or more occurs about 3 times a year · A moderate decline of 10% or more about once a year · A severe loss of 15+% as much as every 2 years


Ask Evelyn


Send your personal money questions to: Evelyn Preston,

ActiveOver50 magazine, P.O. Box 321209, Los Gatos, CA 95032 or email: [email protected] or fax to 408.871.1277.

Evelyn's new book, Memoirs the Money Lady, is available at Or call 650.494.7443.

· A bear market of 20%+ about every 3-5 years--and can last almost a year. Since 1900! Question: What can help us sit on our hands during the large market swings? Answer: Investing truisms need to be trotted out in troubled times: · It's time in the market not timing the market, that wins in the long run · Missing even a few days out of the market can substantially lower returns · Most amateur "timers" wind up buying high and selling low · Don't put all your eggs in the same asset class­diversify · It's not what you make, it's what you get to keep­costs do count These may be clichés that you've heard before, but unlike "the check is in the mail," they're rooted in reality and proven by the numbers over time.

Question: Besides the stock market, what other choices have a positive upside with less volatility long term? Answer: 1) Real estate is a grand buffer­with built-in tax benefits­ depending on location. But there are no guarantees. Your personal residence should be rock solid solvent, first as your real shelter and only then viewed as an emergency piggy-bank haven from other economic storms. Note the recent dent in the American Dream for those buyers and brokers­and no-money-down speculators­who fudged the long-term affordability factors. 2) U.S. Government and state bonds can plug along safely for that good night's sleep, while 3) guaranteed bank savings serve as a cushion of cash. Question: Any truly secret formula to wealth? Answer: Absolutely none!

During the past 25 years, Evie has held real estate, insurance and securities licenses. Evie built her client base from offering financial seminars and "Money Smarts" workshops, enjoyed stints on TV and radio and is proud to call herself the "cold calling queen" with no "hang-ups." She continues to speak professionally to organizations, clubs and other groups in order to share her expertise while entertaining her audiences. In her "past life," Evie taught secondary education, wrote a humor column for the Palo Alto Weekly, was featured as a Redbook "Young Mother" and co-authored/published newspaper and magazine articles, most recently on women and finances.




Sex and Intimacy

in the Later Years

By Vivian I. Silva, MSW/Geriatric Care Manager

"Just because I'm in my 80s, doesn't mean I want you to give me a flannel nightgown!" My client's comment was the first time since working with elders that I became aware of aging and sexuality. A frail, homebound client living alone, she was answering the question regarding a gift for the holiday gift baskets. The program allowed my clients to choose one main gift they wanted or needed. She wanted a silky nightgown because she wanted to feel sexy. I don't even remember a class in graduate school where we discussed sexuality and aging. Facilitating support groups for separated and/or divorced persons 50 and older, I soon discovered that the participants wanted to talk about sexuality and intimacy. One woman told me, "I couldn't talk to my husband about sex. I'm not sure I can talk about it in this group." A male participant shared, "I envy the way my son can go on a ski trip with his male and female friends--it's not about sex, they're good friends. I never learned how to have female friends." Needless to say, the comments helped me realize the importance of these topics not only for my

emotional relationship with someone. A myth is that older adults just don't care about sex anymore. Some may not, however, many still want to touch and be touched, to love and be loved. · Sexuality and intimacy doesn't necessarily mean engaging in sex. Older adults tend to be touch deprived. Putting lotion on your family member's hands can be an intimate experience. · Widows often tell me they miss forms of affection such as in cuddling. They miss the relationship of having someone care and they miss being needed. Studies show since women outlive men, there is a shortage of available partners for women. · Society has a negative attitude towards these basic needs of older adults. Due to advocacy for a patient's rights, nursing homes now allow privacy--couples were

"No matter one's age, most people want a close physical and emotional relationship with someone."

clients but also for increasing awareness for professionals like myself. Thus, I became open to discussions about sexuality and intimacy in later life as well as educating my students in the gerontology program at San Jose State University. The following information represents areas of discussion with clients and/or topics in my workshops. · No matter one's age, most people want a close physical and often separated without regard for intimacy or sex. · Normal aging brings physical changes for both men and women. For example, men may find it takes longer for an erection. Vaginal dryness may offer challenges for women. · Mental health issues or a disease such as diabetes as well as medications can interfere with one's libido. Elders have told me they would like physicians to be more willing to discuss side effects of



the diseases and/or medications as they relate to sex and intimacy. · One in 10 persons with AIDS is 50 years of age or older. Women think that condoms aren't necessary because they are past child-bearing age but sex without protection puts them at risk. Women often need coaching to insist their new partner get tested. · Sexuality also involves one's sexual identity. Studies suggest 10 percent of men and women over 65 are gay or lesbian. While grieving the loss of his partner, the residents in a housing development ignored my client when they found out the "brother" that died was not really his "brother." Our society has a long way to go to acknowledge that older adults still have sex and strive for intimacy. Foreign films show sex and intimacy in later life as a normal part of aging. No jokes, no gags. Sexuality continues throughout the human life cycle. I'm still looking for the television ad regarding safe sex with a white haired adult rather than a teenager or college age student. The Viagra ads stand out but we know taking the pills doesn't necessarily improve intimacy. Talking to our loved ones with open and honest communication enhances our intimacy and sexuality. We just have to be willing to risk starting the dialogue and stop thinking it's a hush, hush subject.

Vivian can be reached at 408.209.1247 or [email protected]

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Aging: Eventually you will reach a point thing either dries up or leaks. when you stop lying about your age and I don't know how I got over the hill without start bragging about it. getting to the top. The older we get, the fewer things seem First you forget names, then you forget faces. worth waiting in line for. Then you forget to pull up your zipper. But You know you're getting old when everyit's worse when you forget to pull it down.

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