Monterey, CA Coronavirus Update From A Carmel Caregiver : By Derek Baine

A close up of a cell with viruses inside


There were only four new cases over the last four days reported in Monterey County and two more deaths.  People who have been vaccinated are free to wear masks in public, which makes a huge difference in attitude and spending practices.  In fact, today the Federal Reserve Bank announced that they plan on initiating two interest rate hikes next year to stave off inflation.  The economy appears to be rebounding but many businesses are still having a difficult time finding workers due to the $300/week unemployment kicker the Federal Government has authorized.  Nationwide, we are up to 33.457 million cases and sadly we passed the threshold of over 600K deaths, while in California cases are up to 3.804 million and deaths have surpassed 63,000.

Monterey, CA Tips On ROTH IRA Conversions

A jar of coins with the word retirement written on it.


Tax rates are likely to go up under the Biden administration, and one hedge against this is to convert an existing IRA or 401(k) to a Roth IRA.  You will have to pay taxes on the amount converted but then the IRA grows tax free.  Talk to a tax advisor—and make sure you wait closer to year-end before doing it in case tax rates increase this year.  Or let Monterey Bank or one of our other local banks walk you through the rules.  There are few—for instance, there are no Required Minimum Distributions from this type of IRA.  Talk to Monterey Credit Union, Monterey County Bank or many of the other local financial institutions to open an account, or a financial advisor for advice.

Monterey, CA Keep Your Immune System Strong With A Mediterranean Diet : By Derek Baine

A farmers market with fresh vegetables and fruits.


With coronavirus keeping many people from being active, keeping your immune system healthy is critical.  There are a number of things you can do such as getting enough exercise, not smoking, staying hydrated, having quality sleep time and eating a healthy diet.  Sticking to a Mediterranean diet is a good way of keeping your good health, and it’s delicious.  A study published in the journal Frontiers of Physiology found that healthy people aged 65-79 who ate a Mediterranean diet and took 10 micrograms of Vitamin D daily for a year were able to help offset age-related declines in immunity.  The Mediterranean diet involves eating a lot of vegetables, fruit, nuts, whole grains and one ounce of food daily.  Stay away from red meats and instead eat salmon and other fish, with modest portions of egg.  Olive oil is the fat of choice, and a glass or two of red wine each night tops of the meal.  Check out the local farmers market here in Monterey—they will even deliver!

https://www.cedars-sinai.org/blog/boosting-your-immune-system.html

Carmel, CA Financial Elder Abuse Hit Record During Pandemic : By Derek Baine

A woman sitting next to an older person.


An FBI report said that Americans were victimized by cybercriminals at a record rate last year, a result of so many people being stuck at home and in front of their consumers.  Total consumer losses to online thieves in 2020 surpassed $4.2 billion, with almost half of that amount lost to those over 50 years old.  Unfortunately, since there is so much wealth in Monterey County—in Carmel, Pacific Grove and Pebble Beach in particular—seniors here are disproportionately targeted.  Be suspicious anytime someone you don’t know calls or emails you. (AARP Bulletin May 21, P6).

Pebble Beach, CA Home Care Aide (HCA) Senior Alzheimer’s & Dementia Caregiver Jobs Available Certified Nursing Assistant CNA Designation A Plus

A nurse is smiling next to an older woman.


Pebble Beach, CA Home Care Aide (HCA) Senior Alzheimer’s & Dementia Caregiver Jobs Available Certified Nursing Assistant CNA Designation A Plus (Also Aromas, Big Sur, Carmel, Carmel-by-the-sea, Carmel Valley, Castroville, Corral-de-Tierra, Del Rey Oaks, Gonzalez, Greenfield, King City, Marina, Monterey, Pacific Grove, Prunedale, Salinas, Seaside and Soledad

We have developed a reputation for having the best caregivers (Home Care Aides or Senior Companions) in Monterey County.   We are currently looking for qualified caregivers.

Family inHome Caregiving of Monterey is seeking compassionate, mature and dependable caregivers who want to improve the lives of our elderly Clients by providing in-home, non-medical care.  Our services include:

Caring companionship

Meal preparation

Incidental transportation

Running errands

Light housekeeping

Medication reminders

Monitoring of safety while bathing

Information and referral services

Other services that improve the safety, security and quality of life of seniors.

If you believe you would make an exceptional Home Care Aide, we would love to hear from you!  We prefer those with experience helping the elderly, disabled and others with mobility problems.  Having cared for those with dementia and/or Alzheimer’s is a plus.  To work for us, you must have excellent references, a clear criminal record, a good driving record, and an insured reliable vehicle.  To apply, please visit our website www.fhcofm.com, click on home care aides, then careers where you can fill out an application online.  We have immediate openings all over Monterey County.

Monterey, CA Don’t Let COVID-19 Prevent You From Regular Skin Cancer Checkups : By Derek Baine

A man with his back turned on the beach.


Coronavirus may be keeping you from going to the doctor as much as you need to.  However, telemedicine makes it easy to see a doctor.  Even dermatologists are now available via videoconference.  A company called DermTech is transforming telemedicine to detect skin cancer.  According to the American Cancer Society, melanoma has a 99% five-year survival rate if caught early.  However, this survival rate drops to 65% if it has spread locally and 25% if spread distantly.  If you are looking for a great local dermatologist, I recommend Joe Rheim.  Give him a call at 931-373-4404.  For more information, go to https://dermtech.com/

https://www.futureofpersonalhealth.com/skin-health/understanding-preventing-and-identifying-skin-cancer-this-winter/

Carmel, CA Genworth Long Term Care LTC Premiums To Go Up


Carmel, CA  Genworth Long Term Care LTC Premiums To Go Up

One of the few remaining companies in the long-term care industry, Genworth, sent out a brochure to policy holders signaling rate hikes are coming.  Said the company:

Our policies are generally held for 30-40 years, which means when they were initially priced, a lot of assumptions were made future costs for claims that would be made decades later.  Many of those assumptions were incorrect because the cost of and demand for care have both skyrocketed since.  Insurance companies, including us, have had significant losses as a result.  Many have left the business.  Despite losing $3.6 billion on our older legacy policies, we’ve decided to stay in the business and file for rate increases on these older policies and select newer ones to cover the cost of future claims.  To learn more, call 1-888-479-6889 or go to Genworth.com/LTCpremiums

Pensions Saved In Stimulus Bill

A jar of coins with the word retirement written on it.


More than a million plan participants who were in danger of having their pension payments slashed were bailed out in a recent stimulus package.  It gave $86 billion to shore up employee pension plans covering retirees at a myriad of companies.  AARP fought hard for the measure, says David Certner, AARP’s legislative policy director.

COVID Impact On The Brain May Last Forever : By Derek Baine

A close up of the word coronavirus with an image of a virus


We have written repeatedly on our blog about the importance of proper nutrition, social interaction and exercise is key to keeping the mind and body healthy for seniors.  A new study from Arizona State University Edison College of Nursing and Health Innovation had participants either ride a stationary bike or do stretching exercise for six months.  Those who took part in the regular exercise program had significantly less memory loss than those who don’t follow a particular exercise regimen.  The results were published in the Journal of Alzheimer’s disease.

Monterey

Pacific Grove, CA Tip For Diabetics : Exercise Frequently : Derek Baine


Pacific Grove, CA  Tip For Diabetics : Exercise Frequently

If your job requires you to do a lot of sitting, make sure you take frequent breaks especially if you are diabetic.  The ADA’s 2020 Standards of Medical Care in Diabetes recommends doing a light activity for every 30 minutes of uninterrupted sitting.  Sitting increases insulin resistance, and it also increases blood pressure and impedes blood flow.  Try taking a walk around the block!  To get more information on diabetes, visit Community Hospital of the Monterey Peninsula, CHOMP’s, Diabetes and Nutrition website.  You will find useful information about support groups, classes and more.

https://www.chomp.org/locations/location-profile/diabetes-and-nutrition-therapy/#.X9F3p9hKjcs

Another useful resource is Community Health Innovations.  A full 45% of Monterey County residents have Diabetes or pre-Diabetes!