The primary purpose of diabetic socks is to keep your feet dry, decrease your risk for foot injury and avoid preventing or slowing blood circulation. The difference between diabetic socks and regular cotton socks is that they are usually are made of materials that wick away moisture, are fitted, padded and are non-binding. Because people with diabetes are at higher risk of foot injuries and infection due to damage to their circulatory and nervous systems caused by high blood sugar levels, they would benefit from wearing diabetic socks. Nerve damage, or neuropathy, decreases sensation and increases risk of injury, particularly…
In real estate, capital gains are the difference between the purchase price of your real estate and the price you sell it for. Capital gains tax is what you pay on that difference, after adjusting for a variety of exemptions, deductions and tax breaks. The tax on capital gains income is calculated separately from the tax on your regular income and often at a different rate. In addition to federal capital gains taxes, most states, including California, tax the gains too. In most instances, the real estate exemption rules are as follows: If you are single, you can make up…
One of the questions I am most often asked is this one: what is the best age to buy long-term care (LTC) insurance? A number of years ago Consumer Reports studied this and came up with the following: While I think this is, for the most part, still true, I have refined my advice to a range from 55 to 65 years old (the younger the better) as the best age to buy. I came to this conclusion partly for the reasons outlined above and because folks in this age range really feel the need to add LTC in order…
Alzheimer’s disease is a progressive neurological disease that primarily affects the elderly. In 2015 it was estimated that 5.3 million Americans were suffering from the disease. As the baby boomers age this number is predicted to more than double, with over 13 million Americans affected by 2050. Without significant new treatments, the rise in the number of Alzheimer’s patients will place a tremendous economic and social burden on the United States. Unfortunately, the development of new drugs for Alzheimer’s disease has not gone well. In the last 10 years no new drug substance has been approved. Between 2005 and 2015,…
Keep your Medicare card safe You’ll usually need to show your Medicare card (or your Medicare Advantage plan card, if you choose Medicare Advantage) when you receive services. Bring it along when you go to the doctor. Help prevent fraud Your Medicare card and your Social Security number are valuable personal information. Keep track of your card. Handle it the way you would handle other valuable information, like a credit card. If you suspect someone else is using your Medicare card or your Social Security number, call the Medicare Helpline immediately. (1-800-MEDICARE). Choose you providers carefully The quality of care…
Al W/ Hensling, president of United American Mortgage Corporation addresses frequently asked questions and clears up common misconceptions It is estimated that approximately two-thirds of Americans will receive more than 50% of their retirement income from Social Security. But seniors who are concerned about the future of Social Security (or whether they will outlive their retirement savings), may want to look to their home equity as another possible source of income. A reverse mortgage is a retirement asset that can be effectively utilized as part of a retirement income plan to support your retirement goals and needs - and help…
Alzheimer’s disease is the most common form of dementia. It is a progressive neurodegenerative disease that causes changes in learning, memory, thinking, planning and behavior. The disease currently affects an estimated 5.3 million Americans, and that number is expected to increase to over 13 million by the year 2050. The human brain The human brain is the control center of the body, as well as the most complex part of the body. This intricate organ is responsible for our ability to think, learn, interpret senses, create body movement and control behavior. The brain is made up of 86 billion nerve…
A Q & A with Martin J. Lombrano, AIF®, LPL Financial Advisor What are you going to do with the money you have saved for retirement? One option is an annuity - a long-term retirement contract that can give you regular income over the course of your retirement rather than forcing you to manage a large lump sum. The big difference between the old-time corporate pension plan and an annuity is that the amount you receive is entirely dependent upon how much you put into the annuity.Understanding how these tax-deferred investment choices work - and the differences between a fixed…
The holiday season filled with friends, family and lots of food has come to an end. The start of the New Year is a perfect time to get back on track with healthy habits and take charge of your family’s health. CalOptima, the health insurance provider for thousands of adults and children throughout Orange County, offers these easy tips to start off 2016 on the right foot: Get vaccinated: Vaccinations are one of the best ways to protect you and your family from potentially harmful diseases. Immunizations such as the flu shot are important to people six months or older…
U.S. News and World Report presented an article in their November 16, 2015 issue entitled “10 Essential Tech Tools for Older Adults.” The subtitle further elaborated: “From medication monitors to GPS insoles, these devices make life easier and healthier for seniors.” Each of the 10 Tech Tools held its own as a great idea for those of us in the “Older Adult” category, but it quickly occurred to this reader that there was need for at least one more help item beyond Smart Watches, Fitness Trackers, and e-Readers in the lives of most seniors. While it is important to keep…
Dec 25, 2015

South Coast Safe Access

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In California, patients who wish to acquire medical marijuana need a doctor’s approval and require enrollment in a patient registry and a medical marijuana identification card to be shown at a dispensary (this ID card is issued to patients who have a signed statement from a doctor diagnosing their specific condition and that medical marijuana is the recommended treatment protocol). California's medical marijuana laws state that marijuana can be used for a wide range of health conditions - from arthritis, anxiety, chronic pain, insomnia and migraine headaches to diabetes, glaucoma and "any other illness for which marijuana provides relief." In…
Some conversations are really hard to have. Especially those related to our, or a loved one’s, end of life. Most people are hesitant to have the “talk.” I call these “3D” conversations as they are subject to denial, delay, and deflection. Let’s have one. In the vast majority of couples there will be a survivor, one who lives longer than the other. The survivor probably has been a caregiver for the other half of the couple: possibly the primary, if not only, caregiver. If she is the last one standing, how will she get the care she needs? That is…
California is a prime target for senior financial abuse as it is the nation’s highest retirement destination, with an estimated 4.2 million people over age 65 living in the Golden State in 2012. The California Department of Finance projects that by 2020, California’s over-65 population will have increased by 50 percent from 2010 to 6 million and by 2020 will have doubled to 8.4 million as even the youngest baby boomers reach 65 years old.  At an age when the labors of a lifetime should be enjoyed, con artists, unscrupulous companies, caregivers, and even trusted family members are exploiting many…
Back in the 1980’s and 1990’s, when most of us first did our living trusts, Estate Attorneys and Accountants chanted the praises of dividing our estates into two or three parts when the first spouse died. What we were told then was right: the best way to avoid probate and at the same time reduce or eliminate Estate Taxes was to slice the trust in two at the first death to take advantage of the $600,000.00 that each partner in a marriage could pass on to children without any tax bill to pay. For most people, that eliminated the possibility…
Stress is all around us. Dealing with the daily stresses of life can be hard for older adults. Coping with stress in healthy ways can help you develop the skills to adapt and move forward from stressful situations. According to the Center for Disease Control and Prevention (CDC) stress is a condition characterized by symptoms of emotional tension. It is also typically a reaction to a situation that causes anxiety. Levels of stress can vary depending on the situation or perceived situation and our ability to cope. The fact is that stress is inevitable. However, instead of always trying to…
Dec 01, 2015

Scott G. Lamming, DDS

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Imagine not being able to chew a steak for years and years and then going to your favorite restaurant and ordering a thick, juicy filet? Or biting into a caramel apple for the first time since you were a kid? These are real examples of the life-changing (not to mention the confidence-boosting, smile-enhancing) results experienced by patients of Scott G. Lamming, DDS of San Juan Capistrano. Dental implants are now considered to be the single most successful procedure in dentistry today. “Dental implants are very predictable, they do not decay, and they can last you a lifetime with proper care,”…
Dec 01, 2015

How to

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SNOWY MASON JAR Steps: 1. Pour Epsom salt in to a flat container and set aside. Make sure container is wide enough to easily roll mason jar in.2. Dip sponge brush into mod podge and evenly coat the outside of the mason jar. Do not coat the bottom of the jar or the threaded area on top.3. Carefully roll mason jar in the Epsom salt, covering thoroughly.4. Stand upright and let dry overnight.5. Once dried, wrap top of mason jar with twine and add your holiday finding.6. Enjoy as-is, or insert a tealight candle to add a little sparkle to…
The holidays are here, and you know what that means – lots of holiday fun! Holiday events are happening across Orange County - from Christmas tree lightings to holiday parades and cruises, December is packed with special seasonal events and holiday cheer! Here is a sampling to get you into the holiday spirit! COSTA MESA A Cirque ChristmasDecember 18-19Orange County Performing Arts Center Renée and Henry Segerstrom Concert Hall600 Town Center Drive Costa Mesa, CA 92626(714) 556-2787www.pacificsymphony.org/tickets/concert/Cirque_ChristmasA delightful Christmas concert for the whole family: Holiday tunes add a special sparkle to this jaw-dropping fusion of acrobats, aerial artists, contortionists, dancers,…
Hearing Loss just does not affect your ability to understand speech, it affects all aspects of your life. Seniors with Untreated Hearing Loss are significantly more likely to develop Dementia over time than those who retain their hearing or treat their hearing loss early. The link between Untreated Hearing Loss and development of Dementia and Alzheimers Disease. Multiple studies indicate that hearing loss can be linked to the onset of Dementia and Alzheimers Disease. Dr. Lin, over a six-year study (JAMA Internal Medicine. Frank R. Lin, MD, PHD. Hearing loss and Cognitive Decline in Older Adults) observed 1,984 adults with…
Dec 01, 2015

Backstreet Home Décor

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Accents and accessories to make a house your “home” When writing a showcase on their respective businesses, it’s always nice to be able to get to know these individuals through the perspective of their clientele, but it’s even more fun when I can count myself among their customers. Such is the case with this month’s cover feature subject: Susie Smith, owner of Backstreet Home Decor - the landmark San Clemente boutique on El Camino Real with a second high-profile storefront in the heart of downtown on Del Mar Street - a thriving business that evolved from a single mom’s desire…

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