• Savvy Senior

    Savvy Senior: How to Reduce Your Medical Bills

    Dear Savvy Senior,

    What tips do you recommend to Medicare beneficiaries dealing with hefty medical bills? My husband recently had open heart surgery and is recovering slowly, but the medical bills are coming in fast and furious and they’re putting us in medical debt.

    Struggling in Springfield

    Dear Struggling,

    I’m sorry to hear about your billing struggles, but medical debt has unfortunately become a chronic problem in this country. According to U.S. Census data 19 percent of Americans households carry medical debt, including 10 percent of households headed by someone 65 or older. Even seniors on Medicare can easily get snagged in a web of complicated billing and coverage problems.

    To help you slash your medical bills, here are some tips recommended by health care experts that you should try.

  • Savvy Senior

    Savvy Senior: Tips for Being a Long-Distance Caregiver

    Listen my interview with Savvy Senior’s Jim Miller on the One Thing or Another Podcast.

    By Jim Miller

    Dear Savvy Senior,

    What tips do you recommend for long-distance caregivers? I help take care of my stubborn 86-year-old mother who still lives at home about 150 miles from me.

    Need Advice

    Dear Need,

    Providing care and support for an aging parent who lives far away can present a variety challenges that can make the job difficult and stressful. Here are some tips and resources that may help you.

  • Savvy Senior

    Savvy Senior: Little Known Property-Tax Relief Programs Help Seniors Save

    Dear Savvy Senior,

    I recently learned about a property-tax relief program for seniors in the county where I live. Apparently, there are hundreds of these programs across the country that many retirees, like me, are eligible for but don’t know about. What can you tell me about this?

    Overtaxed Eddie

    Dear Eddie,

    Great question! Residential property-tax refund and credit programs exist in nearly every state, but unfortunately few people know about them. These programs can help retirees and many other Americans by reducing their property taxes. Here’s what you should know.

  • Dreamshaping

    On Dreamshaping: Treating Ourselves to Illness

    Mark McNease

     

    I recently spent several weeks with a cold—or a flu, or a sinus infection, or some dreadful combination of them all. A cough still lingers, the voice still gives out if I talk for more than a few minutes. This kind of seasonal illness has been with me for most of my life. It brings discomfort and frustration, dread at what awaits me in my elder years, and the perfect excuse to start reaching for those comfort foods and behaviors I believe I’m entitled to under the circumstances because I deserve this. It’s a way to quickly short-circuit any deeper or prolonged analysis of what’s really happening: I’m in a sate of discomfort, and I want something to make me comfortable that doesn’t require more effort than getting it from an ice cream container into my mouth.

  • Savvy Senior

    Savvy Senior: How to Buy Over-the-Counter Hearing Aids

    By Jim Miller

    Dear Savvy Senior,

    I’m interested in getting some of the new over-the-counter hearing aids that just became available a few month ago. Can you offer any tips to help me with this?

    Straining to Hear

    Dear Straining,

    The new FDA approved over-the-counter (OTC) hearing aids that started rolling out this fall are a real game changer for the roughly 48 million Americans with hearing loss. Adults with impaired hearing can now walk in and buy hearing aids at a pharmacy, big box chain, consumer electronics store or online, without a prescription and without consulting an audiologist.

  • Dreamshaping

    On Dreamshaping: Mission Accomplished

    Mark McNease

     

    I’m on a mission. How many times have we said this to ourselves? How many times have we told it to the people around us? Being on a mission is a way of focusing our attention and energy onto whatever that mission is. For a few people there may be one overriding mission in their lives—to be an actor, a writer, a doctor, the raiser of a family—but for most of us there are multiple missions that change over time. We may be on a mission to earn a degree during our college years, or to succeed without one. We may be on a mission to raise children, or to live our fullest lives without them. We may be on a mission to lose weight, or further our careers, or even to find the kind of inner peace that surrenders missions altogether! That’s a little closer to nirvana than I will likely ever come, so I accept that I have missions. The challenge is finding the best ways to pursue them.

    It’s okay to have a goal, to see a particular destination in the distance that we work our way toward. A mission can be as narrow as arranging an event and having it go off to our satisfaction, or as wide and critical as surviving our formative years. I’ll admit I’d been on a mission to get through high school and leave the town I’d grown up in. It was among the most difficult missions of my life, but it is a mission accomplished. I made it. I thrived. I found other, less life-threatening missions to devote myself to.

  • Dreamshaping

    On Dreamshaping: The Wrong Idea

    Mark McNease

     

    If you spend much time watching television or browsing the Internet, you’ll quickly realize what advertisers have been telling us all our lives: that there is something wrong with us. Vast fortunes are made by people convincing us we’re naturally defective and the best way to repair our damaged selves, if they can be repaired at all, is by using whatever product they’re selling. Hair loss? They’ve got the cure. Overweight? Try one of dozens of programs, apps and plans guaranteed to slim us down and give us a fighting chance of at least liking ourselves, if love is too much to hope for.

    We’re told so often, for so long, that something is wrong with us that we internalize it early in life. Good, supportive parenting is to be admired and encouraged, but it’s often the exception to the rule. Too many parents discourage their children’s curiosity and self-expression, choosing to limit them instead, often because they’d been limited themselves. We grow up being much more familiar with don’t, can’t, won’t, than we are with do, can, will, or try. Too many parents see their children as extensions of themselves, including their own disappointments and unmet expectations. They want sons to play sports, girls to keep flower-covered diaries. They seek to create only slightly altered versions of themselves in the adults their children grow up to be.

  • Dreamshaping

    On Dreamshaping: When the Body Speaks, Listen

    Mark McNease

     

    Our bodies are often the first to tell us when something isn’t right, when something needs attention. They begin speaking to us almost as soon as we find ourselves in this strange environment we call our lives: they tell us we must breathe within moments after emerging from the womb; they tell us we must rid ourselves of waste, first with the abandonment of an infant, and later with the control we’re taught and that eventually determines much of how we function in the world. Our bodies tell us when change is upon us, in stages that can be as frightening as adolescence, or as sudden as a broken bone, or as marvelous as a first sexual response.

    Our bodies are constantly speaking to us. Unfortunately, we often refuse to listen, believing we know better than our bodies, or being unable to understand what they’re telling us, or simply denying the truths they speak. Bodies are wild and natural, and taming them sometimes comes with a very high price. But we can begin to hear what they tell us, and by taking their advice we can live a freer, easier existence less burdened by pain and uncertainty.