Family obligations are causing many people to quit their jobs in order to take care of a loved one. Because of this an increasingly important question people are asking is “can I get paid to care for a family member as a family caregiver”?

People that quit their jobs and pay out of their own pocket to take care of a loved one are saving government agencies and insurance companies billions of dollars! We know you work so hard to take care of your loved ones but the sad thing is there aren’t very many programs that pay family caregivers.

Let us point you in the right direction:

1. Company Caregiver Programs.

Before quitting your job see if they are caregiver friendly! Some companies may allow you to work part-time or are flexible with your schedule depending on needs. If not be aware that under the Family and Medical Leave Act you are entitled to 12 weeks of unpaid leave per year. Speak with the HR department where you work before making a decision.

 

 

 

 

2. Department of Aging Services.

Every state should have one of these departments with programs to provide assistance. Some of these programs will even provide financial support through stipends and reimbursing medical supplies. Find your local department and see what they have to offer!

 

 

 

3. Special Condition Organizations.

Private organizations like the American Cancer Society or Alzheimer’s Association sometimes provide caregivers support. Each organization is different with its own set of requirements for aid, but it’s worth looking into!

 

 

 

4. Guardians of Disabled Children.

If you are caring for a disabled child that is not biologically yours you may qualify to become a subsidized guardian. The neat thing about this program is it provides financial support to you as a caregiver and keeps the disabled child out of the foster care system. Contact a social worker for more information.

 

 

 

5. Long-Term Care Insurance for In-Home Assistance.

Shop around for long-term care insurance, some of them will pay for what they deem as “in-home assistance needs”. However, be aware that these policies are rare and usually exclude paying anyone living in the household. So if you are contemplating moving into your loved one’s home you may want to get in touch with a local insurance agent first to see what your options are.

 

 

 

6. Government Agency Support.

Medicare will not pay for any in-home care or adult type services so your best bet will be Medicaid. The amount of support to caregivers by Medicaid depends on what state you live in. Contact a local Medicaid office to find out what options you have. If the office you are contacting does not respond try the National Resource Center for Participant-Directed Services.

 

 

 

7. Local Counseling Programs.

Again these programs depend on what state you live in, we have compiled a small list for you:

Texas has two programs: Community Based Alternatives (CAB), and Department of Disability and Aging Services (DADS).

California: In-Home Support Services.

Idaho: Certified Family Home Services (CFHS).

New York: Consumer Directed Personal Assistance Program (CDPAP).

Don’t live in any of those states? Contact Caregiver Homes to see if you qualify for support.

 

 

 

8. Veteran Benefit Services.

Besides the many wonderful services the U.S. Department of Veteran Affairs provides did you know they have specific programs to support family caregivers? They provide support for in and out of home needs, click the link to go directly to their website: http://www.caregiver.va.gov/support/support_services.asp

 

 

 

 

 

 

9. Aid Pensions.

Both veterans and their spouse are qualified for additional pension money if they require in-home health aids or other professional health assistance because of a disability. http://www.caregiver.va.gov/support/support_services.asp

 

 

 

 

 

 

10. 9/11 Veteran Support.

If you are caring for a veteran that served post 9/11 you may be qualified to receive one or more of these: monthly stipend, health insurance, counseling, and special care. Also, you can add up to two additional secondary family caregivers besides the primary caregiver that can also receive support!

 

 

 

 

 

 

11. Cash Assistance and Food Subsidies.

If none of the above suggestions worked for you then contact the Department of Welfare for your state. You might not get the same amount of aid as the other programs but you may receive food subsidies or some cash assistance.

 

 

 

 

 

 

12. Caregiver Tax Deductions.

Providing for a loved one can be difficult, especially if you are doing it full-time without a pay check. In order to claim your loved one as a dependent on your taxes you must be paying for more than half of their basic living expenses every month. If you don’t qualify for that then see if you can deduct their medical expenses from your taxes. We recommend speaking with an accountant first to see what your options are.

 

 

 

 

 

 

Retrieved from: http://www.thecaregiverspace.org/paid-family-caregiver/

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  1. Contribute yearly to an IRA account. “If you run the numbers, someone who doesn’t skip contribution years versus someone who does, the person who doesn’t skip years will end up with more money in retirement,” Ken Hevert, vice president of retirement products at Fidelity Investments stated. Retrieved from: http://www.bankrate.com/finance/retirement/common-ira-mistakes-how-to-avoid.aspx?ec_id=cmct_01_comm_PF_mainlink&MSA=#slide=2​

IRAs (Individual Retirement Accounts) are not as simple as they appear; avoid making mistakes by knowing the rules of the account. Each year that you’re eligible to make contributions and don’t is a chunk of retirement income you have lost. The most significant factor in the amount of money accumulated at retirement is not the rate of return on investment but the amount you save!

 

 

2. Tax-free investments. Roth IRAs are a great example of this; taxes are paid up front on your investment so you that in retirement all distributions interest and earnings are tax-free! Keep in mind that there are some income limitations. As of 2014 married couple filing their taxes jointly and earning more than $191,000 per year cannot contribute to a Roth. Also, any single people earning more than $129,000 are also unauthorized.

If you meet one of the above restrictions don’t panic! There are other options and ways to sidestep these investing obstacles, continue reading.

 

 

3. Make too much money to qualify for an IRA? You still have options to get around this! High earners can still open a Roth IRA, the trick is to contribute to a nondeductible IRA first, and then convert it to a Roth. A nondeductible IRA is basically a traditional IRA for which there is no tax deduction. The best part is it’s available to almost everyone as long as you can prove your wages or self-employment income. Moving your money from typical tax to a tax-free shelter is an excellent way to safeguard your money.

 

 

4. IRS minimum distribution rule. The traditional IRA distribution age begins at 70 1/2. Failing to take out the entire amount required can lead to very severe penalties. The IRS can charge a tax penalty of up to 50 percent of your distribution! However, with a Roth IRA there are no minimum distributions required during your life. But, if you leave the money to a non-spouse beneficiary, that person will be required to take distributions. Those distributions are based on their own life expectancy assuming they choose to stretch the tax advantage of the retirement account. Also keep in mind any beneficiaries of traditional IRAs who choose the stretch option have to deal with the minimum distribution rules including the same 50 percent penalty for not to take the full distribution.

 

 

5. Investing too much. Unfortunately for those of you with spare investment dollars the IRS limits the amount you can invest in both the ROTH and traditional IRA accounts per year. The limit as of 2014 is $5,500 per year, but the good news is if you are 50 years of age or older you can invest up to $6,500! If you do invest more than the limit then you will be subject to a 6 percent penalty on the excess each year, so choose wisely. What happens if you get in the habit of contributing each year and forget? As long as you catch the mistake before you file taxes you can correct it. Another option to correct this mistake is counting your larger contribution partly for the coming year; however you have to document this with the IRS.

 

 

 

 

 

6. Paying a broker or bank to rollover your accounts. The risk with paying someone else to handle your financial transactions comes down to the smallest details. You have no guarantee that your advisers will be proactive and check things. Transferring a retirement account, rolling over a 401(k) or transferring your IRA to a new custodian account need meticulous attention to those little check boxes. If the customer service representative at the receiving institution is not on alert they may accidentally hit the wrong box, and the money will go to a regular account. That action is taxable! Losing your tax sheltered account as well as paying taxes owned on the entire account balance makes those mistakes very costly so beware whom you trust.

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Before you do anything first try to understand why they are falling. Some people will naturally roll out of bed when in a deep sleep while others fall when trying to get up out of bed.

 

If they are rolling out of bed

The remedy is simple, find a product that will keep them on the bed while they sleep.

1. If your loved one is strong enough to raise and lower themselves at night one option is to purchase a bed rail or switch to a bed that’s lower to the floor, or both.

Some suggestions:

When buying a bed rail keep it in position so that your loved one has something to grab onto while getting in and out of bed, but doesn’t impede their movement.

Also, purchasing a headboard or head and foot rails for the bed isn’t a bad idea to add additional support.

 

 

 

2. Buy a wheelchair cosy, also called a posey, depending on the company that makes it. The product is kind of like a half sleeping bag with straps that go on each side. By attaching these to the bed you can restrict the person from moving too far to one side of the bed or the other, eliminating falling.

 

 

 

3. Consider using an intercom system if there is someone present in the home at night time, this way the loved one or aide can hear when they wake up and if need be they can call for help getting out of bed.

“You might also use a hospital bed or bed with side rails, but work with a professional consultant to make sure it’s safe”- Joel Gottsacker, Geriatric Care Manager

Retrieved from: https://www.caring.com/questions/faq-whats-the-best-way-to-keep-my-loved-one-from-falling-out-of-bed

 

 

If they are getting up and then falling out of bed

4. If they are going to the bathroom many times during the night speak with a physician to figure out the best way to manage their hydration. Caution: you don’t want to under hydrate! However, you can limit your loved one from drinking past a certain time and working on a toileting schedule to avoid needing to go at night.

 

 

 

 

 

5. Don’t confuse hydration issues with urinary urgency. If it’s the later then the solution might be to take certain medications or get a bedpan, but consult with your doctor first before making a decision. Keep in mind that medications can be tricky for elderly adults. Some medication can make them feel disoriented or dizzy when they try to get up out of bed at night.

 

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Gram-Gram’s Brown Sugared Yam Slices 

Total Time

Prep: 5 min

Cook: 1 ½ hours

Serves: 8-12

Ingredients

3-4 medium sized yams

1 ½ cups of brown sugar

2-3 TBSP of butter

12 oz bag of pecans-chopped is easier

Directions

Using a large pot bring 6-8 cups of water to a boil

Place yams in water and cover. Boil yams until cooked through

Place butter in a glass liquid measuring cup and microwave until melted

Peel cooked yams and cut into inch-thick slices

Place slices on a tin foiled baking tray

Pour melted butter over slices

Sprinkle brown sugar and pecans over slices

Turn oven on to broil at 300 F

Place tray inside the oven on the middle rack

Keep the door to the oven slightly open and watch for the butter and brown sugar to caramelize

 

Homemade Cinnamon Cranberry Sauce

Total Time

Prep: 5 minutes

Cooling time: 1 hour

Cook: 15 minutes

Serves: 10-12

Ingredients

2/3 cup of sugar

½ cup of no sugar added orange juice or freshly squeezed

¼ teaspoon ground cinnamon

1/8 teaspoon kosher salt

One 12-ounce bag of cranberries

Directions

Combine the sugar, orange juice, 1/2 cup water, the cinnamon, salt and cranberries in a medium saucepan

Bring up to a simmer over medium heat and cook for 15 minutes

Let it cool completely before serving

Retrieved from: http://www.foodnetwork.com/recipes/bobby-deen/homemade-cranberry-sauce-recipe.html?oc=linkback

 

Green Bean Casserole

Total Time

Prep: 5 minutes

Cook: 25 minutes

Serves: 8

Ingredients

2 cans (14.5 oz each) French-style green beans, drained

1 can of condensed cream of mushroom soup

¼ cup of milk

1 can of french-fried onions

Directions

Heat oven to 350°F

 In 1 1/2-quart casserole or glass baking dish, mix green beans, soup and milk

Bake 20 to 25 minutes, topping with onions during last 5 minutes of baking, until bubbly

Retrieved from: http://www.bettycrocker.com/recipes/green-bean-casserole/f466928f-a799-4cdc-89ba-1e0bbedf878b

 

Sautéed Carrots

Total Time

Prep: 5 min

Cook: 10 min

Ingredients

2 pounds of carrots

1 teaspoon of kosher salt

¼ teaspoon of black pepper

2 tablespoons of unsalted butter

1 ½ tablespoons of dill or parsley

Directions

Peel the carrots and cut them diagonally in 1/4-inch slices, you should have about 6 cups of carrots

Place the carrots, 1/3 cup water, the salt, and pepper in a large (10 to 12-inch) sauté pan and bring to a boil

Cover the pan and cook over medium-low heat for 7 to 8 minutes, until the carrots are just cooked through

Add the butter and sauté for another minute, until the water evaporates and the carrots are coated with butter.

Off the heat, toss with the dill or parsley. Sprinkle with salt and pepper and serve.

Retrieved from: http://www.foodnetwork.com/recipes/ina-garten/sauteed-carrots-recipe.html?oc=linkback

 

 

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1. Figure out what design you want to carve: It’s always better to have a design in mind before you go pick out a pumpkin, that way you can pick out one with the right dimensions. Depending on the design it might be better to go with a short, round one, or a tall, narrow one. Just try to find a pumpkin with a similar shape to the pattern you want to carve, especially when using stencils.
2. Picking out the right pumpkin: Make sure the skin is smooth and the color looks the same all over the pumpkin, watch out for discoloration and mold! When you press on the skin it should be firm and not give, avoid pumpkins with bruises, cuts or any dents if you can. Also, knock on the pumpkin with your fist, if it makes a hollow sound that generally means it’s ripe. This is fine if you only want to carve but realize unripe ones will last longer on your porch.
3. Handling and storing your pumpkin prior to carving: After you have picked out the pumpkin you want be sure not to carrying it by the stem, I know this is tempting but don’t! The stem is a big part of the visual for the finished Jack-O-Lantern, and if the stem breaks off it will cause the pumpkin to rot sooner. Store your pumpkin somewhere cool, dry, and preferably away from sunlight until you are ready to carve. This helps it last longer, once you have finished carving and put it out onto your porch the heat and sunlight will deteriorate it fast.
4. Carving prep: Wash the entire skin of the pumpkin prior to carving with a water and chlorine solution. 1 gallon of water with 1 teaspoon of chlorine, this helps prevent molding prematurely. Next, draw your pattern of choice on paper, this makes revisions much easier. DO NOT DRAW ON THE PUMPKIN.
5. Transferring pattern to pumpkin: You are going to need scissors, tape, and needles or a craft knife for this step. Cut out your pattern with the scissors being careful not to cut too close to the actual pattern. Once completed tape the cut out onto the pumpkin where you would like the pattern to go. Next, use your needle or craft knife to poke holes through paper to score the shapes you want to carve onto the face of the pumpkin. If this is sounds like too much work or you don’t have the tools then you can buy a fairly inexpensive pumpkin carving kit at most grocery stores.
6. Carving Time: Lay out some old newspaper on top of a steady surface or table and place your pumpkin on top of that. Small, serrated edge blades work best for carving. Use slow, controlled, sawing motions when cutting. Please DO NOT try to cut your pumpkin with a normal straight-edge razor, forcefully pressing the blade through will damage the pumpkin and you could possibly cut yourself. Be patient, some shapes take time. If you can’t get through to the other side on the first try that’s okay!
7. Carving out the top or head of the pumpkin: After you have finished carving out your design use a similar blade to carve out the top. Use a dark colored marker and draw a small circle around the stem about an inch and a half away from the stem. Next draw a small triangle that connects from the stem to the circle you just drew. This triangle will act as a chimney when finished. You can cut out the circle first and pull up the top or cut out the triangle first, it’s really personal preference.

8. Scraping out the inside: This is my least favorite part of carving but good news is you are almost done! Some people like to use a spoon to scrape out the inside and avoid getting sticky; personally I like to stick my whole hand in to take out the excessive clumps first. Once I have finished getting all the excess seeds and clumps out I use a spoon or dough scraper to clear out the bottom. Your goal should be to provide a flat surface for the candles to sit once you are finished. Once flat put no more than 3 or 4 small candles inside your pumpkin and set on your porch. Lite the candles and put the top back on. You are ready for trick-or-treaters!

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Having trouble falling asleep or staying asleep? You may be lacking key nutrients, don’t worry we are here to help you fight the natural insomnia that comes with age!

The National Sleep Foundation estimates “that 64 percent of adults over 65 consider themselves a morning person”. They went on to explain that as we age our cardiac rhythm changes slightly, making us feel drowsy in the early evening but then awaking too early the next morning.

Nutrient-Rich Foods List:

  1. 1.      Fresh Fruits- One of the favored fruits among athletes are bananas for their high sources of potassium, but did you know they also contain high amounts of magnesium which has been linked with decreasing anxiety? Bananas also contain tryptophan, an amino acid that helps induce sleep. How it works is the tryptophan is converted by the brain into serotonin and melatonin which are neurotransmitters that promote relaxation and sleepiness. Cherries are another good source melatonin if you don’t like bananas, and peaches, apples, and apricots all contain high amounts of magnesium. (Stevenson, S. 2014, June 27).
  2. Complex Carbohydrates- Certain carbs also contain amounts of tryptophan including oatmeal, popcorn, jasmine rice, and sweet potato. Mashing up a cooked sweet potato and pouring honey on it is an excellent bedtime treat to help you relax your way to some rewarding zzzz’s. Another good recipe is having a small bowl of oatmeal because it also has plenty of magnesium and potassium. (Stevenson, S. 2014, June 27).
  3. Lean Protiens- Remember Thanksgiving dinner last year? Remember how everyone took a nap after? That’s because lean proteins are filled with you guessed it tryptophan. Eating lean turkey, fish, egg whites with toast or rice cakes are all great examples of lean proteins. Caution: Don’t overeat on protein, especially anything with a lot of fat or deep-fried foods. These foods have the opposite result we want! (Stevenson, S. 2014, June 27).
  4.   Healthy Fats- Yeah that’s right, fats! Do you know according to the Cleveland Clinic unsaturated fats boost your heart health and also increase your serotonin levels?  Examples of foods containing these key nutrients include avocados, nuts, and certain kinds of peanut butter. Nuts contain large amounts of magnesium which promotes relaxation by reducing anxiety, particularly almonds. Caution: Avoid the unhealthy saturated fats and Trans fats! These will reduce your serotonin levels and sleep will be lost. (Stevenson, S. 2014, June 27).  
  5. Certain Non-Caffeinated Warm Drinks- Remember mom giving us a warm glass of milk before bed? She was a genius! Milk and other dairy products contain…yep tryptophan, that and the extra calcium will help regulate your melatonin levels. Warm up milk and drop honey and cinnamon into it, yum! Non-caffeinated drinks such as herbal teas can also be very helpful in relaxing us before bed. Look for teas that contain chamomile or peppermint herbs, they promote relaxation. Another key ingredient in teas is valerian root; this herb has been used for centuries as a natural sedative. Caution: Stay from caffeinated drinks like coffee and energy drinks, even several hours before you plan to go to bed to make sure it’s out of your system. (Stevenson, S. 2014, June 27).

 

 

Sources:

 

Stevenson, S. (2014, June 27). 5 Foods That Fight Senior Insomnia. Retrieved from http://www.aplaceformom.com/blog/6-27-14-foods-to-help-seniors-sleep/

 

-Cleveland Clinic

-National Sleep Foundation

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When we travel on our business trade shows, we always come out with a new experience… But this time, we almost didn’t make it.

We arrived in the Atlanta Georgia Airport, looking forward to relaxing in a cool hotel room after a long day of traveling and adjusting to the thick humid air. We flagged down a taxi, and packed the 7 large bodies of our team into the old van, losing an inch of clearance as each person stepped into the van.

Packed shoulder to shoulder, the driver gunned it towards our destination. We thought nothing of it, until we reached the freeway…

The driver swerved through near-impossible gaps, with each grinding turn revealing the crunch of the old worn shocks that haven’t been replaced in years.  It was clear the van was overloaded; and at one point, we questioned if the driver was loaded (on drugs) too.

Clinging to the hope of a safe arrival, we veered of the exit and into the winding maze of Atlanta, Georgia. After a few heart-pounding stops, and almost rear-ending another car, we finally arrived at our hotel with the feeling of relief, and a new appreciation for life.

We do a lot of traveling, and although the experience was unsettling, it’s fun to look back on the crazy adventure and laugh.

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According to the U.S. Bureau of Labor Statistics in 2007 the percentage of men ages 65 and older working in the workforce is at 20.5%. This number has steadily increased since hitting the lowest it has been in recent years at 15.8% in 1985. The percentage of women ages 65 and older in the workforce is at 12.6% this rising from 7.3% in 1985. This brings to mind a question why aren’t people retiring?

There are several factors that affect whether or not someone retires. These range from financial reasons to emotional reasons. In this article we will discuss the various factors that are involved in deciding to retire and what that means for the rest of the workforce.

Recession

The first reason we are to discuss is financial reasons. Whenever a country goes into a recession you can see the effects on the workforce almost immediately. Fewer people are wanting to leave their jobs because they don’t know if the grass is greener on the other side or if there is even grass at all. Fewer people leaving the workforce means fewer jobs for people who are beginning to enter the workforce, this leads to lower wages and an overall bad economy.

Most people in today’s recession have decided to work a few extra years and save some money instead of entering retirement when they planned to. Like we stated above their unwillingness to trust in their financial planning and the fear of the unknown keeps them working. The longer they wait to accept Social Security benefits the more money they will have in retirement.

Remaining Active

Another reason for why there are many that postpone retirement is that they don’t know what else to do with there time and working allows them something to do. By the time that most people reach retiring age they have been working in the workforce for a few decades. They probably are in a job that they enjoy and don’t necessarily want to quit working. Some also fear becoming inactive and don’t know what to do with the extra time that they have been given in retirement.

Don’t Want To

This reason may seem very practical but for some that are at the age of retirement they simply don’t want to retire. They have enough money to retire and have activities that they enjoy and would like to pursue but for some reason they just don’t want to stop working. Many people devote their lives to their work and when it comes time for retirement they don’t want to leave their life’s work and start on a new journey. For people that have this desire keep in mind that their are plenty of options to volunteer your time and skill set to help out the community or companies in your area. Depending on your skill set you can find ample opportunities to continue working in your field of study.

 

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1. Don’t be too bossy

Remember when you were growing up and you hated it when your parent’s bossed you around? Well don’t take this chance to give them the same treatment.  When you begin talking to your parent about their healthcare options bring up your concerns instead of telling them what they are going to do. Not only will this allow you to understand what their concerns are but they will continue to feel like they have control of their situation. Independence is key when caregiving for your family.

2. Don’t be the Doctor

Unless you are a doctor don’t diagnose your parents with anything. They don’t want to hear that they are getting old from real doctors why would they want you to tell them. If you feel like your parent(s) are having declining symptoms then schedule a visit to the doctor so that the professionals can diagnose them.

3. Don’t Sweat the Small Stuff

Sometimes your parent(s) is going to forget that they told you something or they might just want to tell the same stories over and over again. This might be because they are forgetting things or they just really love that story. Don’t get worked up about them telling you the same thing over and over, just listen patiently and attempt to engage in the conversation.

4. Don’t Assume Things

Just because you think that your parents won’t be able to do something doesn’t mean that you should discourage them from trying. New technology seems to be one of these things. Despite what you may think about your parent’s ability to use technology there are several of them that can handle their own when it comes to newer technology. This suggestion also is related to tasks. Much like a younger child who is learning to do things wants to do everything by themselves, so do your parents as they age want to feel like they can take care of themselves. Allow them to do this as much as they can.

5. Don’t Be Discouraging

Negativity in any form can be very disheartening. Think positively and emphasize the things that your parents can do instead of the things that they can’t do. Our minds are more powerful than we think and by thinking ‘my parent can’t do anything’ and focusing more on ‘my parents may be limited but there are many things they can do’ you will see a big change in your attitude and your parent’s attitude.

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1. Bowling

Did you know that three games of bowling is equal to one mile of walking? Or that you burn an average of 240 calories per game? Now you might think, ‘I’ve bowled before. I

Photo by Ginny

didn’t feel like I was exercising’. Isn’t that the best kind of exercise, the type that you don’t realize that you are burning calories. If you’re interested in bowling in a league ask your local bowling alley what league options are available to you or just begin bowling for fun and exercise.

2. Try a Wii or Kinect

With the modern technology that is now available in the world you can get a good workout by playing video games. The Nintendo Wii and the Xbox Kinect use technology that tracks your movement across the room, using a camera they have developed games and workouts using these devices.  These consoles have developed games specifically designed as workouts. If you’d rather have fun and play a game they have developed several games that help with range of motion, balance and flexibility.

3. Window Shop

Walking is walking no matter where you are. You don’t need to go on a nature trail to exercise just walking through the city would do just fine. Remember that if you reach 10,000 steps per day that you can help promote weight loss. The window shopping part of this suggestion is there to distract you so that you don’t realize that you are exercising.

4. Golfing

Golf is a great game for the competitive senior although competitiveness is not a requirement when it comes to golfing. Golfing is a great way to exercise and on average you walk 5.16 miles when playing 18 holes of golf. This is the equivalent of walking about 10,000 steps which is a healthy way to promote weight loss.

Photo by Steve Jurvetson

5. Weight-Train with Groceries

Groceries can be really heavy, so why not lift with them? Weights can be very expensive so a very inexpensive way of weight lifting is to use your groceries. After you finish a gallon of milk, instead of throwing it away fill it up with water or heavier materials and use it to lift. Other groceries can be used as well such as heavy bags of rice or heavy cans.  This will provide you and very cheap and effective way of staying in shape.

 

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