Your Money or Your Life

How old is too old to manage your money? Maybe Brooke Astor’s family could tackle that one.  Or a few of the folks who were living comfortably in posh retirement communities last year and now need charity thanks to investments — that seemed just fine at the time — with Bernie Madoff.

True/Slant contributor Ryan Sager has an interesting new post about “The Age of Financial Reason” that caught my eye thanks to its accompanying geezer-photo. (True disclosure: I am not Ryan’s grandmother — though I certainly could be.) He cites an abstract I find fascinating, although I tend to distrust any proclamation that plays fast and loose with phrases like “suboptimal use of credit card balance transfer offers” or misestimentation of ” home value.  Did these people ever take regular English? Nevertheless, they are seriously into their study, however convoluted their language.  They are concerned about us older adults and our potentially poor financial choices, since it seems “about half the population between ages 80 and 89 either has dementia or a medical diagnosis of ‘cognitive impairment without dementia'”. Good grief.

This is, truth be told, no laughing matter.

You would not want me making your financial choices. Numbers have never been my strong suit. This is despite the fact that I once wrote a pretty good little book titled “Money Management,” part of a 13-volume series designed to reach the functionally illiterate adult population (I was the creative part; co-author LuEllen Ransbottom was the brains.) What I did really smart was to marry Bud Johns; you should be so lucky as to have Bud make your financial choices.

But the point is, few of us can really predict when our sharp brains might slip right into that ‘cognitive impairment without dementia’ gray area. And the further point is, as noted in Ryan’s post, there is a limit to which government should not go in removing one’s control of one’s financial choices — at least, the financial choices we have left over after taxes.

Many of us geezers are less than pleased about the fact that careful choices past — such as optimization of credit cards, i.e. religiously paying balances on time; credit companies hate people like us — carrying only reasonable mortgages or other debt, investing in properly run, socially responsible companies — many who practiced fiscal responsibility (except Bud and I both, separately, did invest in Smith Corona just for old times sake) have found themselves penalized by measures taken to avert disasters brought on by the fiscally irresponsible.

What’s a body to do? I agree that families need to maintain awareness, at whatever age, of the financial choices being made by themselves and their loved ones. If they’ve had long-term investments with good investment companies or advisors, chances are those companies or advisors will not lead them astray. When checking out those links from Ryan’s blog, and a few dozen others on reputable senior and financial sites, I also found a zillion agencies out there eager to help. It is likely that the ones with .org after their names rather than .com might be preferable.

In a recent post I talked about the emergence of brain exercise, and its small promise for postponing ‘cognitive impairment without dementia’ (I’m beginning to detest that phrase.) For example: say six numbers out loud. Now say them backwards. You have exercised your brain. In an effort to forestall poor financial decision making, for the time being I plan to do my brain exercises. And leave the decisions to Bud.

Abortion, health reform and me: who is making our choices?

Am I the only person around who is squirming — make that fuming a little — over the concessions made to the anti-choice guys before the House passed its health reform bill? Does no one else find it offensive to turn from reading on page one of today’s New York Times about this sad state of events to page 14 for a large photo of President Obama shaking hands with Cardinal Sean O’Malley? They were meeting at the funeral for Senator Ted Kennedy in August, where reportedly the good clergyman told the president that the Congress of Catholic Bishops really wanted to support health reform ——– oh, but only if everybody caved to their wishes that abortion remain unavailable.

It is not as if we weren’t forewarned. I posted a brief note in this space a few days ago (see Abortion Foes Winning Health Concessions, 11/4, below) and tried to resume a position of calm.

It is hard to remain calm. Somewhere the lines about separation of church and state have to fuzz themselves back into reality. I believe in the right of the U.S. Congress of Catholic Bishops to tell Catholics how to behave (despite the fact that of my many Catholic friends I know almost none who pay any attention in matters of personal choice.) I even believe in the right of the Pope to tell the Bishops to tell their parishioners how to behave. I even believe in the responsibility of all individuals, including my Presbyterian self, to behave according to their conscience and their faith. I just hate being governed by someone else’s faith.

This is not a small distinction. My own church, admittedly starting with a small group here in woo-woo San Francisco, passed a fairly strong national resolution denouncing our country’s torturing folks and seeking justice. As far as I know, no one threatened the president about withholding support for these occasionally immoral wars we keep fighting unless the instigators of torture-in-our-name were sent to jail. However strongly I would like to see the latter happen, I believe there are limits to what faith communities should do.

I had personal experience with back-alley abortion, in the dark days pre-Roe v Wade. It was not pleasant. Is there any way a celibate Catholic bishop could even remotely understand the horrors to which he is condemning poor, desperate pregnant women with the relentless push to make abortion totally unavailable? No. I wish there were.

We still have got to have health reform. But what prices we are paying.

Moving Mom and Dad

The folks are getting on in years, the old house needs work, the Stuff is piling up everywhere — it’s time to look at moving. But the big question is, where to? Urban condo? Assisted living? Retirement village? LifeCare facility? Co-housing? Maybe even the dreaded Nursing home or dementia facility?

Making the decision to move into what is likely the last residence on this side of the hereafter can be daunting, sometimes devastating. Whether it involves oneself or one’s older family members, the Final Move often exhausts patience, finances and family resources. But good choices are out there, and good help (sometimes free, more often adding to the growing costs of this life event) can be found. In previous posts this space has offered glimpses of these choices and experiences: Helping Mom Die (10/16); Hanging in the ‘Hood (9/29); Justice Souter’s Retirement Housing (8/10.) What follows is a look into the LifeCare option. I should first insert a grateful nod to the source of this headline, a great book by Sarah Morse and Donna Quinn Robbins.

I have just returned from a visit with my sister Helen and her husband, newly installed in a spacious two-bedroom cottage at Kendal at Ithaca (NY), a Continuing Care Retirement Community. To do this necessitated cleaning out and selling (of course, the sale fell through when everything was on the moving vans, but last-minute calamity is to be expected) the far more spacious four-bedroom plus roof deck 1920s condominium in Boston they have called home for nearly 40 years. It was not pretty. Despite my earlier Boston visits to whittle down the Stuff factor and later urgings to connect Helen with the National Study Group on Chronic Disorganization, the job tested the limits of patience and strength of their four extraordinarily loving children.

Nonetheless the deed did get done, and Kendal at Ithaca is perfect for Helen and Clare, thanks to a confluence of happy circumstances: their physician daughter has relocated from Seattle to Ithaca; Manhattan is a comfortable Cornell bus trip away; desired features are in place. KAI includes a community center with a dining room in which their monthly fees entitle them to one meal per day, a fitness center, a large library, a van to take residents to doctors’ appointments etc. Best of all, says Clare, who has Parkinson’s, “they can’t throw me out.” The major appeal of LifeCare, or Continuing Care communities, for many seniors, is the inclusion of facilities for different levels of care which one may require in the future. (Worst of all, Clare adds, is the fact that “we have a lot of Parkinson’s, so I see myself 3 years down the road… 6 years down the road.”)

Continuing Care communities do not come cheap. But for seniors who have a chunk of change from a home sale or other source and a comfortable retirement income, they fortunately exist in growing numbers across the country.

For my own part, and I am certainly very senior, I was suffering anxieties and depression after one day. I need regular infusions of 30-somethings and 40-somethings for basic survival. Again, from what I’ve heard about co-housing — the perfect choice for many others as they age — that arrangement would feel crowded and disorderly. But there is the growing aging-in-place “Village” movement, which many would not choose but seems perfect to me.

Thank heaven for choices. It is seldom too early for Boomers, or Beyonders, to start considering them — and while you’re at it, you may want to clean out the attic.

Cold Weather Won't Make You Sick

If trying to follow the progress of healthcare reform is giving you a migraine, and perhaps results of recent balloting have upset your stomach, here’s a little good news from Lindsey Hollenbaugh, writing in the November/December AARP Magazine. Not all of those sometimes-scary bits of advice you grew up with turn out to be true. New studies, Hollenbaugh reports, are busting a few  of those myths.

Myth
Most of your body heat is lost through your head.

Fact
Untrue. This myth likely originated from a 50-year-old military study; subjects enduring extreme cold lost the most heat from their heads. But the head was the only exposed body part, says Rachel Vreeman, M.D., coauthor of Don’t Swallow Your Gum!: Myths, Half-Truths, and Outright Lies About Your Body and Health. The real deal? “You lose heat from whatever is uncovered,” Vreeman says. “There is nothing special about the head.”


Myth
Taking vitamin C and zinc will help prevent or shorten a cold.

Fact
Taking vitamin C daily won’t prevent illness, and if you consume it after feeling sick, it won’t ease symptoms, studies show. As for zinc, three of four well-designed studies found it ineffective, while a fourth found that zinc nasal gel helped relieve symptoms. But in June the FDA recalled some zinc nasal products, since they’re linked to a loss of sense of smell. Bottom line: There’s no need for extra C, and zinc may actually harm you.


Drug-Free Pain Relief
Here’s one more reason to enjoy your cup of morning joe. In a University of Illinois study, 25 cyclists who consumed the equivalent of about three 8-ounce cups of coffee before working out had significantly less pain while training.

Myth
You should drink at least eight cups of water per day.

Fact
There’s no medical reason to follow this advice. In 1945 the Food and Nutrition Board of the National Research Council recommended that adults take in 2.5 liters of water per day (about 84.5 ounces), noting that most water comes from food. Many adherents, however, ignored the last part of that statement. Drink up if you’d like, but studies suggest that most people already get enough H2O from what they eat and drink: the average person takes in about 75 ounces of water daily, according to Department of Agriculture surveys.


Myth
Illnesses come from cold or wet weather.

Fact
Colds and flus come from viruses, not the climate, explains Aaron Carroll, M.D., Vreeman’s co-author. But because some viruses are more common in winter, more people may get sick then. Plus, chilly or rainy weather often results in more people staying inside—and then sharing their icky infections.

From San Francisco, in the balmy sunshine (November? That’s mid-summer) Boomers & Beyond wishes you well.

Cold Weather Won’t Make You Sick.

Leaving Cancer Alone

We don’t talk a lot about not treating cancer. But as mentioned recently in this space, leaving it the heck alone is an option that merits consideration, particularly in the case of breast and prostate cancers detected very early on.  Now comes further news, reported by New York Times health writer Gina Kolata, of studies showing that some other cancers might also go away by themselves.

Call it the arrow of cancer. Like the arrow of time, it was supposed to point in one direction. Cancers grew and worsened.

But as a paper in The Journal of the American Medical Association noted last week, data from more than two decades of screening for breast and prostate cancer call that view into question. Besides finding tumors that would be lethal if left untreated, screening appears to be finding many small tumors that would not be a problem if they were left alone, undiscovered by screening. They were destined to stop growing on their own or shrink, or even, at least in the case of some breast cancers, disappear.

The Times article cites studies of testicular, cervical, kidney and other cancers that suggest some, left untreated, might simply go away; the trick now is to begin identifying which these would be.

I don’t know anyone who would opt out of treatment when it is likely to offer restored health. But especially for older populations, the choice of not treating a small cancer could be more frequently and seriously discussed.

Cancer cells and precancerous cells are so common that nearly everyone by middle age or old age is riddled with them, said Thea Tlsty, a professor of pathology at the University of California, San Francisco. That was discovered in autopsy studies of people who died of other causes, with no idea that they had cancer cells or precancerous cells. They did not have large tumors or symptoms of cancer. “The really interesting question,” Dr. Tlsty said, “is not so much why do we get cancer as why don’t we get cancer?”The earlier a cell is in its path toward an aggressive cancer, researchers say, the more likely it is to reverse course. So, for example, cells that are early precursors of cervical cancer are likely to revert. One study found that 60 percent of precancerous cervical cells, found with Pap tests, revert to normal within a year; 90 percent revert within three years.

And the dynamic process of cancer development appears to be the reason that screening for breast cancer or prostate cancer finds huge numbers of early cancers without a corresponding decline in late stage cancers.

If every one of those early cancers were destined to turn into an advanced cancer, then the total number of cancers should be the same after screening is introduced, but the increase in early cancers should be balanced by a decrease in advanced cancers.

That has not happened with screening for breast and prostate cancer. So the hypothesis is that many early cancers go nowhere. And, with breast cancer, there is indirect evidence that some actually disappear.

A sister who is six years older than I was diagnosed with breast cancer at 72, had a mastectomy and is cancer free. Six years later I was diagnosed with breast cancer, had a mastectomy and am cancer free. Last week I visited a college classmate who had been diagnosed two weeks ago with breast cancer; she had a mastectomy and is cancer free. Cancer free is good. But what if — just what if — one of those cancers might have disappeared without major surgery?

Disappearing tumors are well known in testicular cancer. Dr. Jonathan Epstein at Johns Hopkins says it does not happen often, but it happens.

It is harder to document disappearing prostate cancers; researchers say they doubt it happens. Instead, they say, it seems as if many cancers start to grow then stop or grow very slowly, as has been shown in studies like one now being done at Johns Hopkins. When men have small tumors with cells that do not look terribly deranged, doctors at Johns Hopkins offer them an option of “active surveillance.” They can forgo having their prostates removed or destroyed and be followed with biopsies. If their cancer progresses, they can then have their prostates removed.

Almost no one agrees to such a plan. “Most men want it out,” Dr. Epstein said. But, still, the researchers have found about 450 men in the past four or five years who chose active surveillance. By contrast, 1,000 a year have their prostates removed at Johns Hopkins. From following those men who chose not to be treated, the investigators discovered that only about 20 percent to 30 percent of those small tumors progressed. And many that did progress still did not look particularly dangerous, although once the cancers started to grow the men had their prostates removed.

In Canada, researchers are doing a similar study with small kidney cancers, among the few cancers that are reported to regress occasionally, even when far advanced.

One of the things we post-mastectomy women were talking about last week was how we might handle a recurrence. The reality is, as we have all already proved: you live long enough, you get stuff. Maybe someone at Johns Hopkins (or elsewhere; Kaiser San Francisco would suit me fine) will undertake a study in which older women with small breast cancers can opt for “active surveillance” rather than major surgery. Should I qualify, I would enroll. To this admittedly untrained and unscientific survivor it seems a study whose time has come.

Cancers Can Vanish Without Treatment, but How? – NYTimes.com.

End-of-life counseling stays in health care bill

Here’s a piece of very good news just in from Associated Press reporter Ricardo Alonzo-Zaldivar:

It’s alive. The Medicare end-of-life planning provision that 2008 Republican vice presidential nominee Sarah Palin said was tantamount to “death panels” for seniors is staying in the latest Democratic health care bill unveiled Thursday. The provision allows Medicare to pay for voluntary counseling to help beneficiaries deal with the complex and painful decisions families face when a loved one is approaching death.

The business of thinking ahead toward end-of-life decisions and making  one’s own wishes known through legal documents such as advance directives has long been encouraged by federal policies. But when coverage for talking things over with one’s doctor was incorporated into health reform it was quickly distorted by Republicans.  Sen.Charles Grassley led the successful campaign to strike it from the Senate bills. But saner heads have prevailed in the House.

“There is nothing more basic than giving someone the option of speaking with their doctor about how they want to be treated in the case of an emergency,” said Rep. Earl Blumenauer, D-OR. “I think the outrageous and vindictive attacks may have backfired to help raise awareness about this problem, which is why it’s been kept in the bill.” The legislation would allow Medicare to pay for a counseling session with a doctor or clinical professional once every five years. The bill calls for such sessions to be “completely” voluntary, and prohibits the encouragement or promotion of suicide or assisted suicide.

The counseling provision is supported by doctors’ groups and AARP, the seniors’ lobby. It was not included in health care bills passed by two Senate committees.

It’s alive! End-of-life counseling in health bill.

How public is your option?

Not very, in all probability.

According to current reports, only those whose coverage exceeds 12.5 percent of their income, only the smallest businesses, or those who aren’t covered by Medicare or VA programs… a very few onlies will have access to the public option. Still, the public option is less important than the reform bill itself. We may have reached the point at which the perfect is indeed the enemy of the good.

Early on in this process my friend Catherine Dodd, whose extensive health policy credentials include stints on Nancy Pelosi’s staff and as a Regional Director for the Department of Health and Human Services, advised an audience inundated with numbers and percentages and data to remember just one figure: “Nineteen point seven,” she said. It has taken an average of 19.7 years after one health reform measure failed to raise the issue again.

Many of us do not have another 19.7 years to wait for the next battle.

Cancer, Viruses & Informed Consent

A commentary about cancer screenings and surrounding questions posted yesterday brought a thoughtful reader response: “Science, including public health,” wrote davidlosangeles, “is an evolving process.”  Unquestionably so.

What we the consuming public need to understand is not the science as much as the personal responsibility. Today’s New York Times features another story on the front page of the Business section (some of us still follow old-fashioned newsprint) by Duff Wilson about “Research Uproar at a Cancer Clinic”, namely the highly regarded Carle Foundation Cancer Center in Urbana, IL. It’s another instance of respected professionals questioning each others’ respectability — or protocols, or carefulness, to use gentler terms than are actually being used. One of the issues raised is that of informed consent, and here is where we the consuming public come in. Whether we are cancer patients, CFIDS sufferers or mostly healthy people susceptible to the usual ails, it is incumbent upon the individual to know what he or she is agreeing to, and to know as much as possible about the projected outcome. We’re all in a giant clinical trial here on the planet. Nobody really knows about the outcome, but participation in mini-trials along the way can be valuable and is certainly laudable. Just know what you’re doing.

I am a continuing participant in the Women’s Health Initiative study now well into its second decade, though the primary issues are over and done with. I didn’t try any new hormone replacement therapies or drastic lifestyle changes, mainly because I’m pretty wimpish, but I read every word of the small print in the reams of documents that came along and tried hard to appreciate what the pitfalls and premises were. It was a valuable study, and hopefully will continue to turn up usable data.

Other studies are underway, and more will undoubtedly begin, regarding the current hoopla over XRMV, and H1N1. And heaven only knows how many other viruses, techonological advances, genetic possibilities and scientific wonders are out there to create great harm or great benefit.

Since the benefits are to the buyers, it’s appropriate that the buyer beware.

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