Help us make noise at the Advocacy Forum

Help us make noise at the Advocacy Forum

Thunderclap is a website that allows us to all send the same message at exactly the same time through Facebook and Twitter. We’ll be using it to amplify our advocates’ voices on Capitol Hill during the Alzheimer’s Association Advocacy Forum — join us by “donating” a tweet or Facebook post on March 25.

Alzheimer’s is the most expensive disease in the United States. It is the only disease in the top 10 killers that cannot be stopped, slowed or prevented.
On March 25, more than 1,000 Alzheimer’s Association advocates from 50 states will flood Capitol Hill to ask Congress for critical funding to fight Alzheimer’s. Add your voice by joining our Thunderclap.  The louder our voices, the more awareness we raise. Increased awareness = increased funding for research.
The facts are undeniable. Alzheimer’s can’t wait. The time to act is now!

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Table Hosts needed

Table Hosts needed

Reason to Hope is a powerful 60-minute fundraising luncheon/breakfast and program on Alzheimer’s disease. The goal for the event is to share our message to the communities we serve and raise funds for the critical work we do. Please consider becoming a Table Host for this important event. Choose one of our three events.

The Alzheimer’s Association, Reason to Hope is a powerful 60-minute fundraising luncheon/breakfast and program on Alzheimer’s disease. Though there is no cost to attend, all Table Hosts and their guests will be asked at the conclusion to support the Alzheimer’s community by making a One-Time gift or Multi-Year pledge to the Alzheimer’s Association, Greater Illinois Chapter. The goal for the event is to spread our message into the communities we serve and raise funds for the critical work we do nationwide. As a Reason to Hope Table Host this is your opportunity to share your passion for the Alzheimer’s Association with your friends, work colleagues, clients and family.
In 2015, our Chapter will be hosting three Reason to Hope events on the following dates:

4th Annual Oak Brook Reason to Hope Breakfast
Tuesday, April 14, 2015
8:00 – 9:00 a.m.
Hyatt Lodge McDonald’s Campus
Oak Brook, Illinois

6th Annual Chicago Reason to Hope Luncheon
Tuesday, April 21, 2015
Noon – 1:00 p.m.
Mid-America Club
200 East Randolph Drive, 80th Floor, Aon Center, Aon Corporation
Chicago, IL 60601
Inaugural North Shore Reason to Hope Luncheon
Thursday, April 30, 2015
Noon – 1:00 p.m.
Highland Park Country Club
1201 Park Avenue West
Highland Park, Illinois 60035
For more information about Reason to Hope, please contact Sam Provenzano, Sr. Manager, Intermediate and Corporate Giving at 847.324.0382 or via email at sprovenzano@alz.org.

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B. Smith talks about her fight against Alzheimer’s disease

B. Smith talks about her fight against Alzheimer’s disease

Model, restaurateur and TV host B. Smith was diagnosed with Alzheimer’s four years ago. By speaking out publicly, Smith hopes to encourage more people — especially minorities — to volunteer for clinical trials looking for a cure for the disease.

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Your Money Making the Move: Should You Buy or Rent?

Your Money – Making the Move: Should You Buy or Rent?

As older adults decide it’s time to move, one big issue is whether to rent or buy the next place they live. The financial issues are complex, but other questions are important, such as whether you still want to be responsible for home maintenance or rather spend your time traveling. Click here to view article.\

As older adults decide it’s time to move, whether to downsize or to be someplace warmer or nearer their children or grandchildren, one big issue is whether to rent or buy the next place they live. The financial issues are complex, having to do with mortgages, taxes and your financial situation. But there are also practical and emotional issues, such as whether you want the maintenance-free life of renting an apartment. One couple opted for renting, even though owning a home may have made more financial sense (fromSenior Forums):

“My husband and I owned a house when we were raising kids. When the kids started to leave home (although I loved that house), we realized that the house is aging and would soon need major renovations. We also realized that our kids really did leave home with no intentions of moving back in, so it was time to downsize. We now love our small but cozy apartment, and we don’t have to worry about repair work. We are fortunate to have moved into a nice place where if we phoned the office for any repair work, such as even replacing a ceiling light bulb, the next day, the repair work is completed. Could we save by buying a house? — possibly, but the stress of maintaining the yard work and the repair work is just not worth it for us.”

Today’s Market

In today’s market, buying a home generally makes more financial sense than renting. But there’s a big “if” for seniors, who may not plan on living in the home long enough to make up for the initial purchase costs. There are several other “ifs.”

A study by the real estate website Truliaconcluded that buying a home would be cheaper than renting in the top 100 U.S. metropolitan markets if you take out a fixed, 30-year, 3.5 percent mortgage and stay in the home for at least seven years. Its calculations included the initial total monthly costs of owning and renting, including maintenance, insurance and taxes.

One advantage in the homebuyer’s favor is low mortgage rates, while rents are currently high. In many cities young people are opting to rent for a longer time before buying a house, putting upward pressure on rental units. Of course, any calculations about whether it’s less expensive to rent or buy must consider the housing situation where you want to live. While housing prices on average have risen across the country, there’s no guarantee that the trend will continue or that it will be true for your region. On the other hand, getting a fixed-rate mortgage will lock in your payments, while rents will likely continue to rise.

If you stay on your new mortgage for less than the seven years— the basis of the Trulia study’s calculations— you’ll see less of an advantage, due in part to the upfront costs of purchasing a home, like closing and moving costs. One financial planner says retirees generally shouldn’t buy homes unless they intend to live in them for at least five to 10 years. Besides the initial costs, you need enough time to recoup your investment if housing prices stagnate, although it will depend on whether the local market is appreciating.

A Good Investment?

When you’re figuring out whether to buy or rent a place in retirement, much depends on your personal financial situation. Do you need to free up money to invest? Will you make a profit if you sell your house, and how much? How much money do you have in savings?

If you make a good profit on your house and don’t buy another house of equal value, you’ll have money to invest. If your investments turn a profit, you could come out ahead by renting rather than buying. According to Vanguard, a portfolio made up of 50 percent stocks and 50 percent bonds delivered an average annual return of 8.3 percent from 1926 to 2012 (Forbes). Of course, there’s no guarantee that those figures will hold steady in the future.

Another issue that could impact your general financial situation is the down payment required for a mortgage. If you sold your house at profit this is not a serious issue, but can be if you have to take money from your retirement accounts. Withdrawing money from a retirement plan also means you’ll lose the future tax deferral and might owe taxes (maybe even a tax penalty) when you take out the cash.

Costs of Home Ownership

Owning a home has several ongoing costs that can be calculated. They include insurance, property taxes and mortgage interest. Monthly rental costs can include the rent, utilities, parking fees, security deposits and rental insurance. Trulia has a rent vs. buy calculator that will let you plug in your own numbers to see which way the balance would tip in your case. AARP also offers a calculator that helps you weed through the fees, taxes and monthly payments to help you with the decision.

Other costs that are not as easy to budget are maintenance costs, such as replacing refrigerators or dealing with plumbing or electrical issues, which are usually paid for by the landlord when renting. For seniors on a fixed income, major repairs, such as fixing the hot-water heater, can take a big chunk out of a monthly budget.

Even smaller maintenance issues, like cleaning out the gutters or shoveling snow from driveways and walkways, can cost money if you can no longer do it yourself. Before deciding to buy another house, you might list all the small repairs you do around the house and yard and calculate how much you would have to pay a handyman to do those things. One alternative to buying a house is to instead acquire a condo or townhouse with a homeowners association (HOA), whose fees cover such things as trash, water, snow removal and exterior maintenance, although interior repairs are still paid by the homeowner.

Beyond the Financial Issues

Just as important as financial concerns are quality-of-life issues, like wanting to be close to your family or getting rid of the responsibility of yard maintenance. One couple weighed the financial and emotional issues before deciding they wanted to rent (from Senior Forums): “My husband and I (73/67) are . . . looking to relocate closer to our kids in CA. We’ve lived there before so we know it’s not the cheapest place to live . . . especially for seniors, but that’s where our family is. We’ve debated back and forth about buying vs. renting, too. Money-wise, at this stage in our lives, renting would be a better option for us. Our home here in PA has a lot of stairs and it’s not getting any easier to go up and down them every day. My husband had a severe accident a couple years ago when he fell from a 10′ ladder and shattered his left ankle. . . . He enjoyed yard and lawn work and could get up on ladders to paint trim and trim trees, but not now. It’s taken a toll on both of us. We also live in a snow-belt, and this last winter was a clincher for us that we need to be in a warmer, drier climate. His ankle is loaded with arthritis and the dampness here is uncomfortable for him. This is not the quality of life we want for our final years.”

Renting also provides the freedom to take long vacations and not worry that snow is piling up in your driveway or if the pipes have frozen. Older adults who are single, especially women, might feel safer in an apartment complex rather than in detached homes.

On the other hand, renting can bring its own source of insecurity if the landlord fails to renew your lease or the rents go up. Having a fixed mortgage may be preferable to the risk of having to move someplace else if the rental situation is no longer a good one.

For pet owners, having your own home (and yard) means you don’t have to find an apartment complex that allows pets, especially dogs. A house also provides a yard for the pet as well as a place for those who love gardening.

Some older adults might want to keep their bigger homes because they offer a place for children and grandchildren to visit. Staying in a neighborhood where you have friends and memories also can be important. As a homeowner, you have more maintenance and repairs to worry about, but you also have the ability to change your environment through renovation.

Sources

Senior Forums

“Rent vs. Buy? For Seniors, It’s Rent vs. Own,” Nov. 13, 2014, Senior Housing

“Senior Finances: Buy or Rent?“ Jan. 30, 2011, Senior Citizen Journal

“Should You Rent Or Buy A Home In Retirement?” May 31, 2013, Forbes

“Renting Vs. Buying for Senior Citizens,” Ehow

“Should You Rent or Own in Retirement?” Oct. 31, 2012, AARP

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Medical News E-cigarettes: A Safe Alternative to Smoking?

Medical News E-cigarettes: A Safe Alternative to Smoking?
When e-cigarettes first became available in 2006 they were heralded as a smokeless and therefore safer way to inhale nicotine, as well as a method to quit smoking. But, almost a decade later, although they have become more popular, no studies have conclusively proven their safety and their effectiveness for smoking cessation. Click here to view article.

When e-cigarettes first became available in 2006, they were heralded as a smokeless and therefore safer way to inhale nicotine, as well as a means to quit smoking. But, almost a decade later, although they have become more popular, no studies have conclusively proven their safety and their effectiveness for smoking cessation.

In fact, several smaller studies have shown harmful effects, and many jurisdictions are starting to take action to have e-cigarettes—also known as vapor cigarettes—regulated in the same way as traditional cigarettes. Canada prohibits the sale, advertising or import of e-cigarettes containing nicotine. In the United States, Wisconsin and New York are considering treating e-cigarettes the same as traditional cigarettes; and in San Francisco, a bill to regulate them would bar their use at work, schools, on public transportation and in restaurants and bars—just like cigarettes.

Teenagers comprise the bulk of e-cigarette users, although the general population is increasingly “vaping” as well. Nearly 1.8 million children and teens in the United States had tried e-cigarettes by 2012 (from HealthDay News). Last year, the number of American adults using e-cigarettes topped 40 million, an increase of 620 percent from 2010.

While no figures exist for how many older adults use e-cigarettes, anecdotal evidence indicates many seniors have taken up the habit. If so, switching from traditional cigarettes to e-cigarettes makes sense for seniors. Older smokers are at greater risk because they have smoked a longer amount of time (an average of 40 years). They also tend to be heavier smokers and are more likely to suffer from smoking-related illnesses than the general population, according to the American Lung Association (ALA). They are also significantly less likely than younger smokers to believe that smoking harms their health.

After all, the older generation was weaned on the image of smoking as glamorous and cool: Just think of James Dean, Bette Davis, Humphrey Bogart and Lauren Bacall, to name a few movie stars, with cigarettes dangling from their mouths or coolly held between fingers. In fact, the ALA says that today’s seniors had smoking rates among the highest of any U.S. generation. In the mid-1960s, about 54 percent of adult males were current smokers, and another 21 percent were former smokers; in 2008, about 23 percent of adult males were smokers and another 24 percent were former smokers. In 2008, 9 percent of Americans over 65 years of age smoked.

Despite our growing knowledge that smoking is harmful, more than 40 million Americans are cigarette smokers. Smoking cigarettes is known to cause damage to every organ in your body, and smoking-related illnesses are responsible for one out of every five deaths in the United States, according to the Centers for Disease Control. (See sidebar, “Health Risks of Traditional Smoking.”)

Nearly 70 percent of smokers report they want to quit, and a little more than 42 percent say they’ve tried to quit during the past year, which may be one reason that some smokers are using e-cigarettes to ease off their habits. Another possible reason for their use among older adults is that some senior-living facilities permit e-cigarettes but not traditional smoking, although this is an evolving area, and no hard figures exist about how many facilities are making this distinction. While Brookdale Senior Living, the largest senior-living provider in the country, does not allow either type of smoking in common areas, some facilities may allow e-smoking in a resident’s own apartment.

What Are E-cigarettes?

Electronic cigarettes are battery-operated devices that resemble traditional cigarettes. However, instead of burning tobacco, they generally contain cartridges filled with nicotine and other chemicals. An atomizer heats a liquid containing nicotine, turning it into a vapor that can be inhaled, or “vaped,” and creating a vapor cloud that resembles cigarette smoke. They can come in a variety of “flavors,” such as menthol, fruit, coffee and chocolate. Some e-cigarettes have a cigarette-like LED tip that glows red (or another color, depending on the product you’re using).

Unlike traditional cigarettes, the federal government does not regulate e-cigarettes. In April 2014, the Food and Drug Administration (FDA) proposed rules that would regulate them in the same way as it does traditional cigarettes. Once the proposed rule becomes final, FDA will have the authority to ban the sale of e-cigarettes to minors, if it deems them to be unhealthy, and would be able to initiate comprehensive scientific review of them.

Because e-cigarettes have not been fully studied, the FDA states, consumers currently don’t know:

  • the potential risks of e-cigarettes when used as intended;
  • how much nicotine or other potentially harmful chemicals are being inhaled during use; and
  • whether there are any benefits associated with using these products.

When the FDA conducted limited laboratory studies of certain samples, it found that quality-control processes used to manufacture these products are substandard or nonexistent. For example, cartridges labeled as containing no nicotine in fact contained nicotine, and three different electronic cigarette cartridges with the same label emitted a markedly different amount of nicotine with each puff. The e-cigarette industry has criticized these studies as limited to only two makers of e-cigarettes.

Dangers of E-cigarettes

Although the FDA does not have the authority to monitor e-cigarette use, it receives voluntary reports of adverse events from consumers and health professionals, which have included hospitalization for illnesses such as pneumonia, congestive heart failure, disorientation, seizure, hypotension and other health problems.

In the absence of large-scale studies about the consequences of smoking e-cigarettes, several smaller ones have found harmful effects. One recent study found that vapor from electronic cigarettes may increase young people’s risk of respiratory infections, whether or not the cigarettes contain nicotine (reported inHealthDay News). The vapor triggered a strong immune response in the cells that line the inside of the lung and protect the organ from harm, said lead author Dr. Qun Wu, a lung-disease researcher at National Jewish Health in Denver. Once exposed to e-cigarette vapor, these cells also became more susceptible to infection by rhinovirus, the virus responsible for the common cold, researchers found.

Another study (reported in HealthDay News) said that e-cigarettes operated at high voltages produce vapor with large amounts of formaldehyde-containing chemical compounds, according to research co-author James Pankow, a professor of chemistry and civil and environmental engineering at Portland State University in Oregon. Although the cancer-causing chemical was not found at lower voltages, newer versions of e-cigarettes can operate at very high temperatures, and that heat dramatically increases formaldehyde-containing compounds, the study found.

Other studies, including those trying to determine if e-cigarettes help smokers to quit, show positive results for e-cigarettes. A Cochrane Review showed that e-cigarettes double the likelihood of quitting smoking compared with a placebo, and that they increase the likelihood of reducing smoking levels by more than 30 percent (as reported in Medscape ). However, the investigators caution that few studies exist on the effectiveness of e-cigarettes, and that the quality of the available evidence is low.

The issue, health experts agree, is that e-cigarettes need to be studied further. Because the potential health hazards of e-cigarettes remain unclear, both the American Association for Cancer Research and the American Society of Clinical Oncology have called for regulating e-cigarettes like traditional cigarettes.

Sources

“The Research Behind Electronic Cigarettes,” Ecig Advanced

“E-Cigarettes: Questions and Answers,” FDA

“Smoking and Older Adults,” American Lung Association

“Health Risks of E-cigarettes, Smokeless Tobacco, and Waterpipes,” Cancer.net

“Quit smoking,” Mayo Clinic

“E-Cigarettes Under Fire,” WebMd

“10 Little-known Facts About E-cigarettes,” How Stuff Works

“E-cigarettes: Slippery slope to tobacco addiction?” Editorial, CMAJ Medical Journal

“E-Cigarette Use May Be Rising Among Teens,” Dec. 15, 2014, HealthDay News

“High Levels of Cancer-Linked Chemical in E-Cigarette Vapor, Study Finds,” Jan. 21, 2015, HealthDay News

“E-Cigarettes for Smoking Cessation: Jury Still Out,” Dec. 17, 2014, Medscape

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