Meditate Your Way to Health and Happiness

Meditate Your Way to Health and Happiness

Benefits include stress reduction, slower aging, less loneliness and more happiness.

Benefits include stress reduction, slower aging, less loneliness and more happiness.

In our speedy, modern world, an increasing number of people are turning to a 5,000-year-old method to relieve stress and calm their minds. Everyone from actors to politicians are embracing meditation, and everything from corporations to senior living facilities are offering meditation classes. This mind and body practice has a long history of increasing calmness and physical relaxation, improving psychological balance, coping with illness, and enhancing overall health and well-being.

Modern science is starting to verify some of meditation’s benefits. While some research suggests that practicing meditation may reduce blood pressure; symptoms of irritable bowel syndrome, anxiety and depression; and insomnia, evidence of its effectiveness for other ailments, such as pain, is uncertain. The National Institutes of Health’s National Center for Complementary and Integrative Health (NCCIH) catalogs research done on meditation for various ailments.

Extensive evidence supports meditation’s effectiveness with emotional issues such as stress. According to research, meditation can increase immune function, which is related to having less stress in our lives. Although science doesn’t yet know precisely how the meditating brain affects the immune system, some studies have found that meditation changed brain circuits that regulate emotion and may reduce markers of inflammation and stress hormones like cortisol.

Changes in the Brain

Several studies have shown that meditation can actually alter the brain.

A 2011 Harvard study found that participation in Mindfulness-Based Stress Reduction, a popular meditation program, is “associated with changes in gray matter concentration in brain regions involved in learning and memory processes, emotion regulation, self-referential processing and perspective taking.” Specifically, researchers found an increase in the part of the brain that governs learning and memory and also in the part that regulates emotions, as well as decreases in the amygdala, which is responsible for fear, anxiety and stress.

In a 2012 study from the NCCIH, researchers compared brain images from 50 adults who meditate and 50 adults didn’t. Results ratified previous findings about the increased ability of the brain and suggested that meditation may increase the brain’s ability to process information.

Benefits for Seniors

In 2015, University of California, Los Angeles (UCLA) researchers studied older people who have been meditating an average of 20 years. They found that these older meditators had more gray matter volume in the brain, suggesting that they were aging slower than their non-meditating counterparts.

Previous studies have also shown increases in longevity for those who practice mindfulness meditation, a form of meditation that focuses on awareness rather than breathing. One study concluded that by decreasing negative emotions and stress hormones, meditation protects the chromosomes that mark physical aging while promoting cell longevity.

Meditation may also slow Alzheimer’s. Because anxiety and stress can worsen Alzheimer’s symptoms, meditation may protect the brain. Researchers at Beth Israel Deaconess Medical Center divided a group of adults ages 55-90 into those who regularly meditated and did yoga and those who didn’t. The meditation/yoga group had less atrophy in parts of the brain and better brain connectivity than the control group.

In addition, several studies have shown that meditation can reduce health costs, with one study showing fewer hospitalizations among meditators and another showing reduced healthcare expenses.

Other Benefits

Increased concentration. By sitting still and focusing on our breathing, we are able to calm our active minds. A study at Yale University found that mindfulness meditation decreases activity in part of the brain network that is triggered when our mind wanders from the present moment and our thoughts take over. By stopping our wandering mind, we are able to better focus on the task at hand.

Reduced stress. Because anxiety can result from unregulated and out-of-control emotions and thoughts, mindfulness meditation can help calm those thoughts and decrease stress, according to a 2013 study published by Oxford Academic.

Less depression, more happiness. A University of Wisconsin study of mindfulness meditation found an increase in electrical activity in the left frontal lobe, an area that tends to be more active in optimistic people, after eight weeks of training in meditation. Another study showed that a form of meditation known as loving-kindness, “produced increases over time in daily experiences of positive emotions, which, in turn, produced increases in a wide range of personal resources (e.g., increased mindfulness, purpose in life, social support, decreased illness symptoms). In turn, these increments in personal resources predicted increased life satisfaction and reduced depressive symptoms.”

Less loneliness. Because meditation can bring about more acceptance of ourselves, it follows that we are more tolerant and forgiving of others. A UCLA study compared seniors who meditated with those who didn’t. After two months, the meditators felt less lonely, while the others felt more isolated. Loneliness, especially prevalent in seniors, has been shown to negatively affect our health and has been linked to a weakened immune system, depression and early death. The UCLA researchers theorized that meditation may curtail gene inflammation, which has been linked to feelings of loneliness.

Meditating in a group can also help relieve feelings of isolation and promote a sense of community with others.

How to Meditate

There are many spiritual traditions that promote meditation as well as secular programs that offer classes. Ideally, you will find what works for you (see sidebar), but here are some basics.

Where to Find Support

If you would like to learn the finer points of meditation, many places offer meditation classes. You can check out your community or senior center or local colleges. Health plans may offer meditation or mindfulness courses as a way of keeping their clients healthy. Research different techniques, such as Transcendental Meditation, on the web or YouTube.

While meditation started out as a spiritual practice connected with Buddhism and Hinduism, there are many secular forms. One popular secular regimen is Mindfulness-Based Stress Reduction, which you can study online.

The right place. Start with finding a calm, quiet place in your home that is free from distractions, such as your computer. If you live in an urban area, meditation centers offer daily or weekly meditation.

Sitting. Though the standard photo of someone meditating shows them sitting cross-legged on the floor or on a meditation cushion, that might not work with aging knees, hips or back. Many senior meditators use a chair. Whichever position you choose, sit up straight and do not slump over. An upright posture keeps you alert while holding a dignified position befitting the meditation practice.

Different meditation disciplines recommend keeping your eyes open or closed. Closed eyes reduce visual distractions but can also lull you to sleep. Try different techniques, such as eyes gazing downward, to see what works for you.

For those who have a hard time sitting still, an alternative is walking meditation. This can be done in your home or a nearby park. Instead of just concentrating on the breath, you can focus on your movement, especially your steps. Or you can open your awareness to everything around you: a bird’s cry, the wind on your face, a child yelling. The trick is not to become fixated on any one thing.

Focusing. The traditional way to calm your mind is to pay attention to your normal breath. Notice the soft inhalation and then exhalation. Consider inhaling with your nose and exhaling through your mouth—or vice versa, or count your breaths—forward or backward. When your mind strays, gently bring your awareness back to your breath.

How long? Start slowly, maybe five minutes at a time, and then gradually increase to as much as an hour a day. Ideally, meditate at the same time of the day so this practice becomes a routine. The more you meditate, the better you become at controlling your thoughts.


Sources

Meditation Heals Body and Mind,” WebMD.

7 Ways Meditation Can Actually Change the Brain” Feb 9, 2015, Forbes.

20 Scientific Reasons to Start Meditating Today,” Sept. 11, 2013, Psychology Today.

Meditation Guide For All Ages,” Jan. 13, 2017, Integrity Coaching.

What are the health benefits of meditation?” Nov. 10, 2015, New York Times.

What’s the Bottom Line?” National Institutes of Health National Center for Complementary and Integrative Health.

8 Ways Mindfulness Benefits Seniors,” Feb. 12, 2014, Place for Mom.

Senior Living Communities Practicing Mindfulness,” May 12, 2014, Place for Mom.

How to Meditate for Beginners,” Conscious Life.

5 Meditation Tips for Beginners,” March 18, 2013, Psychology Today.

Blog posting provided by Society of Certified Senior Advisors
www.csa.us

Reverse Mortgages Made Easier for Condo Owners

Reverse Mortgages Made Easier for Condo Owners

New law helps seniors gain HUD approval to convert home equity into cash.

New law helps seniors gain HUD approval to convert home equity into cash.

A reverse mortgage is a special type of loan designed for homeowners age 62 or older that allows a borrower to convert a portion of their home equity into cash. No monthly payments are required, and the loan plus interest isn’t due until the borrower moves out, sells the home or dies. Qualifying property must be a single-to-four-family residence, townhouse or condominium, and must be a borrower’s primary residence. Ninety percent or more of all reverse mortgages are Home Equity Conversion Mortgages (HECMs), insured by the Federal Housing Administration (FHA).

Before 2008, the process of applying for a reverse mortgage on a condo or co-op was relatively easy. If you lived in a condominium, the U.S. Housing and Urban Development (HUD) agency would issue a “spot approval” upon receipt of a 1-page worksheet that provided financials and figures, including the percentage of units in a development that were owner-occupied. Co-ops were only eligible for non-FHA reverse mortgages, which were only offered by a few lenders.

Recent Changes for Condos

For condos, the approval process became more difficult when the Housing and Economic Recovery Act was implemented in 2008. Under a 2009 update to the rules, only condo developments on the HUD-approved list (found on HUD’s website) became eligible for FHA-insured HECM loans, and the entire development must apply for and receive approval.

However, a recent law (the Housing Opportunity through Modernization Act of 2016) made certification somewhat easier by lowering the percentage of owner-occupied units required for HUD approval. For certain eligible condo developments, lowering the owner-occupancy requirements may expand their ability to provide FHA financing to their residents. In October, HUD issued what is known as a “Mortgagee Letter (ML),” providing guidance on condominium approvals.

Find Out If Your Condo Is Eligible

An experienced lender will be able to check in a matter of minutes whether your condo is eligible for a reverse mortgage, but here’s where to start on your own.

To find out if your condo development has been approved by HUD, follow this link, which will bring you to a page with a series of dropdown boxes. Because the official name of a condominium project may be different from the one commonly used, choose the state, county and zip code where your condo is located.

If you search “ALL” under the “Status” option, be sure to slide all the way to the right to see the status, which may be “Expired” or close to expiration. You can choose the “Approved” status option to narrow down your selection. For search type, choose “Project,” then click the send button. An error message means that no approved condominium projects were found in your zip code.

Proposed Changes

HUD has proposed allowing “single-unit approvals” similar to the prior spot approval process. The proposal would require a single unit within a project to meet certain standards, and single-unit approvals would be limited to 0?20 percent of the units within one project. The proposal would also allow some lenders to participate in the approval process of condominium projects.

The public comment period on the latest proposal closed in November 2016. HUD is expected to provide guidance for the approval of condos for the use of HECM reverse mortgages in early 2017.

The Future for Co-Ops

However, the future for co-op owners seeking reverse mortgages is not as rosy. Around 2008, non-FHA reverse mortgages for co-ops disappeared along with the lenders that provided them. Congress made legal provisions for HECM loans in 2000 and updated them in 2008, but since that time, HUD has not issued rules on how they might work. Without the necessary HUD approval, HECM loans cannot be made on co-ops at this time.

Lending on co-ops is complicated because a corporation owns the building, and residents buy shares of stock in the corporation. Each share allows the resident to occupy an apartment in the building, and residents also sign a lease from the corporation. This means that a loan on a co-op apartment would be secured by the stock certificate and assignment of the lease.

The National Association of Housing Cooperatives estimates that roughly half of all co-ops are “limited equity” and are considered personal property, not “real” property; therefore, there is no real estate to serve as collateral for a reverse mortgage. It has been suggested that HUD might model a co-op HECM loan program after the existing Fannie Mae “forward” program for co-op loans.

In New York state, legislation was introduced in 2016 to allow proprietary reverse mortgages for borrowers age 70 or older. The bill passed in the state Senate, but did not make it through the assembly. Because the state legislature operates on a 2-year cycle and a new one begins next year, any bill that did not pass both houses will have to be re-introduced in 2018 before it has a chance to become law.

– By Patricia Whitlock

Patricia Whitlock is a Certified Reverse Mortgage Professional with FirstBank and has been originating reverse mortgages exclusively since 2005. She is licensed in every state except Maryland.

Older Adults Paying the Price For ‘Free Love’

Older Adults Paying the Price For ‘Free Love’

Seniors experiencing increase in health threat usually associated with younger people.

Seniors experiencing increase in health threat usually associated with younger people.

The generation that advocated “free love” is now finding out that having sex as an older adult, has its costs. Among Americans 65 and over, between 2007 and 2011, chlamydia infections increased by 31 percent and syphilis by 52 percent. In 2013, people over 50 accounted for 27 percent of the HIV diagnoses in the United States. It’s an alarming enough statistic that Medicare started providing free tests for sexually transmitted diseases (STDs) in 2011.

Complications from STDs can be worse for seniors than for younger people because our immune systems weaken as we get older, leaving us more vulnerable to infections. Also, we tend to have more health-related issues, such as diabetes, that can complicate and worsen STDs. Because STDs can exist in our bodies for long periods of time before exhibiting symptoms, we can pass HIV or syphilis to our partners without knowing it. And healthcare practitioners might not see the early signs of STDs because symptoms can mimic age-related conditions.

Reasons for STD Increase

There are many reasons for the surge in STDs in the older population:

  • The availability of drugs such as Viagra and testosterone hormone therapy for men and hormonal replacement therapy for women are allowing older adults to enjoy sex at a later age.
  • Past the age of menopause, women are not afraid of getting pregnant and feel freer to enjoy unprotected sex.
  • As a general population, we are getting older and staying healthy and strong longer, and thus have more interest (and ability) in sex. Several nationwide surveys report that more than half those over 65 say they are sexually active.
  • Many seniors were already married or came of age before schools emphasized sex education and safe sex, so they aren’t as aware as younger generations of the risks. Older baby boomers relied on birth control pills rather than condoms for pregnancy prevention, but with pregnancy risk off the table, seniors may not think to use condoms for STD prevention. According to an AARP survey, fewer than 10 percent of men and women 45 and over use any protection from STDs. Sexually active older adults have the lowest rate of condom use compared to all other age groups, according to the 2010 National Survey of Sexual Health and Behavior.
  • Seniors aren’t talking to their doctors about their sex lives, and doctors aren’t broaching the subject with their older patients. It could be embarrassment on the seniors’ part, while the health practitioner doesn’t think to order an STD test as part of the standard physical exam.
  • Senior living communities make it easier to meet and hook up with available older adults. Nationwide, the largest increases in STDs were found in Pima and Maripoca counties in Arizona, which are heavily populated with large retirement communities. Among those 55 and older, cases of reported syphilis and chlamydia rose 87 percent from 2005 to 2009 in those counties. In the same time frame, central Florida, another place popular with retirees, saw a 71 percent rise, and South Florida experienced a 60 percent increase. Because of this, many of the more progressive communities around the country are developing policy/procedures to confront this problem.

Steps You Can Take

Although sex can be an uncomfortable topic, experts say it’s better to become aware of the dangers beforehand.

How to Prevent STDs

Berkeley Wellness advises those who are not in monogamous relationships to take steps to protect themselves.

  • Use latex condoms. When used correctly and consistently, latex condoms provide highly effective (though not infallible) protection against STD infection. Use a new condom for each sex act.
  • Consider a female condom if a male condom can’t be used. It might substantially reduce the risk of some STDs, according to a few clinical studies.
  • Do not rely on other forms of birth control. Nonbarrier methods of birth control, such as birth control pills and intrauterine devices (IUDs), offer no protection against STDs.
  • Be observant. Don’t have sexual contact with anyone who has genital or anal sores, a visible rash, a discharge or any other sign of an STD.
  • Be informed. Recognize the symptoms of STDs and seek medical treatment at once if you notice them in yourself. A lesion, blister, sore, discharge or rash in the genital or anal area are all signs, as are persistent unexplained flu-like symptoms and abdominal pain.
  • Educate yourself on the risks of unprotected sex: What are the warning signs of STDs? What are the safest methods to counteract STDs? What are the short- and long-term effects? If you’re not comfortable talking to your healthcare practitioner, Planned Parenthood offers counseling, even to those beyond the “parenting” age.
  • Don’t be afraid to talk to your partner about STDs. Cover all those uncomfortable topics such as previous partners, when or if your partner has been tested and if they have ever used IV drugs.
  • As a general population, we are getting older and staying healthy and strong longer, and thus have more interest (and ability) in sex. Several nationwide surveys report that more than half those over 65 say they are sexually active.
  • Ensure you’re using a condom correctly to get the best protection. Check the expiration date and use lubricant, which lowers the risk of the condom breaking and spreading infection (see sidebar).

Besides the personal actions you can take, experts say institutions and the government need to be more proactive. Senior living communities should distribute condoms, and Medicare needs to better publicize its free STD screenings. Public health departments should start including older adults in their sex education campaigns. For example, one nationwide study of health agencies’ sexual health pamphlets found only two that focused on aging adults.


Sources

Let’s Talk About Sex … and Senior Citizens,” Oct. 20, 2015, Governing.

Seniors, Sex, and STDs” March 17, 2016, Berkeley Wellness.

The Single Senior STD Epidemic,” April 2015, Disruptive Women.

STD Awareness: Sexually Transmitted Infections and Seniors” Sept. 14, 2015, Planned Parenthood Advocates of Arizona.

Sex and the Single Senior,” Jan. 18, 2014, New York Times.

Blog posting provided by Society of Certified Senior Advisors
www.csa.us

Peter Gallagher to emcee the National Alzheimer’s Dinner

Peter Gallagher to emcee the National Alzheimer’s Dinner

Actor and longtime Alzheimer’s Association Champion Peter Gallagher

REGISTER

Actor and longtime Alzheimer’s Association Champion Peter Gallagher will emcee the National Alzheimer’s Dinner on March 28, part of the 2017 Alzheimer’s Association Advocacy Forum. The National Alzheimer’s Dinner is where the Association honors individuals who work tirelessly to advance Alzheimer’s science, advocacy and leadership, and celebrates advances made in the fight against the disease.
Gallagher, whose mother lived with Alzheimer’s for 20 years, has been an outspoken supporter of the cause since the early 1990s.
Join Peter Gallagher and more than 1,000 dedicated advocates at the 2017 Advocacy Forum — and help play a crucial role in the effort to put an end to Alzheimer’s disease. Learn more and register at alz.org/forum.
Alzheimer’s Association Advocacy Forum
March 27-29, 2017
Washington Marriott Wardman Park
Washington, D.C.

Team Up in the fight to ENDALZ

Team Up in the fight to ENDALZ

Are you a student? Do you want to make a difference in the fight to end Alzheimer’s disease? Then we invite you to Team Up Against Alzheimer’s! This program is designed to promote brain health, spread awareness, and raise funds through student-coordinated events or activities.

Team Up Against Alzheimer’s
Create My Event

The Alzheimer’s Association®, Greater Illinois Chapter invites you to Team Up Against Alzheimer’s. This is a student-focused fundraiser designed to promote brain health, spread awareness and raise funds through student-coordinated events or activities. It is flexible enough to be an on-going effort or a one-time occurrence and aims to motivate young people to get involved in the fight against Alzheimer’s disease.
Who can participate?

Anyone can form a team. Whether it’s a sports team, a club, a class or a group of friends–everyone can help in the fight against Alzheimer’s disease.
When does this event take place?

“Team Up” fundraisers can occur anytime during the school year. Depending on the group hosting, the fundraisers can coincide with athletic events, school functions, holidays, etc.
What is the level of involvement?

The type and number of activities your team hosts, are completely up to you! You can even create your own!
Click here for a list of activities to help you get started.

Why it’s important for younger generations to act now

The earlier we educate people about this disease, the better chance we have at preventing it, fighting it, and even curing it. Teaching students to recognize symptoms helps increase the number of early diagnoses and become better prepared for the emotional and financial burdens as the disease progresses. As this issue becomes more prominent throughout people’s lives, it may encourage them to donate or participate in studies to help advance research. It can inspire young people to take a vested interest in a global issue, partake in community service or pursue careers in science, medicine, healthcare, or public policy to help the cause. The cure for this disease may even lie in one of the minds of today’s youth!
Questions? Please contact Sari Eilon at seilon@alz.org or 847.779.6952.
Whether you’re an athlete or a fan, you are the MVP in the fight against Alzheimer’s!