The Pikes Peak Area Agency on Aging is the producer Ms. Cynthia Margiotta with PEARLS My name is Michaela Nichols and I'm here with Scott Bartlett. 9, George Street, North Strathfield, NSW 95 Scotts Road, Lapoinya, TAS Bartlett, Francine Claire. Mittagong. Early Childhood Supports. in school and applied child psychology, 1 master of social work Fletcher-Watson S, Petrou A, Scott-Barrett J, Dicks P, Graham C. TIMMY COIN CRYPTOCURRENCY

But, it's probably been most difficult on our older population because someone who lives at home, to begin with, and maybe looks forward to that three to five days lunchtime with their friends at the Senior Center, suddenly are being asked to stay at home. That can be extremely challenging to their health and mental well-being.

Cynthia: Yeah, absolutely! We could talk about that for hours, gotta get out gotta be involved as much as a person is able. Jody Barker: Exactly! An interesting comment came to me a few weeks ago from one of our volunteers who said she was talking with some neighbors.

One of her neighbors, who is an older adult, said, "you know, I feel useless because I'm used to volunteering and now, I'm not allowed to. I feel useless. This is to give people a purpose and to give people activities and things to look forward to. I know what will touch on it here in a little bit, but there's so much going on to not just serve the seniors but incorporate the seniors into the process.

We're all working on this together. Cynthia: In a sense, that's serving them. Jody Barker: Absolutely! Cynthia: You know you've known me for a while and I'm a big advocate of volunteerism. I think it's a very important part of being part of the community. I think, you know, if you can when you retire don't go sit on a chair! It drives me crazy! If you can, go out and volunteer. If you can't go anywhere, find a way to volunteer from home.

People can write notes or they can make phone calls. I can talk about it for hours Jody Barker: I think what we have to remember is that there are opportunities for outreach, not just to our older population but for those older adults to participate in that process. Maybe there's an assisted living or retirement community or a skilled nursing facility in your neighborhood. Call those places and say "I'd like to write someone a letter.

Because maybe you live at home but you might have three or four rooms to move about in. But someone right now, during this time, who lives in assisted living or a skilled nursing facility is being asked to stay in their room. Their meals are delivered to them, their activities are brought to them in the hallway, and they are being asked not to leave their room due to social distancing.

So even just taking the time to write a note to an older adult who lives in a community near you could make a world of difference. You don't have to ask permission, you don't have to be part of a larger group, to do that. You can pick up the phone, you can write that letter on your own, and it will be such a positive impact on the staff and on the residents. Cynthia: Just the thought of me being in a room for a month I'm an extrovert and I would have no hair because I pulled it all out.

I absolutely think those are wonderful things we can do. I mean, we can even write a note to our neighbor. It doesn't have to be an official volunteer program. Q: So tell me, what are some of the service delivery changes and supports that have been implemented that you have found interesting or effective or both?

Jody Barker: A: That's a great question! As you might imagine, as we started hearing more about this virus and as it began to grow, even at the end of February, before we closed our physical building, before the Stay-at-Home orders came from the governor, some of our providers were already beginning to make plans and make changes to their service delivery. For example, one service provider who many of you will know is Silver Key Senior Services. They are the primary meal site provider for El Paso County.

Those places receive meals from Silver Key Senior Service's kitchens. They're hot and fresh meals that get delivered to people who come into a congregate site. These people meet up with their friends. They might come early for a class or stay late for a concert. That is their time to get together. As you might imagine, as soon as that Stay-at-Home order came into place in mid-March, that service had to stop.

So, what did Silver Key do? Silver Key immediately implemented appropriate social distancing. They increased their home-delivered meals. They increased their pantry of delivered meals instead of people coming in via transportation on a Silver Key bus, going to the pantry to do their own shopping, and then get back on the bus to go home.

Silver Key tried to reduce that contact in their pantry. The pantry is big until you start putting 15 people with shopping carts in there. You know, it can get very crowded. It is shoulder to shoulder sometimes. To avoid this, what they started doing is packing up those pantry boxes and delivering those to their regular pantry clients.

That was one thing that they did, another thing that they did is they converted those congregate meal sites into what are called grab and go sites. Instead of daily pickup, they prepare multiple meals and flash freeze them. This way, clients have all five meals for the week. Clients also have the opportunity to pick up fresh produce, dairy products, and things like that depending on what silver Key has on hand or what has been donated.

The Senior Center, normally provides classes such as educational classes, moving for better balance, tai chi, and more. Those are the kind of programs that we fund with the Older Americans Act and Older Colorado Act dollars that we administer. For obvious reasons, they had to close as they were not allowed to do congregate-type programs like those physical classes. So what they did was they started making calls of reassurance. So, staff and volunteers began picking up the phone and calling in to check on their constituents.

In addition to this, they created what they call a phone buddy program. Silver Key would invite someone to the program and have that person tell a little bit about themselves. They would then collect a little bit of information from an older adult who is interested. They then paired volunteers with participating older adults. So, think of it almost like a pen pal program, but by phone. The Senior Center has begun to host those pairings of phone buddies. Instead of Senior Center staff making those calls out daily, weekly, twice a week, those phone buddies can now be a lifeline to one another.

All they have to do is pick up the phone to check in with each other, talk about common interests, and that kind of thing. Silver Key is also providing some meals to people who do not have access to the Senior Center to pick up their own meals. They're delivering those meals on a case-by-case basis. The Fountain Valley Senior Center, as you know, is one of those congregate meal sites.

They have now become and one of the Silver Key grab and go sites. Under the front of the building, they have set up a drive-through system. People line up in their cars and they can pick up the meal, they can pick up information, they can check-in and see how they're doing. One of the exciting things that I heard about, as it relates to Fountain Valley Senior Center, was that the city of Fountain did not layoff their staff, but sent a great many of them home to work remotely.

This is because they did not have the same functions during that early stay-at-home process. Someone from the city government contacted the Fountain Valley Senior Center director, Jolene Hausman, and said what can we do? How can we help at this time? And they began with 20 city employees making those calls of reassurance. These employees were making over calls a day. At first, it was only going to be a couple of weeks.

Now, it is becoming an ongoing project because the seniors love it and staff from the city love it. Now, Jolene is talking about when things slow down, she would like to have a barbecue so the city employees can meet their phone buddy. The Senior Center is actually been talking about putting on something when it's safe to do so.

So that those phone buddies can meet one another. It's just been really neat to see those programs, even some of the smaller programs like Teller County Senior Coalition, based out of Woodland Park. This group has provided fresh fruits, vegetables, and even restaurant meals to their clients.

This way clients are getting choices and variety, not just the same box of food every week. There is just a lot of neat things going on. Unfortunately, some of our providers were limited. Providers who were contracted with us to provide certain services like transportation, suddenly found themselves not allowed to provide their service.

So, they reached out in other ways like helping with telehealth or counseling services to make sure that people's needs are being met. The irony in all of this is that it's changing almost daily, and definitely weekly, as our providers determine what needs must be met. Providers are determining what the outreach needs to look like as they plan for the future.

Right now, we don't know what congregate programs are going to look like for the next few months or the long term. However, I would encourage people to take a look at the Colorado Springs Senior Center website at epymcappymca. On the website, they can find the Colorado Springs Senior Center. They have already begun art classes using the online zoom system. So, zoom, if you're not familiar, is really more of a teleconferencing system where you can log in and see each other if you have a smartphone or a computer at home.

Using the camera on your computer or smartphone, you can see one another and you can see your teacher. They began art classes using that online platform last week and they had something like 16 or 20 people from all over join that class. So, they are going to be doing a variety of both free and fee-based classes as they begin to look at what serving the community needs to look like with these new circumstances.

Cynthia: Q: These are some mighty changes, yes? Jody Barker: A: Yes! These changes are distinctly different than what we traditionally thought of about senior services. I'm really excited that so many of our providers are looking at how they can continue to serve the needs of our community in a new way. We have about half a dozen services that we provide directly out of our offices by our staff.

These services include family caregiver support services. We are also going to be doing our own support groups via zoom and by electronic media. The exciting thing about this is that it means we can provide services to those who are caring for older adult family members, spouse, or parent.

Instead of just the caregiver coming to a support group, he or she can invite family members from across the nation to join the caregiver in that support group. We now have the electronic technology in place to be able to do that. Cynthia: Yeah! You know national support groups would be an asset ongoing. Cynthia: Q: I like that idea! Will there be issue-specific support groups, or will they be more generalized? Jody Barker: A: I believe they're going to start somewhat general to begin with, but there is discussion around some more specific topics.

So, if someone has a specific challenge or need in a certain area that person will be able to sign up for that specific support group. To expand on that, you know the Colorado Chapter of the Alzheimer's Association is also doing something very similar. It may be nationwide, but they're beginning to do a lot more online support groups for that very reason.

Again, it's one of those silver linings that has come out of the changes that we are having to make as we do our best to meet the needs of our constituents. Even though we can't be face to face, we're taking advantage of technology to meet those needs. So, even internally, where we would normally have a Medicare class here in the office, right now everything is converted to the webinar.

We were able to have more of those classes and are able to partner with other agencies in town so that we can make sure we get the word out. Because these classes are done by webinars, we don't have to worry about partner space and social distancing.

It gives the people a lot more flexibility in getting the resources that they need, as well. Cynthia: I take the Medicare class almost every year and I'll tell you I don't know how Roma does that! There seems to be a different rule every year with Medicare, so I think those would be great classes!

Jody Barker: Absolutely, absolutely! You know, if our listeners are interested in getting more information about those classes, they can go directly to our website at PPACG. That will take them to a variety of pieces of information where they can sign up for those webinars. If you're not sure about that, you can also call us directly at That phone number is manned during regular office hours and it is very likely that you would need to leave a detailed message with your contact information and name so that someone will get back to you.

Our staff is fully operational. Cynthia: And for those of you who don't have a paper with you, we're going to repeat all of these wonderful sites at the end. Jody is watching me take notes here so that I get them right, which won't happen so you'll have to correct me. Q: Next question, what thoughts and discussions have come up around serving different populations such as rural areas, different ethnicities, lower-income, and, of course, our seniors?

Jody Barker: A: As you might imagine, the Area Agency on Aging primarily focuses on our population who is 60 years and over. That's who the Older Americans Act was written specifically to provide services to. Most of the conversations we have are around that.

However, we do partner with several other agencies like the Independent Center, the Resource Exchange, and others like that which provide services to adults with disabilities. So sometimes there's some crossover in information. So, if someone's not sure who best to call, always feel free to call us at that main number and we will help guide you.

You know, we will ask a few questions and determine if that is a service that would come from us, or if it's a service that might come from one of our providers, or if we should be referring you to a partnering agency. It's always good to have that phone number in mind. That's the primary phone number here at the office and it will also lead you to our senior information assistance network staff. As you may know, we also have a yellow book that we just got printed!

COVID did not stop us, it delayed us a little bit. Those are now being delivered. Even if you're used to coming to the office to pick those up, you can still do that! We were the generous recipients of two newspaper-style boxes that are located at our parking lot. We still have those available, even though we might not be here in the office. I wanted to make sure we talked about that. Conversations around serving other parts of our population can really be a challenge.

You know, zoom and Skype and similar platforms like that, as it relates to technology, not all of our seniors have those capabilities. That can sometimes be a challenge. Despite the state budget shortfalls that we're expecting, there is still discussion about how to bring broadband to our rural areas. That discussion has not stopped.

So, for those of you might who live in a more rural area and don't have access to the Internet, know that you're not forgotten. That still continues to be a high priority for many of our legislators. With that being said, we're just looking at greater opportunities to work with partners. As you may know, even though AAA serves primarily three counties, that's our region region four for the state of Colorado. Our S. P that's our State Health Insurance Program, counselors actually serve more counties than that.

So we typically work with partners in those outer regions anyway. This extends all the way down to the New Mexico border, to make sure that we're reaching those populations. Right now, it's a continued and ongoing conversation. I can't really say that we've figured out how best to do it, but it's certainly important for us to make sure that we're remembering those populations as we're figuring out how best to reach those areas. A couple of opportunities that we're exploring is greater reach into eastern El Paso County, for example.

So some of our providers, including Invida who run a bus service, have reopened their rural area bus services. So if you live in the Calhan area, that bus service has restarted. Or if you live in the southeastern portion, along Hwy 94, Invida has restarted that route as well. There's increased outreach and increased opportunities to get engaged. Now we're just looking at all those opportunities to see what that's going to look like in the future.

Cynthia: Good for you. You got to keep working! Jody Barker: We have not stopped. Like I said, even from the day that we had to physically close our doors, we continue as a staff. Our providers out in the region continue to serve.

As I said, some of that is changed. The service delivery might look a little different but know that we're all still working on this making sure that our seniors and their families have the services that they need or know that they have access to services. Cynthia: I'm sure some of these changes are going to be ongoing.

Jody Barker: That the expectation, yes! Because we don't really expect to have traditional congregate programs for some time yet. Now, even as we're speaking here on June 3rd, this afternoon there's going to be a presentation by the governor's office around what the next phase of opening may look like.

It is intended to be specifically focused around senior services. Right now, a lot of those recommendations are coming to us as things to consider. The requirements are really following the guidelines of the health departments in particular regions around the State. Cynthia: Q: Do you know where people can listen to that? Will it be on TV? Jody Barker: A: This is very last minute, we were just alerted to this about an hour before we began this conversation.

So I don't know where it will be if it will be recorded, if it's going to be a press conference, or if it's going to be just service delivery information. I don't know yet but as we know more we will certainly update our website. You can also go to the El Paso County Health Department website to keep track of things like that, as well. Cynthia: Q: What has the collaborations and leadership looked like across Colorado?

Jody Barker: A: That's really been exciting to be part of in this time. I'm also part of an organization that includes all of the AAA directors around the state. So collaborating between the State Unit on Aging and the Area Agency on Aging has been really exciting to be part of right now. There's a lot of discussions, there's a lot of questions, there's a lot of idea sharing, and that collaboration has been really positive.

We've also included the in those conversations service providers so that they can hear and ask questions directly of our state office as well. It's been very positive right now. There has been a lot of flexibility in how we're able to use not just our regular funding but some of the emergency funding that we're starting to see come into our area. Cynthia: Q: Then what does planning look like going forward?

Where can people get information and resources? Jody Barker: A: As part of the Governor's discussion this afternoon, we expect to hear some recommendations and potential guidance around what reopening phases might look like. It's going to take some time though, so we don't really know.

We would ask people to be patient around that because there are a lot of unknowns that we are all dealing with. Even just two weeks ago our messaging was very different than it is today because things are changing so often. I would encourage people to go to or call, the El Paso County Health Department if they have questions. They can also contact their direct service providers if they are already a client of Silver Key, Invida, or Fountain Valley Senior Center.

Those providers are getting the same information that we are. Of course, they can always contact us here through our main phone number: that we talked about. As I said, that's our senior information and assistance hotline.

Typically, you can leave a message anytime, twenty-four hours a day, seven days a week. Our operating hours are typically from about am to pm. We try to get back to you just as soon as we can or forward your voicemail to the appropriate staff member who will call back. There are two areas right there. We're trying to continue to keep our information as up-to-date as possible. Cynthia: You know family members that are out of the area, I just want to add You can call about services for mom and dad!

Yeah, you are very welcome to do that. Sometimes it's a little challenging to really understand what's real. Yes, that's a good way to put it, what's real? I would encourage people to follow up with the county health department in their area, whether that's here in our area, El Paso County Health Department. Teller County has its health Department. Park County has its own Health Department. I would encourage them to find a way, whether by website, phone calls, or regular media information, to get connected so that they can get that direct source of information about what's most crucial for their area.

As you might imagine, around the State every County typically has a Health Department. Their rules and requirements might be a little bit different and their expectations and recommendations might be a little different from County to County.

I would encourage people to get connected with their specific county. Don't look at information from a neighboring state, don't look at information necessarily even from a neighboring county, it could be very different. Find the one in your area and stay connected. That way, you can get the most accurate information anytime. Cynthia: I think that would be a better place to find things then, I don't want to insult Facebook, but Facebook. Some folks might hear it from the wrong person and they would put that on Facebook and it may or may not be true.

Jody Barker: Correct, the El Paso County Health Department has medical professionals who are specialists in disease control, population information, and what's going to be best for our area. That's really where I would recommend people get directed for that very specific disease information. Cynthia: Every area is a little different. Q: Now, let's talk a little bit about the new programs and the providers that you have started here over at the Area Agency on Aging? Jody Barker: A: Sure!

As I mentioned earlier, we have about a half dozen programs that we provide out of the Area Agency on Aging that include our senior information and assistance program that we've referenced. It also includes our family caregiver support center, that's where we do some of our support groups and caregiver support, just like it sounds.

We also do this senior insurance and assistance program that's our S. We also are the region's ombudsman office and the ombudsman, if you're not familiar with that terminology, is simply an advocate for older adults. In our case, the ombudsman specifically advocates for those who live in long-term care facilities like assisted livings and skilled nursing facilities.

So our ombudsman serves in that area as well. We also, through some of our funding, are able to provide homemaker and personal care services. Those are our primary services internally. Now, our partnering with agencies that we contract with might be some of those like we've mentioned, such as Silver Key Senior Services.

A lot of people think of Silver Key as meals-on-wheels, the congregate meal programs, and transportation, but they do so much more! We're very proud to partner with them. Some of the other services that they do, like case management and so on so. We also have providers who provide additional homemaker services or respite care for those family caregivers. For example, we partner with Colorado Legal Aid, which provides legal services free for folks.

We also provide some services around visually impaired services, dental and dentures, mental health screening and counseling, caregiver counseling, home safety renovations. As you might imagine, more people are staying at home. Actually, we've seen an increase in requests for grab bars, railings, and that kind of thing.

So we're proud to contract with several other providers like that. We are also able to provide nutritional counseling and education. So, if someone wants to receive nutrition education, they can simply pick up the phone and call their primary provider like Silver Key, in our area, or the Teller Senior Coalition.

We will get you routed, but you can call Silver Key directly. We received that education and then those health and exercise classes we talked about that are provided at the senior centers and other congregant programs.

Again, some of those have changed. There's a lot of exciting ways that our providers have reached out to make those changes to continue to reach their constituents and clients in making sure that social isolation is reduced as much as possible. Cynthia: There's a lot more going on in this office than the few employees that are sitting in the building when that was possible. Jody: Exactly and even for us, even though we have our regular programs, because of COVID we also started doing what we call "calls of reassurance".

Some of our providers do that as part of their programs, but we started doing that as well. As you might imagine, someone who may have come in in February to have questions answered around Medicare, suddenly find themselves without transportation and unable to go grocery shopping.

You know, we're asking them to stay at home or be safe at home, and maybe they don't have access to those some of those services. So we took it upon ourselves to begin working backward through our contacts and making sure that clients that we had served, for whatever reason in the past, know that they can call us for questions. They can use us for referral services to get referred to other services throughout the community and ultimately just to be reassured that they know that they can call us at any time.

As you might imagine, our providers have seen an uptick in those who signed up for services because folks are trying to stay safe and healthy. If that means receiving a few meals a week versus going to the grocery store than those people are reaching out for those services. So it's been really exciting not just working with our staff here as we've made those changes, but also working with our providers who are juggling and making those changes and adding to those services. Cynthia: Making those changes!

It's a great idea. I'm just going to repeat some of the different things that were brought up if you have paper and pencil. One is if you're interested in the yellow book, there's a website where you can also look and see the website. So for those of you who are family out of the area, you might look at that website is ppacg.

Or, you can call the phone number to talk to someone and you might need to leave a phone number and message but that phone number is You can get that information along with the Medicaid Veterans Benefits Book. You can stop by here, at our office, and pick up yellow books as well as the Medicaid book. They have a little kiosk outside. The location is not really a difficult location to understand.

We are located about two blocks north of Colorado Ave on Chestnut, and you go through these big gates which are open during the day, I don't know at night. During the day, you can just drive through and you'll find it in there.

That's where the offices are as well. Whenever it opens, you can always come to visit during that time. They're doing online and zoom art classes and other classes as well. Jody Barker: They're going to be doing some exercise classes, art classes, as well as some presentations. Cynthia: That is so great. Q: Then, are there others that you wanted to bring up that I missed? Jody Barker: A: Sure, yeah! As you might imagine, all of our providers are listed on our website.

The easiest way like, like Cynthia mentioned, is just going directly to ppacg. That really gets you into the Area Agency on Aging portion of the website where you could find an electronic copy of the yellow book, an electronic copy of the Medicaid program, and an electronic copy of the VA benefits guidebook. You can also find listings of our service providers. There some that are local that will provide the largest percentage of our programs and organizations like Silver Key.

You can also just go to silverkey. If you're calling locally, the number is They will route you to the appropriate department, depending on the service you need. If you're calling for a family member and you're out of state or out of the area just remember the area code. Again, that phone number is You're always welcome to call us here. As I said, leave a detailed message, your name, and telephone number, and we'll get back to you as soon as possible.

We will ask a few questions and we're happy to get you referred to the right services. You can save yourself a lot of time. Sometimes it can be challenging to go through the amount of information that's available to us so we're going to help you with that. Give us a call directly and we would love to do that on your behalf and get you pointed in the right direction.

Cynthia: Wonderful, thank you so much. I appreciate your time here with me Jody. That's the show and thanks to all for being with us today! Take good care of yourself. Tom Rasmussen, Income Protection Specialist with Clear Solutions, shares his proven insights about how to thrive through life happenings. This two part podcast explores first what makes a good life and second how to financially build resiliency.

Transcript: You're listening to Studio Cynthia Margiotta: This is Aging with Altitude, welcome to all! We strive to provide answers, assistance, and advocacy to our elders. Our topic today is Life Happens. What is your plan?

He is an income protection specialist with Clear Solutions Insurance Services. Tom is an income protection and longevity health planning specialist advising on life, disability, extended care, and health care planning. Tom has helped thousands of people with income protection planning across the country.

He was a national broker to hundreds of agents across the country, and as a received top awards for management and production. He's published articles for industry magazines and local papers as well been interviewed on radio several times now a podcast regarding senior issues and the importance of planning. He's a member of the nonprofit Long Term Care Forum Panel of Colorado, advising state legislators and industry experts on long term care planning issues in the state of Colorado.

He holds the designation of CLTC, which classifies him as a certified long term care specialist. Tom is currently doing educational workshops and seminars on income protection throughout Colorado. He's the co-host of the streaming TV show New Horizons, Living Life to the Fullest, which illustrates how resilient and empowering the second half of life can be. You've done a lot, haven't you? Tom Rasmussen: Well, I like to keep busy.

Cynthia Margiotta: Yes! Tom Rasmussen: Don't we all? Cynthia Margiotta: Don't we all? So let's get started with some of our questions. First off, what is meant by "second halfers"? Tom Rasmussen: Well, that's a great question, and appreciate you allow me to be on the show here.

So, "second halfers" And I've never liked that labeling, because it identifies that certain segment of society as being maybe has no value. I mean, that, you know, we're in a society that let's face it, our particular culture doesn't really cherish seniors. And I decided to coin a new phrase of " second halfers", because it doesn't identify somebody by what you would consider their age.

And so, if I said senior to somebody, what age do you define that by? Sixty-five or older would generally be the response? If I say "second halfer"? You mean 45, 48? Sure, why not? It just it's a way to break down this the perceptions of society that you know, seniors are not ready to put out to pasture.

Cynthia Margiotta: Alright, I like your term, by the way, I think it's a really useful thing. I think we should switch it up a little, huh? You did something like that. So what is resiliency? Tom Rasmussen: Resiliency is an interesting word because when I do workshops, I always ask the audience, are they resilient?

And it's interesting, the puzzled look you get from people. And so I have to go a little bit further and I ask, have you ever made it through a challenge, whatever that challenge may be? Oh, yeah, yeah, for sure I have. Well, the dictionary defines resiliency as recovering strength and I always have to point out that resiliency is achieved by pushing through a challenging situation. So, resiliency is something that we probably have all experienced in our lives.

But I don't know if we have identify it as such, when we actually achieve it. Cynthia Margiotta: Yeah, well, it's hard to be resilient. I think that that's a good term to use. I don't think that's used very often in our society. Tom Rasmussen: Well, for resiliency was easy than everybody be doing it.

Cynthia Margiotta: I mean, it's not used that word, you know, either you did it or you didn't do it. Not that you became more resilient in and learned from it. Tom Rasmussen: Well, it's words are powerful. And I tried to take a very strong look at the words I use to identify either meanings beyond what people perceive certain things to be, or change the perception of what people think, like seniors to "second halfers".

Cynthia Margiotta: So, what is empowerment? Tom Rasmussen: Well, I use those two words together, because sometimes people identify them as being the same thing. And they're really not, you know, where I stated the dictionary basically defines resiliency as recovering strength. Empowerment is defined as to give power to. So even though they're not the same thing, they're very much connected. Because when somebody pushes through a challenging situation, and is resilient, by doing so they empower themselves.

And so that's where the connection comes from. And so that's why I like to use those two words. Because it really came about when I was writing my book, it dawned on me after I was about three quarters away of writing it that after thirty some odd years of doing what I do, nobody actually looked at putting a planning strategy together as empowerment.

And I had to ask myself, and other people as well, why do we not think of that as empowerment? And so we had to define what was empowerment? Well, empowerment is anything that gives you the ability to be resilient. And so empowerment, on one hand, can come from resiliency or you can empower yourself to provide you more resiliency.

Cynthia Margiotta: So they are wrapped up in each other very strongly. And they, like a circle, they come and they go. The circle can go clockwise, as well as counterclockwise. Tom Rasmussen: I mean, from the standpoint of putting together strategies that help what I call "life happens events", what's more empowering, to have a funding plan in place to help you push through those "life happens events", like a disability, an extended care situation, and unexpected death.

You know, that should be a more prideful ability to say, look what I did, then to push it away, don't talk about it, and then not have it at all, and then have those things come into your life. And then is that the thing that could have created the resiliency to get through that? And because of that you didn't you achieve resiliency? Cynthia Margiotta: Hey, smart to be prepared? Tom Rasmussen: Well, we'd like to think so.

Yeah, I wish everybody would take that a little more seriously. Cynthia Margiotta: So they definitely relate to each other. So what does this have to do with the second half of life then? Tom Rasmussen: Well, with having thirty-plus years, working with, you know, the "second halfers" that I have, there's things that we have to understand that as we go through our seasoned years, so to speak. Then, can we better position ourselves back to the preparedness and planning to be able to be more empowered to get every moment to its fullest capacity?

You know, that's that's how it relates. I mean, there's several different things that I always attribute to when I give workshops and seminars and regards to how do you achieve empowerment and resiliency. And there's four things that I always talk about.

So it's decluttering, telling your story, doing the paperwork, and have a funding plan. Cynthia Margiotta: Is that are part two? Is that the question for our part two? I don't want to ask that yet. So don't let don't get there yet. Oh, good. What are some of the things one can do to bring about resiliency, and empowerment to the second half of their lives?

Tom Rasmussen: Well, like I mentioned decluttering, let's talk about that. So decluttering is a very interesting thing because who we as maybe a human nature, we like to keep things, collect things, gather things, for whatever reason. And I don't know about you, but through my life when I've had either four situations or by design, or I decluttered my life, it was very freeing. I use an expression many times that, do we own things or do things own us, you know, the more things we have, it takes a lot more of our time to maintain those things, whether it's time or financially contributed to the maintaining those things.

So decluttering is one of those things that as we go into our second half of life, the more we declutter, it's two things, it's less for us to worry about as we get closer to our end result, which let's face it, we're all gonna pass away someday. And it doesn't leave that burden to our loved ones, to figure out what the heck they do with all your stuff.

And a lot of times, we have this assumption that they want our stuff. And if we don't have that dialogue, we don't know if they want it or not. And so I've always said this, the decluttering can take away from the experience of embracing the whole passing of a loved one, because they can't fully be in that embracing of that passing and that cycle of life because they're stressed out about what to do with the stuff.

Cynthia Margiotta: Stuff is a pain in the back! Tom Rasmussen: And declutter, it's part physical, material. But it's also emotional. Cynthia Margiotta: Okay. Tom Rasmussen: Have we decluttered the emotional regrets that we might have, because of relationships because of things that were said one way or the other? You know, that's part of decluttering, too. Cynthia Margiotta: It's important to do that maybe, for our mental health.

You make me think, Tom, Tom Rasmussen: I've always said that. If we know, the two certainties in life, that we're going to age and we're going to pass away someday. Then, if we can, as mentally as we can think through this, especially as we come being in our second half of life, as opposed to doing how do we define a good life lived? Is that how much stuff we have? Or how many moments and impactful events that we had with other people as well as to ourselves? Cynthia Margiotta: For me, I'd say it'd be the people.

Think of how many people have been positively affected by my life? Tom Rasmussen: Well, if we don't actually ask that question of ourselves, how do we ever know what that means to us personally, before we can go forward, and have that good life left. Good questions. You're throwing questions back at me, Tom. I'm supposed to be interviewing you! Tom Rasmussen: Yeah. Cynthia Margiotta: So how does telling your story bring about empowerment? Tom Rasmussen: Well, I've found that we're not capturing our life stories, as much as we probably should.

And I'll give them my own personal story with that. My mother did a lot of genealogy had many different records, and she had boxes and boxes of photographs when she passed. Well, I inherited those. But what I didn't realize is none of those photographs had any information on them. So I had no idea who these people were. And so it got me to think that if we're able to pass on the wisdom that we have learned in our second half a life, how can we pass that on, if we don't record it in some nature, whether it's written, whether it's video, whether it's just, you know, audio?

If we don't tell our story, it's lost when we're gone. And even to our own children, because our own children only know us from the time that birth was given to them going forward. They've really don't know who we were prior to that unless we had those conversations.

If they don't know it, how can they pass it on to our grandkids and great grandkids? Information is important to share within families. Yeah, my mother had, I ended up with all her photos, and everything had initials, which is better than you got, I will say. But, you know, one of those many pictures was marked CJ. And it was lots of pictures of CJ. Who's CJ? Well, CJ was my mother, Claudia Jones. Tom Rasmussen: Oh! Cynthia Margiotta: When she married my father, she became Claudia Cleaver.

So who was CJ? So those pictures, you know? It took a little, I guess, hard guesswork to figure out that those younger pictures have that to year-old were actually my mom. Tom Rasmussen: You know, it's not only telling our story so we don't lose ourselves once we're gone, and that can be passed on to generations and generations.

But there's a real important thing that has to be, I'd say it has to be earned. I don't know if everybody agrees with that. It's called wisdom. Are we passing wisdom on to our generations that will precede us? Because if we can help them understand, as they get to a point where they can learn, maybe they don't have to go through those failures and mistakes to learn that wisdom. If we can pass it on, prior to them having to learn that on their own.

Cynthia Margiotta: But, the young people don't want to hear mom and dad's wisdoms. Tom Rasmussen: You know, it's funny. Maybe you had the same scenario that I did. But I've heard this from people and I and I have actually experienced this.

It's amazing how smart my parents became the older that I got. Cynthia Margiotta: Right? Yeah, my mom suddenly got a brain. And I was like, wow, who knew? Tom Rasmussen: You know, they couldn't turn on the TV but boy, we can't mistake wisdom for, I guess, intellect. You know, there's a lot of smart people that I've met through my life, but I wouldn't say that we're really wise. So there's a difference between intellect and wisdom, wisdom is learned. And life will continue to give us these lessons to learn the you know, and if we don't, we'll repeat them.

But the only way that we gain wisdom is acknowledging how we get past that lesson, resiliency. Empowerment comes from the knowledge of understanding of I shouldn't do that again. Cynthia Margiotta: Learn from my past mistakes. What is that saying? You know, something about doing it over and over again?

Tom Rasmussen: Einstein said the definition of insanity is doing the same thing over and over again, expecting a different result. Cynthia Margiotta: There you go. That's the exact saying! It was Einstein, huh? Yeah, he should be my hero. So how does doing the paperwork bring about empowerment? Tom Rasmussen: Well, that kind of goes back to the decluttering. If we've decluttered the things in our lives and we've told our story, then we have the documents in place to help our loved ones know what to do with our passing.

Or, if we just become incapacitated or incompetent. You know, they have to step in and take over our lives. How do they know what to do? Do they know who to contact, you know, so advanced directives, a will, or a trust, who is my insurance agent, my banker, my attorney? If we don't put this in some form of writing, whoever is supposed to fill in for us can go to and have those contacts, as well as have the authorization through, you know, the proper forms, to be able to make those decisions like the power of attorneys and, and those kinds of things.

Then again, we're putting that burden and that stress on our loved ones when it wasn't necessary because we didn't want to get around to that. Cynthia Margiotta: I think it's so important to do that. Get those papers in order, have them all, you know, somewhere. Tell the people that are involved in those papers where they are and how to get to them. You want your power of attorney to know what's going on, what your expectations are, what your needs are, what your wishes are.

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5000 php to btc	Captain Jimmy Pierson is another talented player who will contribute to the side as their wicket-keeper batter. Or how many moments and impactful events that we had with other people as well as to ourselves? So we typically work with partners in those outer regions anyway. So decluttering is a very interesting thing because who we as maybe a human nature, we like to keep things, collect things, gather things, for whatever reason. And I feel like a lot of times just coming from a https://casinobestplay.website/jays-vs-rays/1240-speedway-european-championship-betting.php of concern, and not necessarily making any decisions, but just saying that I noticed that, you know, whatever it is. So that's the last thing that I like to emphasize, when we're talking about empowerment. There are some self-assessments of driving that are available online.
Soccerbettingmasters review journal las vegas	So yeah. There are some really good tools online as well for family scott bartlett msw betting of like write down where you go on a weekly basis and then have some input into the best ways to get there. Terri Cassidy: Yeah, yeah. They can also contact their direct service providers if they are already a client of Silver Key, Invida, or Fountain Valley Senior Center. A lot of people think of Silver Key as meals-on-wheels, the congregate meal programs, and transportation, but they do so much more!
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Lbo forexpros	That included telephones and paperwork and our computers and we began to work remotely. If they don't know it, how can they pass it on to our grandkids and great grandkids? Cynthia Margiotta: Yeah. And that can relate back to sensation and that could be something the doctor could help you manage. We continue to answer all phone calls, we're reaching out to our clients, we're reaching out to past clients, we are reaching out to our community to continue to serve them every day. Cynthia: I think that would be a better place to find things then, I don't want to insult Scott bartlett msw betting, but Facebook.

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