Senior Living

Available for Smartphones & Tablets Download Our Mobile Banking App With mobile banking services, you can safely and securely access your accounts 24/7 and much more: Check Balances Pay Bills • Make Transfers View Cards • Set Card Limits Shut Off Cards Location & Merchant Limits Fingerprint Login JULY 30, 2019 • COST: $79 TRIP INCLUDES: For reservations or more information, please call Linda Green at 308-389-8783. Grand Island | Omaha | Kearney | Hastings | Lincoln | Sumner 2015 North Broadwell Avenue 3111West Stolley Park Road 2009 North Diers Avenue 518 North Eddy Street 5pointsbank.com MIRIAM DRAKE THEATRE ON THE CAMPUS OF THE UNIVERSITY OF NEBRASKA-KEARNEY • Round trip motor coach from I-80 with pick up in Grand Island • Tour of the Central Nebraska Veterans Home • Tour of the Museum of Nebraska Art — MONA • Dinner at Alley Rose THURSDAY, MAY 16, 2019 The Grand Island Independent www.theindependent.com senior LIVING 5A By James L. Dean For The Independent Prior planning prevents poor performance, a workplace admonishment, seems to apply equally in retirement. Three Grand Island retirees spoke recently of the planning that went into their retirement decisions and post-retirement lifestyles. “It doesn’t start the day you retire or the year before,” said Sandy Arnold, former clinical nurse trainer at the Grand Island Veterans Home. “We’ve planned throughout our whole life. … It starts way back when you start putting money away so when you do retire, you can travel, you can enjoy life, you can do whatever you want to do.” Near-term planning also is key when it comes to Medicare and supplemental insurance options. Jim Brooks, retired Ameri- cold operations manager, found some expenses were moving targets. “Most of us worked for companies, and a big share of insurance was picked up or portions of it,” he said. “And then, to go out on your own, there’s tens … hundreds of insurance companies out there. I think one of the biggest helps was a state office at the Grand Generation Center. That lady’s very knowledgeable about what’s going on. “It was amazing. The information we would be given this week, and then, if you were going to make a decision, say two weeks, three weeks later, it wasn’t the same. Numbers would change. Liabilities would change.” Joyce Beck, a former chief executive officer of a Colorado hospital and longtime hospital administrator, said she wasn’t prepared for the void after leaving an intense working life. “I was so busy, and I was working so many hours. To go from something that had such a purpose to nothing was really difficult for me,” Beck said. “I just didn’t realize how hard it would be. I thought it would be a load lifted off my shoulders. And in a way it was, but, in a way, it was also a huge purpose in my life was missing. “That part was very hard; I just did not see that coming. I really thought that having less responsibility would be a plus for me. And it was, but it was almost too much.” Arnold, on the other hand, was ready for the void and dove headfirst into numerous activities, becoming more active in her church, renewing her interest in bridge and becoming more involved with the Grand Island’s Newcomers and More group. She even planned to stop working in the spring so she could spend more time outside. She and her husband, Harold, who will retire in June from the Law Enforcement Academy, have already taken a “bucket list” trip to the Holy Land, a journey she encourages everyone to take. Being more involved with children and grandchildren also is at the top of the Arnolds’ list. For Brooks and his wife, Terri, family tops the list of retirement activities although Terri remains busy as a frequent public-school substi- tute teacher. Woodworking projects ranging from a home bar and cases for a shot glass collection to a dining table are the sorts of projects that interest Brooks. He also pitches in his electrical expertise for family and friends’ building projects. He enjoys yard work, fishing and camping as well. Brooks also joins a group of longtime friends for morning coffee on occasion. Where does he want to go with their camper? “Well, a couple of places, like the Grand Canyon. We’ve driven by it 40 times over the years and never actually stopped and looked,” he said. “So, if not this summer, maybe sometime next year, we’ll go spend a week down there. Then, we like to camp. Sherman is nice place to go … Harlan County. We can drag the kids out. That’s always a lot of fun.” And like most all grandpar- ents, Brooks will be spending a lot of time enjoying watching grandchildren as they grow and participate in sports and other activities. Beck said one post-retire- ment goal she had was to work out and take better care of her body. Those workouts also helped with her mental transi- tion as the hours on the tread- mill provided think time on vitalizing her retirement years. “Working all that out on the treadmill was wonderful,” Beck said “I felt better, and my body felt better. You know, I had a lot more energy, and all of a sudden … it just kind of works itself out through exercise.” She was still purpose-driven and began teaching a heavier online course load for Bellevue University, allowing her to reinvest her experiences back into the health community. She and her husband Jerry are getting to knowmore people through social activities and are in the process of joining the Evangelical Free Church. They also are frequent hosts to friends traveling cross country and enjoy being involved with family. Assuming adequate financial planning earlier in one’s life, the final step to a successful and fulfilling retirement, based on these recent retirees’ experi- ences, is to remain active and be involved with family and friends. Planning ahead for retirement allows more freedom to enjoy it LEFT: Joyce Beck uses her home office as the base for online teaching through Bellevue University, which, she said, gives her purpose in her retirement years. BELOW: Jim Brooks built the bar and the display cases on the wall. Family, travel, woodwork and friends will be major focuses during his retirement. BOTTOM LEFT: Sandy Arnold (center), her husband, Harold (right), and Father Greg in the Church at Cana where the Bible says Jesus changed water to wine for a wedding crowd. The Arnolds celebrated their 50th wedding anniversary by renewing their vows in the church during a trip to the Holy Land this spring. For the Independent/James L. Dean “It starts way back when you start putting money away so when you do retire, you can travel, you can enjoy life, you can do whatever you want to do.” Sandy Arnold, retiree Traveling? You can still access Social Security online resources By Nicole Tiggemann Tribune News Service Now that the weather is beginningtowarm,youmight beplanningavacationortrip. SocialSecurityishereforyou when you’re traveling, whether it’s just a state away or when you’re overseas. Our online services page directs you to awide variety of usefullinksatwww.socialse- curity.gov/onlineservices/. Through our online ser- vices, you can: ■ Apply for Social Secu- rity benefits ■ Get your Social Secu- rity Statement ■ Request a replacement Social Security card ■ Appeal a decision ■ Find out if you qual- ify for benefits Some of these features require you to have amy So- cial Securityaccount, which is something everyone should have nomatterwhat stage they are at in their working life. And if you receive Social Security benefits or Medi- care, you can create or log in to your personal my Social Security account https:// www.ssa.gov/myaccount/ to: ■ Get your benefit veri- fication letter (includes Medicare and SSI) ■ Check your informa- tion, benefits, and earnings record ■ Change your address and telephone number ■ Start or change your direct deposit ■ Request a replacement Medicare card ■ Report your wages if you work and receive Dis- ability Insurance benefits or Supplemental Security Income (SSI)

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