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Carmel, CA Retirement Planning Can Be Tricky

by Richard Kuehn on 08/21/16

Retirment planning can be extremely difficult and so can deciding how much you can safely withdraw from your nest egg without running out of money.  As people live into their 90’s and 100’s, the potential of running out of money when you need it the most is real.  Robert Powell, editor of Retirement Weekly and a regular contributor to USA Today recently wrote a column stating that the 4% rule (that you can withdraw 4% per year from your retirement and it would last for 30 years) has been thrown out the window now that interest rates are close to zero.  One analyst, Evan Inglis who is a SVP at Nuveen Asset Management and a fellow of the Society of Actuaries, recommends dividing your age by 20 (for couples use the younger spouse’s age).  For instance, if you are 70 the calculation would be 70 divided by 20 which means you can withdraw 3.5% per year.  Someone who is 80 could withdraw 4% (80 divided by 20 = 4).  Others recommend changing the 4% rule to a 3% rule which is more conservative.  Other factors to consider are whether you have long-term care insurance (LTC).  If you don’t, you will need to save more for when you need in-home care or you have to enter a facility.  Income taxes should be considered as well, in addition to factoring in whether or not you want to leave a significant amount of money for your heirs.

Monterey, CA Alzheimer’s Disease May Start In Early Childhood For Some : Researchers Working On A Way To Get New Drugs To The Brain

by Richard Kuehn on 08/19/16

A remarkable finding was made in a recent Alzheimer's study; changes in the brain associated with Alzheimer’s disease can be seen as early as childhood in some people who have a heightened generic risk.  Published in the journal Neurology, this new theory is groundbreaking—there may actually be different types of the disease, and one may be a developmental disorder that begins much earlier in life than was thought up until now.  The study looked at the APOE gene, which each person has two copies of, one inherited from each parent.  Children were studied at those which had the so-called e4 variant of the gene (the version most associated with heightened Alzheimer’s risk) and they had a significantly smaller hippocampus than those without it.  This is the part of the brain which is involved in memory formation and having a smaller one signaled the possible onset of Alzheimer’s disease.  It is great to see how fast research is developing in this area.  Regular readers of my blog know that both my grandmother and my father had this terrible disease when they passed away, and I have been working diligently with the Monterey Chapter of the Alzheimer's Association to raise money to find a cure.  In addition to being the largest private funder of Alzheimer's research in the United States, they have support groups and a 24-hour hotline (800-272-3900) where a dedicated staff member can help you if you are struggling with caring for a loved one with the disease. To make a donation, click here.

Soledad, CA Caregiver Private Duty Home Care Aides (HCAs) : Senior Companions (Also Aromas, Big Sur, Carmel, Monterey, Pacific Grove, Pebble Beach & Salinas)

by Richard Kuehn on 08/17/16

Soledad, CA Caregiver Private Duty Home Care Aides (HCAs) : Senior Companions (Also Aromas,  Big Sur, Carmel, Carmel-by-the-sea, Carmel Valley, Castroville, Corral de Tierra, Del Rey Oaks,  Gilroy, Gonzales, Greenfield, Hollister, King City, Marina, Monterey, Moss Landing, Morgan Hill, Paicines, Pacific Grove, Pebble Beach, Prunedale, Salinas, Seaside, San Juan Bautista, Sand City and Tres Pinos) 

I am happy to say that business is booming at Family inHome Caregiving!  We have had a greater than anticipated influx of new Clients over the past two weeks, many of which have been referrals from past and current Clients.  Our reputation for having the best caregivers (Home Care Aides or Senior Companions) in Monterey County is growing.   We are currently looking for a handyman as well as qualified caregivers. 

Family inHome Caregiving of Monterey is seeking compassionate, mature and dependable caregivers  who want to improve the lives of our elderly Clients by providing in-home, non-medical care.  Our services include:

        Caring companionship

        Meal preparation

        Incidental transportation

        Running errands

        Light housekeeping

        Medication reminders

        Monitoring of safety while bathing

        Information and referral services

        Other services that improve the safety, security and quality of life of seniors. 

If you believe you would make an exceptional Home Care Aide, we would love to hear from you!  We prefer those with experience helping the elderly, disabled and others with mobility problems.  Having cared for those with dementia and/or Alzheimer's is a plus.  To work for us, you must have excellent references, a clear criminal record, a good driving record, and an insured reliable vehicle.  To apply, please visit our web site, click on careers where you can fill out an application online.  We have immediate openings all over Monterey County.  Service areas include:Aromas, Big Sur, Carmel, Carmel-by-the-sea, Carmel Highlands, Carmel Valley, Castroville, Corral de Tierra, Del Rey Oaks, Gilroy, Gonzales, Greenfield, Hollister, King City, Marina, Monterey,  Morgan Hill, Moss Landing, Paicines, Pacific Grove, Pebble Beach, Prunedale, Salinas,  San Juan Bautista, Sand City, Seaside, Soledad And Tres Pinos

Certified Nursing Assistant (CNA) Students Left In The Lurch By MPC

by Richard Kuehn on 08/13/16

Sadly, Monterey Peninsula College has canceled its certified nursing assistant (CNA) program which began on June 24 and was expected to finish in October.  However, there were compliance concerns with The Learning Oasis, the contractor that was providing the classes.  After the state completes a compliance review, the college will announce how it will try and provide courses in the future.

Marina, CA Community Hospital Of The Monterey Peninsula, CHOMP, To Hold A Supermarket Tour With A Nutritionist August 25 At Lucky

by Richard Kuehn on 08/12/16

Community Hospital of the Monterey Peninsula, CHOMP, is having a number of great classes this summer including a supermarket tour with a registered dietician as your guide.  Learn to use nutrition labels to make smart decisions about the food that you buy.  For more information or to register, call 625-4646 or go to  There is a fee of $20 per person or $25 per couple and the tour will run from 7:00 p.m. to 8:15 p.m. at the Lucky Market in Marina.  

Salinas, CA Community Hospital Of The Monterey Peninsula, CHOMP, To Hold Class On Avoiding Too Much Sugar On August 31

by Richard Kuehn on 08/12/16

Community Hospital of the Monterey Peninsula, CHOMP, is having a number of great classes this summer including one on the hidden facts about sugar on August 31 from 10:00 to 11:00 a.m. at the Montage Wellness Center in Salinas (in the conference room).  Learn how to spot the various kinds of sugar in our foods and how to avoid excessive sugar.  For more information or to register, call 625-4646 or go to  

Monterey, CA Immunotherapy Gaining Favor Over Chemotherapy By Many Cancer Oncologists

by Richard Kuehn on 08/10/16

Many cancer patients are shunning traditional chemotherapy in favor of immunotherapy, which uses your own body’s immune system to fight off the cancer.  It works by helping the immune system recognize cancer as a threat, and then attack it.  Chemotherapy, on the other hand, can actually break down your immune system, making it weak.  There have been remarkable stories of tumors melting away and terminal illnesses going into remissions that have lasted for years.  Although it’s true that the cancer may come back at some point, adding several years to someone’s life is a precious gift, particularly if their quality of life can be improved by not having to take draining chemotherapy drugs.  “This is a fundamental change in the way that we think about cancer therapy,” Dr. Jedd Wolchok from Memorial Sloan Kettering, told The New York Times.  Researchers are working on two different types of promising immunotherapy.  One creates a new, individualized treatment for each patient (personalized medicine) by removing some of your own immune cells, altering them genetically to kill cancer and then infusing them back into the bloodstream.  Another treatment involves mass-produced drugs that don’t have to be tailored to each patient.  The drugs use immune cells by blocking a mechanism called a checkpoint which cancer can use to shut down your immune system.  What a great period in time this is for cancer treatment. 

Monterey, CA Community Hospital Of The Monterey Peninsula, CHOMP, To Hold Living Well Workshops At The Oldemeyer Center

by Richard Kuehn on 08/10/16

Community Hospital of the Monterey Peninsula, CHOMP, is having a number of great classes this summer including one on Living Well.  There is a free introduction on Saturday August 27 from 11:00 a.m. to noon at the Oldemeyer Center at 986 Hilby Avenue in Seaside.  This will be followed by six sessions on Saturdays from September 10 through October 15 from 11:00 a.m. to 1:30 p.m.  There is a $15 fee, although it is refunded if all six classes are completed.  This program was developed at Stanford University to help people that have ongoing health conditions and chronic diseases.  For more information or to register, call 625-4646 or go to  

Monterey, CA Biodegradable Heart Stent Hits The Market

by Richard Kuehn on 08/10/16

A huge technological advance in heart advances has been made in the first time in more than 10 years.  Cardiologists now have a new option for treating blockages in the coronary arteries following the approval by the U.S. Food & Drug Administration of a new biodegradable stent manufactured by Abbot Laboratories called “Absorb.”  Unlike the permanent metal devises that have been used for more than 20 years, the Absorb fully dissolves within two to three years of being implanted.  The downside of the metal stents is that new disease can form in and around the stents which results in 2-3% of the patients which have these devices having a heart attack or other serious problems related to the heart obstruction.  What a great advance in heart disease treatment.  

Monterey, CA How Do We Resolve Our National Addiction To Pain Killers?

by Richard Kuehn on 08/07/16

There has been a frightening number of stories about how our nation is addicted to pain killers and a story in the New York Times pointed out that, ironically, new initiatives by our government to pay doctors based on the quality of service could backfire.  The theory is, if your doctor doesn’t prescribe pain killers you may give him or her a bad rating on the customer service form.  Therefore, we may actually be offering a financial incentive to doctors to prescribe more pain killers so that we don’t give them a bad review.  Talk about a financial pain killer.  

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