1. I already have a will, so I’m set, right?
Not necessarily. Unlike antiques and wine, a will doesn’t improve with age. Many things in your life might have changed since you first created your will—a divorce or remarriage, a new child or grandchild, revised tax laws, a move to another state, valuable new assets or the addition of planned giving.
Your Attorney’s Role
An estate planning attorney can help you determine if it’s time to breathe new life into your outdated will and can make recommendations for updating it based on your current circumstances.
2. The internet can help me write my will for free. Why should I pay for the services of an estate planning attorney?
Do-it-yourself will kits may be widely available online, but there are no safeguards to ensure that they’re accurate and that the generated documents are implemented correctly. There’s more to writing a will than just filling in the blanks.
Your Attorney’s Role
A qualified estate planning attorney can help you protect your assets, minimize taxes and find the best ways to provide for your loved ones and the organizations that you support, such as The Peninsula Metropolitan YMCA.
3. I just finished writing and updating my will. Planning done?
Not so fast. Your will doesn’t cover everything in your estate. The beneficiary designation forms for your retirement plan and life insurance policies dictate who will receive these assets. Keep your beneficiaries up to date so that your assets end up with your intended recipients.
Your Attorney’s Role
As part of the will planning process, your attorney will review these accounts to ensure that they coordinate with your overall plans.
4. The Peninsula Metropolitan YMCA planned giving is important to me. How can I continue to support this work after my lifetime?
Including The Peninsula Metropolitan YMCA in your plans is a thoughtful way to invest in the future of our mission. Planned giving is also your opportunity to give voice to the values you live your life by.
Your Attorney’s Role
There are many ways to remember The Peninsula Metropolitan YMCA in your will or other financial plans. Your attorney can help you find the gift that best meets your family’s needs and charitable goals.
We’re Here to Help with Planned Giving
In addition to providing peace of mind, your will and other financial plans provide a flexible way to support a cause that’s close to your heart. To learn how you can give a gift that changes lives at our organization, contact Danny Carroll at 757.223.7925 ext 203 or email@example.com.
The information on this website is not intended as legal or tax advice. For such advice, please consult an attorney or tax advisor. Figures cited in examples are for hypothetical purposes only and are subject to change. References to estate and income taxes include federal taxes only. State income/estate taxes or state law may impact your results.
Kids Home Alone? Follow these Safety Tips for After-School Safety
School bells are ringing in a new school year and across the country kids are returning to the classroom. For many of these kids, a return to school also means being home alone after school until their parents get home from work. Follow these tips for after-school safety.
If you have decided your child is responsible enough to stay home alone after school, we’ve offered some advice and tips below. Of course the Y offers both Before- and After-School child care options. We never want the cost of safety to prevent you making the safe choice for your child. If you can’t afford after school care, please ask us about the Guardian program.
The Y recommends parents and children make after-school hours safer and less stressful by following these steps.
Whether a child is going to stay home alone should depend on the child’s maturity and comfort level. A general rule of thumb is that no child less than eight years of age should be left alone for any extended period of time.
If the child is going to go home after school, it’s a good idea to have them call to check in when they get home. For an older child, set ground rules about whether other kids can come over when the parents are absent, whether cooking is an option, whether they can leave the home. Other steps parents can take include:
- Post an emergency phone list where the children can see it. Include 9-1-1, the parents work and cell numbers, numbers for neighbors, and the numbers for anyone else who is close and trusted.
- Practice an emergency plan with the child so they know what to do in case of fire, injury, or other emergencies. Write the plan down and make sure the child knows where it is.
- Show children where the flashlights are. Make sure that the batteries are fresh, and that the child knows how to use them.
- Remove or safely store in locked areas dangerous items like guns, knives, hand tools, power tools, razor blades, scissors, ammunition and other objects that can cause injury.
- Make sure potential poisons like detergents, polishes, pesticides, care-care fluids, lighter fluid and lamp oils are stored in locked cabinets or out of the reach of children.
- Make sure medicine is kept in a locked storage place or out of the reach of children.
Install safety covers on all unused electrical outlets.
- Limit any cooking a young child can do. Make sure at least one approved smoke alarm is installed and operating on each level of the home.
- Limit the time the child spends in front of the television or computer. Caution them to not talk about being home alone on public web sites. Kids should be cautious about sharing information about their location when using chat rooms or posting on social networks.
- Consider enrolling older children in a babysitting course so they can learn first aid skills and how to care for younger family members. Babysitting Basics is geared towards children aged 11-15 while Advanced Child Care Training is well-suited for those aged 16 and up.
SAFETY STEPS FOR CHILDREN
When talking to kids about being at home alone, parents should stress the following steps and post them somewhere to remind the child about what they should, or shouldn’t, do until mom or dad get home:
- Lock the doors and if the home has an electronic security system, children should learn how to turn it on and have it on when home alone.
- Never open the door to strangers. Always check before opening the door to anyone, looking out through a peephole or window first.
- Never open the door to delivery people or service representatives. Ask delivery people to leave the package at the door or tell them to come back at another time. Service representatives, such as a TV cable installer, should have an appointment when an adult is home.
- Never tell someone on the telephone that the parents are not at home. Say something like “He or she is busy right now. Can I take a message?”
- Do not talk about being home alone on social media web sites. Kids should be cautious about sharing information about their location when using chat rooms or posting on social networks.
- Never leave the house without permission. If it’s okay to go outside, children should tell their parents where they are going, when they are leaving, and when they will return. If mom and dad are still at work, children should call them when they return home.
- Do not go outside to check out an unusual noise. If the noise worries the child, they should call their parents, an adult, or the police.
- Don’t talk to strangers.
- Do not have friends over to visit when your parents aren’t at home unless you have permission to do so. Do not let anyone inside who is using drugs or alcohol, even if you know them.
- If the child smells smoke or hears a fire or smoke alarm, they should get outside and ask a neighbor to call the fire department.
Some content provided in cooperation with the Red Cross.
Poisonous materials come in all shapes and sizes. They may be beautiful, look like candy, or be odorless or tasteless. Children are curious; they like to explore. These ideas will help guide you to keeping children safe against accidental poisoning. Poison prevention begins at home.
Save the toll-free Poison Help number into your phone: 1-800-222-1222. The Poison Help line is not just for emergencies. You can call with questions about how to take or give medicine, concerns about plants, chemicals, carbon monoxide, bites, stings and more.
- Install safety locks or childproof latches on all cabinets to restrict access to children.
- Store potential poisons out of reach and out of sight of children — inside the house as well as in the garage or shed. In addition, lock them up.
- Do not transfer poisons to food containers and store them in different cabinets. Children can mistake the identity.
- Return all products to storage after use.
- Keep the products and children in sight during use.
- Safely discard potential poisons into a sealed, outdoor trash receptacle if not being used anymore.
- Never mix products; dangerous fumes could result.
- Stay away from areas that have been sprayed recently with pesticides or fertilizer.
- Keep indoor plants out of reach; some may be poisonous.
- Make sure medications are in child-resistant containers. Vitamins and supplements also should be out of reach.
- Be especially alert at grandma’s house. Older people with hand arthritis may get medication bottles that are not childproof. They’re also more likely to leave medicine out in the open.
Our friends at Tylenol provided this Medication Safety Checklist. It describes safe practices and when children can begin to be responsible for their own medication.
Some children are friendly with everyone. Others seem to hesitate and shy away from new people. Regardless of your child’s personality, it is important for them to learn about stranger danger. Following are basic guidelines for talking with your child(ren). Think about creating a drill, like you would for fire safety, should your child ever be approached by someone who means them harm.
What the Experts recommend:
- Be extremely careful about who you teach your child is a “safe adult.” If you are unsure, stay with your child.
- Let them know who the trusted adults are in their lives. Remember, however, that many adults in trusted positions hurt children.
- Practice dangerous situations with your child and show them how to say no, run away, and how to make a bunch of noise if they are in an uncomfortable situation. Don’t assume once is enough, review regularly.
- Teach children what kind of touching is appropriate and inappropriate.
- Kids can and should always tell a safe adult if someone does something that hurts them or makes them feel uncomfortable.
- Teach children to always let a trusted adult know where they are going.
- Kids should play and travel in groups. Being alone makes them more susceptible to being hurt.
- Teach your kids that adults should ask for help or directions from adults, not children. Often abductors trick kids into going with them by offering candy, toys or baby animals.
- Teach your child to tell you right away if someone gives them a gift or extra attention.
- If an abductor is actually grabbing a child, they should fall on the ground, kick, scream, bite, and fight as hard as they can and make as much noise as they can.
The type of seat your child needs depends on several things, including your child’s age and size and the type of vehicle you have. See chart below for more information from the American Academy of Pediatrics (AAP) about choosing the most appropriate car safety seat for your child.
Infants & Toddlers
- Rear-facing only seats and Rear-facing convertible seats
- Infants and toddlers should ride in a rear-facing car seat until they are at least 2 years of age or until
they reach the highest weight or height allowed by their car seat’s manufacturer.
Toddlers & Preschoolers
- Convertible seats and forward-facing seats with harnesses
- Children who have outgrown the rear-facing weight or height limit for his convertible car seat should
use a forward-facing car seat with a harness for as long as possible, up to the highest weight or height allowed by the car seat manufacturer.
- Booster Seats
- Children whose weight or height is above the forward-facing limit for their car seat should use a belt-positioning booster seat until the vehicle seat belt fits properly, typically at 4 feet 9 inches in height and between 8 and 12 years old.
- Seat Belts
- When children are old enough and large enough for the vehicle seat belt to fit them correctly, they should always use lap and shoulder seat belts for optimal protection. All children under 13 years
should be restrained in the rear seats of vehicles for optimal protection.
Children often don’t know what is safe and what isn’t so they depend on us to teach them; a great way to teach is by example. They also depend on us to help them know the rules by teaching them what is safe. Here are some ideas for bicycle safety. Remember to be a good example and wear your helmet and follow the rules too.
- Young children should only ride with adult supervision and off the street.
- The decision to allow older children to ride in the street should depend on traffic patterns, individual maturity and adequate knowledge and ability to follow the “rules of the road”
Don’t Ride in the Dark
- Night riding requires special skills and special equipment. Few youngsters are equipped with either.
Keep Bikes in Good Repair
- Teach children to check their tires, brakes, and seat and handlebar height annually.
Follow the Rules
- Ride with traffic
- Stop and look both ways
- Stop at all intersections
- Before turning, use hand signals and look all ways
Wear a Helmet
- Children must be provided with helmets (approved by the Consumer Product Safety Commission) and taught to wear them properly on every ride, starting when they get their first bike or tricycle.
Hold Your Child Accountable
- Bicycle safety is very important. If your child ignores any safety rules or the “rules of the road” their
bike riding privilege should be withheld.
Both my daughter and I admit to being frequent fallers. We’ve missed a step, gotten knocked over, and she even once fell up a hill. I should have paid more attention to the curb. Her heels were too high. We can blame it on various things but the bottom line is that our sense of balance could be better.
Have you checked yours lately?
Stand with your arms at your sides, lift one foot up about 6 inches and count to 30. Did you start to wobble? Balance, the ability of your body to maintain equilibrium when you are carrying out our daily activities, starts to decline with age. By age 65, one in three people will have potentially serious falls.
The key to maintaining balance lies with three major sensory contributors. Vision provides you with a sense of where you are in relation to your environment and gives you clues that keep you from tripping over obstacles. Nerve receptors in the fluid-filled semicircular canals of the inner ear send balance messages to the brain when your head moves side to side or up and down. The third contributors to good balance are proprioceptors, which are nerves embedded in muscles and tendons that tell the brain when a movement occurs so the body can shift to maintain its equilibrium.
When one or more of these systems malfunctions, your balance can be affected.
Here are just a few reasons for balance issues:
- Seasickness or motion sickness. Occurs because your eyes tell you the boat or car is steady but your inner ear senses the rocking or motion.
- Vertigo. A sudden sensation of unsteadiness or spinning, sometimes causes by inner-ear problems.
Postural hypotension. A drop in blood pressure when you’re rising from a bed or chair that can cause lightheadedness.
- Neurological conditions. Parkinson’s, multiple sclerosis, strokes, and other conditions that can contribute to balance problems.
- Nerve damage in your feet. Associated with type 2 diabetes and other causes of neuropathy.
- Medications. Many have dizziness or vertigo as a possible side effect.
- Preventing loved ones from falling is a constant preoccupation for caregivers. Try these exercises to help you and those you care for stay on your feet.
The good news is that balance is a motor skill that can be maintained and even improved with exercises that keep your hips, knees, and ankles strong. When you feel comfortable enough doing these exercises with your eyes open, try them with your eyes closed to stimulate your vestibular system. Always have a sturdy object such as a chair within reach just in case you feel wobbly.
- One-leg stands. Stand straight. Raise one leg, bending your knee to 45 degrees. Hold for 5 to 10 seconds. Repeat 10 times and then switch legs. Try one-leg stands while waiting in lines, washing dishes or watching TV.
- Heel-to-toe walking. Walk with the heel of the front foot touching the toe of the back foot as you take 10 steps forward.
- Side-stepping. Step to the right, then bring your left foot to meet your right foot. Advance to cross-stepping, where you side-step to the right and cross your left leg behind, then side-step to the right again and cross your left leg in front. Continue this pattern as you walk sideways across a room.
- Unassisted standing from a chair. Sit in a firm chair and stand without using your arms for balance.
- Tai chi or Yoga. Try a tai chi or yota program, both are excellent for promoting balance.
- Ankle pumping when you get out of bed. If you are prone to dizziness when rising from your bed, sit on the edge of the bed for a few seconds and pump your ankles before you stand up. Before you move, take a deep breath, get your bearings (as my grandmother would say), and then step forward. Many of us get up too quickly and start to walk too soon.
The Y can help. Classes that strengthen your core (abdominal and back muscles) help promote balance. Use our Class Schedules to find some you are interested in trying or ask wellness staff at your hometown Y.
The Many Negative Effects of Stress on Health
Nobody likes stress. We’d all just as well live without it if given the choice. But it’s not all that easy to avoid. Our modern culture is plagued by stress. Even in retirement, seniors worried about health or financial issues are likely to experience stress. And caregivers of seniors are especially prone to high levels of stress. The bottom line is, stress affects health.
At the risk of giving you one more thing to worry about (sorry!), stress isn’t just unpleasant. It can be extremely harmful to your health.
43% of adults have experienced the negative health effects of stress. And a whopping 75-90% of doctor’s visits are believed to be related to stress.
Ways Stress Is Physically Bad for You
We all know that smoking and junk food are bad for us, but fewer of us think about the toll stress takes on our bodies.
Short-Term Effects of Stress
Small bouts of stress – things like a hard day at work, impatience sitting in traffic, or the stress of running to the hospital with a loved one having a health emergency – cause a whole slew of problems.
Digestive issues – This can take a range of forms. Stress eating – grabbing at junk food when you’re feeling stressed out – can cause health and digestive issues. On the other extreme, stress can cause people to lose their appetites and not eat enough. And stress can also lead to IBS (irritable bowel syndrome), which means you don’t digest what you do eat effectively.
Breakouts and rashes – Stress can cause acne breakouts, hives, and rashes.
Loss of hair – On top of the effects on your skin, stress can make your hair fall out.
Headaches – Lots of people know the experience of a stress headache. At the moment when we feel we need our brain most, it punishes us for working too hard.
High blood pressure – Stress is frequently a contributing factor in high blood pressure, which causes its own share of health problems.
High blood sugar – For anyone with diabetes, the increase in blood sugar that comes with stress is a particular concern.
Trouble sleeping – Many people have had the experience of a sleepless night while awaiting something they’re nervous about the next day. It’s just one more problem stress causes.
Makes asthma worse – For anyone with trouble breathing, it can cause more frequent or severe asthma attacks.
There’s not one thing on that list your life wouldn’t be better off without.
Long-Term Effects of Chronic Stress
The short-term effects of stress are bad enough, but if you experience ongoing stress for a long period of time, your risks become even more serious.
Heart disease – Having high blood pressure over a long period of time vastly increases your risk of serious heart disease. Stress could end up eventually causing a heart attack or stroke.
Cancer – While the research is still inconclusive on stress causing cancer, it can make your body’s reaction to cancer worse, causing cancerous tumors to grow faster and cancerous cells to spread further.
Weak immune system – A weakened immune system increases your risk of just about every disease, virus, or sickness out there. If your body undergoes serious stress for too long, it will have a much harder time fighting off sickness.
7 Realistic Ways to Reduce Your Stress
Now that we’ve given you plenty more to stress out about (again, sorry), you should take a deep breath and know that you have more control over the stress in your life than you may think.
You probably can’t eliminate the factors that cause stress, but you can work on techniques to manage the stress and reduce it when it arises.
- Visit a therapist.
Therapists are specifically trained to help you work through anything in your life causing you stress or other emotional trauma. A good therapist will equip you with techniques to deal with stress more effectively as it arises.
Meditation has been proven to help reduce stress. It’s not too hard, it just requires a small time commitment, even just 10 minutes a day. You can find videos and a number of apps to help you learn the basics.
You’ve heard recommendations to exercise more than a hundred times, for more than a hundred different reasons, but here’s one more. Research has found that physical activity has a noted effect on reducing stress levels.
- Do yoga.
One particular type of exercise has especially earned a reputation for helping to reduce stress. Yoga is both good for helping the body learn to respond to stress more effectively and fighting a lot of those pesky short-term effects of stress we mentioned before. It can bring your blood pressure down, lower your heart rate, and ease breathing issues. And it has a general positive effect on overall mood.
- Schedule you-time into your day.
Caregivers should especially take advantage of this advice. If you’re spending your days constantly devoted to taking care of others, you run the risk of forgetting to take care of yourself. Start scheduling time into your days for something you like to do or find relaxing. Maybe it’s one of the things on this list, like yoga, maybe it’s time in front of the TV or long walks in the morning. It’s up to you, just make sure it happens.
- React to anger by walking away.
Anger’s not the only emotion that fuels stress, but it’s a significant one. Train yourself to respond to anger by taking a minute to cool off. Don’t yell. Don’t let it build. Take some deep breaths and let your heart rate slow before you face whatever it is that’s making you angry.
- Find your support network.
Having people around who support you is crucial for so many things, but it can make it easier to take some of the load off when you’re feeling stress. Whether it’s because you have people around to ask for help, or because you have someone who’s willing to listen to you complain and get it all out when it gets to be too much. Make sure that whatever else you do, you make room in your life for the people you care about and can count on.
The Y can help. We offer many classes specially for older adults and many class instructors show alternate forms of exercise for all levels of ability. Use our Class Schedules to find some you are interested in trying or ask wellness staff at your hometown Y.
Have you given up on exercise? A lot of older people do — just one out of four people between the ages of 65 and 74 exercises regularly. Many people assume that they’re too out-of-shape, or sick, or tired, or just plain old to exercise. They’re wrong. Let’s bust some exercise myths!
Exercise is almost always good for people of any age. Exercise can help make you stronger, prevent bone loss, improve balance and coordination, lift your mood, boost your memory, and ease the symptoms of many chronic conditions.
Here are some common myths that stop older people from exercising — along with some expert advice to get you started working out.
- Exercise Myth: Trying to exercise and get healthy is pointless — decline in old age is inevitable.
There’s a powerful myth that getting older means getting decrepit – It’s not true. Some people in their 70s, 80s, and 90s are out there running marathons and becoming body-builders. A lot of the symptoms that we associate with old age — such as weakness and loss of balance — are actually symptoms of inactivity, not age.
Exercise improves more than your physical health. It can also boost memory and help prevent dementia. And it can help you maintain your independence and your way of life. If you stay strong and agile as you age, you’ll be more able to keep doing the things you enjoy and less likely to need help.
- Exercise Myth: Exercise isn’t safe for someone my age — I don’t want to fall and break a hip.
In fact, studies show that exercise can reduce your chances of a fall, says Dutta. Exercise builds strength, balance, and agility. Exercises like tai chi may be especially helpful in improving balance. Worried about osteoporosis and weak bones? One of the best ways to strengthen them is with regular exercise.
- Exercise Myth: I’m sick, so I shouldn’t exercise.
On the contrary, if you have a chronic health problem — such as arthritis, diabetes, or heart disease — exercise is almost certainly a good idea. Check with a doctor first, but exercise will probably help. Exercise is almost like a silver bullet for lots of health problems, for many people, exercise can do as much if not more good than the 5 to 10 medications they take every day.
- Exercise Myth: I’m afraid I might have a heart attack.
We’ve all heard about people who had heart attacks while exercising. It can happen. However, the many health benefits of exercise far exceed the small risk. Being a couch potato is actually more dangerous than being physically active. That’s true for the risk of heart disease and many other conditions.
- Exercise Myth: I never really exercised before — it’s too late to make a difference in my health.
It may seem too late to atone for a lifetime of not exercising. That’s absolutely not true. Studies have found that even in people in their nineties living in nursing homes, starting an exercise routine can boost muscle strength. Other research shows that starting exercise late in life can still cut the risk of health problems — such as diabetes –and improve symptoms. It really is never too late to start exercising and reaping the benefits.
- Exercise Myth: Exercise will hurt my joints.
If you’re in chronic pain from arthritis, exercising may seem too painful. Here’s a counterintuitive fact: studies show that exercising helps with arthritis pain. One study of people over age 60 with knee arthritis found that those who exercised more had less pain and better joint function.
- Exercise Myth: I don’t have time.
This is a myth that’s common in all age groups. Experts recommend a minimum of 150 minutes of aerobic exercise a week. That might sound like a lot. Actually, it’s only a little over 20 minutes a day. What’s more, you don’t have to do it all in one chunk. You can split it up. For instance, take a 10-minute walk in the morning and pedal on a stationary bike for 15 minutes in the evening — you’re done.
- Exercise Myth: I’m too weak to start exercising.
Maybe you just recovered from an illness or surgery and are feeling too weak even to walk around the block. Maybe you only get out of the chair each day to go to the bathroom. If so, start there. Decide today to get in and out of your chair 10 times. As you do it more, your strength will increase and you can set higher goals.
- Exercise Myth: I’m disabled, so I can’t exercise.
“A disability can make exercise challenging, but there really is no excuse for not doing some sort of exercise,” says Arbaje. If you’re in a wheelchair, you can use your arms to get an aerobic workout and build strength. Even people who are bedridden can find ways to exercise, she says. Talk to a doctor or a physical therapist about ways you can modify exercises to work around your disability.
- Exercise Myth: Exercise is boring.
If exercise is boring, you’re not doing it right. Exercise doesn’t even have to feel like exercise. Remember that any physical activity counts. Whether it’s catching up with a friend while you walk the mall, or taking a dance class, or chasing your grandchildren, or bowling, or raking, or gardening, or volunteering at your local school system or park, it’s physical activity. The key is to figure out something you enjoy doing and do that. When you get tired of it, try something new.
The type of exercise doesn’t matter. The best exercise is the one that you actually do.
The Y can help. We offer many classes specially for older adults and many class instructors show alternate forms of exercise for all levels of ability. Use our Class Schedules to find some you are interested in trying or ask wellness staff at your hometown Y.
We all want to be happy, and often we strive for that new car, bigger house, or promotion at work in order to find the elusive goal of a happy and satisfied life. However, often the car or house or new position come, but doesn’t bring the happiness we expected. The following goals and changes can be relatively easily attained and can bring increased and lasting happiness. Now is the time to start incorporating them into your life!
- Find More Time For Yourself — The feeling of not having enough freedom to pursue quality time with our families, revitalizing solitary activities, or other things that would nurture us can leave us feeling stressed and unhappy. If you would like to increase your level of happiness and life satisfaction this year, one of the best changes you can make is to find more time in your schedule for a life that reflects what you’d really like to be doing.
- Make Smart Money Choices — Many people think they’ll be happier if they can just get their hands on more money. However, once beyond the poverty level, more money doesn’t usually bring more happiness, because with increased means often come increased desires. A more helpful solution is to make the money you already have to feel a greater sense of freedom and satisfaction in life.
- Take Care of Your Body — If your health fails, it can overshadow everything else that’s going on in your life. From major health problems to minor aches and pains, health can really impact happiness and stress levels. Making a commitment to taking on healthier habits this year can have a far-reaching payoff: you’ll feel better in everything you do
- Adopt Stress Relievers That Work For You — There are many things that contribute to a happy and satisfied feeling about life, but excess stress can put a damper on even the best conditions. If you’re in a state of chronic stress, it’s much more difficult to enjoy life. Find some stress relievers you can use and you will feel more at peace when things get hectic
- Get Involved In A Cause That You Believe In — People are generally happier when they’re living a life of meaning. And while you may not be able to cast off all of your worldly possessions in search of the true meaning of life, you can get involved in a cause that’s important to you with minimal time, effort or cost. And even though you can get tax breaks, new friends or a cleaner house out of the deal, what you find in the way of life satisfaction will be the real reward. While you’ll be helping others, you will truly receive more than you give.
The Y can help. We offer many classes specially for older adults and many class instructors show alternate forms of exercise for all levels of ability. Use our Class Schedules to find some you are interested in trying or ask wellness staff at your hometown Y. The Y is a cause, if you are already a member, ask about volunteer opportunities.