TOM: HI IM TOM COLE FOR FOUR CORNERS ON WGTE PUBLIC MEDIA TODAY ON 4 CORNERS WE HAVE A GREAT SHOW FOR YOU BECAUSE WE HAVE MORE SENIORS NOW THAN IN ANY TIME IN THE HISTORY OF OUR COUNTRY.

WE ARE DEDICATING OUR SHOW TO BOOMERS.

THEY ARE SUCH AN IMPORTANT AND VITAL PARYT OF OUR POPULATION.

WE HAVE 4 REMARKABLE GUESTS TODAY.

BILLY JOHNSON FROM OUR AREA OFFICE ON AGING DR. MOHAMED ALO, CARDIOLOGIST, HEIDI JOY HARNEGIE, VP AT BUCKEYE CABLE SYSTEM AND MR. JOHN ROSS FROM INTEGRATED FINANCIAL SERVICES.

ITS ALL BOOMERS TODAY ON 4 CORNERS.

THANKS SO VERY MUCH FOR JOINING US.

(MUSIC) (MUSIC) (MUSIC) (MUSIC) (MUSIC) (MUSIC) ANNOUNCER; THIS PRESENTION WAS MADE POSSIBLE IN PART BY THE MANGO TREE RESTAURANT AND BY VIEWERS LIKE YOU.

THANK YOU.

TOM: IT IS CERTAINLY A TREMENDOUS HONOR FOR ME TO WELCOME INTO 4 CORNEWRS RIGHT NOW BILLY JOHNSON.

EVEYONE KNOWS HER IN THE COMMUNITY.

SUCH A POSSITIVE FASHION.

SHE IS THE PRESIDENT AND CEO OF OUR AREA OFFICE ON AGING.

BILLY WELCOME AND THANKS FOR BEING ON 4 CORNERS.

BILLY: THANK YOU TOM!

TOM: BILLY GIVE ME 2 CONCERNS.

YOU KNOW I AM TELLING YOU SOMETHING YOU DON'T KNOW.

YOU KNOW ALL THESE THINGS.

THATS WHY WE'VE GOT YOU HERE.

MORE BOOMERS NOW IN LUCAS COUNTY AND OUR AREA THAN ANY TIME IN THE HISTORY OF OUR COUNTRY.

GIVE ME 2 CONCERNS YOU HAVE WITH SENIORS THAT ARE AGING IN OUR COUNTY TODAY THAT WE NEED TO EMILIERATE.

BILLIE: STAYING ENGAGED CIICALLY.

STAYING ENGAGED WITH THEIR FAMILIES, FRIENDS AND NOT HAVING THE SOCIAL ISOLATION WE HEAR ABOUT SO MUCH AND WE READ ABOUT.

SO MY OFFICE HAS BEEN TRYING TO MAKE SURE THAT THAT CONNECTIVITY, THAT CONNECTIVENESS IS OCCURING WITH OLDER ADULTS AND RETIREES IN THIS COMMUNITY.

TOM: BILLIE DO YOU SEE A CONSISTENT MISTAKE THAT SOME SENIORS MAKE WHEN THEY MOVE INTO THAT RETIREMENT.

BILLOIE: I AM VERY CONCERNED ABOUT OLDER ADULTS ENTERING INTO THEIR RETIRMENT YEARS AND FEELING LIKE THEY ARE NOT CONNECTED ANYMORE SO WE WANT TO DO SOMETHING ABOUT THAT.

WE WANT TO MAKE SURE THAT OLDER ADULTS FIND A NEW PURPOSE FOR BEING.

MOST RETIREES WHO RETIRE AT AGE 60 65 AND A LITTLE OLDER HAVE IT LEAST 25-30 MORE YEARS OF LIVING TO DO.

SO IT IS VITAL THAT THEY FIND NEW OPPORTUNITIES NEW CAREER PATHS AND THEY HAVE SO MUCH TALENT.

RETIREES ARE SO GIVING OF THEIR TIME AND RESOURCES AND ENERGY WE WANT TO MAKE SURE THEY GIVE IT TO THE COMMUNITY BECAUSE WE NEED THEIR TALENT.

WE NEED THEIR RESOURCES.

TOM: BEING ENGAGED DO4ES I THINK KEEP YOU YOUNG IT KEEPS YOU INVOLVED.

IT KEEPS YOU THINKING, IT KEEPS YOU ACTIVE AND I THINK THAT HELPS KEEP YOU FROM AGING, I REALLY BELEIVE THAT IN A WAY BILLIE.

BILLIE: WELL YOU ARE ABSOLUTLY RIGHT.

IT IS ESSENTIAL THAT RETIREES STAY ENGAGED IT IS ABSOLUTLY ESSENTIAL THAT YOU DO NOT ISOLATE DONT HIDE THOSE SKILLS.

DONT PARK THOSE SKILLS AND THOSE ABILITIES THAT YOU HAVE THAT YOU USED IN YOUR WORK YEARS GIVE THEM BACK TO SOCIETY.

AND THE AREA OFFICE ON AGING HAS LOTS OF OPPORTUNITIES FOR VOLUNTEERS AND FOR YOU TO BECOME ENGAGED.

AND WE CAN CONNECT YOU WITH A VARIETY OF DIFFERENT ORGANIZATIONS THAT NEED YOUR TALENT AND SKILLS.

TOM: BILLIE THATS A PERFECT SEGWAY.

ON THE WAY OUT YOUR OFFICE, THE OFFICE ON AREA AGING IS SO IMPACTFUL IN OUR COMMUNITY IN HELPING SO MANY MAYBE GIVE US A COUPLE BULLETED POINTS OF THINGS THAT PEOPLE WHO ARE AGING IN OUR POPULATION AND THEY MAY REACH OUT TO YOU FOR CERTAIN THINGS.

WHAT WOULD BE SOME OF THOSE BULLETED POINTS BILLIE?

BILLIE: IN RETIREMENT AND ACTUALLY THIS SHOULD HAPPEN BEFORE YOU RETIRE, KIND OF A PRE-RETIREMENT PREMA IF YOU WILL MEDICARE AND MEDICAID ARE SO COMPLEX WE HAVE COUSILERS AT THE AREA OFFICE ON AGING WHO CAN ACTUALLY EXPLAIN ALL OF THE PROGRAMS AND TELL YOU WHAT RESOURCES ANFD BENEFITS AND OPPORTUNITIES ARE AVAILABLE THROUGH THOSE PROGRAMS.

THEY CAN GET YOU CONNECTED WITH SOCIAL SECURITY BEFORE YOU ACTUALL RETIRE.

BUT IF YOU ARE IN YOUR RETIREMENT YEARS AND HAVE LOTS OF QUESTIONS.

WE ARE SO FORTUNATE TO HAVE SEVERAL OF THE SOCIAL SECURITY ADMINISTRATOES ON OUR BOARD OF DIRECTORS SO WE HAVE THAT CONNECTEDNESS THE OTHER THINGS WE HAVE IF YOU HAVE A LOVED ONE AND ARE CARING FOR THEM AS A CAREGIVER, WE HAVE LOTS OF RESOURCES TO HELP YOU.

IT IS SO IMPORTANT THAT CAREGIVERS UTILIZE ALL OF OUR RESOURCES THAT WE HAVE.

FOR OUR WELL ELDERS, THOSE WHO ARE STILL ACTIVELY ENGAGED FULL OF ENERGY, HAVE THEIR GOOD HEALTH WE HAVE A LOT OF HEALTH AND WELLNESS PROGRAMS AND THEY ARE THE MOST POPULAR ONES AT THE AGENCY WE OFFER TAI CHI WE OFFER PAIN MANAGEMENT PROGRAMS JUST A MYRIAD OF HEALTH AND WELLNESS OPPORTUNITIES FOR OLDER ADULTS AND IF YOU DON'T LIKE ANY OF THOSE AND YOU DON'T NEED ANY OF THE SERVICES ONE THING THAT YOU CAN DO IS VOLUNTEER.

VOLUNTEER AND HELP OTHER OLDER ADULTS WITH MANY OF THEIR ISSUES AND PROBLEMS.

I HAVE ONE GREAT PROGRAM THAT I JUST LOVE AND THATS WHERE WE TRAIN OLDER ADULTS TO DO PEER TO PEER COUNSILING FOR OTHER OLDER ADULTS.

AND VISITING, FRIENDLY VISITING WITH OTHER OLDER ADULTS.

TOM: BILLIE JOHNSON YOU ARE A TREASURE IN OUR COMMUNITY AND WE APRECIATE ALL THE POSITIVE IMPACT YOU MAKE EVERY DAY.

THANK YOU SO MUCH FOR BEING OF 4 CORNERS TODAY BILLIE.

BILLIE: THANK YOU TOM, IT IS SUCH A PLEASURE.

TOM: IT IS CERTAINLY AN HONOR AND PRIVELEGE FOR ME TO WELCOME IN OUR NEXT GUEST.

DR. MOHAMED ALO DOC YOU ARE, AND I KNOW YOU PROBABLY DON'T WANT ME TO GO THROUGH ALL THIS BUT I AM DOING IT ANYWAYS, YOUR A RENASANCE MAN.

SO IMPRESSED WITH ALL THE THINGS YOU DO.

YOU ARE A GREAT CARDIOLOGIST YOU ALSO SPECIALIZE IN HELPING PEOPLE WITH WEIGHT LOSS.

YOUR A COACH YOUR TEACHER, YOU ARE A TV STAR.

YOU HAVE YOUR OWN LITTLE TV NETWORK THAT YOU HAVE AND WE WILL GET THE DRALO.TV IS THAT RIGHT?

IS THAT THE... DR. ALO: THAT IS CORRECT.

THATS RIGHT.

TOM; AND YOUR A GREAT DAD.

YOU DO SO MUCH SO WELL SO WE ARE HONORED TO HAVE YOU HERE DOC.

DOC WE WANT TO TALK ABOUT HEART HEALTH AND WEIGHT LOSS.

CAN YOU GIVE ME 2 THINGS DOC THAT YOU SEE THAT ARE THE MAJOR PROBLEMS WITH SENIORS WE ARE TALKING ABOUT SENIORS TODAY WITH HEART HEALTH AND WEIGHT LOSS.

DR. ALO: SO THE MOST IMPORTANT THERE ARE 2 THINGS THAT ANYBODY NEEDS TO DO, ESPECIALLY SENIOR.

THE NUMBER I USUALLY ASK PEOPLE TO NAME THE TOP 10 THINGS WE CAN DO FOR YOUR HEART.

NUMBER 1 IS QUIT SMOKING, NUMBER 2 IS QUIT SMOKING NUMBER 3 IS QUIT SOMIKING ALL THE WAY TO 10.

THE TOP 10 THINGS BY FAR YOU CAN DO TO IMPROVE HEART HEALTH, AVOID HEART ATTACKS, AVOID STROKES IS TO ACTUALLY QUIT SMOKING.

NOT THAT MANY PEOPLE SMOKE ANYMORE SO THATS HUGE.

ONLY ABOUT 19 MAYBE 20 PERCENT OF THE POPULATION STILL SMOKES WHICH IS AWESOME.

THE NEXT MOST IMPROTANT THING FOR ANYBODY AT ANY AGE BUT ALSO ESPECIALLY SENIORS AND ANYBODY OVER 60 OR EVEN ANY AGE REALLY IS TO TRY TO GET AS CLOSE TO YOUR IDEAL BODY WEIGHT AS POSSIBLE.

NOW YOU DON'T HAVE TO GET ALL THE WAY DOWN TO WHAT THE IDEAL BODY WEIGHT CHART SAYS.

BUT GET REALLY CLOSE.

EVEN IF YOUR JUST 10 20 30 LBS OFF THATS STILL A LOT BETTER THAN WHAT WE HAVE NOW.

OBESITY IS THE NUMBER ONE CAUSE OF INFLAMATION.

WHEN YOU HAVE A LOT OF ADAPOSE TISSUE, WHICH IS FAT TISSUE YOUR CARRYING A LOT OF FAT.

IT RELEASES INFLAMATORY MARKERS WHICH IS THE CAUSE OF HEART DISEASE.

ALL THAT INFLAMATION TRAVELING THROUGH YOUR BLOODSTREAM AND YOU HAVE HIGH BLOOD PRESSURE OR HIGH BLOOD SUGAR WITH IT AND IT IS TEARING UP YOUR ARTERIES FROM THE INSIDE OUT, DESTROYING ALMOST ALL YOUR ORGANS HEART ATTACKS, STROKES, YOU KNOW, RETINOPOTHIES WITH YOUR EYES, PERFIFERAL ARTERY DISEASE.

YOU KNOW KIDNEY DISEASE AND ALL OF THAT.

YOU ARE TEARING UP YOUR ORGANS FROM THE INSIDE OUT SO THE MOST IMPORTANT THING IS TO TRY TO GET YOUR BODY WEIGHT DOWN SOME WAY SOME HOW IN A SAFE AND A SCIENTIFICALLY PROVEN WAY.

NOT ONE OF THESE CRAZY FAD DIETS WHERE YOU LOSE 100 LBS IN 30 MINUTES.

TOM: GIVE ME ANOTHER THING FOR A HEART HEALTH FOR A SENIOR SO SAY THEY DONT SMOKE.

WHAT IS THE NEXT THING THEY CAN DO TO HELP THEIR HEART HEALTH?

DR. ALO: THE NEXT THING IS TO BE ACTIVE.

YOU GOT TO TRY AND INCORPORATE SOME KIND OF AACTIVITY INTO YOUR LIFESTYLE WHETER ITS GOING FOR A BRIEF WALK IF YOU CAN'T GO OUTSIDE GET UP AND DOWN OUT OF A CHAIR A BUNCH OF TIMES.

GO UPSTAIRS.

TRY TO INCORPORATE SOME KIND OF ACTIVITY BECAUSE THAT RAISES YOUR BASIC METABOLIC RATE WHICH BURNS CALORIES AND WILL HELP YOU A LITTLE BIT WITH YOUR WEIGHT LOSS GOAL.

UMMM...

THE WHOLE IDEA IS TO REDUCE SOMEHOW THE INTAKE OF CALORIES TO GET YOUR BODY WEIGHT DOWN.

THE OTHER THING IS TRY TO EAT A WHOLESOME NUTRICIOUS DIET.

SOMETHING LIKE THE MEDITERANEAN DIET HAS BEEN PROVEN SCIENTIFICALLY WITH MANY RESEARCH STUDIES THAT PREVENT ABOUT 10 CANCERS IN ADDITION TO IMPROVING HEART HEALTH, PREVENTING HEART ATTACKS AND STROKES AND THATS A DIET WHERE YOU EAT LOTS OF GREEN LEAFY VEGETABLES, LEAN MEATS, FISH, BEANS HEALTHY OILS LIKE OLIVE OIL THOSE KINDS OF THINGS TO IT STIMULATES.. REDUCES INFLAMATION BUT IT ALSO IF YOU EAT THOSE KIND OF THINGS IT IMPROVES YOUR VATCO IT LOWERS YOUR BAD CHOLESTERAL, INCREASES YOUR GOOD CHOLESTERAL REDUCES OVERALL INFLAMATION AND IT IS REALLY HARD TO OVEREAT GREEN LEAFY VEGETABLES.

YOU CAN EAT TONS OF THEM BUT YOU ARENT GOING TO GAIN A LOT OF WEIGHT BUT IT FILLS YOU UP AND YOUR SATIETY GOES UP SO YOU DONT END UP EATING MORE LIKE POPTARTS, CHIPS OR REALLY CALORIE DENSE FOODS.

TOM: DOC ON THE WAY OUT A SIGN THAT A SENIOR COULD PICK UP, BE PERCEPTIVE ON THEMSELVES OF MAYBE SOME HEART ISSUES, IS IT RAPID HEART BEAT, FEELING FAINT IS IT PROFUSE SWEATING AT TIMES, I MEAN GIVE ME THINGS SENIOR COULD PICKUP ON AND SAY HEY I NEED TO GO SEE MY DOC?

THE MOST IMPORTANT THING IS IF YOU ARE HAVING A HEART ATTACK AND USUALLY YOU IT HAPPENS WITH EXURSION OR IF YOU HAVE BLOCKED ARTERIES YOULL GET SEVERE SHORTNESS OF BREATH OR SQUEEZING CHEST PAIN KIND OF ALL ACCROSS YOUR CHEST WHEN YOUR DOING ACTIVITY AND IT USUALLY LASTS 15, 20 MINUTES OR MORE.

IT IS NOT LIKE A 1 SECOND THING WHERE UGH YOU KNOW I FELT SOMETHING SPASM FOR A SECOND.

IT IS USUALLY A PROLONGED 15-20 MINUTE CHEST PAIN THAT GETS BETTER WHEN YOU SIT DOWN AND TAKE A BREAK.

IF YOU ARE JUST SITTING AT HOME AND FEEL SOMETHING ODD WHEN YOU ARE SITTING AROUND DOING NOTHING IT IS HIGHLY UNLIKELY TO BE YOUR HEART OR ANY KIND OF HEART ISSUE IT IS A SQUEEZING ALL ACCROSS YOUR CHEST KIND OF CHEST PAIN SOMETIMES RADIATING DOWN YOUR LEFT ARM OR RIGHT ARM OR BOTH OR INTO YOUR SHOULDERS NECK AND JAW.

ESPECIALLY WITH ACTIVITY THAT MEANS YOU HAVE SOME BLOCKAGES IN YOUR ARTERY AND IF YOU REST AND IT GETS BETTER THEN THAT ALSO INDICATES MORE LIKELY IT IS PROBABLY SOMETHING WITH BLOCKED ARTERIES IN YOUR HEART SO DEFINETLY IF SOMETHING LIKE THATS HAPPENING CALL 911 OR GET TO AN EMERGENCY ROOM RIGHT AWAY SO THEY CAN DO TESTING AND FIGURE IT OUT NOW IF YOUR WALKING, YOU WALK UP AND DOWN YOUR STREET WHEN YOU HIT THE 1 MILE MARK YOU START FEELING IT AND IT HAPPENS EVERYTIME LIKE THAT THATS ALSO AN INDICATER YOU HAVE BLOCKED ARTERIES AND WHEN YOU START TO REACH A CERTAIN WORK LOAD IT STARTS TO LIMIT YOUR OXYGEN SUPPLY AND DEMAND DONT MEET EACH OTHER SO IT STARTS TO MANIFEST AS CHEST PAIN ACCROSS YOUR CHEST OR SHORTNESS OF BREATH BOTH ARE SIMILAR.

THATS WHEN YOU WANT TO SEE HELP AND TALK TO SOMEONE MEDICAL OR GET TO AN ER OR WHATEVER IT IS.

TOM: DOC UHHH YOUR FANTASTIC I THINK RAY AND NATHAN SHOULD FIRE ME AND GIVE YOU YOUR OWN SHOW.

ON WGTE TV.

YOUR OUTSTANDING IT WAS AN HONOR DOC TO HAVE YOU ON 4 CORNERS AND WE WILL DO THIS AGAIN.

DOC THANK YOU SO MUCH.

DR ALO: THANKS FOR HAVING ME.

TOM; IT IS CERTAINLY A DISTINCT HONOR FOR ME TO WELCOME IN AN EXTRAORDINARILY TALENTED YOUNG LADY FROM BUCKEYE CABLE.

HEIDI JOY HARGEGIE WHO IS VP OF CUSTOMER EXPERIENCE AT BUCKEYE.

HEIDI JOY WELCOME IT IS SO GREAT TO HAVE YOU ON 4 CORNERS.

HEIDI: HI TOM!

HPPY TO BE HERE.

THANKS SO MUCH!

TOM: HEIDI JOY TODAY WE ARE TALKING ABOUT SENIORS AND UMMM BUCKEYE HAS DONE SUCH A GREAT JOB AND YOU HAVE BEEN AT THE FOREFRONT OF THIS WITH YOUR OPEINING OF YOUR STORES HELPING SENIORS WITH CONECTIVITY WHAT ARE SOME OF THE COMMON CONNECTIVITY QUESTIONS SENIORS DEAL WITH HEIDI JOY.

HEIDI JOY: YOU KNOW THERE ARE A LOT OF DIFFERENT THINGS THAT HAPPEN BECAUSE DEPENDING ON THE TECH YOU HAVE IN YOUR HOUSE EVERYONE IS A LITTLE BIT DIFFEREN BUT SOMETHING WE SEE EVERYBODY RUNNING INTO IS SOFWARE UPDATES YOU KNOW YOU GET THAT ON YOUR CELL PHONE TOO UHH BUT IT EFFECTS ANYTHING ELSE YOUR CONNECTED TO ON THE INTERNET AT HOME YOU KNOW WHEN THEY DO THOSE UPDATES THINGS JUST DONT WORK THE SAME WAY ITS SO FRUSTRATING AND SO THATS SOMETHING WE CAN PINPOINT EASILY AND WHAT MAKES IT BETTER AS WELL IS WHEN WE HEAR THE SAME ISSUES WE ARE LIKE AHHH WE SEE WHAT HAPPENED HERE YOU KNOW THIS UPDATE ON YOUR DEVICE IS EFFECTING EVERYBODIES INBOXES SO THATS A BIG ONE WE SEE IS SOFTWARE UPDATES.

ANOTHER ONE WOULD BE END OF LIFE.

OUR TECH DOESNT LAST AND SO THATS WHAT WE REALLY HELP PEOPLE THROUGH IS TO SAY, CAN I UPDATE MY DEVICE?

CAN I SAVE IT?

IS IT WORTH SAVING IT?

OR DO I NEED TO PIVOT TO SOMETHING NEW?

TOM: HJ DO YOU FIND SENIORS ARE SOMEWHAT HAVE A CERTAIN AMOUNT OF TREPIDATION OR HESITANT TO COME INTO ASK FOR HELP UHHH HESITANT, THEY DON'T WANT PEOPLE TO THINK THAT THERE ARENT HIP OR WITH IT OR IS THAT PART OF IT?

HEIDI JOY: ABSOLUTLY, YOU KNOW THATS SO TYPICAL AND THE CRAZY THING IS, ITS NOT JUST SENIORS.

I WOULD SAY ITS EVERY SINGLE AGE BECAUSE WE ALL HAVE THESE DIFFERENT VOICES IN THEIR HEAD TO TELL US THAT EVERYONE ELSE KNOWS MORE THAN I KNOW BUT REALLY EVERYONE IS NERVOUS TO DO IT.

IT IS SO IMPORTANT TO BE ABLE TO, ESPCIALLY NOW WHEN PEOPLE SEEM SO FAR AWAY AND WE DON'T SEE PEOPEL AS OFTEN AS WE DID BEFORE TO LET SOMEONE KNOW.

LET SOMEONE KNOW THAT MAYBE MIGHT KNOW SOME MORE.

FIND OUT YOUR NOT REALLY ALONE OUT THERE.

BUT YEAH WE DEFINITLY HAVE POEPLE.

YOU KNOW WHAT THE HARDEST PART IS WITH TECHNOLOGY?

IS IT IS HARD TO ARTICULATE WHATS WRONG.

TOM: RIGHT.

HEIDI JOY: YOU KNOW YOUR LIKE I DONT KNOW WHATS WRONG ITS JUST NOT WORKING SO THATS HALF THE BATTLE.

TOM: ITS A WHOLE DIFFERENT LANGUAGE.

ITS A COMPLETELY DIFFERENT... ITS LIKE LEARNING A FOREIGN LANGUAGE.

ITS LIKE SPANISH FRENCH OR YOU KNOW IT IS TALKING ANOTHER LANGUAGE AND I THINK THATS WHAT INTIMIDATES FOLKS SOMETIMES.

HEIDI: AND FOR US WITH BUCKEYE ITS REALLY HOW WE HAVE TO RE-IMAGINE OURSELVES AS WELL.

YOU KNOW WE HAVE HAD A CALL CENTER FOR 50+ YEARS.

TOM: RIGHT HEIDI JOY: BUT WHAT WE FOUND IS THAT THERE ARE SOME THINGS THAT ARE HARD TO EXPLAIN OVER THE PHONE.

YOU KNOW YOUR SITTING HERE AND THEY ARE TRYING TO SAY OK TELL ME WHAT YOU SEE NOW TELL ME WHAT IT IS DOING NOW.

YOU KNOW AND YOUR TRYING TO USE THE RIGHT WORDS TO EXPLAIN IT AND IT CAN BE TOUGH.

SO THATS WHY WE EVEN HAD TO REIMAGINE AS YOU MENTIONED, OUR RETAIL LOCATIONS.

IS HOW WE ARE GIVING DIFFERENT OPPORTUNITIES TO BE ABLE TO MEET WITH FOLKS TO MAKE IT EASIER FOR THEM TO EXPLAIN HOW WE CAN HELP.

TOM: VP, WHAT IS THE BIGGEST MISTAKE YOU SEE SENIORS MAKE WITH THEIR TECHNOLOGY WITH THEIR CONNECTIVITY.

IS THERE ONE THING THAT CONSTANTLY IS REPEATED THAT THEY COME IN AND YOU KNOW, I KNOW THE OUTDATED THING BUT IS THERE SOMETHING THEY ARE DOING WITH THEIR TECHNOLOGY THAT YO SEE REPEATED AGAIN AND AGAIN?

HEIDI JOY: I THINK THE BIGGEST THING IS JUST I THINK WE ALL LIKE TO KEEP THINGS THE WAY IT IS.

I JUST WANTED TO KEEP GOING EXACTLY THE WAY IT WORKED BEFORE.

SO I THINK THATS ANOTHER THING THAT IS A TOUGH THING THATS BROUGHT UP.

HOW FRUSTRATING IS IT WHEN YOUR INBOX, YOUR EMAIL CHANGES?

IT STILL WORKS THE SAME WAY BUT EVERYTHING LOOKS DIFFERENT OR I CAN'T FIND THAT BUTTON OVER THERE.

THATS A PAIN POINT THAT AS UPDATES HAPPEN MAYBE THAT BUTTON MAKES MORE SENSE FOR THE NEW PERSON THATS GOING TO USE IT BUT IF MAYBE THAT BUTTON WASN'T THERE BEFORE WE HAVE TO HELP NAVIGATE AND FIND THOSE THINGS, ONE OF THE WAYS WE HAVE APPROACHED IS WE HAVE GOT TO UNDERSTAND WHERE OUR CUSTIMERS WANT TO FIND THAT INFO.

WHERE DO YOU WANT TO FIND THOSE HOW TOS.

TOM ARE YOU A READER OR MORE OF A VISUAL GUY LIKE HOW DO YOU LIKE TO KIND OF LEARN?

TOM: RIGHT.

HEIDI JOY: AND WHEN YOU START THINKING OF THAT YOU SAY OK SO WE HAVE BLOGS SO WE ACTUALLY HAVE SOME BRAINIACS THAT BLOG BECAUSE WE HAVE SOME CUSTOMERS THAT SAY LOOK WHEN YOU ARE TALKING YOU ARE TALKING TOO FAST AND ITS WHOOP GOES IN ONE EAR AND OUT THE OTHER.

JUST WRITE IT DOWN FOR ME.

SO WE HAVE STARTED BLOGS.

ON THE OTHER HAND WE HAVE SOME FOLKS THAT SAY I JUST WANT TO SEE IT.

SO WE HAVE A YOUTUBE CHANNEL SO YOU CAN ACTUALLY PUSH PAUSE OR YOU CAN READ HERE AGAIN, YOU KNOW GO BACK WE SOME FOLKS SAY IJUST NEED TO INTERACT I NEED TO AKS A COUPLE QUESTIONS SO WE HAVE TRIED WORKSHOPS YOU KNOW SO ITS JUST REALLY LIKE A PROCESS ITS ONGOING.

ITS NOT JUST ON OUR SENIORS TO SAY YOU GOT TO GET OUT THERE.

YOU HAVE TO ASK THOSE QUESTIONS ITS ON US AS A BUSINESS TO SAY HOW CAN WE HELP?

ARE WE JUST SHOWING UP IN THE ONE WAY THAT WE ALWAYS HAVE OR ARE WE RE-IMAGINING HOW TO GET THIS INFO BEST OUT TO FOLK.

TOM: AS ALWAYS HEIDI JOY IT HAS BEEN AN HONOR TO HAVE YOU ON 4 CORNERS.

AND YOU HAVE SAID A WORD A COUPLE OF TIMES THATS SO INDICITIVE OF WHAT BUCKEYE IS AND WHAT YOU DO IS RE-IMAGINE.

BECAUSE NOTHING STAYS THE SAME.

YOU ARE EITHER GETTING BETTER OR GOING BACKWARDS AND I THINK WITH THE INTILLECTUAL CAPABILITIES OF MR BLOCK AND JEFF SHOOK AND YOU AND OTHERS I THINK BUCKEYE WILL CONSTANTLY BE ON THE CUTTING EDGE.

THANKS FOR ALL YOU ARE DOING FOR SENIORS AND THANK YOU HEIDI JOY FOR BEING ON 4 CORNERS.

HEIDI JOY: HEY THANK YOU SO MUCH.

TOM: CERTAINLY IS AN INCREDIBLE HONOR FOR ME TO WELCOME IN A LIFELONG FRIEND, MR JOHN ROSS WHO IS ONE OF THE GREAT FINANCIAL ADVISORS IN OUR COMMUNITY, IN OUR CITY, IN OUR TOWN A MAN THAT HAS ALWAYS BEEN INTEGREDY BASED.

ALWAYS BEEN HONEST ALWAYS DONE THE VERY BEST FOR HIS CLIENTS JOHN ROSS WELCOME IN.

JOHN: IT IS GREAT TO BE HERE WITH YOU TOM AND AS ALWAYS WHAT A PLEASURE.

TOM: AND I FORGOT TO MENTION I DON'T WANT TO EMBARRASS YOU BUT ITS NOT AN EMBARRASMENT ITS SOMETHING TO BE PROUD OF.

BUT YOU DON'T LIKE WHEN I TALK ABOUT IT BUT, JOHN WAS ONE OF THE GREAT WIDE RECIEVERS IN THE HISTORY OF THE UNIVERSITY OF TOLEDO AND UM YOU KNOW HELD RECIEVING RECORDS FOR MANY YEARS AND CERTAINLY WELL DESERVED INTO THEIR HALL OF FAME BUT JOHN WHAT WE ARE GOING TO DO TODAY IS WE ARE TALKING ABOUT SENIORS AND BECAUSE OF YOUR EXPERTISE YOUR INTEGREDY IN FINANCIAL SERVICES, SENIORS WITH THEIR MONEY.

GIVE ME ONE THING JOHN YOU SEE SENIORS WITH THEIR MONEY WHEN THEY RETIRE THAT SOMETHING THEY NEED TO DO AND SOMETHING YOU SEE UNFORTUNATLY THATS A MISTAKE.

JOHN: WELL I THINK THE FRST THING I WOULD SAY IS PLANNING IS CRITICALLY IMPORTANT.

AND THATS BEFORE YOU RETIRE YOU NEED TO TAKE TIME TO SIT DOWN AND PAINT THE PICTURE OF WHAT YOUR RETIRMENT WILL LOOK LIKE.

I HAVE A COUPLE BROTHERS AS A MATTER OF FACT, A BUNCH OF BROTHERS BUT ONE THAT WAS A DOCTOR THAT WORKED WITH CHILDREN AND WHEN A CHILD WOULD COME IN AND SAY IM RUNNING AWAY.

HE WOULD ASK THEM A REALLY GOOD QUESTION AND THATS WHERE ARE YOU RUNNING TO?

AND WHAT I HAVE DONE IS ADAPTED THAT QUESTION TO RETIREMENT.

WHEN PEOPLE ARE READY TO RETIRE I ASK THEM A QUESTION, YOU KNOW, WHAT DO YOU RETIRING TO?

WHAT DOES THAT PICTURE LOOK LIKE?

AND IF YOU HAVE GOOD PLANNING YOU CAN GET YOURSELF IN A POSITION WHERE THE RETIREMENT YOU ENJOY IS THE ONE YOU PLAN FOR.

TOM: JOHN WHERE SHOULD A SENIOR LOOK CERTAINLY THEY CAN COME TO YOU AT INTEGRATED FINANCIAL SERVICES, I MEAN YOUR RESOURCES AND SERVICES, YOUR INCREDIBLE.

BUT WHAT WOULD YOU SAY TO A SENIOR WHOSE RETIRED AND THEY WANT TO LOOK TO HELP FOR THEIR MONEY.

WHAT WOULD THE THE ADVISE YOUD GIVE THEM.

WHAT WOULD BE THE FIRST STEP?

JOHN: WELL IN THE TOLEDO AREA THERE IS A NUMBER OF GREAT FINANCIAL PLANNERS WHO ARE REALLY GOOD HONEST PEOPLE THAT WILL SERVE THEIR CLIENTS BUT OTHER SOURCES YOU CAN LOOK IS FOR EXAMPLE AMAC WHICH IS ASSOCIATION OF MATURE AMERICANS AND AARP.

BOTH OF THOSE WEBSITES HAVE AREAS ON THERE WHERE YOU CAN PUNCH IN SOME OF YOUR FINANCIAL DATA AND GET SOME LOKKS AT WHAT DOES THAT RETIREMENT PICTURE LOOK LIKE AND I THING THOSE ARE GOOD PLACES TO START.

THERE ARE SOME SOFTWARE PROGRAMS OUT THERE BUT AGAIN A LOT OF TIME YOULL FIND PEOPLE THAT DON'T WANT TO SPEND THE TIME TO PUT ALL THAT DATA INTO THE SOFTWARE PROGRAM AND AS YOU KNOW THE PROGRAM RESULT IS ONLY AS GOOD AS THE INFO THAT WENT IN.

TOM: RIGHT JOHN DO YOU FIND... YOU DEAL WITH SO EFFECTIVELY WITH SO MANY PEOPLE FROM SO MANY DIFFERNET SOCIOECONOMIC GROUPS OF ALL AGES BUT WE ARE TALIKING SENIORS TODAY.

DO YOU FIND THAT A SENIOR OR HUSBAND AND WIFE OR JUST THE HUSBAND OR WIFE COME TO SEE YOU.

IF THEY THIS MAY SEEM ODD BUT I AM TRYING TO GET TO A POINT, IF THEY ARE PHYSICALLY ACTIVE AND EVEN THOUGH THEY ARE RETIRED THEY ARE PHYSICALLY ACTIVE AND ALSO MENTALLY ENGAGED IN THEIR COMMUNITY AND LIFE SAY THEY HAVE HOBBIES AND THINGS THEY DO.

ARE THOSE PEOPLE SHARPER WITH THEIR FINANCES WOULD YOU SAY OVERALL.

JOHN: I WOULD SAY THATS ABOUT A 98% YES.

UMMM AND THERE ARE STUDIES WHERE THEY TALK ABOUT THE PEOPLE THAT LIVE A LONG LIFE ARE ACTUALLY PEOPLE THAT GET UP EVERYDAY WITH A PURPOSE.

THEY HAVE SOMETHING TO DO AND THEY ARE GETTING UP.

NOT JUST GOING TO WATCH TV YOU KNOW THEY ARE ACTIVE ENGAGED AND INVOLVED IN THEIR COMMUNITY AND OTHERS AND HAVE THAT SOCIAL INTERACTION THAT IS SO IMPORTANT.

TOM: JOHN WHATS THE WORST THING A RETIREE COULD DO WITH THEIR MONEY UHHH AND LETS SAY LETS TAKE YOU KNOW I THINK I READ SOMEWHERE, YOUD KNOW BETTER THAN ME BUT 50% OF AMERICANS DONT HAVE $600 IN A CHECKING ACCOUNT TO COVER AN EMERGENCY SO THERE WILL BE A LOT OF PEOPLE THAT ARE RETIRING THAT MAYBE DONT HAVE YOU KNOW A HUGE 401K OR SOME STOCK OPTIONS AND BENEFITS AND ALL THAT.

THEY ARE JUST RETIRING ON A SMALL AMOUNT OF MONEY.

WHAT IS THE BIGGEST MISTAKE SOMEONE LIKE THAT COULD MAKE WITH A SMALLER AMOUNT OF MONEY.

JOHN: WELL I REALLY LIKE TO PUSH MY CLIENTS AND I MEAN THAT IN A POSITIVE WAY TO WORK ON WHAT IS THE BUGET AMOUNT THEY NEED MONTHLY.

BECAUSE ONE OF THE CRITICAL THINGS YOU MUST DO WHEN YOU RETIRE IS CASHFLOW IN OTHER WORKDS YOU NEED TO HAVE ENOUGH MOONEY COMING IN TO COVER YOU EVERYDAY MONTHLY BILLS.

WHEN YOU WAKE UP THE FIRST DAY OF THE MONTH ALL YOUR BILLS ARE COVERED.

AND MANY TIME I CAN WORK WITH A SENIOR AND GET THEM INTO A POSITION WHERE WE REDUCE DEBT GET THAT CASHFLOW NUMBER DOWN SO WE ARE IN A GOOD POSITION AND WE ARE BALANCING EACH OTHER AND THAT WILL LEAD TO A MUCH HAPPIER RETIRMENT KNOWING YOUR BILLS WILL BE PAID TOM: JOHN ROSS I CANT THANK YOU ENOUGH FROM INTEGRATED FINANCIAL RESOURCES.

YOU HAVE LIVED THE LIFE OF INTEGRETY AND FINANCIAL SERVICES AND HAVE HELPED SO MANY PEOPLE HAVE GREAT RETIRMENTS JOHN THANK YOU SO MUCH FOR BEING WITH US ON 4 CORNERS.

JOHN: HEY TOM ITS A PLEASURE AND AGAIN I LOVE THIS WHAT YOUR DOING FOR THE COMMUNITY.

YOU ARE ALWAYS LIFITING OTHER PEOPLE UP AND I SURE APPRECIATE THAT AND VALUE THAT AND YOUR OUR FRIEND THANK YOU SO MUCH.

TOM: GOOD TO SEE YOU JR TAKE CARE.

WE CERTAINLY DONT THINK WE CAN SOLVE ALL THE ISSUES AND ANSWER ALL THE QUESTIONS ABOUT ALL THE BOOMERS IN 30 MINUTES ON 4 CORNERS.

BUT THAT BEING SAID, THERE WERE 4 AXIOMS FROM OUR GUESTS THAT CROSSED AND INTERSECTED AND THEY ARE AS FOLLOWS.

1, BEING PHYSICALLY ACTIVE AND MENTALLY ENGAGED WILL ALWAYS MAKE YOUR LIFE MUCH BETTER AS YOU AGE.

2, NEVER BE AFFRAID TO SEEK OUT INFORMATION.

OR EXPERTS TO HELP WITH QUESTIONS OR CONCERNS.

THERE ARE A MYRIAD OF PROGRMAS TO HELP SENIORS.

THEY ARE OUT THERE.

SEEK THEM OUT.

3, TAKING CARE OF YOUR OVERALL HEALTH IS SO VERY IMPORTANT ESPECIALLY CONCERNING YOUR HEART AND WEIGHT LOSS.

AND 4, NEVER FEAR TECHNOLOGY.

EMBRACE IT!

IT WILL ALWAYS MAKE YOUR LIFE BETTER THROUGH CONECTIVITY.

IM TOM COLE, STAY SAFE, AND LETS ALL CONNECT AGAIN ON 4 CORNERS.

ANNOUNCER: THIS PRESENTATION IS MADE POSSIBLE IN PART BY THE MANGO TREE RESTAURANT AND BY VIEWERS LIKE YOU.

THANK YOU!

(MUSIC) (MUSIC) (MUSIC) (MUSIC) (MUSIC)