December 2019/January 2020, Vol. XX, No 3
Holiday Gift Soiree and Open House
We have been very busy preparing for the Holiday Gift Soiree & Open House. We hope you will stop in to experience the transformation of the hallway and rooms of the Xenia Community Center ~ next door to our office on West Second Street, and where we are fortunate to offer programs and events throughout the year.
 
Our snow-sprinkled birch tree pathway will once again be brought to life, with a number of new furry and feathered friends joining us for this year’s festivities. We are also pleased to have some very special gnomes stopping by this year to greet our guests, welcoming you to this enchanted and one-of-a-kind experience.
 
Our elves have been creating all sorts of gifts since the Spring and our bakers are gearing up for this year’s bounty of tasty treats. We will have some new treats to tempt you with, but you can count on finding well stocked displays of the requested favorites including caramel corn and peppermint popcorn, chocolate covered pretzels, buckeyes, jams, cinnamon bread, snickerdoodles, shortbread, gingersnaps, and other memory-evoking cookies and treats. We are fortunate to once again have a quilt to be raffled which was handcrafted by one of our volunteers. It is bright and colorful and will be a lovely addition to the room of a very happy grandchild or friend, unless the winner keeps it for themselves! There will also be an overflowing gift basket door prize for a lucky Soiree attendee!
 
Many of the gifts are made from recycled items, which we hope will inspire those who enjoy the creative process. In addition to an array of country, vintage, and sports team inspired items, we have a beach-inspired display for those yearning for warm temperatures, water, sand and possibly a glimpse of a mermaid.
 
The Gathering Room will showcase “The Sweet Neighborhood”, where you will find many of our sweet treats to purchase, but also plenty of delectable refreshments, and tables & chairs for enjoying the food, holiday music and the company of others, including your Council team members and volunteers. The Holiday Gift Soiree & Open House is a very special event and we would love to share it with you and any friends you invite along for the fun!

Holiday Gift Soiree & Open House
 
Tuesday, Dec 3rd 6pm to 8pm   
Wednesday, Dec 4th 11am to 6pm
 
Xenia Community Center
1265 W. Second Street
Next to the Council’s Office
It's Your Money: Time to Simplify
The Council’s Financial Advocate spends a fair amount of time each month working with clients on personal finances. A common theme among many is that financial management is complicated, so they don’t do it, or don’t do it well. Among these same people, we find that they have multiple bank accounts (often at different banks), have multiple investments, multiple credit cards, multiple IRA accounts and/or 401(k) accounts. No wonder financial management gets little attention. So where do you start when you have so many different branches on the money tree?
 
One change that might help is to simplify. Don’t get intimidated by the seemingly huge task at hand. To understand the road ahead, sit down and make a list of changes you would like to make. To avoid being discouraged by your list, accept that it will take you some time to completely reorganize your financial life. Prioritize the items on your list, and then tackle them one at a time. When you accomplish something on the list, take time to appreciate your achievement. To help guide your financial inventory, start with:
 
Bank and investment accounts . Most people have too many bank and/or investment accounts. Do you really need more than one checking account, or more than one savings account? Pick the best bank (or better yet, pick a credit union) and consolidate everything into one institution. If you have a professional investment advisor this next point may not apply as much, but if you manage your own investments, do you really need 5 or even 10 different mutual funds? Unless you really enjoy spending time analyzing individual mutual fund performance and expenses, why not simplify and buy just one or two index mutual funds instead. If you’ve changed jobs one or more times during your working life, do you have multiple 401(k)s? Again, simplify by rolling these multiple 401(k) accounts into a single IRA account. Also, try to keep all your investments at a single institution rather than spread out across several different companies. Make it a goal to only receive one bank statement and one investment statement each month.
 
 
Credit cards. Do you really need to have four Visa cards, two Mastercards, a Target card, and a gas card? Yes, you might have specialty cards earning various incentives, but having multiple cards definitely makes management MUCH harder. If you’ve ever missed a card payment you know that the typical company has little sympathy. You could be slapped with a hefty late payment penalty, plus your entire balance will incur interest charges. Simplify your life by picking one single credit card, and use it everywhere you previously had specialty cards. Ideally, this one credit card will have zero annual fee and a low finance rate. Finally, automate the payment of your card each month so that you never miss a due date.

Insurance. Most of us have a homeowner or renter’s policy, plus an auto policy. Are they at the same company? When was the last time you reviewed your coverage to make sure your policy has kept up with inflation and/or your accumulated goodies? Have you compared policy premiums among competitors to make sure you are getting a good deal? Step one, call your current agent and ask for a policy review to make sure your policy covers what you need. Make adjustments as necessary. Once you have a good idea what coverages you really have/need, get a couple of other quotes for this same coverage to make sure you are getting a good deal. Ideally, have all your insurance with the same company to take advantage of bundling deals. If this discussion of financial complexity rings a chord with you, please take time, while you are still able to manage the task, to simplify. If you are overwhelmed, contact the Council for help.

GCCOA is on YouTube
Your Council, like most organizations, has a website and a Facebook Page. We have added a YouTube channel, to which we have uploaded several Legal Chat videos. In addition to a Legal Chat welcome video, you will find three videos—Advanced Directives, Wills & Probate, and Guardianship. As available, new videos on a variety of topics will be posted, with the next one being the video from the Elder Panel. We hope you will check us out:
 
We had another successful It’s My Money session this Fall and planning of the Winter 2020 It’s My Money! My Stuff! My Life is underway! The program is set for the five Tuesdays in March and will again be held at the Xenia Community Center next door to the Council’s Xenia office. This exceptional program brings together local professionals with expertise in legal, financial, and long term care issues. It runs for five weeks from 6pm—8:30pm and the cost is $40 per household. Handouts and heavy refreshments are provided and space is limited. If you are interested in receiving the brochure, please contact the Council at 376-5486/info@gccoa.org. The brochure and registration form will also be posted on the Council’s website and Facebook page in early January.
2020 GCCOA Calendars
The printed 2020 GCCOA calendar is available and they are going fast. You can pick one up at the Council’s Xenia or Beavercreek offices, one of the senior centers, as well as at the library and other community spots. The calendar theme is Recipes for Life and it showcases some of our wonderful Greene County seniors sharing their food or recipe connected stories.
2020 Senior Artisan Show Set
Invitations to known Greene County Senior Artisans will be sent out before the end of the year for the 2020 Senior Artisan Show, to be held the first three Sundays in March at the Fairborn Art Association. As always, we look forward to sharing creations by Greene County Artisans (60+) who work with a variety of mediums, including watercolor, pastels, acrylics, clay, wood, mixed media, and photography.
 
If you would like to receive the information, please contact the Council at info@gccoa.org or 937-376-5486.
Donor Spotlight
Please join us in thanking these generous donors who shared a gift since the last newsletter. All donations are set aside to be used for future services/programs.

In Honor Of:
Andree Bognar
Lee Duteil

In Memory Of:
Renate Glasscock
Edna Mae Keiter
Larry Sagers

Donors:
Clifton Senior Center         
Joe and Joan Gallagher
Estate of Renate Glasscock         
Genevieve Sagers
Mary Lou Somogyi         
Ginny Vikmanis
David & Evelyn Whilding         
Yvonne Yeldell
deciBel Research         
First Energy
United Way of Greater Dayton
Amazon Smile

GCCOA Energizers Sharing Their Time & Talent:

Phyllis Beck
Linda Bullock
Cindy Clark
Leah Donohue
Evelyn Ferguson
LB Fred
Betty Gibson
Bob Hagler
Barb & Gary Hawk
Rika Hendrikson
John Hobson
Cecilia Hightower
Linda Jones
Letha Kimball
George Knight

Anita Kuntz
Jessica Lange
Jackie Markunes
Barb McKown
Frannie McPherson
Chris Middleton
Marian Miller
Sondra Morckel
Sharon Morgan
Nancy Mullins
Foy Neff
Sherry Newcomer
Ruby Norman
Linda Parsons
Joe Radin
Ken Richardson
Chuck Ryan
Pam Sowder
Priscilla Stephens
Ginny Vikmanis
Lisa Weinstein
Barbara Werth
Dee Willis

Appreciation to the following for their support of the Council’s Fall Programs and Events:

Matthew Bennett
Tammy Cox
Carol Culbertson
Dave Cusack
LB Fred
Chris Hall
Jack Leahy
Jerry Mahan
Justin McColaugh
David Peterson
Eric Sears
Pete Stephan
Buckeye Home Care
Cedarville University School of Nursing
Greene Inc.
Greene County Library
Synergy Building Systems
Village at the Greene
Ohio Consumer Counsel
Ohio Department of Insurance/OSHIIP


Watch for our special contest in January!

Upcoming Programs & Meetings
Holiday Gift Soiree & Open House
Tues, December 3rd ~ 6—8pm & Wed, December 4th ~ 11am—6pm
Xenia Community Center ~ 1265 W. Second, Xenia
 
December 7th
Last Day for Medicare Open Enrollment
ONLY A FEW DAYS LEFT!
Please Contact the Council or your senior center for assistance

Medicare 101
Wednesday, December 11th ~ 5:30pm—7:00pm
Xenia Community Center ~ 1265 W. Second, Xenia
 
Memory Loss, Dementia & Alzheimer’s Disease
Thursday, January 10th ~ 2:30pm—4:30pm
GCCOA Office ~ 1195 W. Second Street, Xenia
 
Looking Ahead:
 
2020 Senior Artisan Show ~ First Three Sundays in March
Fairborn Art Association
 
It’s My Money, My Stuff, My Life
Tuesdays, March 3, 10, 17, 24 & 31, 2020 ~ 6:00 pm – 8:30 pm

For more information on any of the above events/meetings, please contact Council
at 937-376-5486 or info@gccoa.org , visit our website (www.gccoa.org), or find us on Facebook

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Greene County Council on Aging
937-376-5486
Committed to Seniors and Caregivers
Our mission: To promote independence and quality of life for Greene County senior citizens and caregivers by facilitating and supporting the development, implementation and continual improvement of a comprehensive and coordinated system of contact and care.