How Men Can Help Guard Against Poverty in Their Golden Years
Insurance Industry Expert Shares 3 Tips
During Men's Health Month

June is Men's Health Month, a reminder for men to do the things that they generally don't do as well as women: getting screened for conditions that, detected early, are easily treated; seeking education about health issues, and supporting each other's well-being.

If being happier with good health isn't enough, then men should consider the extraordinarily high medical cost of poor health - especially during the retirement years, says insurance industry expert Chris Orestis.

"Just one health incident can wipe out an individual's savings, leaving little money for living expenses," says Orestis, a longtime industry insider and author of "Help on the Way," (http://ebook.lifecarefunding.com/), which explains the problem of funding long-term care and offers solutions.

"That can mean a major loss of independence, from having to move in with a son or daughter or worse. Baby Boomers, who are retiring in droves, have about 8 percent less wealth than those 10 to 15 years older than them, partly because of the recent recession."

In addition to taking care of their health, retired and soon-to-be-retired men can avoid flirting with poverty by exercising some financial options. Orestis reviews three of them.

•  Hold off on collecting Social Security until age 70. The life expectancy for men today is 76, an increase from past years, and it's expected to continue to climb. If you're worried about outliving your money, hold off on collecting Social Security benefits early (age 62), which results in up to 30 percent less benefits. People born from 1943 to 1959 are eligible for full benefits at 66, and those born in 1960 or later are eligible at 67. However, if you wait until age 70, you can receive up to 8 percent more in benefits.

•  Turn your life insurance into a long-term care fund. Instead of abandoning a life insurance policy because you can no longer afford the premiums, policy owners can convert a portion of the death benefit value into a Life Care Benefit - Long Term Care Benefit Plan (www.lifecarefunding.com). The money is deposited into a fund earmarked for paying for private duty in-homecare, assisted living, skilled nursing, memory care and hospice care. By converting a life insurance policy, a senior does not have to resort to Medicaid and the many restrictions that come with it, but will still be Medicaid-eligible when the benefit is spent down.

•  Consider investing part of your portfolio in fixed-rate indexed annuities: Having all of your retirement savings in stocks exposes retirees and pre-retirees to too much risk. As you get closer to retirement age, it's important to find alternatives that provide for growth while protecting savings. Fixed-rate indexed annuities - money loaned to an insurance company that guarantees payments over a specified length of time -- allows you to forecast the income you'll generate. Fixed-rate indexed annuities have a ceiling on interest rates, but they also have a floor. Your principal is safe and you can ride an up market without the risk.

About Chris Orestis

Chris Orestis, nationally known senior health-care advocate, expert, and author is CEO of Life Care Funding, (www.lifecarefunding.com), which created the model for converting life insurance policies into protected Long-Term Care Benefit funds. His company has been providing care benefits to policy holders since 2007. A former life insurance industry lobbyist with a background in long-term care issues, he created the model to provide an option for middle-class people who are not wealthy enough to pay for long-term care, and not poor enough to qualify for Medicaid.

Neurosurgeon Recommends Building Muscle as
Best Protection Against 'the Disease of Aging'
Offers 5 Exercises for a Solid Strength-Building Regime

If you want good health, a long life and to feel your best well into old age, the No. 1 most important thing you can do is strength-training, says Dr. Brett Osborn, author of "Get Serious, A Neurosurgeon's Guide to Optimal Health and Fitness," www.drbrettosborn.com

"Our ability to fight off disease resides in our muscles," Dr. Osborn says. "The greatest thing you can do for your body is to build muscle."

He cites a large, long-term study of nearly 9,000 men ages 20 to 80. After nearly 19 years, the men still living were those with the most muscular strength. (BMJ, formerly British Medical Journal, 2008).

Muscle is all protein - "nothing but good for you," Dr. Osborn says.

Fat, however, is an endocrine organ, meaning it releases hormones and other chemicals. When a person has excess fat, he or she also a disrupted flow of excess biochemicals, which can increase insulin resistance and boost risk factors for stroke and high blood pressure, among other problems.

"Increased cytokines, an immune system chemical, for example, are associated with increased risk for cardiovascular disease," Dr. Osborn says. "You're only as old as your arteries!"

Strength-training has health benefits for everyone, he adds, no matter their size.

"Some fat is visceral fat - it's stored around the organs and it's even more dangerous than the fat you can see," he says. "People who look thin may actually be carrying around a lot of visceral fat."

So, what's the workout Dr. Osborn recommends?

"Back to basics," he says. "These five exercises are the pillars of a solid training regime."

•  The squat is a full-body exercise; it's the basic movement around which all training should be centered. Heavy squats generate a robust hormonal response as numerous muscular structures are traumatized during the movement (even your biceps). Standing erect with a heavy load on your back and then repeatedly squatting down will stress your body inordinately - in a good way -- forcing it to grow more muscle.

•  The overhead press primarily activates the shoulders, arm extenders and chest. Lower body musculature is also activated as it counters the downward force of the dumbbell supported by the trainee. From the planted feet into the hands, force is transmitted through the skeletal system, stabilized by numerous muscular structures, most importantly the lower back.

•  The deadlift centers on the hamstrings, buttocks, lumbar extensors and quadriceps, essentially the large muscles of your backside and the front of your thighs. As power is transferred from the lower body into the bar through the upper body conduit, upper back muscles are also stressed, contrasting with the squat, which is supported by the hands. Deadlifts are considered by some to be the most complete training exercise.

•  The bench press mostly targets the chest, shoulders and triceps; it's the most popular among weightlifters, and it's very simple - trainees push the barbell off the lower chest until the arms are straight. This motion stresses not only the entire upper body, but also the lower body, which serves a stabilizing function. This provides a big hormonal response and plenty of bang for your buck.

•  The pull-up / chin-up stress upper body musculature into the body. A pull-up is done when hands gripping over the bar; a chin-up is where hands are gripping under the bar. Nine out of 10 people cannot do this exercise because most simply haven't put in the effort. It's also been called a "man's exercise, which is nonsense," he says. There are no gender-specific exercises. Women, too, should aspire to enjoy the health benefits entailed with this pillar.

"There are no secrets to a strong and healthier body; hard work is required for the body that will remain vital and strong at any age," Osborn says. "Always practice proper form and safety. Otherwise, the result will be the opposite of your goal, an injury."

About Dr. Brett Osborn

Brett Osborn is a New York University-trained, board-certified neurological surgeon with a secondary certification in anti-aging and regenerative medicine, Diplomate; American Bard of Neurological Surgery, Diplomate; American Academy of Anti-Aging Medicine. He holds a CSCS honorarium from the National Strength and Conditioning Association. Dr. Osborn specializes in scientifically based nutrition and exercise as a means to achieve optimal health and preventing disease. He is the author "Get Serious, A Neurosurgeon's Guide to Optimal Health and Fitness," www.drbrettosborn.com.

Doctor Outlines Easy Changes That Can Vastly Improve Health, Happiness and Well-Being

"Imagine you're a spider with just one leg," says Dr. Frank King.

"You put forth immense effort to try to haul yourself around and not only does it wear you out, it's frustrating and you don't get far." King is a chiropractor and doctor of naturopathy specializing in homeopathic remedies, and author of The Healing Revolution (www.kingbio.com).

"It gets a bit easier with two legs and easier still with four legs. But it's not till you have all eight legs that you can really dance."

Dr. King explains that the eight legs represent Eight Essentials we need for optimum mental, physical and spiritual health: Empowering your human spirit; Water; Nutrition; Fitness; Sleep; Nature; Relationships; and Hands On Techniques (touch).

"It would be overwhelming and self-defeating to look at all eight areas and think, 'I have to make significant changes in every area immediately!" Dr. King says. "You don't have to and who could? I know from my experience with countless patients and friends, and even in my own life, that you can see immediate results by making a few small changes at a time."

Dr. King describes three that are easy to make and will have you feeling better quickly.

•  Drink half your body weight in ounces of spring or well water every day.
If you weigh 150 pounds, that's 75 ounces of water (about 9 cups).

"Many of us walk around dehydrated without realizing it and that can have a significant effect on our health and how we feel," Dr. King says. Dehydrated bodies trap toxins and encourage water retention - a natural defense against the chronic "drought."

"Our bodies need the steady flow of pure, spring or well water. If you don't like the taste, try mixing up to a teaspoon of sea salt into a quart of water," he says.

A simple test for dehydration: Pinch the skin on the back of your hand and hold for three seconds. When you release, if the ridge from the pinch remains for more than a second, you're probably dehydrated.

•  Take at least a few minutes every day to connect with nature.Nature brings perpetual revitalization and ongoing renewal, especially when experienced through multiple senses:  the smell of freshly turned earth or evergreens in the woods; the touch of cool stream water on your face or feet; the sight of birds on the wing and budding blooms.

"These are not just pleasant little gifts to experience - we need them for restoration, renewal, revival and rehabilitation," Dr. King says. "The more disconnected we become from the Earth, the more we inhibit our body's natural ability to heal."

•  Take a brisk, 10- to 20-minute walk every day. Walking is the simplest, most natural form of exercise. You might walk a nature trail, walk to the store instead of driving or take your pet for a stroll.

"Three brisk 10-minute walks a day are as effective at lowering blood pressure as one 30-minute walk," Dr. King says, citing an Arizona State University study.

"Outdoor walking is preferable to walking on a treadmill or other machine, since the uneven surfaces and changing directions of natural walking will engage more muscles and tendons."

Swing each arm in synchronization with the opposite foot to strengthen your cross-crawl functionality and mind-body balance.

About Dr. Frank King

Dr. Frank King is a chiropractor, doctor of naturopathy, and founder and president of King Bio, an FDA-registered pharmaceutical manufacturing company dedicated to education, research, development, manufacture and distribution of safe and natural homeopathic medicines for people and pets. Dr. King is also the author of,The Healing Revolution: Eight Essentials to Awaken Abundant Life Naturally!(www.kingbio.com). A fourth-generation farmer, Dr. King raises yak, camel, boar, wisent and American bison sold under the Carolina Bison brand. He is a member of the Homeopathic Pharmacopoeia Convention of the United States.

'A Robot Operated on My Hernia'
Tarpon Springs Surgeon Debunks This & Other Myths About Robots in the O.R.

Robotics-assisted surgery has become enormously popular, with physicians around the world performing 1.5 million procedures - from hysterectomies to heart valve repairs - in 2011.

"But myths and misconceptions about robots in the operating room still abound," says physician Dr. Keith Chisholm, MD, a Board Certified General Surgeon on staff at Florida Hospital North Pinellas, (www.fhnorthpinellas.com).

"One is that the robot performs the surgery - 'a robot operated on my hernia,' " says Dr. Chisholm. "Technically, it's not a robot because it can't perform surgery without someone controlling it - it's actually computer-assisted surgery. The surgeon guides all of the movements using finger-manipulated controls."

He and other robotics surgeons use the da Vinci Surgical System, which the U.S. Food and Drug Administration approved for minimally invasive surgeries in 2000. Nine years later, the da Vinci was being used in 80 percent of surgeries to remove cancerous prostates, according to its maker, Intuitive Surgical, Inc.

"The benefits of robotics-assisted surgery are numerous", says Dr. Chisholm, who performs several different procedures using da Vinci and became the first Pinellas-Pasco physician to use it for a single-incision cholecystectomy (gall bladder removal).

"The robotic arms hold miniaturized surgical instruments, so we can get in through very small incisions," he says. "That means there's less chance of infection, less pain, much less scarring and a quicker recovery time. Because the arms have 'wrists' that can rotate more than 360 degrees, we have far more maneuverability than we do with laparoscopic surgery, and we can get into hard-to-reach areas."

"One of the robotic arms holds a magnified 3D high-definition camera, which gives us a much better view of the surgical site than we would have with just our own two eyes."

In a 2013 FDA survey, surgeons experienced with da Vinci said their patients have less bleeding, fewer complications, much quicker recovery times and less time in the hospital - 24 hours on average. Interestingly, those who used da Vinci to remove advanced cancer in the tonsils region of the throat said half of their patients were able to avoid chemotherapy.

What are some other myths and misconceptions?

•  Myth: Robotics-assisted surgery costs much more than traditional surgery.
A study published in July 2013 found that half of the minimally invasive procedures reviewed, including robotics-assisted and laparoscopic surgeries, cost insurance providers less than the same surgeries performed in the traditional manner. Four of the six minimally invasive surgeries also resulted in fewer lost work days - sometimes several weeks fewer.

"The robotics technology is expensive and the whole surgical team has to be trained, which can add to the cost," says Dr. Chisholm. "But there's also a tremendous savings compared with traditional surgery because the patient is out of the hospital more quickly and there are fewer complications."

(Study conducted by University of Pennsylvania health economist Andrew J. Epstein and published in JAMA Surgery.)

•  Myth: Robotics-assisted surgery is riskier than traditional surgeries.
Any surgery has certain risks, but in many ways, robotics-assisted surgeries have fewer overall, Dr. Chisholm says.

"Many times, the robotics-assisted procedures can be done much more quickly, so there's less risk simply because the duration of the procedure is shorter," he says. "You also have the smaller incisions, less bleeding, etc. that reduce the risks."

In addition, the Tampa Bay area is fortunate to have the cutting-edge 2-year-old Center for Advanced Medical Learning and Simulation (CAMLS) operated by the University of South Florida.

"Our surgical teams have easy access to training, practice with simulators and continuing education, so we're extremely well-prepared," Dr. Chisholm says.

About Dr. Keith Chisholm

Dr. Keith Chisholm graduated from the University of North Carolina, Chapel Hill, Medical School and went on to residency training at the University of Florida, becoming an assistant adjunct professor and attending surgeon at the Malcolm Randall VA Medical Center in Gainesville, Fla. He's believed to have performed the first laparoscopic colon resection in the UF surgical department. From laparoscopy to robotics-assisted surgery was a natural advance for Chisholm, who has a private practice in Trinity, Fla., and is among the robotics-certified surgeons with privileges at Florida Hospital North Pinellas, (www.fhnorthpinellas.com).