"I have trouble chewing."
"Food just doesn't taste the same anymore."
"I don't have a car to go shopping."
"It's hard to cook for one person."
"I'm just not that hungry anymore."

As retirement approaches, it is important for every household to assess its financial identity (assess its finances). Waiting too long might mean missing one or more opportunities to preserve maximum financial independence in the future. To help get you started, can you say 'Yes' to the following statements?

Many older people have trouble eating well for a variety of reasons. Reading food labels for nutritional information is one way to eat well. But sometimes there are problems that interfere with eating well.

Are you one of the many seniors out there who knows you should be exercising, but you aren’t sure where to begin? Do the tools of fitness -- exercise bikes, nautilus machines, treadmills, exercise balls and free weights -- intimidate you? Or maybe you find exercise boring? If any of the above apply to you, you are not alone. Although many older people are well aware of the importance of physical fitness, 85% of seniors do not exercise on a regular basis. Many older people don't exercise for the same reason that people of all ages resist physical activity – they think of it as too hard, too boring or they are disappointed by the lack of immediate results.

"After walking on a treadmill at the local community center, I knew I'd be happier outside. So, I got a step counter and started walking in my neighborhood. Since then, I've seen yellow tulips bloom in spring and red dogwood leaves drop in fall. I always come home with more energy and happy to go on with the rest of the day." Marian (age 77)

Everyone feels blue now and then. It's part of life. But, if you no longer enjoy activities that you usually like, you may have a more serious problem. Being depressed, without letup, can change the way you think and feel. Doctors call this "clinical depression."

Lucy is worried. She's lived in the same neighborhood for 50 years, but things seem to be changing. Last week, her friend Rose was walking to the store when a young man ran by and pulled her purse right off her shoulder. Two weeks ago, Joe, the man upstairs, put his grocery bags on the curb while waiting for the bus, and before he knew it, someone had picked up his bags and run off. Lucy feels sad to think she might have to move. She wonders, is anywhere safe for older people anymore?

Anyone at any age can have a drinking problem. Great Uncle George may have always liked his liquor, so his family may not see that his drinking behavior is getting worse as he gets older. Grandma Betty was a teetotaler all her life-she started having a drink each night to help her get to sleep after her husband died. Now no one realizes that she needs a couple of drinks to get through each day.

Are you holding the newspaper farther away from your eyes than you used to? Join the crowd -- age can bring changes that affect your eyesight. Some changes are more serious than others, but no matter what the problem, there are things you can do to protect your vision. The key is to have regular eye exams so you can find problems early.

Since he retired, Edward dreads going to bed at night. He's afraid that when he turns off his light he will just lie there with his eyes open and his mind racing. "How can I break this cycle?" he asks. "I'm so tired-I need to get some sleep."
Just like Edward, you want a good night's rest. Getting enough sleep helps you stay healthy and alert. But many older people don't sleep well. If you're always sleepy, it may be time to see a doctor. You shouldn't wake up every day feeling tired.