GENERATIONS For a vibrant, ageless lifestyle
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September 2020
2
Generations
September 2020
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Generations 3
September 2020
Experts urge patience, flexibility when managing finances during COVID-19 Upcoming election, taxes also a factor in investor concerns By Erik Kaufman Mitchell Republic Experts are recommending patience and a longterm vision to help investors make decisions in a world of unpredictable markets and an uncertain economy in 2020. In addition to killing thousands around the globe, COVID-19 has produced a number of side effects, including heavily impacting the economy at the state, national and global level as businesses struggle with reduced business traffic, forced closures and many workers standing in the unemployment line. It is a situation that can heavily impact family life, and household leaders planning for their financial future can find the situation overwhelming as markets remain volatile and future employment options appear to be in question. Jay Tolsma, with ELO CPAs & Advisors of Mitchell, said people are looking closely at how to best manage their finances in these times, which he calls very uncertain. “I think for the most part everyone is very, very cautious,” said Tolsma, who serves as senior partner at the firm. He said COVID-19 has changed the way some clients look at their portfolio, but the upcoming election also has some wondering about how the upcoming presidential election will affect their taxes. “What I hear from people overall, to some degree, is tax preparation and planning, and what is that going to mean for the tax situation. Should we do something now in anticipation?” Tolsma said. Tolsma said that is one of many angles investors are looking at as they continue
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to manage their finances. But he said in most cases, it is important to remember that investing is a game that is best played when looking at the long term. With the level of uncertainty at a high, people may feel inclined to move their investments around and make adjustments to every market move. COVID-19 was a factor in the steep decline of the stock market in February, when the three major indexes all saw their largest one-week declines since 2008. Those indexes have recovered as of August to some extent on factors such as emerging hope for a COVID-19 vaccine, but the extreme up-and-down nature of the markets still has many investors on edge. There is no one-size-fitsall solution with managing
money, even in the best of times, and Tolsma said elections always add a level of curiosity with investments. Planning ahead with your business plan and income can help clarify some of those decisions. “I would say in short, there is no magic bullet. But what I try to tell (my clients), in terms of this year, is that it was a very unusual year with the impact of COVID-19 and the upcoming election,” Tolsma said. “(The election) is nothing new. We have changes in administrations and tax laws change, so you really have to take a longterm approach and focus on your business and a plan.” Jacquelyn Johnson, a financial planner with Dice Financial in Mitchell, agreed that long-term planning is essen-
tial, as is saving wisely. “We are in unpredictable times, and that can cause concern for investors in some situations,” Johnson said in an email to the Mitchell Republic. “Most people, though, understand that if you wait for the perfect time to get into the market, you’ll be waiting forever. It’s important for long-term investors to save, regardless of the headlines.” The instability of the business sector is affecting how many approach their planning, Tolsma said. While many sectors of the economy have taken a hard hit over the last several months, agriculture for the most part has soldiered on. While it has suffered from fluctuations in commodity prices and in product demand due to
COVID-19, producers appear to be relatively optimistic after a rough 2019 season saw flooding wipe out many fields. “The agriculture side is probably cautiously optimistic, though there are a lot of concerns about prices and things like that,” Tolsma said. Tolsma said some economic sectors are hoping for a rebound after suffering a hard hit early in 2020, which could also affect how investors look to proceed. “There are other industries that have done really well. Small contractors — with everyone hunkered down they are doing some home improvement projects,” Tolsma said. “Certain sectors obviously have been hit harder by COVID-19, and that’s going to be a lot of hospitality sector businesses, bars and motels up here. That’s a big concern. They missed their best time of the year in spring and summer. I’m sure they’re hoping for a positive hunting season to provide a little bit of help.” Tolsma said those in business should review their business model and be prepared to make adjustments, when appropriate, as conditions change. Planning wisely for the future means maintaining flexibility while keeping an eye on the matters further down the road, he said. “Making sure your business model is solid and looking at those kinds of things. It’s not any one specific thing,” Tolsma said. “The advice I give everybody is to make sure your balance sheet is strong and not overly leveraged and to have that flexibility to (take advantage of opportunities). Be ready to take advantage of that.”
Generations
4
September 2020
Improve crosswordsolving skills Crossword puzzles are an integral component of newspapers. In addition to their entertainment quality, crossword puzzles can help improve cognition and brain health in individuals of all ages. The first known crossword puzzle to be published was created by a British journalist named Arthur Wynne, who is often credited as the inventor of crosswords. The first puzzle appeared in the New York World on December 21, 1913. The original crossword was diamond-shaped and did not feature the familiar black squares. Throughout the 1920s, crossword puzzles became a standard offering in many newspapers. During this period, puzzle shapes evolved to the more familiar form, and certain puzzle standards were established. Puzzles now appearing in most North American newspapers and magazines feature solid areas of white squares. Each letter is usually part of both
an “across” word and a “down” word, and usually each answer must contain at least three letters. In these puzzles, shaded squares are typically limited to about onesixth of the total. It is estimated that around 50 million people in America routinely partake in crossword puzzles. Each year, one best-of-thebest is crowned in the American Crossword Puzzle Tournament. Everyone wants to improve his or her crossword-puzzling skills. These tips can help. ► Practice — a lot. Practice makes perfect, even with crossword puzzles. Start with simple puzzles and work up to the more difficult ones. ► Divide and conquer. Divide the puzzle into smaller sections and complete each cluster before moving on. It’s easier than completing all of the across or down clues. ► Watch “Jeopardy.” Puzzles used to be comprised largely of
Tips for living with low vision
definitions, but they now incorporate just about every subject. Improving general knowledge and perhaps watching trivia shows can help with puzzle completion. ► Learn repeat offenders. Over time you may recognize certain words appear in puzzle after puzzle. You’ll soon be able to match the clues to these repeat words. ► Familiarize yourself with multiple word meanings. Remember to think like a puzzle creator, who is probably trying to stump you. The word “flower” may not imply the blooming plant. It may represent something that “flows.” ► Take a break. Taking a few moments to step away from the puzzle before returning to it can clear the mind and make answers more apparent. Crossword puzzles are a popular component of daily and weekly newspapers. They’re fun to fill out and boast a rich history.
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Visual impairment affects people of all ages and all walks of life. The American Foundation for the Blind defines visual impairment, often referred to as “low vision,” as any vision problem that is severe enough to affect an individual’s ability to carry out the tasks of everyday living. Millions of people have some degree of visual impairment that requires corrective lenses, and some still struggle even while wearing glasses or contact lenses. People with low vision can experience difficulty performing daily activities, such as cooking, shopping, reading, watching television, and more. Some practical solutions can help people address changes in their vision. ► Use more light. After about age 60, many people require additional light to perform most indoor tasks as well as outdoor activities. After age 60, the pupil no longer opens as widely as it once did, which affects the amount of light that reaches the retina, where vision processing occurs. Brighten areas of the kitchen, garage, crafting table, and other areas where fine details are examined. ► Rely on darker contrasts. Contrasting colors can make it easier to see edges and lines of demarcation. For example, use a dark
LOW VISION: Page 5
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Generations 5
September 2020
Ridesharing keeps seniors on the move Losing the ability to drive and get around is one of the most challenging aspects of growing older for seniors. This loss of independence can result in loneliness, depression and isolation. Often seniors have to rely on family to take them places, leaving them at the mercy of a friend or relative’s schedule. Ridesharing services such as Uber, Lyft, Sidecar, and many others can fill the transportation void for older adults and help them regain their lost independence. Many traditional paratransit services (door-to-door transit, often limited to those over 65 and disabled) may be less convenient than ridesharing services, and it may be challenging to find a company that services rural areas. Plus, reservations may need to be made a
day in advance, with limited dropoff locations available. That makes it hard for seniors to make spontaneous plans, again taking away some of their independence. But flexible ridesharing services may provide the flexibility seniors are hoping for. Connecting with ridesharing services requires only a cursory education in mobile technology. According to a recent report from the Consumer Electronics Association, 46 percent of senior households have smartphones and 40 percent have tablets. Many seniors are becoming more tech-savvy, meaning they have the wherewithal to navigate apps and websites that can connect them with a ride. And if they aren’t, a quick primer from a young friend or relative can
LOW VISION
ent shapes can help set items apart when reading containers From Page 4 or boxes becomes challenging. ► Use filters and shields. tablecloth and white dishes Certain devices, such as lens to see table settings and food filters and shields, can reduce glare and improve vision. more clearly. ► Label items. Bold-col- Individuals also can invest in ored labels or those of differ- shields for their computers or
stoke their confidence. Before engaging a ridesharing service, seniors should familiarize themselves with how such services work and take steps to ensure their safety. ► Many ridesharing services
are linked directly to a credit card account. Passengers should not have to pay in cash. If the driver requests it, this should raise a red flag. Report the driver to the service. ► Confirm that the driver matches
the profile and the vehicle that was indicated on the ride app. Never get
in the car unless there is verification. ► Ask for an estimate regarding the
cost of the trip and if those costs can increase considerably during the ride.
Budget-conscious seniors should avoid services whose rates can fluc-
tablet screens to reduce glare. ► Choose ‘large print’ formats. At local booksellers, seek books that are available in large print. This makes it easier to enjoy reading. ► Switch bulbs at home. The eye care resource All About Vision suggests swapping
Not everything you see on the outside is a true picture of the inside. A Doctor of Audiology tests for more than just hearing loss. We look at the whole picture of your health, not just the surface hearing loss. Remember don’t compare your inside to someone else’s outside.
tuate dramatically after riders get in the vehicle. ► Look into Uber ASSIST as another option. Seniors who require a little help to get in and out of the car or those who need wheelchairs or other devices can choose the Uber ASSIST option on their apps. This ensures their driver will be specially trained and is capable of helping with the transfer. New senior ridesharing services, such as Lift Hero in California, are now hitting the market as well. Ridesharing services are changing the way people get around. While ridesharing might have been designed with millennials in mind, it has become the new go-to for seniors who are not ready to give up their independence.
fluorescent and incandescent light bulbs with warmtoned LED bulbs. These bulbs emit less blue light and can be more comforting with reduced glare. ► Invest in adaptive devices. Large-button phones with speed dial, large-print calen-
— Source: Metro Creative
dars, watches that speak the time, and digital home assistant devices also can help men and women overcome vision loss. Low vision impacts daily living, but there are ways to counter the effects of impaired vision.
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Generations
6
September 2020
NATURAL SOLUTIONS FOR GOING GRAY WITH
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Gray hair is a natural side effect of aging. The rate at which hair will turn to gray differs based on genetics and other factors. Some people may go gray seemingly overnight, while others may gray at the temples first before the rest of their hair gradually changes color. Aging women often wonder if they should cover up their gray hair or embrace the silver. Going gray is no longer something that has women running to their stylists at the sight of the first gray strand. Some actually opt for silver even before their own gray sets in. According to a 2017 survey of hair trends by L’Oreal Professional, 28 percent of women embraced or considered opting for silver hair. The trend has continued to gain steam. Celebrities like Jamie Lee Curtis and Helen Mirren were some of the first to embrace their grays. Younger celebrities like Kendall Jenner, Pink and Lady Gaga have opted for silver tresses to make a statement. But there are still many women who prefer to transition gradually or avoid the harsh chemicals in
some hair products. The National Cancer Institute states that more than 5,000 different chemicals are used in hair dye products, some of which are reported to be carcinogenic in animals. There are many natural ingredients that can add tint to hair to make gray less visible. Coffee, for example, can cover grays and add dimension to dark tresses. Chamomile tea is recommended for blonds to add natural highlights and perhaps camouflage their grays. Calendula, marigold, rosehips, and hibiscus can deepen red shades or add some subtle red highlights. Henna also is a popular natural method to add a red-orange color to hair. Creating highlights to offset gray hair can work as well. Spraying lemon juice on hair and sitting in the sun can produce lightening effects. Many women are seeking natural options to look their best. Embracing grays or creating subtle tints with natural ingredients can help women feel confident and beautiful. — Source: Metro Creative
Generations 7
September 2020
8 TIPS
for senior travelers
Few demographics have the free time and the financial capacity to travel as much as retirees. Now that children have flown the coop and retirement papers have been filed, the world is many seniors’ oyster. According to a 2017 survey from AARP, travel is a top goal for more than 80 percent of Baby Boomers. Children may find that encouraging their aging parents to travel can promote more independence and help them live fulfilling lives in retirement. These tips can make travel easier for any senior ready to see the world.
1
Seek the most direct route. Traveling may
be a bit easier to endure when the route is as short and direct as possible. It may cost a little more to book nonstop flights or travel during peak hours, but that investment may be worth it.
2
Choose senior-friendly travel services.
Working with a trusted travel advisor is often easier than booking your travel yourself. Travel agents often have inside information and may be privy to perks and discounts. Plus they can streamline the process, ensuring all you need to do is go along for the fun.
3
Senior discounts are waning. Most airlines
have done away with senior discounts. In 2013, the price comparison resource Fare Compare looked at senior discounts of various airlines and found most of them were unreliable.
4
Inquire about accessibility. If mobility is an
issue or if there are any disabilities, contact your carrier and hotel or tour company and be sure that there will be accessibility arrangements, such as wheelchair access or ground-level accommodations.
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Pack light. Don’t get bogged down by excess luggage. Pack only what you need, including medications, in a carry-on bag.
5
Consider a cruise. Cruises combine food, entertainment and comfortable rooms in one convenient package.
6 7
Manage medications. If prescription medications are needed, be sure to consult with the doctor and pharmacy about getting a supply that will last the course of the trip.
8
Bring along a companion. You may feel more
comfortable bringing along one of your children, another young relative or a close friend, especially if you are traveling internationally. This extra person can help navigate and ensure all your needs are met. — Source: Metro Creative
Generations
8
September 2020
Amazing benefits to seniors having pets Pets bring much joy to the lives they touch. So it should come as no surprise that the 2019-2020 National Pet Owners Survey, which was conducted by the American Pet Products Association, found that about 85 million families in the United States own a pet. In Canada, 7.5 million households are home to companion animals, states the PetBacker blog. Pets offer companionship and unconditional love. While they are fitting for any family, seniors may find that having a pet is especially beneficial. The organization A Place for Mom, which helps match families with senior living residences, says pets provide a comfort system that produces measurable health results. Caring for pets and being around them can produce a chemical chain reaction in the brain that may help to lower stress hormones while also increasing production of the feelgood hormone serotonin. This is not the only health benefit pets may provide. A recent study from the Mayo Clinic, which looked at 1,800 people between the ages of 25 and 64 who had healthy hearts, found
that almost half owned a dog. Having a dog was likely to spur heart-healthy behaviors, like exercising with the pet, eating well and having ideal blood sugar levels. Pets also provide emotional support and companionship that can help seniors — including those who may be divorced or widowed — feel more secure and happy. The National Poll on Healthy Aging found that, among respondents who had pets, 88 percent said their pets helped them enjoy life,
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and 86 percent said their pets made them feel loved. Seniors considering getting a pet can explore the many benefits to doing so. ► Reduce pain: A 2012 study published in Pain Magazine found therapy dogs provided “significant reduction in pain and emotional distress for chronic pain patients.” ► Feeling of purpose: Caring for an animal not only stimulates physical activity, but it also can give seniors
a reason to get up and go, which equates to a feeling of purpose. ► Altered focus: Having a pet can help seniors focus on something other than physical or mental health issues and preoccupations about loss or aging, according to New York-based psychologist Penny B. Donnenfeld. ► Increased physical activity: Pets require care, and that interaction can get seniors moving more than if they didn’t have a pet. ► Improved health: Ongoing research from Harvard Medical School has found dog owners have lower blood pressure, healthier cholesterol levels and lower risk of heart disease than those who don’t own a dog. ► Stick to routine: Caring for pets helps seniors maintain a routine. Having structure after retirement can be important to ward off risk of depression. Staying on top of feeding, grooming and other pet needs also can help prevent cognitive decline. Pets bring many benefits to their owners’ lives, and they may be the perfect remedy for seniors looking for a friend and purpose. — Source: Metro Creative
September 2020
Generations 9
5 ways to protect hearing every day
The saying “you don’t know what you’ve got ’til it’s gone” is never more true than in regard to hearing. It’s easy to take hearing for granted, but even momentary hearing loss can highlight how vital it is to protect hearing. People rely on headphones or earbuds to listen to music, stream movies or participate in work-related meetings more than ever before. Having the volume too loud can contribute to hearing loss over time. The Centers for Disease Control and Prevention says five in 10 young people listen to their music or other audio too loudly. Overall, 48 million people in the United States have trouble hearing in one or both of their ears. Johns Hopkins Medical Center reports approximately 15 percent of adults 18 years of age or older report some trouble hearing, and the risk of hearing problems increases with age. Once it’s gone, hearing cannot be restored in many cases. To protect hearing and guard against future hearing loss, consider these recommendations.
phones. This suggestion is to listen with the headphones at no more than 60 percent volume for no more than 60 minutes a day. Earbuds fit directly next to the eardrum and can be harmful to your hearing. If possible, choose over-the-ear headphones instead. 4. Have custom molds made. Rather than turning up the volume, people can have custom ear molds made for use with earphones, suggests Johns Hopkins. The to an audiologist. This can set the custom ear molds will block outside noise, course for monitoring progression of allowing for higher quality listening. any future hearing loss. 2. Wear hearing protection. There are various types of hearing protection that can filter out certain levels of sound. Many earplugs, like the ones musicians wear or those worn when attending rock concerts, can reduce the sound by approximately 25 dB. Custom fit ear plugs provide more noise reduction, in upwards of 35 to 40 dB. They are optimal for highnoise environments, such as when mowing lawns or operating machin1. Ask for a baseline hearing test. ery, according to the hearing loss It’s easier to measure hearing loss if resource Hearts for Hearing. there is a baseline by which it can be 3. Turn down the volume. Experts measured. During your annual physi- recommend adhering to the 60/60 rule cal, ask for a hearing test or a referral when enjoying audio through head-
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5. Keep your ears dry. Moisture in the ear can cause bacteria to grow and potentially lead to infections. Towel-dry ears gently after showering or swimming. Avoid the temptation to use cotton swabs to dry the ears. For the most part, ears are self-cleaning, and using a cotton swab can push wax and cause it to become compacted in the ear canal. In addition to these tips, discussing hearing health with a doctor is a wise idea. — Source: Metro Creative
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Did you know that foot health is a vital aspect of your body’s overall well-being? Everything starts from the ground up and your body is no exception. One of our goals is to help folks solve problems before they even arise, and a simple method that’s often you know footpair health is a vitalShockingly, aspect of your body’s overall well-being? overlooked isDid choosing thethat right of shoes. some people spend Everything starts from the upthat, and of your body is no exception. One of in ourthe goals is thousands dollars onfoot shoes only realize after five or sixoverall pairs, their still Did youofknow that health istoaground vital aspect your body’s well-being? to help folks solve problems before arise,you a simple often same pain. However, if you pick the right pairthey the even first time can savemethod money andgoals Everything starts from the ground up and your body is noand exception. One of that’s our is overlooked is choosing the right pair of shoes. Shockingly, some people spend eventomonths of discomfort. Better still is that having a proactive mindset when it comes help folks solve problems before they even arise, and a simple method that’s often thousands of dollars on shoes only to realize that, after five or six pairs, their still in the to keeping your healthythe canright keeppick youofthe upright and active far into the future. It’s no overlooked isfeet choosing shoes. Shockingly, some people spend same pain. However, if youpair right pair the first time you can save money and surprise, were all dollars living longer these days means our five feet willsixsee more miles thousands of on shoes only to which realize that, or pairs, their stillthan the even months of discomfort. Better still is that after having a proactive mindset when itincomes ever.same pain. However, if you thecan right pair first time you can savethe money to keeping your feet pick healthy keep youthe upright and active far into future.and It’s no even months of discomfort. Better is that a proactive mindset it comes surprise, were all living longerstill these dayshaving which means our feet will seewhen more miles than ever. to keeping your feet healthy can keep you upright and active far into the future. It’s no Proper Shoe Fitting surprise, were all living longer these days which means our feet will see more miles than The right shoe is determined by your foot shape and measurement. Even if a shoe feels good for a few ever. Have yourProper feet measured in the store Shoe Fitting moments in the store, it will ultimately fail to ease pain if it’s not built for your foot type. A lot of folks The shoe is determined footsized shape and they measurement. Even if a shoe for aasfew toright learn they don’t wear by theyour same shoe did in high school. Ourfeels feetgood change we age. Your foot measurement is measured a combination Have your feet in the of store are surprisedmoments in the store, it will ultimately fail to ease pain if it’s not built for your foot type. A lot of folks Below are some key points to check out the next time you are shopping for the perfect fit shoe. If you need help Proper Shoe Fitting are surprised to learn they don’t wear the same sized shoe they did in high school. Our feet change as we age. YourDepth, foot measurement a combinationwith ofThe three variables: width, andislength thisright beBelow sure out Fit by Myyour Feetfoot Orthotics & Shoes. We are theEven footfor and the Iftime to get to shoeto ischeck determined shape and measurement. ifexperts athe shoe feelstake a few are some key points to check out the next time you are shopping perfect fitgood shoe.for you need help Have your feet measured in the store three of variables: your feet so you are properly fit. in the store, it will ultimately fail to ease pain if it’s not built for your foot type. A lot of folks There are 3 types shoes Depth, width, and lengthknowmoments with this be sure to check out Fit My Feet Orthotics & Shoes. We are the foot experts and take the time to get to are surprised to learn wear the Neutral, Your foot is of a Control combination of know your feet they so youdon’t are properly fit.same sized shoe they did in high school. Our feet change as we age. measurement There and are 3Motion types shoes Stability, Below are some key points to check out the next time you are shopping for the perfect fit shoe. If you need help three variables: Depth, width, and length Neutral, Stability, and Motion Control with this be sure to check out Fit My Feet Orthotics & Shoes. We are the foot experts and take the time to get to Lacing Techniques may help with better fit Lacing Techniques may help with better fit know your feet so you are properly fit. There are 3 types of shoes
Most of us have one foot that is larger than the Most of us have one foot that is larger than the Neutral, and Motion Control other, so fitStability, your shoe to your larger foot. other, so fit your shoe to your larger Lacing Techniques may help with better fit foot. What typeofWhat archtype do you have of arch do you have Normal, Most of us have one foot that is larger than the High or Flat Foot Normal, High or Flat Foot other, sofitting fit your shoe tomake yoursure larger foot.is enough space During the process, there During the fitting process, make sure there is enough space What type(3/8" of dolongest you have (3/8" to 1/2") forarch your toelongest at thetoe endatof when are standing up. up. to 1/2") for your theeach end shoe of each shoeyou when you are standing Normal, High or Flat Foot
Generations
10
September 2020
Healthy eating options for seniors “Let food be thy medicine” is a quote attributed to Hippocrates, the ancient scholar considered to be the father of modern medicine. The saying relates to the notion that what people put in their bodies can heal and/or prevent certain conditions. For seniors with medicine cabinets full of overthe-counter and prescription medications, the idea of relying predominantly on food to promote optimal health may be tempting, and various foods can be particularly useful to the 50-and-over demographic. According to the World Health Organization, poor diet is a major contributor to many of the diseases that affect older people. Poor diet has been connected to the development of diabetes, and degenerative diseases such as osteoporosis also may be linked to the foods one eats. The National Council
for Aging Care says micronutrient deficiency is often a problem among the aging due to factors like lack of variety in diet and reduced food intake. Eating a variety of foods can provide all of the nutrients people need to stay healthy as they get older. Certain foods may be particularly helpful. ► Brain-friendly foods: Foods such as avocado, leafy vegetables, sunflower seeds, blueberries, and salmon are
good sources of vitamin E, antioxidants, omega-3 fatty acids, and other nutrients that may help ward off dementias like Alzheimer’s disease, advises Sonas Home Health Care. Anti-inflammatory ► foods: Foods rich in omega3 fatty acids may help prevent inflammation that can cause cancer and rheumatoid arthritis. Aging.com says foods that are high in omega3 fatty acids, like salmon,
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should be consumed at least twice per week. ► Fruits and vegetables: Fresh, canned or frozen produce tend to be high in micronutrients, including a variety of important vitamins that are essential for all components of health. The Academy of Nutrition and Dietetics advises eating dark green vegetables, such as leafy greens or broccoli, and orange vegetables, such as carrots and sweet potatoes. ► Energy-boosters: Choose whole grains that can provide sustained energy by way of healthy carbohydrates over processed grains. ► Bone-friendly foods: Calcium-rich foods, such as milk, yogurt and cheese, can prevent calcium from being leached from the bones, which contributes to conditions like osteoporosis. ► Digestive system-friendly foods: The digestive system slows down as the body
— Source: Metro Creative
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ages, as the walls of the gastrointestinal tract thicken and digestive contractions that push waste along may slow down and become fewer. Foods rich in fiber can promote proper digestion by moving food through the digestive tract more easily. High-fiber foods also may help naturally reduce blood cholesterol levels. ► High-iron foods: Without enough iron in the body, a person may feel tired and lethargic from a reduced production of hemoglobin, which carries oxygen in the blood from the lungs to the rest of the body. A lack of oxygen in body tissues from anemia can be serious, says the National Council for Aging Care. Tofu, spinach, lentils, pumpkin seeds, and fortified breads and cereals are high in iron. Smart food choices can help seniors live long and healthy lives.
You’ve worked hard all your life. We can help you preserve what you’ve worked hard to accumulate, assure that your assets are distributed as you intend and protect your loved ones from excessive taxes and emotional distress. Contact Rich Platt today for a free, no-obligation consultation.
By Phone
(605) 995-4664 1-800-671-0053
Rich Platt, CTFA
In Person
1920 N. Sanborn Blvd. in Mitchell
Online
www.bankwest-sd.bank
Generations 11
September 2020
Five ways to leave a
lasting legacy
It is customary for people to take inventory of their lives as they grow older, wondering about their impact on the world and the people closest to them. A legacy is often the story of one’s life and the things he or she did through the years. The good thing about a legacy is it is never too early to begin planning. The following are some guidelines that can help people establish lasting legacies. ► Keep track of your story. Grab a journal and start jotting down events that occur in your life. Mention particular achievements or notable things that occur from day to day. Pepper these accounts with stories of your family and childhood to start establishing an autobiography of sorts. ► Consider your daily actions. Even though people may imagine it is the grand gestures that are remembered
most, quite often itÕs the simplest acts that make the most impact. Think about the way you treat others each and every day. Smile at people, compliment others and offer positive advice when it is sought. ► Research investments that are profitable. If the goal is to make money to leave for future generations, investigate your options. These include assets that can retain their value. According to NewRetirement. com and Stepping Stone Financial, Inc., vacation homes mean a lot to families and they also can be a source of future revenue should they be rented or sold. Speaking with a financial advisor also can be a sound way to invest the right way to accumulate assets that can be passed down as a legacy. ► Name children or other relatives
IRAs, distributions are tax-free as long as the person who set up the IRA met the five-year holding period for contributions and conversions. Beneficiaries can have five years to take out money from the account; otherwise, they can convert the plan to an Inherited IRA, which stretches out distributions over their life expectancy, according to Investopedia, an online financial resource. ► Write a legacy letter. A legaas beneficiaries on Individual Retirement Accounts (IRAs). With Roth cy letter is a way to speak direct-
ly to loved ones and say all those things that you had wished you told them earlier but maybe didn’t find the words or perhaps never had the time, according to Forbes. The letter ensures others know just how much joy they brought to your life and the pride you had in knowing them. Leaving a legacy is something people start to think about as they grow older, but it’s easy to start planning a legacy regardless of your age. — Source: Metro Creative
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South Dakota
Your Vote. Your Voice. Our Fight. As our nation battles a pandemic and economic downturn, the health and financial security of voters over 50 are on the line. That’s why AARP South Dakota is fighting for your voice to be heard.
AARP South Dakota wants to make sure that you know all of your voting options and that all Americans—from working parents to family caregivers to seniors in nursing homes—can vote safely whether they choose to vote from home or in-person. For more information on how you can vote safely and make your voice heard, visit aarp.org/SDVotes facebook.com/AARPSouthDakoa | @AARPSD | aarp.org/SD
Generations
12
Now, staying home isn’t just staying in the place they love. It’s staying safe. It’s essential.
If your loved one is vulnerable and needs in-home care, we’re here to help. Call us today.
605.996.0503
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September 2020