myfenton.com FAB OVER 50 Sunday, October 21, 2018 fab5050 · myfenton.com FAB OVER 50 Sunday,...

12
50 over fab Sunday, October 21, 2018 Tri-County Times Featured Section BREAKING your bad habits PG 3 PG 2 Restless legs syndrome Causes and prevention Be ready for anything + Health insurance + Will or trust + Funeral expenses + Life insurance PG 6 Saving for retirement | PG 8

Transcript of myfenton.com FAB OVER 50 Sunday, October 21, 2018 fab5050 · myfenton.com FAB OVER 50 Sunday,...

Page 1: myfenton.com FAB OVER 50 Sunday, October 21, 2018 fab5050 · myfenton.com FAB OVER 50 Sunday, October 21, 2018 3 By Sally Rummel ... Why are habits so hard to break? Psychology Today

myfenton.com Sunday, October 21, 2018 1FAB OVER 50

505050overoverfabSunday, October 21, 2018 Tri-County Times Featured Section

BREAKINGyour bad habits

PG 3 PG 2

Restless legs syndrome

Causes and prevention

Be ready for anything+ Health insurance

+ Will or trust+ Funeral expenses

+ Life insurancePG 6

Saving for retirement | PG 8

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2 Sunday, October 21, 2018 myfenton.comFAB OVER 50

Here's how to find out where to draw the line between true friendships and acquaintancesBy Sally Rummel

Sometimes, the “ship” has sailed and it’s time to let go.

We’re talking about the “obligationship,” that relationship we no longer feel like putting energy into, but can’t seem to cut off, either.

Maybe it’s a friendship that’s gone sour after a hurtful argument but you keep getting together for coffee because you’ve been doing it for ages. Or it could be a benign friendship that’s just not going anywhere.

The thing about “obli-gationships” is that they take your time and energy away from the people you’d call your A-list friendships. These are the friends you’ve cultivated over a lifetime of shared experiences, or just “click with,” without obligatory get-

Are you in an 'obligationship?'

togethers. These relationships are deeper than

just an occasional cup of coffee or a few quick likes or comments on Facebook. The best part about these kinds of friends is that you pick up right where you left off, without missing a beat.

With everyone’s time at a premium, it’s hard enough to main-tain the strong bonds you have with your significant other, your children, and your clos-est, dearest friends. Why add on another layer of “obligationships” that have no deeper meaning for you? At some point in your life, you’ll have to make decisions based on qual-ity, not quantity. One rule of thumb from Askdrnandi.com is: If you no longer get a warm, fuzzy feeling when thinking of a per-

son you have some sort of “ship” with, chances are that it’s time to cut the anchor and sail away …

Source: Askdrnandi.com

‘‘ If you no longer get a warm, fuzzy

feeling when thinking of a

person you have some sort of ‘ship’ with, chances are that it’s time to cut the anchor

and sail away . . .’’Karin KatzQuoted from Ask Dr. Nandi

Restless legs syndrome might be the cause of your symptoms

By Sally Rummel We’ve all heard the commercials on TV for restless legs syndrome (RLS), but who really knows what it is? Restless legs syndrome is a disorder of the part of the nervous system that causes an urge to move the legs, according to WebMD. Because it usually interferes with sleep, it is also considered a sleep disorder. How do you know if you have RLS? People with this condition have uncom-fortable sensations in their legs and an

See RESTLESS on 6

Feel like you’re on ‘pins and needles?’

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myfenton.com Sunday, October 21, 2018 3FAB OVER 50

By Sally RummelYour home medicine cabinet can

bring devastating drug use into your own home. Your prescription medicines can be as easy to access as opening a pill container and trying a drug, perhaps for the first time.

Prescription drugs are the second most commonly abused category of drugs other than alcohol, behind marijuana and ahead of cocaine, heroin, meth-amphetamine and other drugs, according to Stop-prescriptionabuse.com.

Many of these drugs are as dangerous as heroin and can be used by fam-ily members or friends who have access to your bathroom medicine cabi-net or drawers or kitchen cabinet. It can happen right in your own home and you don’t even know it.

In 2015, prescription opioids, drugs

Your medicine cabinet could open the door to drug abuse

like OxyContin, Vicodin, methadone and fentanyl, were involved in 45 percent of the drug poisoning deaths in Michigan, according to a recent article in the Detroit Free Press. About 20 percent of deaths involved heroin, an illegally made opi-oid, without the presence of prescription opioids.

Many of these prescription drugs can be found in most homes and there is also a

street trade for these drugs. Proper disposal of un-used, expired or unwanted prescription drugs is a key weapon in the fight against their misuse. It’s important for them to be disposed of in a way that is both responsible and environmentally sound. If you have a medi-cine cabinet that needs to be cleaned out, you

can take prescription pills to the Fenton City Police Department where there is

See DRUG ABUSE on 7

‘‘ People come in daily (to

safely dispose of prescription

medications).’’Samantha SturgisFenton Police Department

dispatch supervisor

Photo: signaturehardware.com

Family or friends with

access to your bathroom can easily get into

your prescription drugs

Substitute a new 'good' behavior for your old 'bad' oneBy Sally Rummel We all live our daily lives with a variety of habits. Some are mild, like dumping our dirty clothes on the floor, rather than in the hamper. Others are moderate, like eating dinner in front of the TV, and others are strong and ad-dictive, like smoking, drug use or porn. Why are habits so hard to break? Psychology Today says it is because habits are deeply wired by constant repetition into our brains. When you add the component of pleasure to them, as in drugs or porn, the pleasure centers of the mid-brain get fired up also, and continue to fire long after the habits stop. This creates the cravings that many people struggle with. Since habits are patterns of behavior, it is the breaking of patterns that is key to breaking the habits themselves. There is usually a clear trigger that

starts the pattern. Sometimes the triggers are emotion-al, as in wanting a drink or a cigarette. Other times, the trigger is situational and environmental, such as seeing and smelling a freshly baked cookie. Usu-ally it’s a combination of both, as in the case of heavy drinking, where a mix of social anxiety and a party atmosphere combine to lead you to that behavior. These patterns are usually wrapped in larger ones, which is where routines come in to run our lives. This is where you come home from work, go to the refrigerator and grab the first snack item you can, without giving it much thought. This is similar to your morn-ing habit of you and your work buddy going outside and chatting while hav-ing your mid-morning cigarette. These auto-pilot habits are good, because they keep us from having to re-invent every single decision of our day. This provides us with more brain-space to think about more important and creative things.

See HABIT on 4

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HABITContinued from Page 3

On the downside, some of these pat-terns land in the bad column of habits rather than the good.

If you have habits you want to break: here are some steps to get you started:

STEP 1 — Define the behavior you want to change or develop

Think in terms of specific, doable be-haviors. For example, rather than saying you want to exercise more, tell yourself you are going for a half-hour run five days a week.

STEP 2 — Identify the triggersWhen you know what triggers your

habitual behavior, you can push against it, rather than going ahead on autopilot.

STEP 3 — Deal with thetriggers

If your habit is to go to the refrigerator and get the beer or junk food right after work, then proactively get the junk food and beer out of the house. A new behavior would be to sit in the car and listen to calm, relaxing music instead, or do a few minutes of deep breathing to relax. This will keep you from automatically march-

ing into the danger zone of the kitchen.

STEP 4 — Develop a substitute plan

Breaking habits isn’t about stopping, but substituting. If you’re trying to stop your heavy drinking at a party, make a plan to get a “mocktail” and hang close by your good friend, rather than grab-bing a drink and being stuck in a group of strangers.

If you’re trying to break your night-time binge cycle, plan to bring two cookies up to your bedroom at 10 p.m. and resolve not to go back downstairs for the rest of the evening.

The key is to map out your new be-havior before your triggers have a chance to kick in.

STEP 5 — Change the larger pattern

Here, we are widening the context that surrounds the habit-pattern. For example, you go to the gym during your lunch break because you know going after work is too hard when you’re so tired.

If you’re trying to break the habit of eating dinner while sitting in front of the TV, then you’ll need to keep the table clear of papers and “stuff,” and set the table before you leave for work.

STEP 6 — Use promptsThese are reminders to help you break

the pattern by creating positive triggers and alerts to keep you on track. Put your run-

ning shoes at the side of your bed so you see them first thing in the morning, or put an alert on your phone to leave for the gym.

STEP 7 — Get supportFind a running buddy, a party buddy,

an online forum you can tap into when cravings start to kick in and you are struggling. Rather than stand outside your workplace smoking cigarettes, grab your friend for a quick cup of coffee together. Go to AA meetings.

STEP 8 — Support and reward yourself

Keep your eyes on the prize of better health, or better relationships, when try-ing to kick your habit. Make sure you also build in a payoff. Take the money you would have spent on cigarettes or alco-hol and save it up for something you’ve always wanted — a mini-vacation, a new outfit, etc.

STEP 9 — Be persistentand patient

It takes time for the new brain connects to kick in, for the old brain-firings to calm down and for new patterns to replace the old. Don’t beat yourself up for slip-ups or use them as a rationale for quitting. Take one day at a time.

STEP 10 — Consider professional help

If you’re still struggling, consider seek-ing professional support.

Why is the 'scruffy look' more popular than being clean shaven?

By Sally Rummel From hipsters to Hollywood stars, you’ll find facial hair on just about every guy these days, no matter what his age. “Scruffy” is in and it doesn’t appear to be going away anytime soon. “Everywhere I look, I notice how many men have beards now,” said

Colleen Andrews, a licensed barber at Headlines in Fenton. It’s a trend she sees every day at her workplace, where many men gather to trim, shave, scruff and fluff their facial hair. “It’s gotten really big,” she said. No month throughout the year em-phasizes beards and mustaches more than November. “The Movember” movement aims to increase awareness for men’s health issues like prostate and testicular cancer, by encouraging participants to grow a mustache for the

See ‘MUSTACHE’ on 8

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6 Sunday, October 21, 2018 myfenton.comFAB OVER 50

RESTLESSContinued from Page 2irresistible urge to move their legs to relieve the sensations. It can sometimes be felt in the arms or other parts of the body. RLS causes an uncomfortable, “itchy,” “pins and needles” or “creepy crawly” feeling in the legs. The sensa-tions are usually worse at rest, especially when lying down or sleeping. RLS may affect up to 10 percent of Americans. It affects both sexes, but is more common in women and may begin at any age, even in young children. Most people who are affected severely are middle-aged or older. Genes seem to play a role, as nearly half of people with RLS also have a family member with the condition. RLS is often unrecognized or misdi-agnosed, but once it is correctly diag-nosed, symptoms can often be treated successfully. There is no cure for RLS, but many times, this disorder is caused by other medical conditions, and once those are treated, it gives some relief from RLS symptoms. Some factors, including alcohol use and sleep deprivation, may trigger symptoms or make them worse.

Ten steps to

relieve symptoms of RLS

1. Avoid or limit alcohol, nicotine and caffeine at least several hours before bedtime.2. Review with your doctor all the medications you take, including prescription and non-prescription.3. Exercise every day and stretch your legs at the beginning and end of each day.4. Massage your legs regularly.5. Avoid eating a heavy meal close to bedtime.6. Maintain a regular sleep schedule.7. Avoid daytime naps.8. Use your bed only for sleeping or sex. No worrying allowed.9. Have your blood tested for iron levels and kidney function.10. Soak your legs in warm water.

By Sally RummelBenjamin Franklin’s quote that “ …

nothing in this world can be said to be certain except death and taxes” is as true today as it was during Franklin’s lifetime, from 1706 to 1790.

Yes, we’re all going to die at some point, but you may find you can live your life more fully if you get everything in order. That way, you don’t over-worry or over-think about what will happen to your family when you’re no longer with them.

Prepare your willYour last will and testa-

ment is a document that designates what happens with your property, guardianship of your children and names the executor of your estate.

See PREPARED on 10

By Sally Rummel

We’re all going to die someday, so …

Yes, we’re all going to die at some point, but you may find you can

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myfenton.com Sunday, October 21, 2018 7FAB OVER 50

What college is like

50 YEARS APART

Bev TippettGraduated in 1968

Colin HodgkinGraduating in 2019

wasn’t unusual to be married at that age. Most of my friends got married young.

I did join a square dance club at Flint Junior College. I was tak-ing badminton in gym class and square dancing looked like a lot more fun. We still get together every spring and fall. Hodgkin: I try to give myself as much downtime as possible. I watch criti-cally acclaimed movies. I find ways to create some-thing fun with my friends, like short videos or writing a show. I also enjoy play-ing banjo or piano. Trying to teach myself something

new is also a great pastime. See COLLEGE on 9

Grandmother and grandson share college experience from 1968 to 2018

By Sally RummelBev Tippett, 74, and her grandson,

Colin Hodgkin, 21, both of Fenton, are several generations apart — she is a Baby Boomer (born between 1944 and 1964) and he is a member of Generation Z (born between 1995 and 2015).

Tippett graduated from University of Michigan-Flint in 1968 and Hodgkin will graduate in May 2019 from Wright State University in Dayton, Ohio with a bachelor of fine arts degree in acting. His major is musical theatre.

How did you decide where you wanted to go to college?

Tippett: I stayed close to home and lived at home while I attended schools that were close by. I gradu-ated from Flint Southwest-ern High School in ’62.

I started out at Flint Junior College, and then transferred to U of M-Flint to finish my teaching de-gree. I wanted to teach high school, but the college wouldn’t let me in the high school teacher’s program because I was ‘too small’ to teach high school students. I was really tiny back then. I really didn’t want to teach elementary school and only did that for two years, then quit to stay home and raise my family.

Hodgkin: When it comes to going to school for theatre,

you don’t really get to just show off your grades and test scores and get accepted into the school. I had to audition in front of the faculty and they decide if you fit the parameters of their school. I auditioned for many schools, and end-ed up picking Wright State because it was the best fit for me. It had an amazing program and incredible op-portunities.

What w as y our big -gest worry related to college or career?

Tippett: My biggest pressure was transferring from Flint Junior College to U of M-Flint, then not being able to teach high school like I had wanted. If I could’ve gotten my high school

teacher’s certificate, I probably would still be teaching today. I really liked school. I’ve always been a student.

Hodgkin: My biggest fear is ‘What’s next? Where do I go?’ There aren’t any grades or class work to prove yourself. It’s all about getting a job.

How do you spend your time when you're not in class?

Tippett: My college experience had a different tenor to it because I lived at home. Then I was mar-ried in ’65 before I gradu-

ated from college. I was 21 then, and it

‘‘ I wanted to teach high school

but the college wouldn’t let

me in the high school teacher’s program because

I was ‘too small’ to teach

high school students.’’Bev TippettBaby Boomer and former elementary school teacher

DRUG ABUSEContinued from Page 3a large drop-box for unpackaged pills. Most police departments offer this service daily. “People come in daily,” said Sa-mantha Sturgis, dispatch supervisor. The Fenton Police Department is at 301 S. LeRoy St., and the box is in the lobby, available 24 hours a day. The Holly Police Department, at 315 S. Broad St., accepts prescription medications for disposal Monday through Saturday, from 8 a.m. to 4 p.m. If you’re disposing of prescription medications at home, follow these guidelines for safe disposal:• Do not flush medications down the drain or toilet, because chemicals can pollute the water supply.• Remove personal, identifiable in-formation from bottles and packages before discarding.• Mix prescription drugs with an undesirable substance, such as used coffee grounds or kitty litter, and place in sealed containers.

‘‘ My biggest fear is ‘What’s next? Where

do I go?’ There aren’t any

grades or class work to prove yourself.’’Colin Hodgkin

Musical theatre major at Wright State University

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8 Sunday, October 21, 2018 myfenton.comFAB OVER 50

Here's how to play 'catch up' with retirement savings if you're off to a late start

By Sally RummelHelp! I’m in my early 50s and just

beginning to plan for retirement. Life

‘MUSTACHE’Continued from Page 4month of November. “Grow a mo, save a bro” is its slogan and the group aims to have men start conversations about these important health issues. Similarly, No-Shave Novem-ber is another movement that asks participants to forego shaving for the entire month and donate the money that would have been spent on shaving products to the American Cancer Society. Why do men today, even those older than 50, want to grow beards and mustaches? It seems that the answer is because they can. Just like tattoos, facial hair for men has become much more mainstream and is becoming more acceptable in the workplace. While The Washington Post re-ported that dollars spent on razors and blades have fallen, barbers like Andrews say that there’s a lot of grooming going on for all these whiskers. “The hot towel straight razor shave is really popular,” An-drews said. Even a men’s retailer like Bridge Street Exchange in Fenton is seeing a growth in sales of men’s grooming products. “Beard butters are our most popular product,” said Kim Gerber of Bridge Street Exchange. “We’ve got at least 15 different beard oils, plus mustache wax, beard shampoos and conditioners. It’s really a big trend.”

got in the way and I wasn’t able to start saving early like I should have.

What can I do to catch up?You still have enough time to put

yourself in a better position to retire, but it will take a serious commitment of saving to make it happen, according to Money.cnn.com.

Here are the steps you need to take:

STEP 1 — S tash away as much money as you can between now and the time you retire.

If you have access to a workplace plan like a 401(k), that’s a good place to start, as it will automatically deduct your contribution from your paycheck before you have a chance to spend it. If your employer participates with matching funds, that will also help leverage your savings effort.

STEP 2 — Contribute to an IRAIdeally, make the maximum allowable

contribution — currently $5,500 plus a $1,000 catch-up for people age 50 and older.

If at all possible, get that amount into your account by the April 15, 2019 tax filing deadline for 2018. Then you also will be able to make an IRA contribution for the 2019 tax year.

Funding your IRA(s) will allow you to end up with sizeable savings — about $160,000 by age 65, if you’re 50, and contribute $6,500 annually and earn

See RETIREMENT on 10

‘‘ Nearly half of retirees leave the workforce earlier

than they planned, because of health

problems, company downsizing or

caregiving for a spouse or other

family member.’’Employee Benefit Research Institute

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myfenton.com Sunday, October 21, 2018 9FAB OVER 50

Shhhh... Both men and women suffer from bladder control issues but no one wants to talk about it

By Sally RummelWhile everyone makes a joke about it,

urinary incontinence is actually a com-mon problem, with 17 million Americans having a daily occurrence of bladder control issues. But it’s so rarely discussed that you might think you’re the only one dealing with it.

What causes this “leakage?” A number of conditions can result in urinary incon-tinence, including overactive bladder muscles, weakened pelvic floor muscles, for some men, an enlarged prostate, nerve damage that affects bladder control, chronic bladder inflammation, side ef-fects from surgery, older age, sleep apnea, and more.

There are several different kinds of urinary continence, but they all can result in the same embarrassing social issues for some people, who tend to avoid going out with friends or veering too far away from a bathroom.

Stress Urinary Incontinence (SUI)This is when urine leaks out when you

exercise, sneeze, laugh, stand up or bend over, caused by sudden pressure on the bladder and urethra, which forces the sphincter muscles to open.

SUI is the most prevalent form of in-continence among women, affecting an estimated 15 million adult women in the U.S. women and occurs less often in men, according to the National Association for Continence.

Pregnancy and childbirth can cause weakened pelvic muscles, which can result in SUI. Occurrences become more prevalent with age.

Overactive Bladder (OAB)People with OAB have an urgent, “got-

ta go” feeling they can’t control. Some people with OAB leak urine when they feel that urge. The difference between SUI and OAB is all in the anatomy. SUI is a urethral issue, the urethra can’t stop the sudden increase in pressure. With OAB, it’s a bladder issue, the bladder spasms and squeezes uncontrollably.

Are you ‘leaking?’ About one in five adults over age 40 are affected by OAB or recurring symptoms of urgency and frequency.

When you should see y our doc-tor:• You have to go to the bathroom a lot more than usual, and often can’t hold in your urine until you get to the toilet.• You leak when you sneeze, cough, or even stand up.• You leak at random times, even if you didn’t cough or sneeze.• You feel like your bladder still has urine in it, even after you go.• Your stream of urine is weak.• You have to strain when you urinate.• It hurts to urinate.•You feel pressure in your lower abdo-men. Behavioral treatments, medication and surgery are all possible remedies for urinary incontinence. If UI is caus-ing you to withdraw socially or become depressed, you should definitely see your doctor.

SOURCES: WebMD.com, National Association for Continence

Help! I have to get up to pee all the time at night

Here are some reasons you might have to get up at night to use the bathroom:• You’re drinking too many liquids before bedtime. Stop drinking two hours beforehand.• You’re drinking alcohol or caffeine too close to bedtime — both can affect your urine output.• You’re on an anti-diuretic hormone that helps your kidneys control their fluid levels.• You may have a urinary tract infection, if urinating is accompanied by burning, dribbling or discomfort.• Your legs are swollen — you have excess fluids in your body. Elevate your legs several hours before bedtime.• You are diabetic or pre-diabetic — your body may ramp up urine production to clear out any excess blood sugar.• Your bladder is slipping (prolapsed) .

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COLLEGEContinued from Page 7What about student loan debt?

Tippett: I didn’t have any. My parents and I both helped pay for tuition. I don’t remember the cost, but it was much less proportionally than it is today. I did work, too, at the Flint Public Library.

Hodgkin: I have worked to try to have the least amount of debt when I leave. I’ve worked summers along with during the school year to pay for tuition and living.

What's your dream job?Tippett: When I graduated from

college, women were either a teacher, nurse or secretary. Today, there are so many options, which makes it both easier and harder to decide. I would have loved to have been a working artist. I love creating things. Toadi Middleton and I had a folk art busi-ness for 30 years.

Hodgkin: I would love to star in a Broadway show like Dear Evan Hansen or Spongebob. I also would love to be on an improv-based TV show or movie like The Office, An-chorman, 30 Rock, SNL, etc. Basi-cally, I would just like a pedestal to showcase my work.

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10 Sunday, October 21, 2018 myfenton.comFAB OVER 50

RETIREMENTContinued from Page 8about 6 percent a year in interest. Not exactly a plush retirement, but you could have a bigger pot if you push yourself to save more — nearly $300,000 if you can save $1,000 a month.

STEP 3 — Stay on the job a few more years This will give you more years to contribute money to your retirement accounts and allows more time for your savings to grow. Working longer can also boost the eventual size of your Social Security check, as each year you delay claim-ing benefits increases those benefits by about 8 percent per year. Even if you want to put in a few more years at work, you may not be able to, due to health issues, your own or a family member’s. Nearly half of retirees leave the workforce earlier than they planned, because of health problems, com-pany downsizing or caregiving for a spouse or other family member, according to the Employee Ben-

efit Research Institute’s Retirement Confidence Survey.

STEP 4 — Consider part-time work

To get an idea of jobs currently avail-able for retirees and seniors, check out AARP job sites, as well as your own local contacts. You may be able to find work in your own field as a business consultant, or take a chance and try out a new skill or passion.

Keep in mind the income restrictions before you reach full retirement age, if you have started to collect Social Security benefits.

STEP 5 — Consider downsizing your home or re-locating

If you’re a homeowner, you might tap the equity in your home for re-tirement income by downsizing to a smaller, less expensive house that’s also less costly to maintain.

Check out the most affordable places to live by comparing costs like hous-ing, health care, food, transportation, etc., among 200 U.S. cities by going to Nerdwallet.com/cost-of-living-calculator.com.

PREPAREDContinued from Page 6

This is best done with an attorney who can keep your will updated, understands state-specific tax issues and the compli-cated situations of real life. However, if you need only a very basic will, you can use a simple online template.

Life insuranceLife insurance can fill a variety of

needs, including covering the finite years of a mortgage and protecting the interests of a special-needs child who will need financial support after you’re gone. Its main function is to protect family mem-bers from the loss of income if you or another primary wage earner dies.

For most of your adult life, you’ve probably had a life insurance policy through a benefits package at work. How-ever, as you move closer to retirement you’ll have to decide whether to pay for a life insurance policy on your own or enter your later years without one.

If your family is still dependent upon your income, if you carry a lot of debt or are still pay-ing off a mortgage, you might consider keeping a life in-surance policy as a “better safe than sorry” approach. Maybe there is a gap between employment and your abil-ity to begin Medicare rather than paying a hefty health insurance premium every month. In that case, life insurance might still make sense.

How you use life insurance as part of your estate plan can be complicated and should be addressed with an attorney who specializes in estate planning.

Organize your finances and im-portant paperwork

Make it easy for your heirs to find exactly what they need. Two of the most important documents are your life insurance policy (especially policies from former employ-

ers) and your retirement plans (including pensions and annuities) because both are easy to overlook. So gather your various policies and keep them together.

What happens if you become ill or incapacitated?

These are tough issues for a family, yet you can face them unafraid if you have a living will, power of attorney and durable power of attorney.

The difference between a will, which distributes a person’s property after death, is that a living will explains what kind of medical care a person wants while he or she is still alive, but is unable to explain his or her wishes.

A power of attorney is the person who can attend to financial or legal matters if you become ill or are unable to handle them for yourself. The power of attorney expires after your death, and the control of your finances typically shifts to the executor you named in your will.

A durable power of attorney for health care allows someone to make medical decisions for you, if you are no longer able to speak for yourself.

Planning your funeralThere are many ways you can think

ahead about your funeral, starting with a life insurance policy that will at least pay for funeral expenses.

By thinking ahead, you can make in-formed and thoughtful decisions about funeral arrangements, sparing your survi-vors the stress of making these decisions under pressure and strong emotions.

You can make decisions about your arrangements in advance, but not pay for them in advance, or you can pre-pay for your funeral. Put your preferences in writing, give copies to family members and your attorney and keep a copy in a handy place.

Don’t designate your preferences in a will, because a will is often not read until after the funeral. Don’t put your only copy in a safe deposit box, in case your family has to make arrangements on a weekend or holiday.

Sources: Nolo.com, Legalzoom.com, Investopedia.com

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myfenton.com Sunday, October 21, 2018 11FAB OVER 50

Your life partner may also be your front line of defense for serious health issuesBy Sally Rummel

Who is closer to you than your spouse or significant other? Your life partner is often the one to be the first to notice signs of potential health concerns.

Here are a few things your spouse might catch with an extra set of eyes before you do, according to Methodist Health Systems in Dallas, Texas:

Alarming sleep habitsYour sleeping partner is far more likely

to notice symptoms of sleep apnea than you are. Lying next to you at night gives your spouse a front-row seat and ears to hear your snoring, gasps for breath or even momentary lapses in breathing. These are the most common signs of sleep apnea.

Does your spouse complain about being tired all the time? That’s another sign of a sleep disorder like sleep apnea, which can be life threatening but is very treatable. Insist on a doctor’s visit for a sleep study and perhaps a CPAP or BIPAP machine to regulate breathing.

Mood changesA man might notice that his wife is

crying more frequently or a woman might notice that her husband is increasingly more irritable.

While symptoms of depression can be non-specific, there are signs that point to this underdiagnosed and undertreated mental illness.

You may also notice a decrease in your spouse’s interest in sex, poor sleep habits or a general loss of enjoyment in favorite activities.

Spots and bumps on the skinYour spouse will more easily notice

bumps, spots, moles or sores in certain parts of the body that he or she might not regularly see, such as the upper back or the back of the thigh or neck.

Keep this ABCDE checklist in mind when you look each other over:Asymmetry: Is the growth asymmetrical?Border: Does the growth have a ragged border?Color: Are there multiple colors, or is the growth dark in color?Diameter: Is the growth larger than a pencil eraser?Evolution: Has the spot changed over time?

The ABCDE tip is a starting point in evaluating skin lesions as signs of skin cancer, although not all skin cancers will appear this way.

For more common skin conditions like rashes, sores and bug bites, seek a doctor’s opinion if there is no improvement in three to seven days. During that time, avoid using household or over-the-counter treatments for

t Your spouse may be able to detect serious health issues before you do, because he or she knows your daily habits and sees you more clearly than you see yourself.

Look out for your spouse

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a skin condition you don’t know the cause of. It could change the appearance of the condition and make diagnosis more difficult.

Unbalanced blood sugarsNearly 10 percent of the U.S. population

has diabetes, but almost 30 percent of them are unaware of it. If you’re noticing your spouse having more frequent urination, complaints of blurry vision or excessive thirst, have your doctor check them out for a diagnosis of pre-

diabetes or type 2 diabetes. Blood pressure issues Is your spouse having more headaches and fatigue than usual? These are two signs of possible high blood pressure issues. Check it out with your doctor.

Poor posture and pain Osteoporosis, a bone disease that causes bones to break easily and become brittle, is

often called a “silent disease,” because it is symptomless as it progresses. It most com-monly strikes white women over age 50, but it can also strike men and other ethnicities at any age. Take note if your spouse mentions back pain or you’ve noticed a hunched over posture. In the event of a serious health issue, your spouse can also be your best advocate for getting proper treatment, a second opinion, etc. Now it’s up to you to listen and take action by getting to your doctor.

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