April is National Financial Literacy Month — and a
good time to boost your financial knowledge to help set the stage for a
lifetime of financial stability.
Eighty percent of Americans who are confident in
their financial knowledge are confident in their financial future, according to
a 2023 Edward Jones study conducted with Morning Consult. That's an enviable
place to be, and one you can create for yourself if you have a student mindset.
The study showed the most sought-after financial
topics for learning are investing, debt management and preparing for
retirement.
•
Investing – There is no
"one-size-fits-all" investment strategy. That's because you invest to
achieve what's most important to you. It's not about chasing a certain
return. Instead, the return you'll need on your investments is tied directly to
your goals and how long you have before you'll need the money. Learning about
investing opens up a broad range of topics –diversifying your investments,
managing risk, balancing goals, preparing for unexpected events, understanding
the stock market and weathering volatility. The more you know – and that
doesn't mean being an expert, just having a working knowledge of investing –
the better informed you are to make financial decisions in your best interest.
When it comes to investing, never be afraid to ask questions.
•
Debt management – Understanding
how debt works, controlling expenses in a monthly budget, knowing where to go
for help and making a plan are the keys to help you better manage your debt. It
may be a surprise that not all debt is negative. Paying off a mortgage or a
student loan, for example, can help increase your net worth or generate future
income. "Bad" debt with high interest rates, missed payments and
multiple creditors, however, offers no future benefit and may become a burden. Becoming
a student of debt management can help you understand things like how much debt
is too much and how to balance, consolidate and reduce debt payments while
still investing to achieve your financial goals.
•
Preparing for retirement – It may
feel easy to let other things take priority over retirement savings, especially
when retirement feels like it's a long way off. Yet, the earlier you save, the
more likely you may be to achieve your retirement goals. You'll likely thank
yourself down the road if you take the time to learn about saving for
retirement. This may include how to set tangible and actionable goals, how to
determine the amount you'll need, the different types of retirement savings
accounts and how to build a retirement savings strategy. While you're learning,
you can also start saving. Start saving what you can afford each month and
gradually increase the amount each year, especially as your income rises.
Building
your financial literacy doesn't stop with learning about investing, debt
management or saving for retirement. You may want to know more about budgeting
for young families or investing in a home or improving your credit score. You
can always educate yourself by reading or talking to people knowledgeable in
these subjects. You also might find it valuable to work with a financial
professional — someone who will take a holistic approach to your finances and
make appropriate suggestions.
National Financial Literacy Month ends on April 30, but the benefits of financial literacy can last a lifetime.
Chad Choate III, AAMS
828 3rd Avenue West
Bradenton, FL 34205
941-462-2445
chad.chaote@edwardjones.com
This article was
written by Edward Jones for use by your local Edward Jones Financial Advisor.
Why Planning Ahead Matters for Senior RelocationsBy A Call to Order Professional OrganizerA Gentle Path ForwardThe decision to relocate a senior loved onewhether to a smaller home, a senior living community, or closer to familyis one filled with emotion. Its not just a move; its a life transition. Memories, milestones, and treasured belongings are all part of the journey.Thats why planning ahead for senior relocations is so important. At A Call to Order Professional Organizer, weve walked alongside many families navigating this path. When approached early and with care, the process becomes more manageable, more meaningful, and less stressful for everyone involved.As we look ahead to 2025 and beyond, families are seeking ways to reduce stress, preserve family harmony, and honor the pastall while creating a safer and more supportive environment for their aging loved ones. Planning early is a gift that brings clarity, comfort, and connection.The Emotional and Practical Benefits of Early PlanningWhen it comes to senior relocation, time is your greatest ally. By starting early, families can take a step-by-step approach that reduces overwhelm and supports everyone emotionally.1. More Time for Emotional ProcessingLeaving a longtime home is never just about the physical spaceits about letting go of decades of memories. Planning ahead gives seniors time to say goodbye in a way that feels respectful and gentle. They can revisit special items, reflect on milestones, and share stories that matter. This emotional preparation leads to less resistance and more peace.2. Reducing Family Stress and TensionOne of the most common challenges during a last-minute move is family conflict. When time is limited, decisions are rushed, tensions rise, and tempers flare. Early planning allows families to work together thoughtfully, honoring both practical needs and emotional attachments without pressure.3. Better Options and AvailabilityIn todays fast-moving housing and senior care market, planning early gives you access to better housing choices, preferred communities, and moving services that may book out months in advance. You can take time to visit potential homes, ask the right questions, and ensure your loved one feels comfortable and supported.A Step-by-Step Guide to Starting the Senior Move ConversationStarting the conversation about senior relocation can feel overwhelmingbut with the right approach, it can be an opportunity for connection, understanding, and even excitement about the next chapter.1. Start with Empathy, Not UrgencyBegin the conversation with love. Avoid phrases like You have to move or You cant stay here anymore. Instead, ask open questions: What would make you feel more comfortable in your daily routine? Would you like help sorting through some of your things? By making it about their comfort and wellbeing, you create a safe space for honest dialogue.2. Involve a Professional Organizer EarlyAt A Call to Order, we specialize in senior move management. We understand how to navigate the emotional landscape of downsizing and transitions. We guide families step-by-step, helping to sort, pack, and plan with both heart and strategymaking the process feel less like a chore and more like a celebration of lifes journey.3. Create a Personalized TimelineBreak the process into manageable stages:36 months out: Begin conversations and explore living options.23 months out: Begin sorting and letting go of items that wont move with your loved one.1 month out: Start packing essentials and coordinating logistics.1 week out: Final preparations and emotional support.This structure reduces decision fatigue and helps everyone feel in control.4. Focus on the PositiveWhile its okay to honor grief or sadness, help your loved one look forward to the benefits: less home maintenance, easier access to care, and opportunities for new friendships. Highlight what theyll gain, not just what theyll lose.Let the Journey Be Gentle, TogetherRelocating a senior loved one is never just about boxes and furnitureits about dignity, legacy, and love. By planning ahead, families can avoid unnecessary stress, preserve emotional well-being, and make the journey a beautiful one.At A Call to Order Professional Organizer, were more than just moving supportwere partners in transition. We walk alongside families with empathy, expertise, and the heartfelt belief that every move should feel like a new beginning, not a loss. Contact us today to begin planning your loved ones next chapter with care. Visit www.acalltoorderco.com for more resources, checklists, and guidance.Lets plan aheadbecause your familys peace is worth it.
Navigating the complexities of aging can feel overwhelming. Whether you're a senior making plans for your future or a family caregiver trying to provide the best care for a loved one, knowing where to turn for reliable help is critical. Thats where a Senior Care Advocate steps inyour trusted partner in managing aging-related decisions, healthcare planning, and long-term support.What is a Senior Care Advocate?A Senior Care Advocate is a professional who specializes in supporting older adults and their families as they face the many challenges of aging. Their role is part guide, part liaison, and part problem-solver. Whether it's managing healthcare appointments, understanding confusing medical diagnoses, or finding the right long-term care options, a Senior Care Advocate is there to help every step of the way.These advocates bring years of experience in elder care, healthcare systems, and long-term care planning. They often have backgrounds in social work, nursing, gerontology, or senior services. But more importantly, they understand the emotional weight that comes with caregiving and agingand they offer compassion alongside their professional expertise.Do I Need a Senior Care Advocate?One of the most common questions families ask is: How do I know if I need a Senior Care Advocate? The answer depends on your unique situation, but here are a few telltale signs: Youre overwhelmed with coordinating medical care and doctor appointments. You're unsure about long-term care options like assisted living, memory care, or skilled nursing. Youre facing legal, financial, or insurance questions you dont know how to answer. Youre a long-distance caregiver who cant always be present. Youre worried about the safety or well-being of a loved one who lives alone. In all these situations, a Senior Care Advocate can provide guidance, coordinate services, and even represent you or your loved one at medical appointments or facility meetings.What Services Does a Senior Care Advocate Provide?Senior Care Advocates wear many hats and offer a wide range of services, including:1. In-Home Care CoordinationIf remaining at home is a priority, an advocate can help make it happen safely. They evaluate care needs, hire and supervise caregivers, and provide training for both families and professionals. They ensure that home care is not just availablebut effective, compassionate, and tailored to the individual.2. Medical Support and NavigationUnderstanding the healthcare system can be confusing, especially when dealing with chronic illness or multiple diagnoses. A Senior Care Advocate will: Arrange and attend medical appointments. Help interpret diagnoses and treatment plans. Coordinate testing, therapies, and even emergency room visits. Act as a liaison between seniors, family members, and healthcare providers. Their support can be life-changing, particularly for seniors managing complex conditions or families trying to stay informed.3. Long-Term Care Planning and TransitionsWhen living at home is no longer possible, finding the right long-term care community is essential. A Care Advocate knows the ins and outs of senior living optionsfrom assisted living to memory care and nursing homes. Theyll arrange facility tours, help with admissions paperwork, and even assist with the physical move.After the transition, they continue providing oversight to ensure your loved one is safe, comfortable, and receiving quality care.4. Benefit Application AssistanceUnderstanding what financial and medical benefits you qualify for can be overwhelming. Senior Care Advocates help determine eligibility and assist with applications for: Veterans benefits Social Security and SSDI Medicaid/Medical Assistance Private insurance coverage This process is often time-consuming and complex, but an experienced advocate can streamline it and ensure nothing is missed.What to Look for in a Senior Care AdvocateNot all advocates are the same. When choosing one, ask about their background, training, and areas of specialization. Dont hesitate to request references or testimonials from other families.A qualified Senior Care Advocate should have: Experience in elder care or healthcare systems Knowledge of local resources and support programs A compassionate and proactive communication style Clear professional boundaries and confidentiality standards Real Support for Real FamiliesAt Solutions for Independence, we understand how emotionally and physically demanding caregiving can be. For over 20 years, we've helped hundreds of seniors and their families navigate the aging journey with confidence. Whether its in-home care planning, crisis management, or senior housing transitions, we provide the kind of expert support that brings peace of mind.We believe in providing Care, Advocacy, and Compassion as a Professionbecause every older adult deserves to age with dignity, and every caregiver deserves support.Why Senior Care Advocacy Matters More Than EverTodays aging population is living longer but often with more complex health needs. Family caregivers are often juggling full-time jobs, raising children, and managing their own health. The role of a Senior Care Advocate is no longer a luxuryits becoming a necessity.By working with a trusted advocate, families can: Avoid caregiver burnout. Prevent medical or financial crises. Make informed choices about care options. Save time, money, and emotional energy. Whether youre planning ahead or in the middle of a crisis, a Senior Care Advocate can be your greatest ally. They provide the tools, knowledge, and hands-on support you need to make the best decisions for yourself or your loved one. If youre feeling uncertain or overwhelmed, remember this: You dont have to do it alone. Let an expert advocate help you find clarity, confidence, and comfort in every stage of the aging journey.At Solutions for Independence we have specialized in and provided Care Advocacy and long-term care planning services for over 20 years and have helped hundreds of seniors and families. Give us a call today at 412.999.7892.
How to Keep Your Kidneys Healthy: A Guide for Seniors Maintain a Healthy DietA balanced and nutritious diet plays a crucial role in supporting kidney health. Focus on consuming fruits, vegetables, whole grains, lean proteins, and low-fat dairy. Limit your intake of sodium, processed foods, and added sugars. Potassium-rich foods like bananas and sweet potatoes can support healthy blood vessels and blood flow, but consult your healthcare provider if you have concerns about your potassium levels.Protein is essential, but too much can strain your kidneys. Seniors with a family history of kidney issues or a history of kidney failure should monitor their protein intake carefully. A dietitian can help you create a meal plan tailored to your needs.Stay Hydrated with Extra WaterProper hydration supports kidney function by helping them filter wastes and maintain blood flow. Drinking extra water can reduce the risk of kidney stones by diluting the minerals that form them. However, seniors with heart disease or kidney issues should consult their doctor about the right amount of water for their needs. Control Diabetes and High Blood PressureDiabetes and high blood pressure are leading causes of kidney disease. Keeping your blood sugar level and blood pressure within healthy ranges is essential. Regular monitoring, taking prescribed medications, and following a healthy lifestyle can significantly reduce your risk for kidney disease. If you have diabetes and high blood pressure, work closely with your healthcare team to manage these conditions effectively. Exercise RegularlyRegular exercise, such as walking, swimming, or yoga, can improve overall health and support kidney function. Aim for at least 30 minutes of physical activity most days of the week. Exercise helps improve blood flow, manage weight, and reduce the risk of conditions like heart disease and diabetes that can harm your kidneys. Avoid Overuse of NSAIDsNonsteroidal anti-inflammatory drugs (NSAIDs) like ibuprofen and naproxen (Aleve) are commonly used for pain relief but can be harmful to your kidneys, especially when taken frequently or in high doses. Seniors should use these medications sparingly and consult a healthcare provider for safer alternatives if they experience chronic pain. Manage Risk Factors for Kidney DiseaseIf you have a family history of kidney problems or a history of kidney failure, you may be at a higher risk for kidney disease. Regular check-ups with your doctor are crucial. Routine tests, such as blood and urine tests, can help detect early signs of kidney damage. Early intervention and proactive care can make a significant difference in outcomes. Quit Smoking and Limit AlcoholSmoking damages blood vessels, reducing blood flow to the kidneys, and increasing the risk of kidney disease. Alcohol, when consumed in excess, can also harm your kidneys. Quitting smoking and moderating alcohol intake are steps that can keep your kidneys healthy. Monitor Your MedicationsCertain medications, including over-the-counter drugs and supplements, can strain your kidneys. Always consult your doctor before starting new medications, especially if you have a history of kidney issues. Ensure they are aware of all medications and supplements youre taking. Watch for Warning SignsBe alert for symptoms of kidney problems, such as: Swelling in the ankles, feet, or hands Fatigue Changes in urination (frequency, color, or amount) Persistent nausea or vomiting High blood pressure If you notice any of these symptoms, consult your doctor. Reduce StressChronic stress can negatively impact your overall health, including your kidneys. Activities like meditation, deep breathing exercises, and hobbies can help you relax and reduce stress levels. Know When to Seek Medical HelpIf you experience severe pain in your lower back or sides, it could indicate kidney stones or another kidney issue. Dont ignore these signs; seek medical attention promptly to prevent further complications. Prevent and Manage Kidney StonesKidney stones can be excruciating and lead to complications if untreated. Drinking extra water, maintaining a healthy diet, and limiting salt intake can help prevent them. If youre prone to kidney stones, your doctor may recommend specific dietary adjustments or medications. Keep Regular Check-UpsRoutine medical check-ups are vital for detecting and managing health conditions that affect your kidneys. Blood tests can measure your kidney function by evaluating markers like creatinine, while urine tests can check for protein or other abnormalities. Healthy Kidneys, Healthy BodyTaking care of your kidneys is essential for overall health and well-being. If youre unsure about your kidney health or have concerns about your risk factors, consult your doctor. Proactive steps today can make a significant difference in protecting and keeping your kidneys healthy for years to come. For better primary care, call VIPcare today at 251-257-2886 to make the switch!