Don't Turn Off the Lights

 We live in a time when more families are separated by distance than ever before. Its common for aging parents to retire to a different state or for adult children to relocate for work or lifestyle changes. Additionally, theres a generation that is often overlookedthe sandwich generationadults balancing the demands of caring for aging parents while raising their own children. This dual responsibility can lead to feelings of guilt, whether you live nearby or far away. Its important to recognize that these emotions are normal but can interfere with your ability to provide effective care. Guilt can make us feel that our best efforts arent good enough, causing us to abandon strategies that could make a difference, even when we cant be physically present.Long-Distance Caring SolutionsHere are strategies to ensure your parents receive necessary care while managing your responsibilities: Utilize Technology     Video Calls: Use Zoom or FaceTime for regular check-ins.     Health Management Apps: Encourage your parents to track their health online. Coordinate Local Help     Hire Professional Caregivers: Consider home care services for daily activities.     Engage Family and Friends: Enlist local relatives to check in regularly. Plan Visits Wisely     Maximize Visits: Combine quality time with essential tasks like grocery shopping.     Create Care Packages: Send essentials and comfort items to show your support.   Releasing the GuiltTo navigate these challenges, its crucial to let go of guilt:      Set Realistic Expectations: Accept that you cant do it all and ask for help.       Practice Self-Compassion: Recognize that feeling guilty is normal and allow yourself to learn from mistakes.      Seek Support: Join caregiver support groups for shared experiences and advice.

If youre a parent, you want to do everything you can to help your children succeed in life. Therefore, you might think that one of the best things you can do is to save for your childrens college education. And this is certainly admirable, but could it conflict with your ability to prepare for another key goal your own retirement?Of course, this would not be a problem if you had unlimited means, but most of us dont fall into that category. So, given the financial resources and income you do have, how should you approach the college-versus-retirement issue?Fortunately, its not necessarily an either-or scenario. However, it may make sense to prioritize saving for retirement over college, for two reasons.First, your children have a lot more time to pay for college than you have to save for retirement. In addition to any grants or scholarships your children may receive, they might need to take out loans. While its a good idea to keep this debt load as manageable as possible, its also true that most student loans can be repaid over a long period of time.And heres the second point: One of the best gifts you can give your children is to be self-sufficient in your retirement. You could easily spend two, or even three, decades as a retiree, so you will need to build considerable financial resources to pay for all those years. Your adult children will have their own financial needs to address, so youll be doing them a great favor by relieving them of any financial responsibilities on your behalf. Taking these factors into account, you may want to direct most of your saving and investing efforts toward achieving a comfortable retirement. Consequently, think about putting away as much as you can afford into your IRA and 401(k) or other employer-sponsored retirement plan. Even with this focus on retirement, though, you may find opportunities to save and invest for your childrens education. For example, if you receive bonuses or income tax refunds, or your salary goes up, or youre able to free up money from your budget by reducing your debts, you could use these funds to invest in an education savings vehicle, such as a 529 plan. When you invest in a 529 plan, your earnings and withdrawals are federally tax free, provided the money is used for qualified education expenses such as tuition, room and board, books, and computers. Depending on where you live, you may also get some state tax benefits from your 529 plan. And a 529 plan isnt just for college it can be used for K-12 private school tuition costs, plus expenses from qualified apprenticeship programs, such as those found at trade schools eligible for Title IV federal student aid.It might not be easy to save and invest consistently for your retirement and your childrens education. But both goals are worthy after all, retirement can last a long time and college is expensive. So, try to develop a financial strategy that can allow you to make progress in both areas your efforts may well be rewarded.               Chad Choate III, AAMS828 3rd Avenue WestBradenton, FL 34205941-462-2445chad.chaote@edwardjones.com This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. 

When you are tempted to say, Hello, fall plan also to say, Hello, flu shot. When fall is in the air, so are influenza and other viruses. The 20232024 flu season in the United States was characterized by elevated activity. Some estimates for the season include up to 65 million flu illnesses, 30 million flu medical visits, 830,000 flu hospitalizations and 72,000 flu deaths. Despite this impact, data indicates only 53.9% of U.S. children and 48.5% of U.S. adults received a flu vaccine during the most recent flu season. Imagine what the flu season statistics would be if getting an annual flu shot was as popular as pumpkin spice! We recommend you get the updated flu vaccine annually by the end of October to ensure the best coverage during the peak of the flu season, which starts to ramp up in October, peaks between December and February and fades in the spring. Receiving the flu shot in the fall also helps provide protection through the holidays, when people often gather and travel. Annual flu vaccines are especially important for those over the age of 65, who are at greater risk of developing serious illness from the flu due to age-related changes in immunity. Between 70 and 85% of all flu-related deaths occur in people 65 years and older and 50 to 70% of seasonal flu hospitalizations are in this age group. Since immunity from annual flu shots lasts about six monthsenough to cover the peak of the flu seasonand the flu strains the shot targets each season are different, its important to make your flu shot an annual tradition. The shots work by stimulating your body to produce protective antibodies within about two weeks. Since the flu vaccines first civilian use in 1945, the vaccines have been made from dead, or inactive strains of the flu, so its impossible to get sickened by the flu from vaccines. Its not the shot, but the creation of antibodies that can result in some side effects, which many mistake for flu-like symptoms. Really, any side effects, like briefly not feeling well, are signs the vaccine is working. Side effects can include soreness at the injection site, headache, low fever or muscle aches. Some people have no reaction at all. Symptoms of being sick with the flu involve fever, chills, extreme fatigue, muscle aches and more for several days. Getting the vaccination can reduce the duration and severity of illness and the risk for hospitalization from influenza. Theres a bonus: getting vaccinated also helps protect other people, including those who are vulnerable to health complications from the flu, such as children, pregnant women and people with underlying illness, like cancer, COPD, diabetes, asthma and congestive heart failure. Potential complications related to the flu can be pneumonia, stroke and heart attack. Living in independent living, assisted living, nursing homes and other group living also puts people at risk, because flu and other communicable diseases can spread more rapidly. Another vaccination recommended in the fall is for respiratory syncytial virus, or RSV, particularly for adults aged 75 and older and for adults 60 to 74 who are at higher risk for severe RSV. That includes adults with heart or lung disease, weakened immune systems such as from cancer, or other underlying conditions including severe obesity and diabetes. RSV is a common respiratory virus that causes mild, cold-like symptoms. It can be dangerous for some infants and young children, as well as older adults. Symptoms of severe RSV include: fever, severe cough, wheezing, rapid or difficulty breathing, and bluish skin tone due to lack of oxygen. Like other respiratory infections, a cough or sneeze can easily spread RSV. People are typically contagious for up to eight days, but some people can be contagious for as long as four weeks, even after they stop having symptoms. Older adults only need to get an RSV shot once. Getting flu and RSV shots is easyand you can get them at the same timewith many pharmacies offering walk-in shots. Healthcare Network has walk-in Convenient Care open Thursday to Saturday until 7 p.m. for preventative services, as well as diagnosis and treatment of minor illnesses. If you havent gotten your shots yet, there is still time to celebrate fall with immunizations. Afterwards, you may even want to treat yourself for being proactive with a pumpkin spice latte.   About the Author Dr. Salvatore Anzalone, Vice President of Clinical Business Development at Healthcare Network, has been a board certified physician for over 35 years. Healthcare Network is a nonprofit organization dedicated to providing quality healthcare that is accessible to everyone, regardless of employment, income, or insurance status. For more information about services, visit HealthcareSWFL.org or call 239-658-3000.