DRAWING: YOUR NEW Rx

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. 

Regular physical activity isn't just about staying fit; it's also about managing chronic illnesses and maintaining independence. We want to help seniors incorporate exercise into their daily routines for a healthier life. Remember to always check with your doctor before starting any new forms of exercise. The Benefits of Exercise for Chronic Illness ManagementExercise offers various benefits, especially for those living with chronic conditions. Regular physical activity can improve seniors' heart health, lowering blood pressure and improving circulation and reducing the risk of heart disease. Staying active can also increase mobility and flexibility, making daily activities easier and reducing the risk of injuries and falls.Regular exercise releases endorphins, which are natural mood lifters. This can help combat depression and anxiety, offering a sense of accomplishment and boosting overall well-being. Perhaps most importantly, engaging in physical activities can help seniors maintain their independence. The ability to perform daily tasks without assistance enhances their quality of life significantly.Tips for Incorporating Physical Activity into Daily RoutinesIncorporating exercise into a daily routine doesn't have to be hard. Start slow and build up gradually, beginning with light exercises and gradually increasing the intensity. This helps the body adjust and prevents burnout. Set small, achievable goals to stay motivated. Whether it's a short walk or a set of stretches, each step counts towards better health.Choose activities that are fun. Dancing, gardening, or playing with grandchildren can be excellent ways to stay active without it feeling like a chore. Consistency is key, so use reminders, calendars, or alarms to establish a routine and make exercise a regular part of the day.Selecting Appropriate Exercises Based on Individual Needs and AbilitiesChoosing the right exercises depends on individual needs and any existing health conditions. Here are some options to consider:Low-Impact Exercises for Joint Health: Walking, swimming, or cycling are gentle on the joints while still providing significant health benefits. These activities are perfect for those with arthritis or joint pain.Strength Training for Muscle Maintenance: Simple strength training exercises, such as lifting light weights or using resistance bands, can help preserve muscle mass and strength.Balance Exercises to Prevent Falls: Activities like standing on one foot or practicing Tai Chi improve stability and prevent falls, reducing the risk of injuries.Flexibility Exercises for Improved Range of Motion: Stretching exercises like yoga or simple daily stretches can enhance the range of motion, making everyday tasks easier.Need Caregiving Services for Seniors With Chronic Conditions?Exercise can help manage chronic conditions and improve the quality of life for seniors. It's never too late to start, but you should consult healthcare providers before beginning any new exercise regimen. At Senior Helpers Greeley, we are dedicated to helping seniors in Fort Collins, Loveland, Greeley, Wellington, and Longmont incorporate exercise into their chronic care plans. Contact us today for personalized support to ensure a healthier, more active lifestyle for your loved ones.

At Amada Senior Care, we are dedicated to ensuring the well-being of our clients, especially when it comes to preserving senior independence, and this includes preventive care. In honor of Breast Cancer Awareness Month, we want to emphasize the importance of annual health screenings and checkups. Today being Mammogram Day provides a particularly appropriate opportunity to heighten awareness of a significant screening for women to protect their health as they age.Why Mammograms MatterBreast cancer is the most common cancer among women worldwide; in fact, women in the U.S. have a 1-in-8 chance of developing breast cancer. Public awareness campaigns point to the fact that early detection can make all the difference. Regular mammograms help identify abnormalities in the breast tissue long before they can be felt during a self-exam. Early-stage detection significantly increases the chances of successful treatment, with survival rates as high as 99% when breast cancer is caught in its initial stages.For older women, especially women over the age of 50, mammograms become an even more critical part of their healthcare routine. Age is a significant risk factor for breast cancer, and while it can occur at any age, the risk increases as women grow older. Its estimated that about two out of three invasive breast cancers are discovered in women 55 or older. This is because as we age, there are more opportunities for genetic damage or mutations to occur in the body at a phase when the human body typically is less capable of repairing genetic damage.While breast cancer is associated with womens health, men also can be diagnosed with and experience symptoms like those in women. Family history of breast cancer or other genetic factors, exposure to radiation in the chest area, or having liver disease or another condition that causes estrogen levels to rise in the body all are risk factors for male breast cancer.Check out the images below to learn more about how to conduct a breast self-exam.Benefits of Regular MammogramsEarly Cancer Detection Saves LivesThe earlier breast cancer is detected, the more treatment options are available, and the better the outcomes. Mammograms can find cancer up to three years before it is large enough to be felt, offering a greater chance for less aggressive treatment.Peace of Mind in Protecting Senior HealthA mammogram is a quick procedure, but the peace of mind that comes with knowing youre actively monitoring your health is immeasurable. Regular screenings help older adults and seniors feel more secure and proactive in managing their well-being.Guided Preventive Care in Aging WellMammograms are often the first step in a broader breast health plan. For seniors, keeping up with these appointments ensures continuity of care, allowing their healthcare providers to monitor any changes and take action if necessary.Overcoming Common Concerns of MammogramsCommon concerns include fear of discomfort or radiation exposure. However, modern technology has made mammograms more comfortable, and the amount of radiation is minimalno more than a dental x-ray or flying cross-country.How Amada Can Help with Protecting Senior HealthAs seniors age, they may become concerned about mobility or getting to and from appointments. A free care needs consultation with an Amada Senior Care advisor can help identify specific assistance you or a loved one require, whether its transportation to screening facilities, compassionate caregiving services at home, or emotional comfort before and after a procedure.As a provider of non-medical at-home care, we at Amada are committed to making senior preventive healthcare as accessible and stress-free as possible. We can help with:Appointment Scheduling: Well help book your mammogram and any necessary follow-up appointments with ease.Transportation Assistance: If you need help getting to the clinic, our caregivers can provide transportation or accompany you to ensure you feel supported.Personalized Health Plans: Amadas caregivers are trained to help our senior clients manage symptoms of various health conditions. Our care team professionals understand the importance of following your doctors instructions and ensure they are included in your personalized care plan, tailored to your specific needs.Regular Screenings Lead to Improved Health in AgingIf you or a loved one havent had a mammogram in over a year, now is the perfect time to talk to your healthcare professional to schedule one. Encourage the women in your life, especially those in their 50s and older, not to skip their annual health screenings.Let's celebrate the power of early detection and honor our commitment to protecting the health of the women (and men) we care for.