For more information about the author, click to view their website: Edward Jones
April
is National Financial Literacy Month — a good reminder that all of us can
benefit from boosting our financial knowledge.
But
what is financial literacy? There’s no one single definition, but the term
certainly covers these areas:
• Saving
– Most of us would probably agree that saving money is important, but actually
doing it can be challenging given all the expenses of modern living. Still,
techniques are available that everyone can follow, such as having money
automatically moved each month from a checking or savings account to a
financial account that’s not used for daily expenses.
• Budgeting
– Budgeting isn’t necessarily a fun activity — but it’s an important one. And
it’s easier than ever these days, given the variety of budgeting tools
available online. By tracking your spending every month and organizing it into
categories, you may be able to find areas where you can cut back, such as on
streaming services you rarely use.
• Borrowing
– Virtually all of us carry some type of debt at various times in our
lives. But it’s important to manage your debt load so it doesn’t become too
burdensome. One way of achieving this goal is to use “good” debts wisely — such
as a low-rate mortgage on your home — and avoid “bad” debts — such as high-rate
credit cards used for unnecessary purchases.
• Investing
– As you go through life, you’ll likely have a variety of financial goals, such
as making a down payment on a house, sending your children to college and
attaining a comfortable retirement lifestyle. And to achieve these goals,
you’ll need to invest for them. That’s why it’s important to learn about
different types of investments and how to develop an investment strategy that’s
appropriate for your objectives, risk tolerance and time horizon.
We
aren’t born with these skills — we have to learn them. Unfortunately, as
valuable as they are, they aren’t widely taught to young people. In fact,
according to a 2023 Edward Jones study conducted with Morning Consult, only 20%
of respondents reported receiving financial education in school. This situation
may be changing, though, as many states are now requiring or recommending
personal finance education before high school graduation.
For
now, though, if you have younger children, try to teach them money management
skills. You will likely find that they enjoy learning about these matters. You
can make it fun for them in different ways, too. For example, to teach them
about investing, why not buy them a share or two of stock of a company with
which they’re familiar? Charting a stock’s progress and learning something of
the factors affecting its price can help children build a foundation in
investing, which will be valuable when they reach the age when they can invest
for themselves.
But
financial education isn’t just for kids. If you feel that you are lacking
somewhat in any of the key financial management areas mentioned above, 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 will end on April 30, but the benefits of financial
literacy can last a lifetime.
Chad
Choate III, AAMS
828 3rd
Avenue West
Bradenton,
FL 34205
chad.choate@edwardjones.com
Edward Jones, Member
SIPC
If youve ever experienced a persistent ringing, buzzing, humming, or whooshing sound in your ears with no external source, youre not alone. This condition, known as tinnitus, affects millions of people worldwide. For some, it is a minor annoyance. For others, it can be life-alteringinterfering with sleep, concentration, and overall quality of life.At Longmont Hearing and Tinnitus Center, our mission is to help individuals struggling with tinnitus find relief and regain control of their auditory health. Through personalized care, advanced technology, and evidence-based treatments, we guide our patients toward effective management strategies that reduce the burden of tinnitus.Understanding TinnitusTinnitus is not a disease itself but a symptom of an underlying condition. The experience can vary widelysome hear a high-pitched ringing, others a low humming, and some report sounds resembling crickets, static, or even pulsing in rhythm with their heartbeat. The sounds may be constant or intermittent, and their intensity can fluctuate throughout the day.Common Causes of TinnitusSeveral factors can trigger or worsen tinnitus, including: Noise exposure: Repeated exposure to loud environmentssuch as concerts, construction sites, or even prolonged headphone usecan damage the delicate hair cells in the inner ear. Age-related hearing loss: As we age, gradual hearing loss often accompanies tinnitus. Ear injury or blockage: Something as simple as earwax buildup can cause tinnitus. Health conditions: High blood pressure, circulatory issues, temporomandibular joint (TMJ) disorders, or certain medications may contribute to tinnitus. Stress and anxiety: Emotional well-being plays a significant role, as stress can exacerbate tinnitus symptoms. Because the causes are so diverse, treatment must be tailored to each individual. Thats where our expertise at Longmont Hearing and Tinnitus Center makes a difference.How Tinnitus Impacts Daily LifeMany people dont realize how disruptive tinnitus can be until they experience it themselves. While mild tinnitus may fade into the background, moderate to severe cases can cause: Difficulty sleeping: Persistent noise can make it hard to fall or stay asleep. Reduced concentration: Constant ringing often interferes with work or study. Emotional stress: Irritability, frustration, and even depression are common. Social withdrawal: People sometimes avoid conversations or noisy environments where tinnitus feels more overwhelming. At Longmont Hearing and Tinnitus Center, we understand that tinnitus isnt just about the earsit affects the whole person. Our approach focuses on both physical and emotional relief.Our Approach to Tinnitus CareWhen you come to us for tinnitus support, youre not getting a one-size-fits-all solution. Instead, youll receive a comprehensive evaluation and a treatment plan tailored to your unique situation.Step 1: Thorough AssessmentWe begin with a complete hearing evaluation to better understand your auditory system. This may include: A detailed case history to learn when your symptoms began and how they affect your life. Hearing tests to identify any underlying hearing loss. Advanced diagnostic tools to pinpoint potential causes. Step 2: Personalized Treatment OptionsOnce we identify your specific needs, we create a treatment plan. Options may include: Hearing aids with tinnitus therapy features: For many, tinnitus is linked to hearing loss. Modern hearing aids not only improve hearing but also include sound therapy programs that mask or reduce tinnitus perception. Sound therapy devices: These emit calming soundslike ocean waves or gentle white noisethat help the brain focus on external sounds rather than internal ringing. Tinnitus retraining therapy (TRT): This combines sound therapy with counseling to train the brain to perceive tinnitus as less bothersome over time. Cognitive-behavioral therapy (CBT): Emotional support and counseling can reduce the anxiety and stress associated with tinnitus. Lifestyle recommendations: We help patients identify habits that worsen tinnitus, such as excessive caffeine, alcohol, or unmanaged stress, and provide practical strategies for improvement. Step 3: Ongoing SupportTinnitus care doesnt end with one appointment. We believe in long-term management and partnership. Through follow-up visits, adjustments, and continuous support, we ensure that youre not just copingbut truly improving.Advanced Technology for Tinnitus ManagementTechnology has come a long way in helping people live better with tinnitus. At Longmont Hearing and Tinnitus Center, we offer access to cutting-edge solutions, including: Bluetooth-enabled hearing aids that stream customized soundscapes directly from your smartphone. App-based sound therapy that allows you to personalize background sounds anytime, anywhere. Integrated counseling tools within hearing devices that provide relaxation exercises and progress tracking. These innovations empower patients to take an active role in their tinnitus management and bring relief directly into their daily routines.Why Choose Longmont Hearing and Tinnitus Center?There are many clinics that offer hearing services, but few specialize in tinnitus with the same level of dedication we provide. Patients choose us because: Expertise: Our team has specialized training in tinnitus assessment and treatment. Personalized care: We take time to understand your needs and goals. Comprehensive services: From diagnostics to advanced therapies, we offer a full spectrum of care under one roof. Local commitment: As a part of the Longmont community, were dedicated to supporting our neighbors with compassionate, accessible care. Our goal is simple: to reduce the burden of tinnitus and restore your quality of life.Taking Control of Your TinnitusWhile there is no universal cure for tinnitus, there is real hope. Many patients find significant relief through modern therapies, especially when guided by a knowledgeable care team. By addressing both the auditory and emotional aspects of tinnitus, we help you reclaim peace and quiet in your daily life.If youve been struggling with ringing in your ears, dont wait any longer. Relief is possibleand it starts with a single step.Schedule Your Consultation TodayYou dont have to live with the constant noise of tinnitus. At Longmont Hearing and Tinnitus Center, were here to help you explore proven options and find a path toward relief.Contact us today to schedule a consultation and take the first step toward better hearing and a quieter mind.Final ThoughtsTinnitus can feel isolating, but you are not alone. Millions of people experience it, and with the right care, most can significantly reduce its impact. At Longmont Hearing and Tinnitus Center, we are committed to walking this journey with youproviding guidance, tools, and compassion every step of the way. Your world doesnt have to be defined by ringing. Together, we can help you move toward clarity, calm, and a renewed sense of well-being.
How Transition Solutions Makes Senior Moving Easier:Making the decision for a loved one to move into a senior housing community can be both emotional and overwhelming. Families want to ensure their parents or relatives are comfortable, safe, and surrounded by familiar comforts, but the logistics of moving, downsizing, and storing belongings can feel daunting. Thats where Transition Solutions of Mobile, Alabama steps in. As a trusted moving and storage company specializing in lifes key changes, Transition Solutions helps families manage every detail of the moveso their loved one can feel at home right away, and cherished possessions are safely stored for the future.A Mission of Care and ComfortTransition Solutions was founded on a simple but powerful mission: to ease your transition by offering seamless, stress-free services and making your new location feel just like home. Every family and every move is unique, especially when it comes to transitioning into senior housing. Thats why the company offers customized services that go far beyond basic moving.By providing planning, packing, transporting, downsizing, and storage, Transition Solutions becomes more than just movers. They become partners in one of the most important journeys your family will make.Personalized Planning for Peace of MindThe first step of any successful move is planningand Transition Solutions knows how critical this stage is when helping older adults relocate. Families are guided through the entire process step by step, from scheduling the move to making item-by-item considerations. This personalized support helps ease the stress that can come with deciding what to bring to a smaller living space and what should be stored for safekeeping.For seniors, letting go of belongings can be especially emotional. Transition Solutions helps by approaching each decision with compassion and patience, ensuring that every item is given thoughtful consideration.Packing With CareOne of the greatest reliefs families feel is knowing that professional movers and not busy friends and family are handling the heavy lifting. Transition Solutions offers packing services complete with supplies and labor, bundling everything for convenience. Every item is packed with care, from fragile keepsakes to furniture, so families can focus on spending quality time with their loved one instead of taping boxes.Safe and Reliable TransportationOnce everything is packed, Transition Solutions takes responsibility for transporting belongings safely and securely. Their certified trucks are equipped for both local and long-distance moves, meaning families dont have to worry about logistics if a senior housing community is outside Mobile, or if theyre moving in from across the county. The team treats every belonging as if it were their own, ensuring safe handling during loading, transportation, and unloading.Making the New Space Feel Like HomeOne of the unique ways Transition Solutions goes above and beyond is with their decorating services. Moving into senior housing isnt just about relocating furniture, its about creating an environment that feels familiar and comforting.Transition Solutions coordinates everything from furniture arrangements to hanging pictures on the walls. They can recreate the feel of a loved ones former home or adapt their treasured belongings to fit the new space in a way that still reflects their personality. For seniors, these thoughtful touches can ease the emotional stress of moving and make the transition smoother.Downsizing and DeclutteringFor many families, moving into senior housing also means downsizing. Larger homes often hold decades of memories and belongings, making it difficult to know what to keep and what to let go of. Transition Solutions brings experience and compassion to this process.They assist with decluttering and removing unnecessary items, helping families prioritize whats most important. But downsizing doesnt mean saying goodbye forever. Items that arent needed right away can be safely stored or warehoused for later. This balance allows seniors to simplify their space without feeling like theyve lost touch with their past.Storage and Warehousing OptionsTransition Solutions also offers one of the best storage solutions in Mobile, Alabama. With over 1,500 units across four facilities, families can choose the storage option that fits their needs. Self-storage units provide secure, unmanned access for families who want to manage belongings themselves. Company-controlled warehousing adds another layer of convenience, allowing Transition Solutions to store, manage, and even re-deliver items when needed.This flexibility ensures that cherished possessionsfrom heirloom furniture to photo albumsare preserved until the family is ready to use them again.A Local Company With a Personal TouchIn an age where many moving companies are large national chains, Transition Solutions is proud to be a local Mobile-based business. Families who choose them arent just hiring moverstheyre supporting a small business that understands the needs of the local community. By shopping small and choosing local, families benefit from a personal touch and genuine care that larger companies often cant provide.Supporting Families Through Lifes ChangesEvery family experiences key moments of transition while some are joyful, some are bittersweet. Moving a loved one into senior housing is one of those times when support matters most. Transition Solutions of Mobile, Alabama, provides more than moving and storage services, they provide peace of mind.From carefully packing cherished belongings, to thoughtfully decorating a new home, to offering secure storage for items that arent ready to be parted with, Transition Solutions ensures that seniors and their families can focus on what matters most: settling into this new chapter with comfort, dignity, and love.After a loved one has passed, Transition Solutions is ready to assist with the sensitive removal of their personal effects. This important step allows families the time and freedom to focus on honoring their loved one and handling all necessary post-life services with dignity.In lifes key transitions, you dont have to do it alone. Transition Solutions is here to help your family every step of the way. To learn more about Transition Solutions senior moving and storage services, contact their director of operations at 251-377-9048 today and discover how they can help your loved one transition with ease.
For many older adults in Colorado Springs, El Paso County, and Teller County, the idea of moving can feel overwhelming. A home is often filled with memories, belongings collected over decades, and the comfort of familiarity. Yet life has a way of nudging us toward new chapterswhether that means downsizing, relocating closer to family, or preparing for a transition into assisted living.Thats where Shari Hall comes in. Known as a concierge realtor with the Seniors Real Estate Specialist (SRES) designation, Shari has built her career around helping seniors navigate not just the logistics of buying and selling real estate, but the emotional and practical aspects of moving as well. Her motto is simple but powerful: Experience makes a difference, and heart makes a way.A Realtor Who Understands SeniorsWhat sets Shari apart isnt just her years in the real estate market, but her background in senior living. That experience has given her insight into the challenges older adults face when considering a move. She understands that decisions about downsizing, relocation, estate clean-outs, or home selling arent just financialtheyre deeply personal.With her SRES designation, Shari is uniquely qualified to guide seniors and their families through every step of the process. From preparing a property for the MLS listing with staging and repair programs to arranging mobile closings for convenience, she provides a full-service approach designed to make transitions easier.Concierge Services Beyond Real EstateSharis role goes far beyond that of a traditional realtor. She offers concierge-level services that address the broader needs of seniors during major life changes. This may include connecting clients with move management experts, professional organizers, or trusted partners for estate sales and estate clean-outs.Her clients often benefit from additional resources like: Repair and staging programs to maximize home value Move management services to ease the stress of relocating Organizing services to help simplify the downsizing process Concierge services that coordinate everything from contractors to cleaning crews By offering more than real estate expertise, Shari ensures her clients feel supported in both the big decisions and the small details.Serving Colorado Springs, El Paso County, and Teller CountySharis knowledge of the Colorado Springs area gives her clients an advantage when exploring housing options. Whether the goal is to find a low-maintenance condo, purchase a single-family home, invest in a multi-family property, or explore land acquisitions, she tailors her approach to meet each clients needs.Her services also extend to families managing a parents estate, younger buyers seeking their first home, or those exploring lease-to-own opportunities. While seniors remain her specialty, her deep understanding of the market allows her to serve all generations with confidence.Real Estate with HeartAt the core of Sharis work is compassion. She knows that leaving a home is rarely just about financesits about memories, routines, and comfort. Thats why she approaches each client with patience and empathy, walking them through the process at their pace.Clients often remark that her ability to combine professionalism with a personal touch makes the difference. She listens, provides guidance, and helps remove the stress from what can be a difficult time.Helping Seniors Transition SmoothlyRelocating later in life doesnt have to be overwhelming. With Sharis guidance, seniors can move into their next chapter with peace of mind. Whether the transition involves downsizing to a smaller home, moving into assisted living, or exploring housing alternatives, she provides clarity and reassurance every step of the way.Her ultimate goal is simple: to make sure seniors and their families feel supported, informed, and confident in their real estate decisions.Experience and Heart in ActionFrom MLS listings and mobile closings to distressed properties, real estate acquisitions, and even estate clean-outs, Sharis concierge services touch every corner of the process. She is more than just a realtorshes a trusted partner during one of lifes most important transitions.For seniors in Colorado Springs, El Paso County, and Teller County, that kind of support can make all the difference.Moving Forward with ConfidenceIf you or a loved one are considering a move, downsizing, or exploring senior housing alternatives, Shari Hall is ready to help. With her combination of professional expertise and compassionate service, she ensures that every transition is handled with care.Because when it comes to real estate, experience makes a differenceand heart makes a way. Call Shari today to discuss your specific situation and discover how a concierge realtor for seniors can make your move smoother, simpler, and more successful.