Steps to take before - and after - a divorce

            Achieving financial stability doesnt happen overnight it takes a journey. And, as with every journey, youll need to make some stops along the way. These stops, or milestones, can tell you how far youve gone and where you need to go next.            Milestone 1: Build a foundation            When youre first starting on your financial journey typically, when you are beginning your career youll want to build a foundation by acting on key issues, such as saving, paying down debts and investing for the future. Here are some suggestions:            Start your emergency fund. Eventually, youd like to have several months worth of living expenses kept in a liquid, low-risk account to deal with unexpected costs, such as large medical bills or a major car repair. For now, though, at least try to put away a few hundred dollars or a months worth of expenses. To make it easier, have some money moved automatically each month from a checking or savings account into your emergency fund.             Take your employers match. Contribute enough to your 401(k) and health savings account (HSA) to earn your employers matching contribution, if one is offered.            Pay down your higher-rate debt. Try to pay down as much high-interest, non-deductible debt as you can afford. If possible, refinance debt at lower interest rates.            Milestone 2: Gain a better foothold            Once youve got your financial foundation in place, and youre established in your career, consider these steps to gain an even better foothold:             Continue building your emergency fund. Try to get at least a couple of months expenses in this fund.            Put away more into your retirement accounts. If you can, try to put anywhere from 10% to 15% of your gross income into your 401(k) or similar employer-sponsored retirement plan.             Check your debt-to-income ratio. Divide your monthly debt payments by your monthly gross income to calculate your debt-to-income ratio. If youre paying a mortgage, try to keep this ratio to 35% or less. Without a mortgage, try for 20% or less.            Milestone 3: Keep moving forward            As you move into your middle years and beyond its time to further solidify your financial situation and keep making progress toward a comfortable retirement. These moves can help:              Maintain your emergency fund. By now, you should be able to keep up to six months worth of expenses in your emergency fund. A sizable emergency fund can help you if you need to switch jobs, and enable you to meet larger expenses without dipping into your long-term investments.            Review your retirement goals. At this stage of your life, you should review your retirement goals regularly to determine whether youre still on track toward meeting them. If you arent, you may need to adjust your investment strategies. Of course, your goals may have changed over time, and this, too, may require adjustments on your part. You may want to work with a financial professional who can suggest appropriate moves to help you on your way.            Reaching all these milestones will take diligence and commitment but it will be worth the effort in helping you on your journey toward financial stability.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.

Navigating Hospital Stays and Rehabilitation for Parkinsons Patients. This article is part of The Parkinsons Care Compass: A Caregiving Roadmap Guiding Families Through Every Stage, an educational series presented by At Your Home Caregiving of Texas. We are honored to walk beside families, offering specialized in-home care solutions to support every step of the Parkinsons journey. Hospital stays are a stressful experience for any family, but for individuals living with Parkinsons disease, hospitalization poses unique challenges that can significantly impact recovery and long-term health. When a Parkinsons patient requires surgery, treatment for complications, or recovery after a fall, family caregivers must act as advocates, organizers, and partners in care. Being prepared and informed is the key to ensuring a safe hospital stay and a smooth transition back home.At Your Home Caregiving of Texas understands these complexities and stands ready to help families through every step of the journey, providing expert support for rehabilitation and home-based recovery.Unique Hospitalization Challenges for Parkinsons PatientsParkinsons disease complicates hospital care in several critical ways: Medication Management: Parkinsons medications must be administered on a strict schedule to manage symptoms effectively. Delays or missed doses can lead to severe motor symptoms, confusion, and even hospitalization complications. Mobility and Fall Risks: Hospital environments are unfamiliar, and Parkinsons patients face an increased risk of falls due to balance issues and muscle rigidity. Cognitive Changes: Hospitalization can sometimes trigger or worsen confusion, memory problems, or delirium, especially in older adults with Parkinsons. Communication Difficulties: Some patients experience soft speech (hypophonia) or facial masking, making it difficult to express needs clearly to hospital staff unfamiliar with Parkinsons care. Being aware of these risks allows families to take a proactive role during the hospital stay, minimizing complications and ensuring the best possible outcome.Preparing for a Hospital Stay: Advocacy and PlanningIf hospitalization is scheduled (for surgery or planned treatments), preparation can make a significant difference:1. Create a Hospital Parkinsons PlanPrepare a simple one-page document outlining your loved ones: Current medications and exact times for administration Mobility limitations and fall risk status Communication needs Cognitive changes or dementia symptoms Preferences for therapy, rehabilitation, and home care after discharge Provide this information to the hospital staff immediately upon admission.2. Bring Medications to the HospitalBring a full list and ideally the actual medications in their original containers. In some hospitals, families can administer Parkinsons medications if theres a risk of delays.3. Assign an AdvocateDesignate a family member or professional caregiver to be present as much as possible, especially during medication times, shift changes, and physician rounds. Having a consistent advocate can prevent critical mistakes and advocate for the patients specialized needs.The Importance of Medication TimingOne of the biggest risks for Parkinsons patients in the hospital is missed or mistimed medications. Parkinsons medications like carbidopa-levodopa must be administered exactly as prescribed, sometimes multiple times a day, to prevent a sudden worsening of motor and non-motor symptoms.Tips for ensuring proper medication administration: Clearly document the medication schedule and insist it be incorporated into the hospitals care orders. Politely but firmly remind nursing staff of the critical importance of on-time dosing. Advocate for medication self-administration if allowed by hospital policy. Watch for any substitutions generic or alternate medications can sometimes affect symptom control. Families should feel empowered to respectfully advocate for their loved ones medical needs. Delay in Parkinsons medication can lead to avoidable setbacks in recovery.Understanding Rehabilitation OptionsAfter hospitalization, rehabilitation is essential for helping Parkinsons patients regain strength, balance, and function. Depending on the situation, rehabilitation may occur in: Inpatient Rehabilitation Facilities (IRFs): Specialized centers offering intensive physical, occupational, and speech therapy. Skilled Nursing Facilities (SNFs): Short-term stays focused on medical monitoring and therapy. Home-Based Rehabilitation: Therapy provided at home, which may be the best option for patients with significant mobility challenges or those at high risk of hospital-acquired infections. At Your Home Caregiving of Texas partners with rehabilitation therapists to support continuity of care at home, ensuring that exercises, safety measures, and care plans are followed consistently.Key Rehabilitation Goals for Parkinsons Patients Improving strength and flexibility Reducing fall risk through balance and gait training Enhancing fine motor skills (handwriting, eating, dressing) Improving swallowing and speech if affected Maintaining independence as much as possible Early rehabilitation after hospitalization is crucial for Parkinsons patients. Without it, the risk of decline, injury, and readmission significantly increases.Transitioning Safely Back HomeThe transition from hospital to home is a vulnerable time. Planning ahead is critical to prevent setbacks.Steps for a Successful Transition: Arrange Home Care Services Early: Schedule in-home caregiving services to assist with mobility, medication reminders, and personal care. Conduct a Home Safety Evaluation: Adapt the home environment to minimize fall risks remove tripping hazards, install grab bars, ensure proper lighting, and use assistive devices. Coordinate Medication Management: Update prescriptions, confirm medication supply, and create a clear medication schedule. Schedule Follow-Up Appointments: Ensure post-discharge physician and therapy visits are scheduled before leaving the hospital. Implement a Rehabilitation Plan: Continue physical therapy and exercise routines at home, guided by professional caregivers and therapists. At Your Home Caregiving of Texas specializes in providing comprehensive transitional care for Parkinsons patients. Our caregivers work alongside families and healthcare professionals to ensure that recovery continues safely and effectively at home.How At Your Home Caregiving of Texas Supports RecoveryFamilies managing Parkinsons care dont have to do it alone. Our services are designed to ease the burden of post-hospitalization recovery by providing: Personalized Care Plans: Tailored to the individuals stage of Parkinsons and rehabilitation needs. Medication Reminders and Assistance: Helping maintain the critical medication schedule. Mobility Support: Assisting with walking, transferring, and exercises to rebuild strength and prevent falls. Nutrition and Meal Support: Preparing nutritious meals that support energy and healing. Companionship and Emotional Support: Reducing anxiety, confusion, and isolation during the recovery process. Coordination with Healthcare Providers: Keeping families informed and ensuring therapy recommendations are carried out at home. We work hard to create an environment where patients can heal comfortably, maintain dignity, and reduce the risk of hospital readmission.Final ThoughtsHospital stays are never easy, especially when Parkinsons disease adds another layer of complexity. But with the right preparation, strong advocacy, and a smooth rehabilitation plan, families can help their loved ones achieve the best possible recovery.At Your Home Caregiving of Texas stands beside you every step of the way from hospital bedside to a safe and healing home environment. Our specialized Parkinsons care services ensure that patients get the compassionate, expert support they need to regain strength, confidence, and independence.When its time to transition home after hospitalization, trust At Your Home Caregiving of Texas to be your partner in care and recovery. At Your Home Caregiving of Texas is proud to support families living with Parkinsons disease through compassionate, expert care. For more resources and personalized caregiving solutions, explore the full Parkinsons Care Compass series or contact us today at 469-830-8414. Together, we can create a safer, stronger path to recovery one step at a time.  If someone you care about is facing the challenges of Parkinson's, know that you're not alonewe're always here to help.                                          

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.