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With
the presidential election just a few weeks away, the public is naturally
interested in not just the outcome but what the results will mean for issues of
national importance. As a citizen, you likely share these concerns — but how
about as an investor? After the votes are counted — or even before — should you
make some moves in anticipation of possible changes in policy?
Let’s look at the big picture first, through
the lens of history. The financial markets have performed well — and at times,
not so well — under Democratic and Republican presidents alike. And the same is
true about which party controlled Congress.
While it might be an overstatement to say that
decisions made in Washington have no effect on the markets, it’s not always so
easy to draw a direct line between what happens there and how the markets
perform. For one thing, political candidates often make promises that are not
fulfilled, or, if they are, have different results than intended. Also, other
institutions can have a significant impact on the markets. For example, the
Federal Reserve, which controls short-term interest rates, can certainly affect
many market sectors. And there will always be external events, such as foreign
conflicts and even natural disasters, that can make short-term impacts on the
investment world.
So, rather than making changes to your
portfolio in anticipation of what might happen if certain candidates get
elected, or even in response to actual policy changes, look to other factors to
drive your investment decisions.
These factors should include the following:
• Your goals – You probably have short-
and long-term goals you’d like to achieve. For your short-term goals, such as a
wedding, a down payment on a house or a long vacation, you may want to invest
in instruments that provide stability of principal. For your long-term goals,
most important of which may be a comfortable retirement, you'll need to own a
reasonable number of growth-oriented investments.
• Your risk tolerance – When
you build and maintain your investment portfolio, you'll need to accommodate
your individual risk tolerance. All investments carry some type of risk, but
you need to be comfortable with the overall risk level of your investments.
• Your time horizon – Where
you are in life is an important consideration when investing. When you are
young and just starting out in your career, you may be able to focus more on
growth, as you have time to overcome the inevitable short-term market
downturns. But as you near retirement, you may want to consolidate any gains
you may have achieved, and lower your risk level, by moving your portfolio
toward a somewhat more conservative approach. Even in retirement, though, you
will need some growth potential to stay ahead of inflation.
• Your needs for liquidity –
As you invest, you’ll need to maintain an adequate amount of cash and cash
equivalents in your holdings. Without this liquidity, you might be forced to
sell long-term investments in case you have unexpected expenses.
In any case, when it comes to
investing, you may want to pay less attention to what names are on the ballot —
and instead “vote” for the longer-term strategies that reflect your needs and
goals.
Chad
Choate III, AAMS
828
3rd Avenue West
Bradenton, FL
34205
chad.chaote@edwardjones.com
This article was written by Edward Jones for
use by your local Edward Jones Financial Advisor.
Will Federal Medicaid Changes Affect Colorados Long-Term Care Medicaid? Heres the Answer President Trumps One Big Beautiful Bill (OBBBA) certainly includes far-reaching revisions to Medicaidcuts to provider taxes, new work requirements, tighter eligibility checks, and billions in savings over a decade. But Colorados long-term care Medicaidcovering nursing homes, home health, and other LTSS (long-term services and supports)has unique state safeguards that ensure it remains insulated from these changes. 1. Federal Cuts Mostly Affect Expansion and Non-Elderly AdultsThe OBBBAs primary targets are Medicaid expansion, non-disabled adults, and children, via work requirements and cost-sharing policies. These reforms are expected to phase in during 20272028. In contrast, long-term care beneficiariestypically seniors and people with disabilitiesfall under separate eligibility categories that the bill doesnt restructure. 2. States Can Shield Long-Term Care FundingColorado funds long-term care services through its Medicaid waiver system. The OBBBA reduces providers taxes and places new caps on expansion enrollment, but it does not limit waivers for nursing homes or home- and community-based services. Even without adjusting, Colorado can preserve funding by prioritizing these essential services over general expansion. 3. Colorados Bipartisan Commitment to Aging ServicesColorado has a long-standing commitment to supporting seniors and people with disabilities. In recent years, the state has steadily increased its share of state funds to match or exceed federal contributions, especially for the elderly population. With broad political consensus, any state-level attempt to curtail waivers would be unlikely. 4. Historical Stability Through Waiver ProtectionsSince implementing the Home- and Community-Based Services (HCBS) Medicaid waiver in 2004, Colorado has used it to support aging in place and reduce institutional costs. These waivers have remained stable across administrations and funding changes. Theres no indication that Trump-era reforms would dismantle this proven framework. 5. National Context Supports StabilitySources like KFF confirm that while OBBBA cuts the Medicaid expansion rate from 90% to 80%, and imposes red tape on enrollment, it does not overhaul LTSS (long-term services and supports). Even health-policy experts acknowledge the targeted nature of the reformfocused on non-elderly groups, not those needing long-term care. Bottom Line for Coloradans Trumps Medicaid changes will significantly affect parts of the system serving non-disabled adults, especially in expansion states. But Colorados long-term care Medicaiddriven by federal waivers, state obligations, and a bipartisan mandatestands apart. Residents access to nursing home care, home-based services, and support for people with disabilities is not at risk.
Top Questions to Ask Your Healthcare Provider: A Guide for SeniorsAs we get older, our health needs change. Regular checkups and open conversations with your healthcare provider become even more important. But lets be honestmost doctor visits feel rushed or even overwhelming. You have so much you want to discuss with your doctor, only to leave the office and suddenly realize you forgot to ask all the questions you had intended to.Thats why you have to be prepared. Asking the right questions can help you better understand your health, avoid confusion, and feel more in control of your care. If youre a senioror caring for onehere are the top 5 questions you should ask your healthcare provider. Print them out, jot them down, or keep them in your phone. These questions can help make the most of every visit.1. What screenings or tests do I need at my age?This is one of the most important questions to discuss with your doctor. Prevention is key to better health. Health screenings give you the opportunity to catch potential health issues early before they become serious. Thats especially important as we get older, since the risk of certain conditions (like heart disease, diabetes, cancer, and osteoporosis) increases with age. Some screenings are age-based, while others depend on your personal and family history. Common screenings for older adults may include: Blood pressure and cholesterol checks Bone density scan Mammogram or prostate exam Colon cancer screening Vision and hearing tests Diabetes screenings Ask your provider: Am I due for any screenings? How often should I get these done? Do I need any lab work or imaging? 2. Are all my medications still necessary?Its common for many seniors to take multiple medications to manage different health conditions. But over time, your health needs can change, and so can your bodys response to certain drugs. Thats why its important to regularly review your medications with your doctor. Some prescriptions may no longer be needed, while others might interact with new medications or cause unwanted side effects. Asking about your current medications helps ensure youre only taking whats truly helpfuland nothing more.Always bring a list of everything you are taking, including over-the-counter drugs as well as vitamins and herbal supplements.Ask your provider: Do I still need these medications?Are there any side effects I should watch for?Can any of these medications intereact with each other - or with over-the-counter vitamins or supplements I take? 3. What vaccines do I need to stay protected?Many people tend to think vaccines are just for children. But that certainly is not the case. As we age, our immune systems become weaker, making us more vulnerable to certain infections. Certain illnesses, like the flu, pneumonia, shingles, and COVID-19, can be more serious in seniors. Thats where vaccines come into play. Staying up to date on recommended vaccines can help prevent complications and keep you out of the hospital. Recommended vaccines for seniors often include: Flu shot (every year) Shingles vaccine (usually two doses after age 50) Pneumonia vaccine COVID-19 vaccines and boosters Tdap booster (for tetanus, diphtheria, and whooping cough) Ask your provider: Am I up to date on my vaccines? Do I need the shingles or pneumonia shot? What about the flu or COVID vaccines? 4. How is my memory and mental health?Its normal to forget where you put your keys now and then, but memory loss that affects daily life shouldnt be ignored. The same goes for feeling down, anxious, or lonely. Your mental health is just as important as your physical health, and it deserves attention too.Memory issues and mental health concerns often go unspoken. The earlier you talk about it, the more options there are to support your wellbeing and independence. It can help to talk openly with your provider about how you're feeling emotionallyespecially after big life changes like retirement, loss, or illness. If needed, your provider may suggest counseling, support groups, or safe treatments. Ask your provider:Is my memory okay for my age?Should I be concerned about confusion or forgetfulness?How do I know if I'm just feeling low or if I'm dealing with depression or anxiety?5. What can I do at home to stay healthy and prevent illness?Staying healthy isnt just about doctor visitsits about the choices you make every day at home. From the foods you eat to how active you are, small lifestyle habits can have a big impact on your overall well-being. Your provider can guide you on safe, practical ways to support your health right from the comfort of your home.Ask your provider:What kind of exercise is safe for me?Should I be eating differently at my age?How can I improve my sleep or energy? Speak Up and Be a Partner in Your Healthcare JourneyYour doctor is your partner in healthbut youre the expert on how you feel. Dont be afraid to ask questions, bring notes, or speak up if something doesnt make sense or feel right. There are no wrong questions when it comes to your health. At VIPcare, we specialize in senior-focused primary care. Our providers take time to listen, answer your questions, and tailor care to your specific needs. From preventive screenings to chronic condition management, were here to support your health and your goals. Call (251) 257-2886 today to schedule an appointment or learn more at www.getvipcare.com.
As we age, staying mentally, physically, and socially engaged is more important than ever. The good news? There are more ways than ever for older adults to stay connected, creative, and activeno matter their mobility, interests, or abilities.At Seniors Blue Book, we understand how essential purposeful living is at every stage of life. Thats why weve put together this list of the best hobbies and activities for seniors to enjoywhether living independently, receiving in-home care, or thriving in an assisted living or memory care community. 1. Creative Hobbies to Spark JoyEngaging in creative pursuits not only fuels the imaginationits also proven to reduce stress and boost cognitive function.Painting & Drawing No experience needed! Art classes are often available in senior centers or communities.Crafts & DIY Projects Scrapbooking, jewelry-making, knitting, or seasonal dcor projects offer both creativity and fine motor activity.Music & Singing Whether its joining a choir or simply enjoying a favorite playlist, music lifts the spirit and sharpens the mind. 2. Learning-Based Activities to Keep the Mind SharpLifelong learning improves memory and focusand its fun!Book Clubs Join in person or virtually to discuss novels and make new friends.Language Learning Apps like Duolingo make it easy to learn at your own pace.History or Trivia Games Great for memory support, especially for those in memory care environments. 3. Movement That Feels Good (and Does Good!)Staying active improves circulation, balance, strength, and mental health.Walking Groups Daily strolls offer gentle movement and meaningful conversation.Tai Chi & Chair Yoga These low-impact exercises improve balance and reduce stress.Gardening Great for physical activity, vitamin D, and a rewarding sense of purpose. 4. Games & Puzzles for Fun and FocusChallenge the brain while having fun!Board Games Try classics like Scrabble, Rummikub, or checkers.Card Games Bridge, solitaire, or poker nights foster social interaction.Puzzles From 100-piece jigsaws to Sudoku, puzzles offer a quiet and stimulating hobby. 5. Social Activities that Build CommunityStaying socially active is key to emotional well-being and overall health.Volunteering Whether helping at a library or mentoring youth, giving back feels good at any age.Clubs & Meetups From birdwatching to bowling, theres a group for every interest.Virtual Socializing Zoom calls and online meetups help bridge distance with loved ones. Why Staying Engaged MattersSeniors who regularly participate in hobbies and group activities often experience:Lower risk of cognitive declineReduced feelings of lonelinessImproved mobility and coordinationStronger sense of purpose and daily joyAt Seniors Blue Book, we believe every senior deserves a vibrant, connected life. Whether youre a caregiver, family member, or senior yourself, we invite you to explore resources that support a more fulfilling lifestyle. Explore Senior Services That Support an Active LifestyleLooking for the right environment or support for you or a loved one? Use our free Seniors Blue Book directory to find:Independent Living & Assisted Living CommunitiesIn-Home Care Services & Hospice ProvidersSenior Wellness ProgramsTransportation, Moving Help, Legal Services & MoreStart your search here: https://seniorsbluebook.comFinal Thought:Its never too late to try something new. Whether its painting your first canvas, planting a garden, or joining a walking groupevery small step adds joy, purpose, and connection to daily life.Share this article with someone you care about Lets help more families and seniors discover the joy of staying engaged at any age.
Hello, I'm Chad Choate a dedicated financial advisor in Bradenton, FL, I began my career with Edward Jones in 2017. As a financial advisor, I want to find out what's important to you and help you build personalized strategies to achieve your goals. As a lifelong Manatee County resident, I graduated from the University of South Florida and was a teacher in Manatee County before joining Edward Jones. My driving force is to change people's lives in a positive way, and what better place than my home to do that. Whether you're planning for retirement, saving for college for children or grandchildren or just trying to protect the financial future of the ones you care for the most, we can work together to develop specific strategies to help you achieve your goals. We will also monitor your progress to help make sure you stay on track or determine if any adjustments need to be made. Throughout it all, we're dedicated to providing you with top-notch client service. But we're not alone. Thousands of people and advanced technology support from our office can help ensure you receive the most current and comprehensive guidance. In addition, we welcome the opportunity to work with your attorney, accountant and other trusted professionals to deliver a comprehensive strategy that leverages everyone's expertise. Working together, we can help you develop a complete, tailored strategy to help you achieve your financial goals. I currently volunteer with the Manatee Hurricane football Broadcast and Booster Club, serve on my church's trustees council and have previously served as a leader in Young Life. I am a member of the Manatee Chamber of Commerce and an alumnus of their Leadership Manatee program. I have been married to my childhood sweetheart, Ashley, for 15 years and we have a son, Wesley, and daughter, Camryn. We enjoy watching our children play their sports and traveling as a family.
Hello, I'm Chad Choate a dedicated financial advisor in Bradenton, FL, I began my career with Edward Jones in 2017. As a financial advisor, I want to find out what's important to you and help you build personalized strategies to achieve your goals. As a lifelong Manatee County resident, I graduated from the University of South Florida and was a teacher in Manatee County before joining Edward Jones. My driving force is to change people's lives in a positive way, and what better place than my home to do that. Whether you're planning for retirement, saving for college for children or grandchildren or just trying to protect the financial future of the ones you care for the most, we can work together to develop specific strategies to help you achieve your goals. We will also monitor your progress to help make sure you stay on track or determine if any adjustments need to be made. Throughout it all, we're dedicated to providing you with top-notch client service. But we're not alone. Thousands of people and advanced technology support from our office can help ensure you receive the most current and comprehensive guidance. In addition, we welcome the opportunity to work with your attorney, accountant and other trusted professionals to deliver a comprehensive strategy that leverages everyone's expertise. Working together, we can help you develop a complete, tailored strategy to help you achieve your financial goals. I currently volunteer with the Manatee Hurricane football Broadcast and Booster Club, serve on my church's trustees council and have previously served as a leader in Young Life. I am a member of the Manatee Chamber of Commerce and an alumnus of their Leadership Manatee program. I have been married to my childhood sweetheart, Ashley, for 15 years and we have a son, Wesley, and daughter, Camryn. We enjoy watching our children play their sports and traveling as a family.
Hello, I'm Chad Choate a dedicated financial advisor in Bradenton, FL, I began my career with Edward Jones in 2017. As a financial advisor, I want to find out what's important to you and help you build personalized strategies to achieve your goals. As a lifelong Manatee County resident, I graduated from the University of South Florida and was a teacher in Manatee County before joining Edward Jones. My driving force is to change people's lives in a positive way, and what better place than my home to do that. Whether you're planning for retirement, saving for college for children or grandchildren or just trying to protect the financial future of the ones you care for the most, we can work together to develop specific strategies to help you achieve your goals. We will also monitor your progress to help make sure you stay on track or determine if any adjustments need to be made. Throughout it all, we're dedicated to providing you with top-notch client service. But we're not alone. Thousands of people and advanced technology support from our office can help ensure you receive the most current and comprehensive guidance. In addition, we welcome the opportunity to work with your attorney, accountant and other trusted professionals to deliver a comprehensive strategy that leverages everyone's expertise. Working together, we can help you develop a complete, tailored strategy to help you achieve your financial goals. I currently volunteer with the Manatee Hurricane football Broadcast and Booster Club, serve on my church's trustees council and have previously served as a leader in Young Life. I am a member of the Manatee Chamber of Commerce and an alumnus of their Leadership Manatee program. I have been married to my childhood sweetheart, Ashley, for 15 years and we have a son, Wesley, and daughter, Camryn. We enjoy watching our children play their sports and traveling as a family.