Michigan residents in Eaton, Ingham, Ionia, Kent, Livingston, Macomb, Monroe, Oakland and Wayne counties with property damage from the Aug. 24-26, 2023 tornadoes, severe storms and flooding may now call or go online to apply for disaster assistance from FEMA.
To start the application process, contact FEMA by going online to disasterassistance.gov, downloading the FEMA app or calling the FEMA Helpline at 800-621-3362.
If you use video relay service, captioned telephone service or others, give FEMA your number for that service. When calling the FEMA Helpline, multilingual operators are available (press 2 for Spanish and 3 for other languages).
Federal assistance may include temporary lodging, basic home repairs and other disaster-related expenses.
Have the following information ready when you apply with FEMA:
A current phone number where you can be contacted.
Your address at the time of the disaster and the address where you are now staying.
Your social security number (or the social security number of a minor child in your household, if you’re applying on their behalf).
A general list of damage and losses.
Banking information if you choose direct deposit.
If insured, the policy number or the agent and/or the company name.
Those who already made repairs or started their recovery should still apply.
FEMA inspectors are trained to recognize damage caused by a disaster even after recovery has started, and they will discuss that damage with you when they come to your home. Be prepared to show repair receipts, photos and any other disaster-related documentation as well.
FEMA offers tips on how to be prepared for the assistance process (Courtesy, pxhere.com)
Important reminders after applying:
Keep important steps in mind when navigating your FEMA assistance process after the August severe storms, tornadoes and flooding.
Next, comes a call. Typically, after you apply, you will be contacted by a FEMA inspector to schedule an appointment. Be sure to answer the phone. The inspector’s phone number may be from out of state or show up on caller ID as “unavailable.”
Then, inspection day. The inspection includes looking at disaster-damaged areas of your home and reviewing your records. FEMA inspectors will carry an official photo ID and will never ask for bank information. They will also never ask for money and never require payment in any form.
The inspector will ask to verify the applicant’s name, address, contact information, occupancy, ownership status, household occupants and insurance coverage. Reasonable accommodations, including translation and ASL interpreters, are available to ensure effective communication with survivors.
Don’t forget to fill out and submit your U.S. Small Business Administration (SBA) loan application. After applying for disaster assistance, applicants may be referred to the SBA. There’s no obligation to accept a loan, but you may miss out on the largest source of federal disaster recovery funds if you don’t apply. If you don’t qualify for an SBA disaster loan, you may be referred back to FEMA for other types of grant assistance.
Finally, a decision will be sent to you. You will receive a letter explaining FEMA’s eligibility decision within 10 days after the inspector’s visit. Be sure to read it closely; it may explain additional steps needed to continue with the process. If you are eligible for assistance, you may receive a U.S. Treasury check or direct deposit based on what you selected during your application.
Getting help to those who need it most is FEMA’s priority. Recovery teams will be out soon in the neighborhoods affected by the disaster to provide one-on-one support to individuals. Recovery centers will also be opening for individuals to get additional in-person help.
For even more information about the disaster recovery operation in Michigan, visit www.fema.gov/disaster/4757.
Youth mental health has been declared a national emergency by the surgeon general.
“Far too many young people are struggling with their mental health and unable to get the support they need,” stated the U.S. Surgeon General’s 2021 Advisory. “We all have a role to play in supporting youth mental health and creating a world where young people thrive.”
“We feel State of the Child is extremely important,” said Brooke Jevicks, Chief Advancement Officer for WCS. “It’s about increasing awareness, educating ourselves on these important topics and strengthening yourself as an advocate.”
Prevention matters
WCS believes prevention is a key component to helping our youth.
“People need to understand how much prevention can matter. How many things are being caught sooner,” said Jevicks.
SOTC brings together local teens who will express their thoughts to the audience in pre-recorded messages.
The teens will touch on their own personal thoughts and experiences with mental, emotional and physical health. What they are seeing peers deal with regarding stress, anxiety, family life, life online and recognition of healthy v. unhealthy relationships will also be part of the local teens’ message.
Local teens share their experiences and concerns (Courtesy, pxhere.com)
A panel of community leaders will discuss the concerns raised by the teens. Maranda, Children and Family Services Manager for WOOD TV8, will guide the conversation.
The SOTC panel will consist of representatives from the local court system, school system, and healthcare system. A community therapist and a WCS therapist from their residential care program will also join the panel.
An audience Q&A session will follow the panel discussion, succeeded by deep-dive breakout sessions.
Participants will be able to attend a breakout discussion from both Session A and Session B.
Session A topics:
Panic Attacks 101
Understanding & Overcoming Digital Addiction: A Deep Dive into the Digital World
Breath of Fresh Air: The Truth About Vaping
Session B topics:
Dating: Then v. Now – Teen Relationships in the Age of Technology
Changing the View and Narratives Surrounding Mental Illness & Suicide
Unpacking the Invisible Backpack: Understanding the Impact of Childhood Trauma on Young Mental Health
Personal testimony
SOTC is thrilled to feature award-winning mental health advocate and speaker Ross Szabo as keynote speaker.
One of the most sought after mental health speakers in the country, Szabo has spent over half his life finding ways to make mental health approachable.
Diagnosed at age 16 with bipolar disorder, Szabo attempted to take his own life at age 17.
“He really knows what it’s like to suffer internally, and he’s worked hard to turn all of his personal trials into testimonies,” said Jevicks.
“It will be amazing to listen to him talk about how to navigate life’s challenges, and his perspective on how to aid today’s youth,” Jevicks said.
Expert care and services
In addition to the annual SOTC conference, WCS – one of the most highly regarded mental health and behavioral health facilities in Michigan – offers a variety of services and care.
WCS is committed to supporting children and families (Courtesy, pxhere.com)
WCS is known for their residential care, and for taking on the toughest cases for children who have been chronically neglected and physically or sexually abused. All WCS services offer expert, trauma-focused, evidence-based, therapeutic care…and love.
“We are committed to supporting children and families through mental health, emotional health, behavioral health and spiritual health,” said Jevicks. “We have a deep love for the people in our care [and] want to extend Christ-like love and grace to them.”
Among WCS services is a home for youth saved from human trafficking, and an entire certified staff dedicated to helping children overcome addiction.
WCS’s school prevention program, Positive Youth Development (PYD), teaches kids to understand and value their worth through a variety of programming.
“We are doing a lot of really important work to help each child in our care find their true self,” said Jevicks. “Our team reaches thousands of teens with preventative programming.”
Kids = The Future
Support children by educating yourself first (Courtesy, First Steps Kent)
“Kids are our future,” said Jevicks. “They are future leaders, future decision makers, our future coworkers.
“We have to take care of them. In order to take care of them, we have to be doing things like this event. Raising our awareness, educating ourselves, and becoming stronger advocates. Too many people are struggling with their mental health, and it’s not just kids. It’s adults too.”
“There’s been a lot of effort put into it, but there’s still quite a ways to go,” said Jevicks, adding that there is a lot to be said about businesses being involved in SOTC.
“Businesses should be sending their leaders to [SOTC], and getting a grasp on what today’s youth are facing and dealing with so we can have better benefits in place and better support systems [for] our future employees.”
Value of SOTC
Jevicks said that hearing local kids candidly share their realities at SOTC each year is eye-opening.
“Then community experts and leaders get insight into those barriers and provide practical ways to face those barriers together,” said Jevicks. “You always walk away knowing more than before.”
“Ultimately,” Jevicks continued, “if you have kids, if you work with kids, care about kids, or are invested in the future of our community, you want to attend Wedgwood’s SOTC.
“It takes all of us to positively impact each other and tackle this topic.”
Registration, Sponsorships and Notes
Attendees can receive continuing education credits for attending SOTC. SCECHs are available. CEUs are available pending approval.
WCS says they are grateful to all their sponsors, but specifically Title Sponsor, Fifth Third Bank.
“That’s really helped us be able to bring the speaker in and grow this event, providing more information to people,” said Jevicks.
Register for SOTC and/or become a SOTC sponsor by clicking here.
Financial resolutions are one of the top two resolutions people make at the beginning of each year. Yet 95% of financial resolutions are not met.
Many families have acquired a “debt hangover” as they move out of the holiday season and into the new year. New financial resolutions are made to get their financial situations on track, but rarely met.
This often compounds the problem, adding even more debt.
“Our relationship with money affects how we treat money,” says Livingston.
Livingston went on to say that debt hangover is often created from not living within your means, but is compounded by not preparing properly.
“It’s people not checking and balancing, not planning right, being impulsive – there are just so many things,” says Livingston.
Make purchases within your means (Courtesy, pxhere.com)
When making purchases such as a home, many people buy with “stars in their eyes.”
“They want the pretty, shiny thing instead of the reality of where they’re at,” says Livingston. “That’s how people end up being house poor and living paycheck to paycheck.”
Those living paycheck to paycheck often have to finance special occasions – such as Christmas – on credit cards. This can take years to pay off.
Wages are also not keeping up with the cost of living.
The median (average) household price in Kent County and Ottawa County and the median household income are not equal.
“Debt hangover is not only an issue every holiday, but because people just don’t make enough money,” Livingston says.
Is there a solution?
Continual financial literacy and financial education are part of the solution.
Though there is a wealth of financial resources and knowledge available, financial education in school systems is lacking.
Financial problems will come – be sure you are ready (Courtesy, pxhere.com)
“Even with so many resources available to us, people have so many things they don’t understand when it comes to financial literacy,” says Livingston. “And because they don’t know, they make mistakes.”
Fixed debt vs. revolving debt, debt stacking and fixed interest rates are some options for paying off debt.
The first step, however, is to put a plan in place. That plan should include an emergency fund, a short-term needs fund and a long-term needs fund.
“Getting rid of the debt is important, but what’s also important is making sure that you’re consistently filling your emergency fund,” says Livingston. “It’s not a matter of if you’re going to have a financial issue, it’s a matter of when.”
At times, multiple sources of income – even for the short term – might be needed.
Patience will also be needed since results are not instant. Instead, those results build into a compound effect.
“Many people get so narrow-focused that the only thing they can focus on is debt,” says Livingston. “What you focus on grows.”
Budget = Freedom
Control your money, don’t let it control you (Courtesy, pxhere.com)
“Some people think budgets put handcuffs on them,” says Livingston. “It doesn’t put handcuffs on you, it helps you understand where the money is coming from and where the money is going.”
For 19 years, Livingston lived paycheck to paycheck. She finally decided to track her spending to understand where the money was going.
“Once I understood the pattern of how spending was happening in my household, I realized I was the problem,” said Livingston. “And I was the solution.
“In nine months, I had shifted my spending and it allowed me to buy brand-new furniture for cash. I now controlled my money instead of my money controlling me, and it gave me freedom.”
Don’t give up…break it down
“Sometimes you might feel like you want to just give up,” says Livingston. “But you can make it happen.”
Livingston admits that changing mindsets may be hard work, but taking big dreams and breaking them down into smaller pieces can help.
“It’s not about perfection,” says Livingston. “All you need to do is focus on your progress; it’s really about progress.”
Seeing progress through tracking can help keep you motivated (Courtesy, pxhere.com)
How do we focus on progress?
“You can’t change everything all at once, so pick a max of three things that you’re working on and track them,” says Livingston.
Why do we need to track progress?
“We need to track our progress because our mind plays tricks on us,” Livingston says. “Especially at the end of the day, we want to give up.”
Livingston suggests tracking those three things for 90 days, remembering that – if you fall off the wagon – it’s not about perfection, it’s about the progress that you are making toward your goals. Progress is found in each small step.
Gratitude is an important part of the financial process (Courtesy, pxhere.com)
Gratitude = Less Debt??
Tracking the things you are grateful for is also important.
“I have a journal that I write in. Every day I write three things that I’m grateful for,” says Livingston. “Sometimes they’re financially related, sometimes they’re not.
“But when you’re focused on what you are grateful for, believe it or not, you spend less money.”
An outside perspective
For those unsure of what to track or where to begin, partnering with a financial advisor can help.
“Sometimes it takes an outside eye to take a look at what you’re doing, and point out those things that you’re missing,” says Livingston. “When we’re so close to it, we can miss it.”
Living debt free is possible with a plan (Courtesy, pxhere.com)
Living debt free
“It doesn’t matter if people have $10,000 of credit card debt or $100,000, they can be debt free – if they don’t accumulate anymore debt – in less than four years,” says Livingston.
It starts with a budget, then an emergency fund, a plan and sticking to the plan.
Above all, Livingston says, remember: “You’re the boss of your money.”
For more information on Primerica’s financial services, click here.
Human trafficking is a crime of exploitation that preys on the vulnerable.
This form of crime and abuse claims victims without discrimination. Traffickers will look for vulnerabilities in those of any age, race, ethnicity, sex, gender identity, sexual orientation, nationality, immigration status, cultural background, religion, socio-economic class, and education level.
Millions are victims of trafficking, and many of those victims are children (Courtesy, pxhere.com)
With approximately 27.6 million victims worldwide at any given time, human traffickers profit at the expense of the victims by compelling them to perform labor or engage in commercial sex.
And the number of human trafficking incidents is rising.
“There’s definitely been an increase in the amount of [trafficking] incidents that have happened over the past several years,” said Kali Jackson, Cook Claus Residential Therapist, WCS. “The big thing that’s coming into play is technology.
“A lot of individuals are experiencing their first grooming incidents online.”
However, many times predators are much closer to home than people realize – and they are targeting children.
Trafficking is highly relational
Traffickers create relationships with their victims first.
“They become friends with them online, or it may even be a loved one or family member – but they have some sort of connection with that client,” said Jackson.
The predator must first know the victim’s needs in order to offer a solution and make the perpetrator appear safe. Often the most susceptible and vulnerable are children.
One of Wedgwood’s Residential Homes (Courtesy, WCS)
“We typically see individuals getting into trafficking between ages 12 and 16,” said Jackson.
Nearly half of child trafficking cases worldwide involve family members, with family involvement in child exploitation almost four times higher than in cases of adult trafficking.
Because of this, children may not recognize themselves as victims.
Even if they do, fear can prevent children from seeking help. Those fears can come from fear of law enforcement, fear of returning to an abusive home, of being deported, or of harm befalling their loved ones. Victims may also feel a sense of guilt or shame that causes them to remain silent.
It is also important to understand that, though many traffickers are male, women can also be perpetrators. Some traffickers work in groups consisting of both men and women.
The common denominator
Lyrics to a song residents wrote together in music therapy (Courtesy, WCS)
Whether a child or an adult, vulnerability remains the common factor.
As the therapist for Wedgwood’s residential home that serves human trafficking victims ages 12-17, Jackson is no stranger to seeing that vulnerability firsthand.
“I’ve been in this position for four years, and every story is so unique,” said Jackson. “But the one thing always in common is that vulnerability.
“Every single one of my clients, when they talk about why they got into human trafficking, [say] they felt unloved, they felt vulnerable enough to allow anyone to give them that love and attention.”
A dysfunctional home life is one of the main catalysts for involvement in human trafficking.
“Maybe they’re running away from home, or they’re displaying images or messages online suggesting that they’re not happy at home,” said Jackson. “They’re looking to try to fill that void of the relationship they don’t have with their parents with anyone out there willing to give it to them.”
How can we stop the cycle?
Wedgwood Christian Services (WCS) is dedicated to preventing human trafficking by bringing awareness to the community and urging people to educate themselves on the dangers and signs of human trafficking.
Prevention of human trafficking, Jackson believes, begins in the home.
“It first starts with having, and modeling, positive relationships in the home,” said Jackson. “A lot of times when we see youth seek out that negative attention, it’s because they’re looking to fill that void they’re not getting in the home.”
WCS residents participating in a “Let Go, Let God” activity (Courtesy, WCS)
Creating a safe space at home for children to give voice to their feelings is crucial.
Having open conversations with children about warning signs they should look for online is also essential.
Jackson urges parents to be aware of current street language, their children’s social media use, and who their children talk to.
Red flags to watch for can include changes in a youth’s personal hygiene, the amount of cash they have on them, and evidence of sexual activity.
Educate, educate, educate
Continual education regarding human trafficking is encouraged.
“This is a topic that continues to grow, and there’s more information on it all the time,” Jackson said.
Tip sheets provided by WCS can help with that education and understanding:
Respiratory viruses are on the rise in Michigan and in Kent County.
The Centers for Disease Control and Prevention (CDC) monitors flu activity across the U.S. and now categorizes Michigan’s flu activity level as high. Local hospitals are seeing an increase in upper respiratory illnesses including influenza, Respiratory Syncytial Virus (RSV), and COVID.
(Courtesy, Kent County Health Department)
The rise in the three illnesses has many of us feeling the symptoms which may include runny nose, congestion, and coughing. But how can you tell if what you have is a common cold or something more severe?
COVID has changed
For people who are up to date on vaccination the symptoms are much less severe and can easily be confused with a cold. At first, one of the telltale signs of COVID was the loss of taste and smell. Health officials say that isn’t happening as much anymore because of the level of immunity people have acquired from having the illness, getting vaccinated, or both.
If it is COVID, you may have stomach issues like nausea, vomiting, and diarrhea. The flu and RSV do not usually have these symptoms. If you are having gastrointestinal issues with your other symptoms, you should consider a COVID test.
Symptoms for respiratory illnesses can vary (Courtesy, pxhere.com)
RSV symptoms
RSV can be fairly mild, but for people over 65 and children the illness can become very severe. Medical professionals say RSV patients will typically have wheezing or symptoms that look like asthma flare ups. RSV symptoms usually in stages over the course of 4 to 6 days.
Flu symptoms
The flu generally comes all at once. Sudden onset of symptoms like fever, cough, fatigue, body aches and a sore throat can seem to strike out of the blue. COVID, colds and RSV do not do behave that way, instead a person may have new symptoms for several days when they have become infected with those illnesses.
This chart can help you interpret your symptoms:
Respiratory Illness Symptoms (Courtesy, KCHD)
I have some of these symptoms, now what?
When you are feeling symptoms, medical professionals say that getting tested for COVID should be the first thing on the list. If that is negative, it is wise to get a flu test. After a positive flu test, you may be prescribed antiviral drugs like Tamiflu that can dramatically shorten the number of days you suffer.
When to seek medical attention
You should seek medical attention immediately if you are experiencing severe flu symptoms like difficulty breathing, shortness of breath, dizziness, seizures or severe weakness or muscle pain.
Vaccine resources
Fortunately vaccines exist for COVID, RSV and influenza and there is still time to protect yourself if you have not received yours yet. Other simple steps you can take to protect yourself and others include staying home if you are sick and washing your hands correctly and often.
Call KCHD today to make your vaccine appointment at 616-632-7200.
Radon is the second leading cause of lung cancer in the United States. Estimates suggest radon kills 21,000 people from lung cancer each year in the United States.
Radon is an odorless, tasteless, radioactive gas formed by the natural breakdown of uranium in the soil. It seeps into homes through foundation cracks, floor drains, and sump crocks. Radon gas can accumulate in basements or lower levels of homes, especially during winter months when houses are kept closed.
This makes January the perfect time to test your home.
How to detect radon
The only way to determine if elevated levels of radon exist in your home is to test for it.
(Courtesy, KCHD)
Kits are easy to use and testing can be completed in less than a week. Testing for radon is recommended every few years or after completion of certain household construction projects.
The Kent County Health Department (KCHD) is offering free radon test kits to residents throughout January, coinciding with the U.S. Environmental Protection Agency’s designation of January as National Radon Action Month.
The radon kits are available to Kent County residents and must be picked up in person at any one of four clinic locations during regular business hours in January while supplies last. Click here for a list of clinic locations and hours.
Results and action options
Residents using the kits and the State of Michigan’s Department of Environment, Great Lakes, and Energy (EGLE) will receive the results. Residents can use the information when deciding on how best to pursue remediation, and EGLE gains a better understanding of the locations and prevalence of radon in Michigan.
EGLE Michigan Indoor Radon Results Map – see link below (Courtesy, KCHD)
For help understanding the test results, residents should the KCHD Environmental Health Division at 616-632-6900.
If elevated radon levels, above 4 pCi/L, are detected in your home, there are options to help reduce exposure. Radon mitigation systems are often installed to help vent radon gas collecting under a home to the outside atmosphere. Additional mitigation options include sealing cracks, gaps, and sump pits in a basement or installing vapor barriers.
Resource links
EGLE has developed a map of radon risk zones for Michigan. Kent County is typically categorized as having a moderate to high levels of radon.
Additional information about radon testing and how to remediate it can be found in these two KCHD podcasts:
Human traffickers prey on vulnerability – bringing them closer to home than most people realize.
Wedgwood Christian Services (WCS) is dedicated to preventing human trafficking by bringing awareness to the community and urging people to educate themselves on the dangers and signs of human trafficking.
Part of that education is recognizing the myths and truths surrounding human trafficking.
Not like the movies
Kali Jackson, Cook Claus Residential Therapist, Wedgwood Christian Services (Courtesy, WCS)
“One of the biggest myths that I see is that all human trafficking involves crossing of state lines,” said Kali Jackson, Cook Claus Residential Therapist, WCS. “A lot of times human trafficking is local, the community trafficking them within the city the individual lives in.”
Trafficking is not like movies often portray, with an individual smuggled or kidnapped by a stranger.
“A lot of times, an individual is groomed into willingly going into a relationship, but then they are manipulated to stay with physical tactics later on,” said Jackson.
Traffickers create relationships with their victims first.
“They become friends with them online, or it may even be a loved one or family member – but they have some sort of connection with that client.”
Jackson went on to say that the predator has to know about the victim’s needs in order to offer a solution, making the perpetrator appear safe. The predator then isolates the victim, causing the victim to feel that only the perpetrator can meet their needs.
“That’s how they get those clients to stay for so long,” Jackson said.
The bottom line?
“A perpetrator is looking for someone who’s vulnerable,” said Jackson.
As the therapist for Wedgwood’s residential home that serves human trafficking victims ages 12-17, Jackson is no stranger to seeing that vulnerability firsthand.
Predators look for vulnerabilities to exploit (Courtesy, pxhere.com)
“I’ve been in this position for four years, and every story is so unique,” said Jackson. “But the one thing always in common is that vulnerability.
“Every single one of my clients, when they talk about why they got into human trafficking, [say] they felt unloved, they felt vulnerable enough to allow anyone to give them that love and attention.”
Many times, that vulnerability is found in younger children.
“Frequently their first experience with someone grooming them or attempting to get them into the life of human trafficking, it’s very young,” said Jackson. “We typically see individuals getting into trafficking between ages 12 and 16.”
A perpetrator is looking to provide them with something they can’t provide themselves. An older individual who has maintained employment, housing, or a stable relationship doesn’t have enough vulnerabilities for the trafficker to easily sustain.
A dysfunctional home life is one of the main catalysts for involvement in human trafficking.
“Maybe they’re running away from home, or they’re displaying images or messages online suggesting that they’re not happy at home,” said Jackson. “They’re looking to try to fill that void of the relationship they don’t have with their parents with anyone out there willing to give it to them.
Predators look for ways they can provide what victims feel they lack (Courtesy, pxhere.com)
“[Predators] look for an individual who has some of those adverse childhood experiences, those traumas, and those vulnerabilities to feed off of.”
Once that relationship is built, the predator begins to abuse their power by making that client do sexual favors for them. That client often feels like they have to stay with them because their needs have been met by that perpetrator for so long, they don’t know how they will have shelter or food if they leave.
Fear of that perpetrator going after the victim’s parents, or doubt that their parents will believe them, can also cause the victim to stay.
Human trafficking on the rise
“There’s definitely been an increase in the amount of [trafficking] incidents that have happened over the past several years,” said Jackson. “The big thing that’s coming into play is technology.
“A lot of individuals are experiencing their first grooming incidents online. Displaying vulnerabilities on social media, having someone reach out to them, asking them to build that relationship…that may turn into human trafficking later.”
Not all chains trapping a victim are physical (Courtesy photo)
Jackson went on to say that a growing awareness of human trafficking has also caused an increase in incidents.
The knowledge that there is such a thing as receiving money, clothing, or shelter in exchange for services has caused victims to willingly enter trafficking situations while on the run from their family.
Psychological chains
Though many victims are physically locked down and unable to leave their situation, many times the chains are psychological.
“That is a myth in itself, that sometimes these victims physically are unable to leave, like they are chained up or behind locked doors,” said Jackson. “With a lot of my clients, they are forced to be in hotel rooms where they could walk out, but they’re fearful of what might happen [if they leave].
“Although the door isn’t physically locked, they have emotional chains on them.”
Trafficking stereotype
Though many people think traffickers are male, Jackson said that it is important to realize that women can also be perpetrators. Some traffickers work in groups consisting of both men and women.
“A lot of times we actually see women being the trafficker because they know that another woman would build trust with [the victim] easier than a male would,” said Jackson.
Stopping the cycle
Open conversations and a safe home environment are important (Courtesy, pxhere.com)
Prevention of human trafficking, Jackson believes, begins in the home.
“It first starts with having, and modeling, positive relationships in the home,” said Jackson. “A lot of times when we see youth seek out that negative attention, it’s because they’re looking to fill that void they’re not getting in the home.”
Creating a safe space at home for children to give voice to their feelings is crucial.
Having open conversations with children about warning signs they should look for online is also essential.
“A lot of times when clients come to us, they have a lack of education growing up,” said Jackson. “So when they get trafficked, they don’t necessarily know what they are getting into.
“They really thought they were getting into a safe relationship, but no one ever taught them what to look for, what is healthy and unhealthy, and those dos and don’ts when talking to someone online or in the community.”
Jackson urges parents to be aware of current street language, their children’s social media use, and who their children talk to.
Educate yourself and others to help prevent this crime (Courtesy photo)
Red flags to watch for can include changes in a youth’s personal hygiene, the amount of cash they have on them, and evidence of sexual activity.
Continual education regarding human trafficking is encouraged.
“This is a topic that continues to grow, and there’s more information on it all the time,” Jackson said.
Many women doubt themselves and stop moving forward (Courtesy, pxhere.com)
As the new year begins, many people are setting goals and resolutions to improve their lives. For some women, this means refocusing on their own dreams and aspirations. But for others, the start of a new year only brings added pressure and self-doubt.
Why is it that some women are so hard on themselves?
“Even at your lowest moments, you still need to move forward,” encourages Jánelle Marina Méndez Viera, who endured multiple adversities throughout her childhood and early adulthood. She is now passionate about helping other women overcome challenges.
“Maybe you’ve been told not to go for that risky job, or you’re afraid to relocate for your career because you’re a mom. It’s OK to be scared while you’re trying to figure something out. We all have moments when we don’t feel safe and comfortable. Risk taking throws you out of your comfort zone. As long as you’re not in danger, that discomfort will be part of your growth.”
Méndez Viera turned her adversities into a mission
Use negative experiences to fuel positive changes (Courtesy, pxhere.com)
Méndez Viera endured many obstacles as a child and young adult, including multiple forms of sexual violence and modern slavery, some of which happened while she served in the military.
Now in her early 30s, she is using those negative experiences to fuel positive changes.
Méndez Viera has lobbied for and achieved changes in nearly every level of government. She is an author, academic researcher, human rights activist, entrepreneur and public speaker. “This journey has cultivated a resilience and determination within me that I hope to use to inspire others,” she says.
Méndez Viera’s advice on how to overcome anything
For women who are struggling right now, Méndez Viera suggests taking some of the same steps she followed. They include:
1. Believe in yourself and don’t give up. “No one knows your strength and capabilities better than you. Remain assured in your abilities and potential, despite any negative voices around or within you. Read the stories of people who’ve come before you and overcame similar adversities. This is extremely helpful during moments of doubt and can provide reassurance when things are looking dim.”
Méndez Viera found role models in confident women, some of whom paved the way for her own technological and human rights achievements.
Take time for healing and self-care in all areas (Courtesy photo)
“In the 1940s, Hedy Lamarr invented the ‘frequency hopping’ technology that became Bluetooth,” said Méndez Viera. “Eleanor Roosevelt was instrumental in founding the United Nations. On a personal level, I had an aunt whose unconditional love and support inspired me to be a more compassionate person. And even though my own family was dysfunctional, I had friends who taught me how to have healthy relationships.”
2. Take time for self-care. “Healing emotionally and physically is integral to personal development. For me, this meant regular exercise, meditation, therapy and ensuring a healthy lifestyle. Find your go-to self-care activities and make them a regular part of your routine, especially during the points that you want to give up.”
3. Reach out for help. “It can be tempting to isolate oneself in difficult times, but I’ve found that reaching out to support groups, psychologists and networks of individuals who have faced similar experiences can be very helpful.”
4. Become an ambassador of change. “Activism provided me with a sense of purpose and passion. Use your experience to influence changes that can help others with similar struggles so that you are empowering others and making their journeys less painful and more about healing.”
Continually growing and learning is empowering (Courtesy, pxhere.com)
5. Never stop learning. “Continual growth and education served as a beacon of light in my darkest times. As an author and inventor, I found solace, purpose, and game-changing dynamism in the pursuit of knowledge and innovation. Resources like PTSD support groups, the Veterans Administration, counseling sessions, and various online platforms such as Veterans Crisis Line can be of immense help during troubled times.
“For me, reading research reports regarding various social sciences helped me understand the societal problems that caused my trauma. They empowered me to take meaningful actions for advocacy that led to me authoring the Restoration of Honor Act of 2019.”
She emphasizes, “Sometimes obstacles can be opportunities to learn more about yourself, and to create a better path for your life. You can learn to thrive even during hard times.”
The Consumer Product Safety Commission is working to educate parents and caregivers on safe sleep practices and products (Courtesy, pxhere.com)
By Rachel Rickman
WKTV Contributing Writer
Most infant fatalities are preventable is safe sleep practices and products are used (Courtesy, pxhere.com)
Parents and caregivers spend a great deal of time and money ensuring their baby’s safety and comfort. However, an adult’s concept of “comfort” can unintentionally become deadly to a baby.
Many of these deaths are preventable, and the CPSC is combating the issue from multiple fronts.
Nychelle Fleming, CPSC Communications Specialist, and Pam Rucker Springs, CPSC Office of Communication Director, are at the forefront of public education regarding the issue of safe sleep practices for babies.
Getting back to the basics
The purpose of the CPSC is to create transparency and accountability for consumers when it comes to the products they buy and use.
“There are so many products out there with fancy names, but we need to get back to the basics,” said Fleming. “Products that are intended for sleep according to federal regulations.”
The CPSC oversees 15,000 categories of products, working with manufacturers and retailers to let consumers know when there is a problem with a product.
“Almost everything in your home that you don’t eat or drink we have regulations to manage,” Rucker Springs said. “We’re the people that will let you know: ‘Hey, there’s a problem with this product and you need to contact the manufacturer.’”
Concerning data: baby sleep environments
Recent CPSC data shows that 100 of the 160 annual nursery product-related deaths were associated with the presence of extra bedding being added to bassinets or play yards.
The incline of a carseat can cause restricted airflow and suffocation (Courtesy, pxhere.com)
“It’s important to start with a product that’s intended for sleep,” said Fleming. “Your crib, your bassinet, your play yard, with just the fitted sheet, and only placing the baby on their back in accordance with the American Pediatrics recommendation.”
When it comes to a baby’s “comfort,” it is important to be aware that safety comes first.
“We want our babies to be comfortable like we’re comfortable, with lots of fluffy pillows and warm comforters, but that can be the worst thing you can do for baby,” said Rucker Springs.
Fleming added, “What can be appropriate for an adult can actually be deadly for babies who don’t developmentally have the ability to lift their head and nose away from soft bedding that can conform to their nose and mouth – or even incline products which cause them to go chin to chest. Again, that flat surface is the best for baby to sleep.”
Incline products produce risks because a baby can tilt chin to chest, causing a lack of airflow and suffocation.
“Even if your baby falls asleep in another product like a baby swing or car seat carrier, we tell you to transfer the baby as soon as possible to that crib, bassinet, or play yard: a firm flat surface,” Fleming said.
Ethnicity and infant deaths
Recent statistics regarding infant deaths due to unsafe sleep products and practices show Black families experiencing a higher number of deaths than other ethnicities. Rucker Springs connects those statistics to upbringing and cultural practices within communities.
The CPSC is working to raise awareness in all communities (Courtesy, pxhere.com)
“It has to do with the practices we all grew up with,” Rucker Springs said. “There are things we grow up with that are inherently unsafe for babies. But that’s what we’re (the CPSC) here to do: educate people as to why it may not be the best thing for your baby.”
Fleming added, “We’re trying to raise awareness where we’re seeing communities who are disproportionately affected. 160 deaths annually, and about 29% were African American children. We want to make sure everyone knows how to create a safe space for baby.”
When asked about information access within Black communities, Fleming said, “The commission has worked with the American Pediatric association for years, and the ‘Back to Sleep Campaign’ has been in effect for over 30 years, but we’ve found that African American families are still not necessarily getting that message—even the simple message of placing your baby on their back to sleep.”
“What our organization is trying to do is educate people at the community level and through trusted voices,” Rucker Springs said.
Information overload: How to keep up
When it comes to learning more about the commission and staying up to date on the latest safety recommendations and recalls, consumers can go to CPSC and CPSC Safe Sleep.
However, with an average of 300 recalls per year, Fleming says it is hard for consumers to keep up.
Signing up for alerts and following social media can help you stay informed (Courtesy, pxhere.com)
“We want consumers to sign up directly for recalls so they can learn about recalls directly through email notification,” said Fleming.
Go to CPSC Recalls and Safer Products to sign up for recall notices or report a problem with a consumer product.
Robust social media sites and outreach to other organizations are also a priority for the CPSC.
“Download the app, and (follow) our social media,” said Fleming. “We heavily use our social media – Facebook, Twitter (now called X), and Instagram – to get you information.”
“We’re reaching out to other trusted (community) platforms and channels, like churches, where a lot of folks get their messages,” said Rucker Springs, adding that they also have a neighborhood safety network where various product information is sent out via posters.
“Posters that parents can download and share with their schools, community groups, churches, and other community centers,” said Rucker Springs.
The difference between life and death
As a parent, the safety and comfort of your baby are everything. Having the most up-to-date information on safe sleep routines and products can literally make the difference between life and death.
Detailed information on recommended safety practices and product recalls can be found at CPSC.
Rachel Rickman is a freelance writer, editor, and former university English Instructor with a BA, MA, and MFA focused on writing. She grew up in Michigan’s Upper Peninsula, but currently resides in Rosarito, Mexico with her husband and son.
Much of her work focuses on “narrative recipes”—personal essays with recipe/cooking ideas.
Even legitimate websites can be impersonated as part of a scammer’s scheme (Courtesy, U.S. Army)
By Deborah Reed
WKTV Managing Editor
deborah@wktv.org
The online culture has opened doors for scam artists (Courtesy, pxhere.com)
In a culture revolving around online and media consumption, local law enforcement and government agencies are working to educate consumers on current scams and how to protect themselves from becoming victims.
Katie Grevious, Better Business Bureau Communications Specialist, told WKTV that falling victim to a scam has become more difficult to avoid as “scammers are becoming more crafty and creative.”
Grevious said that scammers use fear and a sense of urgency to prompt consumers into following their directives: “It is an emotional situation. Something is wrong, something bad is going to happen — that’s what gets people.”
Due to the number of consumers who now shop online, there are ample opportunities for scam artists to create situations involving that emotional response of fear and urgency.
An online society
QR codes boomed in 2020 as consumers needed quick and easy ways to function without physical contact during the pandemic.
QR codes can be used in a multitude of ways (Courtesy, pxhere.com)
Now, in 2023, QR codes seem to be everywhere.
“About 94 million U.S. consumers will use smartphone or QR scanners this year,” said a projection by eMarketer. “That number will grow to 102.6 million by 2026.
Access to menus at restaurants, payment for public parking, boarding a flight, or gaining access to a concert or sporting event are only a few ways QR codes are used. With countless other ways to use these codes, scammers have begun hiding harmful links within QR codes to steal personal information.
QR codes are convenient, but can be utilized by con artists (Courtesy, pxhere.com)
These scam links can take you to a site that looks real but is not, allowing scammers to steal information as you log in, or install malware that steals your information.
Covering up QR codes on parking meters with a custom made QR code is another way scammers con the average consumer.
Texting or emailing a QR code with a reason you should scan it is another. These texts and emails create the sense of urgency mentioned above as they:
Say they could not deliver a package and need you to contact them to reschedule.
Ask you to confirm personal information because there is a problem with your account.
Say there is suspicious activity on your account and you need to change your password via the attached QR code.
What you can do
Inspect URLs before you open them. If it is one you think you recognize, double-check there are no misspellings or switched letters.
If you think the message is legitimate, use a phone number or website you know is sound to contact the company as opposed to using the QR code.
Update phone operating systems to protect against hackers, and use strong passwords and multi-factor authentication to protect online accounts.
Preying on gift card buyers
Look for signs of tampering before purchasing gift cards (Courtesy, pxhere.com)
Copying gift card numbers and their activation codes from where they are kept in stores is a common and simple method of thievery. Once that gift card is bought and activated by an unsuspecting consumer, the fraudster is able to use that card for purchases.
Purchasing gift cards that are kept near checkout lanes where they are more easily seen, and ensuring the cardboard surrounding the gift card has not been tampered with in any way, are ways to protect against this.
Gift cards are used by scammers in a number of other ways as well. Information regarding these scams can be found here.
Porch pirates, phishing, and more
“Phishing emails and phishing texts are still high on the radar,” Keith Morgan, President and CEO of Wyoming-Kentwood Chamber of Commerce, told WKTV.
Phishing, defined as the fraudulent practice of sending messages designed to trick individuals into revealing personal information, is one of the most common conduits for fraud.
Grevious urges consumers to avoid emails that tell you to re-log into another account you may have, and offer a link to do so. Social media site names are regularly utilized for this scam, and are often ploys that will reveal your password to the sender.
Gaining access to one account can possibly grant scammers access to more (Courtesy, pxhere.com)
“Your Facebook password may offer a clue on how to get into more important accounts — like bank accounts,” said Grevious.
“People have a lot of similar passwords because it’s too hard to remember 200 different passwords to everything.”
An online scam could also be as simple as clicking on a link to track an order. Scam artists often use the names of larger corporations to send emails offering a link to track an order the consumer may not remember placing.
Grevious urges consumers to hover their computer mouse over the link, which will reveal a bar that states where it will actually take you. Hovering over the sender’s name to see the email address associated with that email is also a good idea. If it is a jumble of letters and numbers, it is not legitimate.
Also look at the browser — if there is a lock symbol and “https” listed there, it means it is a secure and authentic site.
“It is really important that people are vigilant all the time,” said Grevious. “Look for simple grammar and spelling mistakes. Big companies make sure everything is spelled correctly.”
Fraud can be in many forms, online and off (Courtesy, pxhere.com)
Fake deliveries are another popular scam.
“If someone says they dropped something off, or was sent to the wrong place, and want to confirm that it was sent to the right place [is a red flag],” said Morgan, adding that they will then try to get you to enter personal information.
Porch pirate thefts are a non internet-based scam that involves stealing delivered packages off residential and business porches.
Cameras at the front of the house or business can protect against thefts. Another option is to have packages delivered to a safe and secure place as opposed to the porch.
“Sometimes homeowners will have packages delivered to the side of the house if they are not going to be there,” said Morgan. “Some organizations with delivery services will allow you to have it delivered while you are at home so you know it gets there.”
Eliminate hurry, double-check sources
(Courtesy, pxhere.com)
Slowing down is also key to ensuring consumers don’t miss something important.
“Think before you act,” Grevious said. “Our culture has a quick-go pace. We do a lot on our phones, so we don’t do that double-checking and hovering. “You are in control of your information and who you are talking to. Think before you act.”
Consumers are also urged to speak up if they become victims of a scam.
“The more people let us know what is happening, the more we can help,” said Grevious.
In Gabon, like many places around the world, sometimes the personal note inside the shoebox gift is the most appreciated (Courtesy, OCC)
By Deborah Reed
WKTV Managing Editor
deborah@wktv.org
More than 4,500 locations will open to collect Operation Christmas Child shoebox gifts during National Collection Week, Nov. 13–20.
A Samaritan’s Purse project, Operation Christmas Child (OCC) has been collecting and delivering shoebox gifts—filled with school supplies, personal care items and fun toys—to children worldwide since 1993. In 2023, OCC hopes to collect enough shoeboxes to reach another 11 million children.
Kristeana Veenstra, OCC Area Coordinator for the West Central Michigan Team, and her husband Tracey have been packing shoeboxes for the past 15 years.
A life-changing impact
Tracey (left) and Kristeana Veenstra have packed shoeboxes for children for 15 years (Courtesy, Veenstra)
After hearing an announcement at church, Veenstra packed three shoeboxes that first year in 2008.
“It was a lot of fun,” said Veenstra. “We don’t have kids, but we love kids, so it was fun shopping, picking stuff out. Even if it’s practical, [I thought] how can I make the school supplies fun.”
In April 2009, Veenstra received a letter and picture from the mother of the little girl who received the very first shoebox Kristeana and Tracey packed.
“The mom was so thankful and appreciative that now her daughter has someone who cares about her in America,” said Veenstra. “[She] invited us to come visit in Burkina Faso (West Africa). It really made an impact.”
Such an impact that Veenstra started taking up more of a role alongside the OCC team leader at the time. Eventually, Veenstra found herself stepping into that leadership role.
Christmas…all year long
“Five years in, I found out there were year-round volunteers and I got super excited,” said Veenstra.
Sheer gratitude exudes from this boy’s face after receiving a shoebox gift in Antigua (Courtesy, OCC)
Part of the year-round team for the past 10 years, Veenstra has served as area coordinator for the last three years. With over 300 participating churches in West Michigan, that is no small feat.
“We help guide churches and businesses [through the process],” said Veenstra. “We love to come alongside the project leaders of those churches and make sure they feel supported and have all the resources they need.”
With 11 drop-off sites for shoeboxes in West Michigan, Veenstra strives to recruit even more sites.
“Sometimes we will discover a need in an area that doesn’t have one, so we will start looking for churches to see if we can recruit a new church that might be interested in being a drop-off,” said Veenstra.
Anyone can pack a shoebox!
Individuals, families, and groups still have time to transform empty shoeboxes into fun gifts. Find a step-by-step guide on the How to Pack a Shoebox webpage.
“Children around the world need to know that God loves them and there is hope,” said Franklin Graham, president of Samaritan’s Purse. “A simple shoebox gift opens the door to share about the true hope that can only be found in Jesus Christ.”
Veenstra added, “There is a part that anybody can play. There are so many different things and ways you can be a part of this ministry, that anybody can be part of it.”
The passion behind the shoebox
Kristeana’s team consists of 19 additional team members.
“My team is amazing, they are rockstars,” said Veenstra. “It is a passion of theirs to see kids who have maybe never received a gift, receive a gift, and to spread the love and joy that comes with them. You can really see the passion in them for this ministry.”
Veenstra and her team with Bonny (center) who received a shoebox as a child (Courtesy, Veenstra)
Veenstra remembers a woman who called her local location on the last day of drop-off to see if they would be willing to stay open late so she could deliver her packed shoebox.
“She took way longer to get there than they had expected,” said Veenstra. “It turns out, she had walked seven miles to get this shoebox dropped off because it was that important to her.”
Another project leader continued to lead shoebox packing on her own during COVID. Even though her church had shut down, the leader managed to collect over 300 boxes.
A year-long volunteer and project leader organizes a packing party each year.
“People tell me that they [help] because she has found a way to give them a purpose,” said Veenstra. “It gave them a sense of purpose they didn’t know they had.”
Responses from around the world
While it is rare to get a written letter back from a shoebox recipient because of the high postal cost in some areas, Veenstra said one volunteer’s daughter has email pen pals from all over the world.
“She has grown up doing this with her mom, so she has friends all over the world that she has gotten to know because they have received a shoebox that she packed,” said Veenstra.
After meeting with shoebox recipients in person, Veenstra says, “If that opportunity ever arises, I would tell somebody to drop everything and do it, because it will change your perspective on not just packing shoeboxes, but in so many things.”
“Love” notes
Veenstra said that receiving a shoebox reminds the recipient of Jesus’ love, and shows the recipient that someone else in the world is caring and loving as well.
Desire (crouching, center) received a shoebox as a child (Courtesy, Veenstra)
One gentleman received a shoebox containing a note that said: “Jesus loves you, and so do I.”
As a refugee, that man grew up believing and feeling that everyone hated him.
“They had no home, and he grew up with a lot of hate in his heart,” said Veenstra. “He received this shoebox, and he questioned whether or not his hate was justified because clearly not all people were bad.
“Notes are so incredibly important in shoeboxes because it creates that extra impact and connection.”
However, shoeboxes can be dropped off at any of the shoebox drop-off locations.
Participants can find the nearest drop-off locationand hours of operation with the online lookup tool that is searchable by City or ZIP code. Signs at each location will identify the drop-off.
“I don’t think people really realize that such a small shoebox can make such a huge impact,” said Veenstra. “This is such an amazing ministry, and I love being part of it.”
Let’s crush that goal!
A trio of girls in Mongolia rejoices over their shoebox gifts (Courtesy, OCC)
Since 1993, OCC has collected and delivered more than 209 million gift-filled shoeboxes to children in more than 170 countries and territories.
West Michigan packed 33,346 shoeboxes in 2022. Veenstra and her team have a goal of collecting 35,500 shoeboxes for 2023.
“We would love to completely crush that goal,” said Veenstra. “There are millions more children to get shoeboxes to.”
Millions of Americans experience symptoms of mental health conditions, with depression and suicidal thoughts currently at an all-time high. As the holiday season draws closer, awareness of this issue is crucial.
Jacklyn Eding, LLMSW and Wedgwood Christian Services (WCS) Trauma-Focused Therapist, says she has seen an increase in more mental health concerns surrounding depression and anxiety.
“We are seeing more suicidal thoughts and suicidal behaviors and higher depression due to external stimuli that we take in every day, but also due to the higher stress and demands of our environment and what’s around us,” said Eding.
Children and adolescents are seeing higher demands at school, but lower teacher numbers to provide that instruction.
Adults are experiencing lower paying jobs and/or higher expectations on their workload.
Continued effects of the pandemic
While an overarching societal issue, Eding says COVID has had a sizable impact on mental health.
“We all went through essentially our own traumatic experience with COVID,” said Eding. “We all went through a very, very high period of stress that – for the most part – we couldn’t really overcome. There was nothing for us to do, we couldn’t go out places. It was all very different for us.
“We are still feeling the effects of COVID. Even to this day, some people still have high anxiety due to illness, some people just have less employment. It’s definitely a contributing factor.”
Eding continued to say that her younger clients are struggling and behind in school due to struggles with online schooling. Infants and toddlers are struggling to learn how to be separated from a caregiver for an hour and know that caregiver will come back.
“That is a big time for emotional attachment development, and just attachment in general,” said Eding. “As families try to grow and develop healthy attachment styles, it’s definitely harder when there is no opportunity for a child to have that opportunity to experience independence for a short while with the knowledge that their caregiver will be coming back.”
Light at the end of the tunnel
But Eding says she does see a decrease in anxiety and depression on the horizon – though it will take time to reach it.
“I do see it coming back down,” says Eding. “There are a lot of options and encouragement for mental health right now. It’s no longer that mental health and mental illness have a negative stigma. It’s becoming a lot more prominent, and people are becoming more aware that if they really want to talk to someone after they see these symptoms, it is okay to seek help. And it’s okay to seek help for your children, it’s okay to seek help for your spouse.
“It’s becoming more normalized, which is great. And it’s encouraging to see, because I believe that is going to be a big part of that anxiety and depression decreasing.”
WCS has clients ranging from three or four years of age with play therapy, up to 90 years of age.
“We have all walks of life, and emotional wellness is one of the biggest things that we see, especially from a young age, is needing more education on it,” says Eding.
One example would be the need to dispel the myth that kids need to be happy all the time.
“It is how to handle the discomfort of challenging feelings, how to know when they are getting too big and how to cope with that, especially in a world where there is so much going on,” says Eding.
What can we do to help?
“The big one is being there to offer support when needed,” says Eding. “Being there to listen, to guide, to heal.”
Being present and aware of what is going on and offering to talk or get help with someone struggling is key.
In an age of technology where we are consumed by our phones, having family dinners to check in with loved ones and offer support where needed is important.
Looking for signs and symptoms to identify when someone might not be doing well, that they may be struggling more than usual, is another way to support loved ones.
You are not alone
Letting them know they are not alone is also essential.
“They are not alone in their experiences, they are not alone in what they are feeling,” says Eding. “There are more people than not who experience the same symptoms who don’t exactly know what they are going through, but know how hard it is to not understand what is happening and be able to reach out for help. Even if that is just a friend, or a loved one, or just calling the National Crisis Line.
Being present and aware is important (Courtesy, pxhere.com)
“They are supported, they are understood, and they shouldn’t be afraid to reach out if they don’t understand, or if they just need someone to talk to or someone to help them.”
WCS offers a wide range of services in a variety of fields.
“We support all cultures, we are very accepting of everyone and are open to every stage and every walk of life,” says Eding. “We are always looking to support the mental wellness of all clients.”
Eding notes 10 easy-to-execute tips people can do to better handle emotions, especially during the upcoming holiday season:
Listening to your body
Self-care
Mindfulness
Exercise
Sleep
Laughter
Self-talk
Connections
Deep breathing
Seeking help
Other available resources
WCS currently does not have a waitlist for their services. Their intake line is 616-942-7294.
“It’s a hard time,” says Eding. “No one can deny that the world today is not the same as it used to be. There are a lot of stressors and a lot of things environmentally and mentally that are challenging, that seem bigger than who we are as a person. And for those, it is always great to reach out and get help.”
Financial advisor and money mindset coach Dinorah Caro Livingston welcomes participants to a local financial wellness workshop (Courtesy, Deborah Reed WKTV)
By Deborah Reed
WKTV Managing Editor
deborah@wktv.org
Attorney Rose Coonen engages community members in coversation (Courtesy, Deborah Reed WKTV)
Dinorah Caro Livingston, Regional Vice-President of Primerica Advisors, recently hosted a financial wellness education workshop to help unravel the mystery surrounding financial wellness.
“It’s about providing education,” Livingston said. “The more that people know, the better they can make informed decisions for what they need.”
Education you won’t get in schools
With 20 years operating in the financial arena, Livingston is dedicated to helping people take control of their finances and their future.
“If you want something different in the future, you have to do something different today,” said Livingston.
Dinorah Caro Livingston talks about life moments that create our “WHYs” (Courtesy, Deborah Reed WKTV)
But Livingston also understands that taking the reins can seem overwhelming.
“Unfortunately, people get scared, and they are scared to ask for the information,” said Livingston. “[But] there are no dumb questions. People can take baby steps to become financially stable,” Livingston added.
Livingston urges people to begin taking those baby steps to avoid a situation where they run out of time or it is too late to put plans in place.
“If you drop them little seeds of education along the way, sometimes it spurs them on to stop dragging their feet,” said Livingston. “And depending on where they are in their lives, the message is heard differently.”
Livingston provides quarterly workshops to the public but also presents workshops for specific groups such as employers, schools and churches.
“We have multiple investment partners who will help us with these,” said Livingston, “We believe education should be free.”
When Livingston met personal family lawyer Rose Coonen of Coonen Law, PLLC, she found that Coonen also focused on educating her clients via relationships and informational workshops.
A partnership was born
With 20 years of estate planning experience, Coonen believes financial planning goes hand in hand with estate planning. Like Livingston, however, Coonen has found that most people are reluctant to take that first step.
Attorney Rose Coonen talks about gaining and maintaining control of your estate and assets (Courtesy, Deborah Reed WKTV)
“Especially from an estate planning standpoint, it’s important, but not urgent,” said Coonen. “And no one wants to think about it.”
The solution?
Coonen says that she encourages people to think about who they are setting plans in place for, and offers to come alongside them to help.
“We do education pieces to say why it’s important, here is what could happen, let us be of service to you and help you,” Coonen said.
Communication and empathy are key
Both Livingston and Coonen have noticed that the success ratio for businesses is higher when the focus is partnership with families rather than transactional.
Rose Coonen answers questions about estate planning from the audience (Courtesy, Deborah Reed WKTV)
“Every family is different,” said Coonen. “Every family has different family dynamics.”
She believes the community has chosen to nominate her firm because she is not the “typical” attorney.
“I do not consider myself a traditional estate planning attorney,” said Coonen. “We are more holistic. We tell clients right from the start that they are not a number, that we come alongside them, not just to get a plan set up, but we stay in contact with them. They hear from us regularly.”
Coonen said her goal is to give families peace of mind.
“We guide families,” said Coonen. “We spend a lot of [time] building those relationships with our clients.”
Coonen has spent hours during the day calling clients to check in and see how they are doing, if anything has changed, and how life is going.
“Estate planning is an on-going process,” said Coonen, adding that the law firm does reviews every two years to make sure a client’s established plan is still current to their needs.
Get rich – slowly
Mark Everswick talks about the importance of long-term investments (Courtesy, Deborah Reed WKTV)
Franklin Templeton Investments Regional Director Mark Everswick has also joined forces with Livingston and Coonen to bring the component of long-term investments to the table.
With an ever-evolving economy, investing can be a puzzle. Everswick provides strategies to help people invest confidently at every age.
Everswick said that patience is key in long-term investing.
“This investing thing is [about] getting rich slowly,” said Everswick, adding that the benefits are seen over a period of time.
The goal, Everswick continued, is not to simply acquire financial stability and retire, but to pass that stability on to family, preserving it for the future.
“An apple a day keeps the doctor away.”
Consistency is key in financial planning (Courtesy, www.pxhere.com)
Livingston recited an old saying to help convey the value of consistency.
“That consistency is so important, whether on the legal side or the financial side,” said Livingston. “Sometimes you need a coach to stay on track. It’s never ‘if’ you’ll fall down on the financial mat, it’s a matter of ‘when.’ And when that happens, we are going to be with you.”
By KatelynKikstra Kent County Department of Public Works
While batteries of any type should never go in your recycling cart or any recycling drop-off station, but what you should do with them instead oftentimes is not clear. Batteries can really trip folks up because the type of battery ultimately determines what we need to do with them. Read below to match what kind of battery/batteries you have to figure out your next actions.
Alkaline batteries
Alkaline batteries are typically the cell batteries (EX: AA, AAA, etc.) that are commonly used in a lot of household items, like toys, flash lights, radios, etc. Alkaline batteries are cell batteries that ARE NOT rechargeable.
Alkaline batteries should be taped on the ends and then placed into the trash. (Pxhere.com)
Alkaline batteries used to contain mercury, qualifying them as hazardous waste, so they would have been accepted through a household hazardous waste program for a really long time. However, around the mid- to late-90s, manufacturers changed how they made alkaline batteries (to no longer contain mercury) so these types of batteries no longer qualify as hazardous waste and cannot go to a hazardous waste program. Once taped on the ends/terminals, these batteries are OK to go in the trash because they are no longer hazardous.
Unfortunately, there aren’t a lot of places that recycle them as the process is tedious and expensive. We do not know of any alkaline battery recyclers in Kent County. Instead, we encourage folks to use up their supply of alkaline batteries and make the transition to a rechargeable/reusable type of battery if possible.
These batteries should do contain hazardous materials and should be taken to a SafeChem location. (Pxhere.com)
All other batteries
“All other batteries” is a broad category but it includes (from left to right): button batteries, laptop/cellphone/electronics batteries, drill/weed trimmer/leaf blower batteries, lithium ion/cadmium batteries, auto/marine/ATV batteries, and RECHARGEABLE cell batteries (EX: AA, AAA, etc).
All of these batteries should never go in your trash, recycling bin or into any of our single-stream/mixed recycling drop-off stations as they contain hazardous materials and could easily start a fire at the recycling center, landfill or a garbage truck.
Annuities are a great way to ensure your financial security in the long term. Annuities provide regular payments that can help you pay bills and cover other expenses while also helping protect against inflation and market downturns. Annuities are popular with many retirees as they offer a steady income stream that can last throughout retirement.
The question is, how much income does an annuity payout on average?
The answer depends on several factors, including what type of annuity you purchase and the terms of the agreement. Annuities typically guarantee a fixed payment amount or can be variable, depending on the performance of certain investments or indexes. Annuities are also available with riders that increase the amount of income you receive.
If you’re purchasing a fixed annuity, the amount of income is predetermined by the terms of the agreement and is typically based on your age and the length of time over which payments will be received. Annuities with guaranteed payouts usually offer higher rates than variable annuities, which depend largely on investment performance. Annuity income may also be increased by adding riders like inflation protection or other options that guarantee additional payments.
Generally, an annuity can provide anywhere from several hundred dollars to several thousand dollars a month in retirement income, depending on the type of product purchased and any riders added. As with most investments, it’s essential to consider all of your options before purchasing an annuity to ensure you’re getting the best deal.
Maximizing your payout
In addition, there are several steps you can take to maximize your annuity income and get more out of your investment. Annuitants should review their policy details regularly, as rates may change over time. Annuitants should also consider adding riders to their policy if it suits their particular circumstances. These additional features may help increase the income received from an annuity. Annuitants may also increase the amount of money they receive by taking a lump sum distribution option or electing periodic payments.
Overall, as stated above, the average income from an annuity will depend on the type of product purchased, any added riders, and other factors. Annuity income may range from several hundred dollars to a few thousand dollars per month, depending on the type of annuity and any riders added. By reviewing policy details regularly and adding riders to their policy, annuitants may be able to increase the amount of money they receive from an annuity. Annuities are a great way to ensure your retirement financial security, so make sure you understand your options before investing.
If you’re considering an annuity as a part of your retirement income, it’s essential to understand your options. Contact an annuity expert to learn more about the different types of annuities and how they can help secure your financial future.
Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or Register for Dave’s FREE Newsletter at 888-998-3463 or click this link: Dave Stanley Newsletter – Annuity.comDave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.
There is a well-known financial planner, and you may have seen him appear on television and in print advertising, who has built his reputation by making this bold and controversial statement. “I hate annuities…”. The intent of this paper is not to bring attention to or to discredit this professional pitchman.
He has already done that by making irresponsible statements, such as this, in public while privately buying stocks in companies that sell them. My purpose is to state, “I love annuities…but annuities may not be for everyone or used for all purposes…especially if the purpose of your moneyis to leave part or all of your estate to your beneficiaries.” In cases like this, I recommend life insurance.
Following is a brief listing of reasons why I love annuities if the purpose of your money is to spend it while you are alive:
• Your money is safe in an annuity because your principal is protected. • Your money is secure in an annuity because it is protected by the strength of the insurance company that sells it. • Because annuities are tax-deferred, interest earned on your account is not taxed until you withdraw funds from your annuity. • The proceeds received from your annuity go directly to your beneficiary after your death and will avoid probate. • An indexed annuity earns interest on the income growth of the index but is not subject to market losses. • You may choose an income rider on your annuity that will guarantee lifetime income for you and spouse.
Following is a brief listing of reasons why I love life insurance if the purpose of your money is to provide for your beneficiaries after your death:
• Life insurance may be used to replace the policy owner’s lost wages after death. • Life insurance proceeds may be used to help pay for your children or grandchildren’s education. • Life insurance proceeds may be used to help pay off debts, and to protect your spouse’s financial independence. • Life insurance may be used to pay off a home mortgage, allowing your spouse to live in the family home without debt. • Life insurance may be used to support your favorite charities. • Life insurance may be used to pay funeral expenses. • Life insurance provides tax advantages to the owner and beneficiaries like no other product can. • Some life insurance policies may provide benefits to pay for nursing and home health care expenses.
In conclusion, I love annuities and you should too if the purpose of your income is to provide for you while you are alive. I love life insurance and recommend it to my clients if the purpose of your money is to leave it to your beneficiaries after your death.
What is the purpose of your money? What do you want it to accomplish?
I recommend you consult your trusted advisor to help answer this critical question for you and your family.
Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or Register for Dave’s FREE Newsletter at 888-998-3463 or click this link: Dave Stanley Newsletter – Annuity.comDave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.
Items in the Swap Shop inventory constantly change. (Courtesy, Kent County)
Have you ever looked in a closet or storage area and found old household products you no longer use?
For many, that answer is likely yes. We may keep these old, unusable household products around simply because we do not know how to dispose of them. That’s where the “Swap Shop” operated by the Kent County Department of Public Works (KCDPW) comes in.
Since opening in January 2022, the Swap Shop has offered a collection of gently used household products. Residents may drop off products they no longer need at the KCDPW’s satellite sites that utilize Kent County’s SafeChem free disposal program. Resource recovery specialists inspect the items and transport them to the Swap Shop, where they are available to the public for free.
The Swap Shop asks residents who take products to sign a reuse waiver and return unused products to a SafeChem satellite site. This combination of easy disposal and free pickup and collection likely made the Swap Shop a hit in the local community.
What is the Swap Shop?
Located at 1045 Wealthy St. SW, the Swap Shop holds an ever-changing inventory of household cleaners, automotive supplies, and lawn products available to anyone who may need them.
“Instead of sending gently used products for disposal, we reclaim them and add them to our Swap Shop inventory,” said Jonathan Neracher, a resource revery specialist at the department, as he outlined the central mission of the Swap Shop. “The Swap Shop is a community resource where people who may not be able to buy these products, or are really committed to reusing them, can pick up and use them in their households. The bottom line: we’d rather see these products be used than end up anywhere else.”
Neracher added that the Kent County Department of Public Works team is aware of the cost saving opportunity that something like the SwapShop would provide as well as being huge fans of reusing items that are still in good condition.
What type of products are available at the Swap Shop?
Though the Swap Shop inventory constantly changes, the most common products include:
• Automotive supplies (brake fluid, oil, car wash supplies)
• Lawn and garden care products (weed killer, pool supplies, and insect repellent)
• Personal care products (soaps, nail polish, shampoo)
Each month, the Swap Shop adds nearly 1,000 pounds of product to its inventory, recently including more than 160 full or almost full propane cylinders.
Impact on the community
Neracher attributes the Swap Shop’s success and extensive inventory to one factor: the fact that it is free.
“I have yet to meet a resident who didn’t like the idea of free stuff,” he said. “Some of our customers are retirees looking for a productive low cost project to work on, others are new homeowners that need to put some TLC into their new home. We’ve had teachers looking for supplies for class projects and artists looking to create using waste.”
The accessibility of free household products at the Swap Shop allows residents to avoid a costly trip to the store for the same or similar items. They can also try out different products without needing to pay for them. If the consumer does not need the product they try, they can simply return it to the Swap Shop.
Why the Swap Shop matters in today’s world
Recycling and reusing have become more critical than ever due to the rising environmental impacts of human activities.
“The SwapShop, SafeChem Program and Sustainable Business Park shows the county’s dedication to reducing waste and providing a more sustainable framework for the world we want to live in,” Neracher said. “When you Swap at the Swap Shop you [are] not only saving money for the county and yourself, but that is one less bag of fertilizer that needs to be produced, one less bottle [of] drain cleaner being taken off the shelves, one less propane tank going into circulation, one less quart of motor oil being refined.”
With global inflation rates impacting nearly all consumer goods, the Swap Shop’s model of free products makes it a rare commodity in today’s market. That model of “free” will keep the Swap Shop as an integral part of the Grand Rapids community for years to come.
In the cities of Wyoming and Kentwood, there are two SafeChem satellite sites. The City of Wyoming Clean Water Plant, 2350 Ivanrest SW, Grandville, and the City of Kentwood Public Works Facility, 5068 Breton Rd. SE. For more information about the KCDPW’s SafeChem satellite sites and a list of products they accept, click here.
‘Tis the season to watch out for holiday scammers. With the holidays fast approaching beware of any deals that appear too good to be true. Scams create the illusion of being trustworthy on the outside yet are a façade fooling consumers into sharing personal information and sending money.
Scammers are looking for all kinds of way to trick you out of your money. (WKTV/Tessa Schultz)
Scams can come in many shapes and sizes, yet they aren’t the gift you’d like this holiday season. Scams can appear blatantly obvious or they can be concealed from what seem to be reputable sources.
Some of the biggest online shops have had scammers impersonating the organization. Amazon, Facebook Marketplace, and your local department stores all have scammers lurking around impersonating trustworthy transactions and tricking consumers.
Scam Data
Federal Trade Commission data reports that in 2021 online shopping scams contained $3.92 million in total reported losses with the median loss for consumers was $500 dollars.
Shoppers that have fallen victim to questionable purchases are not always compensated for their financial losses. According to the FTC, 25% of 2021 consumers reported a loss to fraud.
Types of Scams
Some of the most common scams are internet auction fraud, phishing, order confirmation scams, and technical support scams.
Internet auction fraud occurs when a seller misrepresents merchandise online. In many cases, items are left undelivered, with the buyer at a loss for their money. Scammers may advertise items with outrageous deals and discounts swindling shoppers into franticly buying nonexistent listings. Eventually, shoppers are met with remorse when their item never arrives on their doorstep.
Phishing is a scam where fake emails, text messages, and websites are used to commit identity theft or steal personal information. The criminal may ask personal questions fishing around and urging you to share your bank account numbers, debit card pin, or other personal information. Typically a scammer’s contact information mimics the names of larger brands hustling shoppers into trusting and handing out their personal information.
Order confirmation scams provide unwarranted emails, texts, and phone calls claiming that you need to confirm or deny unauthorized purchases. Amazon recently published a memo warning customers of scammers mimicking counterfeit transactions and seeking personal information. Panic-stricken shoppers may rush in order to cancel fake purchases when in reality they are being conned.
A technical support scam is a type of fraud where a scammer insists that you need to buy tech support for your devices.
Data breaches can occur to those who download software on their devices. Sensitive information can be stolen, hacked into, and leaked.
Malware is online software containing viruses and spyware. Malware is often undetectable and is a large threat to your online security.
Tips to Avoid Scams
Always use direct websites when seeking customer service and tech support.
Do not react to scams based on the principle of urgency. Many scammers want you to feel the need to “act now.”
In no case should you provide payment, or bank account information, install software, or purchase gift cards when prompted to respond in an urgent nature.
Be cautious when providing any personal information including account numbers and passwords when completing purchases online or on the telephone. Contacting customer service with any questions regarding transactions may ensure safe shopping.
Santa and his reindeer want you to steer clear of holiday scams this year, be sure to travel with ease online to protect your wallet this season.
Snowy weather is here which means making sure you have checked that your car has all your survival essentials. (WKTV/Maggie Carey)
With the colder months approaching quickly, it is important to stock your car with items that will help you through the winter. Winter weather can leave you stranded and having a kit of essentials can get you back on the road faster or make your time waiting for assistance more comfortable in the frigid temperatures.
Winter essentials for the car can include:
Ice scraper. This is an essential that can be found almost everywhere. Car scrapers with a brush end and scraper end are best (see image right) as they help remove both snow and ice from your car. Not only is it safe for you to clear your car of snow, it is also safe for those around you as snow falling off your car can impair their vision while driving.
A car scraper with a brush and scraper end is recommended.
Portable Shovel. Small portable shovels can be helpful when digging a car out from snow or when trying to leave a snowy street in the morning. If you have a big enough trunk, consider keeping a full-sized shovel on hand to make the process smoother.
Cat litter or salt. Did you know that cat litter can help budge a stuck car more than salt? Cat litter absorbs all the moisture around the tire and makes the surface dry to drive on. If you are stuck in snow or ice, pour small amounts around your wheels and slowly accelerate to dislodge your car. This can also be an affordable alternative to keeping salt in your car. Or if you want to keep it classic, salt does the job too. Be sure to have one on hand though as we enter the Michigan winter.
Extra warm clothes. Having extra clothes on hand can be helpful if your car has died and you are waiting for assistance on the side of the road. Put together a tote with a coat, gloves, hat, scarf, socks and if you have the room, a blanket. These items can help regulate your temperature while waiting for assistance and could potentially save your life.
Food and water. Some types of food, like non-perishables, can stay in your car for the winter months and come in handy for those unpredictable winter weather emergencies. Trail mix, granola bars, dried fruit, nuts, and canned foods can be kept in cold temperatures in your car. You should also keep water in your car. Stainless steel bottles are the best method of storing water, just remember to only fill them ¾ of the way as the colder temperatures can make the bottle burst if too full.
Take the time now to think about what you need and stock up your car essentials to keep you and your family safe during your winter travels.
By Emily Armstrong Area Agency on Aging of West Michigan
When learning to use tech, start with small tasks such as setting up email. (pxhere.com)
These past few years of pandemic life have forced many to turn to technology as a means of connection. Doctor’s appointments turned to video visits, typical in-person social engagements became phone calls or text chains, and classes and activities moved to Zoom and other virtual platforms. This large shift, happening almost simultaneously, can be confusing to navigate. How do you set up your new tablet? How can you use an app to order groceries or download library books? How can you give an Alexa device commands to check the weather? There are endless possibilities of what technology can help you to do, especially as a senior, to enhance your life, but navigating just how to do so can be a challenge. Here are a few tips.
First and foremost, identify what you’d like to accomplish. Just jumping in and trying to learn everything at once is overwhelming. Set a goal to focus on just learning how to do that one thing and give yourself the grace to do so over multiple sessions.
Start small with activities such as turning on a device or setting up an email address. If there are barriers to getting started, such as internet access or affording a device, identify these barriers and reach out to your local Area Agency on Aging where you can be connected to resources.
Ask for help if you need it. It is okay to not know everything and if you hit a wall, it can be helpful to turn to a friend or family member for guidance and input.
Seek out resources. If you don’t have a person to turn to for questions, you can use one of the many resources below.
GetSetUp: Michigan Department of Health and Human Services partnered with GetSetUp, a digital education platform for older adults, to offer 150+ technology and enrichment classes, all taught by retired educators. www.getsetup.io/partner/michigan
Making IT Easier Series: The Area Agency on Aging of Western Michigan has a video series designed to teach seniors how to use technology to enhance their lives. You can check out these videos on our website, including lessons on how to use Facetime, order grocery delivery via Shipt, get a ride with Lyft, and more www.aaawm.org/tech
Senior Neighbors Technology Support Program: Through workshops and one-on-one support, local seniors in Kent County will receive person-centered services to provide access to affordable internet and devices, develop technical skills, and find confidence in utilizing technology. You can learn more about this program at www.seniorneighbors.org/tech
Older Adults Technology Services (OATS): A national program, with Senior Planet as its flagship, OATS provides courses, programs, and activities to help seniors learn new skills, save money, get in shape, and make new friends. You sign up for their newsletter and participate in online offerings at https://seniorplanet.org/ You can also call the Senior Planet Tech Hotline: (888) 713-3495.
AGING Connected: Partners with telecommunications companies, nonprofits, and public entities to bring low-cost internet options to older adults nationwide. Call for support: 877-745-1930
Practice online safety. Write down your account information and passwords to online accounts and keep them in a safe place. Check your links and attachments to ensure they are from trusted sources, oftentimes an “https” before a website link is a good indicator that a link is secure.
Use Accessibility Features. It can be hard to see a screen, type on a keypad, and click through screens. You can utilize accessibility features to make devices more user-friendly, these include options such as voice commands, magnifier and zoom options, color filters, dictation features, assistive touch, and more.
Want one-time one-on-one support? The Area Agency on Aging of Western Michigan will be hosting a drop-in technology event at Scottville Senior Center (140 S. Main Street, Scottville, MI 49454) on Tuesday, Sept. 27, from 10 a.m. – 2 p.m. Individuals more than 60 and in the nine-county region (Allegan, Ionia, Kent, Lake, Mason, Mecosta, Montcalm, Newaygo, or Osceola) can take part. You can bring in your device and receive assistance from staff. Don’t have a device? A limited number of tablets will be available to participants who do not currently have a device. Participants may take home their new tablet following the event. Questions? Call Brandon Beck at 616-222-7024.
If you’re a woman in or near retirement, let me ask you this: “How do you plan to take what you’ve so diligently saved and turn it into a lifetime stream of dependable, predictable, tax-advantaged income?”
Five reasons women should consider using annuities to create more prosperous, less stressful retirements. (pxhere.com)
If you’re like many of us, you probably don’t have a ready answer to this question. That’s because you’ve been busy doing “all the right things.” You’ve been working, saving, maximizing your 401 K, paying off debts, being a caregiver, running a household, etc. It’s likely you haven’t really had time to think about what to do when the time comes to stop working and live on what you’ve accumulated.
I want to suggest: Take some time to consider annuities carefully. After spending time studying this often overlooked, but powerful financial vehicle, I’ve come to believe that nearly every woman planning on retiring could benefit from the features found in annuity products.
Here are a few reasons you should consider an annuity when it comes time to empty your “accumulation” bucket.
An annuity creates guaranteed income for life. When you deposit a lump sum into an annuity, you enter into a contract with an insurance company in which the company guarantees you income for the rest of your life. This will eliminate a chief concern of many women entering the retirement phase of their lives, namely, running out of money too soon.
Flexibility and customization. Annuities have come a long way in the past few years, offering a full spectrum of long-term care and inflation protection features. No longer are you constrained to a “one size fits all” annuity. These new kinds of annuities now provide for a new level of customization, safety, and functionality.
Annuities provide predictability. Many people, especially those in their pre-retirement and retirement life stages, want to know exactly how much income they will be available when they retire. If predictability is one of your top priorities, then an annuity can provide that.
Zero maintenance. When you agree to the terms of the annuity contract, you’ll be assured of a steady income for life even if you live for another 50 years after retiring. An annuity is one of the few available financial products you can actually “set and forget.” there is nothing to keep tweaking or moving around; no more crossing your fingers every time the market hiccups.
Tax benefits by using an annuity for a portion of your nest egg allow that portion to grow tax-deferred, just like the money in traditional retirement accounts. That means if you don’t take out all the money for a while, you could see a significant tax reduction in retirement.
There are many other reasons that an annuity, while it may not be for everyone, is still worthy of your attention as you enter retirement. Partnering with an annuity specialist will allow you to examine these safe money alternatives more thoroughly to see if they will work in your particular situation.
If you’d like to know more about how women can use annuities to create safer, saner, more prosperous post-work lives, email or call me, and I will be happy to send you educational information to help you make the right decisions about your retirement blueprint.
Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or Register for Dave’s FREE Newsletter at 888-998-3463 or click this link: Dave Stanley Newsletter – Annuity.comDave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management
It is finally nice in West Michigan, which means lots of beach time, but as the recent scare this week at Grand Haven beach reminded many knowing how to handle a rip current is key to water safety.
Grand Haven State Park does not have lifeguards but does utilize a flag system to let beachgoers know conditions.
Under a new land use order that allows the Department of Natural Resources shutdown the Grand Haven State Park on Tuesday, June 21, after water conditions prompted several rescues. Under the new order, the DNR can prevent or fine a person who enters waters under their jurisdiction when certain conditions are present such as harmful bacteria, dangerous weather conditions or rough waves, as was such the case on June 21.
According to the Great Lakes Surf Rescue Project, there has been 46 possible great lakes drownings so far in 2022, of which 19 have been in Lake Michigan. Lake Michigan is considered the deadliest lake of all the Great Lakes and one of the deadliest lakes in the United States due to the number of drownings.
One of the leading causes of those drownings are rip currents, channelized currents of water flowing away form shore at surf beaches.
To help raise awareness about rip currents, WKTV will be again airing the special “Respect the Power,” on June 28 at 9:30 a.m. and June 30 at 5 p.m. on Comcast Channel 25.
If caught in a rip current, relax and don’t swim against the current. Rip currents do not pull people under the water.
The video was produced by the Great Lakes Beach & Pier Safety Task Force and was created in memory of Andrew Burton Fox and Daniel Reiss, both who were swept off the Grand Haven pier and drowned in Lake Michigan.
According to Grand Haven officials, rip currents and powerful breaking waves are common in the area of the pier. But education, including recognizing what a riptide looks like and what to do if you are caught in one, can increase the chances of a happy outcome.
From the “Respect the Power” website, it states that the Great Lakes are better understood as inland seas rather than lakes. Storms, not the lakes, can easily generate waves up to 30 feet in the most sever weather. However, even smaller waves can be dangerous.
When waves break, water is pushed up the slope of the shore. Gravity pulls this water back toward the lake. When the water converges in a narrow, river-like current moving away from the shore, it forms what is know as a rip current. Rip currents can be 50 feet to 50 yards or more wide. They can flow to a point just past the breaking waves or hundreds of yards offshore. You can sometimes identify a rip current by its foamy and choppy surface. The water in a rip current may be dirty from the sand being turned up by the current. The water may be colder than the surrounding water. Waves usually do not break as readily in a rip current as in adjacent water.
Moving at one to two feet a second, sometimes up to eight feet which is faster than any Olympic swimmer, a rip current can sweep even the strongest swimmer away from the shore.
According to both the “Respect the Power” and the National Weather Service websites, if caught in a rip current, try to relax. A rip current is not an “undertow” and will not pull you under. Do not try to swim against the current as this is very difficult, even for an experience swimmer. If you can, swim parallel to the shore until you are out of the current, then swim directly toward shore. If you are tired, tread water and float and call and wave for assistance. The current will carry you to the end or head of the current, where once rested you can swim back to shore.
Some other water safety tips:
1. Learn to swim.
2. Check with a lifeguard or with the park’s current conditions board before entering water.
3. Never swim alone.
4. Never dive headfirst into unknown waters or shallow breaking waves.
5. Piers are navigational structures and not designed as walkways, proceed at your own risk.
6. Do not jump or dive off pier structures.
7. Avoid piers when waves begin to spill over the pier surface.
8. To avoid rip currents, avoid swimming in areas that are discolored with sand and has a choppy or foamy surface.
9. If caught in a rip current, swim parallel to shore (about 30-50 yards) to get out of the rip current before swimming to shore.
10. Protect yourself from the sun. Use sun screen.
Clean and usable items may be dropped off on June 25 and 26 at 2929 Ottawa Ave. SW, Grandville. (Supplied)
Have some unwanted items that need a new home? Cherry Health is looking for gently used or new items for an upcoming community thrift sale in support of the Sheldon House, a program focused on breaking the stigma of mental illness.
Cleaned and usable items may be dropped off from 4-7 p.m. Saturday, June 25, and Sunday, June 26, at 2929 Ottawa Ave. SW, Grandville. Items that will not be accepted are mattresses, sleeper sofas, cribs/car seats, tube TVs, stuffed animals, and hazardous chemicals/waste.
If you are looking for assistance in cleaning out, Moxie Life Organizing, which is partnering with Cherry Health for the sale, offers serves from life consulting to full-service decluttering, organizing, and staging.
The sale will be at the same location, 2929 Ottawa Ave., SW, on Wednesday, June 29, from 8 a.m. to 6 p.m. and Thursday, June 30, from 9 a.m. to 3 p.m. Half price items will be available starting at noon on June 30.
Sheldon House is a clubhouse model program that provides support, opportunity and resources to adults with mental illness in Kent County. With the help of personal staff, members attending Sheldon House have a place to feel accepted, needed and supported. Other benefits include gaining skills, obtaining employment, pursuing education opportunities and building a support system.
The upcoming sale proceeds will be used to support Sheldon House’s members who are aspiring to achieve their personal goals and contribute to the communities they live in. Cherry Health’s Sheldon House program is one of 47 Clubhouse Programs in Michigan and among hundreds of clubhouses worldwide. The accredited program provides strong outcomes, including improved physical and mental health, decreased hospitalizations, reduced incarcerations, greater employment opportunities, and increased overall quality of life for those living with mental illness.
For more about the Sheldon House project and the sale, visit the Sheldon House website.
Moxie Life Organizing helps turn this into……an organized space that looks like this.
Tarot and numerology are virtually inseparable and essential to one another. (pxhere.com)
It’s said that Tarot can be used to unlock the mystical power of the “cosmic universe.”
People use Tarot as a tool to help connect with their higher self through spiritual enlightenment, self-awareness, and self- improvement. Readings offer insights into past, present, and future events. Readings can also help people understand particular situations often in areas of career, relationships, love-life, and finances.
It seems Tarot and Astrology complement each other as both are based on four elements; air, water, fire, and earth. Additionally, there is a Tarot card for each Zodiac sign. Each Tarot card corresponds to a different planet, sign, or elemental combination in Astrology. Astrology is considered one of the oldest natural sciences while Tarot is considered one of the oldest mystical sciences.
Tarot and numerology are virtually inseparable and essential to one another. Meanings of numbers can add depth to the interpretation of each Tarot card. Cards are numbered 1-10 in both Major Arcana and Minor Arcana in all four suits and court cards are assigned numbers. Interpreting the meaning of the numbers in combination with either traditional or modern meanings of the card can add extra insights to the reading.
There are several different types of Tarot decks to choose from. One of the most traditional Tarot decks for beginners is the Rider-Waite. A standard modern Tarot deck has 78 cards divided into two groups called Major and Minor Arcana with 22 cards known as Trumps and Minor Arcana with 56 cards. Some of the other interesting Tarot decks include: Elemental, The Black Power Tarot, Light Seer’s Tarot, Modern Witch Tarot, and many more.
A tradition Tarot deck for beginners is the Rider-Waite deck. (pxhere.com)
Tarot reader Esther Joy has been on Grand Rapids Ghost Hunters Podcast for episodes 15, 25, and 38 and was also a guest on Cryptic Frequencies. We first met her while she was reading Tarot at a real haunted mansion now known as the Paddock Place. Esther Joy likes to setup a shrine of sorts, using the positive vibrations of some of her favorite crystals, like amethyst, citrine, rose quartz, black tourmaline, and others. The pageantry is further defined as sacred Palo Santo wood is burned during the reading.
Recently on episode 64, Esther Joy joined the show and read for me from a Cosmic Tarot deck. She’s empathic, clairvoyant, a prophetic dreamer, and an artist. She uses her intuitive powers to help interpret the Tarot cards so people can connect with their higher self and tap into their inner wisdom. For a reading. go to Esther Joy’s Facebook page (Esther Joy Tarot).
To get the most out of Tarot readings it’s important to have a positive mind set about the cards and yourself, with the understanding that Tarot at best is a tool or a kind of compass to guide you in the right direction. If we can get past the stereotypical images of a fortune teller peering into a crystal ball, we might be able to recognize Tarot as more self-reflection than divination.
What can and cannot be recycled in Kent County, and how do it. And what happens to everything else? WKTV Journal, working with Kent County Department of Public Works Resource Recovery Specialist Lauren Westerman, are working to look at specific consumer products and other items and give you the answers.
In this post, we look at that soft plastic tooth paste tube and cap. Does the tube need to be cleaned — can it actually be cleaned? Or is it medical waste? And the cap; hard plastic but is it too small? Here is the lowdown from an expert:
The toothpaste tube and cap are both trash. Even though both the tube and the cap are plastic, neither are able to be recycled at the Kent County Recycling Center. Here’s why:
The toothpaste tube is considered a soft, non-rigid plastic. The Kent County Recycling Center only accepts rigid plastics because soft plastics will not process correctly through the sorting machinery at the facility. The toothpaste cap is considered a rigid plastic but is still not recyclable because of its size. Items that are smaller than about 2 inches by 2 inches will also not process correctly at the Kent County Recycling Center.
Do you have a question about a specific consumer product or other item? Contact WKTV at ken@wktv.org. Please send a photo of the product and the recycling label if available.
What can and cannot be recycled in Kent County, and how do it. And what happens to everything else? WKTV Journal, working with Kent County Department of Public Works Resource Recovery Specialist Lauren Westerman, are working to look at specific consumer products and other items and give you the answers.
In this post, we look at those at-home COVID-19 rest kits — part plastic, part cardboard packaging and paper instructions, part that nasty stick you stuck up your nose and other medical materials. Maybe you want to just toss everything in the nearest trash can, but should you? Here is the lowdown from an expert:
(If you received the kit in the mail, remember to look for a recycling label on the mailer.)
Does your mailer envelope have a recycling label? (Kent County)
Remove the test supplies from the paperboard box. Flatten the box and place it into your curbside recycling cart. The paper instructions can also go into your curbside recycling cart. The box and paper will head to the Recycling Center where it is sorted out from non-paper items, baled, and transported to a local paper mill to be processed into a new paper product that can be used again.
After performing your COVID-19 at home test, throw away the swab, the wrapper from around the swab, the test card, the test card’s soft plastic pouch, and the empty plastic dropper bottle.
The only piece remaining is the hard plastic piece that (possibly) held all the various test pieces. If this hard piece of plastic has a recycling symbol on it, then it may be placed into your curbside recycling cart. The plastic will be sorted with similar rigid plastics at the Recycling Center, shipped to a facility where the plastic is flaked or pelletized, and eventually remolded into a new plastic item.
Do you have a question about a specific consumer product or other item? Contact WKTV at ken@wktv.org. Please send a photo of the product and the recycling label if available.
What can and cannot be recycled in Kent County, and how do it. And what happens to everything else? WKTV Journal, working with Kent County Department of Public Works Resource Recovery Specialist Lauren Westerman, are working to look at specific consumer products and other items and give you the answers.
In this post, we look at those annoying strings of holiday lights that no longer work. Packaging often does not have any recycling information. But what does that mean? Here is the lowdown from an expert:
Many part of the packaging for holiday lights are recyclable, but not all. (WKTV)
Holiday string lights are considered electronic waste. They cannot be recycled through single-stream or curbside recycling collection programs. Kent County Department of Public Works (DPW) has collection bins for holiday string lights at both North Kent Recycling & Waste Center and South Kent Recycling & Waste Center or they can be brought to our electronics recycling collection programs. After Kent County DPW collects the string lights, they are taken to an electronics recycling company where the various component parts (types of metal, wires, plastics, glass, etc.) are separated and recycled accordingly.
When you purchase new holiday string lights, there are a few different parts of the packaging to be aware of when it comes to proper disposal. If the lights come in a box, empty the cardboard box, flatten it, and place it into your single-stream curbside recycling cart. If you have any soft and flexible plastic packaging, tape, or twist-ties, place them into the garbage.
Do you have a question about a specific consumer product or other item? Contact WKTV at ken@wktv.org. Please send a photo of the product and the recycling label if available.
If you’re a woman, who is divorced, in the process of divorcing, or is contemplating a divorce in the near future, understanding a few key things about the financial implications of a marital dissolution will go a long way toward helping you regain the confidence you need to take control of your wealth.
After a divorce, some women, especially those whose spouses were in charge of the household finances; find themselves in the confusing and uncomfortable position of having to learn personal finance from scratch. They now have no choice except to take responsibility for earning, saving, paying bills, and investing for retirement.
It’s unfortunate that many divorced women find themselves faced with some unpleasant and unanticipated realities in their post-marriage lives. For example, women often greatly underestimate the costs involved in the divorce process itself. The website Divorcestatistics.info puts the average cost of a divorce in America at around $15,000.
Beyond the legal costs, things such as lack of financial literacy, standard office expenses, the need to hire valuation and other financial experts, and even the emotional states of the divorcing couple can contribute to the high price tag a divorce usually carries.
Divorcing women face other nasty surprises
• Health insurance costs are often more than they envisioned. Usually, divorced women will have to pay their health insurance premiums, which can be staggering. Nationally, health insurance premiums have been increasing by an average of 5% every year, for the last six years. In some states, coverage for a single woman can be more than $1,000 per month! • They need to find a job as soon as they can. Economic necessity can mean that some divorced women will see they need to start working quickly. Those who were stay-at-home wives and mothers may not have had time to acquire new skill sets or update their existing skills, making it difficult to get hired or get better wages. • They could find themselves homeless. In a typical divorce, the family home can be the most valuable financial asset as well as a big bone of contention. If divorcing women do want to stay in the home because they have young children or due to an emotional attachment, they may have to fight to keep it. Fighting with an ex-spouse over the home is an expensive and time-consuming process that could quickly deplete any savings and create even more stress. • Alimony and/or child support is not what they thought it would be. For whatever reason, some divorced women overestimate how much money they feel their ex-spouse should pay in spousal or child support. The amounts arrived at during the divorce process may be much, much less than anticipated.
These and other unwelcome surprises in the aftermath of a divorce don’t have to spell disaster, though. With a little pro-active “divorce planning,” you can lessen the sting of the process and begin to regain control over your financial future.
Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or Register for Dave’s FREE Newsletter at 888-998-3463 or click this link: Dave Stanley Newsletter – Annuity.comDave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.
Retirementplanning is crucial enough as it is for a married family. Still, it becomes even more critical for singles or unmarried couples considering that they are not accorded the same tax breaks and advantages which a couple gets upon marriage. Statistical studies report that single women are the fastest-growing group of home buyers, while the number of married families buying a house has dropped by 10% in the last ten years.
With increasing divorce rates and increased tolerance of non-traditional definitions of the concept of a family, the taxation laws have not been able to keep up with the growing purchasing power and numbers of people who fall into the definition of singles or unmarried couples, including divorcees, same-sex couples and singles living in an extended family with other members. What proactive financial planning steps can people who fall under these characterizations take to ensure a secure future?
If you live with a partner, the best thing you can do is be transparent about your finances and discuss all expenses and bills payable, to work out a satisfactory arrangement. This could mean a pooled fund for monthly payments and joint assets, while payments towards significant individual assets are paid for the owner(s).
Remember that there will be no legal recourse in case of a split and the asset not being in your name. If you have joint ownership of assets, contact a lawyer to put in writing arrangements for the distribution of assets in case of a split. A commonly availed arrangement for partners buying a home is under a JTWROS or joint tenants with the right of survivorship. A living trust can be set up to avoid the gift tax, which would be payable for transferring property to the surviving partner.
Funds in 401(k) plans, IRAs, and other retirement plan vehicles will not automatically be transferred to the survivor, as in the case of a spouse. Take special care to nominate your partner as the beneficiary and change as and when necessary if you are single. Write powers of attorney for each other, which would only come into effect in the sudden demise of one partner, or extreme disability. Note that unmarried couples do not have a right to each others’ social security benefits. IRA rollovers from one partner to the other are also taxable, unlike those for a married couple.
Also, laws governing rights over assets and responsibilities for joint debts may vary depending on the state of residence and the contracts signed with financial organizations.
All this means is that for single and unmarried live-in couples, retirement planning needs to be taken a bit further than that done by a married couple to offset the lack of clarity in governing laws and tax benefits. Everything has to be put down in writing in clear terms. It is generally advisable to consult a financial planner and set your finances to go in the right direction before jumping into a long-term live-in arrangement.
Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or Register for Dave’s FREE Newsletter at 888-998-3463 or click this link: Dave Stanley Newsletter – Annuity.comDave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management
I recently read an article about Shaquille O’Neal and his after basketball life that was truly amazing. Did you know in his 19 -year NBA career, he earned a total of $292 million in compensation? He was the highest-paid player over that time period, making enough money for a couple of hundred families to live in complete comfort. With the athlete’s age, we have watched salaries skyrocket to levels we cannot comprehend as just regular folks.
Shaq was one of the all-time greats, and he proved it on and off the basketball floor. Did you know he also starred in movies and had three very successful records with more than 1.3 million copies sales? Shaq became a brand, and he used his celebrity to put in place a money-making machine for his retirement from basketball.
The article mentions his endorsement life: products we know nationally, such as Buick, Icy Hot, Reebok, Zales, Foot Locker, Arizona Tea, and many more. The list includes more than 20 products and companies. His endorsement income is now greater than his salary as a top NBA center, and more to come.
Shaq is booked all day, every day, in a nonstop worldwide promotional endorsement and entertainment tour. In addition to product endorsements, he is also a TV analyst, an international motivational speaker, and a private party DJ. Yes, you can have Shaq come to your house for 2 hours, have him DJ your party for only $50,000.
It was estimated he could earn more than a BILLION dollars in just his endorsement career. Certainly a lot of money and reason to be concerned about how the money is invested and protected to ensure his and his family’s financial security.
In the article, he was asked about the income he is now earning. He said, “I don’t pay any attention to the money. If I lose it all, it is no big deal, myself and my family are already financially secure because when I started in the NBA, every year I invested in annuities.”
Annuities now provide more income than myself and my family need. The money I earn now is just for fun.”
Annuities? Yes, a man who in his lifetime will earn in excess of a BILLION dollars is depending on annuities to guarantee his financial future.
Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or Register for Dave’s FREE Newsletter at 888-998-3463 or click this link: Dave Stanley Newsletter – Annuity.com Dave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.
“Obligating yourself with debt is borrowing against your future income, be careful, that obligation can cause big problems when you retire.” Dave Stanley
Unless your parents made some weird deal with the hospital, you were probably born kicking and crying but debt-free. In a perfect universe, you would have remained that way, spending most of your life as solvent as possible. Then you would skip blissfully into retirement without being shackled to a boatload of debt. You’d have a million in your 401k, maxed out life insurance policies, and guaranteed income from annuities.
The reality, however, is a lot different for most pre-retirees and retirees. Life has its’ own plans, and sometimes it goes off the rails a bit. Even the best-planned people can end up underwater, sideways, and paying lots of unexpected bills. According to financial researchers, more than 41 % of Boomer retirees have credit card debt, and another 35% have car loans with balances over $14,000. Many older retirees also carry debt into retirement, although the number is substantially less.
How can debt impact retirement?
You may be thinking, “So, why is having debt so terrible? I have cash flow from my retirement accounts that I can use to pay it. Is it that much of a problem?
The answer to those questions, unfortunately, is “Yes.” Many retirees discover that having a lot of debt when you no longer work means having a more stressful, hand-to-mouth existence that could last 30 or more years after leaving the workplace.
Even worse, debt might be the tipping point that causes some retirees to run out of money long before they die. Having a lot of debt significantly constricts cash flow, making it difficult, if not impossible, to maintain emergency funds, pay for vacations and leisure activities, and pay for out-of-pocket health care costs and preventative medicine.
While many who are planning their retirements believe that having some money in the market will offset some of the problems created by debt, they forget that even historic market gains cannot offset high credit card rates. Often, we forget about the toll that anxiety over finances takes on our health and emotional well-being. Having debt hanging over one’s head can also cause various mental and physical ailments that could reduce life expectancy or require nursing home care.
How much debt is acceptable?
Those close to retirement are probably wondering how much debt they can bring with them and not feel too impacted. There are rules of thumb in the financial services industry that say you should have no more than 28% of your pre-tax household income servicing principle, insurance, interest, and taxes on a mortgage and no more than 36% of that income to consumer debt payments.
That’s while you are still drawing a paycheck.
In my opinion, when you retire, the numbers should be much, much more conservative. If you find yourself rapidly nearing retirement and saddled with debt, you may want to consider other options. To pay off debt and still keep saving for retirement, you might try working a few years past your ideal retirement age, getting a second job or part-time “gig,” selling off things you don’t want or need, or perhaps negotiating lower interest rates on loans.
In most cases, you want to pay the high-interest debts first and not worry as much about the mortgage, especially if you have a reasonable fixed rate and continue to get the mortgage interest tax deduction. If you don’t have an ideal rate, consider refinancing to shorter terms or lower interest rates.
The final word:
Because individual financial situations differ, the amounts of debt that can potentially impact retirements will be different for everyone. In general, though, it’s a good idea to pay off as many debts as possible before you decide to retire. If you are already retired or are about to, consult a competent retirement specialist to find debt reduction strategies that are best for you.
Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or Register for Dave’s FREE Newsletter at 888-998-3463 or click this link: Dave Stanley Newsletter – Annuity.comDave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management
It’s that time of year again. The time when, for some of us, the thought of family get-togethers and holiday parties causes stress and anxiety well before the dates and times are confirmed.
Adding pressure to your busy schedule might be jet-lagged in-laws, moody teens or a coworker that rubs you the wrong way.
And, let’s face it, the country is divided. There’s anger, finger-pointing and blaming that can spill over into your relationships under normal circumstances, relegating November and December to a time of endurance rather than enjoyment.
How are you to cope with such a cocktail of human quirks amid the heightened tensions of holiday expectations? And, no, the answer is not more cocktails.
The following tips from Spectrum Health psychotherapist Anya Nyson, LMSW, won’t give you unique gift ideas or ways to carve out more time.
Instead, her list will make you more aware of yourself and others so you can see things from a different perspective.
“Practicing the following mental tools can help you more fully enjoy what you are wired for—connection and belonging,” she said.
1. Cultivate flexibility
You made elaborate New Year’s Eve plans and paid an inflated price to get into a well-advertised party.
You imagine for weeks how amazing the night is going to be. As the night comes to a close, you’re disappointed it didn’t live up to your expectations.
Conversely, remember that party you forgot about until the day of? You dreaded going and complained silently, but went anyway only to be pleasantly surprised by how nice it was.
“Think of expectations as disappointments waiting to happen,” Nyson said. “Rather than having expectations, cultivate flexibility instead.”
Work on catching yourself dreading a holiday dinner at your in-laws. Then, say to yourself, “I have no idea how this is going to go, but whatever happens, I’ll roll with it.”
2. Be realistic and kind to yourself
You don’t want to make pies from scratch, but you tell yourself you should. You want two helpings of mashed potatoes, but think you shouldn’t go for seconds.
“Your worth as a person is not contingent on your flaky homemade crust and fluffy whipped cream nor for only having one helping of potatoes,” Nyson said. “Try this trick the next time you say should or shouldn’t to yourself: Replace the word should with ‘don’t want to.’ Replace the word shouldn’t with ‘want to.’”
Example:
‘I should make pies from scratch’ becomes ‘I don’t want to make pies from scratch.’
‘I shouldn’t have seconds’ becomes ‘I want seconds.’
“The reworded statement is your truth,” she said. “When you don’t mind doing something, you don’t have to tell yourself you should do it, you just do it. Shoulding is an attempt to guilt yourself into doing or not doing what you think you should or should not do. By being honest with yourself, you’re eliminating the guilt. This truth allows you to choose to do something or not rather than pressuring or shaming yourself.”
Also, if there are any negative comments about your store-bought dessert, you can tell them they will find you being well-rested and in a good mood more palatable than your homemade pie.
3. Don’t poke the bear
You have an overt, or covert, rivalry with your sister-in-law, and you can’t wait to brag about the promotion you received or your children’s many accomplishments.
“When you want to humble-brag, inquire instead how they’ve been since you saw them last,” Nyson said.
Reciprocity is more likely to keep a conversation going and allow you to share. Sincere tellings of achievements are better received than trying to one-up others and help build the relationship rather than drive a wedge in it.
Or, perhaps you find teasing your goth nephew, with his stringy black bangs covering his face, a fun way to get the room laughing and to pass the time before dinner. Rather than belittling your nephew in front of everyone, ask him what his favorite video game is and keep the conversation going. Get to know him as a person rather than judging him.
4. Don’t take the bait
Does Grandpa George feel compelled to share his political views because it’s his house? And, how many times has he reminded everyone he worked hard and paid his taxes, not like those youngsters?
As much as you want to point out to Grandpa George how things have changed since his day, you won’t change his mind, so don’t even go there.
Instead, prepare pat responses ahead of time that you can use repeatedly. Use a sincere tone and say something like, “You are a good man, Grandpa,” or “We appreciate all you’ve done, Grandpa,” and move on. It helps to think of your responses ahead of time, so you have them at the ready.
“Bonus: This is a great parenting tool,” Nyson said. “Rather than arguing with my teens when they didn’t like a no response, I would say, ‘I love you too much to argue,’ in a loving voice, then say nothing else. They quickly learned that this meant I was not going to argue with them, thus eliminating badgering.”
5. Accept that others don’t have to share your values
Do you think Grandpa George should keep his opinions to himself? Do you think your family shouldn’t eat turkey because you’re a vegetarian?
‘Shoulding’ on others will only result in anger and frustration for you. You get angry at others when they don’t do what you think they should, or do what you think they shouldn’t.
Try this trick next time you catch yourself saying should or shouldn’t about someone: Replace the word should with ‘doesn’t have to.’ Replace the word shouldn’t with ‘can.’
Example:
“Grandpa George should keep his opinions to himself” becomes “Grandpa George doesn’t have to keep his opinions to himself.”
“My family shouldn’t eat turkey” becomes “My family can eat turkey.”
“Practicing this helps to remind you every person is unique, and they are not wrong or less than because they have different values from yours,” Nyson said.
6. Don’t personalize
Did your mother make a passive-aggressive remark about how she thinks
women with long grey hair look like witches? Do you think she said it
because you stopped coloring your hair six months ago?
Or, do you believe your father-in-law talks on and on about his financial portfolio, golf handicap, boat and vacation home as a way to make you feel inadequate?
“It is one of the most liberating things you can do for yourself once you no longer personalize what others say,” Nyson said. “What others say is 100% about them because it is based on their values and beliefs. Consider their history and perspective and how that plays into what they say.”
Think of your mother’s generation and what was considered attractive in her era. In her day, women with long, grey hair were grannies in muumuus with no bra. In her day, coloring your hair when it turned grey meant you wouldn’t be that kind of old lady. Things have changed for your generation, but she still has her long-set beliefs.
Maybe your father-in-law grew up believing a person’s value came from what they had, and he’s showing his value to you. Consider his generation and beliefs. They are not about you.
7. Instead of ‘I have to’—say ‘I get to’
A coworker asks you what your plans are for the holidays. You say, “Ugh. We’re exchanging gifts at my partner’s family’s house.”
“Negative thoughts create negative emotions,” Nyson said. “In this case, perhaps dread, annoyance or resentment. A quick reframe is to replace ‘have to’ with ‘get to.’”
“I have to go to my partner’s family’s house,” becomes “I get to go to my partner’s family’s house.” A positive thought will create positive emotions. Using this trick can reduce your level of negativity.
8. Practice self-care before, during and after
Slowing your breathing will slow down your heart rate, helping to reduce your anxiety. The go-to breathing technique Nyson teaches people for anxiety goes like this:
Inhale for a count of 4
Hold your breath for a count of 4
Exhale for a count of 6
Hold for a count of 4
Do several rounds, then return to your normal breathing.
Repeat as needed.
Practice mindfulness meditation.
“Your mind’s job is to think, so you’re not going to stop it from doing its job,” Nyson said. “The goal of mindfulness meditation is to keep your mind in the present moment, noticing your thoughts, emotions, body and external stimuli without judgment. You can significantly improve your mood and outlook on life by making this a consistent practice.”
Using mindfulness apps is a great tool to help. Nyson recommends the app Headspace as a great way to start and maintain the practice.
Maintain a gratitude list. “Identify three unique things you’re grateful for each day,” Nyson said. “I recommend keeping a running list in the notes on your phone or in a journal. By doing this, you can look back and reinforce all the reasons you have to be grateful.”
Don’t overindulge. Alcohol lowers your inhibitions, but it also increases impulsivity by slowing down the activity in the prefrontal cortex, the part of the brain responsible for rational thought and decision-making.
You know you need sleep, and you know the reasons why. Value your needs over cultural expectations.
“You will feel better when you listen to the wisdom of your body,” Nyson said.
Use a mantra. Repeat a word or phrase to increase your input of positive thoughts. One method is to link it to your breath. Inhale what you want to take in and exhale what you want to send out. Here are a few examples:
Inhale: I am loved. Exhale: I express love.
Inhale: I can do this. Exhale: This, too, shall pass.
Inhale: Joy to me. Exhale: Joy to the world.
“‘Be the light. See the light’ is my mantra,” Nyson said. “Inhaling while thinking, ‘Be the light’ reminds us to be kind to others and to be a force for good in the world. Exhaling, ‘See the light’ prompts us to see what is right in others and the world.”
Choose to be the light at your holiday events. Choose to see the light in those to whom you connect.
“Imagine the holidays if we all worked on this,” she said.
With the gentle passing of time, and as we grow in experience and maturity, we can sometimes find ourselves getting bored with the hobbies that we’ve been enjoying for many years. That’s not to say that the hobbies haven’t been pleasant, but at this point, it just may seem like—something is missing.
Having more time in retirement offers the opportunity to expand our knowledge base in new, exciting places. Not only can this be a fun journey, but it also offers tremendous benefit to health, happiness, and mental sharpness.
An opportunity to turn dreams into reality
A large percentage of people who retire eventually elect to downsize from a large home, condo, or co-op to an assisted living community that can better meet the needs of aging adults. Their lives may have changed dramatically, and they now feel the emotional need for a comfortable transition to a more relaxed and fun-filled lifestyle that is more suitable for aging adults.
Moving into a well-run, friendly and luxurious assisted living community can be an excellent opportunity to make new friends, try a few new things and discover new passions. Let’s be frank, who doesn’t want more leisure time to enjoy life’s pleasures? This remains the case for those dealing with health challenges and disabilities.
Exciting new activities
With assisted living activities, the objective is helping people enrich their lives in a new home and friendly community. These activities encourage people to have fun and try new things whether it’s learning to play chess, learning to play pool, or exploring computer classes where they can send and receive photos of their adult children, grandchildren, and their siblings. They may not physically be able to visit foreign countries, but they can take a tour via the internet.
Assisted living activities like arts and theater appreciation improve the quality of life for both caregivers and loved ones. Artistic expression can put a sparkle in their eyes and an uplifting sense of achievement.
For those who have had a burning desire to create and develop a blog, write a children’s book, or try their hand at poetry, assisted living creates an ideal and safe environment for this type of artistic exploration.
Gardening is also an extremely popular choice. It provides community members with the opportunity to experience nature in a very intimate and personal way. It’s also perfect for stress relief, relaxation and heart health. Nurturing and caring for a tiny and delicate flowering plant as it slowly grows into a magnificent work of nature can be an incredible experience.
There are so many activities that can ignite a fun and active spirit no matter the participant’s age. And even if it’s something entirely new to you or your loved one, the key element is finding the strength to embark on something new. Who knows? It just may be the key part to discovering a brand-new passion in life.
The topic of savings and expenses becomes heavily-discussed as more and more adults reach retirement age and no longer can rely on a steady income. There are many areas that seniors need to have plans in place for post-retirement, including living expenses, daily costs, gifts, vacations, and—most importantly—healthcare.
While Medicare will help out with covering some healthcare costs, there are still a lot of important healthcare expenses that come directly out-of-pocket. It’s important to seriously consider the care costs you will likely encounter as you age, and make plans for how you will pay for these needs. Here are four tips for how you can approach financial planning for post-retirement healthcare expenses.
1. Learn what Medicare doesn’t cover
Medicare, or federal health insurance for those 65 and over, is the main way that seniors plan to take care of medical expenses after retirement. Medicare covers many things including hospital visits, general medical insurance, and some prescription drugs, but it doesn’t cover everything. In fact, some major medical expenses that most—if not all—seniors need aren’t even partially covered under basic Medicare plans, which can lead to problems for seniors who don’t have another plan in place.
Dental
Having good dental health and receiving dental care is incredibly important to ensure that your retirement years aren’t spent in pain. However, Medicare doesn’t cover routine or complex dental procedures—causing many seniors to make the mistake of skipping out on dental care altogether.
Vision
While Medicare does cover the cost of eye disease and injury treatments, it doesn’t cover routine vision care like annual appointments and eyeglasses, all of which can lead to major out-of-pocket expenses.
Hearing
Common hearing treatments that seniors often need as they age, like hearing aids, are not covered through Medicare. A good pair of hearing aids can help you stay communicative and social as you age, as well as significantly reduce your chances of developing memory diseases, but paying for them yourself can be expensive.
Long-term care
Medicare will only pay for long-term care housing like a nursing home if it is directly related to the recovery of a specific medical procedure. It won’t cover activities of daily living or instrumental activities of daily living, which many seniors need as they age. Examples of necessary care services not covered under Medicare include:
Eating
Bathing and personal care
Toileting
Money and financial management
Medication distribution and management
House maintenance and cleaning
Moving to a wheelchair or in and out of bed
2. Know your family history
You can try and predict what medical expenses you might need to plan for by taking a close look at your family’s medical history. If you see patterns or know that certain diseases and medical problems have affected your family in the past, you can take the necessary steps to address paying for those concerns should you have them as well.
It’s also a good idea to examine your own life choices and see if there are any habits or behaviors—such as smoking—that might contribute to a significant medical care expense after you hit retirement age.
3. Explore Medicare Advantage plans
While Original Medicare, or Medicare Parts A & B, don’t cover any of the areas mentioned above, there is a chance that a Medicare Advantage Plan might pick up some of the slack for important vision, dental, and hearing medical expenses.
There are lots of different types of Medicare Advantage plans, such as:
Health Maintenance Organizations
Preferred Provider Organizations
Private Fee-for-Service Plans
Special Needs Plans
Medicare Medical Savings Account Plans
Each type of Advantage plan has different associated costs and coverages, so it’s important to explore the different options and find a plan that meets your care needs while being affordable within your healthcare budget.
4. Start planning & budgeting now
Every day that you wait to make a plan for unexpected healthcare costs is a day where you might might not have enough savings. It’s important to take action today to plan for your important medical expenses and start creating a budget and looking into different funding options for senior health expenses.
You can speak with a financial advisor or go through your finances yourself to see where your spending can be cut and put into a retirement fund or health savings account. If you are already retired, think about ways you can save money and reduce daily costs to plan for healthcare expenses in the future.
Finally, while it’s not fun to think about, the reality is that 70% of seniors will need long term care and those odds include you. Start exploring options like assisted living today so you can have a plan already in place when the time comes to make the move to a senior care community.
Independence, the ability to age in place with the necessary care services, the cost savings compared to other care options, and the lively, active communities that are so different from traditional fears of nursing homes are all reasons why assisted living is an obvious choice for a senior care community. But it’s still not easy to talk to a loved one about making the big move.
Putting off the conversation can lead to serious long-term consequences, so it’s important to have that discussion sooner rather than later—no matter how difficult it is. Here’s some of the best ways to plan for an open and honest talk with your loved one about making an assisted living community their new home.
Signs to look out for
There may be a single specific reason or several smaller ones for wanting to move your loved one to an assisted living community, but here are a few common signs to be on the lookout for as your loved one ages.
They are isolated are no longer socializing with others
You aren’t sure if they are eating, or they are losing weight and consistently have an empty fridge
They can no longer drive, or don’t have reliable transportation to necessary places (such as the doctor’s office or the grocery store)
They have a steadily declining hygiene
They have lost interest in activities they used to enjoy
Their house is becoming dirty and cluttered
They can’t remember where they are and get lost in familiar places—or are becoming forgetful in general (forgetting to pay bills, take important medications, turn off the oven, or take out the trash)
They have fallen and injured themselves at home
They need to be checked in on regularly
They frequently need medical care
Prepare beforehand
It’s important that you go into the conversation with a solid plan. Get the essential family members—such as your siblings—involved and ensure that all of you are on the same page about what you want to talk to your family member about. You don’t want the conversation about assisted living to turn into a family argument, which only adds stress to an already stressful topic of discussion.
It’s also important that you learn about different senior care options and go into the conversation informed—especially about why you recommend assisted living over a nursing home or home care. Have a list of communities that might be good fits and a detailed explanation of what types of daily care services and skilled medical care they provide at the ready.
Find the right time
Picking the right time to bring up assisted living is essential to ensuring the conversation is productive. Make sure you do it in person, not over the phone. This will likely be a conversation that takes some time, so don’t try and squeeze it into a packed day. Make it a priority and clear your schedule.
However, don’t hold the conversation during a holiday or family reunion—these events are special and you shouldn’t put a loved one on the spot during a happy celebration. Ensure that you find a neutral day and gather the family to talk to your loved one in a group setting that is comfortable, not accusatory.
Communicate clearly
During the conversation, it’s important you stay calm and don’t let your emotions overtake the discussion. Be honest and upfront about your intentions during the talk, but don’t try to push your loved one into a decision that they aren’t yet ready for.
Conversation starters
“Do you feel safe at home? Are you worried about what would happen if you fell or hurt yourself and no one was around?”
“Are you struggling with remembering important things?”
“Do you need help around the house that isn’t being provided right now? Are you able to cook meals and get to the store?”
“Do you miss being close to your friends or having plans for things to do?”
“Are you concerned about what’s going to happen to your independence or mobility as you age?”
“Would you like to feel more secure and have a community around you for support?”
Work together
The first conversation about assisted living shouldn’t be an immediate decision—after all, your loved one’s opinions and feelings should be at the center of the discussion and they need to be comfortable with moving forward. Working together to find the right community is key to ensuring that your loved one feels respected and included throughout the process.
Research together with your family member and go on community tours with the family to help them feel confident in their choice of a new home. Remember—this is an incredibly difficult task your loved one is about to face. But by keeping their feelings at the heart of all decisions, the conversation about assisted living can lead to great things for your loved one.
