Life Planning, 2014

lifeplanningG U I D E 2 0 1 4

Setting Goals

Saving for College

Helping a Loved One Adapt to a Nursing Home

Grow Your Savings

Preparing for Hospice Care

How to Manage Your Health ExpensesA Publication of the

Lewiston Tribune and Moscow-Pullman Daily News

L I F E P L A N N I N G G U I D E S A T U R D A Y, J A N U A R Y 2 5 , 2 0 1 42

FINANCIAL PLANNING | FAMILY

Making Plans: New Parents Parents with a baby born in 2012 will spend an average of $217,000 to raise their little bundle of joy.

These latest statistics reported by the United States Department of Agriculture

don’t even include the cost of college, which can quickly rack up tens of thousands per year in tuition costs.The price tag on raising a child has been on a steady incline — a 24 percent increase since 1960, according to the USDA.Taking on the increasing costs can be a challenge for many new parents. But with proper planning and realistic expectations, even newbies can come out ahead as their children grow.

HealtH Care The USDA attributes the rise in child-raising to the cost

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FINANCIAL PLANNING | FAMILYhealth care. With parents covering larger proportion of children’s costs with higher co-payments and premiums, expenditures can add up quickly.When setting a budget and savings plan, make sure to apportion enough to health care costs, as well as unpredictable medical expenses that are sure to come up.Start a small savings account for funds devoted to medical costs. This will keep you prepared for such occurrences instead of having to dip into your primary savings account for medical payments.

Long-Term PLanningNew parents will find that with the birth of their child comes

the urge to protect him or her. This natural instinct includes the need to build a solid financial footing to be able to afford all of the necessities.But lost in the everyday chaos of raising a new child are the long-term financial strategies that can make a huge difference.If you’re a new parent, consider preparing a will, an inventory of assets and debt and a legal document naming a person to be the guardian should anything happen to you.These can be uncomfortable topics to discuss, especially in the midst of newfound parenthood, but planning wisely now can pay off in the future.

FINANCIAL PLANNING | INVESTMENTSL I F E P L A N N I N G G U I D E S A T U R D A Y, J A N U A R Y 2 5 , 2 0 1 44

About Your Portfolio How strong is your investment portfolio? It’s a general question that is sometimes hard to decipher and even more difficult to answer.

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Morgan Stanley

The riskiest nancial moveis doing nothing.Your wealth plan should keep up with the changing circumstances of your life, as well as with the cycles in the nancial markets. A new career, a new grandchild, a new business, a signi cant shift in your portfolio - any of these events could necessitate a fresh look at your strategy.

As Morgan Stanley Financial Advisors, we can work with you to develop a plan and then help you manage your investments and assets through life’s changes. Call today to arrange an appointment. We’ll work together to plan for what may come.

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Timothy Lynch, CFA Ken Maestas Eric Justis

FINANCIAL PLANNING | INVESTMENTSS A T U R D A Y, J A N U A R Y 2 5 , 2 0 1 4 l e w i S T o N T R i b U N e & m o S c o w - p U l l m A N D A i l Y N e w S 5

Portfolio success is a subjective measurement that can be driven by many factors. A portfolio is defined as the collection of financial assets that can include stocks, bonds, cash and other investments such as real estate holdings. Individual investors can entrust a financial planning professional to help guide them in their investment strategy, or they can use one of many online tools to help build their own.

Portfolio StrategiesInvestment success means different things to different people. While one investor may choose to construct his or her portfolio based on high-risk investments that have a chance to produce greater returns, others may prefer to take the slow and steady route with more conservative assets.One of the first steps to determining your investment approach is

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FINANCIAL PLANNING | INVESTMENTS

choosing where you fit with this aggressive vs. conservative model.

Diversify Many of the most profitable portfolios are based on balance. Allocate some of your capital for higher-risk stocks and some of it for slow-growth bonds and mutual funds. This will help overcome market fluctuations, which have been known to occur routinely.Money is a source of great emotions for many people, and investing can bring out equal parts frustration and

elation. Maintaining a balanced, moderate-risk portfolio can help cut down on the stress that can accompany the investment process.

Financial Pro vs. Self-Investing

Novices to portfolio-building may benefit from sitting down with a professional financial planner to discuss goals, strategies and execution.Advisors generally have in-depth knowledge of the markets and assets that can keep you on track. And sitting down with a planning

professional is generally free of charge, as they earn their income by collecting a small percentage of the money you invest.For investors seeking a more hands-on role in their portfolio, many online platforms are available. They offer the freedom of building your own investment strategy and feature many video and tutorial resources.Be sure to research what these companies charge, though, as some can be laden with hidden fees and add-on pricing.

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FINANCIAL PLANNING | TARGETS

Time to Set Goals Financial goals inspire, motivate and mobilize us into action. They keep us on track during the tough months and help us avoid unnecessary impulse spending that can have a negative impact on our finances.

And setting a goal is the easy part. Sticking to that goal is where the challenge begins.

Unforeseen expenses, untimely bills and material temptations are part of daily life. Only those who are serious about overcoming these roadblocks are truly ready to achieve their financial objectives.

How to Set a GoalDon’t wait until your New

Year’s resolution to set your new financial goals. Grab your past few bank statements, a piece of paper and a pencil, and get busy.

Write down where every one of your pennies have went over the past couple of months and organize them into sections like “necessary bills,” “entertainment” and “eating out.”

Determine which one of these segments have some wiggle room and set a goal to

decrease similar spending next month.

Define Your GoalsWhen it comes to finances,

you should have short-term and long-term goals. A short-term goal may be a plan to pay off a credit card or save enough to put a down payment on a new house.

What types of purchases or payoffs are you looking to accomplish in the next six to 12 months? Put them down on paper and keep track of monthly progress toward your goal.

And stay dedicated. Even an extra $20 saved from eating in on a Friday night can go a long way toward achieving your goal and building your confidence in your ability to save.

Be RealisticIf you earn $3,000 month, it

probably isn’t a realistic goal to shove $2,000 of your income into savings every 30 days. Be honest with yourself and choose a number that you can achieve within your short- or long-term target.

If you have more than one financial goal, it is probably best to choose a primary one that receives most of your attention. This will help keep you focused on where to most effectively distribute your income.

And remember to think about the long term. Growing your savings can seem like a sacrifice in the short term, but the more you sacrifice now, the more wealth you’ll be able to achieve. You’ll be living a much more secure, financially rewarding life in the future if you take the right steps today.

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FINANCIAL PLANNING | EDUCATION

Saving for College Annual tuition for a four year private institution was $28,500 last year. It was $8,000 for in-state students at public institutions.

These statistics from the College Board can be downright frightening for

parents and students trying to save for education.The price of education can seem expensive, but the long-term positive impact on your child’s future career is often worth the cost.Experts advise parents to start saving as soon as possible to help defray some of the costs of college. So whether you are a new parent or one with children in high school, now is the time to put some money to the side for college.

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FINANCIAL PLANNING | EDUCATIONEducation Foundation found that 41 percent of families with children have set aside some money for college education.Of that group, 33 percent report using a tax-advantaged savings account, such as a 529 Plan. The Financial Planning Association urges parents to research their state’s 529 plan specifications because more than 30 states have a tax advantage for contributing to these plans.

Checklist Be sure to look into the following sources of financial gain when considering your college savings plan. • Savings and Investment Plans like U.S. Savings Bonds and

Taxable Investment Accounts• Pell grants, community grants and employer/work grants • Regular investments into college savings account • Financial gifts to your child or unexpected income • Low-interest loans that offer deferred interest while your child is attending college

Plan for PaymentsIf you fall short of your goal of covering college tuition with

your designated savings, do your best to keep

college loans to a minimum.If you child is

college age, talk with them about how much you can afford and what they will have to come up with through their own

employment or grants.

Between your own savings, the student’s ability to earn money and attending a college with an affordable tuition rate, you’ll be on much better financial footing after graduation.


PERSONAL FINANCE | PARKING YOUR MONEY

Grow Your Savings High-Yield Accounts – What You Need to Know About Before Signing UpIf you need to keep your money safe and still have access to it when you need it, a high-yield checking or money market account can be a good vehicle for accomplishing both goals.

High-yield checking and money market accounts often pay more interest than the national average, but to get those rates you might have to meet a number of different requirements.

Direct DepositIn many cases you will be required to establish a monthly direct

deposit. If you fail to set up a direct deposit within the specified time of opening the account, you might be subject to a monthly maintenance fee. You could also forfeit the higher rate of interest and earn a much lower rate, or earn no interest at all.

Debit Card TransactionsMany high-yield checking accounts require account holders to make a minimum number of debit card transactions per month. The number of required debit card transactions can be quite significant, often 10 or more transactions per month. Before you sign up for a high-yield account, you should first look at your current spending

patterns and make sure you can meet those debit card transaction requirements.

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PERSONAL FINANCE | PARKING YOUR MONEYMinimum Balance

RequirementsHigh-yield checking and money market accounts often come with minimum balance requirements, and those minimum balances can be higher than those on traditional bank accounts. In addition, some high-yield checking accounts limit the amount of money you can earn the highest rate of interest on. For instance, a high-yield checking account might pay the highest rate of interest on the first $25,000, but a much lower rate of interest on balances above that amount.

Tiered Interest EarningsYou need to be aware that if you fail to abide by any of the requirements set forth in the account agreement your interest rate could drop sharply, or disappear altogether. For instance, your checking or money market account might promise a great interest rate if you meet all of the monthly requirements, but only pay you a tiny amount if you fail to meet all of those requirements for the month.It is important to look closely at the fine print and make sure you understand all the details before you sign up for any high-yield checking or money market account.

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PERSONAL FINANCE | HEALTH CARE

Manage Health Expense Health Saving Accounts Offer Some Advantages

A health savings account (HSA) can be a great resource for people who are covered by a high deductible health plan.

It allows them to save money from every paycheck towards paying for medical expenses and can help patients avoid cleaning out their savings to pay for medical bills. As high deductible plans increase in popularity, employer sponsored policies have turned to this resource as a measure to help patients limit the overall cost of out-of-pocket expenses for health care.

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Everyone loves fewer taxesUnder normal circumstances, your medical expenses must exceed 7.5% of your gross income to receive a tax break according to the IRS. However, a health savings account allows you to put aside money, pre-tax, on a weekly basis toward the costs of qualified medical expenses. Right now the IRS allows an individual to contribute up to $6,450 annually to their HSA for family coverage and deduct the full contribution from their reported income. If the policy just covers yourself, an individual can contribute up to $3,250 in 2013.This effectively lets you deduct all of your medical expenses as long as they don’t exceed the contribution threshold.

Your money won’t disappear at year end

One of the most important benefits to an HSA is that the money you put in there is not liquidated at the end of the year like a flexible spending account. Some insurance companies offer the flexible spending account as an alternative buffer against healthcare costs and although it has the same tax advantages as an HSA, the money you don’t use disappears at the end of the year. This is frustrating because you may end up losing more money that the

aforementioned tax break will save you. Thankfully an HSA does not suffer from this problem and you can accumulate money over several years that will remain in case of a medical emergency.

Your HSA will follow youIf you have an employer sponsored health savings account, you need not feel bound to work for that company in order to take advantage of the account’s benefits. If you leave for some reason, your HSA will go with you along with the benefits. If your new health plan also qualifies as a high deductible health plan, you will be able to continue contributing to it. Even if it doesn’t, you will still be able to use the funds to pay for medical expenses, tax free. If you have a high deductible health plan it makes a lot of sense to contribute to an HSA. With a high deductible it’s a virtual certainty that you’re going to be responsible for some out of pocket costs throughout the year and an HSA can protect your assets. Some employers even contribute funds on a monthly basis for you, so just having the account will yield free money to save for when you need it. If you qualify for this type of account it’s an absolute necessity to take advantage of it.

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PERSONAL FINANCE | SAVINGS

One Option for a Tax Break A Roth IRA can be an excellent retirement savings vehicle, particularly for younger workers and for those who feel that tax rates will be higher in the future than they are now.

With a traditional IRA, workers get an up-front tax break, and the money is only taxed when it is withdrawn in retirement. The Roth IRA turns this concept on its head, eliminating the up-front tax break in favor of tax-free withdrawals in retirement. This allows eligible taxpayers to put aside money for retirement, have it grow tax-deferred, and take the money out without paying taxes on those withdrawals.

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Earned Income OnlyThe only income that can be used to fund a Roth IRA is earned income, such as income from wages. Income from other sources, including capital gains and interest payments, cannot be used to fund the Roth IRA. That means a worker needs to have earned income equal to or greater than the amount contributed to the Roth IRA.

Understand the Contribution

LimitsThe contribution limits for the Roth IRA change from time to time, so it is best to consult with an accountant or tax expert before you make your annual contribution. For the year 2013, eligible workers can contribute up to $5,500 to their Roth IRA plans. Workers 50 years of age and older can contribute an extra $1,000 under the catch-up

provision of the plan.For married couples, each individual can contribute up to their maximum amount into separate IRA accounts.

Eligibility for Continuing ContributionsOne difference between a traditional IRA and a Roth IRA is that workers can continue to contribute to a Roth plan after age 70 1/2, something they cannot do with a traditional IRA plan. That

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PERSONAL FINANCE | RETIREMENT PLANNING

Supplement Your Pension Need more retirement income? Look at these choicesPensions for retirement aren’t as common these days. People change jobs frequently during their lifetime and often don’t amass a sufficient pension for full retirement.

Many individuals don’t get a pension at all. Whether you’re expecting a sizable pension, or something much smaller, supplementing it with other retirement investment accounts will give you extra cash to support your lifestyle during retirement years.

Employer OptionsWhat kind of retirement accounts are available through your employer? Many employers offer a 401K, or a 403B if you work for the government. When you set up a 401K, you can contribute money tax-free. When you withdraw it during retirement, you pay income taxes on the initial contributions and earnings. The money that would have gone to taxes can stay in your account for many years until you retire earning more money through capital gains and dividends.Some employers will match your contributions up to a certain percent. For example, they might match 50 percent of your

contributions if you contribute up to 5 percent of your income or match 100 percent if you contribute 6-10 percent of your income. It is meant as an incentive to encourage you to invest for retirement. Don’t miss any opportunity for free money.If you get an employer match through your company, it’s usually a good idea to contribute the maximum amount to your 401K. After that, you can set up an IRA or Individual Retirement Account.

IRAsThere are two types of IRAs, the traditional IRA and the Roth IRA. A traditional IRA is very similar to a 401K with a few differences. You contribute you pre-tax dollars now and pay taxes on everything when you withdraw money during retirement. However, there is no opportunity for an employer match. One benefit is that you can invest it in any mutual fund instead of using the company-chosen fund.A Roth IRA is a bit different. You don’t invest pre-tax dollars. Instead, you pay taxes on all your contributions now, but when you withdraw it during retirement, you don’t have to pay any taxes, not even on the earnings. You can earn a large return and not pay any taxes on it as long as it stays in your account.Another benefit is that you can withdraw your contributions before retirement without penalty if you need to because you already paid taxes on it.

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When Home Alone Isn’t Enough Families face difficult choices when one or both of their parents can no longer live on their own.

One of the toughest decisions many of us will face in our life-times is what to do when an aging parent can no longer live independently. Just ask Theresa Duff of Joliet, Ill. Her mother, Rita, already losing her eye-sight from macular degeneration, was further hobbled by a broken shoulder and two shattered wrists due to a fall. “It was painful to see mom, who had raised a house full of kids, nursed her husband after his stroke and remained active into her 80s, suddenly become so frail,” Duff says. As the population ages, the number of adults who need long-

one of the toughest decisions many of us will face in our lifetimes is what to do when an aging par-ent can no longer live independently. Just ask theresa Duff of Joliet, Ill. her mother, Rita, already losing her eye-sight from macular degeneration, was fur-ther hobbled by a bro-ken shoulder and two shattered wrists due to a fall. “It was painful to see mom, who had raised a house full of kids, nursed her hus-band after his stroke and remained active into her 80s, suddenly become so frail,” Duff says.

As the population ages, the number of adults who need long-term care rises. About nine million senior citi-zens will need some form of long-term care this year, according to

the U.S. Department of health and human Ser-vices. While the depart-ment says family members and friends are the sole caregivers for 70 percent of the elderly, this may not always be possible or practical. “Mom wasn’t ready for a nursing home just yet, but none of the family members still living in the area had homes that could accommodate her limit-ed mobility,” Duff says. “We had to weigh our

choices carefully to address her needs, wishes and dignity.”

If a family member feels a parent who’s liv-ing on his or her own is on the decline and needs custodial assis-tance, he or she should consult with a medical professional. either way it’s essential to determine what level of care is needed. this can run from simple help with housekeep-ing and shopping to more acute levels of care such as health monitoring and physi-cal, speech or occupa-tional therapy.

Ultimately, this becomes a decision based as much on a

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When Home Alone Isn’t EnoughFamilies face difficult choices when one or both of their parents can no longer live on their own

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PERSONAL FINANCE | HOME HEALTHterm care rises. About nine million senior citizens will need some form of long-term care this year, according to the U.S. Department of Health and Human Services. While the depart-ment says family members and friends are the sole caregivers for 70 percent of the elderly, this may not always be possible or practical. “Mom wasn’t ready for a nursing home just yet, but none of the family members still living in the area had homes that could accommodate her limited mobility,” Duff says. “We had to weigh our choices carefully to address her needs, wish-es and dignity.”If a family member feels a parent who’s living on his or her own is on the decline and needs custodial assistance, he or she should consult with a medical professional. Either way it’s essential to determine what level of care is needed. This can run from simple help with housekeeping and shopping to more acute levels of care such as health monitoring and physical, speech or occupational therapy.Ultimately, this becomes a decision based as much on a fam-ily’s financial resources as it is on an aging parent’s needs. That’s because neither Medicare nor most supplemental health insurance policies pay for long-term care costs.

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PERSONAL FINANCE | HOME HEALTHS A T U R D A Y, J A N U A R Y 2 5 , 2 0 1 4 l e w i S T o N T R i b U N e & m o S c o w - p U l l m A N D A i l Y N e w S 19

For many, in-home health care can be a desirable and reasonably affordable option. Those who require only mod-est assistance may have their needs served by a part-time caregiver. Those requiring ad-ditional help may require 24-hour live-in assistance. Aside from the cost, family members have to consider the effort involved in hiring a caregiver and following up regularly to ensure that proper care is be-ing given.Another approach is to use the services of a licensed home health care agency, which is a necessity if an individual requires skilled nursing care or physical therapy services.The national Association for Home Care & Hospice main-tains a national database of such agencies with tips on how to choose and deal with one on an ongoing basis at www.nahc.org.If living at home proves to be particularly difficult because of stairs or other hazards, placing an elderly parent in an assist-ed living facility may be best.

Residents often live in sepa-rate apartments, enjoy com-munal meals and participate in planned activities. Costs usually depends on the size of the living area, services re-quired and where the facility is located, adding up to several thousand dollars a month.For those who require con-stant care, a nursing home may be the only option, albeit a costly one. Medicare pays for skilled nursing facility care for a limited period following a hospital stay for rehabilitative purposes, but not for ongoing care. State Medicaid programs will generally pay for basic nursing home services, but only after an individual’s per-sonal assets are exhausted and he or she has no other means to cover the cost.All nursing homes that partici-pate in Medicare or Medicaid are subject to annual inspec-tions. In addition to personal vetting of any facilities under consideration, it’s a good idea to compare these inspec-tion records by consulting the “Nursing Home Compare” re-

source at www.medi-care.gov.

So how did the Duff family finally decide to care for their mom, Rita? “We wrestled with our options and though the family would have pre-ferred that she live out her final years at home, we finally settled on moving her to an assisted living center,” Duff says. “We didn’t have to worry about caregivers not show-ing up or being inattentive to mom’s needs, and it afforded her some independence and socialization without her hav-ing to be cooped up alone at home.” © cTW features

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Offi ce 208-746-7433toll free: 1-866-919-CARE (2273) email: [email protected]

Discover the Benefits of Giving Wisely

Did you know there are creative ways to support Tri-State Hospital Foundation? Ways in which Tri-State, you, and your loved ones all benefit at the same time?

Such giving techniques are called “planned gifts,” because with thoughtful planning, you create win-win solutions for you and the only community-owned hospital in the valley.

Please let us know if you have already included Tri-State Hospital Foundation in your estate plan or if you would like more information. We would love to hear from you!

Did You Know?Did You Know?

We thank all of our planned-gift donors for their generous support.

George H. & Marjorie Day †Dr. Wayne and Vivian DayD & L Feeley †Lloyd J. Fountain †Darrell & Carol Gamet Marguerite U. La Hatt †Cecil & Rita Parlet †† Deceased

LEGACYCircleMary Poe †Walter W. Seibly, MD †Illa SmithAlexander & Beth † SwantzDale & Verla Ward †Sandra (Ward) Eckmann †Lois D. Williams †

HOSPITAL

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PERSONAL FINANCE | ASSISTED LIVING FACILITY

As for Mom and Dad What to look for in an assisted living facility.

Metro – As men and women enter their golden years, many decide they can no longer maintain their homes and choose to downgrade to something smaller, be it an apartment or a condominium.For millions of others, health plays a significant role when deciding where to move when it’s time to sell their homes.According to the AARP, slight-ly more than 5 percent of peo-

ple 65 years and older reside in nursing homes, congregate care, assisted living, and board-and-care homes. Though no one plans to live in a nursing home, seniors and their families should at least know what to look for just in case.Determine individual needs: Men and women researching potential living facilities might find it difficult to determine their specific needs. Unforeseen health conditions, for instance, might dictate which option is the best fit. Men and women who have a medical condition that requires routine monitoring will almost certainly want a skilled nursing facility. But those without med-ical conditions who need help

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with simpler tasks of everyday life are likely to have those needs met by an intermediate facility. Some facilities provide both types of care, which can make transitioning from one to another much easier if or when that need arises. Facilities typically have intake planners on staff who evaluate each individual and determine which level of care is the best fit.Research policies and proce-dures: Each facility should be ready and willing to share and discuss its policies and proce-dures with regards to resi-dents. What is the procedure when a resident has a medical emergency? What if a resident finds a living situation unpleasant? What is the facili-

ty’s philosophy regarding staff and resident interaction? What are the facility’s hiring practic-es, including certification requirements, for its person-nel? What is the ratio of staff to residents? Each facility should be able to answer these questions promptly and adequately. Those who can’t should be checked off the list of residences to consider.Facility ratings: According to the AARP, recent research has shown that nonprofit nurs-ing homes offer higher-quality care, better staff-resident ratios, and have fewer health violations than facilities man-aged by for-profit companies. Men and women researching facilities can visit Caring.com , an online resource for men

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PERSONAL FINANCE | ASSISTED LIVING FACILITYand women caring for aging relatives. The website enables adults to compare nursing homes in their areas, including if a home is for profit or non-profit, and the home’s capaci-ty. U.S. residents can even learn each facility’s Medicare ratings, which are determined by examining the safety of the facility and its overall quality of care and a host of other fac-tors.Get a firsthand account of the facility: Before choosing a facility for themselves or an elderly relative, individuals should spend some time at the facilities they’re consider-ing to get a firsthand account of what life at that facility is like. Observe the staff interac-tions with residents, including if they address residents with

respect and patience. How do the current residents look? Are they unkempt and left to their own devices, or do they appear well groomed and are they encouraged to interact with other residents? Does the facility seem warm and wel-coming, or is it antiseptic? The move to an assisted living facility is often difficult and sometimes depressing, so each of the above conditions can carry significant weight when choosing a facility.Finding a nursing home or a similar facility for yourself or an aging relative is not neces-sarily easy. Men and women facing such a difficult decision should begin the process as early as possible to ensure they find the facility that is the best fit.

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PERSONAL FINANCING | HOME HEALTH CARE

How to make informed healthcare decisions METRO – The typical health-care patient has changed in recent years. No longer are individuals putting all of their healthcare decisions into the hands of nurses and doctors. Patients are more informed than ever before and are inter-ested in taking a more active role in their own care.Thanks to the Internet, people are able to access information

that, in the past, was not easily available. A few decades ago, medical data may have been elusive and filled with confus-ing jargon the layperson might not have understood without a crash course in biology. How-ever, today there are different Web sites that clearly spell out information about certain illnesses and diseases. This means that patients may no longer be walking blindly into appointments with doctors. Facing an illness is never easy, and the decision-making abilities could be hampered by emotions and the desire to im-prove as quickly as possible. Patients who do not have all of the facts may have to rely

PERSONAL FINANCE | HOME HEALTH CARES A T U R D A Y, J A N U A R Y 2 5 , 2 0 1 4 l e w i S T o N T R i b U N e & m o S c o w - p U l l m A N D A i l Y N e w S 25

solely on the expertise of care-givers and physicians when making important healthcare decisions. By knowing the av-enues of information, a patient can find assistance with care-ful decision-making. While learning about an ail-ment is important, there are some things to consider.* The Internet isn’t foolproof. Many online medical sites are very reliable and offer a wealth of pertinent information. They can be good starting points when seeking out information on a particular condition. It is in your best interest to visit sites that are well-known and monitored by respected medi-cal affiliations. Other sites may be peppered with exagger-ated claims or misinformation.

Therefore, do not go by online information alone.* Don’t self-diagnose. It can be easy to use the Internet as a means to narrowing down symptoms and making as-sumptions about what ail-ments you may have. Instead of using the Internet to self-di-agnose your condition, leave the diagnosis up to your doctor and rely on online information after you are diagnosed. This can improve your understand-ing of the condition and any potential treatment options.* Seek other avenues of infor-mation. You should never hesi-tate to seek a second opinion or go to a published medical journal to find out more about a condition. You have rights as a patient to be comfortable

with the advice doctors give and be as involved in your treatment as you want to be.* Online forums could be more harm than help. Many people turn to online forums and blogs to gain more insight into particular diseases. While these forums may be good sources of support, informa-tion published on these sites could be misleading, inaccu-rate or unsafe. Before trying any proposed treatment, it is best to consult with your doc-tor.Having a general knowledge of a medical condition can en-able healthcare consumers to make more informed decisions about their situations.

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PERSONAL FINANCE | HOSPICE CARE

Preparing for Hospice Care Hospice care offers palliative, not curative, care, aiming to keep the terminally ill comfortable in their final days. Metro – Sometimes patients succumb to a disease, in spite of the best treatments and support. When the time comes for a family to confront a loved one’s declining health, hospice care can be a dignified way to make that person’s final days as comforting as possible.Hospice is a type of care designed to make the final moments of a person’s life as pain-free and manageable as possible. It can take place in a medical facility, but very often hospice care occurs at home or wherever the ill person feels most comfortable. Hospice care is usually the last

step when all other options have been exhausted. Making the decision to move a loved one to hospice care can be an emotionally wrenching time. Decisions such as these may be better made at a time in a person’s life when he or she is not sick. That is why living wills that spell out details for end-of-life care can be quite valu-able. Decisions are made with a level head and not wrought with emotions. Such living wills also can take the pressure off of family members who may not feel comfortable making such decisions on their own or in concert with relatives.Hospice is a type of care and a philosophy that focuses on the palliative care of terminally ill patients. Rather than provid-ing medication to try to treat the illness, medicine is offered to make a person more com-fortable and remove any pain. Psychological therapy may also be offered to help the person come to terms with the end of life. Although hospice is a concept that has gradually evolved since the 11th century, the principles of modern hos-pice care can trace their roots to the 1950s and Dame Cicely Saunders, a nurse and social worker who is known as the

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creator of the hospice move-ment.If hospice care is outlined in a dying person’s living will or expressed wishes, there are some guidelines that can be followed by the sick individual.* Visit various medical care centers to see if away-from-home options provide the care and environment you desire. If Be sure to establish what type of hospice care you prefer. This may include care within a nurs-ing home or hospital, or in the comfort of your own home.* Sign a medical durable power of attorney. This signed docu-ment gives authority to an adult age 18 or older, who then has the right to make necessary medical and healthcare deci-sions for you in the event you

become incapacitated.* Clearly indicate your wishes regarding resuscitation. A signed document may alert emergency healthcare person-nel or others of your wishes not to be resuscitated. This docu-ment must be signed by you and a doctor and witnessed by others.* Decide on the duration of care. Hospice care generally lasts six months. This enables a long stretch of palliative care. Should you live beyond the time period, hospice care can continue. Studies have shown that patients who receive hos-pice care for at least 30 to 60 days gain greater benefit than those who are placed in hos-pice only in their final days.* Investigate financial op-

tions for hospice. Medicare and Medicaid provide hospice coverage in 44 states. Many private insurance plans have a hospice benefit as well. Under-stand how payment is made to figure out if private funding will be necessary.Not all hospice programs are

the same. Certain core models of care are followed by many hospice facilities, but options vary. Hospice can provide com-fort in a person’s final days and help sufferers better enjoy life and time spent with loved ones in these last days.

It’s the right thing to do for you and your family. Here are fi ve important reasons to plan your funeral now:

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3. You’ll lessen the fi nancial burden. Our easy payment plans make it easy for you to comfortably pay for your funeral over time, at today’s prices, so your family won’t have to fi nd the money later.

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It’s simple, really. How well you retire depends on how well you plan today. Whether retirement is down the road or just around the corner, the more you work toward your goals now, the better prepared you can be.Preparing for retirement means taking a long-term perspective. We recommend buying quality investments and holding them because we believe that’s the soundest way we can help you work toward your goals. At Edward Jones, we spend time getting to know your retirement goals so we can help you reach them.

To learn more about why Edward Jones makes sense for you, call or visit today.

www.edwardjones.com

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Trevor E. ArnoneFinancial Advisor

1455 G Street Suite 101Lewiston, ID 83501

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Sherrie Beckman, AAMS®

Financial Advisor940 Bryden AvenueLewiston, ID 83501

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Brian E. Bailey, AAMS®

Financial Advisor303 Bridge Street, Ste.3

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Jim KubiakFinancial Advisor

1366 Bridge StreetClarkston, WA 99403

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Scott ArnoneFinancial Advisor

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Brad Melton, AAMS®

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Dean E. Roy, AAMS®

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Larry KopczynskiFinancial Advisor2501 17th Street

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Stephanie JohnsonFinancial Advisor517 Thain Road

Lewiston, ID 83501(208) 746-71671-877-490-7167

Christian Leer, AAMS®

Financial Advisor740 5th Street

Clarkston, WA 99403(509) 751-16101-877-751-1610

Sean T. NealFinancial Advisor

Eastside Marketplace1420 S. Blaine, Suite 22

Moscow, ID 83843(208) 882-4474

Jeff Bollinger, AAMS, CFPFinancial Advisor

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Jay Mlazgar AAMS®

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Greg BloomFinancial Advisor

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Matt Sartini, AAMS®

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Life Planning, 2014

Documents

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