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​Life Planning:  How To Take Steps Now For Your Future

11/21/2018

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Planning for your future--or for the future of your children--can be a daunting task, and it can also be an emotionally challenging one. No one wants to think about our children being here without us, but it’s important to make sure your family is well taken care of after you’re gone. Knowing what to plan for in the event of your death--or even for your senior years--can give you peace of mind and can ensure that everything is taken care of when the time comes.
 
Financial planning is a big part of it; you may want to talk to an advisor in regards to how to go about setting up a trust for your children, or how to get started with a living will. This isn’t just a way to make sure your loved ones receive certain benefits after your death; it’s also to make sure that your assets are taken care of even if you suddenly fall ill or have an accident. This is also a good time to think about your senior years and where you’ll live, as many seniors choose to age in place by living at home as long as possible.
 
Here are a few tips on how to get started with life planning.
 
Learn how to set a goal
 
Many of us think of goals as something we must strive to attain but aren’t clear on how to go about setting realistic ones. It’s important to understand how to create a goal for yourself and the steps you must take in order to achieve it. If your goal is to save a certain amount of money for your child’s future college education, the first step is to think about a budget and work with a financial planner to figure out the best way to start. It’s wonderful to have a goal to save $10,000 by the time your child reaches college age, but if you don’t have a plan to get there, it won’t be viable.
 
Know your assets
 
It’s imperative to know what your personal assets are and how much they’re worth. Your home is likely the majority of your assets, so have it appraised and consider making small changes that will add to the value, such as updating the kitchen or bathrooms or boosting the landscaping. Knowing your assets will help tremendously when it’s time to make out a will or talk to your loved ones about the role they’ll play in your final preparations.
 
Communicate with your family
 
Talking to your family about your plans will keep everyone on the same page and will allow for peace of mind that everyone will be taken care of no matter what happens. Keep records of all the details, especially when it comes to finances and investments, in a safe place and designate one person in your family as the one to handle it all when the time comes.
 
Make investments wisely
 
Investing in anything can be risky, so you’ll want to research your options for building your financial portfolio. Investing in the stock market is one way, but you’ll need to either be well-versed in how to get started or have someone knowledgeable about various stocks who can help you, such as a financial advisor.
 
Life planning is a big job that can bring about stress or anxiety, so it’s important to take things slowly and ask for help when you need it. Talk to your loved ones about your plans and stay organized; this will help reduce stress during the entire process.
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How Taking Probiotics Can Help You Enjoy Your Golden Years More

11/14/2018

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Probiotics are yeasts and live bacteria that are beneficial to your digestive system and overall health. Our bodies are full of both good and bad bacteria. Probiotics are essential for keeping your gut healthy as you age. You can find probiotics in supplement form, and they’re also present in certain foods, such as yogurt.

Types of Probiotics
Several types of bacteria are classified as probiotics, and they all have different beneficial qualities for seniors and other age groups. Lactobacillus is the most common, and it is found in fermented foods and yogurt. Certain strains can prevent diarrhea and help those who are lactose intolerant. Bifidobacterium is found in most dairy products and can ease the symptoms of irritable bowel syndrome. Saccharomyces boulardii is a yeast that’s found in probiotics; it’s known to help treat diarrhea and other digestive issues.

They Can Help You Lose Weight
Probiotics can help you lose weight, which will increase your quality of life further if you're carrying a few extra pounds. Scientists believe that probiotics prevent the absorption of dietary fat so that your body harvests fewer calories from the foods that you eat. They can fight obesity by releasing the appetite-reducing hormone GLP-1. An increase in GLP-1 helps you burn more calories and fat, leading to a decrease in fat storage.

The Benefits of Probiotics
Probiotics send food through your digestive system by influencing the nerves that control gut movement. Along with gut health, they are useful for treating urinary and vaginal infections and eczema. They also might play a role in preventing allergies and colds. Researchers have found that probiotic supplements can improve mood and mental health disorders. Bifidobacterium and Lactobacillus strains, in particular, are linked to improvements in autism, anxiety, depression, and obsessive-compulsive disorder.

Some probiotic strains can lower cholesterol and blood pressure, keeping your heart healthy. They break down bile and prevent it from being reabsorbed into the stomach and entering the blood as cholesterol. Probiotics can reduce inflammatory responses in those with milk allergies.

​Over 1 million people in the United States alone have Crohn's disease, ulcerative colitis, or inflammatory bowel disease. Many types of probiotics have improved symptoms in these conditions and are just as effective as prescription medication. Probiotics boost the immune system and prevent the growth of harmful bacteria in the gut. They promote the production of natural antibodies in the body. A study on children found that taking certain strains of probiotics reduced the severity of respiratory infections.


You should talk to your doctor before starting supplementation with probiotics if you are currently taking a prescription drug or antibiotic. You may also need to avoid probiotic supplements if you have a weakened immune system or are allergic to dairy products.

It may seem difficult to learn how to integrate probiotics into your daily lifestyle. However, there are solutions available to help senior citizens get into the habit of healthier living. According to Assisted Living Center, there are several apps and other technologies which can remind people about their probiotics, their benefits, and help them keep track of their progress.


For more tips on maintaining great health as you get older, check out this article! We care about you and your future. Part of that future includes finding the best insurance coverage in case the unexpected happens. Contact us for different quotes today!
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    My name is Dan Hopwood and I first started my career in the insurance business back in 1988.  2023 will be the start of my 35th year in the business. 

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