Senior Guide
5 ways to leave a lasting legacy How to help loved ones
Courtesy Metro Creative handle sundowning
Connection
It is customary for people to take inventory of their lives as they grow older , wondering about their impact on the world and the people closest to them . A legacy is often the story of one ’ s life and the things he or she did through the years .
The good thing about a legacy is it is never too early to begin planning . The following are some guidelines that can help people establish lasting legacies .
Keep track of your story . Grab a journal and start jotting down events that occur in your life . Mention particular achievements or notable things that occur from day to day . Pepper these accounts with stories of your family and childhood to start establishing an autobiography of sorts .
Consider your daily actions . Even though people may imagine it is the grand gestures that are remembered most , quite often it ’ s the simplest acts that make the most impact . Think about the way you treat others each and every day . Smile at people , compliment others and offer positive advice when it is sought .
Research investments that
It ’ s never too early to start planning ways to establish a lasting legacy .
are profitable . If the goal is to make money to leave for future generations , investigate your options . These include assets that can retain their value . According to NewRetirement . com and Stepping Stone Financial , Inc ., vacation homes mean a lot to families and they also can be a source of future revenue should they be rented or sold . Speaking with a financial advisor also can be a sound way to invest the right way to accumulate assets that can be passed down as a legacy .
Name children or other relatives as beneficiaries on Individual Retirement Accounts ( IRAs ). With Roth IRAs , distributions are taxfree as long as the person who set up the IRA met the five-year holding period for contributions and conversions . Beneficiaries can have five years to take out money from the account ; otherwise , they can convert the plan to an Inherited IRA , which stretches out distributions over their life expectancy , according to Investopedia , an online financial resource .
Write a legacy letter . A legacy letter is a way to speak directly to loved ones and say all those things that you had wished you told them earlier but maybe didn ’ t find the words or perhaps never had the time , according to Forbes . The letter ensures others know just how much joy they brought to your life and the pride you had in knowing them .
Leaving a legacy is something people start to think about as they grow older , but it ’ s easy to start planning a legacy regardless of your age .
Personal Checking with Interest
Advantage Account
For customers 50 years of age and older who want checking advantages
■ No minimum balance , but to earn interest a $ 1,000 minimum daily balance must be maintained
■ No monthly service charge fee
■ Personalized checks provided
Courtesy Metro Creative Connection
A diagnosis of Alzheimer ’ s Disease can catch families off guard . When such a diagnosis is made , patients and their families typically have a host of questions , including how far the disease has progressed and what to expect as it advances .
One potential side effect of Alzheimer ’ s Disease that can catch families off guard is sundowning . The National Institute on Aging notes that sundowning refers to the restlessness , agitation , irritability or confusion that can begin or worsen as daylight begins to fade . Sundowning is difficult for Alzheimer ’ s sufferers , but also can be especially hard on their caregivers . As day turns to night , people serving as caregivers to Alzheimer ’ s patients tend to wear down , only to suddenly realize that the people they ’ re caring for are becoming increasingly difficult to handle . The NIA notes that sundowning can continue well into the night , compromising patients ’ ability to fall asleep and stay in bed . Sundowning will not affect every Alzheimer ’ s patient , but caregivers should prepare themselves to handle such a situation should it arise . Learning more about sundowning can be part of that preparation .
Why does sundowning |
occur ? |
The |
exact |
cause |
of |
sundowning , |
which |
is |
sometimes referred to as |
“ late-day |
confusion ,” |
is |
unknown . |
However , |
the |
Sundowning will not affect every Alzheimer ’ s patient , but caregivers should prepare themselves to handle such a situation should it arise .
Mayo Clinic notes that certain factors may aggravate the feelings of confusion felt by Alzheimer ’ s patients who experience sundowning . Those factors include :
• Fatigue ;
• Low lighting ;
• Increased shadows ;
• Disruption of the body ’ s internal clock ; and
• The presence of an infection , such as a urinary tract infection
The NIA notes that one theory suggests Alzheimer ’ s-related changes in the brain can disrupt a person ’ s internal clock , confusing their sleep-wake cycles as a result . That can confuse Alzheimer ’ s patients and contribute to the feelings of agitation and irritability that are common among people who experience sundowning .
What can be done to combat sundowning ?
The NIA recommends looking for signs of sundowning in late afternoon and early evening and trying to determine what might be causing these behaviors . Try to avoid anything that appears to trigger these behaviors , if possible .
Reducing noise , clutter
or the number of people in the room when sundowning symptoms typically appear may help reduce the confusion Alzheimer ’ s patients feel during this time of the day . In addition , scheduling a favorite activity or providing a favorite snack at this time of day can give Alzheimer ’ s patients something to focus on , potentially cutting off the confusion before it surfaces .
The NIA also recommends making early evening a quiet time of day reserved for playing soothing music , reading or going for a walk . Caregivers who also have children to look after can explain the importance of this quiet time to youngsters and ask for their cooperation .
Closing curtains or blinds and turning on the lights at dusk can minimize shadows in the house , potentially making this time of day less confusing for Alzheimer ’ s sufferers .
Sundowning is a symptom of Alzheimer ’ s disease that can be difficult for caregivers to manage . More information about sundowning is available at www . nia . nih . gov .
|
■ Ready Reserve available ( subject to approval )
■ No annual fee for First State Bank ATM / Debit Card
■ Check / deposit ticket images available for $ 2.00 image fee
|
■ E Statement-Electronic delivery of statement ( optional )
■ Online Banking
■ Mobile App
■ Mobile Deposit Capture
Member FDIC
|
320-352-7200 Brenda Gamradt Licensed Insurance Agent First State Agency 8-4 M-F |
423 Main St . • Sauk Centre , MN 320-352-7200 1-800-894-8670 Complete Insurance Service www . firststateagencysc . com |
423 Main Street South , Sauk Centre , MN 320-352-5771 • www . firststatebanksc . com
Brenda Gamradt , Carrie Goebel , Sue Mayer