Life Planning, January 2014

lifeplanning GUIDE 2014

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 Expenses

A Publication of the Lewiston Tribune and Moscow-Pullman Daily News

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FINANCIAL PLANNING | FAMILY

LIFE PLANNING GUIDE

Making Plans: New Parents

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

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.

These latest statistics reported by the United States Department of Agriculture

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

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FINANCIAL PLANNING | FAMILY health 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 Planning New 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.

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FINANCIAL PLANNING | INVESTMENTS

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.

The riskiest nancial move is doing nothing.

Timothy Lynch, CFA

Ken Maestas

Eric Justis

Clearwater Group at Morgan Stanley Timothy Lynch, CFA Portfolio Management Director Financial Advisor

Kenneth Maestas Financial Planning Specialist Financial Advisor

Eric Justis

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.

Financial Advisor

©2014 Morgan Stanley Smith Barney LLC. Member SIPC.

Morgan Stanley CRC588400 (12/12) CS 7338862 MAR014 04/13

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518 Diagonal Street, Clarkston, WA 99403 509-295-5175 www.morganstanleyfa.com/clearwatergroup eric.justis@morganstanley.com

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FINANCIAL PLANNING | INVESTMENTS 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 Strategies Investment 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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LIFE PLANNING GUIDE

FINANCIAL PLANNING | INVESTMENTS professional is generally free of charge, as they earn their income by collecting a small percentage of the Diversify money you invest.

Many of the most For investors seeking profitable portfolios a more hands-on role are based on balance.

Financial Pro vs. in their portfolio, many Self-Investing Allocate some of your Novices to portfolioonline platforms are capital for higher-risk available. They offer the building may benefit stocks and some of it freedom of building your for slow-growth bonds from sitting down with and mutual funds. This a professional financial own investment strategy and feature many video planner to discuss will help overcome and tutorial resources. goals, strategies and market fluctuations, Be sure to research which have been known execution.

Advisors generally have what these companies to occur routinely. charge, though, as in-depth knowledge Money is a source of some can be laden with great emotions for many of the markets and hidden fees and add-on assets that can keep people, and investing you on track. And sitting pricing. can bring out equal down with a planning parts frustration and choosing where you fit with this aggressive vs. conservative model.

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

Donald Montgomery Financial Advisor 132 Thain Road Suite 101 Lewiston, ID 83501 208-746-4366 dmontgomery@wradvisors.com

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FINANCIAL PLANNING | TARGETS

Time to Set Goals

decrease similar spending next month.

Define Your Goals When it comes to finances, you should have short-term and goals. A short-term Financial goals inspire, long-term goal may be a plan to pay off a motivate and mobilize credit card or save enough to put a down payment on a new us into action. They house. keep us on track What types of purchases or payoffs are you looking to during the tough accomplish in the next six to months and help us 12 months? Put them down on paper and keep track of monthly avoid unnecessary toward your goal. impulse spending that progress And stay dedicated. Even an can have a negative extra $20 saved from eating in impact on our finances. on a Friday night can go a long way toward achieving your goal and building your confidence in And setting a goal is the your ability to save. easy part. Sticking to that goal Be Realistic is where the challenge begins.

If you earn $3,000 month, it Unforeseen expenses, probably isn’t a realistic goal to untimely bills and material shove $2,000 of your income temptations are part of daily into savings every 30 days. Be life. Only those who are honest with yourself and choose serious about overcoming a number that you can achieve these roadblocks are truly within your short- or long-term ready to achieve their financial target. objectives.

If you have more than one How to Set a Goal financial goal, it is probably best Don’t wait until your New to choose a primary one that Year’s resolution to set your receives most of your attention. new financial goals. Grab your This will help keep you focused past few bank statements, a piece of paper and a pencil, and on where to most effectively distribute your income. get busy.

And remember to think Write down where every about the long term. Growing one of your pennies have your savings can seem like a went over the past couple of months and organize them into sacrifice in the short term, but the more you sacrifice now, sections like “necessary bills,� “entertainment� and “eating out.� the more wealth you’ll be able to achieve. You’ll be living a Determine which one of much more secure, financially these segments have some rewarding life in the future if you wiggle room and set a goal to take the right steps today.

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LIFE PLANNING GUIDE

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 longterm 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.

529 Plan A recent study by the Financial Industry Regulation Authority (FINRA) Investor Education

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FINANCIAL PLANNING | EDUCATION Education 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 Between your own savings, the student’s ability to earn money and attending a college with an affordable tuition rate, you’ll be • Pell grants, community on much better financial footing after graduation. 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 Payments If 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.

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LIFE PLANNING GUIDE

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PERSONAL FINANCE | PARKING YOUR MONEY

Grow Your Savings

High-Yield Accounts – What You Need to Know About Before Signing Up

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If 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 Deposit In 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 Transactions Many 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 highyield 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 MONEY Minimum Balance Requirements High-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 Earnings You 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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LIFE PLANNING GUIDE

PERSONAL FINANCE | HEALTH CARE

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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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PERSONAL FINANCE | HEALTH CARE Everyone loves fewer taxes Under 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.

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 you If 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.

Your money won’t If you have a high deductible disappear at year end health plan it makes a lot of One of the most important sense to contribute to an HSA. benefits to an HSA is that the With a high deductible it’s a money you put in there is not virtual certainty that you’re liquidated at the end of the going to be responsible for year like a flexible spending some out of pocket costs account. throughout the year and an Some insurance companies HSA can protect your assets. offer the flexible spending Some employers even account as an alternative contribute funds on a monthly buffer against healthcare basis for you, so just having costs and although it has the the account will yield free same tax advantages as an HSA, the money you don’t use money to save for when you need it. disappears at the end of the If you qualify for this type year. of account it’s an absolute This is frustrating because necessity to take advantage you may end up losing more money that the 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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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 LY N E W S

PERSONAL FINANCE | SAVINGS Earned Income Only The 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.

provision of the plan.

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

Understand the Contribution Limits The 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

Understanding the rules associated with the Roth IRA will help you make the most of this exciting and unique retirement savings vehicle. If you are convinced that tax rates have nowhere to go but up, getting in on a Roth IRA now could provide the protection you need well into the future.

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Eligibility for Continuing Contributions One 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 can be an important benefit for those who plan to work in retirement and need a way to put money aside for the future with the prospect of tax free withdrawals down the line.

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LIFE PLANNING GUIDE

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PERSONAL FINANCE | RETIREMENT PLANNING

Supplement Your Pension Need more retirement income?

Look at these choices Pensions 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.

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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.

IRAs There 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 Employer Options What kind of retirement accounts match. One benefit is that you can invest it in any mutual fund are available through your employer? Many employers offer instead of using the companya 401K, or a 403B if you work for chosen fund.

A Roth IRA is a bit different. the government.

When you set up a 401K, you can You don’t invest pre-tax dollars. contribute money tax-free. When Instead, you pay taxes on all your you withdraw it during retirement, contributions now, but when you withdraw it during retirement, you you pay income taxes on the initial contributions and earnings. don’t have to pay any taxes, not The money that would have gone even on the earnings. You can to taxes can stay in your account earn a large return and not pay any taxes on it as long as it stays for many years until you retire in your account. earning more money through Another benefit is that you can capital gains and dividends. withdraw your contributions before Some employers will match your contributions up to a certain retirement without penalty if you need to because you already paid percent. For example, they might match 50 percent of your taxes on it.

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PERSONAL FINANCE | HOMEJim HEALTH Gorzelany

When Home Alone Isn’t isToCkphoTo.Com Enough one of the CTW feaTuRes

Families face difficulttoughest choicesdecisions when one or manyno of longer us will face both of their parents can liveinon our lifetimes is what to their own. do when an aging par-

One of the toughest decisions many of usno willlonger face in live our lifeent can times is what to do when an aging parent can no longer live independently.

Justmother, ask independently. Just ask Theresa Duff of Joliet, Ill. Her Rita, already losing her eye-sight from macular theresa Duff degeneration, of Joliet, was further hobbled by a broken shoulder and two shattered Ill. her mother, Rita, wrists due to a fall. “It was painful to see mom, who had raised eyea house full of kids, nursed her already husband losing after hisher stroke and remained active into her 80s, suddenly become so frail,” sight from macular Duff says. degeneration, was furAs the population ages, the number of adults who need long-

ther hobbled by a broken shoulder and two shattered wrists due to the U.S. Department of choices carefully to a fall.“It was painful to health and human Seraddress her needs, see mom, who had vices.While the departwishes and dignity.” raised a house full of ment says family If a family member kids, nursed her husmembers and friends feels a parent who’s livband after his stroke are the sole caregivers ing on his or her own is and remained active for 70 percent of the on the decline and into her 80s, suddenly elderly, this may not needs custodial assisbecome so frail,” Duff always be possible or tance, he or she should consult with a medical Not ready says. for a Nursing Home? practical.“Mom wasn’t of the West winner 3 years either in a row!

As thestaypopulation ready for a Best nursing professional.

Seubert’s Quality Home Care helps seniors in the comfort of their own homes by providing help with day to dayages, needs.the Fromnumber a few hoursof a week to 24 hours a day, home just yet, but none way it’s essential to our caregivers come into your home and help with tasks such as running errands, adults who need longof the family members determine what level shopping, cleaning, and laundry. As your needs increase, we are there to help with care rises. of care is needed.this bathing, dressing, and term meal preparation – all About daily living needs!still living in the area nine million senior citihad homes that could can run from simple Tollwith Free 800-597-6620 zens willMoscow need some accommodate her limit- help housekeepLewiston Office Office Grangeville (208) 743-1818 (208) 883-1114 (208) 983-5275 Proudly serving you since 1988. form of long-term care ed mobility,” Duff says. ing and shopping to sqhc@cableone.net sqhcmoscow@cableone.net sqhcgrangeville@cableone.net www.seubertsqualityhomecare.com this year, according to “We had to weigh our more acute levels of care such as health 2011, 2012 & 2013

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LIFE PLANNING GUIDE

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PERSONAL FINANCE | HOME HEALTH term 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 department 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, wishes 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 family’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 HEALTH For many, in-home health care can be a desirable and reasonably affordable option.

Those who require only modest assistance may have their needs served by a part-time caregiver. Those requiring additional help may require 24hour 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 being 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 maintains 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 assisted living facility may be best.

Residents often live in separate apartments, enjoy communal meals and participate in planned activities. Costs usually depends on the size of the living area, services required and where the facility is located, adding up to several thousand dollars a month.

For those who require constant 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 personal assets are exhausted and he or she has no other means to cover the cost.

All nursing homes that participate in Medicare or Medicaid are subject to annual inspections. In addition to personal vetting of any facilities under consideration, it’s a good idea to compare these inspection records by consulting the “Nursing Home Compare” re-

A Compassionate Care Company

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.

LEGACY 4 0 3 7 3 1 AY- 1 4

e Lewiston e Orofino e Kamiah e Grangeville 150 126th St, Suite B 526 17th Avenue Orofino, ID 83544 Lewiston, ID 83501 Office 208-476-3714 Office 208-746-7433 e toll free: 1-866-919-CARE (2273) e email: compcare@suddenlink.net

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

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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 preferred 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 showing up or being inattentive to mom’s needs, and it afforded her some independence and socialization without her having to be cooped up alone at home.” © cTW features

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source at www.medi-care.gov.

Circle

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

Legacy Circle is a special club designed to honor those who have recognized Tri-State Hospital Foundation in their estate.

Mary Poe † Walter W. Seibly, MD † Illa Smith Alexander & Beth † Swantz Dale & Verla Ward † Sandra (Ward) Eckmann † Lois D. Williams †

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!

HOSPITAL

1347 12th St. | PO Box 636 Clarkston, WA 99403 509.758.4902

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LIFE PLANNING GUIDE

PERSONAL FINANCE | ASSISTED LIVING FACILITY

S A T U R D A Y, J A N U A R Y 2 5 , 2 0 1 4

As for Mom and Dad

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 What to look for in a nursing home, seniors and their families should at least an assisted living know what to look for just in facility. case.

Determine individual needs: Men and women researching Metro â&#x20AC;&#x201C; As men and women enter their golden years, many potential living facilities might find it difficult to determine decide they can no longer their specific needs. maintain their homes and Unforeseen health conditions, choose to downgrade to for instance, might dictate something smaller, be it an apartment or a condominium. which option is the best fit.

Men and women who have a For millions of others, health medical condition that requires plays a significant role when deciding where to move when routine monitoring will almost certainly want a skilled nursing itâ&#x20AC;&#x2122;s time to sell their homes.

According to the AARP, slight- facility. But those without medly more than 5 percent of peo- ical conditions who need help

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PERSONAL FINANCE | ASSISTED LIVING FACILITY 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 procedures: Each facility should be ready and willing to share and discuss its policies and procedures with regards to residents. 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 practices, including certification requirements, for its personnel? 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 nursing homes offer higher-quality care, better staff-resident ratios, and have fewer health violations than facilities managed by for-profit companies.

Men and women researching facilities can visit Caring.com , an online resource for men

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LIFE PLANNING GUIDE

PERSONAL FINANCE | ASSISTED LIVING FACILITY

We make a difference.

and women caring for aging relatives. The website enables adults to compare nursing homes in their areas, including if a home is for profit or nonprofit, and the home’s capacity. 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 factors.

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 considering to get a firsthand account of what life at that facility is like. Observe the staff interactions with residents, including if they address residents with

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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 welcoming, 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 necessarily 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.

• Urgent Admissions 24/7 • Two Hours from Call to Assessment • Luxurious Fully Furnished Respite or Long Term Apartments Available • RN/LPN on Duty 7 Days A Week • Certified Assisted Living Staff 24/7 • Personalized Service and Assistance • Emergency Call Response System in All Apartments

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erenity Tour Lewiston’s Premiere lace Assisted Living Facility

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Quality Care, Every Day Our nursing and rehabilitation center provides a full range of medical and social services to treat and support each and every one of our patients and residents. Our Rehab-Care provides intensive rehabilitation care to help people return to their lives with as much independence as possible!

Proud to be Providigm QAPI Accredited and recipients of the 2013 Embracing Quality Award as a top performing nursing home.

Debbie Freeze RHIT

Executive Director 36 years experience in rehab. and long-term care

Traci Kingsley

Marketing/Admissions Coordinator 28 years experience

We Offer:

Recover in a cozy, home-like setting!

• Transitional Care Unit

- Short-term Rehabilitation Unit Physical Therapy, Occupational Therapy, Speech Therapy - Outpatient Therapy

• Medical Staff – Dr. Patricia Brady, MD, Dr. Steven Ozeran, MD, PA and Chad Davis, FNP, BC (Psychiatry) • Complex Wound Care Team • Selective Menu’s and Fine Dining Eat in our Bistro style dining room!

Serving Lewiston for over 40 years!

Mary Moree RN, DNS Director of Nursing Services 25 years multifaceted background with 10 years in long-term care at the center

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Director of Rehabilitation With Kindred Transitional Care and Rehab since July 2012.

• 24-hour RN Care • Complex Diabetic Care • On-site Mental Health Consultant • Transportation to Dr. appts. and Dialysis • Medicare, Medicaid, Managed Care Contracts and VA approved • End of Life “Serenity Suite”

MAKE A RESERVATION

If you have a scheduled surgery and will need Rehabilitation therapy following the procedure, call and make a reservation for your continued care.

Our therapists will work with your physician to get you back home as quickly as possible.

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Please call to schedule a tour or just drop in. We are always available to show you the center and answer any questions you may have.

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208-743-9543 • 3315 8th Street, Lewiston

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LIFE PLANNING GUIDE

PERSONAL FINANCING | HOME HEALTH CARE

How to make informed healthcare decisions

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that, in the past, was not easily available. A few decades ago, medical data may have been elusive and filled with confusing jargon the layperson might not have understood without a crash course in biology. However, today there are different Web sites that clearly spell out information about certain METRO â&#x20AC;&#x201C; The typical healthillnesses and diseases. This care patient has changed in means that patients may no recent years. No longer are longer be walking blindly into individuals putting all of their appointments with doctors. healthcare decisions into the Facing an illness is never hands of nurses and doctors. easy, and the decision-making Patients are more informed than ever before and are inter- abilities could be hampered by emotions and the desire to imested in taking a more active prove as quickly as possible. role in their own care.

Thanks to the Internet, people Patients who do not have all are able to access information of the facts may have to rely

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l e w i st o n tr i b un e & m o s c o w - p u l l m an da i l y n e w s

PERSONAL FINANCE | HOME HEALTH CARE solely on the expertise of caregivers and physicians when making important healthcare decisions. By knowing the avenues of information, a patient can find assistance with careful decision-making.

While learning about an ailment 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 medical affiliations. Other sites may be peppered with exaggerated 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 assumptions about what ailments you may have. Instead of using the Internet to self-diagnose your condition, leave the diagnosis up to your doctor and rely on online information after you are diagnosed. This can improve your understanding of the condition and any potential treatment options. * Seek other avenues of information. You should never hesitate 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, information published on these sites could be misleading, inaccurate or unsafe. Before trying any proposed treatment, it is best to consult with your doctor.

Having a general knowledge of a medical condition can enable healthcare consumers to make more informed decisions about their situations.

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Come see the difference that Bishop Place can make for you!

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LIFE PLANNING GUIDE

PERSONAL FINANCE | HOSPICE CARE

Preparing for Hospice Care

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 Hospice care that spell out details for endoffers palliative, of-life care can be quite valuable. Decisions are made with not curative, care, a level head and not wrought aiming to keep with emotions. Such living wills also can take the pressure off the terminally ill of family members who may comfortable in their not feel comfortable making such decisions on their own or final days. in concert with relatives.

Hospice is a type of care and Metro – Sometimes patients a philosophy that focuses on succumb to a disease, in spite the palliative care of terminally of the best treatments and ill patients. Rather than providsupport. When the time comes ing medication to try to treat for a family to confront a loved the illness, medicine is offered one’s declining health, hospice to make a person more comcare can be a dignified way to fortable and remove any pain. make that person’s final days Psychological therapy may as comforting as possible. also be offered to help the Hospice is a type of care person come to terms with the designed to make the final end of life. Although hospice moments of a person’s life as is a concept that has gradually pain-free and manageable as evolved since the 11th century, possible. It can take place in a the principles of modern hosmedical facility, but very often pice care can trace their roots hospice care occurs at home to the 1950s and Dame Cicely or wherever the ill person feels Saunders, a nurse and social most comfortable. worker who is known as the Hospice care is usually the last

Malcom’s Brower-Wann Funeral Home

•Burial or Cremation Services •Pre-arranged funeral plans are guaranteed •Webcasting available from our chapel erving the n S •Modern comfortable facility with k regio Lewis-Clar 24. up-to-date Audio/Video since 19 •Professional Service ~ Personal Caring

Burial or Cremation

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www.malcomsfuneralhome.com (208) 743-4578

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PERSONAL FINANCE | HOSPICE CARE become incapacitated. * Clearly indicate your wishes regarding resuscitation. A signed document may alert emergency healthcare personnel or others of your wishes not to be resuscitated. This document 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 hospice care for at least 30 to 60 days gain greater benefit than those who are placed in hospice only in their final days. * Investigate financial op-

What You Need to Know About Prearranging

tions for hospice. Medicare and Medicaid provide hospice coverage in 44 states. Many private insurance plans have a hospice benefit as well. Understand 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 comfort in a person’s final days and help sufferers better enjoy life and time spent with loved ones in these last days.

Choosing to Live Every Moment At Auburn Crest Hospice, we believe in the power of choice and the right that we all should choose to live every moment.

• Dignity • Compassion • Service • Knowledge • Comfort • Professionalism Lewiston (208) 743-2222 Post Falls (208) 773-7731 Treasure Valley (208) 321-5073 www.auburncrest.com

1407 16th Ave., Suite B

Thinking of Pre-planning Your Funeral or Cremation

Why Should I Prearrange Services?

It’s the right thing to do for you and your family. Here are five important reasons to plan your funeral now: 1.

You’ll protect your family from unnecessary pain & expense.

2.

You’ll say goodbye in a way that uniquely reflects your personal style — not someone else’s.

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You’ll lessen the financial 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 find the money later.

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You’ll show your love in a way your family will never forget.

1225 E. 6th Street • Moscow, ID (208) 882-4534 www.shortsfuneralchapel.net

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creator of the hospice movement.

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-fromhome 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 nursing home or hospital, or in the comfort of your own home. * Sign a medical durable power of attorney. This signed document gives authority to an adult age 18 or older, who then has the right to make necessary medical and healthcare decisions for you in the event you

• Prepayment guarantees the cost of services and merchandise at today’s price.

• Ensures your wishes are met • Pre-plan in your home, our office, by phone or online

Vassar-Rawls Funeral Home & Crematory Exceptional Service

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Our Family, Serving Your Family since 1898.

920 21st Ave. Lewiston • 208-743-6541 or 800-584-8812 www.vassar-rawls.com

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Dreaming Up

the Ideal Retirement Is Your Job. Helping You Get There Is Ours.

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

Brad Melton, AAMS®

Scott Arnone

1024 16th Avenue Lewiston, ID 83501 (208) 798-4742 1-877-798-4770

1702 G Street Lewiston, ID 83501 (208) 746-1114 1-888-746-1123

302 5th Street Clarkston, WA 99403 (509) 758-8119 1-800-441-2308

Financial Advisor

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Christian Leer, AAMS® Brian E. Bailey, AAMS® Financial Advisor

740 5th Street Clarkston, WA 99403 (509) 751-1610 1-877-751-1610

Financial Advisor

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Jim Kubiak

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940 Bryden Avenue Lewiston, ID 83501 (208) 746-3875 1-800-646-8316

1455 G Street Suite 101 Lewiston, ID 83501 (208) 746-2308 1-800-441-2308

Financial Advisor

Financial Advisor

Larry Kopczynski

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2501 17th Street Lewiston, ID 83501 (208) 798-4732 1-866-798-4732

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122 Johnson Avenue Orofino, ID 83544 (208) 476-3271 1-866-904-3271

Financial Advisor

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®

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Greg Bloom

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Eastside Marketplace 1420 S. Blaine, Suite 22 Moscow, ID 83843 (208) 882-4474

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Dean E. Roy, AAMS®