Northland Family — January 2014

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Wrap your arms around good health in 2014 Missouri adds newborn health screening with Chloe’s Law Making filing your 2013 return less taxing The Accidental Parent asks, ‘What if?’ Advice to the recently engaged: Have a talk about insurance

January 2, 2014 Liberty Tribune The Kearney Courier Gladstone Dispatch The Smithville Herald


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Lib e r t y Tr ibun e , The Ke a r n e y Cou ri er, Gl a d s to ne Di s pat c h, T he S mi thv i ll e Hera l d

Making filing your 2013 return less taxing Although some are ready to say their fond farewells to 2013, thought needs to be given to the 12 months that just passed as tax-filing season approaches. It’s never too soon to begin preparations for filing income taxes. Some people prefer to toast the new year and then arrange appointments with their accountants, while others use the new year as an opportunity to get organized and start compiling paperwork and tax questions. Preparing for tax time at the dawn of a new year can make the process go more smoothly in the months ahead. Here are some tips on how to prepare for the upcoming tax season.

Start a documents folder. Employers, charitable organizations, banks and other financial institutions begin mailing out tax forms from the previous year in early January. Individuals should keep their eyes open for any mail that appears to be tax-related. Store these documents in a folder that can protect any sensitive information. Such folders also make information more accessible as more and more documents arrive in the mail. Begin collecting receipts and itemizing expenses. Many expenses are tax-deductible. These can include education costs, moving expenses, home improvements, medical expenses, charitable donations and childcare costs. Store receipts and other documentation, including canceled checks, with the other tax documents.

Tax-filing season is right around the corner, and the dawn of a new year is a great time to start gathering documents and preparing returns.

Procrastination is not a plan…. Your death and incapacity will be difficult for you family. What is your plan? You should learn about the basics of good estate planning. Community Education Classes this Winter Park Hill SD Administrative Center TUESDAY March 4 & 11 (7 to 9pm) To register: 359-4060 or parkhill.k12.mo.us

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Estate planning is important! Sanderford Law Office has helped over 3,000 families plan for these difficult times. Death and incapacity are issues we don’t want to think about, but they are very real parts of life, failing to plan effectively for these difficult transitions can place a much greater emotional and financial burden on your family. Please plan to attend one of these community education classes or CALL or E.MAIL our office to schedule a free initial consultation. (tele.) 818.415.9455 or (e.mail) jsandsix@sbcglobal.net. SANDERFORD LAW OFFICE, is conveniently located at the intersection of I-35 and Hwy 152 in the State Farm Building next to the Bob Evans Restaurant. Please visit our website at SanderfordLaw.com for more information. The decision to hire an attorney is an important one, and should not be based on advertisements alone.


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These will come in handy should an audit ever be ordered. Create a spreadsheet of important information. It is handy to have all financial information at the ready. Some accountants will lower their fees if people do some of the filing preparation work themselves. This can include creating a profit/loss statement on investments or working up a tally of charitable donations. Make an itemized list of all pertinent information so it will be handy when tax-filing time arrives. Decide on a filing option. Technology has made filing taxes much easier. Tax preparation software is available for those who choose to file their taxes themselves. There also are walk-in centers that will prepare tax-filing documents. Individuals also can visit a certified public accountant. Whatever method taxpayers choose, allow for

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ample time to gather information and get the taxes filed by the deadline. Leave some wiggle room in case one filing method doesn’t work out. Start saving money. Although the goal is to get a refund each and every year, taxpayers sometimes owe money, which can be troublesome for men and women whose budgets are stretched thin already. Those who owed money in the past should begin saving money for tax expenses as early as possible. Develop a good filing system. Many financial professionals will advise people to keep financial records for seven years. Any tax documents should be kept together should they need to be referenced or if an audit is ordered. Designate a filing cabinet or a box specifically for tax documents.

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Lib e r t y Tr ibun e , The Ke a r n e y Cou ri er, Gl a d s to ne Di s pat c h, T he S mi thv i ll e Hera l d

The Accidental Parent

What if? By Betsy Lee

My Sienna minivan crests the gutter, easing into my driveway. I push the shifter to “P.” The lights in my house are on and, I know, inside, there are three smiling, laughing children with a glint in their eyes. They always have that light when they spend time with Grandma. I know I should go in. And I should do my motherly duty, tucking them gently, tear-free, into their beds. But I don’t want to. So I sit, the seatbelt still resting on my shoulder.

Things haven’t been easy lately. There’s been more yelling than playing. More timeouts than hide-and-seeks. More tears than laughter. The stress and burden of having three children under age 6 is much more than I ever imagined. I never pictured piles of laundry, endless cooking and being kicked in the face by an overwhelmed 3-year-old. I didn’t envision looking at the precious little people I created as life-sucking vultures, holding my freedom hostage in sticky, marker-covered hands. I always thought I would be apologizing for my demanding work schedule, while secretly cherishing the sweetness of

personal accomplishment. As these burdens swirl in the darkness, it occurs to me: What if? What if I put the car in reverse? What if I told no one and just didn’t come home tonight? What if I put down the weight that sometimes seems to have crushed everything I used to be? Would I be the writer I always imagined I’d be? Would I travel the world as a nomad, searching for meaning in the chaos of humanity? Right now, this very minute, I could buy a plane ticket and spend tomorrow morning wandering the streets of New York City. I could luxuriate on the

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really saying — that I sometimes feel like I’m drowning? My hand is resting heavily on the shifter. I move my hand to the key, still resting in the ignition. And I turn it. Off. I open my car door and feel the hard pavement through the soles of my boots. I walk along the curved path to my front door. And when I turn the knob, I hear peals of laughter. I put a smile on my face. And, inhaling deeply, I cross over the threshold.

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If weight loss is one of your New Year’s resolutions but a gym membership isn’t in your budget, there are some small, simple changes you can make that will make a big difference, according to Dr. Elizabeth Gerstner of The Liberty Clinic. Making dietary changes and adding exercise into a routine isn’t easy. But before dismissing healthy eating and exercise, consider this: Many medical problems can be prevented by these two things that

the President’s Council on Fitness, Sports & Nutrition. 3. See your physician for a physical and find out if your blood pressure, cholesterol or blood sugar are putting you at risk for heart disease, stroke or diabetes. “Even if you’re not at high risk, knowing that you are able to prevent all of the above simply by controlling what you eat and living a more active lifestyle can be a strong motivator,” Dr. Gerstner said.

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Wrap your arms around good health in 2014

“A healthy lifestyle is one of the most key things you can do to control your health,” Dr. Gerstner said. “Exercising, eating well and avoiding tobacco and excess alcohol truly have huge payoffs to adding years to your life, and keeping your brain and mind young. Diet and exercise work in conjunction to keep your heart strong and positively affect every organ system in your body. These are the major things you are completely in control of, and it’s your choice whether you want to potentially add healthy, active years onto your life.” The key is to start by setting small goals. Dr. Gerstner offered the following tips:

your overall well being,” she said. “Cutting out the fatty, fried and sugary foods and soda pop, and eating more vegetables, fruits and lean meats can make a huge difference.”

1. Cut out the bad and focus more on the good things to eat. “It is important to remember the things you are putting into your mouth affect

2. Add aerobic exercise — where your heart rate is raised consistently — into your routine at least three to four times weekly for 30 minutes at a

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time. During the winter, use exercise videos or a treadmill, walk up and down stairs, pace, do jumping jacks or jog in place. Currently, less than 5 percent of adults participate in 30 minutes of physical activity each day, and only one in three adults receives the recommended amount of physical activity each week, according to statistics available from

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4. Avoid tobacco use and excess use of alcohol. “They affect every organ system negatively and neutralize any other healthy lifestyle changes you may be making.” Most of all, Dr. Gerstner said, stop making excuses. As a full-time physician, wife and mother of two, she understands a busy lifestyle. “There really are no excuses,” she said. “We all have things going on in our lives. But we also all want to keep living and keep being able to be active. It’s not supposed to be easy; that’s why it’s called ‘working out.’ But it has huge payoffs, and it’s up to you — and only you — on what rewards you want to reap both now and in the future.” To join others whose new year’s resolution is weight loss, find out more about Liberty’s Commit to Get Fit Weight Loss Challenge in 2014 — to collectively lose 1,200 pounds and shed 120 inches in 12 weeks. For information, go to www.ci.liberty.mo.us. — Liberty Hospital


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Lib e r t y Tr ibun e , The Ke a r n e y Cou ri er, Gl a d s to ne Di s pat c h, T he S mi thv i ll e Hera l d

Education, commitment key to weight management She will offer an overview of the Transitions Lifestyle System she teaches on Saturday, Jan. 11, at St. Luke AME Church, 443 N. Main St. in Liberty. The timing is meant, in part, to coincide with New Year’s resolutions to lose weight. For Leibold, weight management is not just about numbers on a scale, which she uses sparingly. “When I’m talking about weight

By Amy Neal Stay informed to stay well. That’s been the mantra of Registered Nurse Julie Leibold for the past several years.The community health educator will come to the Northland to teach a 12-week class on living that philosophy with the goal of weight management starting this January.

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management, I’m talking about health care,” she said. Working for Northcare Hospice, Leibold has seen the result of problems directly related to lifestyle choices and says education can help people make good choices. “The goal is always making people healthier and giving them a better quality of life,” she said.

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But keeping a New Year’s positive affirmations and journaling. resolution to lose weight can And if they hit a weight-loss plateau, be challenging. Researchers at the they can expect three questions from University of Minnesota have found Leibold: What are you doing? What that 80 percent of resolution-makers are you not doing? Are there other have given up by Valentine’s Day. health conditions we have to look at? In Leibold’s experience, lack of “It’s not about making people feel preparation and guilty,” she said.“It’s commitment are two about helping people The Transitions Healthy big contributors to move forward.” Lifestyle program led by people not keeping She encourages Registered Nurse Julie their New Year’s people to use to Leibold will meet for resolutions or other their advantage 90-minute sessions once a attempts at living the heightened week for 12 weeks after a healthier. nationwide free overview session from “If you’re not awareness of 9:30 to 10:30 a.m. Saturday, prepared, your the health risks Jan. 11. Contact Leibold at old life is going to associated with 517-6802 for class details creep back in,” she obesity and and fees. said. “You have to intolerance to commit emotionally, certain foods to spiritually, physically.” make good food Leibold said each participant in choices when eating out as well as at the Transitions system she represents home. had to decide whether this was the Diners should ask restaurants for right time for that individual to do this healthy alternatives to menu items, kind of program. The overview session, such as a cup of fruit for dessert. where Leibold will talk about low“They have fresh fruit in the back,” glycemic-index eating, exercise, stress she said. “They put it all over the reduction and supplementation, cheesecakes.” should help them do that. Managing Editor Amy Neal can be After the overview, participants can expect a gentle detoxification, reached at amy.neal@npgco.com.

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Avoid expensive resolutions. Before making a resolution, research how much a resolution might cost. If money is a concern, choose resolutions that are fiscally possible. Don’t give up too easily. Resolutions will not necessarily be easy to keep, but the longer you stick to a resolution the easier it becomes to make it a reality, so resist the temptation to throw in the towel too early. — Metro Creative

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Lib e r t y Tr ibun e , The Ke a r n e y Cou ri er, Gl a d s to ne Di s pat c h, T he S mi thv i ll e Hera l d

Starting this year, Chloe’s Law will require every infant born in Missouri to be screened for critical congenital heart disease. More than 30 other states also have added CCHD to their lists of disorders for which newborns are screened shortly after birth. Congenital heart defects are the most common type of birth defect in

the United States, affecting about 1 percent of births each year, according to the Missouri Department of Health and Senior Services. CCHD makes up from 17 to 31 percent of all congenital heart defects and requires either surgical or catheter intervention soon after birth. If left untreated, CCHD can lead to death or serious developmental delays.

With an incidence of approximately 18 out of every 10,000 babies, it is estimated there are about 140 babies born in Missouri each year with CCHD. Without early intervention, these babies could be sent home at risk of developing serious complications within the first few days or weeks of life. CCHD screening is a non-invasive

method using pulse oximetry to measure the amount of oxygen in the baby’s blood. The American Academy of Pediatrics, American Heart Association, March of Dimes and other national organizations have recommended CCHD screening be added to the routine screenings provided to all newborns.

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Lib e r t y Tr ibun e , The Ke a r n e y Cou ri er, Gl a d s to ne Di s pat c h, T he S mi thv i ll e Hera l d

Critical financial questions to ask before ‘I do’ Engagement season is officially here, with couples around the country saying “yes” to proposals and starting to plan their weddings. In fact, 39 percent of marriage proposals happen between Thanksgiving and Valentine’s Day, according to WeddingChannel. com. While immediate discussions with your partner might be focused on the ceremony venue or honeymoon location, there’s another important consideration before saying “I do” — having the finance talk. Joining your lives through marriage also means joining your lives financially. Having a solid understanding about money, which includes insurance, will help ensure a marriage remains strong long after the honeymoon is over. However, many couples are skipping important conversations. While 71 percent of newly married couples acknowledge the importance of sharing beneficiary designations before

misunderstandings and help ensure your marriage remains strong by having a talk about these matters as soon as possible.

Research shows disconnect between what couples say and do when it comes to insurance conversations before marriage marrying, almost half never got around to addressing their life insurance needs prior to the wedding, according to a survey by the National Association of Insurance Commissioners. And it’s not just young couples who are skipping the conversation — newlywed couples

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Health — Should we each be on the same plan, or maintain individual plans? What is the best approach for insuring our children? Having health insurance isn’t only important for each person in a marriage, but starting in 2014, it is subject to considerable changes in law. When analyzing plans,

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the lowest premium isn’t the only consideration. Review all plan elements, including deductibles and co-pays. Most couples have the opportunity to combine plans after they are legally married. Auto — Getting married may have a positive effect when you combine your auto insurance plan, but a lower rate is dependent on both you and your spouse’s driving records. If you married a speed demon, it might not make sense to combine policies even after you say “I do.”

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Life — Now that “I” means “we,” couples should evaluate life insurance based on future income potential, the cost of raising children and outstanding mortgage payments. In many states, your new spouse does not automatically become your beneficiary on existing insurance policies. Once you tie the knot, you must proactively contact your human resources department or other health and life insurance providers to change beneficiaries.

lighthearted way to approach the sometimes sensitive subjects of money and insurance, sit down with your significant other and review the “Insurance Survival Guide for Newlyweds” available on the NAIC’s website, www.insureuonline.org.You also can play “I Do Adventures,” which allows players earn points while learning insurance facts and lessons. If you have additional insurance questions, contact the state insurance commissioner for unbiased information.

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