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Is Alzheimer’s Disease a growing problem?

Is Alzheimer’s Disease a growing problem these days or has it always been around but called a different name, or not as frequently diagnosed?

The term Alzheimer’s Disease was first used in 1910 after Dr. Alois Alzheimer discovered shrinkage and abnormal deposits in the brain upon doing an autopsy of a woman who had profound memory loss. In the late 1960’s assessment tools were developed  to measure mental and functional decline in the brains of older adults. Advances in technology allowed scientists to study brain cells in detail and observe during an autopsy that there were similar changes in the brain among those with memory loss.

In 1974 the National Institute on Aging established federal funding for Alzheimer’s research. The Alzheimer’s Association was founded in 1980 to advance research, support those affected by the disease and promote brain health. Efforts by the National Institute on Aging and Alzheimer’s Association have increased our awareness of the disease as a nation.

Back in the 60’s & 70’s scientific research and discoveries were not publicized in popular media. When an elderly person seemed confused, we called them senile. Remember the term “hardening of the arteries?” Families would try to keep it hush-hush and help their spouse or parent in the privacy of their own home. In the rare case a diagnosis was made, there were no medications or treatments available.

Fast forward to the current decade and you will notice people are much more forthcoming about illnesses, age-related or otherwise. The generation of Baby Boomers, who tend to be vocal about their wants and needs, and demand solutions to their problems, are now dealing with aging parents.

The rise in the number of Americans diagnosed with Alzheimer’s Disease cannot be simply attributed to better diagnostic tools and the willingness of people to speak openly about their challenges. While the medical community cannot definitively answer the question either, examining risk factors can give us a clue.

The first risk factor is age. The older you get, the greater the risk of developing Alzheimer’s. In 1900, 4% of the U.S. population was over the age of 65. In 2012, that percentage increased to 13.7%. As the population grows, so do the number of Alzheimer’s cases.

Family history of Alzheimer’s is another risk factor, and the risk increases if more than one family member has been diagnosed. There is a genetic component to the higher risk, but researchers are also looking into environmental factors family members share. According to the Alzheimer’s Association, risk genes increase the likelihood of getting the disease, but do not guarantee it will happen. Risk genes have been found to be a factor in 20% – 25% of the cases. Deterministic genes, which are found to directly cause the disease, are a factor in less than 5% of the cases.

Other risk factors include diet and exercise, low mental stimulation, and social isolation. It is no secret that Americans could improve their nutrition, increase physical activity, and limit watching TV and other passive brain activities.

It makes sense to propose that as the risk factors of old age, genetics and poor lifestyle choices are present in a greater population in America, so does the growing incidence of Alzheimer’s.

 

 

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Caregiver burnout

Care giving for a spouse suffering from Alzheimer’s disease or another form of dementia raises the mortality of the spouse providing the care.

This is a very complex time in life. We often see a family caregiver who has lost weight, is sleep deprived and a has compromised immune system. It is ironic that the family caregiver’s health fails while their loved one is in relatively good health other than the effects of dementia.

Resentment can also set in on the caregiver. Irritability, hopelessness and helplessness also take over. Some are filled with anger, sadness, and a sense of failure. Depression is a risk as a result of these stressors, emotions and illnesses. It becomes clearer why caregiver mortality rises.

Studies show that mortality rises when a spouse is providing care for dementia.  Most studies show about a 63% increase in mortality for the caregiver in this type of situation.  Unfortunately it does not stop there.  A study done by The New England Journal of Medicine in 2006  shows that a wife’s risk of death is 61% greater during the first 30 day following the death of her husband.  While not as great, the husband’s risk is 53% following the 30 days after his wife passes.

Imagine planning for your golden years throughout your adult life. Perhaps you envisioned traveling the world on cruise ships, or seeing the USA in a RV, or even a simpler life puttering around in the garden, doing things you never had time for earlier. These visions fade because of a horrible disease.

Providing care for your spouse with dementia makes it difficult to sleep, shop, cook, and do most other activities that were routine and once taken for granted.  Socializing becomes a thing of the past. The caregiver stops going to church, family functions, and social events as a result of having to stay home to make sure their spouse is safe.  Isolation and burn-out can be self imposed because of the belief that no one can do it as well as a family member.

Furthermore, the family caregiver feels a loss of  identity as mom, dad, friend, confidant, grandma or grandpa when every ounce of energy is directed at caregiving.

There are devastating consequences to personally providing 24 hour care 7 days per week without getting outside help.

If you can identify with the above, take it upon yourself to get help. Many communities have caregiver support groups where you can find out how others cope successfully. Senior centers may offer day care and there are agencies where you can hire caregivers to give you a break by coming in for a few hours on a regular schedule. Assisted living facilities often have respite programs for overnight stays.

 

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Masking Memory Loss

As children grow up and leave the nest, they often spread out to different cities and even states. Career opportunities, a desire to live in a different environment, or the location of spouse’s family are just some of the reasons for moving away from their home town. Sometimes, they just need a little breathing room from their siblings or an overbearing parent. Family relations don’t ease with distance but may possibly soften over time. That is until, family members are confronted with a difficult situation.

Let’s say for example Joe, the oldest son, moved to the East Coast shortly after graduating from college. He made a point to visit twice a year, until the demands of his own family and job prevented him from making regular trips back to California. The youngest daughter Julia became a nurse and remained close to her parents in their home town. She and Joe had opposite temperaments and often did not get along. Julia is a natural caregiver and realizes how much she needs to compensate for her mom’s lapses in memory and ability to complete complex tasks. This has been taking its toll on her energy and is affecting her relationship with her own husband and kids. When Joe comes to visit, Mom is on her best behavior.  He doesn’t understand why Julia is so concerned about their mom’s decline. He resists any notion that mom has slipped.  Julia accuses him of being in denial. She becomes angry with Joe because he doesn’t see the sacrifices Julia is making for their mom.

Often times, those who are closest to the person experiencing memory loss are more likely to accurately assess the situation. Family members who are more remote, either physically and/or emotionally don’t seem to accept that there is a problem.

Those in the earlier stages of memory loss often practice a phenomenon I like to call “performing.” They realize they are expected to respond in a certain way while in a familiar situation. In the example above, Mom seems perfectly fine because she is performing. Conversations seem to flow easily because she is in complete agreement with Joe’s comments. She may not be able to articulate that it is hot outside, so she replies “Isn’t that the case.” when Joe remarks on the summertime. She will cover up the fact that she shoes are on the wrong feet because they are so comfortable that she didn’t even notice. She will ask Joe to set the table because he is so good at it, rather than reveal she can’t remember which side to place the fork.

The best way to get a remote sibling to see the real behavior of their parent is to identify the times when, in Joe’s case, mom is performing. He could make a statement that is clearly nonsensical and listen to mom agree. By gently challenging mom to do something spontaneously,  Joe could observe that lost look in her eyes, and perhaps frozen body language. When mom doesn’t know that he is watching, she is likely to reveal herself the way Julia sees her.

When family members can work together to accurately assess memory loss in a parent, they are in the best position to seek the appropriate level of care. Denying or delaying medical treatment for the parent and support for the caregiver is an injustice to the entire family.

 

 

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Reversing Roles between Parent and Child

Age related illnesses often cause parents to depend on their children for care. Roles become reversed. This is a confusing time to shift orientation from the self sufficient parent who guided and supported their children, to a parent who is dependent and needy.

Adults are faced with uncertainty on how to relate to their aging parents. Feelings of guilt, regret, and incompetence accompany the role reversal. No matter how much the adult is compelled by love, decency and gratitude for their parents, it feels strange to  become the caregiver.

Adults of aging parents are often in the stage of their life that is incredibly demanding. They are working long hours and caring for their own offspring. How do they add another time consuming role of caregiving for their own parents? The response we frequently hear is “You do what you have to do.” They squeeze in the time to try to do it all.

There are only 24 hours in a day, so something has to give when dividing time between work, spouse, parents and children. Activities which support well being such as hobbies, fitness activities and socializing are let go. Despite cutting back on time for themselves, there is still not enough time in the day. Adults doubt their effectiveness on the job, in their marriage, at caregiving and parenting.

We offer these tips to those who feel overwhelmed when caring for their parents while managing all of the other responsibilities of their current roles:

  • Acknowledge your feelings, then move on. You may have regrets that you didn’t do enough for your parents, spouse and children. If you realize that no one can please everybody all the time, you might just give yourself a well-deserved break.
  •  Slow down and take a breath. Breathing will calm you down and improve your ability to think with a clear head.
  •  Let go of the notion that no one can do it as well as you. Let others help when offered. Ask for help when needed. Allow your children to help their grandparents within their abilities.
  •  Explore opportunities for respite. There are home health agencies which offer respite services on an hourly basis, and many assisted living communities will provide care for several days/weeks. If there is no money to pay for respite, ask another family member or trusted friend to give you a break.
  •  Realize that you are not alone. Confide in your friends and clergy about your doubts and fears.

Caring for others without short-changing yourself can be tremendously rewarding. It is the greatest honor to help those whom you love.

 
 

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Helpful Information for Seniors

A Brand New Day – Redding writes a Senior Living column for the Record Searchlight which can also be seen online at Redding.com. We talk about a wide variety of subjects with common thread about topics relevant to Seniors and their families. To follow is a compilation of last month’s posts. We hope you enjoy them.

Senior Living: How to Determine if Someone is having a Stroke and Manage Risk Factors

25 Oct 2012

According to the National Stroke Association, stroke is the fourth leading cause of death in the United States. Stroke kills 133,000 people per year and is the leading cause of long-term disability in seniors. Close to 800,000 strokes will happen this year at a rate of one every 40 seconds. Someone will lose their life to a stroke about every four minutes. (click for the entire story)

Senior Living: A Primer on Patient’s Rights in a Skilled Nursing Facility

10 Oct 2012

Don’t believe you are at the mercy of the nurses and administration when you have to spend time recovering at a skilled nursing facility. Read more for a frank Q & A about your rights.  (click for the entire story)

Senior Living: Easy Ways to Prevent Falls while Bathing

5 Sept 2012

Falls are one of the leading reasons for hospitalization among seniors in the United States. Falls result in fractured hips, ribs and bruising, all of which are painful and some require surgery, physical and-or occupational therapy. Falls can happen to the elderly quite easily and can quickly turn into a devastating event. Read more for a way to learn how to make your bathroom safer and reduce your fall risk while bathing. (click for the entire story)

We are on Facebook

If you would like to become a Facebook fan and connect to others who share your interests, please check us out on our Facebook page at ABrandNewDayRedding. Every Friday we have a PhotoTeaser, (click for the entire story)

A Brand New Day is a 26 bed Memory Care assisted living facility in Redding, CA focusing on Alzheimer’s and dementia, respite and hospice care. Our license number is 455001567. We invite you to contact us with any questions when you are concerned about the safety of a loved one at 530.223.1538. We are happy to be your Senior Care resource.

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A Day in the Life at A Brand New Day

I wake up to a sunshine filled room and there is a huge young man greeting me with a friendly “Good Morning Wilbur!” I have no idea where I am, or who he is, but figure that it can’t be that bad because he knows my name and he seems nice.  I fake it and reply “Good Morning to you.” As usual, my bones ache and my feet feel numb, so it is nice that the big guy is strong enough to help me out of bed.

I just wish I could figure out where I am. Oh, wait a minute… aren’t I needed in the barn to collect eggs? My dad and uncle will be so mad at me if they find out that I slept in. I’m going to be in such trouble! I can see that the big guy has a name tag on. It says Adam. I ask Adam for help to get to the barn, but he says we don’t have a barn. Oh my, what is going on?

Adam can see that I am upset so he attempts to comfort me. I don’t know what he is talking about but follow his lead to the bathroom to wash up for breakfast. What a relief, all of my stuff is laid out next to the sink so I know what to do next.

As I walk down the hall, I smell coffee brewing, and bacon and eggs on the stove.  I’ve always loved fresh eggs, but I have this vague feeling that eggs are a problem. I sit down at my spot, surrounded by people,  yet none of the faces are familiar. I am served my favorite breakfast, eat my fill and the plate is removed for me. Mom is such a good cook. Where is she? Where am I?

Adam is back and he is handing me a little paper cup of pills with a glass of water. “Here Wilbur, take your medicine. It will make you feel better.” I trust him and swallow the pills. Now I am following Adam to the living room to watch the morning news. How does he know that I want to look at the news each morning? I literally don’t know him from Adam.

Just as the news is ending, a lady greets me and asks me if I want to go to the Sun Room for Bible Study. I can’t remember when the last time I went to church, so I figured I should go. She walks me to the Sun Room where there are a group of old people sitting around listening to this old guy read from the Bible. How come there are so many old folks around? I sit down on a warm and cushy chair listening to a story about David and Goliath when I wake up with a start. No one is reading from the Bible any more. How long have I been asleep?

I notice a group of people playing a game outside in the courtyard. The lady catches my eye and encourages me to join them. What the heck, I’m good at games. You’d think I won the World Series the way the group cheered when I tossed the ring into the center hole. This feels good!

My stomach is grumbling just when the big guy comes around to help me wash up for supper. What is his name again? We’re having beef stroganoff over egg noodles, broccoli and mixed fruit. I hate broccoli and am relieved that I am not being treated  like a child when I don’t clean my plate. No one says a word when I start in on the cherry pie. We always had a big meal in the middle of the day on the farm, so I know everything is all right. I’m given more pills to swallow.

After the tables are cleared, the big guy and the lady start setting up for bingo. This is popular with the old folks, but I like it too. It seems like everyone else is winning prizes but me, so I get a little grumpy and announce that I’ve had enough. The lady persuades me to stay for one more game. Lo and behold, I win!

I wake up from my recliner and the light is dim outside. Oh, this is so confusing! Where the hell am I? Who are all these people around me? There’s another lady who wants me to swallow a pill but I swat it out of her hand. Where is that big guy? I see shadows through the windows and suspect they are coming right at me. “Get those bastards out of here!” I scream.

Everyone seems so concerned. I follow a younger lady into a brightly lit dining room. She hands me a cup of tea and asks me to tell her about my farm. We talk and fold napkins together. This ain’t so bad.

Now it’s time for dinner. Chicken noodle soup, warm yeast rolls, green salad and chocolate pudding. Mom is such a good cook. Where is she? I haven’t seen her all day.

I settle into my favorite recliner and watch Bonanza.  Another lady, the pretty one, offers me a glass of milk to wash down my night time pills. I’m glad they help me remember because that doctor has put me on so many pills that I couldn’t keep them straight on my own.

All in all, it’s been a good day. I’m tired and ready for bed. The pretty lady tucks me in. I feel safe and warm.

This is a story of an 87 year old man with Alzheimer’s Disease. His short term memory is gone, but his childhood days come back to him vividly. It is not uncommon for those who have Alzheimer’s Disease to experience “Sundowner’s Syndrome” in the late afternoon. While this is a fictional account of a day in his life, it is an accurate reputation of the rhythm of life at A Brand New Day.  

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The Health Benefits of Exercise for Seniors

A Brand New Day – Redding writes a Senior Living column for the Record Searchlight which can also be seen online at Redding.com. We talk about a wide variety of subjects with common thread about topics relevant to Seniors and their families. To follow is a compilation of posts about the benefits of exercise. We hope you will be inspired to get moving

It’s never too late to start an exercise program

Do you need another reason to start to exercise? Perhaps the latest findings will be just the incentive you need to get off the couch.

The American College of Cardiology held its annual scientific meeting in New Orleans, of all places. After all, New Orleans cuisine is not especially known to be heart healthy. Findings from the Aerobics Center Longitudinal Study in Dallas were presented at the scientific meeting last week. The study showed that “consistent lifelong exercise preserves heart muscle in the elderly to levels that match or even exceed that of healthy young sedentary people.” (click here for the entire story)

Seniors are living longer and healthier lives

Today’s seniors are living longer than ever. Decades ago, many seniors lived into their 60s or 70s. Today they are entering their 80s, 90s and beyond. This is largely due to advances in medical care, however, practicing healthy lifestyle choices also contributes to greater longevity. (click here for the entire story)

Seniors find health and friendship at the gym

Everybody knows that exercise is good for the body. It lowers your risk for disease, helps you look and feel better and stay active longer.

Exercise isn’t easy, and seniors may have more reservations about the benefits of exercise than other age groups. How do seniors find a way to stay fit and stay motivated? (click here for entire story)

We are on Facebook

If you would like to become a Facebook fan and connect to others who share your interests, please check us out on our Facebook page at ABrandNewDayRedding. Every Friday we have a PhotoTeaser, (click for the entire story)

A Brand New Day is a 26 bed Memory Care assisted living facility in Redding, CA focusing on Alzheimer’s and dementia, respite and hospice care. Our license number is 455001567. We invite you to contact us with any questions when you are concerned about the safety and care of a loved one at 530.223.1538. We are happy to be your Senior Care resource.

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All About Seniors

 

A Brand New Day – Redding writes a Senior Living column for the Record Searchlight which can also be seen online at Redding.com. We talk about a wide variety of subjects with common thread about topics relevant to Seniors and their families. To follow is a compilation of last month’s posts. We hope you enjoy them.

 Senior Living: Fathers’ stories reflect hardiness of Greatest Generation

27 Sept 2012

 “Our first thought was that our dads had it easier than we do. They never went through “transition.” They worked for the same employer, had pensions and for the most part, financial stability because of positive economic times. Visions of “Mad Men” came to mind with the martini lunches and ubiquitous tobacco smoke hanging in the air.

I was talking to a childhood buddy, reunited by recent “in transition” network efforts. As we reminisced about old times, we started talking about…” (click for the entire story)

Senior Living: Prostate health important to senior men

19 Sept 2012

Prostate health is a man’s issue. We usually do not focus on a specific gender in these columns, but this is an important issue for men that should not be ignored.

Most men over 50 should have had their prostate checked physically and through blood tests. Early screening is crucial, because like most cancers, treatments are often most effective when cancer is… (click for the entire story)

Senior Living: Fans and friends share more words to live by

5 Sept 2012

Several weeks ago, we shared quotes that we felt were meaningful to our senior community, or just some nuggets of truth that struck our funny bone.

We asked our readers to share quotes that are meaningful. Both our readers from this column and our Facebook fans were eager to contribute quotes.

We are on Facebook

If you would like to become a Facebook fan and connect to others who share your interests, please check us out on our Facebook page at ABrandNewDayRedding. Every Friday we have a PhotoTeaser, (click for the entire story)

A Brand New Day is a 26 bed Memory Care assisted living facility in Redding, CA focusing on Alzheimer’s and dementia, respite and hospice care. Our license number is 455001567. We invite you to contact us with any questions when you are concerned about the safety of a loved one at 530.223.1538. We are happy to be your Senior Care resource.

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Making the Best Choice in Assisted Living

A report from the consumer Federation of America showed that complaints about assisted living facilities landed in the ranking of 9 of the top 10 consumer complaints in 2011. As operators of an assisted living facility in Redding for the past 7 years, we’d like to offer some tips to manage complaints, as well as to avoid unpleasant situations in the first place.

It is critical to assess the individual’s assisted living needs and their preferences prior to selecting a facility.  Some assisted living facilities give the individual a lot of freedom and choice. Others are more restricted. The amount and types of restrictions are usually based on the degree of care the individual requires. Someone who remains mentally alert and physically able to drive should be able to keep their vehicle and have the freedom to come and go according to their desires. On the other hand, someone suffering from dementia will be a danger to others (and themselves) if they are permitted to operate a vehicle or leave the premises unattended.

There are a wide variety of assisted living facilities in Shasta County, which puts the consumer in a good position to be choosy. An extroverted person is likely to prefer a large facility with a packed activity calendar full of options to socialize. There are small, quiet facilities which are better suited to those who like to keep a simple routine and may not enjoy being around lots of people. In most cases the “birds of a feather” adage applies. People generally like to be around those who share the same interests and abilities.

Once the personality of the facility is matched with the person, dig deeper to verify what you see on your visit is what can be expected every day. Then check their  records. All assisted living facilities are licensed by the State of California. The closest office is in Chico. You can call Community Care Licensing at 530.895.5033 to see if there are any complaints and to see reports of audits. Ask current residents how they feel about living there. Seek feedback from their family members, friends and others on site. Pop in unannounced at  different times of the day to make sure the facility is as good as when you were given a tour when everything was planned to be perfect.

Check out the food and the menu. Complaints about food seem to be the most common. While it’s true that you can’t please everybody all the time, good facilities spend a lot of energy and resources on the food to try to appeal to the most people.

Ask to see all of the paperwork and obtain a full disclosure on the pricing policy. If you thought the paperwork involved in buying a house is complicated, just try to move into an assisted living facility! California state licensing requires an incredible amount of documents to be signed. This may be a hassle, but it actually protects you from misunderstandings and problems down the line. If you don’t get a chance to review the paperwork in advance, it’s easy to overlook the fine print.

The price quoted on your first inquiry may not be the same price upon move in. That is because many facilities charge a “level of care” fee. They will quote the basic rate at first, then determine the cost of additional services required by the individual. In most circumstances, this is a good thing because you are paying only for the services delivered.  A flat rate means you may be overpaying if only minor additional care is needed. In other cases, assessment of the level of care may be arbitrary. Find out if a point system is used and examine the assessment for accuracy. Avoid disclosing how much you can afford. Unscrupulous places will find a way to charge up to your maximum budget. Investigate how often the price may be increased over a given amount of time.

Ask about additional charges. Will you get an itemized bill showing charges for toothpaste and body wash?

You may find the need to make a complaint even after you have done your due diligence. Complain to facility management first. If the issue is not resolved, call Community Care Licensing and the Ombudsman’s Office 530.223.6191. You can be sure both agencies will promptly investigate your complaint and follow up with you.

There are many factors in determining which assisted living facility is a fit. We welcome your questions and are available for free consultations. Please contact us at A Brand New Day  530.223.1538 or info@abrandnewday-redding.com

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Help Yourself and Those Whom You Love by Creating a Paper Trail

This appeared over a year ago in our Senior Living Column in the Redding California Record Searchlight, yet we continue to receive requests for copies. It is a helpful reminder that we should take some time to prepare in case of an accident, emergency or illness.

If something should happen to you, would your loved ones know what to do? We are writing about this topic from the standpoint of handling your personal affairs, rather than the complexities of emotions and grieving. We also assume that you have an estate plan or will and have authorized a health care and financial power of attorney.

We often tell ourselves that someday we will get our affairs in order. But we procrastinate. When is someday? It needs to be yesterday in order for you to be prepared. Life’s emergencies just happen, and require planning to manage them. Planning requires organization, and for most of us, this is difficult to do. Don’t let this daunting task overwhelm you or put your loved ones in the difficult position of having to sort through a confusing maze. There are plenty of rainy days in a year as well as days that are too hot to spend much time outside. Use one of these days to get organized. If you spend some time organizing your important papers, you will save yourself and your loved ones a lot of trouble.

It is best to store your important papers in a safety deposit box at your bank. Then, purchase a fireproof, locked portable storage box. Make a copy of each document and store the copies, along with an extra safety deposit box key in your portable storage box. The box should be just large enough to hold your documents so that you won’t have trouble dashing out of the house with it in case of a fire, flood, earthquake or other catastrophe.

Here is a basic list of copied documents you should keep in the storage box:

  • Passport
  • Social Security card
  • Driver’s License
  • Health insurance card
  • Insurance policies
  • Your will or estate plan
  • All powers of attorney and health care proxies
  • Any certificates of investments (stock, precious metals, etc.)
  • Car titles
  • Certificates of birth, death, marriage, divorce
  • Custody documents
  • Military service documents

That doesn’t seem too difficult, does it? Now here comes the hard part — you should make a list of your assets and debts, as well as contact information of your health care providers, banker, accountant, lawyer, financial adviser, insurance agent and any professional whom you rely for care of yourself and your assets. Listing assets may be as simple as a copy of your bank, investment and retirement account statements. Note the contact person’s name and phone number if not already printed on the statement. Make a list of your credit card accounts, auto and mortgage loans. Include account numbers, due dates and lenders’ names and contact information. Write down the location of your original documents.

Next, grab your camera and take a picture (or video) of the contents of your house and garage. Video recording is preferable because you can narrate details such as when the items were purchased and the cost, details of family heirlooms and any special meaning, etc. Make two copies of the pictures and/or digital files and place a copy in your safety deposit box and the other in your locked storage box.

Include receipts for major purchases, such as a car, boat, guns, jewelry, furniture, electronics, etc.

Finally, make a list of your username and passwords to keep in the box. Store it in a very safe place and tell its location to only those who you trust to handle your affairs. Put the key in a secure place and keep a copy of the key in your safety deposit box.

Those whom you have designated to handle your financial affairs in the event of a sudden illness or death will be able to do so effectively because they will have all the information they need. You will have the ability to deal with a lost or stolen purse/wallet since you will have a copy of your driver’s license and a list of all your credit cards with the contact information to quickly notify the issuers. Your record (photographs, video files, receipts) of assets will be essential in expediting an insurance claim in the event of damage or theft.

Do yourself a favor, and follow these simple steps. You will help yourself and those who you love weather a crisis.

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