Happy Mother’s Day Reflections

Happy Mother’s Day!

Being a Mother is the greatest gift I have ever received.  The gift of life, a child (actually, two in my case – twins), is a miracle. Even more so when another human being, a mother herself, is willing to be a surrogate to give that gift. I became a mother three years ago through surrogacy. My life will never be the same, and I am thankful.

Becoming a mother has helped me understand and appreciate my own mother more. She entered my life when I was five and accepted me and my brother as her own.  We presented her with challenges.  Overall I was a fairly easy child to raise, but that all changed once I turned 16. I even moved out of my parents’ house when I was 17, which could not have been easy on them. Not knowing where I was or whether I was safe. Wondering if I was going to graduate or drop out of school. Become a statistic.  Watching, with love, as I made my own choices, mistakes, and achievements.

My mother wasn’t perfect, and still isn’t. But she gave it her all and did her very best to provide a stable, loving house of protection.  She was firm and consistent, teaching the necessary skills to survive and thrive in the real world.

Mothers spend years taking care of others before themselves, tending to all of their needs.  They take care of their children, oftentimes their spouses, and then their own parents.  When my mother ages and needs more of my time and attention, I only hope that I then take the time to tend to her needs and do so with the same smile she always gave to me from the sidelines of yet, another basketball game.

This is the gift, as a mother, that I hope to give back to mine.  Thank you, Mom!

Timely Tips: Using Public Transportation Safely – Tips for Seniors

Safety Tips for Seniors when traveling on public transit1.    Stay alert!  Be aware of the people around you and watch for people acting suspiciously.
2.    Consider postponing that nap or novel while riding public transportation.  These activities make you less alert and more susceptible to potential predators.
3.    Plan your trip ahead.  Try to avoid bus stops located in unsafe or isolated areas.
4.    If possible, travel with another person, especially at night.
5.    Consider carrying a personal alarm – A loud device that may help to scare off a potential assailant, when activated.
6.    Always alert the driver or security personnel if someone is acting suspiciously or making you feel uncomfortable.
7.    For sources and further information:  http://www.crimepreventiontips.org/self-defense-methods/safety-tips-for-seniors-using-public-transportation.html

In Celebration of Teacher Appreciation Week: A Special Thank You from Victoria Collier

Celebrating Teachers Appreciation Week 2013

Thank You Teachers!

If it were not for the teachers in my life, I would not be who I am today.  I do not say that lightly. My mother and father divorced when I was only two and my father became a single dad.  All of my teachers were women and I gravitated to them like steel to a magnet. My first, Ms. West, in first grade would walk by each morning and give me my morning wink. It made each day start out right. In third grade, my speech therapist, Ms. Mackey, challenged me to say my “r”s in a fun way, without judgment. In sixth grade, Ms. Starkey, allowed me privileges to go to her “sports” car and get her gym clothes.  You know I spent extra time pretending to drive!

I could easily share a story about every one of my elementary school teachers and how they impacted my life. But junior high and high school was where I really blossomed as a person, thanks to the positive influence of my teachers. My math teacher, Ms. Crowel, taught me in 7th, 8th, and 10th grades, even tutoring me in the stands as we watched basketball, making math my favorite subject.  My junior high basketball coach, Coach Bogott, was the first person who really inspired me to go the extra mile. I was only 4 foot 7 inches (not exactly what you would want in a basketball player). Yet, I learned to hustle and beat everyone up and down the court. During the summer, Coach Bogott even opened the gym to give us extra practice time.  Even when I progressed up to high school, she attended some of my high school games and extracurricular off-season games. When I stopped playing basketball and began running track, Coach Bogott made it a point to attend some of my events. At that age, with so many changes, it meant everything to me that she remained the same and continued to support my efforts.

In high school, my Latin teacher, Ms. Lacey, was instrumental in helping me learn not to pigeonhole myself.  This lesson has served me very well in business as well.

Me with my freshman English teacher and sports trainer, Ms. Jackson

Lastly, but most importantly, my Freshman English teacher, and sports trainer, Ms. Jackson, encouraged me to have the strength to be me without apologies. She showed me that through my writing (poetry), I could express the world around me, as well as inside of me.  Over 25 years later, she continues to be one of my best friends, sitting on my board of advisors of life.

 

 

 

 

 

My law school Dean, Nancy Rapoport (UNL)

As an adult, I continue to seek out great teachers. Those who teach for the love of learning. My law school Dean, Nancy Rapoport (UNL), and Professor, Mary Radford (GSU), exemplify the teaching profession.

 

 

 

 

 

 

Me with my Professor, Mary Radford (GSU)

 

 

 

 

 

 

 

 

 

Me with my current mentor and teacher and lawyer, William Hammond

My current mentor and teacher, William Hammond, is also a lawyer with whom I hold a great deal of respect.

Without teachers in my life, I would not have lived a life full of joy and encouragement. I send a heartfelt Thank You to all teachers.

Does Estate Planning Include Life Insurance?

Does Estate Planning Include Life Insurance?When I ask prospective clients how they define estate planning, I get a myriad of answers from “saving your assets from the government,” “planning to avoid taxes,” “giving my stuff to my children,” etc.  When I ask them what are common assets that people have, most will answer listing bank accounts, real estate, and personal property.  However, almost no one mentions life insurance as an estate asset or an estate planning tool.

As an estate and elder care planning attorney, I try to lead by example. I have life insurance.  However, in the last three months I have had two significant life changing events that made me question whether I had enough insurance.  

First, my father died in January.  He was 68 years of age, which is quite young.  When someone close to you dies, it makes you question your own mortality and whether you have done all that is necessary for the ones you love who will survive you.

Second, two weeks after my father passed, I acquired a full body rash.  I didn’t think anything of it until three weeks later my mouth broke out with five canker sores. My body was telling me I was stressed.  No big deal. I am used to being stressed. I am a mother of three year old twins and a successful business owner / lawyer. But, three weeks after that when I got a really painful rash on my head, neck, and shoulders (erroneously thought to be shingles), I really began to get worried.  When you worry, the mind can be very creative. I had talked myself into having a rare blood disease that causes rashes, or an immune deficiency of some sort. 

Although I had already considered increasing my life insurance, I had not yet done so.  Now what? If I died with the amount of life insurance I currently have, would my children be able to maintain the standard of living I have been providing?  No. 

Increasing my life insurance is the best part of my estate plan.  The goal of an estate plan is to leave my property to the people I love in the way that I want to.  I have a house with a heavy mortgage, a business with clients who depend on me, and children who rely on my financial support.  Life insurance is what will pay off my mortgage (and other debts) so my children can live debt free and focus on music lessons, sports, and school instead of survival. My clients can feel safe that my estate will take care of their pending matters by employing another attorney on their behalf to finish their case.  (The good news: I only had a hyperactive allergic reaction to something and I don’t have any health concerns!)

Trusts and a last will and testament are necessary estate planning tools, but don’t overlook the benefits of life insurance if you have others who depend on your income or assets for support. This one tool can preserve all other assets that are important to you and your loved ones to secure their future when you are no longer here to do so.

I believe that every person is an individual who deserves respect and the highest quality of life possible, regardless of age or ability.  I also believe that you should not have to lose everything you’ve worked a lifetime to earn.
Victoria L. Collier, CELA, Founder and CEO of The Elder & Disability Law Firm of Victoria L. Collier, PC     

Timely Tips: April 11th is World Parkinson’s Disease Day

World Parkinson’s Disease Day

April 11th is World Parkinson’s Disease Day. The following are tips for living well with the illness.

1. To address cognitive changes that occur with PD (Parkinson’s disease), investigate treatments other than medications like psychotherapy and behavior management.

2. For help in getting a good night’s rest, maintain a regular sleep schedule. Go to bed and get up around the same time each day.

3. Many PD medications can raise the risk of dehydration. Drink plenty of fluids throughout the day to avoid dehydration.

4. It is estimated that up to 50 percent of people diagnosed with PD will experience depression. It is recommended that those with PD be screened for depression on a yearly basis.

5. To increase confidence related to mobility, move around as often as possible. If you enjoy watching television, get up and walk during commercials.

6. Utilize devices such as grab bars in the bathroom or a long handled reacher to increase safety and convenience in the home.

7. For sources and further information: http://parkinson.org.

 

Timely Tips: Avoiding Medication Errors

Timely Tips: Avoiding Medication Errors

Avoiding Medication Errors

Seniors tend to take multiple medications, which can increase the risk of not taking medication correctly. The following helpful hints can be used to reduce the risk of harmful effects from taking medications incorrectly:

1. Know your medications and only take them as directed. Talk to your doctor if you feel you need a medication change

2. Use only one pharmacy to fill prescriptions

3. Always keep an up to date list of all medications (prescription, non-prescription, and nutritional supplements). The list should include brand and generic names for all medicines, prescribed dosages, instructions for taking the medication, drug allergies, names of pharmacy and healthcare providers, and emergency contact information.

4. Share your list of medications with family members, friends, and any health care providers who may need the information. Display the list in a prominent place in your home such as the refrigerator

5. Store medications according to instructions and discard expired medications

6. Never share or take another person’s medications

7. For more information National Council on Patient Information and Education (www.talkaboutrx.org) or Medication Use Safety Training for Seniors (www.mustforseniors.org)

Timely Tips: Save Your Vision

It is our pleasure to send you seven daily tips, a week at a time. If you find them helpful, please pass them on to others who could benefit.

Save Your Vision

Timely Tips: Save Your Vision

 

 

 

 

 

 

 

In honor of Save Your Vision month, find the following tips for healthier eyes:

1. Eat an eye healthy diet – increase the amount of fruits and vegetables, including dark leafy greens, and fish rich in omega 3 fatty acids like salmon, tuna, and halibut.

2. Control of other health problems like high blood pressure and diabetes will lower the possibility of associated eye problems.

3. Protect your eyes from possible injury by using protective equipment (like glasses or goggles) when working around the house and by reducing risk of falls which may lead to eye injury.

4. Know your family’s history of eye health – many eye conditions are hereditary. Communicate family history to your ophthalmologist during regular eye exams.

5. Wear sunglasses to protect your eyes from overexposure to UV light.

6. Sleep! Just as all parts of your body do, your eyes are able to rest and replenish during sleep.

7. Source and further information: National Eye Institute, National Institutes of Health (www.nei.nih.gov), American Academy of Ophthalmology (www.geteyesmart.org)

It is the mission of Collier & St. Clair, LLP to support our clients in the creation of a long-term plan for preserving assets, maximizing independence, and enhancing quality of life.

Timely Tips: Volunteering As An Older Adult

Volunteering As An Older Adult

At the year’s end, we often take stock of all that we are grateful for, gifts we have been given, experience we have gained, and lessons we have learned. This may lead to exploring ways to “give back” in the New Year.

1. Older adults are in demand as volunteers because they bring with them a lifetime of skills and experience.

2. Becoming a volunteer also presents the opportunity to learn and develop new skills or talents.

3. Volunteering allows older adults to create new social networks and meaningful relationships.

4. Participating in volunteer activities has been shown to decrease chronic pain, ease symptoms of depression, and increase lifespan.

5. If mobility or transportation issues present challenges, consider volunteering from home – home computers and telephones can be great tools for contributing time.

6. Helping others through volunteering is a way to have a lasting and significant impact on your community: “Here’s the big idea: Society meets its greatest challenges by making full use of experience” (from Experience Corps, www.experiencecorps.org)

7. If you need a place to get started, find out more information, or connect with an organization in need of volunteers, visit: www.seniorcorps.org or www.serviceleader.org

Timely Tips: Cold Weather and Pets – Keeping Our Furry Companions Safe this Winter

Cold Weather and Pets – Keeping Our Furry Companions Safe

While winter may be mild in some areas of the United States, in other areas, it’s virtually a wet and windy freezer. We humans have heaters, and special hats and winter clothes but what about our pets? What winter dangers do they face and how can we keep them safe? Here are some helpful things to keep in mind to make sure our furry companions stay safe and healthy during the cold weather season:



1. Animals have their own cold weather protection: fur. Allow fur to remain longer during colder times of the year. For short hair pets, consider using a sweater or coat when they are outside.

2. If your pet gets wet or is bathed, make sure fur is thoroughly dry before going outdoors. Wet fur can lead to frostbite. Pets’ nose, ears, paws, and tails are especially susceptible to frostbite.

3. Keep an eye on outside water bowls – make sure water doesn’t freeze and that there is always a supply of fresh water available.

4. Take an extra moment to look under cars and bang on the hood before cranking your car. Some pets, especially cats, love to seek out a warm place (like a recently running car engine) for sleeping.

5. Beware of chemicals often used during winter months: anti-freeze, coolant, road salt, de-icer. These can be very harmful, even life threatening, if pets come in contact or ingest such chemicals.

6. Getting or giving a new kitten or puppy for the holidays? Remember to be extra observant about exposure to cold. Like humans, animals who are very young or very old, do not tolerate cold weather as well as younger adult animals.

7. For more tips and further information, please visit www.aspca.org

Timely Tips: Seniors and Depression

Seniors and Depression

October is National Depression Education and Awareness month and October 8th is National Depression Screening Day. The following tips will help older adults to move toward resolution of Depression.

1. If you feel that you may be depressed, see your doctor or set an appointment with a geriatric psychiatrist, a specialist who deals with mental illness in older adults.


2. Don’t give up on a prescribed treatment too soon. Depression may reoccur if treatment is stopped early.

3. Even if you don’t feel like it, participate in social gatherings with family members, friend, or neighbors. Regularly scheduled social contact may help to ease symptoms of Depression.

4. Depression can often co-occur with illnesses that older adults deal with including heart disease, stroke, diabetes, cancer, and Parkinson’s disease. Depression can often worsen the symptoms of these illnesses. Be sure to seek treatment for Depression, in conjunction with the treatment you receive for any co-occurring illness.

5. Combat depression with physical activity. Exercises, even those done in a wheelchair or seated position, can help to elevate mood.

6. Older adults often suffer many losses and experience grieving as a result. Grief is a normal and healthy emotional response. However, make sure to distinguish normal grief from depression.

7. For more information about the illness and treatment: www.nihseniorhealth.gov/depression and www.nami.org, and http://www.helpguide.org/mental/depression_elderly.htm