Mountain View News Saturday, November 19, 2022 14 Mountain View News Saturday, November 19, 2022 14
ASSISTED LIVING OR NURSING
HOME?
There are many myths about Assisted
Living being like Nursing Homes. This
is not true at all. Nursing facilities are for
those with chronic health issues who require
care around the clock from medical
professionals.
In Assisted Living, one will get the support
as needed, such as getting help with
showering, grooming, and dressing.
Again, these services are based on the
seniors needs.
There are many reasons in working with
us. At Safe Path for Seniors, we will assess the senior and depending on their care needs and budget, make
recommendations. For example, we may suggest that the right fit is a Board and Care Home (normally a
6-bedroom house) as opposed to an Assisted Living Community or a Memory Support Facility. You will
work with an experienced agent who
knows the industry well and will give you recommendations. The good news is that there is no cost for this
service.
If you have any questions about placing a loved one, visit www.safepathforseniors.com or call Steve at
626-999-6913
HOW TO CAPTURE YOUR LOVED ONE'S STORY
Dear Savvy Senior:
I am interested in making a video of my 82-year-old parents’
life story/legacy and how they want to be remembered.
With the holidays approaching, I thought this could be a
neat gift to my older siblings, but I could use some help.
What can you tell me? Youngest of Five
Dear Youngest:
A personal recording of your parents’ life story could be a
wonderful holiday gift and something you and your family
could cherish the rest of your lives. Here are a few tips
to help you get started.
What You’ll Need
Your first step is to find out if your parents are willing to
make a legacy video, which would entail you asking them
a number of thoughtful questions about their life in an
interview format in front of a video recording device. If
they are, all you’ll need is a smartphone or camcorder and
a list of questions or prompts to get them talking.
Recording EquipmentIf you have a smartphone, making a video of your parents’
story is simple and free. However, you may want to
invest a “smartphone tripod” to hold the phone while you
conduct the interview, and a “smartphone external microphone,”
which would improve the audio quality. You
can find these types of products at Amazon.com for under
$20.
Most smartphones today have good quality cameras and
have the ability to edit/trim out the parts you don’t want.
Or you can download a free video-editing app like Magisto
or Adobe Premiere Clip that can help you customize
your video.
If you want a higher quality video, consider purchasing a
HD camcorder. Sony, Panasonic and Canon are the top-
rated brands, according to Consumer Reports. These can
run anywhere from a few hundred dollars, up to $1,000
or more.
Questions and PromptsTo help you prepare your list of questions for your parents’
video interview, go to “Have the Talk of a Lifetime”
website at TalkofaLifetime.org. This resource, created by
the Funeral and Memorial Information Council, offers
a free workbook that lists dozens of questions in different
categories. Some of these include: earliest memories
and childhood; significant people; proudest accomplishments;
and most cherished objects. This will help you
put together a wide variety of meaningful, open-ended
questions.
Old photos of your parents, their family members and
friends are also great to have on hand to jog your parents’
memory and stimulate conversations.
After you select your questions and photos, be sure to
share them with your parents ahead of time so they can
have some time to think about their answers. This will
make the interview go much smoother.
Interview TipsArrange an interview time when your parents are rested
and relaxed, and choose a quiet, comfortable place where
you won’t be interrupted. You may need several sessions
to cover everything you want.
When you get started, ask your parents to introduce themselves
and ask a warm-up question like “When and where
were you born?” Then ease into your selected questions,
but use them as a guide, not a script. If your parents go off
topic, go with it. You can redirect them to your original
question later. Think of it as a conversation; there’s no
right or wrong thing to talk about, as long as it’s meaningful
to you and your parents.
Also, be prepared to ask follow-up questions or diverge
from your question list if you’re curious about something.
If you’d like to hear more, try “And then what happened?”
or “How did that make you feel?” or “What were you
thinking in that moment?”
And end your interview with some reflective questions,
such as “What legacy would you like to leave?” or “How do
you want to be remembered?”
FAMILY MATTERS
By Marc Garlett
7 THINGS TO KNOW ABOUT DISABILITY INSURANCE
If you earn a good liv
ing now, but you worry
about not having enough
money for a future time
when you cannot work
due to illness or injury,
disability insurance may be the answer. However,
you need to make sure you are getting an insurance
policy that will meet your needs and not waste
your money. This article covers 7 things everyone
should know when considering purchasing disability
insurance.
Disability Insurance: Things to know
Knowing the answers to these 7 questions can give
you the best chance of finding a policy well-suited
for your particular situation.
01 - What is disability insurance?
Disability insurance pays benefits when you are unable
to work because you are sick or injured. Most
policies pay a benefit that replaces a percentage of
your income. But disability insurance is not the
same as health insurance—it will not cover your
medical bills.
Instead, disability benefits replace a percentage of
the income you lose due to your inability to work,
so you can cover your basic financial needs, such
as paying bills, covering daily living expenses, and
providing for your family, until you can return to
work. To begin your search for disability insurance,
first you need to get clear about your minimum financial
needs, or what we call your “minimum to
thrive” number, should you become unable to work.
Your “minimum to thrive” number includes your
basic living expenses and should be the minimum
amount of money you need to cover all the basics
so you can focus on building the thriving life you
were born to live.
02 - Should I get disability coverage?
If you are the breadwinner in your family and your
income would stop if you became ill or injured and
could not work, you should look into disability insurance.
According to U.S. government’s statistics,
one in four 20-year-olds become disabled before
reaching retirement age. Statistics like this make
it important that you consider protecting yourself
and your family with disability coverage.
03 - What’s the difference between short and longterm
disability insurance?
There are two primary types of disability insurance:
short-term and long-term. Short-term disability
insurance typically lasts between 3 to 6 months,
and sometimes up to a year or more. These policies
generally cover about 60% to 80% of your monthly
gross income, and the premiums you pay generally
range from 1% to 3% of your annual income. One
major upside to short-term policies is that payouts
usually happen within two weeks, which can be a
lifesaver in an emergency.
Long-term disability insurance can pay benefits
for a few years or until your disability ends, even
if that's when you retire. Most long-term policies
cover 40% to 60% of your monthly gross income,
but policies that pay up to 70% do exist. Long-term
disability policies also cost 1% to 3% of your yearly
income, but based on the benefits, they tend to be
more cost-effective in the long run.
That said, it can take up to 6 months to see a payout
from a long-term policy, which may not be a realistic
option if you need money immediately to cover
your living expenses. Therefore, you may want to
consider covering your short-term financial needs
with emergency savings of 6 months, and then getting
a long-term policy to cover your longer-term
needs.
04 - What does ‘portability’ mean?
If you purchase your disability insurance through
your workplace, ask if you can keep that insurance
if you leave the company. If your insurance is non-
portable, your coverage will end when you leave the
job. Having a portable policy means that you will
be covered no matter where you work.
Although many disability policies purchased
through an employer are not portable, it’s something
you should look into. If portability is important
to you, consider purchasing disability insurance
on your own, rather than through your
employer.
05 - What are the renewal options for disability
policies?
A “guaranteed renewal” policy allows you to renew,
without making any changes to your coverage, but
your premium can fluctuate. A “non-cancelable”
policy means your coverage and your premiums
cannot be changed, assuming you pay your premiums
on time. Also, be sure to find out if premiums
are waived during a qualified disability.
Given these considerations, the best policies will
be non-cancelable and guaranteed renewable. Obviously,
such policies will cost more, so consider
what’s best for you.
06 - How do cost of living benefits work?
Cost of living benefits are not included in most policies,
but adding this rider is something to consider
under the current economic environment. Cost of
living benefits are designed to provide financial
stability by offering an increasing benefit to keep
pace with an increased cost of living - which is especially
important right now, as we are experiencing
unprecedented levels of inflation.
When choosing cost of living benefits, consider
choosing policies which increase on a compounding
basis. Compound interest is earned on the
principal and the interest. This additional rider
can help your benefits keep pace through inflation,
even after your disability ends.
07 - Do I need a ‘future increase’ rider?
A future increase rider is another option to consider
adding to your disability coverage. It’s worth
looking into particularly if you think your income
may increase significantly over time. With this
rider, you can increase the monthly benefit of your
policy, regardless of your health status.
Without it, your policy will not change to protect
your future income, and your benefits will pay out
according to your income when you first obtained
coverage. That said, many insurance companies
will limit the total supplementary coverage that can
be implemented each year with a future increase
rider, so even if you have this option in place, the
benefits might not fully reflect your future salary.
Get help choosing your coverageWhen shopping for a policy, it’s often best to work
with an insurance agent who can survey many
different companies to help you choose the right
policy for your budget, age, health, and other factors.
And remember, you must have the policy in
place before something happens—if you’re already
sick or injured, you can’t buy disability insurance to
make up for lost income.
To your health, wealth, and family legacy,
Marc Garlett, Esq.
Cali Law Family Legacy
Matterswww.caliLaw.com
626.355.4000
SENIOR HAPPENINGS
HAPPY BIRTHDAY! …NOVEMBER BIRTHDAYS*
Flo Mankin, Alberta Curran, Carmela Frontino, Kathy Wood, Lena Zate,
Joe Pergola, Janice Kacer, Valerie Howard, Lois Stueck, Jean Wood, Shirley
Yergeau, Pat Krok, Irene Nakagawa, Anna Ross, Mary Steinberg, Mary
Bowser, Susan Clifton, Mary Higgins, Kim Buchanan, Leigh Thach and
Sue Quinn, Jill Girod, Pat Krok, Jeanne Martin* To add your name to this
distinguished list, please call the paper at 626.355.2737. YEAR of birth not required
SIERRA MADRE SENIOR CLUB Every Saturday from 11:30am-3:30 pm in the Hart
Park House Senior Center. Join us as we celebrate birthdays, holidays and play BINGO.
Must be 50+ to join. For more information call Mark at 626-355-3951.
DOMINOES TRAIN GAME 1st and 3rd Wednesdays, 11:00 am— 12:30 pm Hart Park
House The object of the game is for a player to play all the tiles from their hand onto one or
more trains, emanating from a central hub or “station”. Call Lawren with questions that you
may have.
PAINT PALS
Thursday, 10/13 10:30 am—Hart Park House If you enjoy painting, sketching, water color,
or making some other form of artistic creation please join our new program, PAINT PALS!!!
Bring a project that you are working on to the HPH and enjoy some quality art time with other
artists looking to paint with a new pal.
TEA AND TALK SENIOR BOOK CLUB Tuesday Oct. 12 and Oct. 26 — 9:00 am
Staff has launched a new book club series, Tea and Talk, which meets twice a month to discuss
the fun, suspense, intrigue, love and so much more that each selection will have in store!
FIBER FRIENDS Tuesday, 10/4 and 10/18 —10:00 am If you enjoy knitting, crocheting,
embroidery, needlepoint, bunka, huck, tatting or cross stitch then we have a group for you!
Bring your current project, a nonalcoholic beverage, then sit and chat with likeminded fiber
friends. We meet in the Hart Park House
CHAIR YOGA Every Monday and Wednesday, 10-10:45 am Please join us for some gentle
stretching, yoga, balance exercise and overall relaxation with Paul. Classes are ongoing and
held in the Memorial Park Covered Pavilion or the Hart Park House..
HULA AND POLYNESIAN DANCE Every Friday, 10-10:45 am Bring a lei, your flower
skirt or just your desire to dance! Hula in the Park is back and waiting for you to join in on all
the fun! Memorial Park Pavilion.
BLOOD PRESSURE CLINIC - Tuesday, Oct. 11 11:00 am - 12:00 pm
Methodist Hospital will be holding a free to seniors clinic once a month in the Hart Park
House. Walk in are welcome - no pre-registration required.
LOTERIA: Oct. 20 1:00 pm - 2:00 pm
Come down to the HPH (Hart Park House) for a lively round of Loteria (Mexican Bingo)
Prizes await!
OCTOBER CRAFT Tuesday, October 25 10:30am Hart Park House
Have you ever had interest in balloon art? Well you are in luck! Join Recreation Coordinator
Pardo as she instructs us on how to create a cat, bat or pumpkin balloon column. Space is limited
so please call or email Lawren to reserve your spot.
SENIOR CINEMA Wednesday, 10/12— 1:00 pm HUBIE HALLOWEEN PG-13 1h 43m
Good-natured but eccentric community volunteer Hubie Dubois finds himself at the center of
a real murder case on Halloween night. Despite his devotion to his hometown of Salem, Massachusetts
(and its legendary Halloween celebration).
Wednesday, 10/26 – Beginning at 1:00pm THE BIRDS PG 1h 59m
SPECIAL MEDICARE PRESENTATION NEW DATE! Thursday 10/20, 9:00 am
10:00 am Hart Park House Please join Duarte Councilmember Vihn for
a Medicare presentation. Pastries and coffee will be served during this informative
presentation. Space is limited, call Lawren to reserve your spot.
OUT TO PASTOR
A Weekly Religion Column by Rev. James Snyder
WHO'S THE CLOWN NOW?
As a young person, I was fascinated
with clowns. My first
encounter was at a circus I
attended with my family. The main character
in the circus was the clown.
When I first saw those clowns, I was scared
almost to death. I've never seen anything as
scary as those circus clowns.
That began my adventure with clowns, and
every Saturday morning on television, I
watched Bozo the Clown. I rarely missed an
episode. But, of course, like most friends, I
believed Bozo the Clown and all clowns were
real. In fact, on Halloween, I usually dressed
up as a clown and went door-to-door collecting
"treats."
Imagine when I first realized that Bozo the
Clown was not real. That was when I also
discovered that Santa Claus and the Easter
Bunny were not real. So you can imagine the
distress I experienced.
As I got older, I grew out of that fascination
with clowns and put it all behind me. That's
the real purpose of growing up, to put things
behind you that aren't real.
I didn't think of clowns very much until
something happened recently in our house.
It was the day after Halloween, and The Gracious
Mistress of the Parsonage told me she
was going to the bathroom and take care of
her hair, wash and dye it, and whatever else
she did with it.
Looking back over my life, many things have
come to me while drinking my coffee. Coffee
is a very important aspect of my life, and I'm
just now beginning to appreciate it.
As I was drinking my coffee a thought came
to me, and I said to myself, "What if…."
I needed to put together a nice little plan.
I got ready for my plan, thought it through
very carefully, and believed I had everything
down where it needed to be (Or, so I thought).
Then The Gracious Mistress of the Parsonage
came out of the bathroom and walking down
the hallway, I saw her and said, "Oh my, you
are wearing the funniest and scariest looking
clown costume that I have ever seen." And I
laughed a glorious, hahaha.
I continued staring at her with a ridiculous
smile on my face. Unfortunately, The Gracious
Mistress of the Parsonage did not return
the smile.
Staring at me, she said, "What are you talking
about?"
Still laughing, I said, "Don't you know that
Halloween is over? You don't need a costume."
And then I resumed my hysterical laughter.
I resumed my laughter, and she resumed her
scowling.
That's the difference between my wife and
me. I see something to laugh at, and she
doesn't laugh at it.
When I quieted down a little bit, she cleared
her throat and said, "So, you think I'm wearing
a clown costume, do you?"
Without thinking, which is my usual MO, I
resounded, "Yes, I do." I followed that up with
more hilarious laughter.
"Are you sure," she said, "you want to stick
with your story?"
How she said it caused me a great deal of
pause. I began to think that maybe she did
not think my comment was funny. Aren't all
clown jokes funny?
My smile began to evaporate from my face,
and a lightbulb in my head went on.
Then she said, "Seriously, do you want a
clown to fix your supper tonight?"
Having no understanding of where that came
from, I had to stop and try to process that
thought. So what was she getting at?
"How about," she continued, "would you like
a clown to be in the house while you're asleep
tonight?"
Now I was getting nervous. So who's the
clown now?
Where this was going to end, I did not
know, but I did have a little bit of fear in that
direction.
"I was just joking," I explained. "After all, yesterday
was Halloween, and I just was joking
about it." So I tried flashing a smile at her, but
for some reason, it didn't flash.
I was beginning to understand why some
people are afraid of clowns. I suddenly had
an epiphany about something I had long ago
forgotten. I now have resumed my fear of
clowns.
Getting out of this situation is going to take
the brainpower of Bozo the Clown.
Knowing The Gracious Mistress of the Parsonage
as I do, there will be a payback for this
clown gaff. It may not be today, tomorrow,
next week, or next month, but it will come
when I least expect it.
Staring at me, she said, "I do not think clowns
are funny."
After being a husband for over 50 years, I
know that no payback is the worst payback.
Every day I get out of bed, I expect a payback
in some form. Whenever I see my wife stare
at me with a mischievous smile on her face, I
expect a payback. I wish she would get it over
and not keep me in suspense.
In the meantime, I happened to run across a
passage in the Bible for my personal situation.
James 1:19 - 1:20, “19 Wherefore, my beloved
brethren, let every man be swift to hear, slow
to speak, slow to wrath: 20 For the wrath of
man worketh not the righteousness of God.”
I must confess that too often I am slow to hear
and quick to speak. After this incident, I’m really
going to work on reversing my behavior.
Dr. James L. Snyder lives in Ocala, FL with
the Gracious Mistress of the Parsonage.
Telephone 1-352-216-3025, e-mail jamessnyder51@
gmail.com, website www.jamessnyderministries.
com.
Mountain Views News 80 W Sierra Madre Blvd. No. 327 Sierra Madre, Ca. 91024 Office: 626.355.2737 Fax: 626.609.3285
Email: editor@mtnviewsnews.com Website: www.mtnviewsnews.com
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