FCS Newsletter January 19, 2021
A New Year Has Arrived “2021”
As we begin the year 2021, we often reflect on the things that happened in 2020 and make resolutions of things that we hope to achieve in 2021. People have been making New Year Resolutions for many, many years; however research has shown that more than half of the people who make a New Year’s Resolution will drop them by January 17th which is known as “Ditch Day”. To be successful in keeping a resolution that has been made, maybe we should change our thought process and switch the term Resolution for Aspiration. So, what is the difference between resolution and aspiration you may ask. A resolution is a firm decision to do something while an aspiration is a hope or ambition of achieving something. The two words evoke very different feelings. A resolution feels like a hard and fast rule. You either succeed or fail; there’s no middle ground. Whereas an aspiration feels like something we’re working toward. It gives us room to progress gradually, without feeling like a failure if we fall short of our goal one time. Resolutions may feel restrictive while aspirations may feel motivating. Take some time to think about your aspirations for 2021 and always aspire to do the best you can at any given moment.
“Aspire to greatness, your greatness.” Cindy Leland
Happy New Year!
2020-2025 Dietary Guidelines Have Been Released
The 2020-2025 Dietary Guidelines provides four overarching Guidelines that encourage healthy eating patterns at each stage of life and recognize that individuals will need to make shifts in their food and beverage choices to achieve a healthy pattern. The Guidelines also explicitly emphasize that a healthy dietary pattern is not a rigid prescription. Rather, the Guidelines are a customizable framework of core elements within which individuals make tailored and affordable choices that meet their personal, cultural, and traditional preferences. Below are the four Dietary Guidelines for Americans.
Make every bite count with the Dietary Guidelines for Americans. Here’s how:
1. Follow a healthy dietary pattern at every life stage. At every life stage – infancy, toddlerhood, childhood, adolescence, adulthood, pregnancy, lactation, and older adulthood – it is never too early or too late to eat healthfully.
2. Customize and enjoy nutrient-dense food and beverage choices to reflect personal preferences, cultural traditions, and budgetary considerations. A healthy dietary pattern can benefit all individuals regardless of age, race, or ethnicity, or current health status. The Dietary Guidelines provides a framework intended to be customized to individual needs and preferences, as well as the foodways of the diverse cultures in the United States.
3. Focus on meeting food group needs with nutrient-dense foods and beverages, and stay within calorie limits. An underlying premise of the Dietary Guidelines is that nutritional needs should be met primarily from foods and beverages -specifically, nutrient-dense foods and beverages. Nutrient-dense foods provide vitamins, minerals, and other health-promoting components and have no or little added sugars, saturated fat, and sodium.
4. Limit foods and beverages higher in added sugars, saturated fat, and sodium, and limit alcoholic beverages. At every life stage, meeting food group recommendations – even with nutrient-dense choices – requires most of a person’s daily calorie needs and sodium limits. A healthy dietary pattern doesn’t have much room for extra added sugars, saturated fat, sodium, or alcoholic beverages.
To read the entire 2020-2025 Dietary Guidelines: Dietary Guidelines for Americans website >>
Stimulus Payments for People, Not Nursing Homes
If you, or someone you care about, lives in an assisted living facility or nursing home, read on. Because the bill funding the second round of Economic Impact Payments (EIPs) has now been signed into law. The money – right now, $600 per person who qualifies – is being sent out over the next few weeks. And, like last time, the money is meant for the PERSON, not the place they might live. Read more: Consumer Federal Trade Commission website >>
Boost Your Child’s Future Credit Score
An authorized user is a secondary account holder on a credit card, which means the user has access to an existing credit card account but ultimately isn’t responsible for making payments. Although someone can become an authorized user of a sibling’s or even a friend’s account, the most common arrangement is between a parent and a child. The arrangement benefits young adults who may not qualify for credit on their own because they have little or no credit history and limited income. Although most credit card companies won’t issue a card to someone who is younger than 18, a child who is younger than that can be an authorized user.
More information may be found at Kiplinger personal finance website >>
You Have A Spot, Take Your Shot
Because vaccine supplies are still limited, you may have to wait. Here is how to take your shot against COVID-19:
- Supplies are very limited. Right now, very few vaccine doses are available.
- You will likely need an appointment to get vaccinated. You may have to wait to schedule your appointment to get your vaccine.
- Your local health department or hospital can help you get your shot. Because supplies are very limited right now, most doctors cannot provide vaccinations in their offices.
- Find your local health department or hospital. Use the link to find the health departments and hospitals giving vaccinations in your area >>. You can search by zip code or county to find locations and contact information. Because vaccine supplies are very limited, providers on this list may have very little to no vaccine doses available when you contact them.
- You can also call the COVID-19 Line 1-877-490-6642. It’s a free call.
Tuesday Tips: Estate & Legacy Planning Webinars
Montana State University Extension is offering a series on estate and legacy planning every Tuesday in January and February from 12-1 p.m. Eastern Standard time. If you are interested in joining any of these listening sessions, you can register at the Montana State University Extension Estate Planning Tuesday Tips website >>
● January 19, 2021
Comparing Life Estates and Joint Tenancies as Estate and Legacy Planning Tools
Acquire an understanding of the consequences differences between these two estate planning options and what they could mean for your loved ones.
● January 26, 2021
Long-Term Care Costs: Alternative Plans, including Medicaid
With the average cost of nursing home care reaching over $7,670 per month ($92,046 yearly) Montana seniors want to gain a better understanding of options for planning for the costs of long-term care. This session will help you to make the best choice for your family.
● February 2, 2021
Powers of Attorney: Financial and Health Care
Learn how to grant powers to a designated agent so the person can make decisions about your finances or health. Learn about the Montana statutory form for a financial POA and the Model Health Care POA form.
● February 9, 2021
Letters of Last Instruction: What to Include
Learning what to provide as essential information is needed to relieve your survivors (spouse, children or other family members) of needless hours of frustration and anguish as they search for needed important documents during a time of sadness and grief over your death.
● February 16, 2021
Using Trusts to Accomplish a Variety of Estate and Legacy Planning Goals
Discover the advantages and disadvantages of living, testamentary, and Clayton Election QTIP trusts as estate planning tools.
● February 23, 2021
What is Probate? What are the Duties of a Personal Representative?
Learn about the different versions of probate available in Montana, the duties of a personal representative, and how to reduce the cost of probate