Add a Healthy Zing
BACK-TO-SCHOOL BUTTERFLIES? Helping Your Child Calm the Jitters
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sprinklesmagazine.com A KID’S STUFF MAGAZINE
August – September 2017 • Volume Six • Issue Forty-Two
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August - September 2017
CONTENTS 10 Back-to-School Butterflies?
Publisher | Editor Maybi Iglesias Contributing Writers Avi Lele Ashley Talmadge Copy Editor Assistant Tony Iglesias Accounting Martha Gonzalez Distribution & Circulation Martha Gonzalez Graphic Design Melissa Blanco Silva email@example.com Social Media Director Maybi Iglesias Marketing | Sales Maybi Iglesias firstname.lastname@example.org
22 Sleep and your Preschooler 5 Tips for Kids and Teens Who Want to Invest in Stock........................................... 14 Finding Gobi A Little Dog with a Big Heart.......................................... 18 Back-to-School Essentials.............................................. 20 Does Your 7-Year Old Really Need Braces....................23
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4 Money Issues Couples Should Agree On...................28
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Kids and Food 10 Tips for Parents............................................................32 Are Women Prepared for a Life Alone as They Age?..........................................38
15 Glorious Greens
Cover credit: Kitangle
GLORIOUS GREENS Add a Healthy Zing
BACK-TO-SCHO OL BUTTERFLIES? Helping Your Child Calm the Jitters
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August – September
A KID’S STUFF MAGAZINE
2017 • Volume Six
• Issue Forty-Two
33 Screen-wise: Helping Your Child Manage Technology
HOW CAN I stop MY CHILD FROM biting HER NAILS? Summer's almost over, back to school is around the corner and fall will be here before we know it. This issue brings to mind a lot of beautiful memories. Every year it kicks me back to when the kids started preschool and how they are now just a few years from college. Like every year, our Back to School issue brings you some of the most current trends for the new school year. It also highlights articles regarding back to school blues, getting adjusted to another school year and getting back on schedule. In this issue you will find a little bit Nail biting is one of the most common childhood habits. Some studies estimate that 45–60% of kids chew on their nails! Nail biting, like most habits, often disappears on its own as kids outgrow the urge to do it. In the meantime, avoid threatening or punishing your child — these tactics tend to backfire. Instead, tell her why you don't like the behavior and offer her rewards for self-control. You can also try having her wiggle her fingers for 30 seconds before she bites her nails — it may become too tedious of an activity for her to continue. Your child may bite her nails when she's under stress, so try to see if there's a pattern to her biting or if something is bothering her.
of everything. From back to school essentials to our popular editor's pick and great articles about kids and teens, money issues and tips for parents. Have a safe and fun first day of school! Don't
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HELPING YOUR CHILD CALM THE JITTERS by Ashley Talmadge
Colin* was starting 6th grade in a new school. At an orientation event, he became visibly unnerved as he struggled with the combination on a sticky locker. “He was concerned that he wouldn’t be able to open his locker with only four minutes between classes,” says mom Lynn Brown. (*Names have been changed to protect privacy.) Colin’s particular fear is surprisingly common, and so is his apprehension about the beginning of a new school year. Most kids, even excited ones, experience a few butterflies in the first weeks. And the source of such uneasiness is not always obvious to parents.
What kids worry about.
Age, experience, and temperament all determine a child’s concerns.
Young children with little experience outside the home may have separation anxiety. “Being in the care of adults other than their parents can be initially stressful for some children,” notes Deb Cockerton, a child and youth behavioral counselor. These youngsters also worry about practical matters, such as finding the bathroom and getting on the right bus. When they’re a bit older, children worry about whether they’ll have friends in their class and where they’ll sit at lunch. Tweens are “concerned about how they will fit in with their peers, and how they will do academically,” says Cockerton. The start of puberty and issues like cyberbullying, body image, and athletic ability may be additional stressors.
Some worries are not obvious to parents. Kerry Norris, principal and longtime educator, says, “There are always some things we don’t think of as adults…We’ve had little ones who are afraid to flush the toilet in the loud echo-prone bathrooms.” Older kids who are beginning to measure themselves against peers, may feel humiliated if they wear the “wrong” clothes or come to school with a “nerdy” haircut. Major transitions can cause feelings of insecurity, even if a child has previously done well. Brown says that Colin was “extremely successful and a model student” during his elementary years. Yet, as a kid who “thrives on routine and predictability,” it took time for Colin to adjust to the new academic expectations, the more AUG/SEPT 2017
complicated schedule, and the pre-teen social dynamics of his new school.
Signs of anxiety.
Kids express anxiety in many ways. Some are vocal and quite specific about their concerns. But more often, signs of stress are seen in a child’s behavior or physical symptoms. Cockerton says, “The younger child can become more ‘clingy,’ not wanting to leave mom’s side.” The tummy ache is a common symptom of stress in younger kids. Older children may suffer headaches or gastric distress. They may eat more or less than usual when they’re feeling anxious, and Norris notes they may also experience sleep interruptions and moodiness.
How parents can help.
Kids feel more confident and competent when they come to school prepared. Experts like Cockerton and Norris agree that parents play a leading role in helping kids cope with back-toschool fears. Here are 15 ways to calm the jitters: Talk to your child about what worries her. Provide accurate information if she is misinformed. Listen carefully and respond empathetically. Avoid saying, “Don’t worry. You’ll be fine!” Focus on your child’s very real concerns. Create safe space. The tween who resists faceto-face conversation may “open up” at unexpected moments. Look for natural opportunities
to listen and check in during daily activities— riding in the car, doing a chore, playing a game. Read books. Cockerton says books can give kids “language to express what they are feeling.” Characters with school challenges can help normalize a child’s feelings. List it. Help kids refocus on the positive by listing the things they’re excited about as well as the things that scare them. Talk to veteran students. If your child is starting at a new school, make contact with kids that have been there a year or two. Fears of the unknown can be calmed with accurate kid-to-kid info. Tour, meet, and greet. Visit the school so your child can see the layout. Make introductions to teachers and other school personnel. Brainstorm. Help your child build a repertoire of possible solutions to a problem. Brown’s son, Colin, was anxious at the thought of changing
into his gym clothes amongst other boys. She says, “We helped him figure out where he could change and feel he had some privacy.” Play “what if…” What would you do if you forgot your lunch? What would you do if couldn’t find your homework? This technique gets even the youngest kids involved in problem-solving. As Principal Norris says, “Developing the skills to solve problems independently lasts a lifetime!” Role play. Act out potentially uncomfortable interactions: What can you say if you want to be friends with someone? What can you do if someone is mean to you? Resist overscheduling. Keep extracurricular activities manageable, especially during the first months of school. Kids need down time to unwind and reflect. Show confidence. Let your child know you trust her ability to succeed. Remind her of the
many challenges she’s faced and managed in the past. Check parental fears. As Cockerton says, “Children are very good at reading their parents’ emotions and if the parent is worried about how their child will do at school, the child will interpret that as ‘something to be worried about.’” Resist oversharing your own fears with your child. Make home comfortable. Kids who are worried about a parent’s physical or mental health may be reluctant to leave home. When major life events (divorce, death, a family move) occur, maintain as consistent a routine as possible. Get help. If your child’s difficulties persist, Brown says, “Networking with the school personnel is a critical piece of the puzzle… Open communication with school teachers, counselors, and others is paramount to ensuring the most successful year possible.”
Soothe the Stress with Belly Breaths
AN ANXIOUS CHILD TENDS TO TAKE QUICK, SHALLOW BREATHS. A GOOD SELF-CALMING TECHNIQUE IS THE “BELLY BREATH.” HERE’S HOW TO DO IT:
1. Sit comfortably. 2. Place one hand lightly on your belly. 3. Breathe in slowly through your nose for a count of four. 4. Feel your belly rise. 5. Hold the breath for a count of two. 6. Let your breath out slowly through your mouth as you count to four. 7. Repeat several times.
Books To Read with... Little Ones:
FIRST GRADE JITTERS by Robert Quackenbush (2010) I AM TOO ABSOLUTELY SMALL FOR SCHOOL by Lauren Child (2005)
Online Help “13 HELPFUL PHRASES YOU CAN SAY TO CALM AN ANXIOUS CHILD” (lemonlimeadventures.com/what-to-say-to-calm-an-anxious-child/) For the parent who feels stuck (and ineffective) saying, “Don’t worry—you’ll be fine!” this blog provides some very helpful alternatives.
KINDERGARTEN ROCKS by Katie Davis (2008) THE KISSING HAND by Audrey Penn (2007)
ANXIETYBC (www.anxietybc.com/anxiety-PDF-documents) Printable information on coping with back-to-school fears, dealing with separation anxiety, teaching relaxation techniques, and much more.
For Older Kids:
KIDSHEALTH (www.kidshealth.org) Excellent information on everything from safety and school jitters, to homework and health issues.
BACK TO SCHOOL, MALLORY by Laurie B. Friedman (2005), ages 7-10
ALVIN HO: ALLERGIC TO GIRLS, SCHOOL, AND OTHER SCARY THINGS by Lenore Look (2009), ages 6-9
SMILE by Raina Telgemeier (2010), ages 8-12
5 TIPS FOR KIDS AND TEENS WHO WANT TO INVEST IN STOCK
Most people put off investing in stocks because it seems intimidating and expensive -- and many never end up doing it. But the earlier you start, the more likely you are to build some serious wealth. Here are five easy tips to help kids and teens get started. By Avi Lele, Co-Founder and CEO of Stockpile
1. Ask yourself: Do I want to be rich?
The secret to building large amounts of wealth is to invest your money, which means getting your money to work for you. Let’s say you save up $1,000 and store it in a shoebox. If you come back a year later, or 100 years later, you’d still have $1,000 in that shoebox. Now let’s say you invest that $1,000 in the stock market. Stocks can go up and down in value, but on average, they went up 9.8% a year from 1928 to 2014.* So if you had invested $1,000 in 1928, you would have had more than $3.4 million by now! *Source: S&P 500 rate of return
2. Start with the right kind of brokerage account.
Brokerages often require
thousands of dollars just to open an account. And many stocks are hard to afford – a share of Tesla costs about $200, while a share of Amazon costs more than $700. At Stockpile, there’s no account minimum, and you can buy and sell stock in fractional amounts. So if you want to buy $50 of Tesla stock, no problem – that $50 translates into a quarter of a share. You can invest as much or as little as you want, without overextending yourself. You’ll also want to make sure you won’t be paying big monthly fees or trading commissions because they’ll eat into your investment return. Stockpile doesn’t charge a monthly fee, and the commission is just 99¢ -- not the $7.95 you might pay elsewhere.
Finally, you’ll want to keep track of your investments on your own, without having to bug mom or dad. Stockpile is the only brokerage that allows kids and teens to use their own login to check up on their stocks and place trades that go to mom or dad for approval. It’s like being a student driver – you get to be in the driver’s seat, with an adult as your co-pilot.
3. Start early, invest regularly, and diversify! Remember how
we said the stock market went up an average of 9.8% a year between 1928 and 2014? The thing is, you can’t predict which stocks are going to go up, or when. Since you don’t know which years will be the good ones, starting early will (on average)
be better than starting late so your investments have more time to grow. If you invest regularly, you’ll be spreading your risk over a bunch of years, so you don’t end up overinvesting in a bad year. And if you diversify, you’ll spread your risk over a bunch of different stocks instead of putting all your eggs in one basket.
4. Have a strategy.
One good strategy is to “buy and hold” a stock, because you believe in the company and think its stock will go up over the course of months or years even though it might be bouncing around a lot day-to-day. Buying (and holding) a little stock every month is called “dollar cost averaging.” You can also “buy on the dips,” where you pounce on a stock you’ve had your eye on
when its price dips. Or, buy stocks you think are underrated or “undervalued” and hold onto them until they make a comeback. None of these strategies is foolproof, of course. You could buy on a dip and watch the stock go down even more. But having a strategy, sticking to companies you know, and staying informed about them usually gives you a leg up.
5. Enlist friends and family to help!
Build your stock portfolio faster by telling friends and family you’re investing for your future. At Stockpile, you can share a wish list of your favorite stocks so friends and family know just what to buy you for your next birthday or special occasion!
GLORIOUS GREENS: ADD A HEALTHY ZING TO SALADS, SANDWICHES, SOUPS, AND STIR-FRIES Not so long ago, the typical “garden salad” consisted mostly of chopped iceberg lettuce. Now that same menu item is a veritable medley of mixed greens as colorful as an artist’s palette—arugula, escarole, mizuna, mustard, rainbow chard. The value of adding nutrient-rich greens to our diet has caught the attention of consumers. The happy result? Endless options for salads, sandwiches, soups, and stirfries. Collard greens have joined spinach as a popular quiche add-in, and even kids are cashing in their potato chips for kale chips.
by Ashley Talmadge
Taste and texture. Leafy greens come in a wide assortment of flavors, ranging from bitter to sweet and from mild to tangy. Each weekend at his local farmers’ market, James Brock offers produce grown on his small vintage farm. Two of his salad blends are always popular. “Our ‘Sissy’ mix is a combination of 12 milder lettuces, including oak leaf and rhazes,” says Brock. In contrast, some of the spicier lettuces and greens, like arugula and komatsuna, give the “Sassy” mix a kick. Brock says texture is also a consideration. “Some people prefer the smooth, almost velvety butterhead, while others like the crisp crunch of a romaine.” Nutrient know-how. Packed with fiber and a slew of vitamins and minerals, leafy greens can be an integral part of a balanced diet. Registered dietitian Melanie King is an instructor in the Nutrition and Food Science program at
California State University, Chico. She says, “Greens also contain phytochemicals—compounds made by plants that may have health benefits for us, including protection against chronic conditions like heart disease and cancer.” However, it’s important to note that nutritional composition is not the whole story. Bioavailability, the degree to which consumed nutrients may be absorbed and used by the body, varies depending on the food source and how foods are combined in a meal. Take iron, for example. The heme iron found in meat protein is more easily absorbed than the nonheme iron found in plant sources. But heme iron improves absorption of nonheme iron when the two are eaten together; Vitamin C also improves bioavailability of the mineral. So adding some chicken or citrus to a spinach salad allows the body to make better use of iron and other nutrients in the leafy green.
Variety also goes a long way when getting kids onboard. Sometimes it’s all in the presentation. A “gross” green shake can miraculously become a “Green Monster Power Smoothie.” Any of the sturdier leaves like kale, collard, and broccoli can be roasted into crunchy chips and jazzed up with a little Parmesan cheese. Try chopping a few leaves to mix with the jelly in a sandwich. Or bake some greens into zucchini muffins or a savory quick bread.
Value in variety. King cautions against getting too caught up in the details, however. “It’s easy to get overwhelmed by this information,” she says, “Then people give up and stop eating the veggies that are so important.” She emphasizes that we benefit most from eating a variety of foods. “Different lettuces and greens will contain different nutrients and at different levels. Eating a variety ensures getting the most nutrient-dense diet possible.” King also encourages us to eat our greens in whatever form is available. “Of course we all love our fresh produce,” she says. “But don’t shy away from frozen, fermented or canned. You’re still getting many of the dietary benefits.”
Rethinking food scraps. Many edible plant parts are typically discarded in the midst of food preparation. Yet often, these “scraps” are tasty and packed with nutrients. When trimming kale and collards, save the stalks; finely chopped, they can be sautéed or added to stews with delicious results. Carrot
tops and celery leaves make excellent pesto, or add flavor to a stir-fry. Broccoli and cauliflower greens can be used alone or in combination with other more traditional greens. Smart storage. Lettuces and greens are perishable and can’t be kept too long without wilting and spoiling. Their nutritional value is also highest when they’re freshest. King says the best way to store leafy greens is in an airtight container in the bottom of the fridge. “Try to decrease exposure to light, warm temps and oxygen,” she says. “I always tell people to make good use of that veggie drawer!” Robust greens can easily be chopped and frozen for future use in soups and stews.
Greens by the Book Greens 24/7: More Than 100 Quick, Easy, and Delicious Recipes for Eating Leafy Greens and Other Green Vegetables at Every Meal, Every Day, by Jessica Nadel (2015). Green Kitchen Smoothies: Healthy and Colorful Smoothies for Every Day, by David Frenkiel & Luise Vindahl (2016). The Power Greens Cookbook: 140 Delicious Superfood Recipes, by Dana Jacobi (2016).
A PERFECTLY MIXED UP SALAD
Just as leafy greens vary in color, texture, and flavor, they also differ in nutritional composition. A creative mix makes for a healthy dish with oomph.
1. Start with a mild lettuce: butterhead, endive, rhazes, green leaf. 2. Add crunch and texture: frisee, romaine, Napa cabbage. 3. Color it up: radicchio, beet greens, arugula, baby red Russian kale. 4. Add peppery tang: arugula, dragon mustard, komatsuna, tatsoi, watercress. 5. Top it off with microgreens – the tender, young baby leaves from a slew of plants – parsley, purslane, sunflowers, collards, snow peas – are all loaded with antioxidants and vitamin C. Flavors range from sweet to nutty to spicy.
GOBI: A LITTLE DOG WITH A BIG HEART
FINDING GOBI: THE TRUE STORY OF ONE LITTLE DOG'S BIG JOURNEY
(YOUNG READER'S EDITION) BY DION LEONARD
The Feel-Good Story of the Year Arrives on the Children’s Book Market: AN UNLIKELY, GLOBE-SPANNING, AGAINST-ALL-ODDS TALE OF FRIENDSHIP, COMMUNITY, KINDNESS & HOPE In June 2016, Dion Leonard – an ultra-marathoner who has competed in over 20 races in some of the world’s most inhospitable, extreme conditions – came to the world’s attention when a small, scrappy dog became his unlikely companion throughout the Gobi Desert Run in China. Named Gobi for the desert in which he found her, in treacherous conditions and across raging rivers Gobi kept pace with Dion for 77 of the race’s grueling 155 miles – but the most extraordinary feat of their incredible friendship was yet to come. At the end of the race, Dion decided to adopt Gobi and bring her home to Scotland. But when Dion left Gobi in someone else’s care while he set to work figuring out logistics for her to come to the UK, she disappeared, setting off a worldwide, against-allodds search that seemed hopeless in a town of more than three million people. With the help of an international community of friends, supporters, and volunteers, Gobi and Dion were ultimately reunited – and on August 29, 2017, parents and young readers can share in experiencing their powerful true story of friendship, compassion, courage, and love with the release of Gobi: A Little Dog With a Big Heart [picture book, 4-8 years] and Finding Gobi: The True Story of One Little Dog’s Big Journey [Young Reader’s Edition, 8-12 years] with Thomas Nelson. “Finding Gobi was one of the most difficult things I’ve ever done, but her finding me was one of the best things I’ve ever experienced,” says Dion, who on June 13, 2017 released the adult trade paperback edition of Finding Gobi to rave reviews.
“Before we met, Gobi was on her own for an unknown period of time. We have no idea what she saw, experienced, felt, or even ate while she was in the desert,” he continues. “I think it’s an especially important thing for kids to remember, that we never know each other’s stories. We never know what our friend or our classmate, or even sometimes our family members are going through, which makes it even more important to always be kind to the people who come into our lives.” Much, much more than a ‘man meets dog’ story, Gobi is a truly heartwarming, true-to-life tale that will uplift and inspire people of all ages and backgrounds. Among the topics and messages it promotes include: ADOPT, DON’T SHOP! Animal welfare and reframing the way children and families look at rescue and shelter dogs AUG/SEPT 2017
HOPE, EVEN INDIFFICULT CIRCUMSTANCES: There is always a light at the end of the tunnel, and you never know where you’ll make new friends COMMUNITY: How the kindness of strangers across the globe helped to bring Dion and Gobi back together against seemingly impossible odds. CHINA AND THE GOBI DESERT! Fun facts about the country, culture, and people of this far-flung part of the world PERSEVERANCE, COURAGE, AND WORKING THROUGH OBSTACLES: Valuable life lessons from the physical and mental challenges ultra-marathoners face
Follow Dion and Gobi on Facebook, Twitter, Instagram, YouTube, and at www.findinggobi.com. Pre-order Gobi: A Little Dog With a Big Heart (picture book) and Finding Gobi: The True Story of One Little Dog’s Big Journey (Young Reader’s Edition) from Thomas Nelson today. Both titles will be available for purchase wherever books are sold on August 29, 2017.
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BACK to SCHOOL
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RESUABLE SNACK BAGS
This reusable Snack Bag is a silicone snack and sandwich bag perfect for replacing disposable bags! Easy to open and close. The Snack Bags can also be written on with washable markers or pens and then easily wipes clean. SILIKIDS.COM
SafetyTat offers unique temporary tattoos that display a parent's phone number in case their child is lost. The tattoos can be applied with water or directly stuck to a child's arm, allowing parents to personalize each with their phone number. Plus, a variety of fun designs are available as well. SAFETYTAT.COM AUG/SEPT 2017
AND YOUR PRESCHOOLER Preschoolers need about 11 to 12 hours of sleep each day, which can include a nap. There's wiggle room about exact sleep times — the most important thing is to help kids develop good, consistent habits for getting to sleep.
Benefits of a Bedtime Routine
A bedtime routine is a great way to help your preschooler get enough sleep. Here are a few things to keep in mind when creating one:
1. Include a wind-
ing-down period during the half hour before bedtime. 2. Stick to a bedtime, alerting your child both half an hour and 10 minutes beforehand. 3. Keep consistent playtimes and mealtimes. 4. Avoid stimulants, such as caffeine, near bedtime. 5. Make the bedroom quiet, cozy, and perfect for sleeping. 6. Use the bed only for sleeping — not for playing or watching TV. 7. Limit food and drink before bedtime. 8. Allow your child to choose which pajamas to wear, which stuffed animal to take to bed, etc.
9. Consider playing soft,
soothing music. 10. Tuck your child into bed snugly for a feeling of security.
A Note on Naps
Most preschoolers do still need naps during the day. They tend to be very active — running around, playing, going to school, and exploring their surroundings — so it's a good idea to give them a special opportunity to slow down. Even if your child can't fall asleep, try to set aside some quiet time during the day for relaxing. (And you'll probably benefit from a break too!)
The best way to encourage napping is to set up a routine for your child, just as you do for bedtime. Your preschooler, not wanting to miss out on any of the action, may resist a nap, but it's important to keep the routine firm and
consistent. Explain that this is quiet time and that you want your child to start out in bed, but that it's OK to play in the bedroom quietly if he or she can't sleep.
a flashlight, a favorite book, and a cassette or CD to play. Explain the kit, then put it in a special place where your child can get to it in the middle of the night.
How long should naps last? For however long you feel your preschooler needs to get some rest. Usually, about an hour is sufficient. But there will be times when your child has been going full tilt and will need a longer nap, and others when you hear your child chattering away, playing through the entire naptime.
Favorite objects like stuffed animals and blankets also can help kids feel safe. If your child doesn't have a favorite, go shopping together to pick out a warm, soft blanket or stuffed animal.
Preschoolers may have nightmares or night terrors, and there may be many nights when they have trouble falling asleep. Create a "nighttime kit" to keep near your child's bed for these times. The kit might include AUG/SEPT 2017
Some parents get into the habit of lying down next to their preschoolers until they fall asleep. While this may do the trick temporarily, it won't help sleeping patterns in the long run. It's important to give comfort and reassurance, but kids need to learn how to fall asleep independently. Establishing a routine where you have to be there for your child to go to sleep will make it hard for both of you — and be unfair to
your child — if you start leaving beforehand. If you're worried about your preschooler's sleeping patterns, talk with your doctor. Although there isn't one sure way to raise a good sleeper, most kids have the ability to sleep well and work through any sleeping problems. The key is to establish healthy bedtime habits early on.
This information was provided by KidsHealth®, one of the largest resources online for medically reviewed health information written for parents, kids, and teens. For more articles like this, visit KidsHealth.org or TeensHealth. org. © 1995-2017 . The Nemours Foundation/KidsHealth®. All rights reserved. © 1995-2017 . The Nemours Foundation/KidsHealth®. Reprinted with permission.
DOES YOUR 7-YEAR OLD REALLY NEED BRACES
by Dr. Jamie Reynolds
Braces are often a rite of passage for middle school students with overbites or crooked teeth. But the oral problems those braces are solving likely started way back in elementary school – possibly as early as first or second grade. So perhaps it shouldn’t be a surprise that the American Association of Orthodontists recommends children make their first visit to an orthodontist no later than age 7. “That doesn’t mean they are going to get braces,” says Dr. Jamie Reynolds, an orthodontist, national and international lecturer and author of “World Class Smiles Made in Detroit” (www. AskDrReynolds.com). “In fact, it’s pretty unusual to put braces on a child that young.” But with those early visits, the orthodontist might be able to head off problems before they get worse. Reynolds says these are a few of the things an orthodontist would be checking with your child: ARE THE JAWS GROWING PROPERLY? You would think the upper jaw and the lower jaw grow pretty much in tandem, but you would be wrong. The upper jaw stops growing around age 8 while the lower jaw keeps on growing like the rest of the body. That means orthodontists can spot problems with the upper jaw earlier and recommend treatment if it’s needed, Reynolds says. AUG/SEPT 2017
IS THERE ENOUGH ROOM FOR THE TEETH TO GROW IN? Sometimes permanent teeth don’t have enough room to grow in properly, possibly because a baby tooth is in the way. Generally, baby teeth fall out on their own, but occasionally a stubborn one needs to be pulled so that the permanent tooth doesn’t start growing in an awkward direction and become impacted. “Removing a misbehaving baby tooth is often the simplest and best solution to a problem that could become much bigger,” Reynolds says. ARE THERE TOO FEW OR TOO MANY TEETH? One of the things an orthodontist would do when examining a young child is to make sure the correct number of permanent teeth are forming. Extra teeth can be removed, but if a child is a tooth or two short the orthodontist will wait until all the permanent teeth are in before starting any treatment. “Before I went to dental school, I assumed everyone had the same number of teeth – 32,” Reynolds says. “But it’s not unusual at all to see people with missing teeth or with extra teeth.” DOES THE CHILD SNORE? Snoring is a potential sign of sleep apnea, a condition in which a person stops breathing
while sleeping. It can cause serious health problems and has been diagnosed in children as early as 4 or 5 years old. One common and treatable type of sleep apnea is obstructive sleep apnea, in which the airways become partially or completely blocked by the tongue or fatty tissues of the throat. An orthodontist can widen the child’s palate so the upper jaw expands, and that expands the nasal passages. It also provides more room for the tongue so it rests on the roof of the mouth and not the bottom. “Usually, orthodontists offer complimentary exams so it really is a good idea to have your child checked out by an orthodontist at age 7,” Reynolds says. “The odds are that no treatment will be necessary. But if problems are starting to develop, early detection could make a big difference.” About Dr. Jamie Reynolds Dr. Jamie Reynolds (www. AskDrReynolds.com) is recognized on an annual basis as one of the top orthodontists in metro Detroit. His book, “World Class Smiles Made in Detroit,” puts an emphasis on the many benefits of having a great smile. Reynolds – who is a national and international lecturer on hightech digital orthodontics and practice management – attended the University of Michigan for both his undergrad education and dental studies, and did his orthodontic residency at the University of Detroit-Mercy.
Kitangle products are designed to be in plain view within your home. They are also designed to fit into small spaces, into corners, and along walls nicely despite being larger litter boxes. Kitangle litter boxes are made from 1/4-inch-thick, heavy duty polyethylene plastic which also have UV protection. Our Slope Style has an entry height of 5.5 inches and our Corner Kitty's entry is 5 inches. Both are user friendly for kittens and geriatric cats alike. The Slope Style and Corner Kitty feature high-sided walls for better urine and litter containment and they both offer a seamless interior design which also reduces odor because there are no cracks or crevices for urine and litter to hide and dry in. Our lids are optional and remove with ease making cleaning a breeze. KITANGLE.COM
BRAINS = BEAUTY T-SHIRT
Ok Smarty Pants, this shirt is for you!Â We love a girl with a great sense of humor and a sharp mind. Express your true self. Tell the world what is beautiful to you by wearing a Brains = Beauty tee! CLEVERBELLE.COM
Editorâ&#x20AC;&#x2122;s Picks MARBLE MANIA
Techno Gears Marble Mania Mini Series is a great way to challenge your child's building skill and introduce them to the Techno Gears Marble Mania line. The Zoomerang set includes over 100 pieces to build and create your own marble and gear run. Once completed, the corkscrew marble lifter can be cranked to elevate the marble to the top of the build where the track and the fun begins. All Techno Gears Marble Mania sets are interchangeable and will require a minimum of 1-2 hours of construction for completion. Ages 6+ years. TLJI.COM/
Carry this canvas catch all tote from sunrise to sunset. Generously sized to accommodate all beach necessities, it packs flat in your suitcase. You'll have a convenient, oversized tote with a trend setting mix of prints when you arrive at your favorite destination. CABANALIFE.COM
ItBandz can help athletes with knee pain, providing support and stabilization to keep them active and competing at full strength. The unique design offers long-lasting comfort and movement, and is available in three different sizes and designs. ITBANDZ.COM
PEEKABOO BARN GAME
E-I-E-I-OH! The preschool app sensation, Peekaboo Barn, comes to life in a 3-D game for preschoolers! The Peekaboo Barn, Game from Educational Insights introduces the littlest gamers to early game play. For ages 2-4 years. AMAZON.COM
Drink Tops offer summer protection for kids' drinks outside. These BPA-free silicone lids prevent bugs and outdoor debris from making their way into a cup or glass. With one tap, Kids Drink Tops seal around the top of any glass up to 4-inches, locking in the aromas that can attract insects. Drink Tops are re-usable, durable and dishwasher safe. They come in a 4-pack of friendly face designs in multiple colors. COVERWARE.COM
With hand-lettered inspirational quotes and playful patterns, these handmade journals are designed to be gifted — to a friend or even to yourself! Scribble away on the blank pages inside and be confident that your sketches and notes are here to stay. CARDTORIAL.COM
VIOLET LOVE HEADBANDS
Violet Love headbands, for adults and children, are lightweight, eco-friendly, and fashion-forward with over 100 options from solid colors to vibrant patterns. Each headband is absorbent, washable and made with a unique "No Headache-No Slip" feature, making them great for workouts, outdoor activities, and everyday style. VIOLETHEADBANDS.COM AUG/SEPT 2017
With convenient 5 oz. peg bags, Welch's Fruit Snacks make for a perfect on-the-go summer snack that the whole family will love. Welch's Fruit Snacks feature fruit as the first ingredient, contain 100% of the daily recommended value of Vitamin C, 25% of Vitamins A & E, are Fat-Free, Gluten-Free and contain no preservatives.
4 MONEY ISSUES COUPLES SHOULD AGREE ON by Al Jacobs
Spouses often harbor different opinions on a variety of subjects. From the style of clothes and haircuts they like on each other to the TV shows they watch every evening, marriage requires plenty of compromise. While frivolous things such as choosing between Monday Night Football and Dancing with the Stars might conjure up a minor squabble, when it comes to arguments over money, respective differences can lead to more than just mild disagreements. "Income and spending are at the heart of any partnership – family as well as business," says Al Jacobs, an entrepreneur, real estate investor and author of the book Roadway to Prosperity (www.roadwaytoprosperity.com). "Just as business partners need to be on the same page when it comes to spending company money, spouses need to come together to avoid creating a crisis situation that could ruin a marriage." Jacobs says there are four basic issues that would put families in better financial shape if both spouses could be in accord on them:
Every family provider should arrange financially for his or her survivors in the event of an untimely death. A common way to accomplish this is with life insurance. This is where controversy arises. You want an inexpensive and unadorned 20- or 30-year level benefit term policy, of sufficient face value (normally no less than 10 times the insured's annual income). Spouses must agree on a policy and not waiver once it is purchased.
No single implement has led to greater misery for more families than the credit card, Jacobs says. These should be used as merely a convenience when cash is not available, and account balances should be paid in full each month before any interest is charged. Both spouses must conduct their lives by this rule. If either cannot do so, Jacobs recommends destroying the credit cards.
The car constitutes the typical American's single most important fixation. No other product is more forcefully marketed, and far too many people succumb to its allure, Jacobs says, forfeiting a substantial portion of disposable income. He says no one should drive a leased or financed vehicle. Instead, Jacobs recommends paying cash, even if that means you drive a 1984 Toyota Corolla.
EDUCATION The educational establishment has convinced the nation that a university must appear prestigious and be costly for it to be worthwhile, Jacobs says. The result: Untold numbers of college graduates and their parents are in hock big time, some never to emerge from debt. Jacobs suggests that unless a student is able to earn a scholarship, freshman and sophomore years should be spent at a community college, commuting from home, and the ju-
nior and senior years at a reasonably priced local state university. "The social and psychological pressures brought to bear on customers are more than many people can resist," says Jacobs. "But if two people hope to prosper together, both spouses must avoid the impulse to make purchases unwisely." Al Jacobs, author of Roadway to Prosperity (www. roadwaytoprosperity.com), has been a professional investor for nearly five decades and holds a degree in civil engineering from Rensselaer Polytechnic Institute, a Real Estate Certificate from the University of California and a Certified Property Manager designation (CPM) from the Institute of Real Estate Management. He organized his own investment firm in 1968 and has since specialized in development and management of real estate, and has a deep involvement in corporate securities. He has written for several newspapers near his hometown of Monarch Beach in Orange County, Calif., and also writes a weekly column for his website.
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SOAR TO EXCELLENCE THIS SCHOOL SEASON School-age children, from preschoolers to college students, need vaccines. Making sure that your children receive all their vaccinations on time is one of the most important things you can do as a parent to ensure your children's long-term health-as well as the health of friends, classmates, and others in your community.
Getting every recommended dose of each vaccine provides children with the best protection possible. Keep in mind that there are many opportunities to catchup on vaccines for your preteen or teen. Preteens and teens typically see their doctors or other health care professionals for physicals before participation in sports, camping events, travel, and applying to college. Immunization is one of modern medicine's most significant public health achievements. Vaccines have eradicated smallpox, stopped wild poliovirus, measles, and rubella from being able to spread widely in the United States, and significantly reduced the number of cases of other diseases.
Up until September 30, 2017, new pediatric patients without health insurance may receive a free comprehensive check-up and required vaccinations for school. Covered vaccinations include, but are not limited to the following: polio, Varivax (chicken-pox), measles, mumps, rubella (MMR), DTap or Tdap (Diphtheria, Tetanus, Pertussis). New pediatric patients may also receive a NEW back-to-school pouch or backpack. To redeem this promotion, one MUST first make an appointment by calling 305576-1234 EXT: 470 (English) and 471 (Spanish). This promotion is valid at Care Resource's Little Havana office located on 1901 S.W. 1st. Street in Miami, Florida. Care Resource is a 501(c) (3) nonprofit organization and a Federally Qualified Health Center (FQHC) with facilities in Midtown Miami, Little Havana, Miami Beach and Fort Lauderdale. The health center improves the health and overall quality of those we serve by providing COMPASSIONATE, COMPETENT and COMMITTED care for all. Most services are provided on a sliding fee scale. With a sliding scale, fees associated with services provided are reduced based on household income to make services affordable to everyone.
According to Nadia Ferder, MD, Pediatrician with Care Resource, "Beat the back-to-school rush and use this opportunity to get your preteen or teen vaccinated today. As a mother and as Care Resource's Pediatrician, I firmly believe in treating the WHOLE person and that patients receiving my care are not just a number."
KIDS AND FOOD:
10 Tips For Parents It's no surprise that parents might need some help understanding what it means to eat healthy. From the MyPlate food guide to the latest food fad, it can be awfully confusing. The good news is that you don't need a degree in nutrition to raise healthy kids. Following some basic guidelines can help you encourage your kids to eat right and maintain a healthy weight.
HERE ARE 10 KEY RULES TO LIVE BY:
1 PARENTS CONTROL THE
SUPPLY LINES. You decide which
foods to buy and when to serve them. Though kids will pester their parents for less nutritious foods, adults should be in charge when deciding which foods are regularly stocked in the house. Kids won't go hungry. They'll eat what's available in the cupboard and fridge at home. If their favorite snack isn't all that nutritious, you can still buy it once in a while so they don't feel deprived.
2 FROM THE FOODS YOU
OFFER, KIDS GET TO CHOOSE WHAT THEY WILL EAT OR WHETHER TO EAT AT ALL.
Kids need to have some say in the matter. Schedule regular meal and snack times. From the selections you offer, let them choose what to eat and how much of it they want. This may seem like a little too much freedom. But if you follow step 1, your kids will be choosing only from the foods you buy and serve.
3 QUIT THE "CLEAN-PLATE
CLUB." LET KIDS STOP EATING WHEN THEY FEEL THEY'VE HAD ENOUGH. Lots of parents grew up under the clean-plate rule, but that approach doesn't help kids listen to their own bodies when they feel full. When kids notice and respond to feelings of fullness, they're less likely to overeat.
4 START THEM YOUNG. Food
preferences are developed early in life, so offer variety. Likes and dislikes begin forming even when kids are babies. You may need to serve a new food a few different times for a child to accept it. Don't force a child to eat, but offer a few bites. With older kids, ask them to try one bite. AUG/SEPT 2017
5 REWRITE THE KIDS MENU.
Who says kids only want to eat hot dogs, pizza, burgers, and macaroni and cheese? When eating out, let your kids try new foods and they might surprise you with their willingness to experiment. You can start by letting them try a little of whatever you ordered or ordering an appetizer for them to try.
6 DRINK CALORIES COUNT.
Soda and other sweetened drinks add extra calories and get in the way of good nutrition. Water and milk are the best drinks for kids. Juice is fine when it's 100%, but kids don't need much of it — 4 to 6 ounces a day is enough for preschoolers.
7 PUT SWEETS IN THEIR
PLACE. Occasional sweets are fine,
but don't turn dessert into the main reason for eating dinner. When dessert is the prize for eating dinner, kids naturally place more value on the cupcake than the broccoli. Try to stay neutral about foods.
8 FOOD IS NOT LOVE. Find better
ways to say "I love you." When foods are used to reward kids and show affection, they may start using food to cope with stress or other emotions. Offer hugs, praise, and attention instead of food treats.
9 KIDS DO AS YOU DO. Be a role
model and eat healthy yourself. When trying to teach good eating habits, try to set the best example possible. Choose nutritious snacks, eat at the table, and don't skip meals.
10 LIMIT TV AND COMPUTER TIME. When you do, you'll avoid
mindless snacking and encourage activity. Research has shown that kids who cut down on TV-watching also reduced their percentage of body fat. When TV and computer time are limited, they'll find more active things to do. And limiting "screen time" means you'll have more time to be active together. This information was provided by KidsHealth®, one of the largest resources online for medically reviewed health information written for parents, kids, and teens. For more articles like this, visit KidsHealth.org or TeensHealth.org. © 1995-2017 . The Nemours Foundation/KidsHealth®. All rights reserved. © 1995-2017 . The Nemours Foundation/ KidsHealth®. Reprinted with permission.
HELPING YOUR CHILD MANAGE TECHNOLOGY by Ashley Talmadge
Our digital companions go everywhere with us. Our smartphones,
olds use mobile technology every day, and 90 percent of teens own
laptops and tablets allow us to keep in touch, access information,
or have access to a smartphone.
fight boredom, navigate our way, express ourselves, and share the minute details of our lives. Technology has changed the way we
Recognizing the ubiquity of screens in our lives, the American
work, learn and communicate. This becomes clear to parents when
Academy of Pediatrics (AAP) recently updated their guidelines re-
we observe our children and see how they spend their time. Even
garding childrenâ&#x20AC;&#x2122;s exposure to screens and media. Rather than set-
young parents who have grown up in the Age of the Internet are
ting hard-and-fast limitations on screen use, the AAP now encour-
often startled by our rapidly changing technological world.
ages parents to incorporate screens in developmentally appropriate ways. Families who develop a Family Media Use Plan can integrate
Today in the U.S., almost all children have used a handheld elec-
screen use with their own interests and values. (See sidebar 2)
tronic device by the time they are only one year old. Most two-year-
Children under the age of two use all of their senses to learn about their world. Because face-to-face interaction and hands-on activities are most important at this stage, experts say screen time does not provide many benefits. Video chatting via Skype or Facetime is the one exception, and can help young children stay connected to traveling parents and distant relatives.
Between the ages of two and five screen time is most appropriate when parents engage along with their children. This could mean reading e-books together, or playing simple computer games in tandem. According to Licensed Marriage and Family Therapist Lisa Jellison, it’s important to choose slower-paced, age-appropriate programming at this stage. “Children under age five shouldn’t have access to lots of fast-paced content where many things on the screen change really rapidly,” Jellison says. “This can actually cause changes in the brain’s frontal lobe and may contribute to the development of symptoms of ADHD.”
Elementary School Students
As children enter elementary school the use of technology becomes an integral piece of the educational milieu. Margaret Johnson is executive director of a K-8 charter school. “Technology certainly has a place in the educational environment,” Johnson says. “It’s important to help students know when to use it, how to use it safely, and use it appropriate-
ly – within the context of educational objectives.” As students spend more time with media on screens, Johnson says she’s noticed less fluency in face-to-face interactions and a lack of experience with turn-taking. “With the old board games, kids learned to wait through the cycle of play for their turn,” says Johnson. “But with the new video games kids are each battling on their own device at the same time and they don’t have to wait.” For this reason, she says she and her teachers have up with new ways of sharing ideas. developed activities that “We have students who are working on help younger students solar suitcases to be sent to villages in build conversational and Kenya – and we want even more conturn-taking skills. nectivity with the world,” says Crosby. Most school administrators put limits on the use of personal handheld devices at school, but such limits vary widely. Johnson says, “Our policy is that devices should be turned off during school hours. This is not only to support the learning environment, but to protect student property.”
High School Students
Yet even with her school’s fairly inclusive view of device usage, Crosby admits that they end up confiscating one or two a day. “It is usually from the same students,” she says. “And in the cases where students are caught improperly using devices for drug sales, pornography or bullying, there are often unaddressed issues.” Crosby contends that intervention in such cases should be just as swift and purposeful as it is when kids are engaged in any other dangerous behavior, such as reckless driving.
Jerry Crosby is the prinAwareness of Health and Posture cipal of a public charter As a certified occupational therapy high school with a focus assistant, Kim Ward acknowledges on arts and technology. the benefits of screen technology. Having been an educator “There are programs that address for over 30 years, she’s problem-solving, reaction time, and seen many changes in fine motor skills,” she says. “Therathe methods and mapists have used Wii games to address terials schools use, and coordination and balance.” But Ward contends that most of does have concerns about the effects of the advances in technolhandheld technology on her 14-yearogy bring educational old son. benefits. “We have a fairly tech-savvy staff,” “James suffers from poor posture, headsays Crosby. “Devices aches, and seems to be compromised are actually encouraged when playing sports, stating he’s short in many classrooms.” of breath,” says Ward. She explains Teachers at her school these are symptoms of “text neck,” a use google.docs and condition resulting from repeated other apps that allow downward focus on a smartphone or students to work collabother handheld device. Other physical oratively, and students impacts can include sleep disruption are encouraged to come when kids use devices late into the AUG/SEPT 2017
night, and a propensity toward weight gain in kids who become more sedentary with increased screen time. It’s important to be aware of other signs of device overuse or obsession: schoolwork suffering; anxiety; fears of missing out; bullying (as victim, perpetrator, or bystander); secrecy; withdrawn behavior; difficulty sleeping. A trusted pediatrician, school counselor, or family therapist can often be helpful if a parent notices such warning signs.
Though many parents have fears about the effects of media and new technology on their children’s social and cognitive development, new research suggests such fears may be overblown. In most cases, what happens in the digital world simply mirrors what happens offline. That is, children who have strong family and peer relationships offline also tend to have strong connections online. Shy kids can benefit when they engage in social activities online, strengthening relational skills and expanding their peer group. However, loners who gravitate toward non-social activities online are more at risk for social disconnection and depression. Jellison says that when kids develop a propensity for playing video games to the exclusion of other activities, there’s usually an underlying cause. “I mostly see this behavior in kids with ADHD,” she says. “The fixation on gaming usually starts around age eight. If parents don’t set limits, the behavior can spiral out of control by the teen years.”
Crosby says there’s definitely a need for adult guidance. She acknowledges that cyberbullying is an issue because students say things online that they would never say in person. “In addition,” she says, “students lack a filter in determining what is healthy and safe to share. Everything from provocative photos to suicide pacts can come through cyberspace. When such issues arise I always remind families that most of these phones belong to the parents – and parents should check them often.” Crosby also recommends that computers and phones be powered up in family rooms rather than bedrooms and that there be a “curfew” on electronics before bedtime. “Parents have every right to limit the use of technology for their children,” she says, “And parents can make it clear to students that there is no right to privacy as a minor.”
the things that might be troubling or wonderful in a child’s relationships, and have conversations about appropriate online etiquette. Role playing can help a child problem-solve options in difficult social situations. Parents can also use stories in the media to start a conversation, thus opening lines of communication for more personal disclosure about what is happening in a child’s life. Good communication is the real key between parent and child. As Devorah Heitner explains in her book Screenwise: Helping Kids Thrive (and Survive) in Their Digital World, parents have more influence when they engage in mentoring their children, rather than in strict monitoring alone. Heitner encourages parents to approach children with optimism, a tech-positive outlook, curiosity and understanding. We best influence our children when we model resourcefulness and ingenuity, along with kindness and empathy in our daily lives. Technology will morph into forms beyond our imagination, but the importance of instilling our core values need not change.
Many parents are overwhelmed at the thought of monitoring their child’s online life. Research suggests that 70 percent of teens use multiple social media sites. Jellison says, “A lot of parents are not familiar "I prefer to think of techwith the variety of social media their kids are using, nology and kids’ screen time as an adaptation and that worries them.” rather than a deficit,” says She advises parents to Jellison. “Yes, kids today have all their children’s communicate by texting, passwords and to check and they don't have as their accounts frequentmuch to say to each other ly. “I also advise them to face-to-face. But this is install these applications their world now, and on their own devices and they've adapted to it.” She become friends with their reminds us, “In years to child. This allows parents come, they'll be the adults to monitor and teach in charge, and this is how appropriate use.” they'll conduct interviews and correspondence. This Parents should find quiet moments to ask questions is their social norm.” about friends, both on and offline, to talk about
Learn More WEBSITES: www.healthychildren.org/English/media/Pages/default.aspx Interactive tool allows families to create and customize a Family Media Use Plan. www.commonsensemedia.org/lists/social-networking-for-teens# Reviews of apps, games, websites and more. Offers blogs, highlights current research related to media and kids, and gives descriptions and ratings of social media sites accessed by teens. BOOKS: Growing Up Social: Raising Relational Kids in a Screen-Driven World, by Gary Chapman and Arlene Pellicane (2014). Screen-Smart Parenting: How to Find Balance and Benefit in Your Child’s Use of Social Media, Apps, and Digital Devices, by Jodi Gold (2014). Screenwise: Helping Kids Thrive (and Survive) in Their Digital World, by Devorah Heitner (2016).
Take a Tech Break The American Academy of Pediatrics emphasizes that digital media should not take the place of other important life activities. Encourage kids to: • Get at least one hour per day of vigorous exercise. • Get a good night’s sleep – no phones or devices in the bedroom. • Spend face-to-face time with family. • Spend quiet media-free down time to dream, create or reflect. Take a tech break when these physical signs appear: • Irritated eyes or blurry vision • Difficulty organizing thoughts • Disrupted sleep • Irritability • Headaches •Stiff neck, shoulder or back
SEPT 14 – 17
SEPT 21 – 24
GARDEN LITES® DEBUTS A NEW LINE OF VEGGIE RICH PRODUCTS Garden Lites®, the delicious vegetable company, the leader in unique veggie-rich foods is growing fast due to consumer demand. Garden Lites products are veggie-rich, with vegetables always as the first ingredient. The total line is made with only clean/simple ingredients, is non-GMO certified, gluten free, dairy and nut free and always delicious. The following are some of the new products added to our lineup:
Garden Lites has a variety of new products and increased distribution in the freezer section across the country. Some of the best selection can be found at Kroger, Meijer, Target, Costco, Shop Rite, Publix, Stop & Shop, Giant, HEB, Ralph’s, Fry’s, Whole Foods, and many more retailers and online for home delivery at thehealthfoodstore.com The line also has the Good Housekeeping Nutrition Seal of Approval, which is the first health-conscious, lifestyle-aware seal in the food and beverage industry.
WWW.GARDENLITES.COM AUG/SEPT 2017
Are Women Prepared for a Life Alone as They Age? The trends are clear – as women age the odds are they will be living alone, largely because of either divorce or widowhood. What may be less clear for many of them is whether they are prepared for that life alone – both emotionally and financially, says Susan L. Hickey, a financial professional at Your Own Retirement LLC (www.yourownretirement.com/womansworth). "Although both men and women could live three or four decades in retirement, it's more likely for women because they have longer life expectancies," Hickey says. "But they also often have less in savings, and smaller or no pensions, so their longevity can work for them and against them." Almost half (46 percent) of women who are 75 or older live alone, according to the U.S. Department of Health and Human Services' Administration for Community Living. But women, many of whom are heads of households, don't always do a good job of planning for their retirements because they spend so much of their time thinking about the needs of others – their children, their spouses, their aging parents, Hickey says. "They need to realize that their happiness and security in their later years can hinge on so many things, and not just their savings," she says. "So many factors come into play."
Hickey says some mistakes women make in planning for retirement, and what they can do to correct those mistakes, include:
Failing to participate in planning. Many wom-
en traditionally have left the retirement planning to their husbands and that's a mistake, Hickey says. Women should be actively involved. They need to understand their financial situation, what would happen if their spouse dies and where all the important papers are kept. When a meeting happens with a financial professional, they should be part of that and help make the decisions.
Underestimating how long they will live. For
some reason, many women have trouble imagining just how long retirement might AUG/SEPT 2017
last. Life expectancy for women in the United States is about 81, and that's an average. Many women will live into their 90s and some will pass 100. When planning and saving, women need to consider that they might still be living 30 or 40 years after they retire.
Failing to protect their health. Maintaining
your general health and well being is important because medical costs can eat into retirement money, Hickey says. The nest egg that someone thought would be more than sufficient can start disappearing quickly when there are significant medical issues. Women need to make sure they get exercise, eat healthy meals and keep up with those doctor visits.
"So much of this is connected," Hickey says. "When women feel that they have a good financial plan in place, they are more likely to feel secure and that's good for both their physical health and their emotional health." About Susan L. Hickey Susan L. Hickey (www.yourownretirement.com/womansworth) is a financial professional at Your Own Retirement, LLC. She helps guide clients, many of which are single women or female heads of households, on the many facets of planning for retirement. Because of her advocacy Sue combines numerous elements of retirement income planning through the use of insurance products, which includes strategies for claiming social security benefits, Medicare costs, long-term care concerns as well as traditional income needs. She holds her life and health insurance licenses, and has earned the distinguished Retirement Income Certified Professional designation.
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