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Loved Ones Must Know Your Health Care Wishes

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wall art heart showing for health care let all you do be done in love

I’m sure that no one wants to read today’s article, but I’m hoping you will. 

This is not an “older person” article. It’s also not a “pandemic” article. It’s also not about having a will – although that’s a good idea. It’s not meant to cause alarm or panic. But if there was ever a time to say to ourselves, “If I got sick, do my family and friends know my health care wishes?” now would be that time. 

I’m saying this a bit tongue in cheek, but when Buzzfeed…you know, Buzzfeed as the source for all of those cutesy quizzes that fill our Facebook page…when Buzzfeed publishes an article titled “The Four Legal Documents that Everyone Needs to Plan for Their Future”, then pay attention. I don’t want to give the whole article away, but here are three of the documents they mention:

A living will is a written statement detailing how you would like your medical and health care treatment to be handled in the event that you’re unable to express it yourself. 

A healthcare proxy is a document that says who can make healthcare decisions on your behalf, when you’re not able to do so. 

A power of attorney is a written authorization for someone to represent you or act on your behalf when it comes to business or financial affairs. 

As you can see, these documents are very inter-related. It might take some time to figure out how you would like your health care treatment handled and who you would like to be your spokesperson. You also have to figure out if the person making the decisions about your medical treatments should be your power of attorney. And then of course, there’s the decision of backups in case your first choice isn’t willing or able to take on this responsibility. 

The point being, the process of putting these documents in place takes time. It’s also recommended to have an attorney create these documents for you, so you have to budget for that. The ideal time to do all of this is when you’re not under the pressure of having to do it. This requires careful consideration.

I’ve probably mentioned this before, but my father-in-law was the ultimate planner when it came to his health care and final wishes. He talked to us for years about it. When his health started to decline, we all knew his wishes and there were no questions. There were no squabbles amongst family members about decisions. Everyone was focused on the same things. 

As a result of COVID-19, I have a few friends who have already begun conversations with their children about their medical wishes should they become ill. I realize that no one wants to do this. But it can be a big relief to everyone to have these health care conversations and draw up these documents so there’s no confusion about what to do and who will be in charge of decision making. 

Image captured by Sharlyn Lauby while exploring the streets of Gainesville, FL

What We Are UP To – The New Normal Edition

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brain cramp zombie poster on bus stop implying the new normal

This month we’re watching states relax shelter-in-place restrictions. I will admit that while it’s nice to see places reopening, I’m not sure we’re completely ready to resume all of the activities that we were planning before COVID-19. So, this month, we’re getting ready for a new normal – at least one that we believe will last for the next few months. 

Watching | The Mandalorian

> I’ve never been a huge Star Wars fan, but I have seen the movies. After all the Baby Yoda news, we broke down, ordered Disney+, and watched The Mandalorian. The Child (aka Baby Yoda) is adorable! I’m a fan. This will definitely be a part of our “new normal” viewing schedule. 

Reading | “Love Your Age”

> This was the perfect time for me to pick up this book. Author Barbara Hannah Grufferman gives readers an actionable, practical list of things we can do to feel better about ourselves and live a healthier life. I particularly liked the “master cheat sheet” at the end of the book with tips for things we can do daily, weekly, monthly, and annually. It’s given me some ideas about activities that I should incorporate into my new normal. 

Remembering | Road trips

> I ran across an article in Lifehacker about “Why You Still Need to Drive Your Car a Little If You’re Quarantined” and it reminded us that we need to figure out how to do this. A dead battery is not any fun. So, Keith and I took a road trip to a nearby small-town with a roadside restaurant famous for their barbecue. We ordered online, took a drive, and the restaurant brought it out to the car. The Q was delicious, and the road trip was just what we (and the car) needed. 

Working On | Sourdough starter

> Yep, we jumped on the “make sourdough starter during quarantine” craze. I’m not sure how this kitchen science experiment will turn out, but it has been fun. We’ve researched all sorts of recipes to understand the science of sourdough. And we had to find lots of uses for sourdough starter discard. The best so far? Sourdough peanut butter cookies.

Feeling | Comfortable with face coverings

> I must admit the first couple of times that I went outside with a face covering, it was odd. The face covering doesn’t hurt, and it doesn’t seem to fog up my eyeglasses too much. It just takes some getting used to. Personally, I think I will be wearing face coverings for a while, so I’m thinking about having a small (very small!) collection. That will allow me to always have one available. 

Planning | Meatless meals?

> Is anyone else out there wondering about meat shortages? I’ve been in a few grocery stores over the past month that are limiting meat purchases. The news is talking about supply chain issues. Not sure where all of this is going but Keith and I are thinking about adding a meatless meal to our new normal. We both love lentils, and this might be a good time to test out some recipes. (If you have a good meatless dish, drop a link in the comments.)

Loving | Small tea kettles

> You know, I’m a tea person. Well, I broke my favorite tea infuser and decided to try something new. Instead of a tea infuser, I’m using a small glass kettle (with a strainer). It works great, easier to clean, and significantly cheaper. Sometimes being forced to try new options works out well. 

Geeking | Logic Puzzles

> I’ve mentioned before my love of puzzles. One type that I remember loving (and aggravating the heck out of me) are logic grid puzzles. It’s the type of puzzle where you are given a series of categories and an equal number of options within each category. Each option is used once and only once. The goal is to solve the puzzle using the mathematical field of deduction. 

What’s UP with you? Is there anything that you’ve been doing while sheltering that will become part of your new normal?

Image captured by Sharlyn Lauby while exploring the streets of Chicago, IL

The High Cost of Financial Exploitation and Tips to Prevent it

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Las Vegas slot machine early retirement and tips to prevent financial exploitation

AARP recently offered a webinar on “The Costs of Financial Exploitation & Tips to Prevent It”. It was a very interesting and eye-opening listen. One in five individuals fall victim to some form of financial exploitation. The average loss is $120,000, which for many can be their entire savings. And while you might say to yourself, “I’m smart and alert. I’m not going to let some stranger scam me out of my money.”, the research shows that it’s often not the strangers we have to worry about. It’s family and friends. 

I’m not bringing this up to scare you or to make you suspect of anyone. But AARP’s philosophy of “If you can spot a scam, you can stop a scam.” Is a good one. AARP mentioned during the webinar that being aware of scams makes a person 80% less likely to engage in one and if a person does start to engage, it makes them 40% less likely to be a victim. So, talking about scams, fraud, and financial exploitation is an important topic. 

Many of us are well aware of the Social Security Administration scams going on. But we’re already hearing about scams associated with the stimulus checks that we’re scheduled to receive. That’s right, we don’t even know when we’re going to get these checks and there are already scams in place to get them from us. 

The webinar pointed out five actions to look out for when it comes to financial exploitation. These might be actions that you want to discuss with family members or ask someone to review with you (so you stay alert as well).

  1. Pay attention to withdrawals, loans, and overall transactions. It simply makes good financial sense to have regular reviews of your expenditures. This can also be a time to take note of anything unusual in your spending and address it. This isn’t about a lack of trust. It’s about making sure that our financial affairs are in order. 
  1. Have two power of attorneys for checks and balances. It’s always recommended to have a power of attorney in estate planning. But I can see where it might make sense to have two. This can create checks and balances on financial decisions. It will take some conversations to figure out who those two people are – the last thing anyone wants to do is create friction. But it’s worth consideration. 
  1. Ask your financial institution if they participate in the BankSafe program. The AARP BankSafe Initiative provides training to employees at financial institutions to help them spot potential signs of financial exploitation. Researchers have found this type of training gives employees greater confidence in recognizing and reporting cases resulting in 12 times more money being protected per employee.
  1. Learn about third party requests for money. During these difficult times, it can be wonderful to give to organizations and individuals who need assistance. I’m not saying to stop. But it’s important to take a moment and do our homework about where we’re sending our money.
  1. Screen your phone calls. AARP continues to bring up this point. Phone calls are an easy way to scam people. The best way to avoid a scam phone call is to let it go to voicemail. If it’s a legit call, they will leave a message. Let your family and friends know that you won’t answer spontaneous phone messages. Recommend they send a text or some other type of message, so you don’t have to deal with scam calls.

PLUS! in addition to scams about stimulus checks, another popular scam right now involves the U.S. Census. Individuals posing as census workers collect information that can be used in identity theft. If you’re concerned about this, check out the video “5 Ways to Avoid a Census Scam” and share it with others.  

Talking about money is always a sensitive topic and no one wants to admit that they might have fallen victim to a scam. That’s why taking a preventative approach to financial exploitation is so important. Start the conversations early and get used to having open and honest conversations with people you trust. 

What We Are UP To: Quarantine Life Edition – #Unretirement Project

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wild wall art during quarantine life

Like many of you, Keith and I are still sheltering in place this month. But we’re making the best of our quarantine life. I know, it’s not really a quarantine. Here are a few of the things we’ve been doing during this wild time. 

Watching | Zombieland 1 & 2

> I’m sure this movie choice sounds a bit offbeat given what’s going on, but they are really fun movies. Neither of us are into scary or gory films. Don’t want to give away the storyline, but I will say that I loved the list of rules for surviving the zombie apocalypse. Especially number 32. You can look it up. 

Reading | AARP Memory Activity Book

> I bought this book a while ago because I wanted to see what types of activities were being encouraged to stimulate our brains. I believe brain health is important, so I was curious. The book contains dozens of individual activities that a person could do on their own (like creating a song playlist) or with others (playing a team sport). Even if you’re not dealing with memory loss, there are some fun things in the book to occupy your time. 

Remembering |Great Recession

> No, I’m not looking back on the Great Recession with fond memories. But with all of the talk about recession these days, we are looking back at what happened to see if there are some lessons that we need to remember or ideas we should incorporate into our lifestyle sooner versus later. Better to plan ahead.

Working On | Hanging Pictures

> Living the quarantine life is giving us the time to do a few small projects around the house like hanging pictures. We did a few right after moving in to make the house feel more homey but it’s time to finish the project. When you’re spending more time than usual inside, it is nice to have beautiful things on the walls. 

Feeling | A bit of FOMO

> FOMO is an acronym for “fear of missing out”. It’s often associated with the anxiety of not doing something such as going to the hip new restaurant or buying the latest trendy item. In our quarantine life, I think it’s attached to making the latest culinary trend like Dalonga Coffee, a South Korean drink made from instant coffee and sugar served over milk. It was tasty and a fun distraction to make. 

Planning | With Blueberries

> One of the benefits to living in North Florida is the number of blueberry farms in the area. And we love blueberries! The season just started, and we were able to get a summer’s worth of blueberries. Good thing they freeze well. LOL! That being said, I’m on the hunt for really good blueberry recipes. Quarantine life is the perfect time to try then out. 

Loving | Pigs in a Duvet Cover

> When we lived in Cincinnati, one of our favorite places was Skyline Chili. We were very fortunate when we moved to Fort Lauderdale that they had not one but two Skyline Chili franchises. Well, now that we’re in Gainesville, we’re not as fortunate. Luckily, we can buy Skyline online. We saw this recipe for ‘pigs in a duvet cover’ and decided to try it with some mustard, Skyline chili, onions, and cheese. OMGosh, it’s a deconstructed cheese coney! Delish. 

Geeking | Fiasco

> A favorite podcast of mine is Slate’s Slow Burn. It’s a well-researched look at significant events in our history. The original host of the podcast, Leon Neyfakh, has recently gone out on his own and created another podcast documentary called Fiasco. I’m listening to season one about the contested 2000 election between Al Gore and George W. Bush. If you enjoy politics and the news, check it out. 

What’s UP with you? How are you passing the time in quarantine? 

Social Distancing: 5 New Things You Can Do

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bar sign saying it's 5 o'clock somewhere for the purpose of social distancing

Depending on where you live, you’ve probably been practicing social distancing for at least a week or two. Maybe longer. It’s important for us to help flatten the curve and I’d like to believe that, by now, everyone knows that. 

But let’s be realistic. Social distancing is hard. Keith and I work from home, socialize very little, and even we think this is hard. We’re cutting back on the few things that we enjoyed going out and doing. So, I can only imagine what others who are used to much more active social lives are feeling right now. 

Like many, when we first heard about social distancing, it was an opportunity to dust off the to-do list and tackle some projects. We cooked at home. Started organizing the garage. Watched a few movies we’ve been looking forward to seeing. After that, a little bit of social distancing boredom sets in. We still need to stay at home but now we need some new activities to occupy our time and our mind. So, I’ve come up with a list of five things you might want to consider working on while you’re still at home.

  1. Take a MOOC (massive open online course). If you’re not familiar with MOOCs, these are free online courses taught by some of the best universities in the world. In the past, I’ve taken a course on the science of happiness from Yale. Keith and I just finished one from Harvard on meteorology. Think about a topic that you’ve been saying that you want to learn more about – like investing – and see if there’s a course available. BTW – there is an interesting financial markets course offered by Yale.
  1. Update your social media accounts. This is the perfect time to update your social media profiles, avatars, etc. Think of it as a social media audit. Be sure to also review the privacy settings for each platform as well. In addition, if you’ve been waiting for some free time to learn newer social media platforms like Instagram, this could also be a good time to slowly ease into it. That could lead to discovering even more activities such as Instagram’s “Photo A Day” – which is very fun.  
  1. Research the candidates running for office in 2020. Oh, and sign up for a mail ballot. For some, the last thing you might want to do right now is pay attention to the news but let me toss out another point of view. Now is when we get to see how political candidates handle the tough times. We get to see if they really act effectively and in our best interest. In addition, it will only take a few moments of your time, but find your supervisor of elections website and sign up for mail ballots. That way you know that you will be able to vote in the primaries and in the general election. 
  1. Attend a virtual event. Everything I’ve mentioned so far you can do on your own. If you’re missing human interaction, consider attending – or even hosting – a virtual event. You can sign up for a free account from Zoom and coordinate a virtual coffee meeting or happy hour. Netflix has a “party” feature where you can watch shows or movies with friends. Social distancing doesn’t mean we can’t see our friends, we’re just going to have to wait a little longer to be in the same room with them. 
  1. Stay healthy. Finally, don’t forget about your own health and wellbeing. I know that in many places, we can’t go to our hair stylist or a day spa. Keith and I have found it challenging to get fresh fruit and vegetables at the grocery store. Gyms, health clubs, and exercise studios are closed. But that doesn’t mean we’re not trying new foods and new ways to get activity. We just discovered an app called “The Walk” (available for Apple and Android devices) that coordinates activity with a story about saving the world just by walking. Oh, and you will ultimately be walking the length of the United Kingdom. 

My hope is that today’s post offers a bit of creative inspiration to keep your social distancing activities interesting. This is a tough time – even for a mega introvert like me. If you have some tips or resources for keeping things from getting too boring, share them in the comments. We’ve love to hear them.

Image captured by Sharlyn Lauby just off Duval Street in Key West, FL

Financial Scams: 6 Ways to Protect Yourself and Your Loved Ones

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wall art protect your heart like from financial scams

More than 1.4 million fraud reports were filed in 2018 according to the Federal Trade Commission (FTC). In those reports, 25% of people said they lost money and the total amount of losses reported was approximately $1.48 billion. 

I recently listened in on the AARP webinar “How to Protect Your Loved Ones from Fraud”. Don’t let the fact that AARP hosted this event lead you to believe that seniors are only people susceptible to financial scams. In the FTC report mentioned above, younger people reported losing money more often than older people. The bottom-line is financial fraud can happen to anyone. 

During the webinar, the speakers shared several practical takeaways about protecting against financial scams that we could all use. 

  1. Stay current with the news. Last year’s scams might not be this year’s scams. A good case in point is the phone call scam that’s supposed to be from the Social Security Administration. This scam is so prevalent that the Social Security Administration is issuing warnings about it. Both the FTC and AARP have fraud alert resources on their website so you can stay informed about the latest tactics from scammers.
  2. Heighten your awareness about financial scammers. During the AARP webinar, they discussed the psyche of a scammer and reminded us that scammers are looking for individuals who are vulnerable, trusting, and are perceived to have wealth or valuable items. This doesn’t mean we can’t be nice. It does mean we need to pay attention to the world around us.  
  3. Screen your phone calls. Protecting ourselves from financial scams would be easy if they identified themselves on our phone’s caller ID. Unfortunately, they do not. It’s sad to say but it could be in our best interests to send calls to voicemail if we don’t recognize the caller. If you choose to do that, let close friends and family know this is your standard operating procedure so they don’t worry if you don’t answer right away. 
  4. Practice good technology usage. Today’s technology advances are wonderful but that doesn’t mean we should abandon the principles of good technology usage. For instance, having strong passwords for our accounts – especially ones where we have financial information stored – is essential. Also, making sure that the software on our devices is up to date. Outdated software could expose devices to malware or security breaches, which can lead to identity theft. 
  5. Research the credentials of financial advisors. It can make a lot of good financial sense to tap into the expertise of bankers, accountants, and financial advisors. Sharing your financial status with others is sensitive and personal. Knowing that your financial advisors are bound by a professional code of ethics is key. Individuals in the financial services industry should be prepared to discuss with you their experience and credentials. 
  6. Monitor your credit report. Don’t forget that the Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies to provide you with a FREE copy of your credit report every twelve months. Other organizations use this information to evaluate your credit, insurance, employment, and housing. Even if you’re not planning to make a major purchase, make sure the information is accurate. 

My big takeaway from the AARP webinar was that these activities are things I should be doing anyway. We should stay current with the news. We should use technology, including our phones, in a safe and secure way. And we should check out the credentials of the people we work with. 

Consider this article to be a reminder of the things you should be doing to protect yourself from possible financial scams and fraud. Maybe you want to share this list with a loved one, so they remember to do these things as well. It’s easy to get settled into a routine and not be as diligent with keeping your software up to date. Or you ran the free credit report a few years ago but haven’t done it lately. Well, now’s the time to get back on track. No one wants to be the victim of a financial scam or fraud.

Image captured by Sharlyn Lauby while exploring the streets of Las Vegas, NV

What We Are UP To – Working From Home Edition

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Atlanta airport artwork clean hands and cover sneeze when not working from home

Given the COVID-19 news, many employers are asking employees to start working from home right now. I realize this could be a PITA, but it could also be an opportunity to test drive what working from home is like. If being a freelancer or consultant is part of your unretirement strategy, use this time – however long it may be – to see what you think about working from home.

Keith and I have been working from home for over a decade. We’ve learned a lot about how we like to work in the process. So, here’s what we’ve been up to this month along with a few tips about working from home. 

Reading | About Social Distancing

> Until recently, I had never heard the term “social distancing”. Now it seems to be all we’re reading about. And it’s one of the reasons that employees are being asked to work from home. I found this article on The Atlantic titled, “The Dos and Don’ts of Social Distancing” to be very interesting and helpful.

Feeling | The Need for Balance

> One of the biggest challenges of working from home is creating balance between your work life and your home life. It’s so much easier when you work in an office to leave the work behind. Find a way to shut the door – both literally and figuratively – to your work and enjoy being at home. 

Watching | Jumanji

> I’ve mentioned before that we seem to be gravitating toward funny movies lately. We rented Jumanji and Jumanji: The Next Level starring Dwayne Johnson, Kevin Hart, Jack Black, and Karen Gillan. Very funny and a nice message about the importance of teamwork. 

Remembering | To Practice Self-Care

> I’ll admit it. Sometimes the news can be overwhelming. Especially when we’re working from home and can tune into it all day long. It’s important to take breaks, have a nutritious lunch, and practice self-care. And it’s okay to take 5 minutes to solve The New York Times Mini Crossword then go back to work. 

Loving | My Herman Miller Chair

> Another aspect of working from home that’s worth mentioning is your posture. I’m very fortunate to have a Herman Miller Embody chair. My back thanks me every day for it. When you’re working from home, find a place where you can be productive and kind to your body. Ergonomics matters.

Working On | Cleaning Everything

> One of the nice things about Gainesville, FL is all of the trees. Unfortunately, it also means we’re in the middle of pollen season. So in between work, we’re tackling a few cleaning projects. That’s a nice thing about working from home. It’s easy to throw in a load of laundry or set up the Roomba while you’re answering emails. 

Geeking | Silicone Muffin Tins

> Since I haven’t been traveling much lately, we’ve also been using our time to do some meal prep. One thing in particular we made was chicken stock. I like to freeze stock in muffin tins and then just use what I need. We purchased a silicone muffin tin and it’s fabulous! I have no idea why we didn’t buy one sooner.

Planning | Regular Walks

> Last month, I mentioned that we were starting up Pilates again. And we love it. But with all the COVID-19 talk, we decided to take a break from going to a group workout space. But we’ve discovered that we can take a lap in our neighborhood and it’s exactly one mile. So far, we’ve walked a mile every day. 

What’s UP with you? Any questions about working from home? Let us know and we’ll try to get some answers. 

Image captured by Sharlyn Lauby at the Hartsfield-Jackson Atlanta International Airport (ATL) in Atlanta, GA