Check out our February newsletter!
February 2026
Retirement Isn’t Automatic PLANNING AHEAD Estate Planning | Probate | Guardianships for Your Life Chapters Avoid These Retirement Mistakes
Ignoring Long-Term Care Many seniors imagine retiring at home, surrounded by their spouse and children, but this isn’t a reality for everyone. You could develop dementia or experience physical challenges that require you to reside in an assisted living facility. Medicare does not cover the costs, which can exceed $5,000 per month. Get a plan in place now to ensure you cover all your bases. Neglecting Estate Planning Most people understand the importance of an estate plan, especially those who have previously experienced probate. However, many people wait too long to establish their plan. Retirement is an ideal time to review existing estate planning documents or create new ones. Buying Into a Timeshare It’s easy to see the appeal of a timeshare, but the maintenance fees add up. Also, the timeshare market is rife with scammers. If you want to get rid of a timeshare, Kiplinger suggests you first contact your timeshare management company about resale options. If that leads nowhere, list your timeshare on established websites such as RedWeek.com and Tug2.net. Alternatively, hire a reputable broker. If all else fails, look into donating it to a charity (but first check with your tax advisor). Failing to Plan How You’ll Fill Your Free Time According to Kiplinger, it is critical to plan your free time in retirement as thoroughly as you plan your finances.
My dad worked 40 years for the same company and received a very nice pension, along with his savings. Then he and my mom moved from San Diego to Las Vegas, and we spent many wonderful times together, for which I am so grateful. For many Americans, they’ve worked hard for decades, pouring all of themselves into their work with the hope that one day, they’ll get an opportunity to step away from work to take full advantage of their senior years. However, you have to take intentional actions throughout your working life to ensure your retirement dreams come to fruition. According to Kiplinger, here are seven of the biggest retirement mistakes and how to avoid making them. Relocating on a Whim Those pictures of some new and beautiful town are quite appealing. According to Kiplinger, “Many folks have trudged off willy-nilly to what they thought was a dream destination, only to find that it’s more akin to a nightmare.” Their advice is to test the waters and have a good plan before you make a permanent move. Planning to Work Forever Many people work beyond retirement age either because they have to or because they want to. But unexpected things can happen, and you could be forced to stop working. Their advice: “Assume the worst, and save early and often.” Putting Off Saving for Retirement Retirement is expensive. You will still need to pay for housing, health care, and food at a minimum, as well as fund whatever other goals you may have. Without sufficient savings tucked away, you may be further from retirement than you think.
If you want more guidance on retirement savings, Kiplinger has many great articles and a six-week series on how to invest for retirement.
- Kim Boyer
ELDERLAWNV.COM 1
Set Sail on a Getaway That Keeps Things Simple A CRUISE WHERE YOUR PASSPORT CAN STAY HOME
Miami, Port Everglades, or Port Canaveral, you can hop on a Carnival or Disney cruise for a few nights of fun. Disney Cruise Line’s three-night Bahamian adventure aboard the Disney Wish includes Nassau and the legendary Disney Castaway Cay. Sand, sun, and smiles await without ever leaving U.S. waters. Bermuda Bound Just 570 miles off North Carolina, Bermuda is a perfect East Coast escape. Departing from New York City, Boston, Norfolk, or Miami, you can enjoy sandy pink beaches, historic Hamilton, and the charm of St. George. Carnival and Oceania offer cruises with relaxing days at sea and island adventures, perfect for a tropical getaway close to home. From the historic streets of New England to the sparkling waters of the Caribbean, these passport-free cruises make it easy to see the world while keeping things simple.
Have you been dreaming of a getaway, but the thought of renewing your passport is too much? Don’t worry, you can set sail without leaving the country. Passport-free cruises make it easy to explore charming towns, sunny beaches, and vibrant ports, all while keeping the logistics simple. Canada and New England Adventures Who says you need a passport to explore charming cobblestone streets, colorful harbors, and breathtaking fall foliage? Cruises from Boston, New York City, and Cape Liberty (New Jersey) make it easy to experience the magic of Canada and New England. Stroll through Halifax, Nova Scotia, savor lobster in Portland, Maine, or take in the quaint charm of Bar Harbor.
With Norwegian Cruise Line, you can enjoy a journey hitting all these spots before returning to the Big Apple. Sun, Sand, and Caribbean Vibes If turquoise waters and golden beaches are more your style, the Caribbean is calling, and you don’t need a passport if you start from U.S. ports like Miami, Tampa, or Fort Lauderdale. Regent Seven Seas invites travelers aboard the Wonders in the Caribbean cruise, stopping in the Cayman Islands, Belize, Mexico, and more. For a tropical twist, Royal Caribbean’s Southern Caribbean Holiday cruise begins in San Juan and visits Barbados, Trinidad, Tobago, and St. Maarten. Bahamian Bliss Florida’s sunny ports are your gateway to The Bahamas. From
It’s Not Just Memory Loss The Early Dementia Sign Many Families Miss
How can you tell when someone is starting to develop dementia? Many people imagine they’d notice immediately when something is off with a loved one. They think they’ll catch their loved one as they struggle to make simple decisions, fail to remember names, or become confused about scenarios they’ve experienced countless times. They may even see personality or sudden mood changes. All of these are early symptoms of dementia and Alzheimer’s. For years, researchers and scientists have been working to learn as much as possible about dementia. They’ve tried to determine its origin,
the earliest symptoms, and, of course, a cure. Recently, numerous studies have focused on facial movements related to dementia, yielding surprising results. They found that those with dementia tend to show less variation in facial expression, and when they do show expression, it’s often more subdued. Further, their facial reactions may be slower. It could take them longer to smile after a joke or show disdain over criticism. Some studies have also shown that individuals smile less often, even if they’re feeling happy internally. Dementia impacts emotional processing, motor planning, social
engagement, and facial muscle coordination. That’s why these subtle changes in facial expression and emotion can be an early warning sign of dementia. However, this does not mean you can simply diagnose someone by looking at their face while talking to them. By looking for early signs of dementia and speaking with a medical professional, you can catch the illness early and provide your loved one with meaningful care that benefits them for the rest of their life.
702-255-2000 2
DIGITAL DECEPTION Secrets of the Internet’s Sneakiest Scams The internet has become deeply intertwined with our lives, enabling us to reconnect with old friends, stay informed about the latest news, and explore new ideas. However, with the good comes the bad. Scammers have been developing new strategies to take our money, and if you’re not careful, you could become a victim. Here are three internet-enabled scams you should be aware of. Unfamiliar Emails We get emails every day, and most come from unfamiliar senders. These emails rarely contain relevant or beneficial information, but they often carry potential harm. Don’t click on links or attachments within these communications unless you expect them. Scammers can even spoof friends’ or family members’ emails, so it’s always good to be cautious. Scam Calls Your phone number is public information, and scammers use that to their advantage. They often call seniors, claiming to be someone from their bank, cellphone provider, or another company with which they have an account. They ask for sensitive information shortly after the call begins. Never give it to them. The real organizations rarely call, and if they do, they will not ask for sensitive information. If you receive a suspicious call, hang up and contact the supposed organization directly to verify its authenticity. Shared Networks When you enter a business, you may feel compelled to join its public Wi-Fi. While there’s nothing inherently wrong with this practice, you do not want to use public Wi-Fi to log in to and view your bank account, medical information, or social media accounts. Scammers wait on public networks to intercept passwords. Shared networks are not as safe as they may appear.
Honey Mustard Pork Chops
• 4 thick, boneless pork chops • 3 1/2 tsp garlic and herb seasoning, divided • 1 tsp sea salt • 1 tbsp avocado oil Ingredients Directions 1. Preheat oven to 350 F.
• 1/4 cup stone- ground mustard • 1/4 cup fresh honey • Fresh chopped parsley for garnish
2. Pat pork chops dry before seasoning them with salt and 1 1/2 tsp of garlic and herb seasoning. 3. In a large, oven-safe skillet, heat avocado oil over medium heat. 4. Sear pork chops in hot oil for 1–3 minutes on each side. 5. In a medium mixing bowl, combine mustard, honey, and remaining garlic and herb seasoning while the pork cooks. 6. Remove pork chops from skillet. Add honey mustard mixture to the skillet and mix. 7. Place pork chops back in skillet and cover with sauce. 8. Place pan in oven and bake for 15–20 minutes, until pork reaches 145 F. 9. Set oven to broil for the final minute to allow the tops to caramelize and enjoy!
Inspired by LoveFromTheOven.com
ELDERLAWNV.COM 3
PRST STD US POSTAGE PAID BOISE, ID PERMIT 411
5235 S. Durango Drive, Suite 103, Las Vegas, Nevada 89113 | 702-255-2000 | ElderLawNV.com BOYER LAW GROUP
Inside 1 Avoid These Retirement Mistakes 2 A Cruise Where Your Passport Can Stay Home The Early Dementia Sign Many Families Miss 3 Secrets of the Internet’s Sneakiest Scams Honey Mustard Pork Chops 4 Love Deserves More Than One Day a Year
LOVE DESERVES MORE THAN ONE DAY A YEAR COCO’S CORNER
I am still a puppy and love chewing things and playing. Every day is filled with such simple joys. Mom was telling us a story of Valentine’s Day when the kids were preschoolers. She got them helium-filled Valentine’s Day balloons, and the kids ran back and forth with such joy, holding those balloons for hours. It is a fond memory.
I am one of those lucky pups who will get an extra treat this Valentine’s Day. But shouldn’t we do simple things every day of the year to show our loved ones they matter to us? Need some inspiration? Here are five ideas: • Plan monthly kid-free dates with your spouse. • Take your kids on planned outings. It doesn’t have to be anywhere expensive. Even going out to the park or the local library can be enough. • Share words of adoration regularly. • Discover each family member’s love language and speak it regularly. • Give your pets some extra love, attention, and treats. Show your family, friends, and pets some love year-round! Take it from the family dog, the love of a family is truly one of life’s greatest blessings and treasures.
Coco
702-255-2000 4
Published by Newsletter Pro | NewsletterPro.com
Page 1 Page 2 Page 3 Page 4Made with FlippingBook Ebook Creator