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Kevin’s Peace of Mind
www.kevintharpe.com (770) 503-1022
February 2023
FALLS CAN LEAD TO SEVERE, LIFE-CHANGING INJURIES
Don’t Let a Fall Take You Out
“Help! I’ve fallen, and I can’t get up!” We all remember seeing those Life Alert and LifeCall commercials where individuals lying on the floor say this iconic line. But while these commercials are silly, falling isn’t and can have serious consequences. According to the Centers for Disease Control and Prevention (CDC), almost 36 million falls are reported annually among older adults. Out of those 36 million, more than 32,000 deaths occurred due to falling. In addition, about 3 million older adults are sent to emergency hospital facilities to treat an injury related to a fall. Some accidental falls can cause mild bumps and bruises, but other times, these falls can lead to severe injuries and health conditions. To ensure you and your family are prepared for any unexpected accidents, it’s best to be ready for anything that comes your way — both legally and within your home. In honor of National Get Up Day on Feb. 1, here are a few ways you and your family can be prepared for anything that comes your way. How to prepare legally. If a loved one experiences a severe fall, they might not be able to care for themselves like they used to. You or another family member may have to care for them and speak on their behalf for their financial and medical needs. Because of this, it’s imperative that you have an estate plan. As an elder law and estate planning attorney, I focus on three things when helping my clients plan for the future:
When looking at types of assets, current law says your home, land, and retirement accounts are protected from Medicaid/nursing home spend-down. All of those assets remain protected for the rest of your life as long as there is no transfer of ownership of assets to your kids or an Irrevocable Trust. Therefore, it’s vital that you keep ownership of your assets. How to prevent your loved one’s risk of falling. While no one can eliminate accidental falls, you can take some preventive measures to reduce the risk of falling. First, you want to ensure your loved one’s home has clear and visible pathways . Ensure no clutter is blocking the hallways from your loved one’s room, living room, kitchen, bathroom, and other frequently used areas. There shouldn’t be any visible wires, loose shoes, tables, furniture, or clutter in these walkways. Second, ensuring your loved one’s home has good lighting is best. You can use nightlights in hallways and put lamps in easily accessible places for your loved one. In addition, exercise and performing specific stretches and movements that improve their mobility, balance, and strength can also help. You may even consider adding handrails, ramps, raised toilet seats, shower rails, and other devices to help your loved one keep their balance when doing daily activities. Preparation is always the key, whether legal or upgrading and modifying your loved one’s home. Please call me if you have questions or concerns about estate planning for your aging parents or yourself. I understand the stress you may be feeling during this time. Let us ease some of your worries. If you have fallen, there is help to get back on your feet.
1. Keeping ownership of their assets 2. Looking at the types of assets owned 3. Focusing on accessibility
These three things will help you immensely if a loved one suffers from a severe fall — it allows their assets and wishes to be protected. My clients’ main concern during the estate planning process is about how they can get help managing their assets if they become incapacitated. They are often told to put their kids’ names on their assets, like bank accounts or even their homes. Sometimes, they are even told to put their assets in an Irrevocable Trust. I don’t recommend either. Giving up ownership is not the best way to protect assets. You should keep ownership and provide your children with access to your assets . That’s why a Revocable Living Trust works best. With a Revocable Trust, you will retain ownership of your assets, and your children or others can assist you if needed.
—Kevin Tharpe
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Yes, Habit Tracking Actually Works! The Easy Way to Stay Motivated
Back in the 1980s and ’90s, almost every sports movie included a training montage — and no montage was complete without a giant paper calendar hanging on the hero’s wall. As time ticked by and the big game or contest approached, the hero crossed the days out one by one. Each square was a success, and it was another day of training down! It sounds silly, but according to habit expert and “Atomic Habits” author James Clear, that giant calendar isn’t just movie magic. It actually works! For some people, tracking their habits — literally writing down their successes and failures in order to keep a record — is an effective way to build and stick with new routines, like New Year’s resolutions. In his book, Clear writes that habit tracking works because it makes a particular behavior “obvious, attractive, and satisfying.” Tracking our habits in a visible place (like a calendar on the wall) reminds us to keep our “streak” of good behavior alive and holds us accountable if we mess up. It also just feels good to cross a square off of the calendar.
motivated to continue down that path. In this way, habit tracking can have an additive effect on motivation. Every small win feeds your desire.”
You don’t need to use a ’90s calendar to track your habits in 2022. Instead, Clear recommends leveraging technology to make tracking as easy as possible. If you want to build
better spending habits, put your credit card statements (which track your spending automatically) front and center. If you want to take more steps each day, buy a Fitbit so you don’t have to count them. That said, if you go the pen-and-paper route — or prefer an Excel spreadsheet — Clear suggests tracking your habit immediately after you finish it. That way, you’ll associate your positive behavior with the rush of satisfaction you get from checking a day off the calendar.
“The most effective form of motivation is progress,” Clear explains. “When we get a signal that we are moving forward, we become more
To learn more about Clear’s methods and download his free Habit Tracker Template, visit AtomicHabits.com/tracker.
Even War Couldn’t Hold These Players Back A Ukrainian Soccer Team Finds a Home
A bright spot is burning in the middle of the darkness brought on by the Russia-Ukraine War: the Shakhtar Donetsk soccer team. Since the war began, its players have provided entertainment and modeled resilience for Ukrainians caught in the middle of the conflict. They continue to play and win, even though their team has been “homeless” for almost 10 years.
This perseverance paid off. In a way, Shakhtar Donetsk finally found a home last year: The team qualified for the UEFA Champions League, placing them among the best soccer teams in the world. It was quite a feat for the underdogs, largely because they beat and later tied the powerhouse team Real Madrid along the way!
“Our challenge was to make the impossible possible,” the Shakhtar Donetsk coach, Igor Jovicevic, told ESPN.
According to ESPN, Shakhtar Donetsk hasn’t played on its home turf since 2014. That year, Russian-backed separatists forced the players to flee Donetsk and leave behind their beloved stadium, Donbass Arena. Things have only gotten worse since then.
This month, Shakhtar Donetsk will keep doing the seemingly impossible in the Europa League. Team captain Taras Stepanenko told ESPN that continuing the play will “show our defiance, our spirit.” Stepanenko’s village is in ruins, but he still dreams of going home to Donbass Arena — which the Russians are likely using to store weapons. “It is my biggest dream to go back to the arena and play,” he said. “I have thought about it since we moved from Donetsk. Maybe I won’t be a footballer anymore when we go back, but I will play as a veteran, as an old man. The club can organize a charity match, invite all the legends, and we can fulfill our dream. But I am confident it will happen.”
“For the past eight years, Shakhtar has led a nomadic existence … playing home games in Lviv (750 miles away), Kharkiv (190 miles), and Kyiv (450 miles),” ESPN reported.
And yet, the team continued to succeed! Nothing could hold them back from competing. In 2022, they lost 15 of their best players to the Ukrainian military and had to suspend a game because of an air raid. They simply replaced the missing soccer stars and moved forward.
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TAKE A BREAK
Here’s a not-so-fun fact: January is the most common month for couples to divorce. Why is January ‘divorce month’? No one is entirely sure why so many spouses choose January to cut the knot, but family law attorneys and other experts have floated several theories. • As the first month of the year, January is the perfect time for a fresh start. It may take ending their marriage for spouses to achieve their resolutions and find happiness. • Many couples stay together for their kids. After the high- pressure family holidays of Christmas and New Year’s are over, it may feel easier to initiate a separation. • If you stay married for even one day of the new year, you can file your taxes jointly! This could incentivize couples who separated earlier in the year to wait until January to seek divorce officially. It’s hard to say which of these theories is the real reason behind January’s high divorce rate. It could be a combination of the three. Whatever the reason, the good news is that we’ve made it through “divorce month” and into February — the month of romance. How can you keep your current (or future) marriage strong? We’ve gathered tips from couples married 50 years or longer to help you strengthen your marriage and navigate future divorce months. Reader’s Digest originally published these quotes, but they are so wonderful that we couldn’t resist sharing them! • Zelmyra and Herbert, married 87 years, offered these words of wisdom: “Remember, marriage is not a contest; never keep score.” • Don and Estelle, spouses of 50 years, told RD: “We look back only to the good times. Remember and revel in your successes.” • Jenny and Manny, married 65 years, shared our favorite advice: “When GOODBYE, DIVORCE MONTH. HELLO, ROMANCE! 3 Expert Tips for a Stronger Marriage
CURRIED STEAK WITH SCALLION RICE AND PEAS
Inspired by MarthaStewart.com
Ingredients
• 1 lb flank steak, room temperature
• 4 tbsp extra-virgin olive oil, divided • 1 bunch scallions, thinly sliced, white and light-green parts separated from dark-green tops • 8 oz sugar snap peas, trimmed and halved on the bias
• Kosher salt and ground pepper • 3 tbsp massaman curry paste, divided • 1 1/4 cups white rice • 2 1/2 cups water, divided
Directions 1. Season steak with salt and pepper. Brush with 1 tbsp curry paste, and let stand 10 minutes. 2. In a saucepan, combine rice, 1 3/4 cups water, 1 tbsp oil, and 3/4 tsp salt. Bring to a boil, then stir, cover, and reduce heat to low. Simmer about 15 minutes before adding white and light-green scallions. Cover to steam. 3. Heat a large cast-iron skillet over medium-high heat. Swirl in 1 tbsp oil. Add the steak, flipping once; cook this for 7–9 minutes, then transfer to a carving board. 4. Reduce the skillet to medium heat, then add 1 tbsp oil and the remaining 2 tbsp curry paste. Cook this for 1 minute. Add 3/4 cup water and cook until reduced, about 30 seconds. Transfer to a bowl and cover. 5. Wipe skillet clean, then add remaining 1 tbsp oil. While stirring, add snap peas. Season with salt and cook this until crisp-tender, about 2–3 minutes. 6. Fluff rice before stirring in scallion tops. Slice steak against the grain, then serve with rice, peas, and curry sauce.
you go to bed at night, it doesn’t matter how angry or sad you are;
always touch toes. It’s a little reminder that I’m here and
I love you no matter what.”
We hope you enjoy this month of romance and many more!
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(770) 503-1022 www.KevinTharpe.com 405 Broad St. Gainesville, GA 30501 INSIDE THIS ISSUE
Help! I’ve Fallen, and I Can’t Get Up!
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Curried Steak With Scallion Rice and Peas 3 Marriage Tips From the Experts Retrain Your Brain With Habit Tracking A Heartwarming Ukrainian Soccer Story
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A Cinematic Cure for Seasonal Depression
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To Chase Away the Blues 5 Feel-Good Movies
Are you stuck in a TV rut and starting to feel down in the dumps? (Thanks, seasonal depression.) If so, check out one of these heartwarming movies for a pick-me-up. 1. ‘Rescued by Ruby’ — If your family loves dogs, this kid- friendly flick will be a real crowd-pleaser. It stars a pup named Ruby, who starts life as a shelter dog. After a state trooper rescues her, she becomes a search-and-rescue worker who finds and saves people. A true story inspired the uplifting tale, and according to some reviews, you may want to have tissues ready. 2. ‘Yes Day’ — Imagine spending an entire day saying “yes” to everything your kids requested. Congratulations: You’ve stepped into the plot of “Yes Day”! In this film, parents Alison and Carlos go along with their kids’ wildest desires and watch family bonding magic unfold. The Raising Children Network recommends this movie for adults and older kids only.
hero named Chickenhare, who is 50% rabbit, 50% bird, and 100% confused about his place in the world. He’s also on a quest with friends to defeat his evil uncle before it’s too late. Think of the film as a funny, adventurous, family-friendly take on the classic tale “The Ugly Duckling.” 4. ‘Dumplin’’ — Mashable called “Dumplin’” “the definition of sweet.” The movie stars Rosie (played by Jennifer Aniston) as a pageant-obsessed former beauty queen whose daughter, Willowdean, doesn’t fit conventional beauty standards. When Willowdean enters her mom’s pageant in a protest complete with dancing and Dolly Parton tunes, she sparks a small-town revolution. This movie is recommended for children ages 13 and up. 5. ‘We Can Be Heroes’ — Since its release in 2020, this superhero movie has quickly become a family favorite. The story opens with an aliens-versus-superheroes showdown, and when the aliens win and take the heroes hostage, their kids come to the rescue. As the title implies, the film will leave you feeling like you can be a hero, too.
3. ‘Chickenhare and the Hamster of Darkness’ — The plot of this animated movie is as creative as its title! It follows a cartoon
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