monthly “You are not alone.”
REMEMBERING PEARL HARBOR T he A ttack T hat B rought W orld W ar II to A merica December 2018
FROM THE DESK OF
Paul Stano
HOW TO TAKE CARE OF AGING FAMILY FROM ANOTHER STATE
These days, somany families are scattered across the state or even the country. And when you only get together once or twice a year, it can be shocking to see that parents or grandparents need a lot more assistance than you remember. Too often, aging parents and grandparents don’t want to complain or have far away family worry, so I wanted to share this helpful list of things to notice, talk about, and prepare for. First, be sure to focus on your family member and what’s important to them. Listen, observe, and ask questions without judgment or advice. Make a list of all the things they can do as well as areas where you think they might need help, such as light house cleaning or driving to doctors’ appointments. Start researching additional resources that can help as well as what type of help is covered by their health insurance. Start conversations with your immediate family as well as extended relatives and friends to see how you can pool your resources. Many of our clients come to see us during the holidays because their out-of-town family is visiting, and it’s the perfect time to update documents and put plans in place tomake sure that everyone is taken care of.
“Yesterday, Dec. 7, 1941 — a date which will live in infamy — the United States of America was suddenly and deliberately attacked by naval and air forces of the empire of Japan. […] It will be recorded that the distance of Hawaii from Japan makes it obvious that the attack was deliberately planned many days or even weeks ago. [...] With confidence in our armed forces, with the unbounding determination of our people, we will gain the inevitable triumph — so help us, God. I ask that the Congress declare that, since the unprovoked and dastardly attack by Japan on Sunday, Dec. 7, 1941, a state of war has existed between the United States and the Japanese empire.” –President Franklin D. Roosevelt The attack on Pearl Harbor in 1941 led to the severe destruction of the United States Pacific Fleet, but it lit a flame in the hearts of Americans. The sudden strike by the Japanese forces destroyed 20 American vessels, eight of which were battleships, and over 300 airplanes. Over 2,000 military and civilian American lives were lost, and another 1,000 suffered injuries. The following day, President Roosevelt gave his Pearl Harbor address to the nation, urging Congress to take action and declare war on Japan. This event brought the citizens of America together for the first time since WWII began. It was time to go to war. Although the attack caught America by surprise, the war had seemed unavoidable for some time. In 1937, Japan declared war on China to seize its import market for financial gain and to expand Japan’s territory. The Japanese government had been struggling with economic and social issues, and its leaders sought to solve these problems by taking the land of neighboring countries. In retaliation, America attempted to intimidate Japan by banning further trade with them. Instead, this action only made the Japanese
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-Paul
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government more reluctant to leave China. In the years that followed Japan’s declaration, Washington, D.C., and Tokyo engaged in negotiations, but neither were willing to budge. Japanese forces planned their attack on the United States for several months before putting their devastating plans into action. Their goal was to destroy the United States Pacific Fleet in order to remove any opposition to their takeover of the South Pacific. While their attack was incredibly damaging, it didn’t incapacitate the fleet. Pearl Harbor’s aircraft carriers were away when the attack took place and were considered the most important aspect of a naval fleet at that time. The Japanese also failed to destroy the U.S. Navy’s oil storage depots, repair shops, and submarine and shipyard docks, allowing the navy to recuperate quickly from the attack. There are many memorials to remind U.S. citizens of that day. A marble memorial was built over the fallen USS Arizona, dedicated Slipping & Falling When You Can’t Stop the Fall, Roll With It
to all military persons who were killed in the attack. Another monument was built on the northwest shore of Ford Island, close to where the USS Utah sank. In later years, the ship was added to the national register of historic places and was declared a national historic landmark.
Dec. 7 serves as National Pearl Harbor Remembrance Day. It honors individuals who survived the attack and those who did not. Remember those who lost their lives on that day and throughout WWII and the other brave soldiers who fought to keep the freedoms we have today.
Slick roads and icy sidewalks become part of the landscape every winter, and every year the risk of falling is very real. For many people, avoiding a fall can be difficult enough without ice coating every walkable surface. Young or old, here are a few ways you can stay on your feet this month. The correct footwear can save you from a nasty tumble or heart-stopping slip. Finding boots that are specifically designed to keep you steady on a slippery surface is a must. It’s also a great idea to buy waterproof footwear to keep your feet warm and dry in the snow. Ice cleats can be helpful as well; they slip over your regular shoes and give you the added grip you need. If you don’t want to wear your winter boots anywhere but outside, bring an extra set of shoes with you so that you can switch once indoors. IF THE BOOT FITS
hands out of your pockets, which will help you balance should you start to slip. It also helps to spread your weight out evenly by not walking with your feet close together. Try not to be distracted when you’re walking on ice — keep your eyes forward and make sure you know where you’re placing your feet. Unfortunately, even with all the precautions in the world, falls still happen. While no one has invented a way to trip and fall gracefully, there are a few ways you can avoid a serious injury when it does happen. If you find yourself starting to fall, lean forward to help prevent a direct impact to your spine or the back of your head. Try to roll with it, or, if you’re falling backward, try to land on your bottom. Also, try not to catch your full weight with your arms or hands, as that can lead to broken arms or wrists. If you do slip and fall this winter, it’s important to address your injury. It’s better to seek out medical attention than ignore the problem, which can only get worse the longer you put it off. KNOWING HOW TO FALL
ONE STEP AT A TIME
It’s important to move cautiously when you’re on an icy sidewalk. Make sure to keep your feet flat while you’re walking and your
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Wise Men or Sorcerers? The History of the Magi
The story of the three wise men visiting Jesus is a focal point in the Judeo- Christian telling of the birth of the Christ. Their gifts of gold, frankincense, and myrrh demonstrate reverence for the child through symbolism: Gold symbolized kingship; frankincense was commonly burned in temples and represented the spiritual stature that Jesus would hold; and myrrh was used in preparing bodies for burial, foreshadowing his eventual crucifixion. While the Magi’s role in the birth of Jesus is well-known, not much is understood about the men themselves and their connection to the baby in the manger. Historically known as Magi, the three “wise men” are known for their study of the stars. The Magi were some of the earliest astrologers. Until the 17th century, astrology and astronomy weren’t separate fields of study. Astrology included both the study of how the stars and planets affect human life and the position and motion of the cosmic bodies. In the Persian Empire, Magi were known as astrologer-priests, delineating the fate of men they saw written in the stars. But while they are known for interpreting the significance of planetary movements for human life, many historians suggest there could have been more to their jobs than astrology.
“Magi” comes from the Greek word “magos,”which means magic. Early interpretations of magos included alchemy and sorcery along with astronomy. Speculations swirl among many biblical scholars about the true nature of the Magi, as some tellings portray them as illusionists or fortune-tellers. In a cultural context, the Magi were revered across the Middle East. Along with their knowledge, they had stature and wealth that allowed them to bestow gifts upon those they deemed important. The act of giving presents to a child wasn’t a regular practice for the Magi, and thus the event was significant for the time. While only three Magi are portrayed in the familiar nativity story, the real event would have included many servants. As a matter of fact, the Bible never mentions the number of Magi who visited Jesus, leaving interpretations open as to how many Magi traveled to Bethlehem. In the early seventh century, the Magi were pushed to the outer rims of Africa and India due to the rising popularity of Islam. Since someone could only be considered Magi by birth, it is widely accepted that the line of succession eventually ended, and the Magi faded into history.
Take a Break!
Holiday
ROAST PRIME RIB
Ingredients
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1 bone-in prime rib (6–7 pounds)
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4 cups beef stock
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1 tablespoon fresh thyme, chopped Salt and freshly ground pepper, to taste
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8 cloves garlic, thinly sliced
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2 cups red wine
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Directions
1. 30 minutes before cooking, remove roast from fridge and let sit until it reaches room temperature. 2. Heat oven to 350 F. 3. Make small slits in prime rib and stuff with slices of garlic. Liberally season with salt and pepper. 4. Place a rack inside a roasting pan and roast prime rib for 2 hours, until medium-rare.
5. To make au jus, place
roasting pan with drippings from roast over 2 burners on high. Add wine and scrape pan as liquid reduces. Add beef stock and cook until reduced by half. Finally, sprinkle in thyme. 6. Slice roast and serve topped with au jus.
Recipe courtesy of Food Network
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INSIDE THIS ISSUE From the Desk of Paul Stano PAGE 1 Remembering Pearl Harbor PAGE 1 How to Slip and Fall the Right Way PAGE 2 The History of the 3 Wise Men PAGE 3 Take a Break PAGE 3 Holiday Roast Prime Rib PAGE 3 4 Common Financial Struggles for Seniors PAGE 4
4 COMMON FINANCIAL STRUGGLES FOR SENIORS
Whether You’re Retired or Not
Planning for and navigating retirement is the most pressing financial concern for older adults. While understanding how to budget and spend as you approach and enter retirement is crucial, it’s far from the only issue that seniors face. Last year, a report from the Consumer Financial Protection Bureau (CFPB) investigated the most commonly reported complaints the organization had received from adults age 62 and older. Aside from retirement savings, here are the four major issues reported by seniors.
cards to defray a surprise cost like a medical emergency. If you’re in danger of falling behind on payments, contact your lenders before opening a new credit account.
SCAMS AND IDENTITY THEFT
Sadly, many identity thieves and cybercriminals target the elderly. While your credit report can be corrected after such an event, many seniors are unequipped to deal with the process. The best defense is to check your statements often to ensure that any foul behavior is caught as early as possible.
your statements for unusual charges is the best way to avoid this source of stress.
LOSS OF A SPOUSE
The loss of a spouse presents challenges much greater than the financial burden, but that is often a major part of navigating the death of your partner. Accessing bank accounts and other assets can prove difficult, especially if was the deceased who primarily managed the finances. Working with a financial planner or elder law attorney can help make this process less daunting.
DEBT
CONFUSION REGARDING FEES
The number of seniors and retirees with debt is at an all-time high. Many seniors carry excessive debt in order to ease the burden on their children and grandchildren. Some still have student debt from their college years or other outstanding loans. Others turn to credit
Many seniors reported charges they didn’t understand to the CFPB. Often, they were signed up for subscriptions they didn’t use or weren’t sure how interest was being calculated. As with identity theft, monitoring
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