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The Family Center: Resources for Families, Individuals and Professionals

Serving our community through programs and resources vital to today’s families.

Is "Life Insurance for Less" Really a Good Deal?

Ask the Experts by Dan H. Tripp CLU

Q: I've seen several ads for touting life insurance for less if I call an 800 number. I know I need life insurance, but is this the way I should go?

A: My initial response to this question is that you should do what is the most comfortable or convenient for you. If you don't have the time or the inclination to meet with an agent, then perhaps this is for you.

But before you do, here are some things to consider:

Read more: Is "Life Insurance for Less" Really a Good Deal?

 

Refocus and Improve Your Mood

Ask the Experts by Marla Ruhana

Q: I often feel depressed as I don't seem to have enough time to complete projects or be with family and friends. I'm drawn to social media and worry I'm missing out. How can I refocus?

A: This is a real problem for many. Sadly, social media often consumes too much of our time.

Insignificant distractions can do irreversible damage. The key is learning to manage our distractions by implementing increased focus and self-awareness.

Technology can become a rut, a ...

Read more: Refocus and Improve Your Mood

 

Social Isolation in Seniors

Ask the Experts by Kris Scarfone and Kristin Whitney

Q: With summer upon us I feel as though my mother needs to get out of the house more often and possibly go on a vacation. She seems to staying home more, putting off dinner invitations and saying "no" to social engagements. What can I do to help?

A: Identify reasons why your mother may be isolating herself and commit to encouraging and helping her get out of the house to enjoy the simple pleasures in life. Schedule an appointment with your ...

Read more: Social Isolation in Seniors

   

EMDR Therapy Can Reduce the Trauma of Bad Memories

Ask the Experts by Rebecca L. Palen

Q: The other day one of my friends told me about a therapy called EMDR that helps you when you feel stuck inside really bad memories. What is EMDR?

A:  Memories have a huge influence on the quality of our lives. We are wired for survival and use our past experiences to help us navigate through life. Many of us experience anxiety, depression, addictions, PTSD and more, as a direct result of unresolved bad memories. Sometimes we know what caused them, sometimes ...

Read more: EMDR Therapy Can Reduce the Trauma of Bad Memories

 

Anxiety – normal or not?

Ask the Experts by Christina Zachar, M.D.

Q: My daughter is away from home in her first year of college and is having what I think are signs of anxiety. She has started calling home frequently, is having a lot of physical symptoms and frequent crying spells. What is normal and what may be a sign of something more serious?

A: Anxiety is something we can all relate to. We can react to stress in physical and emotional ways. Anxiety Disorders include panic attacks, excessive worry, phobias, fear ...

Read more: Anxiety – normal or not?

   

Hearing Protection is Essential - and Easy to Use

Ask the Experts by Lynn Shawl

Q: When should I be wearing ear protection?

A: Auto racing has grown into one of North America's favorite summer pastimes. Unfortunately, it might be the most dangerous pastimes for our hearing.

A researcher from the University of Texas Austin attended a Formula 1 Grand Prix with a sound-level meter in hand. He measured noise at three locations within 25 feet of the track. He found the cars produced up to 8,500% of the daily allowed noise dosage established by ...

Read more: Hearing Protection is Essential - and Easy to Use

 

Navigating the Advance Funeral Planning Process

Ask the Experts by Jon O'Hara

Q: When completing my advance funeral plan, are there any additional considerations to further help my family at the time of my passing?

A: There are many important considerations while navigating the advance funeral planning process, but one recent change in Michigan stands out.

An important law was passed last year to make things a bit easier when a death occurs for Michigan families. The Michigan Public Act 57 of 2016, which became effective June 27, 2016, allows ...

Read more: Navigating the Advance Funeral Planning Process

   

Be Vigilant About Signs of Suicide

Ask the Experts by Megan Gunnell, LMSW

Q: I've been hearing more and more about suicide recently, both in our community and nationwide. Is there a trend in the spring? What are the warning signs I should be looking out for and what can we do as a community?

A: A recent publication on health.com stated: "According to the Centers for Disease Control and Prevention, suicide rates spike in the spring and to a lesser extent in the fall - not around the holidays as everyone suspects. And suicides in ...

Read more: Be Vigilant About Signs of Suicide

 

Reflective Listening Helps Parents Communicate with Children

Ask the Experts by Teresa Sandner

Q: Why do I have to tell my children something ten times and then threaten them with punishment before they actually do what I say?"

A: Most children tune out because they don't feel listened to or we say way too much.

Reflective listening is a way to let children know their feelings are being heard and understood. I-Messages are a way to let children know how their behavior affects us without shaming or blaming which helps to create an atmosphere of mutual ...

Read more: Reflective Listening Helps Parents Communicate with Children

   

Social Security Benefit Questions Answered

Ask the Experts by Matthew Swegles

Q: Can a newly divorced client who is 50 yrs. old, has not worked in 15 years or more, her ex owns a small company and takes a small salary, file to get some sort of benefit under his Social Security benefits now or at age 62 etc.? Will it affect his or her regular SS benefit later at retirement? How does that feature work if she wants more income eventually?

A: First, your client is not eligible to receive Social Security benefits until age 62 with an exception ...

Read more: Social Security Benefit Questions Answered

 

About Hybrid Long-term Care Policies

Ask the Experts by Dan H. Tripp, CLU

Q: I keep hearing about a "hybrid" form of long-term care insurance.  What is this and should I consider it?

A: Basically, a hybrid long-term care policy is life insurance with a long-term care rider. The rider allows the policy owner to use the death benefit to pay for any expenses related to long-term care.

Developed in the early 2000's as an alternative to traditional policies, hybrids offered guarantee premiums. Many traditional policies, due to ...

Read more: About Hybrid Long-term Care Policies

   

Time Mastery for Moms

Ask the Experts by Charmaine Johnson-Fuller

Q: How do I create the perfect schedule to make sure I have enough time for it all without feeling like a zombie at day's end?

A: Well first of all, there is no such thing as a perfect schedule. Relax.

In being a SAHM (stay at home mom) and Mompreneur (mom entrepreneur) I had to learn that not every day will look the same. The schedule I had for Monday might not work on Tuesday. I had to learn to be flexible with myself, my business and my family. ...

Read more: Time Mastery for Moms

 

is Your Loved One Considering Suicide? Warning Signs to Look For

Ask the Experts by Gigi Colombini, LMSW - Kevin's Song

In the US, suicide is the 10th leading cause of death, accounting for 44,193 fatalities in 2015, the most recent year data is available. For youth aged 10-24, it is the 2nd leading cause of death. Each day, 121 people die from suicide, yet still most people have little or no idea what is needed to help when someone may be experiencing a suicidal crisis.

According to the American Association of Suicidology, research based estimates suggest ...

Read more: is Your Loved One Considering Suicide? Warning Signs to Look For

   

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