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6 - Hinton News Tues. Nov. 29, 2016
Protecting Your Most Valuable
(NAPS)--Many Americans,
especially the younger generations,
tend to underestimate the risk of
experiencing an illness or injury•
Unfortunately, the chances of fac-
ing a disability are greater than
most would want to believe•
Research from Life Happens shows ............
that one-third of Americans will
experience a disability that will
interfere with their ability to work
at some point during their career.
The implications of an illness or
injury can extend beyond the phys-
ical. Northwestern Mutual's 2015
Planning and Progress Study
revealed that unplanned financial
emergencies and medical expenses
ranked among Americans' top
three financial fears and an unex-
pected disability can transform
these fears into an instant reality.
Despite the potential financial
consequences, people are taking
few steps to protect their income
and savings. As a result, nearly
half of Americans are likely to find
themselves in financial trouble in
just one month or less after incur-
ring a disability, according to Life
Happens research.
"May is Disability Insurance
Awareness Month, so it's a good
time for A~nericans to assess their
financial plans to see if they are
adequately prepared to manage
the financial implications of short-
or long-term disability," said Steve
Sperka, Vice President, Disability
Income for Northwestern Mutual•
It's a wise move at any time of
year, however•
Disability insurance is a solu-
Financial Asset
HALF
OF WORKING AMERICANS
COULDN'T MAKE IT
1 MONTH
BEFORE FINANCIAl.
DIF'FICUL'HE5 WOULD
SET IN, (~
Disability insurance can help you
save money if an illness or injury
keeps you from working.
access to disability insurance
through their employer. Even
those whose employers do offer
group disability may want to con-
sider an individual supplemental
policy for added protection and
flexibility• Aside from paying a
monthly benefit, an individual
policy is portable if an employee
changes jobs. The benefits may
also be tax exempt.
Sperka emphasizes that while
the ability to pay bills is impor-
tant, with both the cost of living
and longevity increasing, consid-
erations around disability should
extend beyond routine obligations•
"Northwestern Mutual's 2015
Planning and Progress Study
found that outliving their retire-
ment savings is the top financial
concern for Americans," continued
Sperka. "Disability insurance can
help preserve an existing nest egg
and also provide the flexibility to
keep contributing to retirement
savings, which could substantially
reduce the stress and pressure of
playing catch-up later•"
For a variety of tools and edu-
cational resources that provide
erson
e
tion specifically designed to re- insight and guidance on planning
place a significant portion of around the possibility of a disabil-
income and help with expensesity event, working with a financial
and lifestyle needs if sickness or professional and other resources
injury prevents a person fromto help you protect your income
earning a living. The U.S. Depart- now and into retirement, you car
merit of Labor estimates that two- viMt Northwestern Mutual at
thirds of Americans do not have www.NorthwesternMutual.com.
New Website Makes Futures Markets Simple
(NAPS) Recent headlines "-\
Start a new Holiday and Familydonation, you can drive under the Ave.
Tradition with the magic of lights lights of the Memorial Bridge• You Beautiful decorations, music,
and sounds in Alderson the can also visit Santaland in Alumni English tea and goodies await you.
weekend of December2. Park. Tea Times are 1,2:15, 3:30 and
Starting at 5 p.m. on December . On Saturday December 3 the 4:45.
2 there will be a bonfire near True Johnson Memorial Methodist Tickets are $12 and must be
Value on the Monroe County side of Church on N. Monroe (Greenbrier purchased in advance at the
Alderson. The shops will be open. County side) will have their annual Bridgewalk Shops. Phone is 304-
There will be warming stationBazaar and lunch from 9 a.m. - 3 445-7171 for more information.
and hot chocolate• Also, you might p.m. Of course, the shops of Alderson
run into Mrs. Claus with her special Lunch is $6 and includes soup,will be open for you shopping
gingerbread cookies• sandwich, dessert and a drink• The pleasure.
At 6 p.m. the parade line-up zs Bazaar has baked goods, craftsYou'll find some unique gifts for
there and then at 7 p.m. the parade and other fun stuff. The Bazaar your friends and family. Reasonable
begins, continues Sunday Noon- 3 p.m. prices and friendly service.
The Queen of Lights will light- A Train Show will be in Come to the "Gem of the Hills",
up the town with her wand as she the basement of the Alderson Alderson, and experience something
rides across the Memorial Bridge• Presbyterian Church on S. Monroe different.
Santa will make his appearance (Monroe County side) 10 a.m.- 4 These events are sponsored by
in the parade and then meet p.m. The show will continue onthe Town of Alderson, Alderson
the children at the Alderson Sunday 1 p.m. - 4 p.m. Entrance is Main Street and Alderson Fire
Community Center where there free. Department•
will be more goodies. Christmas Tour and Tea will be
After the parade, for a smallat the beautiful Cedars on Hemlock
have described a series of dra-
matic movements in :the financial
markets. Whil'e~many of t~ose~
movements impact stock prices, as
well as what we pay for groceries,
gas or loan rates, not everyone
really understands how it all
works•
Now there is a new online
resource available to help explain
what those markets mean to
everyday life. With easy-to-
understand content that every-
one from high school students to
financial professors will find
useful, Futures Fundamentals
(www.futuresfundamentals.com)
makes understanding markets
simple.
The site takes investing con-
cepts like futures, hedging and
speculating and shows how they
play an essential role in the world
around us.
For example, if you purchased
your home With the intent of sell-
ing it when the market value
exceeded the original price, you
likely didn't think you were specu-
lating. Yet that's exactly what you
were doing• You probably think of
having car insurance as common
sense, but you're hedging against
risk, just like thousands of compa-
nies need to do every day.
Futures Fundamentals pro-
vides a unique educational experi-
ence by linking topics in the news
to simple explanations, a glossary
of terms, and quizzes to sharpen
A new online resource is avail-
able to help explain how move-
ment in financial markets can
impact everyday life.
your knowledge• CME Group--
one of the world's leading deriva-
tives exchanges--created Futures
Fundamentals with the goal of
making financial education an
engaging experience for anyone,
regardless of how well versed they
are in the world of finance•
"One of the things we've seen
over the past few years is a real
hunger for information about how
people and businesses manage
risk, and how that risk impacts
people's everyday lives," said Anita
Liskey, CME Group Managing
Director, Corporate Marketing &
Communications. "Our goal for
this site is to be a go-to resource on
futures and derivatives, whether
you're a novice on Main Street or
an expert on Wall Street•"
Visit Futures Fundamentals
today to start learning how the
marketplace impacts the world
around you.
t/el*
attention to what people say. I just
As I grow older, I pay less
watch what they do.
--Andrew Carnegie
-" ................. I .................... I ............ Il, ......... -7 I,I ",.
I1'
"Your Full-Service Service S,.tation"
466-0133
For Pay At the Pump Gas & Diesel Fuel
ALL TIRES."
FREE MOUhT"
FREE BALANCE
FREE TIRE VAI VE5
Head Mechanic
Johnny Reel
Mechanic
Nick Connell
BRAKE SPECIAL:
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LIFE TIME WARRANTY
W R ER GOLD $69.9S
WAGNER $79.95
COMP.rER SCAN
We're drivers too:
-i-I,: ::.:~,i~:,~'we¢l~iyp~b~ic~tion~ofthe Gravy, Mashed Potatoes, Green
Summers County Council on Aging Beans, Cake/Ice Cream• Whole
Inc., 120 Second Ave., Hinton. Wheat Bread, Margarine/Milk.
Funded in part by the WV Bureau Activity: Birthday Party. Special
ofSeniorServices, AppalachianArea singing by Jumping Branch Trio:
Agency on Aging, other grant and Dalene Coffman, Maxine Bragg and
local resources and donations. Any Debbie Bowling at 11:00 a.m.
older persons is encouraged to Monday, December 5:
participate in the program Hamburger Patty, Whole Wheat
regardless of race, creed, handicap Bun, Light Mayonaise, Lettuce
or national origin. The Summers Tomato, Baked Beans, Vanilla
County Council on Aging is an equal Pudding, Milk. Activity: Bible Study
opportunity employer• with Rev. Butch Honaker at 11:00
Wednesday, November 30: a.m.
Chicken Livers, Parsley Potatoes, Tuesday, December 6;
Glazed Carrots, Cherry Cobbler, Seasoned Oven Baked Chicken.
Bread, Margarine/Milk. Activity: Mashed Potatoes, Glazed Carrots,
Summers County Senior Center . Cherry Cobbler, Whole Wheat
Quilters will quilt today 10:15 a.m. Bread, Margarine/Milk. Activity:
Thursday, December 1: Pinto Rick Moore field, Extension Agent
Beans, Chopped Onions, Mustard For Summers County. Topic:
Greens, Fruit Mix, Cornbread,Emergency Preparedness, Bingo at
Margarine/Milk. Activity: Seniors 11:00 a.m.
Will Draw Names For ChristmasMenu changes may occur due to
Gift Exchange and Decorate availability of food or due to
Christmas Tree. Bingo at 10:30 a.m. circumstances beyond our control.
Friday December 2: Roast Beef/
The superior man makes the difficulty to be
interest; success comes only later.
Author Book signing With
HEATHER DAY GILBERT
at
overcome his first
--Confucius
Lavender and Lockets
Friday, December 9, from 11-1 pm
Give Guests WhatThey Need
--And Want
by Katie Ferraro, MPH, RD, CDE
(NAPS)--The most wonderful
time of the year can also be the
most stressful, as it means enter-
taining a multitude of friends, fam-
ily and colleagues. Back in the day,
all hosts had to worry about was
who sat next to whom at the table.
Now, you also have to be extra care-
ful about what's ON the table.
Your holiday table can have some-
thing for just about everyone.
_ome meet a local author and stock up on signed book,,
for Christmas!
Buy any 2 in a series for the special price of $25!
PSD MEETING
The Meadow Creek Public
Service District meets the second
Tuesday of each month at the Green
• • • ,r
Sulphur Dzstrzct Volunteer Fzre
Department a£ 6 p':'~.l~cie~'tin'gs~
open to the public.
With food allergies and intoler-
ances on the rise, it's important to
keep the pantry stocked with sta-
ples that can please any palate,
taste or dietary restriction. Here
are some of my go-to delights:
Among Friends: For guests
looking for a homemade treat
without the hassle, the gluten-free
brownie, cookie, pancake and cake
mixes are packed with whole
grains and great flavor•
Angle's Boomchickapop: Snacks
and appetizers can pack a better-
for-you punch and still have a holi-
day feel. This gluten-free popcorn
comes in special Holidrizzle flavors
such as Dark Chocolatier Sea Salt
and White Chocolate & Pepper-
mint, all made with simple ingredi-
ents you can feel good about•
Biena Chickpea Snacks: For
those who crave a crunch.but are
allergic to nuts, protein-packed
roasted chickpeas can be the
answer. The Cinnamon Crunch
flavor can really help put people
in a holiday mood.
Grainful: Serve a smarter side
dish with these protein-packed,
heart-healthy steel cut oat-based
side dishes• Flavors include
Tomato Risotto, Cheesy Oats,
Jambalaya and Madras Curry.
Way Better Snacks: I love that
these delicious sprouted chips are
also gluten:free. The eight vari-
eties include Sweet Chili, 'Sweeet'
Potato and limited edition Oh My
Sweet Punkin Cranberry. All are
100 percent whole grain and made
with premium, non-GMO
sprouted ingredients such as flax,
chia and quinoa.
• Ms. Ferraro is a registered
dietitian qnd nutrition consultant.
-i÷ .... ' '"
PIPESTEM RURITAN CLUB
The Pipestem Ruritan club meets
every four~ " :~,urday at 6:00 p.m.
We have a wonderful dinner before
our meeting. We would like to invite
anyone interested in learning more
about this service club to come and
join us. We have a gospel sing the
Friday before our meetings•
Come join in the fun and
fellowship• For more information
please call Brenda Garcia at 304-
923-1622 or 304-466-6804•
The Julian calendar, a reform of
the Roman calendar, was intro-
duced by Julius Caesar in 46 B.C.
The Julian year is on average 365~
days long.
Nursing Home Falls Are Preventable
By Jeff Stewart, The Bell Law Firm
iii
Jeff D. Stewart
Falls by nursing home residents are a big problem.
If you are visiting a loved one in a nursing home
this holiday season, consider how the facility
addresses the problem.
According to the federal Centers for Disease
Control and Prevention (CDC), only about 5
.percent of adults ages 65 and older live in nursing
homes, but nursing home residents account for about
home residents account for about 20 percent of deaths from falls
in their age group. The CDC also reports that adults in that age
group are four times more likely to die of fall-related injuries if
they live in nursing homes compared to those who live at home
or with loved ones. Up to 75 percent of nursing home residents
fall each year- a rate more than double that of senior citizens
not in nursing homes.
Falls can be prevented. Each nursing home should take a
multidisciplinary approach to preventing falls. That includes
assessing patients following falls to address risk factors,
educating staff about prevention strategies, reviewing medicines
to assess their risks and benefits and minimize their use, and
making changes in the nursing home environment. Most
importantly, it has been found that the easiest tool for preventing
falls is for nursing homes to provide adequate staffing. The CDC
has found that as many as 27 percent of nursing home falls occur
because of such hazards as poor lighting, wet floors, incorrect
bed height and wheelchairs that are improperly fitted or maintained.
If you have a loved one in a nursing home, make sure it has a mul-
tidis¢iplinary approach to preventing falls. If you discover your
loved has cuts or bruises or seems more fearful of falling, ask your
loved one if he or she has fallen. Or ask other residents about that.
If you suspect negligence or abuse, consider calling leaders in the
field, such as the Bell Law Firm of Charleston, which has won
many lawsuits against nursing homes on behalf of abused elderly
residents and their families. The initial consultation is free, and The
Bell Law Firm gets paid only if the case is woGetting ready to put
someone in a nursing home? Call for a free document review.
More information is available toll-free at 800-342-1701 or
at: Www.BellLaw.com.
The Bell Law Firm,u,
YOUR NURSING ItOME ABUSE LAWYERS
Responsible Attorney, Jeff D. Stewart
r