Finding Your Muse: Music and Memory in Alzheimer’s Patients

September 1, 2026

Watching a loved one slowly lose pieces of their memory due to Alzheimer’s can be devastating. According to the Alzheimer’s Association, more than 7 million people in the U.S. are affected by this progressive disease, robbing them of critical thinking abilities. A growing body of scientific evidence now suggests that listening to music activates neural regions associated with memory, which is welcome news for Alzheimer’s patients and their caregivers.

Researchers from Monash University in Australia conducted a long-range study of over 10,000 people aged 70 and older and found that listening to music daily reduced the risk of developing dementia by nearly 40%. The group that was followed for 10 years also showed a 33% lower risk of dementia in those who played a musical instrument. “Our study suggests that lifestyle-based interventions, such as listening to and/or playing music, can promote cognitive health,” says Joanne Ryan, senior author of the study and head of the Biological Neuropsychiatry and Dementia research unit at Monash.

How does Alzheimer’s affect the brain?

Alzheimer’s is the most common form of dementia and is characterized by a slow decline in cognitive functioning due to a buildup of tau and amyloid proteins. As the disease progresses, healthy neurons in the brain lose their connections with one another and die, leading to memory loss over time. The disease typically starts in the brain region responsible for memory and ends in the brainstem, affecting critical heart and lung functions. 

Some patients may have difficulty remembering the faces of their loved ones and may find their usual environment confusing and disorienting. For such patients, being exposed to familiar experiences and keeping the brain engaged and active is vital to slow the progress of this irreversible disease. “Personalized music programs can activate the brain, especially for patients who are losing contact with their environment,” says Norman Foster, MD, Director of the Center for Alzheimer’s Care and Imaging Research at the University of Utah Health.

What is the connection between music and memory?

Studies show that music that evokes certain emotions can allow people affected by Alzheimer’s to retrieve forgotten memories, even if the music isn’t relevant to memories they’re failing to recall. When a patient with Alzheimer’s hears familiar music, it unlocks certain memories and emotions. Researchers have discovered that long-term musical memory does not follow the same progression of decline as other cognitive abilities. It is currently unknown why this is the case, and research in this area is ongoing. 

Music stimulates the temporal lobe and limbic system areas of the brain. It is largely observed that the emotions of a memory are better preserved in the mind than the memory itself, which is why music is such an important therapeutic tool for Alzheimer’s patients. By evoking emotional responses, music can allow individuals with Alzheimer’s to access memories that are difficult to recall. 

Many Alzheimer’s patients also tend to suffer from anxiety and agitation, and benefit greatly from the release of endorphins that comes with listening to music. “Just hearing a certain musical piece or singing a song with others that is particularly meaningful to an individual can create strong positive feelings, evoke memories and generate joy,” says Alvaro Pascual-Leone, MD, a professor of neurology at Harvard Medical School.

What are the benefits of music therapy?

Listening to music regularly stimulates parts of the brain related to memory and attention. Familiar music from the affected patient’s past can also improve their recollection. “Music therapy can make a huge difference not only for people living with dementia, but also for the family caregivers supporting them,” says Kathy Siepker, an associate professor at the University of Arlington School of Social Work. 

Siepker helped develop an app for people with Alzheimer’s that uses AI to sense the patient’s mood and plays familiar songs if they appear down or agitated. “Toward the later stages of the disease, patients often sit quietly, withdrawn,” says Siepker. “But when they hear familiar music—songs from their childhood or young adulthood—they often remember all the lyrics, sing along.”

The benefits of music therapy include:

• Relaxation
• Reduced anxiety and stress levels
• Mood regulation
• Improved memory 
• Better coping skills
• Mood regulation
• Improved communication skills
• Reduced sense of pain

How to find and apply music therapy?

If you or your loved ones are ready to look for a licensed music therapist, refer to the Certification Board for Music Therapists to find one in your area. Alternatively, caregivers can use some of the strategies below to incorporate music into the lives of their loved ones living with Alzheimer’s:

• Create a playlist on Spotify, YouTube, or a related app of familiar songs from a time your loved one can recall. 
• If they are fond of different genres, make separate playlists and use them at different times.
• Periodically update the list to expand the collection based on their reactions, since not all songs evoke joyful memories.
• Buy them a pair of wireless noise-canceling headphones for listening. This would allow them to be part of social gatherings where they feel like they are with family, but also need music to orient themselves.
• Remind them to listen to music when they feel anxious, confused, or agitated.
• Keep music accessible to them at all times.

World Alzheimer’s Day is observed each year on September 21. It serves as a reminder to us to raise awareness about Alzheimer’s disease and focus on ways to improve the lives of our loved ones living with this and related conditions.

Choosing the Right Debt Payoff Strategy

August 15, 2026

According to data from Capital One, the average American was carrying nearly $6,600 in credit card debt as of May 2026. Based on the Federal Reserve’s estimated average credit card rate, carrying that amount of debt can cause a consumer more than $1,500 in interest over a two-year payoff period.

Debt can become so overwhelming that many begin to view it as something they’ll just never get out from under. They deal with it only by avoiding it at all costs. But with the right approach, anyone can become debt-free. Here are proven strategies to help you get out of debt, repair your credit, and help you regain your financial freedom.

Ways to Stop Incurring Debt 

While it may seem like a given, the first step to getting out of debt is to stop incurring debt. To avoid incurring additional debt, have and maintain a realistic budget that reflects both your expenses and debts owed. 

When you have debt, you are making interest payments toward that debt instead of using your cash flow for other financial goals. Sticking to a budget can help you reset financially and motivate you to stick to your plans, such as saving up for a home. 

One of the best ways to avoid getting into debt in the first place is to keep an emergency fund. An emergency fund is a reserve of cash that is set aside for unplanned life events. A common rule is to save up between three and six months of your expenses.

“Unfortunately, debt tends to snowball. There just has to be a prioritization of saving that emergency bucket so that this doesn’t happen again,” says Cassandra Rupp, a senior wealth advisor and certified financial planner at Vanguard. “The first thing I would always say is just making sure you have that emergency savings bucket.”

Similar to an emergency fund, insurance can help you in the face of unexpected events. Having renters insurance or adequate homeowners coverage and good car insurance can keep you out of catastrophic financial trouble if you face property damage or loss. 

Choose Your Strategy 

If you really want to get out of debt, then you have to make paying off your debt a top priority. “It takes a lot of stress off of your shoulders to sit back and make a plan,” says Rupp.

Start by knowing not just how much total debt you owe, but also how each debt incurs interest, fees, or penalties. Create an itemized list of every debt you’ve incurred. 

“It’s important not to wallow in guilt, shame, or frustration about your debt,” says Austin Kilgore, an analyst at the Achieve Center for Consumer Insights. “Just stick to the facts. Write it all out or use a budgeting tool, so you can really understand the extent of your debt.”

If you prioritize paying off high-interest debts first, then you can avoid paying more in interest fees over time. But if you think some small wins will motivate you, then begin with small bills you know you can pay now. The first approach is the Avalanche Method, while the second is the Snowball Method. 

Here’s a breakdown of each strategy. 

• The Avalanche Method: This method is most beneficial for those with large debts and high interest rates. Begin by listing your debts from highest interest rate to lowest. Then make minimum payments on each debt, except for the one with the highest interest rate. Use all of your extra money to pay off the debt with the highest interest rate first. Repeat this process each month, after paying off each debt with the highest interest rate. This strategy will save you money and interest, and in the long term, you will pay less to get out of debt. 

• The Snowball Method: This method allows people to experience some quick wins by eliminating their smaller debts first. This strategy would be most effective for someone who has many small debts or who needs motivation to gain momentum. Begin by listing your debts from smallest to largest. Make minimum payments on each debt, except the smallest one. Use all of your extra money to pay off your first debt, and repeat this process monthly after paying off the smallest debt. 

Negotiating with Lenders

By working with your creditors and lenders directly, you may be able to negotiate a settlement or better repayment plan. If you choose to go this route, speak with a manager who has the authority to adjust your repayment terms and always get a copy of your agreement with them.

Be cautious of companies that assist with debt management and always do your research to make sure the company’s offers are legitimate. Companies that provide debt management services usually do so in three ways: through debt consolidation and debt settlement services for individuals or debt collection for lenders and creditors.

The Role of Debt Companies

With debt consolidation, the borrower pays their full debt balances with a new loan. Debt consolidation is a way to streamline your loans and reduce monthly payments. But this approach is only best if you can get a loan at a lower interest rate. If not, you’re just moving your debt around without making any progress.

Debt settlement involves hiring a company to negotiate lower payments with your creditors, instead of paying the total outstanding balance. These companies usually charge a fee of between 15 and 20 percent of your total debt amount. That means that if what they save you is equal to or less than what they charge you, then they’re not offering you a very good deal.

If you are ever contacted by a debt collection company, make sure the debt is valid before you pay anything. If you think there is an error of any kind, do not pay anything and dispute the debt.

Last, meet with financial experts at your bank or credit union for free guidance. A financial coach at your bank or credit union can help you decide which debt payoff strategy is best for your situation. 

Choosing What’s Best 

The best debt consolidation method may be the one that best suits your personality. “There’s not a one-size-fits-all approach to dealing with debt,” says Kilgore. “The best debt payoff strategy is the one you’re going to stick with and see through to the end. Full stop.”

If you are someone who thinks mathematically, then The Avalanche Method, in which you pay off your highest interest rate first, is going to make you feel more accomplished quickly. 

But if you know you’re going to need fast, noticeable changes in your debt situation, then The Snowball Method is better for you. This strategy feels good immediately, even though it will take you longer to pay off your debt. 

At Insureyouknow.org, you can store all of your financial records in one place, including your budget, itemized list of debts, and payment strategy logs. By remaining organized and prioritizing your debt payoff plans, your financial goals will become realities.

Buying a Home When Interest Rates are High

August 1, 2026

If you’ve been waiting for mortgage rates to fall before buying a home, you’re not alone. Experts say the decision isn’t as simple as waiting for lower rates. The better question is whether buying makes sense for your finances today.

According to a recent Rocket Mortgage survey, nearly 60% of Americans said that they would not start looking for a house now. The top three reasons for staying out of the market are high home prices, insufficient savings, and high mortgage rates. In the last five years:

• Home prices increased from $368,000 to $411,000;
• Mortgage rates increased from under 3% to over 6%; and
• Household debt increased from $96,000 to $105,000, while average wages adjusted for inflation remained flat.

Evaluate Your Situation

Mortgage rates generally move with the yield on 10-year U.S. Treasury notes, which are influenced by investor expectations and Federal Reserve policy. As of June 2026, an average 30-year fixed-rate mortgage rate stood at 6.58%. The Fed lowered the rate three times in 2025, but has kept the rate stable so far this year. “It’s not just about rates for homebuyers, but rather the full financial picture of buying,” said Lisa Sturtevant, chief economist at Bright MLS. “Home prices hit record highs this summer in many markets across the U.S. while higher gas prices and concerns about overall inflation rising have created more financial strain for would-be buyers.”

Here are some factors to consider when deciding whether to buy:

• Stability: Do your job and your paycheck seem secure? Do you intend to stay in one place for several years?
• Lifestyle: Can you afford the inevitable maintenance, repair, and insurance costs that come with owning a home?
• Savings: Do you have enough for the down payment, closing costs, moving expenses, and other expenses (e.g., title searches, home inspections, attorney fees)?
• Debt: How much debt (student loans, car payments, credit cards, medical bills) are you carrying?
• Credit: Is your credit score in the neighborhood of 740 or above?

“If your finances feel shaky — for example, you’re worried about job security or paying bills — it’s wise to hold off,” advises Abby Badach Doyle of NerdWallet. “If your income is steady and your budget says the numbers work, don’t let scary ‘what if’ headlines throw you off track.”

Know What You Can Buy

Before you set your sights on your dream home, do some research to answer the following questions:

• Can you increase your income, or reduce your expenses, or both?
• How much can you pay toward a down payment?
• Would you consider buying in a lesser-known area or an area further from your job?
• Are you looking for a fixer-upper, an older home, or new construction?
• Would you consider a condo or a townhome, rather than a single-family home? If so, don’t forget to factor in the HOA fees.
• Are you a veteran? If so, you might qualify for a VA loan, which has some advantages over a regular bank loan.
• Would a 15-year mortgage be more suitable than a 30-year mortgage for your situation?
• Would you consider an adjustable-rate mortgage, as opposed to the standard fixed-rate mortgage (with the commitment to refinance when the rate goes down)?
• Is a rate buydown — in which you pay up front to lower the interest rate — within your budget?

Seek Professional Help

The U.S. Department of Housing and Urban Development (HUD) works with non-profit organizations that counsel homebuyers. Check with the Consumer Financial Protection Bureau for guidance. Licensed real estate agents have expertise in local markets. Loan officers at banks and credit unions can help, as can real estate brokers licensed through the Nationwide Multistate Licensing System.

Prepare for a Worst-Case Scenario

A survey by Clever Real Estate found that nearly half of new homeowners struggled to make mortgage payments and took on additional debt because they:

• Purchased a home over their budget;
• Accepted a higher interest rate than planned;
• Compromised on their priorities, especially home prices; and
• Confronted excessive maintenance costs.

Although your basic mortgage payment will be locked in for the life of the loan, all other costs associated with buying and owning a home will increase over time. The best scenario for a homebuyer is for both interest rates and home prices to drop, but it is hard to predict when (or whether) those two factors will coincide. Experts can calculate potential trends based on past and current data, but you can’t plan to buy a house based on what the mortgage rate might be in three years.

“The truth is, the right time to buy is when it makes sense for you,” says Doyle.

Renting Your First Apartment? The Rent Isn’t the Biggest Expense

July 15, 2026

Nobody warns you that the most expensive part of renting your first apartment happens before you move in. The monthly rent may fit your budget, but that’s only the beginning. By the time you’ve paid the application fee, security deposit, utility fees, renters insurance, bought a few pieces of furniture, and stocked your kitchen and bathroom, your “affordable” apartment may have already cost several thousand dollars.

It’s no surprise that in many college communities, students now spend more on housing than on tuition. Renting your first apartment is an exciting milestone, but it’s also one of the biggest financial commitments you’ll make during college. With the median asking rent for an apartment in the United States hovering around $1,667 a month, understanding the true cost of renting can help you avoid expensive surprises and find a place that fits both your lifestyle and your budget.

Look Beyond the Monthly Rent
When comparing apartments, don’t stop at the advertised rent. Ask for a complete breakdown of what you’ll pay before move-in and every month afterward. Most first-time renters should budget for:

• Application fee
• Security deposit
• First month’s rent
• Utility or community fees
• Renters insurance
• Parking fees, if applicable
• Furniture and household essentials
• Pet fees and deposits
• Moving expenses

According to a budgeting guide from The Student Sublet, many first-time renters underestimate the cost of everyday items like cookware, shower curtains, cleaning supplies, lamps, trash cans, and basic kitchen utensils. Individually, they don’t seem expensive. Together, they can easily add hundreds—or even thousands—of dollars to your move-in costs. Monthly expenses can also be higher than expected. While many student apartment communities include internet, they often charge utility or community fees that cover other services and common-area maintenance. Before signing a lease, ask exactly what’s included in your rent and what you’ll be expected to pay separately. Some costs to watch out for include:

• Electricity: Budget $30–$80 per month
• Gas and Heating: Budget $20–$60 per month
• Water and Trash: Budget $15–$30 per month
• Parking: Budget $80-$300 per month

Build Your Budget Before You Apartment Shop
It’s easy to fall in love with an apartment that’s just a little nicer than the one you planned to rent. Instead, decide what you can comfortably afford before you begin touring properties. Rent is only one part of your monthly budget. You’ll also need money for groceries, transportation, textbooks, laundry, entertainment, and the occasional unexpected expense. According to Bola Sokunbi, founder and CEO of Clever Girl Finance, budgeting isn’t about limiting yourself—it’s about making intentional decisions. “A budget gives you permission to spend because you’ve already made a plan for your money,” says Sokunbi.

Compare the Total Cost of Living
The apartment with the lowest rent isn’t always the least expensive place to live. For example, an apartment that costs $75 more each month may actually save you money if it includes parking, in-unit laundry, or is close enough to campus that you don’t need to pay for parking permits or as much gas. On the other hand, a cheaper apartment may require a longer commute, separate utility payments, laundry fees, or higher transportation costs that quickly erase the savings. Think about your total monthly cost, not just your monthly rent.

Roommates Can Save More Than Rent
For many students, living with roommates is one of the smartest financial decisions they can make. Lauren Sonnenberg, a writer for Forbes, estimates that students who share an apartment rather than live alone can save more than $15,000 over four years. Those savings come from more than splitting the rent. Roommates often divide utility costs, household supplies, streaming services, and other shared expenses, which can quickly add up.

Sharing an apartment, however, requires more than finding someone to split the bills. Before signing a lease together, talk about expectations.

• How will bills be divided?
• Will groceries be shared?
• Who buys household supplies?
• Are overnight guests okay?
• What are the expectations for cleaning?
• What happens if someone wants to move out before the lease ends

Don’t Pay for Amenities You Won’t Use
Apartment tours are designed to impress prospective renters. Resort-style pools, rooftop lounges, game rooms, golf simulators, coffee bars, and fitness centers all look appealing. But ask yourself one simple question: Will I actually use them? If you’re spending most of your day in class, studying, or working, those amenities may not justify the higher rent. Instead, prioritize the features that will make your daily life easier:

• A safe neighborhood
• Reliable maintenance
• Laundry facilities
• Good lighting and secure entry
• A reasonable commute to campus
• Space to study without distraction

Read the Lease Carefully
Most students spend more time touring an apartment than reading the lease. Before signing, understand when rent is due, how maintenance requests are handled, whether parking is included, who pays for repairs, what happens if you break the lease early, and whether subletting is allowed. If something doesn’t make sense, ask questions before signing. A five-minute conversation today can prevent months of frustration later.

Furnish Slowly
Your first apartment doesn’t need to be fully furnished on move-in day. Start with the essentials: a bed, a desk, basic cookware, towels, cleaning supplies, and a few kitchen items. Shop at thrift stores, estate sales, or on Facebook Marketplace, or ask family members if they have furniture they’re no longer using. You can always add decorative items, additional furniture, and small conveniences over time. Buying everything at once often leads to unnecessary spending—and unnecessary debt.

Protect Yourself from Day One
Before moving in, photograph every room and document any existing damage. Keep copies of your lease, receipts, and maintenance requests. Renters insurance is one of the least expensive ways to protect your belongings if they are damaged or stolen.

Plan a Memorable Vacation Without Breaking the Bank

July 1, 2026

Most vacations end twice. The first time is when you unpack your suitcase. The second is when the credit card bill arrives. That second ending has become increasingly familiar to American families. Nearly eight in 10 Americans plan to take at least one vacation each year, yet the average one-week vacation for a family of four costs about $8,000. For many households, the desire to get away competes with rising prices, making travel feel more like a financial burden than a chance to recharge.

Fortunately, a memorable vacation doesn’t have to come with a luxury price tag. With thoughtful planning and making a few strategic choices, you can enjoy travel without spending more than you can afford.

Start with Your Budget, Not Your Destination

It’s easy to fall in love with a destination before looking at the price tag. Instead, determine how much you can comfortably spend before browsing flights or hotels. Include transportation, lodging, meals, activities, parking, souvenirs, and a small emergency cushion.

Planning ahead is one of the simplest ways to save money. According to Sally French, a travel expert at NerdWallet, travelers often underestimate everyday expenses. “People often underestimate what they spend while traveling because they only think about airfare and hotels,” says French. “Planning for meals, transportation, and unexpected expenses makes vacations far less stressful.”

Consider one of these budget-friendly destinations:

• Greenville, South Carolina
• Chattanooga, Tennessee
• Rapid City, South Dakota
• Gettysburg, Pennsylvania
• Cincinnati, Ohio
• San Antonio, Texas
• Bentonville, Arkansas
• Clearwater, Florida

MoneyLion has a list of 20 of the cheapest places to travel in the U.S. in 2026.

Be Flexible

Travel during the shoulder season when hotel rates and airfare are often lower. Flying midweek, considering nearby airports, and comparing similar destinations can all stretch your budget.

Save on the Big Expenses

Transportation and lodging usually consume the largest share of a vacation budget, but they also offer the biggest opportunities to save. Choose accommodations with a kitchenette so you can prepare breakfast or pack lunches. Compare the total cost of a hotel—including parking, resort fees, and taxes—not just the nightly rate. Eat where the locals eat instead of near major attractions, and leave a little room in your budget for unexpected experiences that often become the most memorable parts of a trip.

Look for Free Experiences

It’s easy to assume the best experiences come with the highest admission prices. Some of the best vacation memories are free. Walk through a historic downtown, visit a farmers market, hike a scenic trail, or attend a community festival. According to Pauline Frommer, editorial director of Frommer’s Travel Guides, meaningful travel isn’t defined by luxury. “Travel doesn’t have to be expensive to be meaningful. The best trips are often those that allow you to connect with a place and its people rather than simply check attractions off a list,” says Frommer.

Travel writer Rick Steves shares a similar philosophy. “The most memorable travel experiences often happen when you slow down and connect with everyday life,” says Steves.

Don’t Overlook the Staycation

If travel isn’t in the budget this year, consider taking a staycation instead. Reserve a nearby hotel, explore museums you’ve never visited, spend the day at a local park, or try restaurants that have always been on your list. The key is to treat the time as a real vacation. Put away your work email, silence notifications, and resist the temptation to catch up on household chores. Even a weekend spent exploring your own community can provide the change of pace many families need.

With a little planning, you can make your vacation memorable without making it expensive.

Planning for Yourself and Loved Ones After a Cancer Diagnosis

June 15, 2026

The National Center for Health Statistics estimates that approximately 2,114,850 new cancer cases will occur in the United States in 2026. Hearing the words, “You have cancer,” is a moment that is often met with a rush of emotions, ranging from fear to confusion. 

“The beginning is the worst because you want all of the answers. You don’t know your staging and your mind goes to a scary place,” says Emily Cheshire, a nursing professor in Colorado diagnosed with breast cancer last year. 

While no one wants to think about worst-case scenarios after receiving a cancer diagnosis, taking time to plan ahead can provide peace of mind for both you and your loved ones. 

Processing the Diagnosis 

You may experience denial as you grasp the reality of your diagnosis. This can give some people the time they need to accept it, but if denial persists, that can stop someone from confronting the condition, delaying potentially life-saving treatments. 

By keeping a notebook to write down questions, take appointment notes, and to store all of your medical records, you can begin to feel like you’re staying on top of your health. This level of organization can also help you and your loved ones see the full picture of your care plan.

Take an Account of Your Financials

One practical step is to organize important documents, including insurance policies, treatment options, medical records, medication lists, financial account information, and legal documents. The National Cancer Institute recommends discussing advance directives early and keeping important healthcare documents accessible in case you become unable to communicate your wishes. 

Cancer treatment can also create financial challenges. Beyond medical bills, families may face costs related to travel, lodging, lost wages, and caregiving. Ask your healthcare team whether your cancer center offers financial counselors, patient navigators, or assistance programs that can help you understand costs and identify available resources. 

Planning ahead also means having honest conversations with family members. Consider discussing who may help manage appointments, make healthcare decisions on your behalf if needed, and store important documents. Advance directives commonly include a living will, trust, and a healthcare power of attorney (also known as medical power of attorney or MPOA), which allows you to designate someone to make medical decisions if you cannot do so yourself. 

These conversations can be difficult, but they can also reduce uncertainty and stress for families during a challenging time. Planning ahead does not mean giving up hope. Instead, it helps ensure that your wishes are understood and allows everyone to focus more fully on treatment, quality of life, and time together. 

Emotional Toll

Just as cancer takes a toll on your physical health, the mental toll can be just as difficult. Many people experience emotions they’ve never had to deal with, which can intensify them. Feelings may also fluctuate frequently, but all of this is normal.

Some people feel that they have to be strong to protect their loved ones, but seeking support from them or other cancer survivors can be helpful. Others feel more comfortable speaking with a professional counselor or turning to their faith. “I’ve felt a lot of prayers from people, so I feel lifted and supported with that,” says Cheshire. “I don’t know if that’s what helps me have a positive attitude or if it’s the other things I do, but this is about finding beauty and something you’re grateful for while living in uncertainty.” 

For many, expressing strong emotions like anger or sadness helps them let go. And even if you prefer not to share what you’re feeling, writing down your feelings can be just as effective. It’s just important to figure out what’s going to be the right outlet for you. By focusing on what you control, you can feel more empowered. Simply staying on top of doctors’ appointments and treatment schedules helps you and your family feel like you’re doing everything in your power to heal.

Turn your focus to strengthening your coping abilities, such as finding your support system of friends and family, and prioritizing what matters most to you. Cultivate a sense of hope by taking part in activities that bring you joy or allowing yourself to be comforted by your spiritual beliefs.  

Caring for Your Family 

Give those closest to you the space to process what they’re feeling. Let them know that you want them to speak honestly with you about what they’re feeling, when they’re ready to. Open discussions will allow everyone to connect and process the information together. 

When you’re ready, ask them for the help you need, including going to doctors’ appointments and sitting through treatments with you. “My wife has been exceptional in taking on a majority of the family responsibilities,” says Kyle Stanfield, an Oregonian dad who has been battling cancer for seven years. “Knowing that you have that support at home is priceless.” 

For those who want to help out caregivers but don’t know how, just act. “Check in on them, give them a call, invite them out for a meal or to a movie to take their mind off being a caregiver,” says Stanfield. 

Insureyouknow.org

With Insureyouknow.org, you can store all of your notes, medical records, and care plans in one place, making it simple for you to stay organized. By periodically reviewing your care plan and then mentally setting it aside, you can free up your mind for everything else you want to focus on right now. 

A Second Set of Eyes: What Guide Dogs Offer the Visually Impaired

June 1, 2026

In the late 1920s, an article called “The Seeing Eye” was published. It told Americans about a successful guide dog training program for WWI soldiers in Germany. Letters poured in from readers, asking where they could find a guide dog of their own. A century later, there are an estimated 10,000 guide dog teams currently paired together in the United States alone. Guide dogs not only offer people with visual limitations greater independence but also companionship.

If you’re thinking about being paired with a guide dog, then here’s everything you need to know.

Who Qualifies?

There are several organizations that train and pair guide dogs, and they all have similar requirements. With The Guide Dogs of America, or GAD, individuals qualify for a guide dog if they are legally blind, 18 years old or over, and financially able to care for a guide dog. Applicants must also be able to walk 1-2 miles a day, or at least 30 minutes without stopping, independently or with a cane.

Training in orientation and mobility (O&M) is also required. O&M is training that helps visually impaired individuals navigate the world with confidence. It involves sensory and spatial awareness, searching skills, independent movement, and protective techniques. Every potential guide dog applicant must submit an O&M evaluation before being accepted into a training program.

What to Expect at Training

After an application is received, an instructor will reach out to the applicant for an interview. This is to get to know them and their lifestyle, so they can match individuals with the right dog.

Once individuals are accepted into the program, they are placed in the next class at the training campus. There, students will learn how to interact and work with guide dogs. Applicants are considered prospective guide dog handlers and therefore require training.

Before a guide dog is officially paired with its handler, an emotional bond must form between them. The right match is important so that they both feel safe with one another and can develop a deep level of trust.

“I wanted to expand my mobility ambitions rather than shrink them,” says Mike Brace, a paralympic skier who used a cane for many years. He was eventually paired with guide dog Izzy. “Izzy has allowed me to do more,” says Brace. “She gives me freedom of movement and independence. I can go anywhere with her and know that I will be able to find my way.”

To find a compatible training center nearby, the International Guide Dog Federation has a search-friendly database of training centers worldwide.

Benefits of Having a Guide Dog

While a guide dog’s primary purpose is to help its handler get from point A to point B, its assistance goes well beyond that. Having a guide dog brings new opportunities for social outings and interactions for its owner, resulting in greater self-confidence.

These highly trained dogs can help their owners travel safely using a skill known as obstacle avoidance. They help the handler navigate unexpected obstacles, such as a trash can or a blocked sidewalk. Another skill they use is traffic awareness, in which a dog will refuse to move forward if there is oncoming traffic. These guide dogs are so intelligent that they can disobey their handlers in certain instances, such as these, to keep them safe.

The dogs are also trained to spot essential landmarks, which are locations their handler will encounter in daily life. This means being able to go into a restaurant and quickly find the front counter and restrooms. Other landmarks include crosswalk poles with traffic buttons, benches or chairs, elevators, and exits.

For many visually impaired people, guide dogs can be a vital lifeline to more mobility and independence, but they also become family members. “You build up a very strong bond, being with it 24/7,” says John Welsman, a UK resident currently guided by a dog named Breck. “The dog is not only your mobility aid, it is your companion and communication aid.”

Guide dogs are also in a caregiving role. They learn to read unspoken signals, such as changes in posture or facial expressions, and can tell if their handler needs something. This creates a deep level of trust between them. “Assistance dogs care for humans, and humans also do their best to care for their assistance dogs,” says Suvi Satama, a professor at the University of Turku who studies the caregiving role of guide dogs. “In this way, vulnerability becomes relational, and both parties give and receive care.”

Baby Blues or Something More: What to Know About Postpartum Depression

May 15, 2026

Almost every parent experiences intense emotions when their child is born. But when these emotions persist, making it difficult for a woman to function and care for her baby, then it may be postpartum depression or PPD.

According to the Centers for Disease Control and Prevention, around 1 in 8 women develops PPD after giving birth. While the exact cause isn’t known, women experience an influx of hormones, producing nearly 10 to 100 times more estrogen and progesterone during and after pregnancy than they normally would.

May is Maternal Mental Health Awareness Month, and a time to reflect on this important issue. Sometimes when a new mom says she’s fine, that doesn’t mean she is. Many women are navigating exhaustion and overwhelm without any assistance. They feel like they should be able to handle everything, and so they hesitate to ask for help.

If you or someone you love may be experiencing postpartum depression, this is what you need to know.

Baby Blues or PPD?

Feelings of sadness are a normal part of having a child. In fact, up to 4 in 5 women experience the baby blues. Symptoms can include mood swings, bouts of crying, feeling irritated, trouble concentrating, and changes to your appetite and sleep. But if these symptoms persist past two weeks, then it may be postpartum depression.

“With baby blues, you’ll have more emotional ups and downs,” says Natalie Feldman, a psychiatrist at Mass General Brigham. “PPD involves really persistent low mood and makes daily tasks difficult.”

The early signs of postpartum depression can be feeling sad, hopeless, or overwhelmed – all of the time. A close partner or friend may notice that you’re having difficulty taking care of yourself or the baby. Other signs include fatigue, trouble eating or sleeping, withdrawing from family and friends, and having little to no interest in the baby.

If you’re experiencing these symptoms, talk to your healthcare provider as soon as possible. Postpartum depression is common, and there are successful treatment options.

If you’re not sure where to start, you can search for a provider through Postpartum Support International.

Treatment for PPD

Postpartum depression treatment may include medications, such as antidepressants, and individual or group counseling. “Experiencing emotional complications after having a baby doesn’t mean you’re a bad parent,” says Feldman. “And seeking help when you need it is the best way to care for your baby and your family.” The right treatment plan can help you feel like yourself again, so that you can show up for both yourself and your growing family.

Psychosocial support, meaning help from family and friends, is another equally important part of treatment. The lack of support systems in place for new parents can act as a contributor to postpartum depression. Factors such as inadequate parental leave and a lack of accessible mental healthcare give the message to new moms that their mental health is an afterthought.

“We see in movies that we’re supposed to be joyful and natural, and it’s supposed to just come so easily,” says Marianna Strongin, a clinical psychologist at Strong In Therapy. “But when the reality doesn’t match that narrative, it makes you feel more like a failure.” That can make it even harder for women to speak up.

How to Offer Real Support

Family members and loved ones can help new moms by offering to do household chores or helping with the baby, giving moms a chance to get some much-needed rest and time for self-care.

Support is often most effective when it’s easy to accept. That means instead of making open-ended statements, such as “Let me know if you need anything,” offer direct solutions. This could sound like, “Could I watch the baby for a bit, to give you some time for whatever you need right now?” Dropping off meals and picking up around the house are other great ways to offer direct help.

Practical support might also involve sharing with your partner what you need the most help with each day, such as making time for a shower. It doesn’t need to be complicated. Feeling supported often means knowing there are people in your corner, ready to help you if you need them.

Resources in a Crisis

• If you or someone you know is in crisis, call 911, or call or text 988. You may also go to 988lifeline.org to reach the Suicide and Crisis Hotline.

• For postpartum support, you can also reach the National Maternal Mental Health Hotline and call or text 1-833-9-HELP4MOMS or 1-833-TLC-MAMA.

• Postpartum Support International is another dedicated helpline, with resources and local support groups.

Insureyouknow.org

With Insureyouknow.org, expectant and new parents can keep all of their medical records – and the new baby’s records – in an organized place, making it an invaluable resource for growing families.

Myths vs. Reality: What a Trust Actually Does

May 1, 2026

A survey by SmartAsset shows that over 60% of Americans with estates exceeding $500,000 opt for a living trust instead of a will. A key reason is that trusts avoid probate, which can reduce delays and eliminate fees that typically range from 3% to 7% of an estate’s value.

Simply put, an estate planning trust is a structure that holds assets, such as property, cash, and investments, in the care of a trustee and directs how they are managed and distributed. A trustee oversees those assets on behalf of beneficiaries, following the terms set by the person who created the trust. “People think trusts are about wealth,” said Terry Ruhe, senior vice president at U.S. Bank. “They’re really about control—who gets what, when, and under what conditions.”

Myth: All trusts are the same
Reality: The structure determines how assets are treated, taxed, and distributed.

Trusts can vary, so choose one that best suits your beneficiaries’ needs and assets.

The revocable living trust is the most common selection because it is flexible and administratively efficient. Such trusts allow changes at any time, and you retain full control. Because you retain control over a revocable trust, the IRS treats its assets as if you still own them. Income is reported on your personal return, and assets remain part of your taxable estate. If you are looking for tax advantages, this type of trust does not offer any.

Irrevocable trusts are used for specific outcomes such as estate tax reduction or asset protection. Irrevocable trusts require giving up control of the assets placed into them. In return, they may reduce estate taxes and provide a level of protection from creditors. Irrevocable trusts can reduce estate taxes, but only when structured correctly and used in the right context. For many estates, the federal estate tax is not triggered, which makes this benefit irrelevant. “Trusts don’t eliminate taxes by default,” Ruhe said. “They have to be designed with that objective in mind.” Changing the terms of this trust at any time is a complex legal process.

A special needs trust allows a beneficiary to receive support without losing eligibility for public benefits. Charitable trusts direct assets for philanthropic purposes. Generation-skipping trusts are used to transfer wealth across multiple generations with tax considerations. “The structure should match the objective,” Ruhe said. “Not the other way around.”

Myth: Trusts are only for the wealthy
Reality: The most common trust is used for administrative efficiency rather than wealth preservation.

Even a modest estate that includes a home, a few accounts, or dependents can benefit from avoiding probate. “Trusts are not just for large estates,” Ruhe said. “They are often used to simplify administration and provide continuity.”

If you have minor children, a trust allows you to control when and how assets are distributed instead of transferring them outright at age 18. If you want someone to step in and manage finances in case of incapacity, a trust allows that transition without court involvement. If you own property in more than one state, your estate may be subject to multiple probate proceedings.

Myth: A will does the same thing
Reality: A will directs assets after death. A trust governs assets before and after.

A will must go through probate, while a trust does not. A trust can manage assets during incapacity and control how distributions are made over time. A will cannot do either without court involvement. Most plans include both documents. The trust handles the assets. The will addresses anything left outside it.

Myth: Trusts are too expensive
Reality: Costs are tied to complexity, and the alternative has its own costs.

A basic revocable trust often costs between $1,000-$4,000. More complex trusts can exceed $10,000, particularly when tax planning is involved. The comparison most people overlook is probate. Court costs, attorney fees, and delays can be significant, especially when real estate is involved. Even in simpler jurisdictions, probate still requires time and administration.

Myth: Creating trust is complicated
Reality: The process is structured. The follow-through is where problems occur.

A trust is created through drafting and signing. After that, assets must be transferred into it. This includes retitling accounts and updating property ownership. Assets left outside the trust may still go through probate, even when a trust exists. Download a checklist to see what is involved in setting up a trust.

“On its most basic level, estate planning allows anyone to have the ability to determine and communicate to the rest of the world how they want their assets to be handled upon their passing,” says Christina Rosas, a member of Bond, Schoeneck & King in Melville.

Myth: Trusts only matter after death
Reality: Much of their value shows up during life.

A trust allows for immediate management of assets if the grantor becomes incapacitated. This avoids court-appointed guardianship and allows for continuity in financial decisions.

Myth: Once it’s set up, it runs itself
Reality: A trust still requires administration.

The trustee is responsible for gathering and safeguarding assets, paying expenses, maintaining records, and making distributions in accordance with the document. They may need to oversee investments, document distributions, and, in the case of irrevocable trusts, file separate tax returns. Trusts should be reviewed every 3–5 years, or sooner if there is a major life change such as a marriage, divorce, birth, death, relocation to another state, or a significant change in assets. Laws change as well, which can affect how a trust functions. Annual check-ins include confirming that assets remain properly titled in the trust, beneficiary designations remain aligned, and the named trustee remains appropriate.

Myth: Setting up a trust is enough
Reality: A trust works only if assets are aligned with it and kept current.

If accounts, property, or beneficiary designations are not coordinated with the trust, those assets may bypass it entirely. This is one of the most common issues. Many trusts are only partially funded, which results in a mix of probate and non-probate administration.

Over time, trusts should be reviewed as assets and circumstances change. The document can be updated, but only if someone revisits it. What matters is not whether a trust exists, but whether it is aligned with the assets, structured for the right purpose, and carried through in practice.

Keep your records safe

InsureYouKnow.org is a safe place to store all the information in case you need to access it remotely – or from the comforts of your own home. The documents are password-protected and use Amazon Cloud encryption to secure each password-protected account. Your password is not known to the site. Only you or someone you share the password with can access your account.

What to Know Before Investing in a Rental Property

April 15, 2026

Even amid inflation and interest rates higher than historical norms, real estate remains a sure investment. “The Wall Street Journal recently reported that in this booming housing market, many homeowners earned more last year from home appreciation than from their jobs,” says Philip White, CEO of Sotheby’s International Realty.

Purchasing an investment property and then renting it out often provides you with more than enough money to pay the property’s mortgage. 

If you’re unsure of where to start, here’s everything you need to consider before buying a rental property.

Determine Affordability First

Before you purchase an investment home, you need to be honest about whether you have the finances to do so and the time to commit to property management. 

The first thing you’ll need to determine before investing is how much potential income it could provide. There’s a widely-accepted guideline known as the 1% Rule: the monthly rent should be 1% of the purchase price. If a home costs $200,000, then rent should be $2,000 per month.

“Run the numbers like a business. Higher prices are here to stay, so instead of waiting for prices to drop, find the properties that have cash flow,” says Nicole Rueth, founder of The Rueth Team, a mortgage lender. “They’re out there; I know because I’m helping investors find them. If it doesn’t have cash flow on paper, don’t buy it.”

Since your property may not always have renters, it’s important to make sure you can still pay that mortgage and all of your other expenses without relying on monthly rent payments. To avoid financial strain during vacancies, it’s best to have at least two months’ worth of expenses saved. 

Work With a Professional 

Realtors and professional property managers can help you with the ins and outs of investing in a specific market. “They can help connect you with an expert who can advise on local tax laws and, especially if you’re looking to invest internationally, visa programs that might be available to you,” says White.

Even if you decide to work with a real estate agent, familiarize yourself with the neighborhood you’re buying in. Drive around yourself and look for sales signs, as well as check real estate listings online. Assess proximity to good schools, review nearby commercial and recreational areas, and evaluate the area’s overall aesthetic appeal and safety.

Learn the Rules

No matter where you decide to purchase property, it’s crucial to look into the various regulations and laws that exist in each state or country. “In the city of Naples, you can rent your property for a minimum of 30 days, three times a year,” says Belz. “But if you get just outside the city of Naples, we have a number of neighborhoods without rental restrictions.” An experienced agent will know about these restrictions and can help steer you in the right direction. 

To reduce regulations and costs, look for desirable neighborhoods and homes without Homeowners Association (HOA) fees. If you have the time and resources, don’t be afraid of choosing a fixer-upper either. While a fixer-upper will have renovation costs, it can be worth it if you negotiate and save on the asking price. 

Manage Your Investment Personally

To eliminate costs on your end, you may opt to manage the property yourself. This is convenient if you live in the area and can stop by the home quickly if needed. But if you don’t live nearby or care to manage your property and tenants personally, then a property management company can help provide the services necessary to keep your investment profitable. 

Property managers can also draw on years of experience, such as recommending higher security deposits, pet deposits, and thorough background checks. “Don’t just assume self-managing saves you money,” Ruth says. “If managing tenants stresses you out, costs you time, or makes you hate investing, you’re paying a price either way.”

Find the Right Tenants 

Even if they look good on paper, screening tenants thoroughly upfront can save you time and money later. You’ll want to verify their current employer and income, contact previous landlords, and run a criminal background check. If anything concerning arises or doesn’t feel right, move on to the next applicant. Ultimately, it’s your decision who you rent to, but a bad experience with tenants can significantly damage your property and diminish your return on investment.

Even if you choose to manage your property personally, a property management company can still help with drafting rental agreements. It’s well worth the cost to have a professional make sure the lease includes everything it should. The more you establish upfront in your lease, the better experience you’ll have with your tenants in the long run. 

Presentation and Upkeep

Properties that generate the most revenue are usually those that have been recently updated. “By far the best way to maximize your return is having a really well-kept property,” Belz says. “It sounds obvious, but it’s critical.” Hiring a professional photographer for listing photos is also highly recommended. 

Investors often put little work into a property after purchase, but when tenants move out, upkeep is just as important. Between renters is the best time to plan deep cleaning, new paint, pest control, addressing deferred repairs, and other design considerations, such as bathroom remodels. 

Even with the best tenants, wear and tear will occur over time. Investors need to prepare for these in-between tenant costs, which can range from appliance upgrades to a new roof. 

Insureyouknow.org

Managing just one property can quickly become a part-time job. You can utilize Insureyouknow.org to keep track of expenses, tenant leases, maintenance schedules, and any other documents involving property management. By treating your investment like a business, property management will become second-nature, making it possible for you to invest in even more over time.