Chronic kidney disease and salt intake

Reducing salt intake provides clear benefits for the heart and kidney health of patients with chronic kidney disease. Excessive salt intake is consistently linked to increased risk of heart disease and worsening kidney function. People with chronic kidney disease (CKD) may be particularly susceptible to salt's detrimental effects due to the kidney's important role in controlling salt balance and their increased risk of dying from heart disease.

Researchers found that on average, low salt intake reduced excess extracellular fluid volume by 1 liter, lowered blood pressure by 10 /4 mm Hg, and halved protein excretion in the urine, without causing significant side effects.

If maintained long-term, this could reduce risk of progression by 30%. Otherwise, progressing to end stage renal disease will require dialysis or transplant. Additionally, research suggests that salt restriction is an inexpensive, low-risk and effective intervention for reducing cardiovascular risk and risk of worsening kidney function in people with CKD.

www.sciencedaily.com

Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com

 

Eight reasons to have final expense life insurance

Final Expense Insurance is designed to cover death related expenses, including funeral costs. Even if you already have life insurance, it is a good idea to take a separate policy to cover death related expense. Why? The reasons below explain why a separate final expense policy should be part of your estate planning.

 

The coverage you purchase is not for yourself. It is for the benefit of your beneficiary. 

 

Final Expense Insurance takes the financial burden off your loved ones during a

highly emotional time.

 

The face value goes directly to your beneficiary income tax free. This value added benefit allows you to gift money safely without having leaving a tax burden.  

 

Your beneficiary may use any funeral home you or they select. You have the option to decide to have the insurance check sent directly to your beneficiary or to the funeral home of choice.  

 

Nursing homes, hospitals, and other creditors cannot access your beneficiary's

benefits.

 

By pre-planning, you can decide and communicate how you want your final arrangements handled.   

 

A final expense policy will provide you and your family financial peace of mind.  

 

The longer you wait, the older you become the higher the premium cost. The best time to buy a policy is now. You are the youngest and healthiest you will be right now. Once you lock in your monthly premium at your current age, they are guaranteed never to increase.  

Good health,

Trisha M. Pacenti RN,BSN

www.nurseinsagent.com

Talking money with kids

Discuss your plans beyond initial retirement years 

There are financial decisions to make as you approach old age, from providing for your care to putting a power of attorney in place in case you are someday no longer able to make your own decisions. Let your kids know your plans so they can help ensure your needs are met and your interests are protected.

Continue financial discussions even when they reach adulthood

When an adult child first moves out, it can be a critical time for his or her finances. Make sure your children are handling things responsibly and not feeling overwhelmed. They may be reluctant to bring up problems themselves, but raising the topic of money casually may ease some of their hesitation.

Discuss financial basis with kids

Teach your high school age kids how to set up a budget and manage a checking account. Also talk to them about credit and the hazards of accumulating too much debt. Many kids this age are naturally cynical, so play to this by explaining how advertising is often geared toward getting people to buy first and ask questions later. 

Demonstrate smart buying

Show that you plan your purchases in advance and look for bargains, rather than buying on impulse. Witnessing that type of restraint may help your children control their own buying impulses.

Have your kids earn what they want:  teaches value 

While it's fine to treat your kids from time to time, don't get in the habit of reflexively buying whatever they ask for. Encourage your kids to set goals and agree on ways to earn what they want. This can help teach the fundamental of work, money and rewards.

Show that you take bills seriously

Even small children will pick up on how you view this responsibility. Discuss how paying bills provides a solid foundation for financial health. By using water and electricity conservatively will help minimize monthly utility cost and allow more money to "play with".

Don’t argue over money in front of the kids

You should avoid arguing in front of your children. Money is known to be one of the leading areas of tension in relationships. Instead, try to display the ways you and your spouse practice cooperation.

Lifetime gift
With tight budgets for working families and high expenses for senior care, not everyone is going to leave an inheritance to the kids. But there is one thing of value you can be sure to hand down: a good set of money skills. The federal Head Start program says that by age 5, kids have already started to observe money in action. It’s never too early to teach responsibility. 

Good health, 

Trisha M. Pacenti RN, BSN

www.nurseinsagent.com

www.kids.usa.gov › Parents › Money

How will your family pay for your final expenses?

Accidents can happen at any given moment. Cancer diagnosis are on the rise. Illness and accidents can change your life in a split second. Are you financially prepared to meet the increasing costs of health care and funeral expenses? The importance of preparing will provide peace of mind knowing there is a plan in place. Life insurance will cover the unpredictable and high expenses associated with end of life issues.

The time to buy life insurance is now. Today you are healthiest you will be. You are buying a financial plan that will provide asset protection for your family. You are providing the finances needed to pay for final expenses generated by death. The world is nothing without free will. Everything must be carefully considered when financial stability is brought into question. It is whether you are willing to take those risks and use your individual situation to your own advantage.

We all have heard the tragic stories happening to people who experienced a sudden loss of a loved one and no life insurance was in force. The survivors are left with a major financial burden and many unanswered questions. Having a suitable plan in place will help your loved ones meet current financial obligations. Life insurance provides financial protection for them. You cannot be faulted for preparation.

It is important to do your research and decide which type of life insurance is suitable for you.  Each of us has our own situation that is different from our neighbors and friends. Only you know what goes on in your household. Keep in mind, what may be best for someone else does not necessarily mean that is the best thing for you. Which is why YOUR needs must considered when purchasing a policy.

So, why have life insurance? Just a couple reasons:

Reason 1

Do you have any bills, a mortgage? This alone is a pertinent reason to have life insurance. This major bill will be paid off and not left to your survivors to deal with.

Reason 2

Young, fit and healthy? Then this is the best time to get life insurance. Your premium will be affordable and if you take out a policy that allows you to keep the same premium until the age of 65, you will have considerable savings... the earlier you start, the better. And then if you develop any health issues throughout your life, it doesn't matter, because you already have the policy in force.

Reason 3

Are you married? Do you have a domestic partner? Should you parish and leave no money behind to help cover bills, you now just placed a heavy financial burden on your loved ones. Do you want to put them through added financial stress on top of the emotional turmoil caused by your death?

Reason 4.

Peace of mind. If you develop a terminal illness, your life insurance will pay out a lump sum upon confirmation from your treating physician. You will have the money to help get your affairs in order.

Having life insurance is a small piece of the pie to make sure you and the future of your family are fully protected.

Good health,
Trisha M. Pacenti RN,BSN
http://www.nurseinsagent.com/

Failure to plan could be disasterous

Given the morbid topic of death, it not uncommon that many people die without having any estate plan in place. Death is certain. Death does not wait. It will happen. The only question is when. And no one has a definitive answer.

Yet, many people consciously refuse to speak seriously about the subject of their own mortality.  Death is just as natural as birth. Death is part of life. It is the last chapter. Science has advanced to prolong life but it has not evolved in advancement to prevent death. Since death is an event that will happen, one of the wisest decisions to make is to have a financial plan in place to cover death related expenses, left over medical expenses and help your family maintain a healthy financial status. 

People avoid conversations about death based on fear. Fear of leaving life as he/she knows it.  They put off talking about death until another day. Another day goes by, another month goes by and another year goes by and that same people who said they would talk about tomorrow still has does not have a plan in place. Keep in mind, tomorrow will be here but maybe your tomorrow will be too late.

Accidents and cardiovascular events can occur anytime and are the #1 killer of Americans.

You are the healthiest and youngest you are today. This is the time to get covered. Insurance premiums are based upon and health and age. Once you start a plan, your monthly premiums are guaranteed to remain the same for the rest of your life. Financially speaking, it makes good penny wise sense to start a policy today. Without a financial plan in place, the people you are hurting are yourself and those left behind. Simple, but painfully true. 

The reasons to pre-plan are many and reasonable. Be pro-active and give peace of mind to yourself and family. Pre-planning takes all the dizzying questions away. Ensure your final wishes are carried out. You can remove the burden from family simple by having a final expense plan in place. 

The planning process is easy and takes 30 minutes of your time. As a comparison, it takes you more time to grocery shop. You walk to your car, drive the grocery store, find a place to park, walk up to the doors, get a cart, proceed up and down the isles passing other shoppers along the way, search for your items, walk to the cashier, wait in line, unload your cart, place your items on the belt, have her scan each one, pay, place in bag, walk to your car, unload and push the shopping cart to the cart return, walk back to your car, put the key in the ignition then navigate your way through traffic in hopes you get home safely. Park and make frequent trips to and from the car and finally put your groceries away. WEW! Then do it all over again in a week or two.

Estate planning is simple and done in one easy step. Be pro-active and enroll while your the youngest and healthiest today.

Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com

Life insurance protects your family

When you are buying life insurance, make sure you know what type it is and how the policy is structured. What is the difference between term and whole life?

Term insurance ends at term. If you outlive the end of term insurance, all the premium you paid for the last 10 or 20 years is gone. It does not build cash value. You do not receive premium paid in.  It does not renew. You must go through the application process again.  This time 10 or 20 years older and at higher premium. One of the deciding factors of premium is age. The older you are the higher the premium. If you outlive your term insurance even 1 month past when the term is up, too bad. If you don't have another policy in place, then you have no life insurance to cover funeral expenses and other death related expenses. The financial burden will placed upon family members left behind.

The final expense programs Monumental Life offers are guaranteed that premium will never change and will provide funds to your survivors when they need it most as long as premiums are up to date. Monumental Life offers whole life policies. Whole life policies build cash value and outlive you. At the time of your death, the policy comes alive and provides the monies necessary to cover funeral and other death related expenses. Additionally, whole life policies offer living benefits.

Beware of programs that have a decreasing death benefit. While premiums typically remain unchanged, the amount of coverage you leave your loved ones can be drastically reduced. The final expense programs Monumental Life offers have guaranteed death benefit that will never decrease.

Beware of companies that have association fees. They will market guaranteed premium programs disguised with other fees. The life insurance premium rate is guaranteed but the association fees can increase at the company's discretion. The final expense programs offered by Monumental Life have no association fees. Therefore, the rates will never increase.

Does your current life insurance cover you for both accident and illness? If your death is caused by illness and your life insurance is accident only, your family will not collect the death benefit from that policy.

Monumental Life offers programs that cover both accident and illness. There is no waiting period and coverage begins after the first month's premium is collected. Death does not wait until you are ready. Be prepared and be completely covered. The application process is quick and easy. You are at your healthiest and youngest you will ever be. Now is the time to start the application process and financially protect your loved ones. 

Please visit www.monlife  to learn more about our company.

Trisha M. Pacenti RN,BSN
www.nurseinsangent.com

What does life insurance do? Simply put: provide peace of mind

You and I have similar purposes in the world. It is your job to provide food and shelter for your loved ones. Out of your hard earned money, will come the cost of my upkeep. A small price to pay to keep me alive. You may think I am worthless or a joke to you, but someday, you and I will trade places. When you are no longer alive, I will step up and become the provider to your loved ones.

Through me, your hard work will carry on. If ever you think I am a monthly cost burden, think of the financial protection I will provide for your family when you are no longer here on earth. When your income stops, I will take over. When your income stops, your family will be financially protected through me. Your family will thank you over again for having me in place.

Life does not wait for convenience.  Be prepared and make me part of your family.

Respectfully,
Your life insurance policy

Trisha M. Pacenti RN,BSN
www.nurseinsagent.com