Autumn Years Summer 2023

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22 FINANCIAL PLANNING 22 Power of Attorney: What You Need to Know By Nicholas Stratton These legal documents can grant broad authority to one or more agents to transact business or make medical decisions on your behalf; learn more about them 24 Inheriting Debt from a Family Member By Timothy M. Duncan, JD, AIF® To help avoid the stress of dealing with a departed loved one’s debts it makes good financial sense to understand these matters ahead of time 26 How to Organize and Store Your Life Insurance Records By Dan Gallagher Understanding what information should be kept and where will help safeguard your records and enable your beneficiaries to easily access them 28 Belling the Cat Using Research to Time the Stock Markets By Dan Crimmins Here’s a lesson using Aesop’s fable to show the study of financial research to time the stock market is good in theory but not easily applied in practice 60 TECHNOLOGY TRENDS 60 Getting Ready to Travel? Some Tech Wares to Take Along A collection of tech gadgets designed to help make your travels a little easier and in some cases more fun Here’s a fun treasure hunting app that could lead to new experiences in your own neck of the woods or elsewhere 64 BEST BETS 64 World Heritage Sites on Your Bucket List? Why Not Start with a Few Homegrown Sites There are 1,157 World Heritage Sites; here is a sampling of a few in the United States 62 What’s Up with Apps By Luke Yeagley

6 IN MY WORDS Sharing Our Lifelong Love of Travel By Robert Penna 9 COUNTY CALENDAR A selection of activities available in Bergen County and its neighbors 12 HEALTH & WELFARE 12 Food for Thought

If You Are Feeling the Summer Heat, It’s Time to Hydrate! By Stephanie Sass, MS RD

Here’s some guidance on how you can gauge your hydration status and what you can do to help ensure it is appropriate

14 Fit for Life Move It or Lose It! By Roger Anthony

Nothing precipitates aging more than inactivity so the message is to get out and move; that’s coupled with some specifics on how to do it in less taxing and more enjoyable ways

16 Lifestyle Medicine A Prescription for Good Health By Robin Frank

Learn about programs designed to develop and maintain healthy lifestyle choices for lasting change by providing people with the information, support and tools needed to accomplish this goal 18 Avoiding Heat-related Illnesses This Summer By Dan Gallagher When left untreated, the symptoms of heat exhaustion can turn into life-threatening heat stroke; here are some preventive measures and what to do if you suspect heat stroke

20 Protecting Yourself from Insect and Animal-related Injuries By Kimberly Blaker

Be aware of injuries animals and insects can inflict on humans (especially in the warmer months), how to avoid them and the safest way to respond should you encounter them

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AUTUMN YEARS I SUMMER 2023