Nominations Sought For Fall Neighborlies

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NORTH ADAMS, Mass. — The Northern Berkshire Community Coalition is accepting nominations for the Fall Neighborlies, a community recognition award night. The Neighborlies will be held on Wednesday, Oct. 24, at 5 p.m. at the Congregation Beth Israel Synagogue, located at 53 Lois St.
 
The nbCC's Northern Berkshire Neighbors welcomes residents to consider people of all ages who performed acts of kindness or made a positive difference in their lives, in their neighborhoods or in their community. Anyone may nominate individuals or groups in one or more of the following categories: neighborly acts, young people taking the lead, business/agency support, or groups pulling together on a project.
 
You may nominate a person or group through the nbCC website. Applications can also be picked up and mailed to the Northern Berkshire Community Coalition Office at 61 Main St., Suite 218, North Adams, MA, 01247. Nominations can also be called in to 413-663-7588 or emailed to arodgers@nbccoalition.org. Send the name(s), address and phone and email of those nominated and those making the nomination, indication of the category and a brief description of the reason. 
 
Each nominee will receive an invitation to the event, where Mayor Richard Alcombright and Coalition staff will present certificates of appreciation. This is a great way to thank individuals who help make a positive difference and honor the ordinary acts of kindness and cooperation that happen every day in our communities. Nominations will be accepted through Octo. 15. 
 
For more information, call the Coalition at 413-663-7588.
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Prepare yourself financially for illness just in case

Submitted by Edward Jones
All of us hope to live long, healthy lives, so we do what we can to take care of ourselves through proper diet, exercise and avoiding unhealthy activities. However, none of us can predict our future, so it pays to be prepared for anything – including a serious physical illness or the onset of some type of mental incapacity, such as Alzheimer's disease.
 
Of course, you may never face these infirmities, but you should be aware that they could upset your long-term financial strategy and place considerable stress on your loved ones. What steps can you take to head off these threats?
 
First, make sure you know what your health insurance covers and how much you might have to pay out of pocket for treatment of illnesses such as cancer or kidney ailments. If you're on Medicare (supplemented with Medigap) or Medicare Advantage (Medicare Part C), you'll want to know all about deductibles, copayments and coinsurance. However, if Alzheimer's or another type of dementia is involved, Medicare may not cover the costs that could be incurred in an assisted living facility, so you may want to consult with a financial advisor, who can suggest ways of protecting yourself from long-term care costs, which can be quite high.
 
Your next move is to make sure you have adequate liquidity. It's hard to predict how many out-of-pocket costs you could incur when coping with a serious illness, but it's a good idea to have enough cash readily available, rather than dipping into your 401(k) or other retirement accounts. So, if you're retired, you might want to keep up to a year's worth of living expenses in a liquid, low-risk account.
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