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August is National Make-a-Will month. We talked to Renown Health Foundation Planned Giving Officer, Abbey Stephenson, to learn more about wills, trusts, and estate plans and why you should feel motivated this month to get started. Did you know that 2/3 of Americans don't have a will or trust? If this is you, don’t worry, you’re not alone. Although there are laws in place to determine who inherits your assets if you die without a will or trust, having a will or trust ensures your assets go where you want them to go after you are gone. They can also help minimize disputes between family members and heirs about who gets what. In Nevada, the laws that govern who gets what if you die without a will or trust can be found in Chapter 134 of the Nevada Revised Statutes. There are other documents that people often prepare at the same time as their will or trust – like an advance health care directive and durable power of attorney for assets. These documents all together are called an estate plan. Although they have other purposes too (like nominating a guardian for a child, planning for disability or avoiding probate, which is a court process), wills and trusts are documents that say who will receive your assets after you are gone. The most common type of trust is often called a revocable living trust or a family trust. People who have a trust usually still have a will, although it is a shorter form of will called a pour-over will. It’s a good idea to talk to an estate planning attorney about whether or not a trust makes sense for your family or circumstances.  Now that you’re ready to get started, here are some mistakes to avoid: 1. Failing to plan Not setting aside the time to plan may be the biggest mistake. Failing to prioritize preparing or updating your estate plan means your last wishes and desires may not be fulfilled. The right documents memorialize what you would like to happen upon your disability and death so that other people can know and follow your wishes with respect to your care and your assets.  2. Failing to coordinate beneficiary designations Certain types of assets like life insurance and retirement accounts are not covered by your will or trust and need to be addressed separately. These types of assets are referred to as non-probate assets because they transfer under contract principles and don’t require court supervision or probate to be distributed to the named beneficiaries. By completing beneficiary designation forms provided by the retirement account custodian, insurance company or financial institution, you can direct your assets to one or more beneficiaries. 3. Failing to title your assets properly Asset titling refers to how you own your asset – such as in your individual name, jointly with someone else, or in a trust or entity. For example, assets titled for two people with a “right of survivorship” will automatically go to the surviving owner. Review your asset titling and make changes, if needed, to ensure your property and assets are passed down the way you intend. 4. Failing to include charities meaningful to you In addition to providing for family members and other important people in your life, you many also choose to give to charities meaningful to you in your estate plan. When you include a charity in your estate plan, that gift is called a planned gift and many charitable organizations, including Renown, recognize such donations through their legacy giving societies. As you prepare to make your own will or a more comprehensive estate plan, we recommend you consult with a lawyer. Here are some free resources that may be helpful too:  Renown Health Foundation is proud to sponsor the Family Estate Planning Series put on by PBS Reno and the Community Foundation of Northern Nevada. The free, 8-week course of 90-minute, in-depth workshops is a great place to learn much more and to help you get started in the planning process. The next course begins on September 7, 2022. More information can be found here. Renown Health offers periodic advance health care directive workshops where attendees can learn about, complete, and sign their directive. The next workshop is scheduled for September 14th. More information can be found here. The American College of Trust and Estate Counsel provides information on a number of commonly asked estate planning questions here. If you are interested in including a charitable gift to Renown in your estate plan, we would be happy to talk to you about how your gift will make a difference for our mission. Please contact Abbey Stephenson at abbey.stephenson@renown.org or visit renown.org/LegacyGiving to learn about Renown Health Foundation’s Legacy Giving Society and ways to give.

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How can you tell if a friend is in trouble or struggling with suicidal thoughts? And how can you support them in finding help? Are you feeling virtually exhausted? Life is always challenging, but the mental fallout of a global pandemic is real. Contributing to the loneliness epidemic is the shifting American lifestyle. More Americans live alone (28%) now than ever before, and fewer have kids. First, let’s acknowledge this is a time of anxiety and worry for everyone. Economic uncertainty, job transitions, grief, and loneliness are a perfect storm for mental stress. Even before the COVID-19 (coronavirus) pandemic mental health was a concerning issue, now it is a relevant topic of crisis. Secondly, anyone can struggle with suicidal thoughts. Those suffering from drug addiction are especially vulnerable. In particular the U.S. is currently seeing a rise in drug overdoses by almost 18% due to the pandemic. Unfortunately, suicide is responsible for one U.S. death every 11 minutes, according to the Centers for Disease Control and Prevention. Not to mention the millions who think about it, make a plan or attempt it. It is important to remember that suicidal thoughts, plans or intent must be helped immediately. Understanding Suicide Risk To clarify, depression is not a choice. No one wishes for endless days of feeling down, sleepless nights, and feeling as if you are in a dark tunnel. Currently, one in five Americans will experience a mental illness this year. This means one of your friends is struggling, right now. Specifically, consider this: When your body feels pain it talks to your mind. When your mind is suffering who does it talk to? So, how can you tell if a friend is in trouble? According to the National Institute of Mental Health be on the lookout for some depression clues below. Signs and Symptoms of Depression Persistent sad, anxious, or “empty” mood Feelings of hopelessness, or pessimism Irritability Loss of interest or pleasure in hobbies and activities Decreased energy or fatigue Moving or talking more slowly Feeling restless or having trouble sitting still Difficulty concentrating, remembering, or making decisions Signs and Symptoms of Suicide Risk Expressing feelings of hopelessness or having no purpose Talking about feeling trapped or being in unbearable pain Talking about being a burden to others Increasing the use of alcohol or drugs Sleeping too little or too much Withdrawing or isolation Displaying extreme mood swings. Talking about wanting to die or to kill oneself (Reference: Suicide Awareness Voices of Education) How to Help a Suicidal Friend It can feel awkward to approach the subject of suicide with a friend, but take any of the above warning signs seriously. Other ways you can help are by: Encouraging self-care and making sure they take care of basic needs Listen to their worries without judgement Ask them what they need from you, then follow through with action Let them know they are not a burden Don’t minimize or invalidate their feelings Point them to helpful resources Be their advocate and get them help If someone you know is in a life-threatening crisis situation, call 911 immediately. Suicide Risk Resources: National Suicide Prevention 24/7 Lifeline: 1-800-273-8255 Ayuda En Español: (Spanish National Suicide Prevention Lifeline) 1-800-628-9454 Crisis Text Line: Text HOME (or CONNECT) to 741741 to chat with a crisis counselor 24/7 free of charge. The National Alliance on Mental Health: 1-800-950-6264 Substance Abuse and Mental Health Services Administration: (SAMHSA) 24/7 helpline 1-800-662-4357

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The Benefits of Being Clutter-Free Gives you a better sense of well-being. Did you know procrastination is linked to clutter? According to a recent study clutter problems led to less life satisfaction, especially among older adults. Helps you lose weight. Constantly being in cluttered room, office or car can be stressful. All the undone cleaning tasks in the back of your of mind cause stress, which is linked to obesity. Promotes mental health. Having clutter around can make you feel anxious or overwhelmed. This prevents you from truly relaxing or focusing. Saves you money. It’s not a secret that money worries cause stress. According to a Journal of Consumer Research study, you’re more likely to make a purchase when you’re sitting in a messy room compared to a tidy room. Clutter-Free Tips Start with a plan. Make a list of your clutter-improvement priorities and the tasks needed to accomplish each one. Focus on one section of your home per week, so you don’t get overwhelmed. In fact, organizational expert Peter Walsh suggests starting with the easiest room first to gain momentum. Conversely, "The Life-Changing Magic of Tidying Up" author Marie Kondo suggests organizing by category (for example clothing or books). Experiment with an organizing plan that appeals to you. There are also many helpful on-line calendars you can use as a starting point. Delegate when you can. Include your children and spouse into your plan. Is uncle Bob an electrician? Then get him to swap out your eyesore of a ceiling fan or update an old light fixture. Of course it’s ok to outsource the duties - such as window cleaning or painting - if your budget allows. Buy less. The less you purchase the less you need to store, clean, keep track of, organize or dust. Seems simple, right? Not for everyone. On average we are bombarded with over 4,000 marketing messages a day, not to mention FOMO (Fear Of Missing Out) when we see our friends posting about their newest toys on their social media feeds. Focus on quality over quantity. When in doubt, throw it out. Still on the fence about what to throw away? Use these declutter decision-making guide questions to help you. Organize Your Health Along with taking care of your surroundings, make a commitment to get up to date on your health checkup and screenings. Preventing an illness is a bargain compared to the cost of a chronic disease. It's also a good idea to go through all of your medications and check the expiration date. Remember to properly dispose of medications. DO NOT flush medications down the drain or toilet, unless the label indicates it is safe to do so.

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Some days a chat with a friend is all you need to feel better. Why? Because humans are social beings. Although we have more technology than ever at our fingertips, sometimes we may still feel left out or disconnected. Dr. Buddy Coard, Ed.D., Psychologist at the Stacie Mathewson Behavioral Health Addiction Institute at Renown, discusses the importance of social connections and tips on how to keep connecting, warning signs of loneliness and how to feel less lonely.  Why are Social Connections Important? Dr. Coard points to significant research on the topic of loneliness and social connections. He uses the findings below to detail how social connections affect our overall health. In a recent survey 40% of participants reported they sometimes or always feel that their relationships are not meaningful and that they feel isolated. Surprisingly, this survey suggests Generation Z (18-22 years old) is the loneliest generation. Another study associates loneliness as a risk factor for early death. It indicates lack of social connection heightens health risks as much as smoking 15 cigarettes a day, or having alcohol use disorder. In fact, loneliness and social isolation are twice as harmful to physical and mental health as obesity (Perspectives on Psychological Science, Vol. 10, No. 2, 2015). A 2018 study investigated several standard measures of social isolation, including marital status, frequency of religious service attendance, club meetings/group activities and number of close friends or relatives. The findings revealed race as a strong predictor of social isolation. In particular, black men and women were more likely to be lonely than were white men and women. Loneliness also switches on your body’s long-term “fight-or-flight” stress signaling system, which negatively affects your immune system. People who feel lonely have lower immunity and more inflammation than people who don’t. Dr. Coard recommends the following tips for those who feel lonely. Tips to Increase Social Connection Get outside. More and more nature prescriptions are common. In fact even a 10 minute walk can elevate your mood and get your blood flowing. Develop a schedule of activities to accomplish in a week, setting realistic goals. Monitor your technology. Of course, watching the 24/7 news cycle can be depressing. Turn off the TV and listen to music or read a book instead. Even better, use technology to connect with family members by having a virtual game night or book club discussion. Write it out. When was the last time you sent a good old-fashioned letter or card? Or even wrote in a journal? Try to brighten someone’s day with snail mail. Writing down your hopes and fears also helps you to get worries off your mind and process your emotions. With this in mind, there are also volunteer opportunities to support others by sending a handwritten letter to others battling depression. De-clutter your surroundings. Go through those old photos and put them in an album. Clean out a drawer, cupboard or closet. You will feel a sense of accomplishment and can donate items you no longer need that others can enjoy. Increase your joy by reducing your clutter. Warning Signs of Chronic Loneliness One size does not fit all when it comes to loneliness. For this reason, loneliness can be different depending on your particular situation and your unique personality. However, if you feel some (or all) of the following symptoms, chronic loneliness may be affecting you: Lack of ‘best’ or close friends. You connect with others on a surface level, but feel no one truly understands you. People are n your life, yet you are not connecting on a deep, intimate level with them. You feel lonely even when people are around. This means feeling disengaged or not part of the group when around others. You feel less than enough. You often doubt yourself or don’t feel good enough when comparing yourself to others. And social situations feel exhausting. What Can Someone Do to Feel Less Lonely? Dr. Coard offers the following suggestion for those with a lack of social connections: Talk with your doctor, psychologist or another healthcare professional. Sometimes chronic loneliness relates to longstanding negative beliefs that an individual has about themselves. Engage in behavioral activation. For example, being more active and involved in life by scheduling activities which can potentially improve your mood and decrease feelings of isolation. Initially behavioral activation can be very challenging due to lack of motivation, but setting a reasonable schedule of activities is a good start. Pay attention to your sleep. Sometimes when people become lonely they experience significant changes in their sleep cycle. Frequently they sleep too much, or too little. Make sure to maintain a normal, healthy sleep/wake cycle, following good sleep hygiene recommendations.

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