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Is Insurance Help For Seniors Available?

My budget is getting very difficult to manage, are there any programs to help with paying for my insurance? What is that and How do I get that? Answer: A program I believe is very helpful for many seniors is called the Medicare Savings Program (MSP). This is a Medicaid benefit administered by the Department of Social Services (DSS) in your county. Each year the income levels change, and this is new income information just released from the Federal Government for 2025. Often our gross income is different than our Net income. (I remember the difference with a rhyme, “Net is what you ...

Arbor Day A Good Reason To Plant Oak Trees

In 1872, a Nebraska newspaper editor and tree lover named J. Sterling Morton proposed dedicating a day to planting trees in his home state. The idea, shall we say, took root. That year, April 10 became the first organized Arbor Day, and approximately 1 million trees were planted in Nebraska. ...

The Great Green Dream Of Chatty Creek

In the cheerful town of Chatty Creek, everyone wanted the greenest lawn on the block. Families spent weekends mowing, watering, and sprinkling fertilizers like fairy dust to keep their grass thick and bright. The kids loved it - playing tag, watching cloud parades, staging backyard bug battles, and pretending the perfect carpet of grass was their enchanted kingdom. But while the grass looked great, trouble was brewing. The fertilizers started sneaking into Lilypad Lake, turning the once-sparkling water into murky green soup. Algae took over, the fish disappeared, and the kids’ ...

The Right Time To Begin Garden Clean Up

With the longer days and warmer temperatures, there is an urge to get outside and into my gardens. After a long winter, it feels good to be outside, get my hands in the dirt and work. I relish the repeated pulling of the rake and bending among the beds, clippers in hand, to tidy up old leaves ...

Getting A New Social Security Card Isn’t Hard

Question: We recently discovered that we can’t find my father’s Social Security Card. How do we get a new one? Answer: Your Social Security (SS) Card is such an important piece of paper, and yet we don’t need it that often – once you are an adult you have other forms of ID that are used, like a driver’s license or work ID. Plus many individuals have memorized their SS Number, so they just say it without having to refer to the card itself. However, there are situations where you need to have the actual card. Then when we go to look for it, in that safe place we thought we ...