![]() Hello. My name is Shannon Ming and I have been a licensed insurance agent since 2013. I started out selling Health Insurance, then expanded to Property and Casualty, hated it, and returned to health insurance. I really missed helping people with such an important product that can have such a profound impact in their lives. Through these changes in my career, I learned what I do, and don’t like. I also learned that my husband has the patience of JOB. If I had not taken the path above, to leave health insurance and then go into something I did not enjoy, I wouldn’t have realized that my passion has always been educating and protecting people. I just needed to find the right niche. About a year and a half ago, I became a Licensed Certified Medicare Insurance Agent and began focusing on health insurance benefits for seniors. I started out selling Medicare and ancillary products like hospital indemnity, vision, and dental insurance over the phone in several states. I then launched Senior Benefits Advisors to focus on educating and protecting seniors right here in my own community. But, I promise this is not going to be a boring story about insurance! This is a story about personal growth, friendship, and…..a cat. Really. A cat! I don’t think it is a mistake that the word assumption starts with the word ASS. Seriously, you don’t know what you don’t know. Fate, and a cat, has taught me important lessons. It has brought me to a specific niche in my business, and to getting to know my neighbor, my new friend. A friend who has changed me, and the course of my life. She doesn’t even know that yet. About 6 years ago, a family moved in right next door to us. When I would drive by their house, I would wave to the lady who lived there. She did not wave back. In fact, she would look right at me, turn around, and walk into her open garage. I kept waving anyway. For a while. One time I distinctly remember waving and thinking she may have smiled, but then she put her hand to her mouth, turned, and walked away. It was at that point that I decided my neighbor was not a friendly person. I quit waving. Somewhere around May of 2019, a very friendly tuxedo male kitten, we guessed to be around six months old, started showing up. He came over every single day. By the summer of 2020, he was here from about 6 in the morning until right after we fed him dinner. We have a glider outside that sits right in the sun. Rocky would sun himself there all day. I would go out and spend time with him every single day, because I work from home. It became a welcomed routine. At first, we didn’t know who he belonged to. My husband learned that he belonged to the neighbor, the unfriendly one, about 3 months after he started coming over. My husband named him Rocky, which I thought was funny because he was not neutered, and I have a warped sense of humor! Before we knew who he belonged to, we had bought him his own bowl and his own food. We even bought a little bed for him, and when the weather was bad, he would come in until the weather cleared. Rocky would show up early in the morning, then take off right after we fed him “kitty crack.” (the canned cat food he really liked.) He had the dry food and water during the day. I remember the last day we saw “Rocky.” It was a Sunday. September 27 th , 2020, to be exact. He was over earlier lying in the sun. We would feed our dogs, our son’s cat who we are watching for 2 weeks (it’s been 13 months now) and Rocky, at 5:00 pm every day. As usual, he ate, and took off for home before it got dark. Rocky was quite the character. He was very chatty. The distance between our homes is quite spread out. We have a half-acre property, so the sidewalk between our two homes, is a bit of a walk. We could hear Rocky walking from his house to ours and up the long driveway to our front porch. He walked with such a purpose, talking all the way! After September 27th , we were not seeing Rocky anymore. Monday came. No Rocky. Tuesday came, no Rocky. My routine was all messed up. No mid-day breaks to sit in the sun and pet Rocky. No animated talking face in the screen door at 4:45pm. My husband’s routine was all messed up, too. Rocky loved the outdoors. So does my husband. The two of them would spend hours in the backyard gardening. Where he went, Rocky went. Watching them from the kitchen window was heartwarming. We lost our Himalayan “Bella”, after 12 1/2 years of companionship, in March of 2019. Rocky helped ease the pain of losing her, and he showed up just a couple months after her passing. Bella and my husband spent a lot of time in the yard together. The following Sunday, after no Rocky, I headed down the driveway to the neighbor’s house. The lady was outside. I had never chatted with her face to face before. I asked if she had seen her cat because he used to hang out at our house during the day, but we hadn’t seen him in a week. She said she hadn’t seen him since the Sunday before either. She also said she had seen a very large owl on Monday evening on our street. My husband had seen a fox while driving to work that week as well. It wasn’t looking good. My neighbor, let’s call her Dawn, because each Dawn is a new beginning, asked me if I could help her put up flyers to see if anyone had found him. Our hope was that someone found him and ASSumed he didn’t have a home and took him in. We laughed about that, because Rocky was an outdoor cat. He would drive anyone who tried to keep him indoors absolutely bonkers. But we still hoped that was the case. Luckily, I had pictures of “Rocky.” Really good pictures. Dawn came over, we picked a couple pictures, and made several flyers to put up around the neighborhood. I also posted in Next Door, the Humane Society, and several other places. Sadly, we never found him. but all three of us, Dawn, myself, and my husband, have “seen” him. He came to say goodbye in our dreams. I still think I hear him sometimes. The first time Dawn came over, she saw my Senior Benefits Advisors showing that I help people with Medicare and more, on my table. She asked me if I could help her with hers. I set an appointment with her to meet the next day and learn about her situation. I would never have approached her to review Medicare with her as she is obviously not 65 years of age. Dawn came over the next day and we sat at the kitchen table, getting to know each other. It turns out she is not unfriendly. At all. She is on a very fixed income and can not afford glasses. She never saw me wave at her. I learned that she has a habit of putting her hand to her face when she smiles because, due to a chronic health condition, she has no teeth. She told me she is embarrassed about not having teeth and has created this habit to hide this fact. I also learned that she is on Medicare because of chronic health conditions she was born with. In fact, there are many people under the age of 65 on Medicare. Many of these people also have Medicaid as they are unable to work due to their health conditions.They live on very fixed incomes and often have excessive medical bills, or, like Dawn, they go without. Because Dawn has both Medicare and Medicaid, she is what we call in the insurance world, Dual Eligible. There are special plans developed by insurance companies to help this population. These plans are called Dual Eligible Special Needs Plans. (D-SNP for short) Dual Eligible Special Needs Plans have extra benefits built into them. Life changing extra benefits. When I say extra, I mean more that original Medicare and Medicaid offers. Before I became a certified Medicare Broker, I would have thought that people would automatically know there are extra benefits, and more options available to them. Maybe someone who helps them get on Medicare would ask if they have Medicaid and tell them they may qualify for extra benefits. They do not. That’s not their job, it’s mine. There are four different levels of Medicaid eligibility, based on income levels. Each D-SNP plan accepts different eligibility categories. There are also two categories of dual eligible beneficiaries; partial-benefit, and full-benefit, and four levels of Medicaid based on your income levels. Your Certified Medicare Insurance Agent can help you find out what level you are, and if you qualify for a D-SNP in your area. A great reference to learn more about Dual Special Needs Plans is from the National Contracting Center and can be found here: https://nccagent.com/resources/guides/dsnp-guide/. It’s a guide for agents, but I find it is very informative for consumers as well. Dawn’s level is a Full-Benefit Dual Eligible Beneficiary. (FBDE) Meaning she is eligible for the Dual Special Needs Plan at no cost to her. The extra benefits of each plan vary, but may include some, all, benefits not listed here, or a combination of the following benefits: * Dental coverage with an annual benefit amount for covered services such as cleanings, fillings, crowns, extractions, root canals, and dentures. * Routine vision care with an annual amount for glasses and/or contacts. * Routine hearing coverage with an allowance toward hearing aids. * Over the counter benefits- an allowance per year on a debit card to choose over the counter products from a catalogue. Products shipped direct to you. * Gym membership. * Routine Transportation. * Healthy Food Allowance- an allowance on a debit card to buy healthy food. * A Medicare Care Coordinator. * Expanded networks. * Prescription benefit with Low-Income Subsidy (LIS) Program. Also known as extra help. While getting to know Dawn, I learned that her doctor wanted her to swim to help with pain she endures due to her health condition. We have also shared meals together and I learned that there are several healthy foods she simply can’t eat. I learned that she often can’t even get to her doctor’s appointments because she doesn’t have gas money to get there. After confirming that she did in fact qualify for the Dual special Needs Plan at Full Benefits, she learned that she will be able to get transportation to appointments if needed. She will get a gym membership where she can swim to alleviate pain as her doctor recommends, and most important to her right now, she will be able to get dentures. When my husband came home from work, he found me sitting with our neighbor, both of us crying. In part because we talked about Rocky coming to tell us he is fine, and partly because we know that she will soon be getting the health care she needs but could not afford. And teeth. I was able to enroll Dawn in the D-SNP plan with a start date of January 1. She already has an appointment with a dentist in January. I see a change in her already. She is excited. She has hope. Her life will change when she gets dentures. She will have more confidence, and better health due to being able to eat healthy foods she could not eat before. Also, swimming is going to help her alleviate pain, and live a happier, healthier life. I know she will use this gym benefit. She is so grateful that we had this “chance” encounter. Because of a cat. Our “Rocky.” Since helping Dawn, I keep finding myself in situations where people need my help. I was at a physical therapy appointment a couple weeks ago, and when I left, I found that my transmission was shot. I was able to get help from the staff getting “Lucy” into a parking spot. A gal I was chatting with while working out, turned out to be good friends with a good friend of mine. She offered to give me a ride home. I mentioned when leaving her truck that if she knew anyone who needed help with Medicare, I would be happy to help them as Open Enrollment is ending soon. She said, “Me.” I need help! Seriously, she is no where near Medicare age. It turns out that she has a chronic health condition. Her health condition is very rare, and she has been dealt many challenges. One of the side effects of her condition is hearing loss. She qualified for the D-SNP at the Full Benefit Level and will now be getting hearing aids. She is beyond excited. What a blessing. Before learning about this population, people on both Medicare and Medicaid (Dual Eligible), and the existence of Special Plans that can help them get life changing extra benefits they may not be aware of, I had been searching for meaning in my life. Asking the question “What is my purpose?” It seems that God, the universe, fate, or whatever you call that force that leads us to circumstances and “chance” meetings, is working in my life. I am committed to finding people who qualify for, and need the products and services offered by the Dual Special Needs Plan. If you or someone you know has both Medicare and Medicaid, and you would like to find out if you qualify for a D-SNP, you can reach out to me in any of the following ways: Shannon Ming- Senior Benefits Advisors shannon@seniorbenefitsadvisors.pro Business Phone- 719-315-5588 Book An Appointment Through Facebook- https://www.facebook.com/shannonmckeonming (Click on Book Now. Or, you can reach me through the Colorado Springs Over 50 page online: https://mms.coloradospringsover50.com/csoo/mem_SeniorBenefits (fill out the contact me form.) In closing, I want to thank “Rocky” for bringing me to “Dawn” who taught me that you don’t know someone until you take the time to get to know them, for becoming my friend, and for sharing “Rocky” with us.
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This is such a good depiction of the Expectations vs. Realities of Winter and what really happens in life. Don’t we all have great expectations of how things should be? And, then reality sets in but, hopefully, we can laugh and move on! Can you identify with any of these? The Expectations vs. Realities of Winter
Have a Merry Christmas and a Happy New Year! Enjoy this beautiful rendition of Carol of the Bells and Christmas Light Show! Interesting facts about Christmas:
Christmas Day is celebrated as a major festival and public holiday in countries around the world. This includes many whose populations are mostly non-Christian. For Christians, participating in a religious service plays an important part in the recognition of the season. Christmas, along with Easter, is the period of highest annual church attendance. The practice of putting up special decorations at Christmas has a long history. The modern Christmas tree tradition is believed to have begun in Germany in the 18th century. Since the 19th century, the poinsettia, a native plant from Mexico, has been associated with Christmas. Traditionally, Christmas carols have often been based on medieval chord patterns. This is what gives them their uniquely characteristic musical sound. Christmas carols such as, “Good King Wenceslas” and “The Holly and the Ivy” can be traced directly back to the Middle Ages. Are you Ready? Santa Claus is coming to town. You can track him coming into your city! NORAD Deploys their NORAD Santa Tracker! NORAD will be tracking Santa (like they do every year) so get on board and watch when and where Santa Claus arrives in various parts of the world. Go to the NORAD Santa Tracker web page and watch Santa in real time: http://www.noradsanta.org Background info… The NORAD Tracks Santa program began as an annual event on December 24, 1955. According to legend, a Sears department store placed an advertisement in a Colorado Springs, Colorado, newspaper which told children that they could place a call to Santa Claus. It included the number ME 2-6681. A call allegedly came through to Colorado Springs’ Continental Air Defense Command (CONAD) Center as one digit was misprinted. In some versions of the story, the calls were coming in to the “red telephone” hotline that connected CONAD directly to command authorities at the Strategic Air Command. Colonel Harry Shoup, who was a Crew Commander on duty, answered the first call and supposedly told his staff to give all children who called in later a “current location” for Santa Claus. NORAD Santa Tracker, it’s Fun! Merry Christmas! ![]() Hello. My name is Shannon Ming and I have been a licensed insurance agent since 2013. I started out selling Health Insurance, then expanded to Property and Casualty, hated it, and returned to health insurance. I really missed helping people with such an important product that can have such a profound impact in their lives. Through these changes in my career, I learned what I do, and don’t like. I also learned that my husband has the patience of JOB. If I had not taken the path above, to leave health insurance and then go into something I did not enjoy, I wouldn’t have realized that my passion has always been educating and protecting people. I just needed to find the right niche. About a year and a half ago, I became a Licensed Certified Medicare Insurance Agent and began focusing on health insurance benefits for seniors. I started out selling Medicare and ancillary products like hospital indemnity, vision, and dental insurance over the phone in several states. I then launched Senior Benefits Advisors to focus on educating and protecting seniors right here in my own community. But, I promise this is not going to be a boring story about insurance! This is a story about personal growth, friendship, and…..a cat. Really. A cat! I don’t think it is a mistake that the word assumption starts with the word ASS. Seriously, you don’t know what you don’t know. Fate, and a cat, has taught me important lessons. It has brought me to a specific niche in my business, and to getting to know my neighbor, my new friend. A friend who has changed me, and the course of my life. She doesn’t even know that yet. About 6 years ago, a family moved in right next door to us. When I would drive by their house, I would wave to the lady who lived there. She did not wave back. In fact, she would look right at me, turn around, and walk into her open garage. I kept waving anyway. For a while. One time I distinctly remember waving and thinking she may have smiled, but then she put her hand to her mouth, turned, and walked away. It was at that point that I decided my neighbor was not a friendly person. I quit waving. Somewhere around May of 2019, a very friendly tuxedo male kitten, we guessed to be around six months old, started showing up. He came over every single day. By the summer of 2020, he was here from about 6 in the morning until right after we fed him dinner. We have a glider outside that sits right in the sun. Rocky would sun himself there all day. I would go out and spend time with him every single day, because I work from home. It became a welcomed routine. At first, we didn’t know who he belonged to. My husband learned that he belonged to the neighbor, the unfriendly one, about 3 months after he started coming over. My husband named him Rocky, which I thought was funny because he was not neutered, and I have a warped sense of humor! Before we knew who he belonged to, we had bought him his own bowl and his own food. We even bought a little bed for him, and when the weather was bad, he would come in until the weather cleared. Rocky would show up early in the morning, then take off right after we fed him “kitty crack.” (the canned cat food he really liked.) He had the dry food and water during the day. I remember the last day we saw “Rocky.” It was a Sunday. September 27th, 2020, to be exact. He was over earlier lying in the sun. We would feed our dogs, our son’s cat who we are watching for 2 weeks (it’s been 13 months now) and Rocky, at 5:00 pm every day. As usual, he ate, and took off for home before it got dark. Rocky was quite the character. He was very chatty. The distance between our homes is quite spread out. We have a half-acre property, so the sidewalk between our two homes, is a bit of a walk. We could hear Rocky walking from his house to ours and up the long driveway to our front porch. He walked with such a purpose, talking all the way! After September 27th, we were not seeing Rocky anymore. Monday came. No Rocky Tuesday came, no Rocky. My routine was all messed up. No mid-day breaks to sit in the sun and pet Rocky. No animated talking face in the screen door at 4:45pm. My husband’s routine was all messed up too. Rocky loved the outdoors. So does my husband. The two of them would spend hours in the backyard gardening. Where he went, Rocky went. Watching them from the kitchen window was heartwarming. We lost our Himalayan “Bella”, after 12 1/2 years of companionship, in March of 2019. Rocky helped ease the pain of losing her, and he showed up just a couple months after her passing. Bella and my husband spent a lot of time in the yard together. The following Sunday, after no Rocky, I headed down the driveway to the neighbor’s house. The lady was outside. I had never chatted with her face to face before. I asked if she had seen her cat because he used to hang out at our house during the day, but we hadn’t seen him in a week. She said she hadn’t seen him since the Sunday before either. She also said she had seen a very large owl on Monday evening on our street. My husband had seen a fox while driving to work that week as well. It wasn’t looking good. My neighbor, let’s call her Dawn, because each Dawn is a new beginning, asked me if I could help her put up flyers to see if anyone had found him. Our hope was that someone found him and ASSumed he didn’t have a home and took him in. We laughed about that, because Rocky was an outdoor cat. He would drive anyone who tried to keep him indoors absolutely bonkers. But we still hoped that was the case. Luckily, I had pictures of “Rocky.” Really good pictures. Dawn came over, we picked a couple pictures, and made several flyers to put up around the neighborhood. I also posted in Next Door, the Humane Society, and several other places. Sadly, we never found him. but all three of us, Dawn, myself, and my husband, have “seen” him. He came to say goodbye in our dreams. I still think I hear him sometimes. The first time Dawn came over, she saw my Senior Benefits Advisors showing that I help people with Medicare and more, on my table. She asked me if I could help her with hers. I set an appointment with her to meet the next day and learn about her situation. I would never have approached her to review Medicare with her as she is obviously not 65 years of age. Dawn came over the next day and we sat at the kitchen table, getting to know each other. It turns out she is not unfriendly. At all. She is on a very fixed income and can not afford glasses. She never saw me wave at her. I learned that she has a habit of putting her hand to her face when she smiles because, due to a chronic health condition, she has no teeth. She told me she is embarrassed about not having teeth and has created this habit to hide this fact. I also learned that she is on Medicare because of chronic health conditions she was born with. In fact, there are many people under the age of 65 on Medicare. Many of these people also have Medicaid as they are unable to work due to their health conditions. They live on very fixed incomes and often have excessive medical bills, or, like Dawn, they go without. Because Dawn has both Medicare and Medicaid, she is what we call in the insurance world, Dual Eligible. There are special plans developed by insurance companies to help this population. These plans are called Dual Eligible Special Needs Plans. (D-SNP for short) Dual Eligible Special Needs Plans have extra benefits built into them. Life changing extra benefits. When I say extra, I mean more that original Medicare and Medicaid offers. Before I became a certified Medicare Broker, I would have thought that people would automatically know there are extra benefits, and more options available to them. Maybe someone who helps them get on Medicare would ask if they have Medicaid and tell them they may qualify for extra benefits. They do not. That’s not their job, it’s mine. There are four different levels of Medicaid eligibility, based on income levels. Each D-SNP plan accepts different eligibility categories. There are also two categories of dual eligible beneficiaries; partial-benefit, and full-benefit, and four levels of Medicaid based on your income levels. Your Certified Medicare Insurance Agent can help you find out what level you are, and if you qualify for a D-SNP in your area. A great reference to learn more about Dual Special Needs Plans is from the National Contracting Center and can be found here: https://nccagent.com/resources/guides/dsnp-guide/. It’s a guide for agents, but I find it is very informative for consumers as well. Dawn’s level is a Full-Benefit Dual Eligible Beneficiary. (FBDE) Meaning she is eligible for the Dual Special Needs Plan at no cost to her. The extra benefits of each plan vary, but may include some, all, benefits not listed here, or a combination of the following benefits:
While getting to know Dawn, I learned that her doctor wanted her to swim to help with pain she endures due to her health condition. We have also shared meals together and I learned that there are several healthy foods she simply can’t eat. I learned that she often can’t even get to her doctor’s appointments because she doesn’t have gas money to get there. After confirming that she did in fact qualify for the Dual special Needs Plan at Full Benefits, she learned that she will be able to get transportation to appointments if needed. She will get a gym membership where she can swim to alleviate pain as her doctor recommends, and most important to her right now, she will be able to get dentures. When my husband came home from work, he found me sitting with our neighbor, both of us crying. In part because we talked about Rocky coming to tell us he is fine, and partly because we know that she will soon be getting the health care she needs but could not afford. And teeth. I was able to enroll Dawn in the D-SNP plan with a start date of January 1. She already has an appointment with a dentist in January. I see a change in her already. She is excited. She has hope. Her life will change when she gets dentures. She will have more confidence, and better health due to being able to eat healthy foods she could not eat before. Also, swimming is going to help her alleviate pain, and live a happier, healthier life. I know she will use this gym benefit. She is so grateful that we had this “chance” encounter. Because of a cat. Our “Rocky.” Since helping Dawn, I keep finding myself in situations where people need my help. I was at a physical therapy appointment a couple weeks ago, and when I left, I found that my transmission was shot. I was able to get help from the staff getting “Lucy” into a parking spot. A gal I was chatting with while working out, turned out to be good friends with a good friend of mine. She offered to give me a ride home. I mentioned when leaving her truck that if she knew anyone who needed help with Medicare, I would be happy to help them as Open Enrollment is ending soon. She said, “Me.” I need help! Seriously, she is no where near Medicare age. It turns out that she has a chronic health condition. Her health condition is very rare, and she has been dealt many challenges. One of the side effects of her condition is hearing loss. She qualified for the D-SNP at the Full Benefit Level and will now be getting hearing aids. She is beyond excited. What a blessing. Before learning about this population, people on both Medicare and Medicaid (Dual Eligible), and the existence of Special Plans that can help them get life changing extra benefits they may not be aware of, I had been searching for meaning in my life. Asking the question “What is my purpose?” It seems that God, the universe, fate, or whatever you call that force that leads us to circumstances and “chance” meetings, is working in my life. I am committed to finding people who qualify for, and need the products and services offered by the Dual Special Needs Plan. If you or someone you know has both Medicare and Medicaid, and you would like to find out if you qualify for a D-SNP, you can reach out to me in any of the following ways: Shannon Ming- Senior Benefits Advisors shannon@seniorbenefitsadvisors.pro Business Phone- 719-315-5588 Book An Appointment Through Facebook- https://www.facebook.com/shannonmckeonming (Click on Book Now.) Or, you can reach me through the Colorado Springs Over 50 page online: https://mms.coloradospringsover50.com/csoo/mem_SeniorBenefits (fill out the contact me form.) In closing, I want to thank “Dawn” for teaching me that you don’t know someone until you take the time to get to know them, for becoming my friend, and for sharing “Rocky” with us. ![]() Most people enjoy the holidays, because it’s generally a festive and fun time of the year! It’s also one of the busiest! There are lots of parties to attend, social events to plan, family get-togethers, shopping to be done, and cookies to be baked. Add seasonal weather to the mix, finances, cold and flu season and a super long “to-do” list and this time of year can also take a big toll on our health. With all the fun and celebrating it’s easy to forget ourselves sometimes, but it’s so important to remember to take good care of yourself and remain heart healthy during these stressful and busy weeks! Here are some easy tips to lessen the stress, strengthen your heart and be heart healthy this holiday season. 1. Don’t sweat the small stuff (or the big stuff) No doubt, all of us have long to-do lists this time of year. Sometimes you can plan way ahead and still not have things work out like you planned. It’s ok! Learn to be gentle on yourself, and when things get overwhelming, force yourself to simplify. Scale back your to-do list. Delegate some errands to your partner, children or friends. Space out your shopping and baking, and don’t overbook your schedule with events and social gatherings. Take deliberate time out of your day to relax and regroup. Force yourself to take a nap! What’s important is that you aren’t stressing yourself out needlessly. Sometimes we have to remind ourselves that less is more! 2. Sneak in some exercise Just because you’re “busy” doesn’t mean you’re staying active. Sometimes the cold weather keeps us from our regular exercise routines, and the stress of the holidays can also cause us to overeat and hibernate on the couch a little too long! Park a little farther when you’re out shopping to add some steps to your day. Walk around the mall a little longer than you have to. Dance in the kitchen to Christmas songs on the radio while doing the dishes. Stressful day? Pull out the yoga mat and do some deep breathing and stretching in the evening. Just be sure that you are mindful about moving your body through the Winter months. Your heart will thank you! 3. Be wise about portion control We are literally surrounded this time of year by rich food and alcohol. Sometimes it’s easy to justify a little gluttony when you’re “celebrating”, but when you’ve been celebrating for 2 months, you can come out the other side 15 pounds heavier and with a higher cholesterol count if you’re not careful! Treating yourself is ok, but always make sure the bulk of your calories are coming from real, unprocessed foods. Fill up on the healthy stuff first, and you’ll feel less inclined to eat a sample of every dessert. 4. Make sure you’re getting enough rest Insomnia and sleepless nights can take their toll on our bodies when we constantly have lists of things we need to do going through our brains. Sometimes it feels impossible to shut it off. One good tip is writing down everything you need to do the next day. If you have it on paper, sometimes it’s easier for the brain to let it go. Take time to relax each evening with a good book, a warm bath or a warm drink. Try to stay away from electronics in the late evening, and make sure you’re room isn’t too warm. These are helpful for a good night’s sleep. No matter how busy you are, always aim for 7-8 hours of sleep each night. A well rested body is a healthy body and helps keep the heart healthy! According to Dr. Mercola, there are definitely consequences of not getting enough sleep! 5. A joyful heart is a happy heart There’s a lot to be said about having a positive outlook and being of good cheer. Not only can a good attitude benefit those around us, but it can keep our blood pressure from rising and keep stress away too! There’s a direct correlation between mental and physical health, so keep your mind positive. Look for ways to serve others, and look for the good in every situation and your whole body will thank you! Stay heart healthy and ‘heart happy’ during the holidays!
You will ‘wow’ your guests with this wonderful Cheese Christmas Tree. It’s easy to make and is festive as well. It is made with different flavored cheese cubes. For those limiting their fat intake, look for reduced-fat cheese, such as cheddars and light pepper Jack, which are as delicious as the regular cheddars. Plus, you can make omelets or fondue with any leftovers! Ingredients •5 eight-ounce bars of different cheddars, plain and flavored (or substitute other semi-hard cheeses for variety) •1 bundle fresh thyme sprigs •Red grape or “teardrop” tomatoes (can substitute cherry tomatoes or olives) •1 large white button mushroom Preparation 1. Cut each bar of cheese into 1-inch cubes. 2. On large platter or cutting board, arrange cubes in rows to form tree shape, using a different flavor for each row. Separate the rows of cheese with thyme or rosemary sprigs (rosemary looks like an evergreen twig) and rows of grape tomatoes and/or pimento-stuffed green olives. 3. For the star on top, peel the skin from the mushroom and carve a star pattern into it with point of knife. 4. Enjoy the compliments! Source… Make this Cheese Christmas Tree for your holiday parties! Head for Steamboat Springs any season of the year – Here’s Why! ![]() It's fun, beautiful and full of activity! * Tubing at several locations – Howelsen Hill – Steamboat – Saddleback Ranch’s Yee-Haw Tubing Hill – Yampa River * Natural Hot Springs and Mineral Pools (To Die For – Very Relaxing!) * Steamboat Pro Rodeo – Old Fashion Wagon rides and Dinner * Slingshot Bungee Jump Trampoline (oh boy… be careful) * Plenty of music festivals all year round for all ages (Click the link below) * Mountain activities include, Hiking – Mountain biking – Horseback riding – ATV and Jeep tours – Hot air balloon rides * Steamboat is listed as one of "The 10 Best Ski Resorts in the US" by Snowpack.com * Travelers in the early 1900s visited Steamboat Springs in the summer months for the natural hot springs and the vast hunting and fishing opportunities * Your top destination to learn about the history of Steamboat Springs is the Tread of Pioneers Museum. It has engaging and interactive exhibits which feature local and regional American Western history. Steamboat Springs is a “must visit” in Colorado! See more at: http://www.coloradovacation.com/steamboat-springs/activities Related Travel Post: Buena Vista Adventures ![]() Take the Baby Boomer Memory Test to see how well you remember the Baby Boomer Generation! NOT a pushover test. Baby Boom Memory Test! Get ready for 20 questions. Write down your answers so you will not forget! Answers at the end. No peeking! Good luck!
No Peeking! Below are the right answers to the Baby Boomer Test: 1. D – Wonder Bread 2. G – Cassius Clay 3. B – He Is us 4. A – Good night, Chet 5. G – When you brush your teeth with Pepsodent 6. D – Maynard G. Krebs 7. C – Pants on fire 8. F – The American Way 9. C – It’s Howdy Doody Time 10. E – Oh my 11. D – Over 30 12. C – Joe Namath 13. G – A little dab’ll do ya 14. G – On Blueberry Hill 15. B – Mary Martin 16. G – John, Paul, George, Ringo 17. D – Who wrote the book of Love 18. B – Cause I eats me spinach 19. A – Smile, you’re on Candid Camera 20. F – Melt in your mouth not in your hand Thanks for taking the Baby Boomer Memory Test! Another Test: Memory Test By the President of the United States of America. a Proclamation.
Whereas it is the duty of all Nations to acknowledge the providence of Almighty God, to obey his will, to be grateful for his benefits, and humbly to implore his protection and favor—and whereas both Houses of Congress have by their joint Committee requested me “to recommend to the People of the United States a day of public thanksgiving and prayer to be observed by acknowledging with grateful hearts the many signal favors of Almighty God especially by affording them an opportunity peaceably to establish a form of government for their safety and happiness.” Now therefore I do recommend and assign Thursday the 26th day of November next to be devoted by the People of these States to the service of that great and glorious Being, who is the beneficent Author of all the good that was, that is, or that will be—That we may then all unite in rendering unto him our sincere and humble thanks—for his kind care and protection of the People of this Country previous to their becoming a Nation—for the signal and manifold mercies, and the favorable interpositions of his Providence which we experienced in the course and conclusion of the late war—for the great degree of tranquillity, union, and plenty, which we have since enjoyed—for the peaceable and rational manner, in which we have been enabled to establish constitutions of government for our safety and happiness, and particularly the national One now lately instituted—for the civil and religious liberty with which we are blessed; and the means we have of acquiring and diffusing useful knowledge; and in general for all the great and various favors which he hath been pleased to confer upon us. and also that we may then unite in most humbly offering our prayers and supplications to the great Lord and Ruler of Nations and beseech him to pardon our national and other transgressions—to enable us all, whether in public or private stations, to perform our several and relative duties properly and punctually—to render our national government a blessing to all the people, by constantly being a Government of wise, just, and constitutional laws, discreetly and faithfully executed and obeyed—to protect and guide all Sovereigns and Nations (especially such as have shewn kindness unto us) and to bless them with good government, peace, and concord—To promote the knowledge and practice of true religion and virtue, and the encrease of science among them and us—and generally to grant unto all Mankind such a degree of temporal prosperity as he alone knows to be best. Given under my hand at the City of New-York the third day of October in the year of our Lord 1789. Go: Washington |
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