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Thursday, March 12, 2026
The Latest in AgeTech: 2026
Wednesday, March 11, 2026
Financial Planning for Seniors: Smart Strategies to Protect, Preserve, and Pass on Your Wealth
March is the perfect time for a financial reset. Here are eight steps toward improving your financial peace of mind this spring.
- Review income sources: Social Security, pensions, annuities, rental income, part-time work.
- List fixed vs. discretionary expenses.
- Identify rising cost categories such as healthcare, medication, and home maintenance.
- Update your budget to reflect current living needs.
- Delay Social Security (if possible) to increase benefits.
- Maximize pension or annuity options by reviewing survivor benefits.
- Balance withdrawals to preserve account longevity.
- Understand Required Minimum Distributions (RMDs).
- Understanding Medicare Parts A, B, C, and D.
- Reviewing Medigap vs. Medicare Advantage.
- Evaluating long-term care insurance or hybrid policies.
- Discussing caregiving costs and planning.
- Common scams: phishing, IRS fraud, romance scams, contractor scams.
- Warning signs of exploitation by acquaintances or caregivers.
- Importance of appointing a trusted Financial Power of Attorney.
- Using credit freezes and monitoring.
- Will
- Durable Power of Attorney
- Healthcare Power of Attorney
- Living Will / Advance Directive
- Beneficiary designations
- Transfer-on-death (TOD) or payable-on-death (POD) designations
- Evaluating affordability and physical manageability.
- Costs of downsizing vs. staying.
- Reverse mortgage considerations.
- Planning for home safety modifications.
- The importance of community and purpose.
- Emotional spending triggers.
- Family communication about caregiving and finances.
Tuesday, March 10, 2026
Spring Cleaning: The Beauty of Empty Space
Whether you're downsizing or just want to make more room for living, a real spring clean-out could be just what you and your home need.
The idea of deep clean–windows thrown open, all dust busted–feels enticing this time of year. But where to even begin? For empty nesters and others considering downsizing, or right-sizing, to a new home, the first step is often to get rid of some of that stuff.
“When people think of clutter impacting an individual’s life, they immediately think of a hoarder, but that isn’t really the case for most individuals,” observes Jennifer Pastore Monroy, Executive Director of the National Association of Productivity and Organizing Professionals (NAPO). “In my experience, people have different levels of tolerance for disorganization in their lives, and what is acceptable for one person may be intolerable for another.”
Combine spring cleaning with decluttering, and you have the opportunity to give your home a fresh, minimalist (or close) new look. Don’t aim to refresh your whole house in one day. But take some inspiration from the tips below, and by the time summer hits, you could be living in a space that feels easier to navigate, easier to maintain, and easier to love.
Hiring a Decluttering ProfessionalThere are many decluttering professionals in the community that can help remove any sense of overwhelm associated with downsizing or decluttering. NAPO is a great place to start; visit their website to find a professional organizer in your area. According to Angi, expect to pay about $530 on average for a professional organizer’s services. |
- Start with safety. Spring cleaning is an opportunity to make your home easier and safer to live in. Clear hallways and other high-traffic areas of anything that doesn’t belong. Consider if any furniture is blocking easy exit routes in the case of an emergency–if it is, move or remove it. Would a basket near the front door help collect items that tend to end up on the floor? Aside from keeping your home clear and clean, you’re also reducing the risk of falls.
- Focus on one area at a time. Downsizing or decluttering can feel emotional and overwhelming, but small wins matter. Choose one drawer, shelf, or corner per day to tackle, and stop when you’re feeling done.
- Keep your “why” in mind. There are lots of good reasons for putting in the real effort it takes to declutter. Some people might want to declutter for their mental health. Studies have found that a high level of clutter correlates with a decreased sense of “psychological home”--in other words, people tend to feel less at home when their homes are messy. Others are preparing for a move, and others might want to have more company over. If the process starts to feel arduous, remind yourself of the goal.
- Select for meaning. Many of us have internalized Marie Kondo’s genius question by now: “Does it spark joy?” When deciding what to keep, donate, or throw away, this question can be the key to bypass tortured decision-making. The point is that objects are as meaningful as the stories they hold. If “sparking joy” doesn’t resonate with you, ask yourself–what’s one item in this room that I would love to never have to dust again? Maybe its day on the “donate” pile has arrived.
- Let space do the decorating. Employ empty space as a design principle. Just like empty wall space in an art gallery allows each work of art to breathe, let the walls and floors of your home highlight the furniture and other items that deserve to be highlighted.
- Take gentle steps toward right-sizing. Minimalist spring cleaning can be a low-pressure way to prepare for a future move. As early as feels right, begin imagining what would come with you to a smaller space. Notice which items you use every day, and which ones go months or years without being picked up.
As Heather Margaret (writing under the pen name Messie Condo) puts it in her straight-to-the-point guide Nobody Wants Your Sh*t: The Art of Decluttering Before You Die: it’s time to live in the moment without the mess. From all of us at Senior Spirit, good luck with your spring clean!
Sources:
https://www.npr.org/2025/12/04/nx-s1-5580582/vern-yips-secret-to-better-home-decor-stop-scrolling-for-inspiration
https://www.mdpi.com/2076-328X/12/5/132
https://www.hgtv.com/lifestyle/clean-and-organize/spring-cleaning-made-easy-pictures
https://cdn.ymaws.com/www.napo.net/resource/resmgr/press_kit/women_vs._men_december_2019.pdf
Five Tips for Safe Drug Disposal
Wait! Don't just toss that unwanted medication. Instead, use one of these tips to keep people and the planet safe.
In general, doctors prescribe an exact amount of medication because the patient should take all of it. But patients and doctors might decide to cut short a course of medication for a number of reasons: unmanageable side effects, a new diagnosis, or because the medicine just isn’t working. When that happens, people end up with one or more small plastic bottles and a troubling suspicion that they probably shouldn’t just throw them in the trash.
Trust that instinct. There are two main reasons to dispose of unneeded medications with care: the health of other people, and the health of the environment. Medications left sitting around in the home could be accidentally ingested by children or abused by other adults. Among people who abuse prescription drugs, almost half get them from a friend or family member. Plus, when thrown in the trash, medications eventually make their way to the soil and water and can negatively affect human, animal, and plant health.
To keep controlled substances out of the wrong hands and the environment, read on for five tips for safe drug disposal.
Are Orange Pill Bottles Recyclable?
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3. Use a free mail-in envelope.
Yes, you can mail your unwanted medications to a DEA-authorized destruction facility. Pre-addressed and pre-paid mail-back envelopes are available at many pharmacies for this purpose, and organizations including town offices and continuing care retirement communities may provide them free of charge, too.
4. Medications on the “flush list” can and should be flushed down the toilet.
Some medications could kill children who accidentally ingest them. Others are extremely sought-after for abuse potential. The DEA includes 15 kinds of medication in these two categories on a “flush list.” Experts have determined that, for these particular medications, the risk to human health outweighs the risk to the environment. So, if a take-back program, like one of the three options listed above, isn’t immediately available, flush any extra medication down the toilet for the safety of others. But be sure to first check the list or the medication’s packaging.
5. If no other safe disposal options exist, throw it in the trash–but do this first.
If a medication isn’t on the flush list, and there are no take-back options available near you, unwanted medication should be thrown in the trash. But first, make it unappealing for use by others. The Environmental Protection Agency (EPA) recommends taking the medication out of its original packaging, mixing it with something gross (like cat litter or coffee grounds), putting the mixture inside an empty container like a yogurt tub, and then throwing it in the trash.
Follow these tips, and you’ll be doing your part to prevent accidental poisoning and drug abuse and keep our watershed healthy.
Sources:
https://www.epa.gov/household-medication-disposal/what-do-unwanted-household-medicines
Tuesday, March 3, 2026
America250: Time to Celebrate!
Fireworks are just the beginning. The United States celebrates a major birthday this year with events for every American.
Sail250
Freedom Plane National Tour
Commemorative Events at Revolutionary War Sites
Opening of the Theodore Roosevelt Presidential Library
America 250, Colorado 150
America’s Potluck
Monday, March 2, 2026
Famous and 65
Look who's turning 65 this month
March 4
March 11
March 29
Thursday, February 5, 2026
Honoring the Wisdom of Black Elders Through Financial Literacy
A commentary on Aging While Black by Raymond Jetson
Applying the Montessori Method to Dementia Care
The person-centered approach to dementia care prioritizes independence and choice.
- Self-esteem,
- Independence,
- Choice, and
- Meaningful engagement.
Wednesday, February 4, 2026
Five Tips for Traveling with Pets
Lots of seniors are bringing their best friends along on vacation. Plan ahead for a fun, safe, and comfortable trip for everyone.
Simple Tax Strategies to Keep More of Your Money
Review this checklist every February to ensure you are taking full advantage of tax-saving opportunities.
1. Max Out Tax-Deductible Contributions
- Increase contributions to your 401(k), 403(b), or traditional IRA.
- Even a 1–2% increase can lower your taxable income.
- Check if you qualify for catch-up contributions (age 50+).
2. Use Tax Credits
- Earned Income Tax Credit (EITC).
- American Opportunity Credit (education).
- Child Tax Credit (grandparents raising grandchildren may qualify).
- Energy-efficient home improvement credits.
Where To Turn for Free and Low-Cost Tax PreparationTax preparation doesn’t have to break the bank; in fact, many seniors are eligible for free or low-cost tax prep services. Here are a few places to look for affordable tax assistance in your community.
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- Medical and dental expenses.
- Charitable donations (cash, clothing, household goods).
- Property taxes and mortgage interest.
- Business expenses (home office, mileage, supplies).
- Keep receipts in a simple envelope or digital folder.
4. Review Withholding & Estimated Taxes
- Use the IRS withholding calculator.
- Adjust W-4 if you owed taxes last year.
- Self-employed? Double-check quarterly estimated payments.
5. Use Tax-Advantaged Accounts
- HSA: Save pre-tax dollars for medical expenses.
- FSA: Use funds for childcare, medical, dental needs.
- 529 Plans: Tax-free growth for education savings.
Sources:
Monday, February 2, 2026
Don't Let Subscription Fatigue Get You Down
With so many ways to subscribe, seniors need systems for tracking recurring charges.
- Review your bank and credit card statements every month. If you see a charge you don’t recognize, reach out to the bank or credit card company for help identifying it.
- Try an app to help you audit your subscriptions. If you have a lot of active subscriptions–or a sneaking suspicion that you might–consider downloading an app to assist you in reviewing your recurring charges. Some popular ones are Trim and PocketGuard.
- If you’re concerned about grey charges, set up bank or credit card alerts to notify you of charges under a certain dollar amount.
Famous & 65
Look who's turning 65 this month
February 2
February 10
February 16
February 27
Thursday, January 8, 2026
Monthly Internet Bills Are Hard to Read. Broadband Facts Could Help.
Feeling like you need a PhD in cryptology to understand your internet bill? You're not alone.
Tips to Save Money on Monthly Internet Bills
Consumer Advocate Paints a Picture of the Broadband Future We All Want
- You would be able to access a label with minimal clicks on well-labeled links on every provider website.
- Your label would be printed on your bill every month.
- Your internet service provider would proactively mail or email you an annual disclosure of your current service's label, and a notice every time your bill or service changed with the changes clearly marked.
- The label would include color-coded context to help you understand what you can reasonably expect to be able to do with your internet service plan.
- The label would have reliability and downtime information as well as details on how your service might change during peak usage times.
- The label would tell you when and how a provider might degrade service for video or mobile hotspots.
- The label would be available in many languages.
- The label would mention every subsidy program that you might qualify for.
- The FCC’s broadband map—which displays the internet service available at your address—would allow you to click directly to the corresponding labels for the tiers of internet service available at that address, too.










