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Money Secrets for Seniors

Senior Discounts Ahead

People enjoying the benefits of senior discounts can also appreciate the available offers for tourism opportunities, cost savings, and the daily perks of being a certain age.

There may be thousands of dollars in savings available and the process is simple to understand.  Vacation planning and enjoyable shopping trips can be arranged for seniors appreciating discounts.

The savings can be amazing and the additional amounts of money available can instead be utilized for fun projects or exciting opportunities.

Here are some amazing “Money Saving Tips”  available to you.   

Know about the Available Programs

The FMERR program is an example of a quick and easy way to reduce mortgage costs.  More than $3,100 each year can be saved with the Freddie Mac Enhanced Relief Refinance program (FMERR).

The savings can be used for other items that can bring you more comfort and happiness.  The cost is free and the process can take less than five minutes to use the online form.

Qualifying For Large Cash Payouts With Amounts Of $100,000 or More

Cash out payments may be ready for you.  As a homeowner, you can check to see if you qualify for programs that offer amounts up to $100,000.  

It is a quick process and people are encouraged to do this at least twice per year.  The amounts can be helpful for debt payoffs, vacations, or other nice purchases.

Reduce Your Life Insurance Premium By Up To 70%

Quality policies should be affordable and comfortable with cost savings up there around 70%.  An easier qualification process is available with affordable prices, benefits, and borrowing capabilities.  

Your protected account has your money that should be available as a personal banking account with interest and loan availability.

Save Thousands Easily

Knowing what to research for health plans can be nicer as you know the best ways to take good care of yourself.  

Focusing on fitness and health can help save thousands on healthcare and some supplemental insurance plans with medicare offer gym memberships for good health.  Staying out of doctor’s offices can save thousands.

Home Maintenance and Cost Savings

Smartly researching options for home maintenance and repairs can be a nice way to cover any costs for improvements.  

Home warranty programs are available for people who haven’t just moved into a new home, and they can help with any costs for heating, air conditioners, appliances, or even larger projects such as a roof.

Understand Debt Relief and Helpful Programs Available

Debt relief is available!  

People with more than $20,000 in credit card debt have relief from high interest rates (18-30%) and the burden of high monthly credit card bills.  Thankfully, the process has been simplified to get quicker relief with workable solutions.

Homeowners Insurance Savings

Homeowners insurance should be affordable and a savings of 30% might be available for you with comfortable solutions for monthly or yearly payments.  

Policy options should provide quality homeowners insurance with the right protections of your belongings.

Store Discounts for Food and Necessities

Buying food at a discount can help on a monthly basis and shopping trips can be more enjoyable.  Available discounts at local stores can be a smart way to plan for meals, snacks, and beverages.  Certain days of the week may be when the discounts are honored.

Saving money with discounts and coupons can make meals even better with additional selections to enjoy and healthy choices always available.

Enjoyable Outings for Food and Nourishment

Sometimes people are craving certain foods which may include a nice helping of international cuisine.  With great health benefits, these restaurants and food locations might offer certain discounts.  

This may apply for delivery services so be sure and ask about options, discounts, and any suggested orders that might satisfy your appetite.  Good food is a healthy choice and satisfying your cravings can be part of good fitness with excellent health benefits.

Save on Monthly Expenses  

A good place to cut costs could be with any utility bills.  Most companies and cooperatives offer savings, discounts, and programs.  

Saving on your bills for heating and cooling are easily achievable and there are national grants available also to help cover costs.  

Affordable Plans are Available

Several options are now available for cell phones.  Prepaid services are easier for planning purposes and a simplified way of payment makes this even nicer.  Larger stores are now offering choices for cell phones with many options that could work with a comfortable amount prearranged for monthly expenditures.  Data usage and messaging services could be included with some of the purchases available.

Shopping Trips and Planned Outings

Knowing the best places for discounts can be an enjoyable way to plan out those shopping trips.  

Many department stores and boutiques offer discounts that may apply without any restrictions.  Often, food can be enjoyed during these fun shopping visits and the options available can really make it nice for planning the best trips.

Vacation Planning

Some of the best planned vacations may include a simple car rental that offers flexibility while traveling.   

With the discounts and cost savings, some people find it even nicer to plan out vacations with options to enjoy the outdoors with the right car rental.

Saving Money with Tourist Packages

Discounts are available for traveling to many destinations.  Researching options can be enjoyable with resort discounts and travel packages available throughout the year.  

Saving money can make it nicer to see incredible sites with tourist attractions.

Tourism Packages

Some hotels offer discounts on food, local attractions, and other purchases that are appealing for travelers.  Finding these hotels is easier now and customizing your packages is often an option.  Making the arrangements is also simpler with online research.

Visiting Other Locations

Traveling to another city or location is an opportunity to enjoy the outings offered to local residents and tourists.  Visiting some of the best restaurants might be enjoyable so planning ahead can make the trip even better.  

International discounts may also apply and it is smart to plan ahead for currencies and money exchanges.

Cruises, Food, and International Visits

Traveling internationally with a cruise ship can be an enjoyable vacation.  Often these types of cruises provide opportunities to visit international cities.  Preparing is much easier now as people understand what locations are offered and what type of planning is suggested when they arrive at those places.  Several cruise packages offer discounts and the options for traveling are amazing.  

Parks and Trails

Enjoying the outdoors can be another reason to plan out vacations and international travels.  There are online resources available with park locations, trail descriptions, and suggested supplies for these types of outings.  

Local hotels might offer discounts for vacation planning.

Check for Better Auto Insurance Rates

Knowing to ask about discounts could be the smartest way to save money with auto insurance and other opportunities.  Huge discounts are available for certain areas and people that drive less than 50 miles a day on average.  

Even if you think your premium is low, it may be worth checking for discounts.  

Classic Car Insurance is also simpler now with many options for quality policies.

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Culture

Newly Discovered Flower Blooms Atop One of the World’s RAREST Trees

Renee Yates

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The Missouri Botanical Garden in St. Louis is known by locals for the intense work performed by the experts inside. When a small purple-and-white flower began to grow within their greenhouse, the team of experts at the Missouri Botanical Garden were confused. From their perspective, they were seeing something brand new – a completely fresh discovery.

Discovery on May 3rd

Justin Lee is a senior horticulturist at the Missouri Botanical Garden, and he was performing regular work on a Karomia Gigas sapling in the greenhouse when he first stumbled upon the rare purple-and-white flower. The Karomia Gigas is a tree from Africa with close relations to the mint plant. An endangered tree species in Africa, Justin was confused by the flower that had grown nearly an inch in length atop the tree.

Lee says of his discovery, “It’s a bit odd for a mint flower. It seems flipped inside out.”

The flower measured an inch in length with a strong halo of purple petals, sloping gently downward toward white stamens bearing pollen. According to Lee, the mint family likes to put out tube-styled flowers in an attempt to attract bees, butterflies, and moths. Lee also suggests that the tree can self-pollinate if necessary.

As the discovery made headlines around the city, the researchers at Missouri’s Botanical Garden are preparing for more blooms in the future. Research has suggested that more Karomia Gigas flowers will grow at the greenhouse and it is then that their scientific research will really begin. Lee and his team are focused on successfully cultivating cross-pollination, thus improving the survivability of the plant in the world. At the time of this writing, only about two dozen of the Karomia Gigas trees can be found in the wilds throughout Tanzania.

The Wilds of Tanzania

At the time of this writing, the Karomia Gigas is considered so rare as to not even have a local Tanzanian nickname, nor is there an English one. What little is broadly known about the Karomia is that it can grow in straight stretches for up to 80 feet, limiting branch exposure until nearly halfway to its final height. As a result of its odd, stick-like growth, finding these unseen flower blooms has been harder than you might anticipate!

Roy Gereau is a program director for Tanzania at the Missouri Botanical Garden. Surprised but not shocked by the flower, Gereau was quick to admit that the bloom was new. Gereau said of the rare flower, “There certainly is no record of the flowers in scientific literature.”

More important than discovering the flower, researchers in Missouri believe that they can maintain the health of the newly bloomed petals to prevent them from disappearing. Andrew Wyatt is the VP of Horticulture at the Missouri Botanical Garden, and he said, “We can make sure the species doesn’t go extinct.”

It has been a challenge to grow the plant in Missouri, as has been repeated by researchers at the facility. Seeds had been collected in 2018 from a series of Tanzanian field expeditions. These seeds were shipped to St. Louis where only around 100 were thought to be viable. To make things even more difficult, it was a task to match Tanzanian growing conditions within greenhouses in Missouri.

Despite the challenges that they had to face, it looks like the Karomia is finding solid footing within St. Louis. With some momentum and optimism on their side, what’s next?

Andrew Wyatt said of the rare blooming flower and of his own future, “We were debating whether it would even flower in our careers.”

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Culture

Quirky New Zealand Bird Begins Recovery From Brink of Extinction

Renee Yates

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With bright lime green plumage, striking eyes, and a massive build, the New Zealand Kakapo is considered the largest ground-dwelling parrot on the planet Earth. If that description doesn’t get you at least a little bit excited about the kakapo, nothing will!

Endemic to New Zealand, the Kakapo has been considered endangered and on the brink of extinction since the late 1890s. Beginning with the Kakapo Recovery Programme of 1995, modern conservationists would begin to note more significant strides in their efforts.

Before delving into the rehabilitation of the quirky kakapo, let’s take a moment to learn a little more about these fantastic creatures.

How Quirky IS The Kakapo

A cursory glance at New Zealand’s favorite flightless parrot would reveal an animal made at odds with itself. Massive yet flightless, brightly colored yet nocturnal, the kakapo has enjoyed an almost legendary status within New Zealand’s borders and, more specifically, Maori culture. Revered as a source of meat and for its beautiful plumage, the kakapo has a rich history with the local people.

As the only living species of parrot that can’t fly, the kakapo instead relies on its strong legs to travel miles a day. Excellent as climbers, kakapo will use their forest-themed feathers to remain camouflaged while hunting, hiding, or sleeping.

Andrew Digby has been working closely with the Kakapo population through his work as a conservation biologist for the Department of Conservation. Digby has grown to appreciate the definitive personalities and unique lifestyles that the kakapo lead. Digby says, “They’re more like mammals… maybe like badgers.”

As a conservationist for one of New Zealand’s most revered institutes, Digby has gotten to spend plenty of time with the local kakapo population. He says of his efforts that their personalities become more defined the longer you work with them. Digby says, “Some may shout at you a lot. Some are really friendly and will approach you.”

An Endangered Species

The kakapo began its precipitous descent toward extinction in the fourteenth century, coinciding with the arrival of the Maori people. As we’ve touched upon above, the Maori people see the kakapo as not just culturally important, but also as a form of resource. Their feathers, meat, and even companionship were all revered by the Maori people.

Unfortunately, an affinity for the kakapo would also lead to its decline toward extinction. As the Maori settled into the region, building homes and wiping land for farms, kakapo would begin to experience habitat reduction. This reduction in habitat was further exacerbated by the arrival of rats from the very same ships that the Maori had arrived upon. Rats would quickly become a primary predator to the kakapo, devouring not just eggs but chicks as well.

By the time that Europeans would land ashore of New Zealand in the 19th Century, the Kakapo had already been verging on extinction throughout the islands. This didn’t stop European settlers from trapping, killing, collecting, and selling kakapo to willing buyers. By the time that 1995 rolled around, only 51 birds were left in known existence.

The 1995 Kakapo Recovery Programme has been working steadily since its introduction, collecting and protecting the remaining living kakapo in off-shore environments. Visitors to the Kakapo Recovery Programme must undergo an extensive quarantining process after having all of their food and luggage carefully inspected. Every bird on the island is tagged and named so that the conservationists can closely follow breeding sites throughout the region. New eggs are often moved to artificial environments where they are incubated before being returned to the nest. While the real egg is away, the kakapo mother will be left with a ‘smart egg’ that mimics egg behavior.

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Retired Bike Program Finds New Life in Charlotte as Travel Service For Homeless

Kelly Taylor

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As the weather warms up and COVID-19 continues to become a thing of the past, the world will try and shift to normalcy again. For residents of Charlotte, NC, a return to normalcy will have to occur without the help of Charlotte B-Cycles, the rental blue bike-share service that has been providing rides to the city for years. Phased out for an impressive electric-assisted fleet, the city of Charlotte had to decide what to do with the 250+ retired bicycles from its old fleet and this is where our story begins.

Let’s explore how the city of Charlotte decided to recycle old bikes to bring new life to the city for those who need help the most.

Reduce, Re-Use, Recycle: Old Fleets Find New Life

Charlotte’s B-Cycles may have been taken away to be replaced with an electric-focused fleet called Charlotte Joy Rides, but that doesn’t mean that their days of use are over. In fact, the old retired bikes now belong to a pair of volunteer teams from Roof in the Inn and Trips for Kids, two local non-profits dedicated to providing assistance to homeless residents.

Taking the old bikes, the volunteer groups from Room in the Inn and Trips for Kids would acquire the bikes with the intention of repurposing them. Dick Winters, a cycling enthusiast and volunteer at the program, pointed out that transportation is a rather significant barrier to individuals dealing with homelessness. Winters also argues that a lack of available and affordable transportation can fundamentally damage acquiring employment and, fundamentally, independence from poverty. This mindset has been echoed tirelessly by Cedric Mack, supervisor of the Roof Above shelter on Statesville Avenue.

The goal of this joint initiative is to bring transportation to the people who need it the most, giving them the metaphorical keys to their traveling needs. The job has been undertaken by a tireless team of excited volunteers to help those who are most at-risk. Mack says that some of the homeless individuals he works with end up at the bus stop by “4 AM” just to get a ride for errands or to apply for jobs.

Charlotte, Charity, and the Houseless Crisis

So far, volunteers for the program have effectively refurbished 27 bikes. These 27 bikes have already been dispatched to users from the Roof Above program as well as shelters around the area. A pair of bikes would go to a recently homeless family while other bikes have gone to individuals to assist in their independence and traveling efforts. This is a marked difference from the last round of old bikes that ended up sold for scrap, thrown into landfills, or stuck into art installations.

Jonathan Wells has been one of the active pair of hands working on repairing the bikes. Wells was brought to the non-profit after hearing about it through his church. Wells points out that the repair efforts are helping people to attain a “greater degree” of self-reliance and self-sufficiency. Wells went on to say that it would be “Mission Accomplished” if his work helps someone to get a job, get back on their feet, and find a place to live.

At the time of this writing, a 2021 study published by WSOCTV revealed that roughly 3,000 homeless individuals live in the Charlotte, NC area.

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Rehabilitation Facility Ushers in ‘Healing Forest’, Planted by Indigenous Inmates

Kelly Taylor

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Found in the heart of Washington State is the Yakama Nation Correctional and Rehabilitation Facility, one of the first projects introduced through the DOJ’s American Recovery and Reinvestment Act of 2009. This adult and juvenile facility is designed to do more than meet the needs of the region, it also has a unique way of addressing rehabilitation through outdoor projects — including the healing forest.

At the heart of this restorative project are the inmates who identify with and want to embrace their culture and identity. A member of the Yakama Nation, Marylee Smunitee Jones has also been a vocal leader for the healing forest campaign that has been gaining nationwide attention. Jones has worked alongside Ethan Bryson, forest maker and founder of Sugi, to get their ambitious project off of the ground. Jones said that the identity of Yakama Nation lay with the plants, “They show us that it’s okay to be unique.”

After successfully organizing the healing forest project, Bryson and his team would successfully enter the second phase of the plan. This would lead to more than 5,000 native trees successfully entering the ground, incorporating more than 36 species spanning medicinal and non-medicinal plants alike.

In order to find so much success getting plants in the ground, Sugi has followed the Miyawaki method for planting. This method originally took root in Japan where it focused on the diverse planting of species in a confined space. Elise Van Middelem is the founder of Sugi and also one of the leading voices in the company. Speaking on the Miyawaki method Elise would say that this method was “30 times denser, featured16 times more carbon, and was100 times more biodiverse”

Impact of the Healing Forest

While much of today’s discussion has been focused on the sheer volume of plants and the efficacy of the workflow, the effect that the healing forest has had supersedes even these boundaries. An anonymous inmate spoke about the project saying, “It feels great. It makes my heart feel really good.” Other inmates discussed how they would be able to show their kids the massive garden in the future when they finish their sentence.

Even though the impact of the healing forest has been immeasurable to the inmates, it also highlighted an important prospect to discuss on a global scale. According to a 2019 report published at Global Forest Watch, more than 12 million hectares of tropical forest were destroyed in that year alone. Developments surrounding green projects like the healing forest are going to become increasingly welcomed as environmentalism takes center stage on a global scale.

Another initiative operating out of 1t.org would get unveiled during the 2020 World Economic Forum in Davos. The goal of the platform is to help the world plant an additional 1 trillion trees by the end of 2030.

Marylee Smunitee Jones says of the Healing Forest and its importance, “We all have our own medicines and that the healing forest is needed… it is needed very much.”

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Culture

Lowest 48 States See Proliferation in Bald Eagle Population

Renee Yates

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The bald eagle is a symbol of independence, courage, and strength in the United States. Who’d have guessed that a bird of such importance was on the brink of extinction just a few years ago?

Bald eagles have three or four times the vision of humans. They can fly up to 35 miles per hour and dive for prey at even higher speeds.

The bald eagle’s name comes from the Old English word balde, that demonstrates white; the eagle’s white head contrasts with its dark body, giving it the appearance of being bald. In the wild, the bald eagle survives for 20 to 30 years.

According to government scientists, the volume of American bald eagles has grown exponentially by about four times the 2009 number, now at a high of over 300,000 birds currently flying over forty-eight states.

The United States Fish and Wildlife Service announced that bald eagles, a national icon that was once on the verge of extinction, have soared in recent years, with over 71,400 breeding pairs and an estimated 316,700 individual birds.

Interior Secretary Deb Haaland praised the eagle’s comeback in her first public appearance since taking office recently, noting that the magnificent bird with its white head has been deemed as sacred to Native American tribes and the country as a whole for eons.

The strong recovery of this beloved bird allows everyone to recollect the country’s collective resilience, in addition to the value of being responsible guardians of the lands and waters that unite us, said Haaland, the first Native American Cabinet secretary.

In 1963, the number of documented breeding pairs of bald eagles in the lower 48 states reached a record low of over four hundred.

The bald eagle population has continued to expand through decades of protection, including the banning of the pesticide DDT.

They have also been included on the list of endangered species in more than forty states. In 2007, the bald eagle was delisted as an at-risk or endangered species.

The bald eagle community is thriving, according to Haaland, who described the bird’s recovery as a “success story” that “testifies to the enduring value of the work of Interior Department researchers and conservationists.”

This work would not have been possible without numbers of individuals accumulating and evaluating many years of scientific data… precisely estimating the population of bald eagles in the United States.

The bald eagle’s birthday is also an excellent time to remember the Endangered Species Act, which is a critical tool in the fight to save America’s wildlife, according to Haaland. The landmark 1973 law is necessary to counter the extinction of species like the bald eagle and American bison, he says.

According to Haaland, her unit would investigate measures taken by the Trump regime to weaken core aspects of the threatened species law, reiterating a promise made by President Joe Biden.

She didn’t go into detail, but environmentalists and Democratic lawmakers have chastised the Trump administration for a number of decisions, including decreasing vital territory needed by the northern spotted owl and removing gray wolf safeguards.

The bald eagle is a raptor (bird of prey) that are located at the food chain’s helm. It captures prey by darting over broad landscape or water with its sharply curved talons. It also absorbs the dead animals’ bodies (carrion).

Eagles are carnivores (mmeat-eaters who hunt throughout the daytime (diurnal) from a high perch. Older eagles have a small range of hunters. Small bald eagles are preyed upon by owls. Fish, small rodents, snakes, as well as other birds are among their favorite foods.

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