You're receiving this because you signed up on our website. Want to unsubscribe? Just reply to this email with the words “no thanks.”
First-time reader? Join {{active_subscriber_count}} other seniors for free.
Seniors Support Directory
Senior Living (55+, Assisted, Memory)
Need help finding assisted living?
Find it here:
A Place for Mom
Elder Law / Medicaid Planning
Need help with care costs or protecting your home?
Find an elder law attorney here:
NAELA Elder Law Attorney Directory
Lifetime Income Planning
Want income you can count on for life?
Speak with an annuity advisor:
Talk to a Specialist for Free
Medicare Plan Advisors
You may qualify for lower premiums or prescription costs.
Find a licensed advisor:
Get Free Medicare Plan Help
Stair Lifts & Home Elevators
Need help making your home safer and easier to navigate?
Find certified installers here:
Schedule a Free Home Check
Estate Planning
Need a will, trust, or POA?
You can set it up here:
Trust & Will
Long-Term Care Insurance
Thinking about long-term care insurance?
A licensed specialist can help:
Get Free Expert Guidance
Fiduciary Financial Planner
Want an advisor required to act in your best interest?
Find them here:
Get Free Fiduciary Matches
Home Care
A little support at home can make a huge difference.
Connect with vetted providers:
Home Instead
Reverse Mortgage Lenders
Want to explore reverse mortgage options safely?
Find a licensed lender here:
Get Free Lender Matches
What Is an Ethical Will?
An ethical will isn’t a legal document — it’s a personal one. Instead of dividing property or finances, it shares the values, stories, and lessons you want your loved ones to remember. It’s a letter from the heart: a way to express what mattered most to you and why, so those who come after you have more than memories — they have guidance.
How to Begin — and What to Include
The best ethical wills are written in your natural voice. You might reflect on what you’ve learned about kindness, perseverance, or forgiveness, or describe moments that shaped your character. Some people include advice they wish they’d been given, or gratitude for people who helped along the way. Others write about faith, family traditions, or the meaning behind certain heirlooms.
There’s no right length or format. It can be a handwritten letter, a recorded message, or a short essay. Some people add poems, favorite quotes, or photos to make it more personal. What matters most is that it feels authentic — a window into who you are and what you hope your family carries forward.
You don’t need to wait for the “perfect” time to begin; starting with a single page is often enough to set the tone for something deeply lasting.
Want guidance on how to capture your values in writing?
If you’d like help crafting an ethical will that reflects your voice and values, reply “ethical will” for a free consultation on how to create one that truly honors your legacy.
💌 If you found these ideas helpful, forward this newsletter to a friend — sharing stories and values now can mean more than any inheritance later.
On Health
Healthy recipe: Asian Slow Cooker Pork
On Finances
Legacy Spotlight
“The Wooden Ladder”
From the life overview of Evelyn B., 83, Portland, OR. Shared with permission.
For decades, the wooden ladder has been in my garage. Worn smooth from countless climbs, the ladder now leans against the rafters. My husband built it himself, sanding every rung and coating it with varnish that smells faintly of pine and sawdust, even after all these years. I remember the first time I climbed that ladder to retrieve a box of holiday decorations; my knees trembled, and my hands were sticky with sweat, but the thrill of being ten feet off the ground was intoxicating.
Over the years, the ladder became more than a tool. I’ve used it to paint walls, hang lights, prune branches, and peek over fences. Each rung carries a memory—the careful balance when I decorated the tree with our daughter, the excitement of fixing the attic window before a storm, the quiet moments I spent dusting forgotten corners, or the echo of people I’ve loved and lost.
One spring afternoon, I climbed the ladder to hang wind chimes in the sunlit yard. The breeze stirred the leaves, and the chimes tinkled softly, filling the garden with delicate music. I paused on the second-highest rung, inhaling the scent of fresh soil and blooming flowers and feeling the ladder beneath me, sturdy and familiar.
It’s funny how an ordinary object can hold a lifetime of memories. The ladder taught me that elevation isn’t just physical—it’s a perspective. It’s a way to look at life from a higher vantage, to see small details and fleeting moments, and to appreciate the balance that carries you through them.
***
What did you think of the above excerpt?
Three Things Worth Your Time
The Archive Room (BBC)
The BBC Archive offers rare interviews, historic broadcasts, and themed collections spanning decades of radio and television history. It’s thoughtfully organized and easy to explore at whatever pace feels right.
Harvard Art Museums: Collections Online
This digital collection includes paintings, prints, textiles, photographs, and objects from around the world, all presented with clear notes and high-resolution images. It’s an inviting place to spend time with art at your own pace.
U.S. National Archives: Featured Records
The National Archives provides digitized letters, photographs, maps, government documents, and historical records. The catalog is easy to search and browse, offering a steady, thoughtful way to explore American history from home.
Quick Poll (vote to see the anonymized current results)
Do you worry about outliving your money?
Capture Your Life Story: Today’s Daily Prompt
This daily section is brought to you by MemoirGhostwriting.com, experts in capturing life stories for loved ones and/or the public. We can meet any budget. (Does your story deserve to be told?)
What’s a funny story your family still talks about?
Take a few minutes to jot down your thoughts. Even a few sentences are a memory preserved for loved ones.
Getting help with capturing your story begins with a free Vision Meeting. In under an hour, we’ll reflect on your life’s work and define goals, themes, and style. Then our expert interviewers, writers, editors, and designers will craft your book—with your ongoing input—to preserve your story, wisdom, and legacy exactly as you intend.
Call 1-888-MEMGHOST or email [email protected] to begin a process clients describe as “meaningful,” “easy,” and even “a lot of fun.”
On Tech for Seniors
How to Use Instagram to Follow Family and Friends
Instagram can be a simple way to keep up with loved ones without needing to post anything yourself. You can follow your children, grandchildren, friends, or community groups and see their updates in one place. Here’s how to get started and how to use a few helpful features once you’re comfortable.
Setting Up Instagram and Following People You Know
Open the app and create an account with your email or mobile number. Instagram’s signup instructions are here.
To find people you know, tap the magnifying-glass icon and type their name or username. When you see the correct person, tap “Follow.” Their posts will now appear in your Home feed (the house icon).
You don’t need to post photos to use Instagram. You can simply open the app once a day and scroll through updates. Double-tap a photo to “like” it, tap the speech-bubble icon to leave a comment, and tap the photo once if you want to read the caption.
If you want your account to stay private, go to your profile → Menu → Settings and privacy → Account privacy → turn on “Private account.”
Quiet Following, Favorites, and Safety Tips
Instagram has features that help you control what you see. You can tap “Following” on someone’s profile and choose “Favorites” to make their posts show up higher in your feed. You can also “Mute” someone if you want to stay connected but see fewer posts from them.
You can also follow interest-based accounts—local museums, parks, travel groups, or hobby communities—and organize them using the “Following” page filters.
A few good habits make Instagram simpler: keep your password written somewhere safe, follow only people you recognize, and review your “Following” list every few months. Once you learn the basics, Instagram becomes an easy way to stay in the loop with the people who matter most.
On Travel for Seniors
Cruise deal of the day: 5 Nights Bahamas Cruise - departing January 10, from $230
Unmissable American gem: Fall in love with the gentle rhythms of Traverse City, Michigan — with lakeside strolls, easy wine tastings on the Old Mission Peninsula, charming downtown shops, and calm sunset views that make it an inviting, low-stress getaway for travelers who enjoy comfort and scenery.
Unscramble
Unscramble the letters to find a famous person, event, or object! Be the first to reply with the correct answer, and we’ll send you a free gift in the mail.
Today’s clue: Singer with a powerhouse voice who left the stage too soon.
ASNJI NIPOJL
Want to Earn in Retirement?
Help a life story get told, earn thousands: Refer someone to MemoirGhostwriting.com and earn 12% of what they spend. Find out more here.
Disclaimer: Some links in this newsletter are affiliate links. If you make a purchase through them, Seniors Magazine may earn a small commission at no extra cost to you. The content of the newsletter is for informational purposes only and should not be taken as financial, legal, or health advice. We may also share polling responses with advertisers to help keep this newsletter free.

