Updating Your Car Insurance, Scheduling Cancer Screenings, and Spotting Hospice Fraud

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Most people shop for auto insurance when they first buy a car — and then never revisit it. But retirement often changes driving habits in ways insurers don’t automatically know about: fewer miles, daytime driving instead of rush hour, safer routes, slower pace, and sometimes a smaller or newer vehicle. All of those can qualify you for lower premiums, but only if you update your policy or compare against newer offers.

Auto rates are partly based on risk patterns, and commuting is one of the biggest drivers of cost. Once a person is no longer driving to and from work every day, their risk profile usually drops — but most companies will not adjust the policy unless you ask. Bundling with homeowners or switching to a company that offers mature driver discounts can also reduce premiums significantly. Another overlooked factor is mileage: even going from 12,000 miles a year to 6,000 can move you into a different pricing tier.

It is typically wise to compare quotes every 12–18 months, even if you don’t switch. This ensures your coverage reflects your current lifestyle rather than the one you had before retirement.

If you’d like to see whether your current rate still fits your retirement driving habits, try an online quote tool or get updated quotes from multiple insurers. Everything is handled online, so you can review options without sales calls or paperwork

💌 If you found these ideas helpful, forward this newsletter to a friend — many people don’t realize how much their driving habits have changed until they take a fresh look.

“The Window Seat”
From the life overview of Clara H., 85, Asheville, NC. Shared with permission.

When I was a child, my grandmother let me sit by the kitchen window every morning while she baked bread. The sun would spill across the windowsill, catching the dust motes and making them dance. I would watch the neighborhood wake up—the mailman shuffling along with his bag, the cat perched on the fence, and neighbors greeting each other like old friends in a small town that I didn’t yet understand.

My grandmother would hum softly as she kneaded dough, flour dusting her hands and sometimes my hair. The smell of yeast and cinnamon was rich and comforting as it rolled through the room, and I would trace patterns on the fogged-up glass with my fingers, pretending I could draw maps to faraway places that I imagined visiting one day.

Even after my grandmother passed, I continued the ritual. I moved to a different town and bought a house with a window just big enough to cradle a chair, and now I sit there every morning with a cup of coffee, watching the trees sway and the sun rise. I notice details that I never did back then, like the curve of a branch, the sound of a bird flitting through the air, and the faint smell of someone cooking their breakfast in the area.

On certain mornings, I catch myself humming the same tunes that my grandmother did, and it feels like she’s right there beside me, kneading life into the air. I’ve realized that windows aren’t just for looking out; they’re also for seeing the life inside you, slowly unfolding, one quiet morning at a time.

***

The Metropolitan Museum of Art Open Access Collection
Browse through more than 492,000 high-resolution images of public-domain artworks from this renowned museum’s collection—each freely downloadable and great for quiet contemplation or inspired reflection.

Chronicling America
Hosted by the Library of Congress, this expansive collection lets you browse digitised newspapers from 1789-1963 across multiple states, languages and localities. It offers a rich doorway into social, cultural and personal history—ideal for curious minds who enjoy connecting past and present.

Smithsonian Jazz Oral History Program
A compelling archive of more than one hundred interviews with prominent jazz musicians, producers and arrangers—preserved by the National Museum of American History alongside the Smithsonian Institution. Listening to these voices offers not only music history but the lived experience of creativity, community and change.

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