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Friday December 19, 2014


This SeniorArk.com Home Page  is one of the most valuable pages a Senior can read daily.



is a free, volunteer site, BY SENIORS, FOR  SENIORS.  But you may find that our Senior survival tips have considerable value for children of
all ages. We are not a dead, static senior citizen site, but are updated
EVERY DAY, including most holidays. SeniorARK was begun in November, 2005. By December, 2014 we are only completing the foundation, yet we already receive over 100,000 visits per month from inquiring, and sharing, Seniors. (165,581 in a recent month, over 6 million in total) You have created hundreds of pages, chock full of over 4,999 links, tips, and other resources to help our generation cope with the inevitable challenges that come in retirement.

We believe that surviving in retirement does not rely on one "silver bullet", but instead is the result of doing many things a little better. As we share our tips and information with each other, we can build a sturdy SeniorARK for everyone. By its nature, SeniorARK will always be under construction.  Please be one of the Senior builders of SeniorARK by your sharing.


Remember: AMATEURS  built the ARK--- PROFESSIONALS  built the TITANIC.





We have always had an EDITOR'S page with an explanation of how and why this site was begun. But now, in addition, we will produce a special EDITOR'S "DAILY" COMMENT. On that page you may find timely information on anything from a threat to Social Security or Medicare, to how our editor is feeling today, or how the weather is developing around our headquarters, or why we support a critical upcoming vote in Congress.

We hope you will make the page a part of your daily online activity. We will change the comment every 2 to 3 days. There will be important links to information on your health, Medicare, Social Security, money, and much more. A special email address will be provided for your important feedback. And we encourage your feedback. Plug in and become an empowered Senior!





9 Ways To Cope With Seasonal Affective Disorder

Huffington Post - December 6, 2014
Do dark, chilly days make your mood cloud over this time each year? You're not alone: Roughly 10 to 20 percent of Americans report feeling tired or sad when there are fewer hours of daylight in the winter months.



December, 2014 - As dark and cold as it seems today in much of the U.S., remember that on December 22, daylight hours begin to increase. The countdown begins! Deal with the darker days by doing a schedule for the next 30 days, and plan to do at least one thing EVERY DAY that is fun for you.

Also read: Finding Winter Light 




Social Security Benefits to Go up by 1.7 Percent

Millions of older Americans who rely on federal benefits will get a 1.7 percent increase in their monthly payments next year, the government announced.

It's the third year in a row the increase will be less than 2 percent.

The annual cost-of-living adjustment, or COLA, affects payments to more than 70 million Social Security recipients, disabled veterans and federal retirees. That's more than a fifth of the country.

The increase amounts to about $20 a month for the typical Social Security recipient. (MORE)





Secretary of Health and Human Services (HHS) Sylvia Burwell announced today that next yearís standard Medicare Part B monthly premium and deductible will remain the same as the last two years. This leaves more of seniorsí cost of living adjustment from Social Security in their pockets.

(read details) (read still more, including S.S. Cola info)



It's time to get a flu shot

November/December, 2014 - Flu season is fast approaching and that means it is time to stay ahead of the game by receiving your flu vaccination this year.


Over 400 Seniors are killed by guns in America - - EVERY MONTH!





There may come a time when a nursing home is the only option. If that day hasnít come, however, there are other options you can consider that will help ease medical and financial burdens while allowing you or your aging loved one to retain independence by living at home or near family members. There is support in your community and adjustments you can make at home. Here are some examples: (click blue link above)



Medicare recipients asked to fight fraud

The Centers for Medicare and Medicaid Services estimates that Medicare, the health care program for seniors, and Medicaid could be losing as much as $70 billion to criminal fraud, waste and abuse each year. That amount is unacceptable for Harold ...
Seniors can be of great help in saving money for our health system by reporting FRAUD.

WHAT IS MEDICARE FRAUD? Fraud occurs when someone intentionally falsifies information or deceives Medicare. Abuse occurs when doctors or suppliers donít follow good medical practices, resulting in unnecessary costs to Medicare, improper payment, or services that arenít medically necessary. A complaint about the quality of care you got from a doctor, hospital, or other provider or facility is not considered fraud or abuse. If you have a complaint about your quality of care, please click here.

Examples of possible Medicare fraud are:

  • A healthcare provider bills Medicare for services you never got.

  • A supplier bills Medicare for equipment you never got.

  • Someone uses another personís Medicare card to get medical care or equipment.

  • Someone bills Medicare for home medical equipment after it has been returned.

  • A company offers a Medicare drug plan that hasnít been approved by Medicare.

  • A company uses false information to mislead you into joining a Medicare plan.

Read complete Medicare article on Preventing Medicare Fraud and Abuse


Seniors, always remember, if you are EVER in need of ANYTHING,   

email: seniorark@aol.com   We may not be able to help, but we WILL TRY.

And we WILL answer your email. Email us--we want to be bothered.



December 18, 2014 - Stephen Colbert's Emmy-winning, genre-busting Comedy Central show airs its last tonight, meaning the Brooks Brothers-suited host will be off the grid for some time before he shakes his pundit-spoofing persona and takes over for David Letterman as host of the Late Show.


In this photo provided by the National Park Service, visitors to Mather Point on the South Rim of Grand Canyon National Park, in Ariz., view a rare weather phenomenon - a sea of thick clouds filling the canyon just below the rim, Thursday, Dec. 11, 2014.


Getting a home loan should get easier heading into 2015, making the dream of homeownership a reality for more people. New guidelines are less strict than they have been in recent years. So people who donít have a perfect credit score and couldnít qualify for a loan in the past may be able to now.




Senior Tips Links -  Fun - Humor

 Videos  -  Adventure


20 TOP Weekly Travel Deals (updated every Wed PM)

Over 4,999  Senior Citizens Links

 Links to 33 Major News Sources, plus

Today's Senior  Health and World News 

The most complete current news on Medicare and

Social Security that you will find---ANYWHERE!

Huge Caregiver Resource


57 Hobby Tips and Ideas for Seniors

Senior Inspirational Messages 

This Week: ""Be Anxious for Nothing"" 

  Hundreds of pages, growing daily.

       Chock full of information for Senior survival and fun in retirement.


       H: humor  U: updated  P: Pictures

     Is it the FLU or a COMMON COLD?
    26 Happiest Animals in the World  (humor)
    102 Things Not To Do if You Hate Taxes
    Laugh at Crazy Product Labels
    Those Crazy Mailboxes (such imagination!)
    Finding Winter Light    when the days shorten
    10 Social Security Facts You Need to Know
    Find New Life! - Beat Your Addiction - Today!
    Why I should write a daily gratitude list
    SeniorArk Editor's Daily Comment Page










  Funny Stuff Seen on Signs - Have a Laugh
  Funny Double-Takes- WHAT was THAT?  H, U, P
  SeniorArk needs your advice  U
  Stretch you Prescription Drug Benefit
  Save Your Life - - Get a Carbon Monoxide Alarm
  The New Retirement Mecca. WHY?  U
  U.S. # 41 in Life Expectancy U
  Do-It-Yourself Home Energy Audit
  Top 10 health mistakes made by Seniors
  Change those smoke detector batteries NOW

  Wholesale Natural Gas at multi-year low.

   Why are you not benefiting???  U

  Retire to great town for less than $50,000

 Eastern Standard Time>>

MiamiPittsburgh Atlanta,

BangorNew York, Quebec, Toronto, HavanaColumbia, Peru, Jamaica, Boston Detroit, Louisville, Washington, D.C. 

New Castle, PA


See your sunrise-sunset

  Clock requires  free

  Adobe Flash Player

  Click -  Accuweather

Click - Today's high temps

Click - Today's low temps

  Click - Today's Air Quality

Click - Current Radar Loop



    At 92 she beat stage IV cancer

Her Oncologist gave her little hope for recovery, but  the cancer vanished. Was it God, the doctor, resveratrol or carboplatin? You tell me.

A story of great hope for all who are fighting this terrible affliction.


    94 Ways to Save Money on Utilities TODAY

     LATEST Medicare and  part "D" NEWS

     Major Health News Section

    Our daily search on the web for the

           latest news of value to seniors

     Avoid medication errors

     Housing on Less than a Shoestring

     15 Bohemian Bargain Cities - Forbes

    Survive a fall into the "doughnut hole"      

    Senior Citizen Help with utilities

     PART D - total 2010 information

    10 ways to get a reduction on your real

           estate tax

    Seniors need a decent COMPUTER 

     Read why you will want to print a free:

          *Personal Medical Organizer

         *Prescription Organizer  

     LIHEAP Home Energy Saving Tips  and for more

       savings see  Senior Utilities Tips


     Fighting Cancer: Is this a Miracle Substance?


    SeniorArk needs your advice today 



TODAY'S IMPORTANT NUMBERS  -   Friday December 19, 2014 *********************************************

* 40% - Americans throw away 40% of food every year, worth $165 Billion. Could feed at least 75,000,000 humans.

* 3 - Most abundant elements in known universe: hydrogen, helium, oxygen. (BBC News, Science and Environment)

* 3,000 Approximate number of people killed by terrorists on 9/11/2001

* 440,000 -  Approximate number of Americans killed BY GUNS, BY EACH OTHER, AT HOME, since 9-11-01 

* 37 Days - Time it takes for 3,000 Americans to be killed by guns.

* 1 - There is only one way to say RE-COG-NIZE. Reconize does not exist.

* 1 - There is only one way to say NU-CLE-AR. Nucular does not exist.

*  #1 offender - Wal-Mart is #1 with employees receiving state-funded health care in every state that released the data.

* 70% - Of all products sold at Wal-Mart are imported from China, the largest Communist country in the world.

* 17.4 million. American homes that have difficulty putting food on the table every day.

* 46 million - Americans living in poverty.

* 40 - American billionaires who have agreed to donate half their fortunes to charity

* 12,000 - Number of boomers who begin collecting Social Security every day

* All but 4 - Number of Republican Representatives who voted to replace Medicare with a voucher instead in 2011.

* 0 - Number of Democrats who voted to replace Medicare with a voucher instead.

* 3,000,000 - Soft drink vending machines in the U.S. One for every 100 people.

* 237 - Miles the average European walks per year

* 87 - Miles the average American walks per year

* 87 - Number of Americans who die from a gun EVERY DAY.

* 27% - Gift cards never redeemed in the U.S.. Over $8 Billion worth of gift cards were never used from 2006.

* $800 - $1000 per MONTH. Amount Medicare Advantage insurers are paid by Medicare for your care.

* $772,000,000 - Amount AARP was paid by health insurance companies in 2008. Beware their opinions on this subject.

2.1 - USA spends $2.1 trillion/year on health care. Double per person spent in any other country.

50 million - # of Americans on government-run health insurance - It's called Medicare! It works...very well!

49 - years Medicare has served the needs of America's Seniors - July 30, 2014 > 49th birthday

* 43rd - U.S. life expectancy - 42 nations are higher. We wonder why this is so if we have best  healthcare system.



Do you know there are now 9 news sections on www.seniorark.com?

Volunteers scour the web EVERY DAY to find the most important and interesting articles for Seniors


Primary News Sections

    The Home Page you are now viewing, for the very latest news for Seniors

    The "News" page for today's news on health and other items of interest

    Up-to-date news on Medicare, including Part D information (last section)

    Up-to-date news on Social Security, including other pension related news (last section)

    News on Senior Health Issues, (last section), older than the current "news" page

Archived News Sections - Articles you remember reading somewhere, but can no longer find.

    Hot News items that have been moved very recently from the page you are now reading

    Older Medicare News

    Older Health Articles with summary

    Older Health Articles listed, without a summary


**15 ways to survive a fall into that dreaded abyss**

December 19, 2014 

Yes,  Part  "D" is a bizarre system, crafted by a slight-of-hand Congress,  mostly  written by the  drug  and  insurance companies.  It can be overwhelming to the Senior who needs more than a minimal amount of medication each year. But do not despair. There are specific things you can do today to survive this convoluted program, and the doughnut hole at its center. Read Complete Article

Also, what you do today can slow, or prevent, a fall into the doughnut (donut) hole. See: Surviving Medicare Part "D". 



The Centers for Medicare & Medicaid Services and the Congressional Budget Office have estimated, respectively, that about 2.6 million to over 4 million individuals who may qualify for the Medicare prescription drug low-income subsidy are not receiving it. Various barriers, such as reluctance to disclose personal financial information or lack of knowledge of the subsidy, may prevent potentially eligible Medicare beneficiaries from applying for the subsidy. To view the highlights of the report, go to: http://www.gao.gov/highlights/d08812thigh.pdf.

To see if you qualify, or to apply, go to: http://www.socialsecurity.gov/prescriptionhelp/

     Also see: Latest Health News , Latest Medicare News , Latest Social Security News 



SeniorArk FunSpot  

Updated:  12/19/2014   Also, enjoy our massive: "just for fun" , "humor", "photos" sections






Shared by Eric Fassbaugh, San Diego




Ho Ho Ho!


Whatta Face


We humans could learn something here


"You keep a look-out, and I'll grab the fat one."

For more, go to:  Fun Pages, or Humor Pages, or Funny Images , or Funny Videos

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