Published on October 10, 2025

🦢 Ever had a swan steal your stroopwaffel 🧇😄?

Groetjes (that means “greetings” in Dutch) …

May the sun🌞 be shining on you, may your bicycle be covered in flowers🌷, and may your Medicare Insurance Coverage be protecting you like the dykes 🛤️ protect my mother’s hometown, Amsterdam.

Speaking of floods🌊, the Annual Election Period begins next Wednesday, October 15th. If you received a letter that your plan is going away,  please book a time on my calendar.

Not sure you need an appointment🤔?  Email Gray any changes in your medications💊 or physicians🧑‍⚕️to Gray@TheBig65.com.

We will review your info and we will let you know if we need to speak.  We have until December 7th, so don’t worry.

I was walking the canals of my late mother’s hometown and came upon this spectacle. Perhaps he’s a little understated😜, but the Dutch do love their flowers and their bikes🚲!

A man wearing an orange coat taking a picture of pink flowers.

On this visit, I fulfilled a lifetime dream… to overnight in a houseboat!  The bed was on cables above the bathtub (I had to pull it down to sleep) and my office was the window sill looking out over the canal. Check out this video if you want to see the space.

A picture of Karl Bruns-Kyler, the renowned Medicare insurance broker.

While chatting with a client in Florida, I nearly spit out my coffee 😮 when this swan stuck his head in the window and tried to grab my stroopwaffel!  Sometimes, you just have to say no to nature, right?

A swan looking through a window.

It was bittersweet to see my dear friend Leo. Earlier in the year, he lost his spouse and, though he is adjusting admirably to life on his own, we all know how hard it is to lose the love of your life.

Remember to tell the people you love how much you love them today! We never know what happens tomorrow.

Leo, wearing a greenish shirt, cutting a cake with a knife.

While walking the canals, I came across the Singelkerk, the 400 year old Mennonite secret house church where my mother and her family worshipped before they emigrated to Wooster, Ohio in the early 50’s.

A sign with the words Singelkerk hanging from a brick building.

It warmed my heart to sit in a pew where I’m sure she must have sat, reminding me of the song, “Will the Circle Be Unbroken.”

Karl standing in the worship house his mother used to worship in.

As a school girl during the Second World War, mom walked past Anne Frank’s house every day on the way to school, not knowing about the family hidden inside.

A white sign displaying the numbers 263.

Meanwhile, back home in Colorado, Q reported that all is well. Miti, our exchange student from Madagascar, is enjoying high school and running on the cross country team.

Can you imagine growing up in an orphanage in one of the poorest countries in the world and suddenly living in the US? Talk about culture change!

Her English is getting better and better. Miti is a thoughtful young woman and we are very proud of the progress she is making.

Miti running as part of her cross country team.

While running her weekly Meals on Wheels route, Quantz saw a bunch of screaming Magpies heckling a small animal. After scaring away the birds, a frightened, friendly ferret jumped right into her arms and quickly fell asleep.

Q knocked on all the neighborhood doors but no one had any idea to whom the ferret belonged.

Q put out messages on Facebook, but she informed me if no one responds, we have a new pet named Fluffy😨! Dang!

That’s what I get for leaving Quantz at home unattended!

Quantz holding a ferret.

So it goes in the Bruns-Kyler house: life is constantly filled with surprises😲.

Remember: It’s not what happens, but how we choose to respond.

Live like my buddy Dave the dog trainer. If the world went to hell, he’s the guy you’d want at your side.

Despite all the noise, there’s plenty of love and meaning in this world, but it’s up to us to find it! What are you waiting for?

Dave with a beautiful big black dog sitting on his lap.

Keep squeezing the juice🍊 out of life and look for ways to help others.

If family or friends need help… referrals are the lifeblood of my business.

If you know someone who might like to receive The Big 65 newsletter, forward this link.

Medicare questions or problems?

Book a time on my calendar or email Gray, Gray@theBig65.com.

Let us know what’s going on and please send pictures :).

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
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Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including:

Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Florida
Georgia
Idaho
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maryland
Michigan
Minnesota
Missouri
Montana
Nevada
New Hampshire
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Washington
Wisconsin

The Big 65 Medicare Insurance Services does not offer every plan available in your area. Currently, we represent 10 organizations that offer 50 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Logo for The Big 65 Medicare Insurance Services.

About the Author

Karl Bruns-Kyler is a licensed independent Medicare insurance broker with over 20 years of experience helping clients make confident, informed healthcare decisions. Based in Highlands Ranch, Colorado, Karl works with Medicare recipients across more than 30 states, offering personalized guidance to help them avoid costly mistakes, find the right coverage, and maximize their benefits. Connect on LinkedIn