Karl Bruns-Kyler Archives

Protect Your Identity with These Simple Steps

Greetings and may this note find you in amazing health with your Medicare insurance coverage working properly.

For Medicare questions, quotes, or quandaries, email Gray@TheBig65.com or book a time on my calendar and we’ll get it sorted.

The country of Georgia is the birthplace of wine 🍾 and this wine jar is 8,000 years old, making it the oldest known wine jar in the world.

You may want to grab a glass of 🍷, a seat, and a notepad before we talk about today’s topic.

As a Certified Senior Advisor who helps consumers shop for Medicare Supplements, Medicare Advantage Plans, and other types of insurance coverage, I have a fiduciary responsibility to help you avoid irreversible mistakes.

Earlier this week, the breach of National Public Data was reported. Hackers potentially accessed the personal information of millions, including Social Security numbers 😱.

While the details are still murky, one thing is clear: we need to stay vigilant about protecting our credit and personal information.

Now before you follow Frank Sinatra’s advice about a second glass below, here are some practical ideas on how to protect your data and how to make sure this breach doesn’t cause you a financial hangover‍ 😵‍💫💸.

First off, take a deep breath 😮‍💨🧘‍♂️.

Not every piece of stolen data gets used. Sometimes, it just sits in the hands of thieves who don’t know what to do with it. But it’s always better to be safe than sorry. Here’s something you can do immediately to protect your finances.

Freeze Your Credit

One of the best defenses against identity theft is to freeze your credit with the big three credit reporting agencies:

Equifax: Visit www.equifax.com or call 1-800-685-1111.
Experian: Go to www.experian.com or call 1-888-397-3742.
TransUnion: Access www.transunion.com or call 1-888-909-8872.

Each website provides detailed instructions for managing your credit, including how to freeze or unfreeze your credit reports.

This stops anyone from opening new accounts in your name without your permission. Just don’t forget your PINs for thawing your credit when you need to open a new account!

(We met Donnie and Linda in Tbilisi, Georgia on the last day of their trip. Their daughter and her new husband had their wedding in the mountains of Georgia, near Russia. These two are adventurous!)

Additional Steps to Protect Yourself

Enable Two-Factor Authentication: Add an extra layer of security to your online accounts.

Set Up Account Alerts: Keep tabs on any suspicious activity by setting alerts for charges outside your home country or transactions over a certain amount.

Watch Out for Phishing Scams: If you get an alert, avoid clicking links or calling numbers provided. Instead, log into your account directly to check for issues.

It’s a bit of a hassle, but it may be worth the peace of mind.

Commercial Tools to Consider

If you want even more protection, consider investing in tools like:

Identity Theft Protection Services (e.g., LifeLock, IdentityForce) that offer monitoring and recovery services.

Credit Monitoring Services (e.g., Credit Karma, Experian) to keep an eye on your credit report for any unusual activity.

Just like Q’s salad, you don’t have to take these steps, but they are options 😂.

While we can’t always prevent these breaches, we can make it as difficult as possible for thieves to mess with our lives.

The key to life is NOT what happens to us but how we choose to respond. Be like Becky and go pick some blueberries in Michigan. They are great for the brain and being outside is good for the soul.

My brother’s neighbor adopted a pair of orphaned opossums. Hopefully my wife Q doesn’t volunteer to rescue them. Our dog Plato would be totally jealous.

We had wonderful adventure this summer exploring the world, but yours truly is ready to get home. The Annual Election Period is now eight weeks away and I have to get ready for the Medicare madness 🤪.

Based on my certification trainings, there may be significant changes to Part D drug plans and Medicare Advantage plans for 2025. Keep an eye out for the “Annual Notice of Changes” you should be receiving in late September.

If you’ve had changes in medications or your doctors, please update them with Gray, Gray@TheBig65.com. That way, we’ll be ready if we need to review your coverage in the fall.

I can’t wait to get home, but Q, the love of my life, isn’t quite ready. She still has to make up for her thirty years of corporate slavery. Georgia was her 79th country. That’s why she said “goodbye” to me on Monday .

Bet you can’t guess where she’s goin’ next?

The first five people who guess right get a Starbucks card☕(hint: they have lousy Wi-Fi so I couldn’t go!). You can guess up to three countries to make it easier! I’ll be at home playing with Plato and my bees❤️. Let me know if you need me.

And do 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
Happy with my Service? Click Here to Leave a Review.

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
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.

Do you really need that preventive screening?

As they say in Georgia, გამარჯობა gamarjoba. May this blog find you in amazing health 💪 with your Medicare insurance coverage 🏥 working properly.

For Medicare questions, quotes, or quandaries, email Gray@TheBig65.com or book a time on my calendar and we’ll get it sorted.

No, my wife Q and I are not in Atlanta. Instead, I’m working from Tbilisi, Georgia, the oldest Christian country in the world, half way round the world.

Here in Liberty Square, there used to be a statue of Lenin. When the people threw off the communist yolk, the citizens replaced him with a statue of St. George (and the Dragon), the patron saint of the nation.

Georgians trace their lineage back to Kartlos, who is considered a great-grandson of Noah. It’s a fascinating place.

So after helping Medicare clients all over the US, I then love to walk this 1,600 year old city late at night in search of local food, like this khachapuri, cheese bread, yummy and inexpensive.

If you ever see a Georgian restaurant or food truck, try the khinkali, soup filled meat dumplings that are addictive and delicious.

What surprised us most about Tbilisi? The food️ 🍽️, the wine 🍷, the buildings️ 🏛️?

Actually, it was all the well-kept street dogs 🐶😲! Even on the Peace Bridge in the middle of the night, the dogs were everywhere.

This is so different from the way we keep our dogs in the US. See Stevie below, the amazing rescue Huskey who loves to watch TV animal shows (and is spoiled by clients’ Ron and Karen in northern California).

These Georgia dogs (not to be confused with my Georgia College football Bulldawgs in Athens) live outside on the streets as protected mascots of the city.

They are chipped, spayed, or neutered, and receive food, vet care, and vaccinations to keep them healthy.

Which brings us to today’s topic: preventive health screenings.

Whether you have a Medicare Supplement or a Medicare Advantage Plan, preventive health screenings are an essential part of wellness.

Appropriate preventive screenings track health risks, manage chronic health issues, and reduce the risk of an acute visit to the Emergency Room.

That’s the upside of preventive screenings. A recent article questions whether American health consumers are being screened too often for certain cancers.

In 2021, the United States spent $43 billion on screening for five types of cancer—breast, cervical, colorectal, lung, and prostate—according to a study published in The Annals of Internal Medicine. This figure represents a significant portion of the annual expenditure on cancer care, which likely exceeds $250 billion.

Colonoscopies, my least favorite procedure, account for 55% of the total screening expenditures.

This dog, next to Q, slept like a rock, until lunch was served, then suddenly he was awake. Coincidence?

Despite the high costs of screenings, experts argue colonoscopies are valuable as they can both detect and prevent cancer by allowing surgeons to act quickly.

These old stairs in the back streets of Tbilisi made me think of a colonoscopy or maybe an Escher drawing! Better be friends with your neighbors here.

The U.S. Preventive Services Task Force supports screening for four of the five cancers studied, particularly highlighting its effectiveness for cervical and colorectal cancer. However, the benefits for prostate cancer remain inconclusive, and the task force is currently updating its guidelines.

As a Medicare Insurance broker, I hear from you daily on the successes and the frustrations of navigating the healthcare system. It’s challenging to know the right thing to do, isn’t it?

Perhaps some contemplation and prayer in the Sioni Cathedral, built in the 7th century? It certainly couldn’t hurt.

Now, experts are advocating for a more nuanced discussion on the true value of cancer screening.

While screening does have benefits, its impact on overall mortality is often modest, suggesting that other factors, such as improved treatments and lifestyle changes, also play crucial roles in reducing cancer death rates.

So what should we do as consumers when it comes to preventive screening?

Well, you could ask our tour guide Giorgi (one out of every 12 Georgian men is named Giorgi!), but I don’t think he would know. Here’s our advice:

The next time you get a notification to have a preventive screening, talk to your doctor.

If you’re in an actual appointment, get your healthcare practitioner to look up from his or her dadburn screen and say:

“Hey Doc, if you were in my situation, or, if it was your mom or dad in this situation, would you have them complete this preventive screening? What would you do, really?”

You might be surprised by their response. The bottom line: every Medicare consumer needs to self advocate. Challenge the system and ask good questions. Don’t be shy. Get your provider to slow down and treat you like a human.

That’s how the Georgians threw off the commies (maybe not exactly, but you get my drift). I’m rooting for them and their freedom and you know I’m rooting for you and your health!

In the meantime, wake up and smell the flowers, life is short!

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
Happy with my Service? Click Here to Leave a Review.

Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including:

We went to the wrong city 40 years too late and this is what we learned

Hello and may this blog find you in amazing health 💪 with your Medicare insurance coverage 🏥 working properly.

For Medicare questions, quotes, or quandaries, email Gray@TheBig65.com or book a time on my calendar and we’ll get it sorted.

Are you watching the Summer Olympics in Paris?

Q and I were hoping to compete in the bobsled competition. Turns out we went to the wrong city, for the wrong Olympics, and we were forty years too late.

Sarajevo (in the former Yugoslavia) hosted the Winter Olympics in 1984. Do you remember watching the bobsled races?

This bobsled track was once a site of glory but fell into ruin and disrepair due to war and neglect. During the war, it was used by the Serbs as a bunker from which to attack the Bosnians. After the war, the graffiti artists took over.

Our health is like a track, if we don’t take care of it, it will break down.

In the book “Good Energy,” author Dr. Casey Means explains the importance of metabolic health, how everyday choices affect our health and energy levels.

According to the book, 93% of Americans have poor metabolic health, leading to fatigue, weight gain, and chronic illnesses.

The good news is that, just as a war torn country in the Balkans can mend, focusing on small steps will increase energy levels, improve mood, and raise our overall well-being.

In the picture below, yours truly is standing in the footsteps of the assassin who shot the Austrian Arch Duke triggering World War I. Thanks goodness our former President wasn’t assassinated. That would not have been good for our country.

Here are the key take aways:

Foundations of Health: Dr. Means emphasizes the importance of foundational health practices such as balanced nutrition, regular exercise, adequate sleep, and stress management.

This is the bridge of Mostar, bombed during the Yugoslavian war in the early 1990’s, now fully restored. It is now a symbol of peace and hope.

Nutrition and Energy: The book delves into how different foods impact energy levels, with a focus on whole, unprocessed foods that stabilize blood sugar and support metabolic health.

If you ever get to the Balkans, the vegetables and the olives are amazing. I’m not sure that beer is a vegetable (flexible mind, right 😉😂).

Gut Health: Gut health is highlighted as a cornerstone of overall well-being, affecting everything from energy levels to mental clarity and immune function.

Burek is a savory pastry made of thin, flaky dough layers. It is typically filled with beef or lamb, cheese, spinach, or potatoes. I can’t comment on its healthiness, but it is the ultimate Balkan comfort food.

As we always say at The Big 65, everything in moderation, even moderation 😊.

Mind-Body Connection: “Good Energy” also explores the intricate connection between mental health and physical well-being, offering strategies to enhance both through mindful practices and positive lifestyle changes.

My German dad was a chess fanatic so it was great fun watching these fellows in the square playing every day. They had a great time yelling, playing, and giving each other smack. I loved it. As my father always said, “they would’ve killed me like a chicken.”

For Medicare clients, understanding the holistic approach advocated by Dr. Means aligns with the wellness themes we frequently discuss in our blog (yes, like my wife Q says, I am a broken record 😊).

Here are the simple steps (and check out the chair yoga below).

Eat Real Food: Fill your plate with colorful vegetables, fruits, lean meats, and healthy fats.

Move Daily: Incorporate at least 30 minutes of physical activity into your day.

Prioritize Sleep: Create a relaxing bedtime routine to help you get better sleep.

Manage Stress: Find activities that relax you, whether it’s reading, gardening, or practicing mindfulness.

Don’t close the door on good health. In the old days, a strong metal door could have been the difference between life and death.

You should also watch the webinar we created on balance and mobility. These tools are the bedrock of wellness just like the pillars of health in Dr. Means’ book.

As we travel through Slovenia, Croatia, and Bosnia Herzegovina, again and again, we see the resilience of the human spirit and it gives us hope that these countries can continue to heal and improve the lives of all their inhabitants.

Despite hardship and challenge, it’s never too late for any of us to change our world or our health. Don’t ignore fires on the horizon (like this one in the hills of Mostar). If you do, you will get burned.

And in the meantime, 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
Happy with my Service? Click Here to Leave a Review.

Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including:

You asked for balance and here it is!

Hello and may this note find you in amazing health 💪 with your Medicare insurance coverage 🏥 working properly.

If you have Medicare questions, need quotes, or have quandaries, email Gray@TheBig65.com or book a time on my calendar and we’ll get it sorted.

You already know my mantra: getting old ain’t for sisses!

Q saw this woman climbing these ancient steps in Croatia. Isn’t she inspiring? I love to be reminded that “the world makes a way for a person who knows where they are going.”

My mom climbed steps every day until the day she died and we three brothers are convinced that’s what kept her going (plus a glass of wine and lots of love from her cats 🐱🍷❤️!)

Aging well is all about mobility and balance ⚖️ and the foundation of mobility is in our feet and ankles 👣. That’s why I am super excited to share this balance and mobility webinar we created exclusively for readers of the The Big 65’s newsletter.

Cate Reade, MS, RD, is a Registered Dietitian and Exercise Physiologist. She is the founder and CEO of MoveMor™, a company that focuses on improving functional mobility and reducing fall risks in older adults.

I met Cate at one of her mobility workshops at our local rec center. Her work and mission, helping people maintain and restore mobility, is so inspiring that I felt compelled to share her tools and techniques in this webinar.

Click on the picture below for this 20 minute webinar.

Statistics show that falls are the leading cause of fatal and non-fatal injuries among older adults. According to the CDC, one out of five (senior) falls causes a serious injury such as broken bones or a head injury. (My wife Q was recreating a ritual Roman animal sacrifice in Zadar. Thanks for the illustration honey!)

These injuries can significantly impact our ability to live independently and may even shorten our life expectancy. As Q and I explore the world, I am constantly reminded that we are only one step away from a tumble. It can happen to anyone at any time.

Loss of foot muscle strength (not lifting your toes high enough) and ankle mobility will greatly increase our chances of falling.

In addition to strengthening specific muscles, improving overall mobility is essential.

Regular physical activity, such as walking, yoga, or tai chi, can help maintain flexibility, strength, and coordination. These activities not only improve physical health but also enhance mental well-being, which is crucial for overall quality of life.

Remember small steps, repeated consistently, will have a huge impact. Here’s a shout out to Cheryl. She had knee replacement surgery earlier this month and she is being extra diligent doing her physical therapy. I know your husband is proud of you!

I hope you will watch the webinar because none of us ever want to be a burden to our families. The older we get, the greater our desire to maintain our independence. If you watch till the end, you’ll see Cate has a special offer just for readers of our blog!

I received a lot of positive feedback about last week’s blog, the importance of having your medical info available to first responders. Hats off (and a Starbucks card) to Jean in North Georgia showing us she is prepared. Well done Jean!

This week, we’ve been exploring the Dalmatian Coast, the Game of Thrones locales here in Croatia. Check out the caper plants growing out of the walls. The area is beautiful but I recommend NEVER coming here in summer! It’s too hot and there are too many people.

The locals tell us the best times to be here are late April/early May or late September, after the kids are back in school. Lesson learned.

In Split, we listened to a rehearsal of the opera Aida (by Giuseppe Verdi, first performed in Cairo in honor of the opening of the Suez Canal).

There’s a 3600 year old sphinx the Roman Emperor Diocletian took from Egypt and placed in this castle 1800 years ago. He was the only Emperor to ever retire and he got 10 good years in his hometown living in this remarkable place.

Our guide described him as a combination of Bill Gates and Vladimir Putin. I guess the world has always been on fire, carpe diem.

While hiking, we met a Polish guy with this number “32” shaved into the side of his head. I thought it was his favorite soccer player’s number. Turns out he was celebrating his 32nd wedding anniversary 😊❤️. Now that’s true love, right?

If you’ve every done this, send us a picture for the newsletter.

And in the meantime, 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
Happy with my Service? Click Here to Leave a Review.

Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including:

Here’s how to prepare for any emergency

Hello and may this note find you in great health with your Medicare insurance coverage working properly.

Any time you have Medicare questions, need quotes, or have quandaries, email Gray@TheBig65.com or book a time on my calendar and we’ll get it sorted.

I usually work late at night with clients when we are overseas, so I was a little groggy when we took this early morning tour of a Roman arena in Pula, Croatia.

Remember how Wiley Coyote could walk off a cliff into thin air in the Roadrunner cartoons, beep beep? It never ended well, did it?

Emergencies can strike unexpectedly, and when they do, seconds count.

First responders must gather critical information swiftly in chaotic situations.

Here’s a crucial tip paramedics shared in an article that could potentially save your life: make sure your medical information is easily accessible, at home and on the road!

Seconds Count: Why Preparation Matters

Time spent searching for medical details like allergies, meds, and existing conditions could mean the difference between life and death.

During emergencies like heart attacks or strokes, swift action can prevent irreversible brain damage.

Step 1: Document Your Details. Start by writing down essential information on a piece of paper:

Your name and date of birth
Medical history and existing conditions
Emergency contact number
Current meds, dosages, and any allergies

Include details like your blood type just in case you need a blood transfusion.

Step 2: Make It Accessible. Once you’ve compiled this info:

Wallet: Keep a smaller version in your wallet for immediate access.
Home: Place a larger copy on the fridge or near your front door, where paramedics are likely to look if you’re not able to communicate.

This simple step ensures that paramedics can quickly retrieve vital info without delay, potentially saving valuable time in critical situations.

Step 3: Use Technology to Your Advantage. In addition to physical copies, consider setting up your medical ID on your smartphone:

iPhone or Android: Enter your health details in the Medical ID section, accessible even without unlocking your phone. This feature can provide paramedics with crucial information at their fingertips.

We watched Euro Cup finals in the square, Spain vs. England. Ian was so happy when England tied the score, I thought he was going to have a heart attack! Sadly for him, Spain won!

Additional Tips for Emergency Preparedness. While having your medical information handy, paramedics also emphasize a few other practical tips:

Unlock Doors: If you’ve called 911, ensure your doors are unlocked to allow paramedics quick access.

Secure Pets: Keep pets safely contained during emergencies to avoid additional hazards.

Prepping for emergencies is a proactive step that could save your life. In emergencies, every second truly counts.

Whether you’re on the road or at home, making sure your medical information is readily available could be the most important gift you give your loved ones.

We don’t want them to have to ring the church bells for you!

Let me know if this tip was helpful. The first ten clients to send a picture of themselves and their medical info attached to the fridge will get a Starbucks card☕!

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
Happy with my Service? Click Here to Leave a Review.

Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including:

Paddle Taps: The Ultimate Pickleball Experience

The Big 65 is excited to be sponsoring Paddle Taps, the Midwest’s premier climate-controlled pickleball facility located in Worthington, Ohio.

This partnership marks a significant commitment by The Big 65 to promote active lifestyles and community wellness initiatives in central Ohio.

“I’ve been helping Medicare recipients for over 20 years and I’ve never seen anything that matches the excitement and enthusiasm generated by pickleball” said Karl Bruns-Kyler, founder and owner of The Big 65 Medicare Insurance Services.

“Pickleball is a great way to stay active, especially for seniors. And just as importantly, it’s a great way to meet people of all different ages” said Karl.

The Paddle Taps facility, based in Worthington, Ohio, offers 17 indoor courts and features a restaurant, bar, and pro shop for pickleball players of all levels.

The Big 65 is now the primary sponsor of Paddle Taps’ Silver Sneaker and Renew Active Open play.

Karl Bruns-Kyler is the owner of The Big 65, an insurance company that provides Medicare insurance services to thirty-one states around the country, including Ohio. Karl’s role as a health insurance broker is to match Medicare beneficiaries with the right Medicare plan at the lowest price. For more information, visit www.TheBig65.com.

Ignoring these health signals might kill you!

Hello! Hope you are surviving the summer heat in great health 💪 with your Medicare insurance coverage 🏥 properly.

For Medicare questions, quotes, or quandaries, email Gray@TheBig65.com or book a time on my calendar and we’ll get it sorted.

You know the saying, “when mama’s happy, everybody’s happy!” I do my best not to anger Quantz, but if you’re married for more than a few decades, it’s going to happen from time to time.

Of course when it happens, she’s certain to pull out the sword and slay the angry beast.

We’re soaking in the rich history and culture of Austria. We’ve visited some incredible historical sites, including this fascinating armory (32,000 sets of armor) and exhibits on the plague (it was bad). It’s been an enriching experience, especially since we were joined by our son Nicholas, who recently returned to England and is back to work on the Air Force flight line.

I’m doing my best here to emulate the panther of Graz, Austria, symbol of the city, and also Arnold Schwarzenegger’s hometown.

What makes me angry enough to look like the panther of Graz?

Well, when I hear from clients and friends and learn they’ve ignored serious health warning signs, that makes me growl🦁😠. Here are some warning signs you shouldn’t ignore.

Swelling in the leg, especially if it’s accompanied by pain, redness, and warmth, could be a sign of a blood clot, also known as deep vein thrombosis (DVT). DVT can be life-threatening if the clot breaks loose and travels to the lungs, causing a pulmonary embolism.

If you’re super healthy you may be more likely to ignore this, but do so at your own peril. Seek medical attention immediately.

A sudden, severe headache could be more than just a migraine. (Note: know when that headache comes from drinking beer while watching Euro Cup! Both my teams, Netherlands and Germany, lost 😢)

A sudden, severe headache might indicate a stroke, aneurysm, or other serious conditions. If your headache is accompanied by other symptoms like confusion, vision problems, difficulty speaking, or numbness, it’s crucial to get to a hospital right away.

Chest pain or discomfort can signal a heart attack, especially if it spreads to your arm, back, neck, or jaw. Other accompanying symptoms might include shortness of breath, sweating, nausea, or lightheadedness. Time is of the essence with heart-related issues, so don’t hesitate to call emergency services.

As they say, “slow you blow, fast you last!” Consider carrying aspirin in your purse or your wallet.

Unexplained shortness of breath, especially if it comes on suddenly, can be a sign of a pulmonary embolism, heart attack, or even a severe asthma attack. I was definitely out of breath climbing to the top of the Eagle’s Nest (Hitler’s mountain retreat), but this shortness of breath was earned honestly.

Any unexplainable difficulty breathing should be evaluated by a healthcare professional without delay.

If you experience sudden weakness or numbness, particularly on one side of the body, it could indicate a stroke. Strokes can cause permanent damage if not treated quickly. Look out for other stroke symptoms such as trouble speaking, dizziness, or loss of coordination.

Here’s a quick primer on stroke symptoms. Memorize the “Fast” warning signs!

Unexpected bruising or bleeding. This is a picture of Nicholas after he tried to take a selfie sitting on the top of a fence in Salzburg. He fell over backwards and rolled half way down the hill😂. Of course, as a healthy young’un, he was fine. If it had been me, I would’ve been in a world of hurt. He’s seen here recovering his earbuds.

If unexpected bruising or bleeding happens easily or for no apparent reason, it could indicate a blood disorder, infection, or other medical conditions. It’s important to get this checked out to rule out any serious underlying issues. Remember, don’t be a hero!

Understanding and recognizing these warning signs can save your life or the life of someone you love. During our travels, we’re reminded of the fragility of health and the importance of staying vigilant. Be proactive! (And watch your step when walking on stone steps!)

If you’re ever in doubt about a symptom, it’s always better to err on the side of caution and consult a healthcare professional. Regular check-ups and being attentive to your body’s signals are key to maintaining good health, especially as we age.

Take it from my big brother Dr. Rob (seen here diggin’ on his grandvarmint Nel): life is precious, take care of yourself and take care of others. We only get one shot at this life!

And please 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
Happy with my Service? Click Here to Leave a Review.

Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including:

The Hills are Alive…

Hello and may this blog find you in amazing health 💪 with your Medicare insurance coverage 🏥 working well.

For Medicare questions, quotes, or quandaries, email Gray@TheBig65.com or book a time on my calendar and we’ll get it sorted.

How was your Fourth of July? I hope no one you love ended up like the folks behind Nicholas and my wife Q.

The Bruns-Kyler family celebrated the holiday in the country where my grandmother was born before she emigrated to the US. Can you guess where we are?

I’ll give you a hint, remember this song: “The hills are alive with the sound of …🎵 “

That’s right, we are in Austria enjoying some time with our Air Force son so he can get some much needed R&R from the flight line he works on in Britain. It is a blessing to spend time with our son.

Salzburg inspired “The Sound of Music.” Hallstatt is famous because it was the inspiration for the movie “Frozen.” Believe it or not, I haven’t seen either movie.

Q says I’m a bit of a curmudgeon when it comes to feel-good movies, but that’s just how I roll. While they are out touring, I’m usually in a coffee shop on my laptop working on the 2025 Medicare certifications. I give thanks for good internet.

If you ask me what’s my favorite part of Europe, it’s the food that inspires me.

When I see all this fresh produce, I think about how I should be eating more non-processed foods. Doing so can bring significant health and cognitive benefits. Here’s how prioritizing fresh foods can enhance well-being.

Unlike processed foods, fresh foods are free from high levels of added sugars, unhealthy fats, and artificial additives.

• Fresh foods are typically lower in calories and higher in nutrients compared to processed foods. They help manage weight and reduce the risk of obesity.

• Fresh foods such as vegetables, fruits, nuts, and fish are low in unhealthy fats and sodium, promoting better heart health and reducing the risk of heart disease.

• Fresh foods are rich in fiber, which aids digestion and prevents constipation. Fiber-rich options like fruits, vegetables, legumes, and whole grains support a healthy gut microbiome.

• Fresh foods are packed with nutrients like omega-3 fatty acids, antioxidants, and vitamins that support brain health, improving memory and focus.

• Diets high in fresh foods are linked to a reduced risk of cognitive decline and dementia. Eating more fresh foods can help protect your brain as you age. That’s what it’s all about.

• Fresh, nutrient-rich foods positively impact mood and mental health. They help regulate neurotransmitters in the brain, reducing the risk of depression and anxiety. Eat well, feel better.

• Consider visiting farmers’ markets and local produce stands for fresh, seasonal fruits and vegetables.

• When shopping, choose products with the fewest ingredients and avoid items with added sugars, unhealthy fats, and artificial additives.

• Cooking at home allows you to use fresh ingredients and avoid unnecessary additives.

• Try new recipes that focus on fresh, whole foods. Incorporate a variety of fruits, vegetables, lean meats, and whole grains.

• Planning your meals for the week can help you make healthier choices and ensure you’re incorporating fresh foods.

• Have fresh fruits, nuts, and yogurt ready for quick, healthy snacks.

Of course you could be like my little brother Haas in Virginia and catch and prepare most of your own food. Whenever we visit him, we eat very well.

Switching to a diet rich in fresh, non-processed foods can be simple and rewarding. Start with small changes, like adding more fruits and vegetables to your meals or cooking a few more dinners at home each week. Your body and mind will thank you!

Of course, like my dad said, “everything in moderation, even moderation.” One of our former German exchange students, Chris, joined us in Vienna for a few days and it was a delight to see him and catch up on his time when he lived with our family in Roswell, Georgia. Where does the time go?

The young’uns have much faster metabolisms than us, so I was a bit jealous of the way they scarfed down the fries and the sausages (I’m keepin’ an eye on my triglycerides). Remember, gettin’ old ain’t for sissies, right?

Living well isn’t just about food, it’s about overall quality of life.

Claire sent this picture from Niagara Falls celebrating time with her family. Keep going Claire👍❤️!

And this weekend, please 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
Happy with my Service? Click Here to Leave a Review.

Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including:

Who is David Lippy? Get to Know the Expert

Hello and may this blog find you in amazing health 💪 with your Medicare insurance coverage 🏥 working well.

For Medicare questions, quotes, or quandaries, email Gray@TheBig65.com or book a time on my calendar and we’ll get it sorted.

Long time clients (and friends) Jack and Adrienne shared this amazing picture celebrating Jack’s mom Bonnie’s 100th Birthday 🎂🎉. Adrienne’s mom lived happily and well into her nineties so Jack and Adrienne have great role models!

Ever wonder what it takes to reach that magical milestone of 100 years? It’s not just about good genes or luck (of course they help). Let’s dive in to fun and practical tips to help us live well and perhaps make it to that centennial birthday.

Stay Active and Engaged

First things first – keep moving! Whether it’s a morning walk, gardening, or joining a pickleball league, staying active is crucial. The Big 65 recently sponsored a tournament in Columbus, Ohio. I hear from clients across the country how much they enjoy the game. I’m pleased to say David and Pam attended and participated.

Pam is actually a professional pickleball player and instructor. This woman is so fit she may never die 😊.

Regular physical activity helps maintain mobility, balance, and overall health. Plus, it’s a fantastic way to socialize.

Stay Connected

Maintain strong social ties. Family, friends, community groups—these connections keep us happy and grounded. I ran into Bill at Home Depot and just by reconnecting and saying hello, both of us felt better.

And if you enjoy traveling like my wife and I do, use it as an opportunity to meet new people and experience new things.

Last weekend, we attended a Bourbon and Bacon festival with Susanna and her boyfriend. All three of them practiced moderation, but I was a bit of a pig 🐷😂.

It was great to spend time with Sus and KC and while we were in the mountains, we discovered the world’s first aqua doodle 🐩💧, good old Plato!

Find Joy in the Little Things

Take time to enjoy the simple pleasures in life: a cup of coffee at a cozy café, a walk through town, or a quiet moment in your garden. These small moments add up to a fulfilling life.

Carmen has two beautiful grandchildren who live overseas. She recently celebrated the arrival of her first grand dog, Jamie. AFTER puppies are potty trained, THEN they reduce the blood pressure, right Carmen?

Regular Check ups

Stay on top of your health with regular check-ups. Early detection of potential issues can make a big difference. And of course, make sure your Medicare coverage is up to date to avoid any surprises. Preventive health checks are the most important thing we can do to maintain good health.

Living to 100 isn’t just about the years in your life but the life in your years. Embrace these tips, stay vibrant, and here’s to a long, healthy, and joyful journey ahead!

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

Refer a Friend: 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
Happy with my Service? Click Here to Leave a Review.

Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including:

Check out this festival where fun meets wellness!

Hope you had a great Father’s Day and may this blog find you in amazing health 💪 with your Medicare insurance coverage 🏥 working well.

For Medicare questions, quotes, or quandaries, email Gray@TheBig65.com or book a time on my calendar and we’ll get it sorted.

We had a delightful surprise Father’s Day visit from our daughter Sus, with pancakes and board games (she let me win once).

After that, she was back on the road home and life was back to normal (now cue the Jim Croce song, “And the cat’s in the cradle and the silver spoon 🎻💧…”)

My favorite Father’s Day was many years ago when the kids were still critter size and we climbed a volcano in Guatemala.

It felt like we were in a Lord of the Rings movie. It’s amazing how attentive your kids can be when threatened with being thrown into molten lava 😉, good times!

After Sus left, I went back to morning chores, and the usual quiet routines, building extra boxes for the bees.

You know the satisfaction that comes from building something yourself? This was way more fun than Medicare certifications for 2025 I’m working through when I’m not working with clients.

I’m not counting on any grapes because of the racoons, but I am cautiously optimistic we’ll have a good honey harvest this fall. I promise to share!

After lunch, Q made us attend a Scandinavian festival up in Golden, Colorado.

The event got me thinking about how much there is to gain from visiting summer festivals and doing something new near you (as long as you prepare for the heat).

It was a great fun sampling the food and watching the little people interact with the Vikings.

Check your newspaper and see what events are going on in your area, I double dare you. With a little luck, you’ll find yourself walking around, exploring different stalls, and participating in various activities. This can be a fun way to get some exercise without even realizing it.

Festivals are a feast for the senses. The sights, sounds, and smells can stimulate our brains and keep us mentally engaged. We loved watching these couples in traditional garb doing these amazing folk dances.

Whether it’s listening to live music, or trying out a new type of food, these experiences can help keep our minds sharp.

Festivals are also a great way to meet new people, bond with friends and family, and feel part of a community. Social connections can reduce feelings of loneliness and isolation, which are endemic in our screen based society. Even more important, building and maintaining relationships can lead to a longer, healthier, and happier life.

And best of all, you might accidentally discover a brewery on the way and go in for a tour! Now that is a perfect Father’s Day😉, especially when your wife is the designated driver 🛞!

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

Refer a Friend: 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
Happy with my Service? Click Here to Leave a Review.

Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including: