How To Use Your Crystallized Intelligence

I hope you’ve been avoiding the Medicare trolls and incessant telemarketers. Beware of anyone who promises too much! Meanwhile, Plato says Happy SNowvember

Here are a few stories that may inspire you to use your crystallized intelligence.

Last Saturday, when we were walking, we ran into a buddy who saved his newly born grandchild’s life. The baby was born prematurely and was not putting on weight. After one ounce of milk, the baby stopped nursing and the newly minted doctor ordered a feeding tube but the feeding tube was not fixing the problem. The baby was still losing weight.

My buddy had been actively involved in the feeding and the care of all sixteen of his other grandchildren and he took the doctor to task.

He asked for the chance to remedy the situation by being allowed to take over the feeding. In one night, using the learning of a lifetime, Bill turned the situation around.

When morning came around, his grandbaby had consumed 2 and 1/2 bottles of formula and was on the road to living. No feeding tube was needed after Bill worked his magic.

Plato Happy Snowvember from The Big 65

We often think of aging as a diminishing process. However, don’t underestimate the power of crystallized intelligence … the wisdom we have gained over a lifetime.

In our younger years, it’s our fluid intelligence that helps us succeed. As we age, crystallized intelligence makes us specialists in certain areas and the onus is upon us to use that wisdom for good.

Since I’ve already made every mistake in the book, I try to use what I have learned to mentor the lives of younger people (and of course to help all of you with Medicare).

Aging well should also include growth, learning and trying new things, but do look for ways to share what you have learned over life with your tribe. How are you going to help others?

Here’s how Martin has helped ...

Martin is a buddy of mine in France. He bought this barren farm in 1992 when he had a still had a head full of hair. Over the next thirty years, he worked as a teacher and spent his free time transforming the land into a forest. Martin jokes that though he lost hair, he regrew it on the land. That, to me, is a legacy.

Famed psychologist Raymond Cattell describes crystallized intelligence as what we acquire from past experiences, through knowledge, and culture.

There are more ways we can learn to use our crystallized intelligence for enriching the lives of our fellow humans.

Tom’s Halloween Masterpiece …

Tom's Halloween Masterpiece That Kids Love

Neighbor Tom takes pleasure every year in building a Halloween spectacle. Though his kids have been out of the house for quite a while, Tom has created a masterpiece that brings joy to everyone who sees it. Each year, his monster madness is more amazing than the year before.

Ed and Perri walking with their dog_neighbors of The Big 65

Ed and Perri are neighbors. We usually run into each other out on the trails with our dogs. Though I don’t know them well, I always enjoy our casual conversations. Everything I read says these connections are essential to living well, to staying connected. So, keep looking for ways to stay connected, that is the secret sauce.

You all know that I love Colorado, but if you are looking for “Almost Heaven…”

Shenandoah Valley in Virginia_The Big 65 Medicare Broker

You have to go where I grew up, the Shenandoah Valley, the edge of West Virginia.

Haas in Virginia_brother of Karl and a friend of The Big 65

My little brother Haas lives deep in the Valley and he’s loving his new puppy, Georgia, even when she causes trouble. He takes her everywhere he goes.

Haas with Georgia in Virginia_The Big 65 Medicare Insurance Broker

Georgia says watch out for “Medicare bull” and don’t underestimate the power of your own crystallized intelligence. And let me know what’s going on in your world and how I can help. 

Please forward this newsletter to all your friends and family! Remember, referrals are the lifeblood of my business. And thank you.

Have a great week, be safe, and call me if you need me.

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here

Karl Bruns-Kyler is a Medicare insurance broker licensed to help Medicare recipients in twenty-two states around the country. States served by Karl include:

New Jersey
New York
North Carolina
South Carolina

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact or 1-800-MEDICARE to get information on all your options.

Pennsylvania Medicare insurance agent Karl Kyler


Will You Be Remembered?

May this note find you well despite the floods, the fires and COVID.

I’m getting a lot of calls from Medicare Clients asking if they need to change their coverage.

Most people won’t need to change their coverage, but many will!

Here are the some of the reasons you might need to review your Medicare Coverage in October:

1. Your drugs have changed or gotten expensive.
2. Your doctors have changed or they have stopped taking your current plan.
3. The premiums on your current Medicare Insurance plan seem really expensive.
4. You receive the annual notice of changes in your plan and your copays have gone up.
5. You are getting bombarded by call centers and you want peace of mind 😊.

The good news is the Annual Election Period is still over a month away so let me know if you have question or book a time on my calendar here.

But in the meantime…

Recording the story of your life can make a huge difference in the lives of your children and grandchildren.

Some my most precious memories are the stories my mother shared…

Living through World War II as child in Amsterdam.
Walking past Anne Frank’s house on the way to school.
Coming to the US on the Queen Mary as a teenager.

Now I’m doing my best to record those stories for my kids.

Here’s an article on how you can do the same.

That’s it for this week and please reach out if you need me.

It’s time to get out!

I hope this note finds you well despite the madness of the times.

Hopefully your Medicare coverage is working well.

If not, feel free to book a time on my calendar and get your questions answered.

In the meantime, click on the picture above and to learn what you can do to make life better.

It is that simple, get vaccinated and start living again.

There are so many nature centers and natural parks that are waiting to be explored.

Remember that Seniors, even super healthy ones are more at risk than the general population.

So protect yourself and start living well.

If you’re on Medicare, here’s how to get Covid vaccinated quickly!

Now that Covid VACCINATIONS are finally rolling out, it’s imperative that Medicare consumers be proactive about getting vaccinated.

As a Certified Senior Advisor, my job is to make certain you have access to the resources that are important to you.

So if  getting vaccinated is important to you, click on the picture below to learn the steps you can take to get your COVID vaccination more quickly.

The first step should be to contact your primary care professional. Find out what it takes to get on the list.

If you discover the wait for the Covid vaccine will be inordinately long, the next step is to find out if there are other state approved Covid vaccination dispensaries.

The good news is that Kaiser Permanente has stepped up in many states to fill the role of an approved vaccination dispensary even for non Kaiser Permanente patients.

Age regulations vary by state. Some states require Medicare consumers to be 70, for others it is only age 65.

Get the number of your local Kaiser facility and ask them about this program. By doing so, you may get vaccinated a lot quicker.

If you have questions about vaccinations or your Medicare Coverage, click here to schedule a complimentary coverage review.

I’ll help you take the mystery out of Medicare.

It’s time to protect your house

I hope you are having a great week despite this crazy year and Happy Halloween!

Thank goodness we’ve had six inches of snow and that has helped to slow down the fires. Sadly, many people here have lost homes and bad things are happening in the south because of the hurricanes.

If you want to make certain your home is protected from catastrophic loss, click on the picture below and find out what I discovered.

Except for losing a family member, few things are harder than losing your home or having it destroyed by a natural disaster.

Nevertheless, it’s estimated that 40% of American homes are under insured.  That means if something happens to your home, the insurance refund you receive may not be enough to cover the cost of repairing or rebuilding your home.

If you’ve updated your home or you haven’t reviewed your Property and Casualty insurance in a while, now is the time to act.

Use your phone to make a video recording from basement to attic of all of your possessions (even your clothes) and talk to your agent (remember I only do Medicare).

Here’s a great article  to help you protect your home.

That’s it for this week. If you or your friends need a review of your Medicare coverage, book a time on my calendar.

Happy Halloween!

The secret to survival may be self care and a news fast!

Covid-19 is a game changer. It is particularly
hard on Seniors and those with compromised
immune systems or comorbid health conditions.

Things will probably get worse,but you don’t
have to get worse.

The answer is self care. Get plenty of sleep,
eat well and exercise.

Take a few minutes each day to give thanks for
the things you do have, family, a home, food,
water, plus decent health insurance, at least
you do if you work with me you have great
Medicare coverage :).

Pray, meditate or do both. Most important, go
on a news fast. Really! If you live and breathe
only the constant Covid-19 news cycle, it’s
going to eat your sole.

I took a two day news break last weekend and
my wife told me I was a much happier person.
It certainly reduced my stress.

Check the news twice a day, briefly, but do not
let it eat you alive. You and your family will
be happier, I promise.

The Big 65 Medicare Insurance Services does not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact or 1-800-MEDICARE to get information on all your options.