IDENTIFY THEFT – WAYS TO SAFEGUARD YOUR CREDIT AND PRIVATE INFORMATION
Identity theft happens when someone obtains sensitive personal
information, such as credit card data or personal identification
numbers to commit fraud or other crimes. With so many services and
products moving online, you may not remember every store you’ve
shopped at or the websites you’ve signed in, to thieves and hackers
can strike anywhere and at any time.
While no measures can guarantee protection against identity theft,
there are ways you can take action to safeguard your information and
have a strong line of defense.
Here are some tips stated by experts to prevent identity theft:
Keep track of your paper trail
If you prefer checking your ATM, credit card, or gas station receipts on
paper, then make sure you destroy them after you’re done checking.
Shred credit card statements, salary information, or documents that
contain private financial information often.
Safeguard your Social Security number
Avoid carrying your social security card with you all the time, keep it
in a secure place. This is very secure information that identity thieves
target first as it will give them access to your credit report and bank
accounts.
Watch your mail
Stolen mail is one of the easiest paths to steal an identity. Use a locked
mailbox or ask a trusted source to fetch your mail held if you’re out of
town.
USPS also informs delivery service which can give you a preview of your
so you can tell if anything is missing.
Track your bank and credit card statements
Check your account statements periodically to see if all purchases and
credits are valid. If you recognize irregularities in purchases that you
didn’t make, contact your bank and cancel your cards immediately.
Also make sure you recognize the merchants, locations, and purchases
listed.
Be cautious when asked for personal information
Even if you’ve signed up for phone banking, ensure that you read
through your bank’s verification procedure and do not divulge any
unnecessary information.
If salespeople or sign-up sheets require information such as Social
Security, driver’s license number, or any personal identification, only
reveal it if necessary.
Lock down your hardware
Since we use devices so often throughout the day, set up a password
protection for your phone, laptop, tablet, and other devices, Even if
you trust the people at home or work, there are threats of break-ins
putting your data at risk.
Downloading anti-malware apps and software is also good to have as they can
prevent criminals from stealing your data.
Social Media Safeguards
Secure your social media profiles (Facebook, Google, Dropbox, Apple ID,
Microsoft, Twitter) with two-factor authentication. That means that
whenever you log in, you’ll need a code that the site sends to your
mobile phone along with your password to enter. Although it may seem
time-consuming, it is better to be safe than sorry.
While social media is a great tool for sharing things about your life, the
more you share, the easier it will be for someone to get their hands on
your information. Keep your social media profile as barren as possible
and try not to divulge your birth date, email address, and phone number.
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SUPPORTING VETERANS SURVIVING WIDOWS
The death of a veteran brings numerous hardships for the surviving spouse. Apart from
immense grief, all surviving spouses will have to deal with a difficult financial future.
The widows of veterans sacrifice so much standing behind their partners during the
military period. Hence, the government provides essential benefits to honor veterans
by supporting their widows.
These programs offer financial stability, housing assistance, and access to healthcare
for surviving spouses. It is true that no amount of support can make up for the loss of
a beloved veteran spouse. However, these resources can help surviving partners when
navigating the challenging new reality.
How to Apply for Veterans’ Widows Benefits Many surviving spouses do not realize the variety of state and federal programs available
to them. The first step towards accessing this essential support is learning what benefits
widows qualify for and how to apply. Here are some of the most common benefits that
widows of veterans can get.
⦁ VA Widows Pension – Tax-free income for low-income widows lacking adequate financial
support.
⦁ Dependency and Indemnity Compensation – Monthly payment for widows whose veteran
spouse died from a service-related injury or illness.
⦁ Fry Scholarship – Provides Post-9/11 GI Bill benefits to children and surviving spouses of
fallen military members.
⦁ Survivors’ and Dependents’ Educational Assistance – Up to 45 months of education and
training opportunities.
⦁ Special Home Loans and Housing Grants – VA home loan funding and assistance securing
adapted housing.
⦁ Healthcare Coverage – Access to Tricare, VA health services, CHAMPVA, and bereavement
counseling.
⦁ Employment Help – Job training, resume development, skills translation, and career
guidance.
⦁ Bereavement Counseling – Access mental health services managing grief.
The requirements for these programs differ, but they aim to offer financial stability,
education,
well-being, and opportunity for veterans’ widows following their loss. Knowing what help
awaits can ease the burden as surviving military spouses learn to move forward.
Honoring a Veteran By Supporting Their Widow
Veterans sacrifice so military spouses can enjoy security and freedom at home. Tragically,
some partners do not get to enjoy this peace with their veteran following the end of their
service. Fallen and disabled veterans leave behind widows struggling to get by. Veterans’
widow’s benefits help grieving spouses avoid financial disaster while managing their grief,
health issues, career transitions, parenting challenges and more.
Friends and family members can provide an extra layer of practical and emotional support
along with federal and state assistance:
⦁ Help With Benefits Applications
Assist with compiling paperwork, contacting government offices and veteran organizations
to access widow benefits.
⦁ Share Healthcare Resources
Connect widows to physical, mental health, and caregiving services to manage conditions
like PTSD and injuries.
⦁ Offer Education & Employment Ideas
Brainstorm career options, skills training, and education paths to empower financial stability.
⦁ Contribute To Household Duties
Take over chores, errands rides to appointments, childcare, home maintenance, and clerical
tasks.
⦁ Fundraise For Extra Expenses:
Raise money through community fundraisers and online platforms to help offset uninsured
medical costs, home repairs, and other unexpected financial burdens.
⦁ Provide Companionship Opportunities
Invite widows to community groups, recreational events, and outings with other military
families to reduce isolation.
⦁ Listen Without Judgement
Be a compassionate ear to vent about frustrations navigating benefits, grief over losing
their veteran spouse and other challenges.
Even with government assistance, the loss of a veteran spouse leaves an incredibly painful
void. Helping widows secure and optimize federal benefits honors veterans by easing
their surviving partner’s financial and emotional struggle. Support from community
members makes a meaningful difference for military widows facing a long road ahead
without their beloved husband or wife by their side.
Securing Veterans’ Widows Benefits in Time of Need
Following the loss of a veteran spouse, widows deserve access to reliable resources that
offer both financial assistance and wellbeing support. Veterans sacrifice their own safety,
health, time with family and personal aspirations because they believe so firmly in
creating a better future for all Americans. Surviving widows carry on that legacy of hope
and selflessness as they slowly heal while managing a household without their veteran’s
steadying presence.
No amount of government money can make up for losing someone who dedicated their
life to serving our country in uniform. However, veteran’ widow’\ benefits help grieving
The Advantages and Benefits of Medicaid for Veterans Widows
and Seniors
Medicaid is a vital healthcare program that benefits millions of
Americans to cover their medical expenses. This program is jointly
offered by the state and federal government to facilitate Americans
with limited financial resources. This program benefits millions, including
pregnant women, children, widows, and seniors. These classes of people
usually face financial hardship due to poor health conditions, age effects,
and the loss of the only breadwinner of the family. In this guide, we are
going to unveil how to qualify for Medicaid. The coverage that this
program offers to veteran widows and seniors ensures they are provided
with necessary healthcare services, financial assistance, and long-term care.
Eligibility criteria for Medicaid
Knowing the immense benefits that Medicaid offers you must be
interested to know how to qualify for Medicaid. Well, to qualify for Medicaid
you need to be eligible for the program as per the eligibility criteria stated
by the federal government and states. Though some rules apply
America-wide each state has some differences in rules so it is better to
check the state rules while checking your eligibility for the program.
If you are eligible as per your state laws, then you can apply for Medicaid
either through your state or through the health insurance marketplace.
General eligibility criteria
The eligibility criteria surely vary a bit as per the state you are living in,
but the general criteria are shared in this section to give you a head start.
Are you eligible for Medicaid? If this question is swirling around your
brain, then read this through the end to find out.
Before going into specific details about veterans’ widows and seniors, it is
better to understand the general eligibility criteria.
Income level: The federal poverty level (FPL) is the benchmark against
which the income level of applicants is measured to ensure if they are eligible
or not. FPL is annually updated by the federal government as per the
economic circumstances. As of 2024, the FPL determined that a family of 4 is
$30,000 whereas for an individual it is $14,580 per annum.
To be eligible, your income should fall under a certain percentage of FPL.
The income level of applicants may vary depending on the applicant who is
applying. For instance, the criteria for veterans’ widows is different from
that for seniors.
Assets: Along with income level, your assets are also scrutinized to ensure
you are eligible for Medicaid. Assets include all financial belongings
including property, savings, and financial resources.
The assets are divided into two categories for evaluation namely countable
and exempt assets. Countable assets include savings accounts, liquid cash,
bonds, stocks, and property (non-residential). Whereas, exempt assets
include residential property, personal belongings, burial funds, and one
vehicle that is in use.
As the name suggests, countable assets are being accounted for whereas
exempt assets are not accounted for while evaluating assets for assessing
eligibility for Medicaid.
Citizenship: Medicaid facility is for all citizens of America. Along with citizens,
some types of legal immigrants are also eligible for this program and are
deemed citizens of the USA. In addition, the applicants should ensure that
they are residents of the state through which they are applying for Medicaid.
Age criteria: For seniors with age above 65 years, the facility Medicaid is
on a long-term basis.
Eligibility criteria for Veterans’ widows: The Veterans’ widow’s eligibility for
Medicaid is quite straightforward. They are eligible for this program if they
fall on the general criteria of income, assets, citizenship, and age as
mentioned above.
In addition, veteran widows can also qualify for VA benefits that complement
Medicaid coverage. They are eligible for VA dependency and indemnity
compensation (DIC) as a survivor benefit for losing their partner who in
most cases is the only breadwinner of the family. Based on VA DIC, the
income eligibility of veteran widows for Medicaid can be a bit relaxed.
Of course, you need to refer to the state laws for adequate analysis as all
states have varying rulings on the relaxation limit.
The asset and income limits are usually the same as those for other applicants.
They need to meet the percentage of FPL. They may qualify for special spousal
impoverishment protection if the surviving veteran requires long-term medical
care. This is to ensure that the other partner does not get financially drained
in the quest to provide the medical care required for veterans. Under this
protection, the partner can retain around $3,000 from the joint income for
monthly expenses. Also, the partner can retain around $137,400 from
combined assets to ensure that they have adequate assets for a secure future.
Other than this retained income and assets, the leftover income and assets
are evaluated to ensure eligibility for Medicaid.
Eligibility criteria for seniors: Seniors who are 65 years or above are eligible
for Medicaid if they meet the state criteria for income, assets, and citizenship
that are shared above in general eligibility criteria. However, the income
and asset criteria vary if the senior is applying for long-term or regular Medicaid.
For regular Medicaid, the seniors must lie under 138% of FPL if they reside in
expansion states. The limit is a bit lower (100% or lower) for seniors who apply
for non-expansion states.
For long-term Medicaid, the rules for income and assets are a bit strict.
However, the medically needy pathway program allows seniors to qualify for
Medicaid even though their income exceeds the specific percentage. Seniors
who are deemed eligible for Medicaid can avail the facilities of nursing care
homes and home-based services at their own homes or an assisted facility.
Conclusion
Medicaid is a joint healthcare program offered in collaboration with the
Federal government and the state. This program is designed to offer
desired medical assistance to people who have limited financial resources
and are not in the position to elevate their financial position especially the
widows of veterans and senior citizens who are financially restrained due
to the loss of a partner (mostly only breadwinner) and age effect. Wondering
how to qualify for Medicaid? Well, although the Federal government has
shared eligibility criteria these criteria vary from state to state as they have
a few alterations to the generic criteria. The criteria are based on 4 facets
including income which is measured against the federal poverty level,
evaluation of countable assets, American citizenship, and age factor. If
veterans’ widows and seniors meet these criteria then they can qualify
for Medicaid services. Although they are offered some assisted benefits
due to their vulnerable state. For instance, veterans’ widows are eligible
for VA dependency and indemnity compensation (DIC) and spousal
impoverishment protection. Similarly, seniors are also given relaxation
for long-term Medicaid.
Medicaid is a vital healthcare program that benefits millions of Americans
to cover their medical expenses. This program is jointly offered by the state
and federal government to facilitate Americans with limited financial
resources. This program benefits millions, including pregnant women,
children, widows, and seniors. These classes of people usually face
financial hardship due to poor health conditions, age effects, and the loss
of the only breadwinner of the family. In this guide, we are going to
unveil how to qualify for Medicaid. The coverage that this program offers
to veteran widows and seniors ensures they are provided with necessary
healthcare services, financial assistance, and long-term care.
Eligibility criteria for Medicaid
Knowing the immense benefits that Medicaid offers you must be interested
to know how to qualify for Medicaid. Well, to qualify for Medicaid you
need to be eligible for the program as per the eligibility criteria stated by
the federal government and states. Though some rules apply America-wide
each state has some differences in rules so it is better to check the state
rules while checking your eligibility for the program.
If you are eligible as per your state laws, then you can apply for Medicaid
either through your state or through the health insurance marketplace.
General eligibility criteria
The eligibility criteria surely vary a bit as per the state you are living in, but
the general criteria are shared in this section to give you a head start. Are
you eligible for Medicaid? If this question is swirling around your brain, then
read this through the end to find out.
Before going into specific details about veterans’ widows and seniors, it is
better to understand the general eligibility criteria.
Income level: The federal poverty level (FPL) is the benchmark against which
the income level of applicants is measured to ensure if they are eligible or not.
FPL is annually updated by the federal government as per the economic
circumstances. As of 2024, the FPL determined for a family of 4 is $30,000
whereas for an individual it is $14,580 per annum.
To be eligible, your income should fall under a certain percentage of FPL.
The income level of applicants may vary depending on the applicant who is
applying. For instance, the criteria for veterans’ widows is different from that
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Divide your waist measurement by your hip measurement. For example, if your hips
measurement is 40 inches and your waist is 34 inches your hip-to-waist ratio is 0.85.
If you are a man, that’s great, if you are a woman, that’s OK (but you are right on the
limit of healthy).
– A man’s ratio should not be over 0.90
– A woman’s ratio should not be over 0.85
Don’t fight nature
If you were born an apple you will stay an apple and if you were born a pear you will
continue to be appear. Accepting your natural body shape is the first step in losing
weight. In a study led by Glasgow, Scotland, psychologist Dorothy Hefferman, Ph.D.,
researchers concluded that women whose actual body shape differs from their
desired one may find losing weight frustrating and have more trouble sticking to a
weight-loss program as a result.
If this sounds like you, accept your overall shape as nature intended, but pay attention
to reducing fat around your middle and tummy areas. Circumference is much more
important to your health than how you look in relation to your bust and bottom.
Your Three-Step Fat Attack –
To lose body fat assuredly, you need a three-part fat attack strategy, and your
methodological system needs to be a truly solid one. The three parts, of course, you
already know WHAT they are. However, you are more likely to lack savvy regarding
exactly HOW and WHEN to mix these intricately related weight loss pieces together.
Explore each one here: 1) diet-foods-nutrition, 2) physical action-movement-exercise;
and 3) reeducation-strategy-knowledge acquisition/enhancement/upgrading.
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Today you are reading Part One. This is a Three-Part article.
With so many varying recommendations on how to approach losing your body fat,
many crucial details tend to slip into through one ear, yet right out of the other, quick,
fast, and in a hurry. Yes, it’s true that you hear so many conflicting ideas about health,
diet, fitness, and weight management. Why does so much instructional or informational
variation exist? Which parts are factual? What are the concepts, ideas, or truths that can
really help you?
Likely, the GREATEST fact you can benefit from right away is the following: to lose body
fat assuredly, you need a three-part fat attack strategy, and your methodological system
needs to be a truly solid one. The three parts, of course, you already know WHAT they are.
However, what you are more likely to lack is acute and chronic skill or savvy regarding
exactly HOW and WHEN to mix these intricately related weight loss pieces together.
Let’s explore each one here, just a little, that is, 1) diet-foods-nutrition, 2) physical action
movement-exercise; and 3) reeducation-strategy-knowledge acquisition/enhancement/
upgrading. Perhaps there’s a clue for you in the fact that the latter of these vital elements
above is quite lengthy.
Here’s one solid scientific fact you might observe. You are more likely to adopt and adhere
to solid diet or exercise lifestyle when you educate yourself. You grow more, when you
know more… about your approach, your limits, your potential, and your benefits.
Occasionally, you may tend to ignore important and crucial facts about fitness or nutrition
At times you just can’t help that. It’s a small part of human nature. Plus, you probably
hear a lot of “crap” these days, particularly concerning “carbs – to be or not to be,” and/
or the “best and only time of day to exercise.” After a while, though you don’t really want
them to, your ears simply become numb to the barrage of junk information. Then, you
assume that no one really knows what they’re talking about anymore. You might even
mistakenly include accredited professionals into that stereotype, too. Perhaps, you even
express your own opinion as true fitness fact without receiving support from science
and community.
Time after time, you try things that don’t work. Yet, once in a while, you try something
that does. Is what you tried still working for you? Probably not. Consider cutting to the
chase about excess, loose tissue… hanging around in places you don’t want it to. Your
formidable enemy is likely to be “saturated” fat. Here’s a professional tip that can help
you now and far into your future. Gain a thorough understanding of this “Three-Step
Fat Attack” concept. It’s a relatively new concept, yet the power lies in the fact that
although each area can afford you some weight loss productivity, combining the
three yields geometrically improved results.
It might not be such a natural tendency for you to try new things. You may not even
have the luxury of acquiring formal knowledge on nutrition, fitness, or weight
management. That leaves you with trial and error as major modus operandi. Then,
your weight loss solutions stem from incorrect data such as: rumors, old tales, things
that you have “heard about,” or just plain old advertising hype.
(Believe it or not, we’re still talking about part three – reeducation-strategy-knowledge acquisition/enhancement/upgrading – because all of the above has to do with know
how and knowledgeable approach to weight loss, avoiding unnecessary time, trouble
and effort.)
Now’s your time to concentrate on a focused, weight management approach that works
with long-term reliability. What you need is plain and simple. However, you need to
realize right now that you can easily fall into one not-so-obvious trap. This trap catches
most people who are seeking solutions to a diet or exercise problem. You can avoid it
from now on. That common trap is NOT REALLY UNDERSTANDING THE INFORMATION
YOU RECEIVE, underestimating it, or taking it for granted without deeper exploration,
inspection, and investigation.
Yes, this is where you can place your focus… on increasing comprehension. And, how can
you grasp complex details without expanding your ability to process that knowledge? Easy.
Learn about it. This moves us to the very first step in your “Three-Step Fat Attack,” which follows:
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