YOU’RE NOT A SNOWMAN So Don’t Feel Frosty
Use the sun. While winter brings plenty of cloudy days, the sun is still known to make an appearance. When it does, open your curtains wide and let the natural heat fill the room. Just be sure to keep that warmth inside by pulling the curtains closed when the sun goes down.
Bonus tip: Park your car facing the sun! It will be warmer when you get in, and you’ll have less snow and ice on your windshield.
Stay hydrated (the right way). Did you know that your body is able to retain heat better when you’re hydrated? That’s just one more good reason to ensure you’re drinking enough water. But you should be wary of hot beverages like coffee and tea. Though they make for a great hand warmer and temporarily leave you feeling toasty, caffeine restricts your blood vessels and makes it harder for your body to stay warm. Similarly, alcohol feels warm going down, but it both increases perspiration and lowers your core body temperature. Keep your bed cozy. No one wants to go to sleep shivering, so your bed should ideally be the warmest place in the house. You can achieve this by layering your blankets properly: Fluffy layers go right over the sheet, and dense layers go on top to provide a thermal barrier. To up your game further, get a hot water bottle and leave it under the sheets for 20 minutes before you climb into bed. No hot water bottle available? Spend a couple minutes running a blow-dryer over the sheets instead. With these tips, you’re ready to have your warmest winter ever — without racking up your highest energy bill. Catch some rays, snuggle up, drink some water, and remember that spring will be here soon enough.
Winter is here, and the cold has settled in. You’ve gotten out your fuzzy slippers and put on an extra sweater, but maybe you still can’t shake that chill. Before you crank up the heat again, is there anything else you can do to keep warm? Here are a few ideas you can try!
Understanding Medi-Cal: We Can Help!
Health insurance is one of the most important things that everyone should have. It becomes even more important as we grow older and become more susceptible to illness and injury. For many who have retired or no longer have the means to pay for health insurance, California’s version of Medicaid, Medi-Cal, may be an option. If you or a loved one has a long-term illness and requires 24-hour care in a skilled nursing facility, you may qualify for Medi-Cal to help pay for your care and any needed prescriptions. Qualifying for Medi-Cal without the help of an experienced attorney is easier said than done. To qualify, each applicant will need to meet a set of financial rules. For example, an applicant’s resources, excluding exempt assets, must be below $2,000 for at least one day of the month in which they apply for Medi-Cal. Exempt assets include your home, other properties, household goods, personal effects, and one car. This means that any cash, bonds, or stocks that you own have to be under $2,000 to be eligible.
Many people think that they have to sell down their non-exempt assets or give their money away to qualify, and that is simply not the case. If your assets and income are too high but you still need the benefits associated with Medi-Cal, there are legal actions you can take to minimize your countable assets and income. It’s important to remember that the Medi-Cal application is filed under penalty of perjury, which means if you make any mistakes, you could be disqualified from the program. If you’re in need of assistance with understanding or filling out your Medi- Cal application, give our office a call. Our experienced estate planning lawyers know the Medi-Cal process inside and out. We know what steps you need to take to ensure that you qualify for benefits and are taken care of. You can rest easy knowing that you will get the best results possible when you work with us.
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