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August 13, 2025
By
The Admiral Staff
Medicaid programs in all 50 states and D.C. allow individuals to pay family members, friends, or other loved ones to provide care at home, often as a more cost-effective alternative to nursing home placement. These programs vary in name and specifics, including options like Home and Community Based Services Waivers, Self-Directed Personal Assistance Services, and Community First Choice. Payments to caregivers depend on the level of care needed, state averages for home health aides, and program guidelines.
August 8, 2025
By
The Admiral Staff
This article provides a comprehensive list of 114 free summer activities for all ages and interests. It includes ideas for outdoor adventures like visiting parks, hiking, and stargazing, as well as indoor options like reading, crafting, and virtual tourism. The article also suggests ways to earn extra money to fund summer adventures and offers self-improvement activities like journaling and learning new skills. There are sections dedicated to family fun, activities for friends, and virtual entertainment, making it a valuable resource for planning an
August 7, 2025
By
The Admiral Staff
Amidst rising grocery prices, this article offers strategies to find free or low-cost produce during the summer. Options include locating free farm stands, community fridges, and Little Free Pantries (using online mapping tools to find them). Shopping strategically at farmers markets—looking for “seconds” or asking for unwanted parts of produce like radish greens—can also yield savings. Finally, gleaning, or harvesting leftover produce from farms or foraging for wild edibles, provides another avenue for free food. The article
August 5, 2025
By
The Admiral Staff
The article discusses the “4% rule” for retirement withdrawals, which suggests withdrawing 4% of savings in the first year and adjusting for inflation annually. While initially popular, experts now question its rigidity, with some suggesting a 6% rule or advocating for personalized financial plans instead. The article debunks three common retirement spending myths: that conservative spending is always best, that savings won’t grow in retirement, and that all retirees face the same financial challenges. It emphasizes the need for flexible spending
July 30, 2025
By
The Admiral Staff
The article suggests numerous free indoor activities to combat boredom and save money during hot weather. These include exploring virtual museum tours, earning cash through online surveys, learning new skills via YouTube, exercising at home, hosting DIY game nights, decluttering and selling unwanted items, accessing free ebooks and audiobooks, cooking new recipes, journaling, and watching documentaries. The article emphasizes shifting perspective from feeling “stuck” indoors to embracing these opportunities for relaxation, productivity, and enrichment.
