Supplemental Security Income - The Lifeline for America's Vulnerable Populations

Supplemental Security Income or SSI is a program that provides cash assistance to the elderly, disabled, and other eligible individuals. Demonstrating a great financial need is one of the crucial requirements to be considered eligible for the program. The cash assistance that is given to these eligible individuals is intended for expenses such as food, shelter, clothing, and other basic needs.

How Is The Supplemental Security Income Funded

For starters, the supplemental security income (SSI) program is not funded by the Social Security Administration (SSA), they only administer the program. The funds for the program came from the general funds of the US Treasury and not from Social Security Taxes.

Eligibility for SSI

To be eligible for the Supplemental Security Income Program, one must meet the following:

Take note that your marital status and the financial status of your spouse, child, or any member of the household are also factors that will affect your eligibility for Supplemental Security Income. If you are eager to know your eligibility for this program, you can use the Benefits Eligibility Screening Tool.

Keep In Mind

If you are a beneficiary of the SSI or are planning to apply for the program, here are some things you should keep in mind:

  1. It is crucial to report any changes to your financial situation since your eligibility and monthly benefits you will or are receiving are based on this data. The data can be any but not limited to the following:
    • A new job;
    • Wage increase; or
    • Additional income resources.
  2. Children who are blind or disabled may be qualified for Supplemental Security Income (the financial situation is also assessed in this kind of situation);
  3. The Supplemental Security Income (SSI) is funded by the US Treasury, unlike the Social Security Disability Insurance (SSDI) wherein the funds came from the taxes paid by the people; and
  4. One can be eligible for both the SSI and the SSDI.
How Much To Receive?

Back in 2014, the basic monthly benefit given is 720 US dollars for qualified individuals while qualified couples receive 1,082 US dollars of monthly benefits. However, for those qualified individuals who receive additional support and in-kind maintenance, the monthly benefits will be reduced to one-third less of the basic monthly benefit. Further, for those individuals who are under the long-term care of Medicaid, the monthly benefit given to them is 30 US dollars. Thus, the monthly amount received may vary depending on the income and additional resources of the beneficiary.

How To Apply For Supplemental Security Income

If you want to apply for the SSI, just call the Social Security number: 800-772-1213 and get started. You can also apply by going to your state's local Social Security Office, however, due to the continuous rise of COVID-19 cases in the country, Social Security Offices do not encourage walk-in applications and one must file for an appointment first. You may contact your state’s local Social Security Office about this matter. Applying online is also a good choice. You just have to log in to your Social Security Account and search for available resources regarding Supplemental Security Income.

Frequently Asked Questions
Will my marriage affect my SSI benefits?

For Social Security Disability Benefits and Retirement Benefits, the amount you will receive will stay the same. However, for other programs, the benefits you will receive may be affected, listed below are how your SSI benefits will be affected by your marriage:

• Your spouse’s income and other resources will affect the benefits you will receive;
• If both of you are receiving SSI benefits, the benefit amount to be received will be converted from an individual rate to a couple’s rate.

It is crucial to report such changes to the Social Security Administration.

How do my resources affect my SSI benefits?

Resources refer to the source of money used for paying for food, shelter, and other basic needs. Examples of these would be bank accounts and/or properties. These resources are the basis of the SSA in determining your eligibility for the SSI. However, resources like your home value are not included in this matter.

How to get supplementary payments for SSI?

The majority of the states in the country provide supplementary payments to qualified SSI beneficiaries and every state has its policies and guidelines in getting these payments. Take note also that the amount provided may vary depending on the living costs in the state. You can contact or inquire at your state’s local agency to know the details of getting your payments.

What details do I need to report to social security when I get my SSI benefits?

It is crucial to report to the SSA every time there are changes to your income and resources. If you fail to do this:

• You may not receive the correct amount of money;
• You may receive an amount more than the amount you are eligible for (in this case, you are obliged to pay back the excess money you received);
• You may be penalized for not reporting the change as soon as possible (usually, you should report the change before the last 10 days of the month that the change occurred). The penalty includes reducing your benefit by 25 to 100 US dollars.
• There is also a possibility that the SSA will impose a sanction against you by withholding payments for 6 -24 months.
• There is also a possibility that you will face larger fines or imprisonment especially if proven you intentionally withheld important information.

Why is my SSI benefits eligibility under review?

The SSA regularly reviews your eligibility for the SSI to make sure that you receive the correct benefit amount each month. During the review, the SSA will ask several questions concerning your income, work, and other resources. Make sure to provide the right information and report the changes in your income and resources as it will affect the amount of money you receive. Failure to do so will affect your eligibility for the program and even charge you with fines.

Caregivers - Prioritizing Your Well-being While Caring for Others

A caregiver is generally referred to as a person who takes care of a friend, neighbor, or loved one who’s suffering from a disability or health condition In some cases, the caregiver is a professional whose job is to provide long-term or respite care for the elderly.

As we get older, accomplishing daily activities becomes harder especially if we have mobility and memory issues. Also, with sons and daughters moving out and having their own families, living alone can be quite depressing and lonely.

Fortunately, hiring a caregiver may help address these problems and even lessen the burden on family members.  Read on to learn more about caregivers, the benefits of hiring one, resources, and additional tips you should know. 

Benefits of Hiring a Caregiver

Hiring a caregiver offers a lot of benefits to your elderly loved one including:

Hiring a caregiver also offers benefits to loved ones who are taking care of their elderly parents:

Duties of Caretaker

Caregivers provide a wide range of assistance services needed by your elderly loved one. Their duties include:

  1. They are advocates - patients can be a bit reserved, meaning they may not completely state how much pain and what exact symptoms they are experiencing, but since caregivers observe their patients 24/7, they have a more objective view of the patient’s condition which then can be communicate with the doctor.
  2. They provide personal care - Personal care such as bathing, cleaning, brushing teeth, or changing clothes are just some of the caregiver’s personal care duties for disabled patients.
  3. They provide emotional support - Aside from personal care, caregivers also provide emotional support to their patients primarily in times of critical diagnoses, which in truth can be quite overwhelming. They also act as their patient’s companion, confidante, and listener, which are a big help, especially for seniors experiencing loneliness and depression.
  4. They provide medical care - From accompanying patients to medical appointments, taking notes, to administering medications, caregivers play a vital role. They can even be more experienced in tending to their patient’s medical needs than other family members.
  5. They help with household tasks - Tasks like washing the laundry, dishes, and the house are just some of the functions caregivers can do especially if their elderly patient is no longer capable of doing these tasks.

A good caregiver also possesses the following skills and personality

  1. Patient-centered - This means that caregivers should always inform his/her elderly patient about schedules, medications, and diagnoses in a way that they will receive them positively.
  2. Emphatic - This means that a caregiver should be understanding of the patient’s condition and be a good listener whenever necessary. In this way, there will be open communication between the caregiver and the patient.
  3. Time management skills - Caregiving may demand a lot of one’s time, considering all the tasks at home and the patient’s personal care routines. Caregivers with good time management skills can be good candidates for elderly patients with severe medical conditions. This is because they can accomplish all tasks even how much or how heavy it is.
  4. Interpersonal skills - Good interpersonal skills help establish rapport and honest communication between the patient and the caregiver.
  5. Organizing and housekeeping skills - Experienced caregivers have expert skills in organizing and housekeeping, which is a good factor for the efficient and quick accomplishment of tasks.

Who Needs a Caregiver?

Are you starting to have difficulties keeping up with daily house chores? Or are you a busy person who has difficulty managing time caring for an elderly loved one? Maybe its time to hire a caregiver, which is ideal if:

Where Can I Find a Caregiver?

There are many medical and health agencies that provide caregiving services. You can start looking for available caregivers by visiting the nearest hospital or asking your healthcare provider. You can also consider the following caregiver resources that might be helpful:

Tips to Keep in Mind Before Hiring a Caregiver

It’s crucial to make sure that you or your loved one will receive quality care service. That’s why before hiring a caregiver, you should consider several factors first. Below is a list of tips you should keep in mind when looking for a caregiver.


A caregiver plays a vital role in keeping your elderly loved one’s overall health especially if s/he is living alone or is suffering from certain conditions. However, hiring a caregiver should include a thorough review. This means that you should know caregiver qualifications, the caregiver’s credentials, and doctor referrals.

Heatstroke: Understanding the Risks and Staying Safe in the Scorching Heat

Heatstroke is considered the most serious and life-threatening heat-related condition. If not attended immediately, it can cause damage to internal organs and the brain. Heatstroke is prevalent in summer or during hot weather, and it’s caused by a variety of reasons including prolonged exposure to heat and dehydration.

Since this condition is serious and needs immediate medical attention, it’s important to know its causes, signs, and prevention tips. Read on to learn more about heatstroke, how to spot it, and apply first aid to it when the need arises.

Types of Heatstroke

Before we jump on to the causes of heatstroke, first let’s discuss the types of heatstroke present. There are 2 types of heatstroke, namely:

  1. Non-exertional - This is referred to as the classic type of heatstroke and is primarily caused by age and existing health conditions. Non-exertional heatstroke is also more common in people over 50.
  2. Exertional - Unlike non-exertional heatstroke, this type is caused by engaging in heavy and strenuous activities under extreme heat conditions.

What are the Causes?

Heat exhaustion is what you call a less severe heat-related condition and usually doesn’t require hospitalization. However, if heat exhaustion isn’t addressed, it might progress to heatstroke.

Heatstroke in simple terms is caused by an abnormal rise in core body temperature. A certain part of our brain called the hypothalamus is responsible for regulating your core temperature. However, when we get exposed to extreme heat or do strenuous activities under hot conditions, our core body temperature may rise at an abnormal level causing heatstroke.

Though heatstroke can affect people of all ages, it’s usually common in older adults. It can also be caused by other risk factors such as:

What are the Signs of Heatstroke?

Heatstroke is a serious condition that needs immediate medical help. If you notice someone has heatstroke, call 911 immediately. To do that, watch out for its signs and symptoms such as:

What to Do When You or Someone Has Heatstroke?

If you notice someone exhibiting the signs of heatstroke, the first thing to do is to call an ambulance, and then while waiting, apply first-aid procedures to cool down the person. First aid procedures include:

Note: It’s also crucial not to give the patient medications such as acetaminophen or aspirin as it may worsen the patient’s condition.

Heatstrokes can be treated in the hospital by:

Prevention Tips to Keep in Mind

Heatstrokes are prevalent during summer or when the heat index is very high. You don’t have to wait for you or a loved one to have heatstroke, especially during hot weather, because there are several tips you can do to avoid it:


Heatstroke is a serious condition that requires immediate action and treatment, that’s why it’s important to know its symptoms as well as the things one must do when the need arises.

Finger Joint Pain - Insights and Solutions for aching hands

Finger joint pain can be uncomfortable and painful, affecting your ability to do basic activities. Though some types of joint pain don't need medical attention, severe and persistent pain may need professional treatment. In this article, I will share essential information about finger joint pain, its common causes, symptoms, treatments, and prevention tips.

What is Finger Joint Pain?

Finger joint pain is characterized by pain, swelling, and sometimes inflamed fingers which are caused by injuries or other underlying conditions. There are various treatments for finger joint pain and doctors administer specific treatments depending on the cause.

Who Gets Pain?

Everyone may experience finger joint pain sometime in his/her life, especially adults and seniors who had a history of a hand injury. Additionally, according to Colgate Talks, dental healthcare professionals also have a high risk of getting finger joint pain, specifically Carpal Tunnel Syndrome (CTS).

General Symptoms

Symptoms may include:

Note: Depending on the type and level of pain you feel, finger joint pain may be caused by a specific injury or medical condition.

Common Causes of Finger Joint Pain

To help you identify what’s the culprit for the pain in your finger joints, below is a list of the common causes of such pain and specific treatments for each.


Injury to the finger is one of the most common causes of finger joint pain. Common symptoms may include bruises, mild to sharp throbbing pain, and swelling.

People who work with heavy machinery and other devices that involve frequent lifting and hand movements are more at risk of getting finger injuries such as fractures, bone dislocation, sprain, and strain thus, resulting in finger joint pain.

Treatments for finger joint pain caused by injuries include:

  1. Ice packs - These will relieve bruises and swelling on the affected area.
  2. Rest - Most injuries on the fingers need time to heal and recover. During this phase, it’s important to avoid heavy activities that will strain the affected area.
  3. Compression - Firmly wrapping the affected area will help your recovery faster.
  4. Elevation - This means keeping the injured area above the heart to avoid pressure and reduce pain and swelling. 


Finger joint pain could be an early sign of arthritis among older adults. Symptoms may include stiffness, pain, and swelling in the affected which gets worse when pressed or moved. Two types of arthritis that involve finger joint pain are Rheumatoid Arthritis and Osteoarthritis.

Treatments for this condition include:

Carpal Tunnel Syndrome (CTS)

Carpal Tunnel Syndrome (CTS) is the most common type of finger joint pain among dental health care professionals since their job requires frequent and precise hand movements to treat patients.

CTS primarily affects the hand’s median nerve. This nerve is responsible for the motor function in the forearm, wrist, and hand. People with CTS may experience numbness, stiffness, and weakness in these areas affecting movements and the ability to keep hold of objects.

To treat CTS, doctors may administer the following:

  1. Wearing a splint - Your doctor may require you to wear a splint to avoid overexertion and help make recovery faster.
  2. Non-Steroidal Anti-Inflammatory Drugs (NSAIDs) - These may include OTC drugs like Naproxen or Ibuprofen. 
  3. Avoiding activities that can strain the affected area - People with CTS may need to halt activities that may worsen the condition.
  4. Physical Therapy - Physical therapy is also a good choice for CTS patients.
  5. Steroid Injection - This is a common treatment for CTS and helps in alleviating pain and swelling in the affected area.

Tenosynovitis and Tendonitis

Another possible cause is problems in the tendons such as Tenosynovitis and Tendonitis. Tenosynovitis affects the tendon sheath, an outer membrane of the tendons wherein it becomes inflamed causing pain, stiffness, and swelling.

On the other hand, Tendonitis is characterized by inflamed tendons resulting in swelling and pain when being moved or pressed.

Both of these conditions are treatable by:


Diabetes can also affect your musculoskeletal system, specifically your hands, fingers, and feet. Examples of musculoskeletal conditions caused by Diabetes are Carpal Tunnel Syndrome and Diabetic Neuropathy.

Doctors treat these symptoms through:

Ganglion Cysts

Ganglion cysts don’t usually cause pain or swelling, however, cyst growths on your fingers and wrist may cause discomfort and weakness, while some say that it also feels painful.

Unfortunately, there’s still no known cure for ganglion cysts, but some doctors may treat them by draining or removing the cysts.

Prevention Tips

Below are other tips you should keep in mind.

Final Thoughts

Mild cases of finger joint pain don’t necessarily need prescription medications because the pain usually clears out on its own. However, if you experience persistent and recurring pain in finger joints, it may be time to ask for help from a professional.

Costco Hours for Seniors: Why You Should Take Advantage of Their Special Hours

Costco hours for seniors helped promote health safety among seniors during the surge of the COVID-19 pandemic last March 2020.

Seniors are vulnerable citizens who can easily contract the COVID-19 virus, considering that they have a weaker immune system. That’s why Costco created a shopping schedule specifically for seniors to limit their exposure to crowded places. Thus lessening their risk of contracting the virus.

What are Costco Hours for Seniors?

Costco hours for seniors refer to specific shopping hours at Costco allocated only for seniors aged 60 and above. Some Costco branches scheduled senior hours every Tuesday and Thursday from 9 am to 10 am, while other branches from different states have their shopping hours for seniors starting at 8 am to 9 am.

This helps seniors shop with more convenience since there are a limited number of people during their schedule. At the same time, it’s Costco’s way of promoting health protocols during the pandemic.

Costco Shopping Hours

Costco already announced last March 2022 that they will be lifting Costco hours for seniors on April 2022. This is in line with the increase in citizens getting vaccinated and the decrease in COVID-19 cases within various states.

Why Did Costco Drop Shopping Hours for Seniors?

The Costco shopping hours for seniors are implemented to protect the most vulnerable against COVID-19 infection. However, as the vaccines are completely developed and more people are getting vaccinated, most general health protocols have started to get lifted including the shopping hours intended for seniors.

Now that the shopping hours for seniors are lifted, senior citizens can now shop at Costco either online or offline at any time of the day.

Are There Other Stores That Still Offer Shopping Hours for Seniors?

Seniors may have enjoyed allocated shopping hours for them and felt quite disappointed that Costco will no longer continue the practice. Fortunately, seniors can still conveniently shop at Costco using the online platform.

If you still want to experience senior shopping hours, you are not in vain because other shops still offer shopping hours for seniors including the following:

Lowe’s Food

Seniors, along with other immuno-compromised citizens and pregnant women can freely shop at Lowe’s food from 7 am to 8 am every Tuesday and Wednesday before their official opening hours. Lowe’s Food also offers online shopping for seniors and other individuals who don’t want to join the crowd during shopping hours.

Harris Teeter

Harris Teeter offers shopping hours for seniors every Monday and Thursday from 6 am to 8 am. The shop’s express lane is also reserved from 9 am to 2 pm every Thursday for seniors who need to pick up their groceries shopped online.

Dollar General

At Dollar General, they always allocate their first hour of operations to seniors. Most Dollar General shops across the US also converted to a self-checkout shopping style for a more convenient experience for seniors. Also, for those who prefer to pick up their items, customers can shop at Dollar General’s online shopping site.

Food City

Seniors who are 65 years old and above are eligible to shop at Food City during senior shopping hours that start from 7 am to 8 am every day. Also, at 7 am every Monday, seniors can get prescriptions from Food City pharmacies.

BJ’s Wholesale

Seniors aged 60 and above are eligible to shop at any BJ’s Wholesale shop during their senior hours from 8 am to 9 am every Monday, Wednesday, and Friday. Healthcare workers and first responders have also their designated shopping hours every Sunday morning.


The availability of senior shopping hours at Kroger may depend on the location. Some Kroger branches allocate their first hour of operations to seniors and immuno-compromised individuals. Do contact the nearest Kroger store to ask if they offer such a service. Additionally, you can shop online and pick up your items or have them delivered right to your doorstep.


Most Aldi shops open at 8:30 am for its shoppers, but on Tuesdays and Thursdays, Aldi stores allocate their first hour for seniors, pregnant women, and other individuals with health issues. Also, like other stores, you can shop online at and get your groceries via delivery or pick-up. You can also use the same site to check the operating hours of the Aldi store nearest to you.


Every Tuesday, seniors, disabled, pregnant women, and other individuals with health issues can come to Target at 8 am to shop with ease and convenience. You can also opt for online shopping and delivery if you’re not fond of coming to the shop that early.

Frequently Asked Questions

What time do Costco stores open?

Costco's opening hours may differ from location to location, but most stores usually open from 10 am to 8:30 pm during weekdays, 9:30 am to 6 pm on Saturdays, and 10 am to 6 pm on Sundays. For more precise opening and closing times of the nearest Costco store, use Costco’s store locator.

Will there be another season for senior shopping hours at Costco?

There will not be another season for senior shopping hours at Costco since the shop decided to lift the protocol on April 2022.

Do other Costco stores still offer shopping hours for seniors?

All Costco stores already lifted their shopping hours for seniors since the COVID-19 pandemic surge has eased and more citizens are getting vaccinated.

Final Thoughts

Costco is one of the renowned stores in the US, and they always make seniors a priority, especially in times of the pandemic. Unfortunately, Costco no longer offers shopping hours for seniors, but you can always visit their store anytime or enjoy convenient shopping via their official online shopping site. Aside from Costco, other stores still offer senior shopping hours which are listed above.

Meals on Wheels for Seniors: Bringing Comfort and Nutrition to the Elderly

Meals on Wheels for Seniors is a meal program that targets elderly people who are struggling with meal preparation and budgeting. As we reach our senior years, it’s pretty common for us to have reduced capability to prepare nutritious meals for ourselves. The main goal of Meals on Wheels is for seniors to have access to nutritious meals despite the limiting factors associated with age.

In this article, we will share information on Meals on Wheels for Seniors including eligibility requirements, services offered, and types of meals offered.

What are Meals on Wheels for Seniors?

Meals on Wheels is a nationwide meal program in the US that is composed of a network of over 5,000 non-profit and community-based organizations dedicated to providing nutritious meals to qualified seniors in their target local community.

The services provided and procedures in the application may vary across different states based on the needs of recipients and the resources available. Despite this, the organizations involved in the Meals on Wheels program are committed to achieving one goal– to support seniors across the US in achieving a healthier life at their age. Based on the latest statistics, Meals on Wheels help about 2.4 million seniors each year.

What Foods Do Include?

Wheels on Wheels has a primary aim to promote healthier well-being among seniors, so most foods they offer are nutrient-rich and healthy. A typical meal offered to recipients includes:

Note: Variations and modifications may also occur depending on diet restrictions imposed by your doctor. Most meals are free of cost, but some meals may cost not more than 7 dollars.

Types of Services Offered

There are mainly two types of services Meals on Wheels offers. Based on the senior’s age, health condition, and financial status, the program implementers will choose what type or service is most suitable for the senior recipient.

Home Delivered

As the name suggests, home-delivered service is a service wherein your meals are delivered right to your doorstep. Not all members can get qualified for this type of service. Seniors who have mobility issues or malnutrition have a high chance of being qualified for home delivery.

Additionally, senior members who just got released from a healthcare facility can also benefit from home-delivered service during the phase of their recovery.

Congregate Site

In this type of Meals on Wheels service, qualified seniors are to visit the nearest Meals on Wheels center to get their meals. One advantage of congregate site service from home-delivered service is that senior members can socialize and get to know people on the same wavelength.

Meals on Wheels also have a transportation service to help seniors get to the right location without the fuss of commuting.

Eligibility Requirements for Meals on Wheels

Eligibility requirements may vary depending on your location, service provider, and the type of service you wish you get. The following is the list of general qualifications for signing up for Meals on Wheels.

For a Home Delivered service, seniors must meet the following:

  1. Has a disability
  2. Has severe mobility problems
  3. Must be above 60
  4. Is at risk of malnutrition
  5. Needs to be assessed in person
  6. Is not financially secured

For a Congregate Site service, seniors must meet the following.

  1. Must be above 60
  2. Is at risk of malnutrition
  3. Has a minor disability
  4. Is not financially secured

Note: Ask the nearest Meals on Wheels service provider if there are other requirements you need to submit to be qualified. In most cases, eligibility requirements may vary depending on location.

How Can I Apply for Meals on Wheels?

The application process and requirements for the Meals on Wheels program may vary from state to state. You may start by inquiring at your state’s local government about the program. If you are not into walk-in inquiries, you can also get started with your application process through the program.

Frequently Asked Questions

To help you know more about Meals on Wheels, here are frequently asked questions from clients.

Who Do Meals on Wheels Help?

Meals on Wheels is created to help veterans, loved ones, parents, and grandparents aged 60 and above. The program targets those who have financial hardships and mobility issues that affect their capability to prepare nutritious meals. Qualifications may differ from state to state though, so it’s better to ask the Meals on Wheels center nearest to you.

How are the Meals Prepared?

Meals are prepared by paid volunteers and staff. The Meals on Wheels program follows a meal plan that includes food high in essential vitamins and nutrients for seniors. They are also individually packed during the meal preparation process. This is done to ensure that the food is sanitized and to make it easier for volunteers to distribute meals.

What Other Services Do Meals on Wheels Offer?

Aside from distributing nutritious meals to seniors through home delivery and congregate sites, Meals on Wheels, in some parts of the country, also offer other services like pet food delivery, transportation, and home repair. Depending on the available resources, staff, and volunteers, Meals on Wheels can impose other services that can be beneficial to senior citizens.

Who Pays for the Meals?

The Meals on Wheels program is funded by a network of various non-government organizations across the country. Also, a partnership with the federal government, the Older Americans Act provides about one-third of the program’s overall budget. The remaining two-thirds are from foundations, organizations, and donations from private individuals.

Why were the Meals on Wheels Program Established?

With the rampant cases of isolation, malnutrition, and poverty among senior citizens, it’s no doubt that more and more seniors need all the help they can get to stay healthy. In estimate, there are about 15 million seniors who are suffering from loneliness and isolation, 9 million suffer from hunger, and 18 million suffer from financial crises.  Meals on Wheels is established to help address these issues so that seniors can have access to nutritious meals despite a lack of financial resources.

Final Thoughts

The Meals on Wheels program has been a significant part of the community, especially for seniors with physical, mental, and financial challenges. It not only helps break boundaries between nutritious meals and seniors ‘unfortunate circumstances, but it also promotes their overall well-being. I hope this article helped you know more about the Meals on Wheels program for seniors.

Scholarships for High School Seniors: Finding Lesser-Known High School Senior Scholarship Opportunities

There are many scholarships for high school seniors from various foundations, organizations, sponsors, and schools. If you are wondering if there are still eligible for a scholarship despite being at the senior level, you are not in vain because there are many foundations offering scholarships for high school seniors.

Being in your last high school year can feel exciting and overwhelming. It’s exciting because you will look forward to pursuing your dream course next school year yet, overwhelming since you will be in a different environment.

What are Highschool Scholarships?

High school scholarships are money granted to deserving students to use for their academic needs or college applications. There are four basic types of scholarships based on administration and requirements. These include:

Benefits of Applying for a Scholarship

Applying for a scholarship offers a lot of benefits including:

Reducing the financial burden

Paying for education may be challenging considering the increasing cost of basic needs such as shelter and food. This makes it difficult for students to pay for education. In some cases, students need to work full-time to keep their heads above water while ensuring they are up-to-date with their studies.

Applying for a scholarship will help ease this burden and may even offer students a chance to attend a prestigious university.

You can focus better on your education

With the help of a scholarship, students no longer need to work and earn money for tuition fees and other expenses. They will be able to have less stress and more time to focus on their education.

Provides opportunities for socialization

Scholarships can also widen your scope to connect to people with different backgrounds, lifestyles, and beliefs. This is because as you are qualified for a scholarship, you’ll be exposed to other scholarship grantees from the same foundation you have applied to.

Decrease future debt

Most students graduate from college just to be met half way with debts from student loans which they have to pay back. This makes it hard for fresh graduates to start their careers as professionals. Unlike student loans, one advantage of scholarships is that students no longer have to pay back the money they receive.

So instead of having an extra burden right after students graduate college, they can instead focus on applying for a stable job aligned with their profession.

General Requirements for a Scholarship

Each scholarship program may impose different requirements and standards. If you are new to scholarships, here are the general requirements you must keep in mind:

  1. Report card
  2. A high GWA/GPA
  3. Certifications
  4. Filled-out application form
  5. Application essays
  6. ID-sized photo
  7. Good Moral Character
  8. Proof of citizenship

Note: Make inquiries to the scholarship foundation you are applying to about their specific requirements to make sure you have enough documents on hand.

Best Scholarships for Highschool Seniors

Here are the nine best scholarships you might want to try.

Big Future Scholarships

Big Future is a scholarship foundation that you can apply to at the start of the school year. It doesn’t require applicants to pass application essays or tests nor does it include minimum GPA standards. This is a good choice especially if you need money and no longer have time to complete general requirements.

Big Future awards hundreds of scholarships awards monthly via drawings. Follow the steps listed on how to apply for a scholarship to get started.

Smart Owl  Scholarships

Smart Owl is another scholarship foundation that awards scholarship grants to deserving applicants every month. It has an annual budget of 50,000 dollars to be awarded to a total of 50 winners. Each month, a winner will be chosen to be awarded 1000 dollars.

All you have to do is register and you will automatically be given one entry.

College Express Scholarships

You can easily apply at College Express by filling out the form found on their official website. College Express awards scholarships to applicants via drawings. The application period typically starts at the beginning of each month and ends on the last day of the same month.

Nitro Scholarships

The latest Nitro Scholarship contest starts On January 1, 2023, and will end on December 31, 2023. Awards are given on a monthly basis wherein one winner of 2,000 dollars will be selected each month. Eligibility requirements include:

Parents who have a child who’s currently enrolled in a high school or college university may also apply.

Christian Connector Scholarships

Christian Connector Scholarships may award up to 5,000 dollars worth of scholarships for deserving individuals. Students may simply apply for the scholarship by filling out the form on their official website.

Semper Solaris Scholarships

Semper Solaris offers 500 dollars worth of scholarships to deserving students. To apply, the applicant must submit an essay about a certain topic provided by the foundation. Other eligibility requirements include:

Walgreens Expression Challenge

Walgreens Scholarship offers up to 2,000 dollars to talented students between the age of 13 to 18 years. An applicant must show his talent either in spoken word, visual arts, or creative writing to be considered and selected.

Project Yellow Light Video Contest Scholarship

Project Yellow Light Offers up to 8,000 dollars in scholarship awards to deserving students. To be selected, an applicant must create a 10 to 25 seconds video clip showing the dangers of distracted driving.

AFSA National Highschool Essay Contest

AFSA Scholarship is currently open for applications until April 3, 2023, and offers up to 2,500 dollars in scholarship awards. To apply for the scholarship contest, the applicant must submit a 1,500-word essay that talks about a country or region in which the US Foreign Service has been involved at any point since 1924. The essay should describe whether the Foreign Service is successful or unsuccessful in promoting American foreign policy goals snd state the possible measures that can help achieve these long-term goals.

Final Word

Education expenses can cause quite a fuss for both students and parents. Oftentimes, students need to work full-time just to earn tuition payments, a reason why most students cannot commit their full attention to their studies.

Getting a scholarship may help students ease their struggle financially while helping them focus better on their studies. Many foundations offer scholarship grants to deserving students.

Self Defense for Seniors Helps Improve Flexibility and Overall Physical Health

Self defense for seniors tactics is crucial, especially for older adults. In fact, in an article published by the Bureau of Justice Statistics, even though seniors being attacked by criminals is not that prevalent compared to those of younger age groups, older adults usually suffer more due to their vulnerability to injuries and fractures.

Fortunately, seniors can have a way of not being defenseless against criminal attackers, and in this article, I will be sharing some information you should know to avoid being a good target of criminals as well as some useful tactics to keep in mind when confronted with one.

Benefits of Self Defense for Seniors

Self-defense tactics are not just some showoff but also offer a lot of benefits to seniors such as:

Tips and Precautions To Avoid Being Targeted

You don’t have to wait until a criminal victimizes you. Prevent yourself from being a good target by criminals through the tips listed below:

Be Alert To Your Surroundings

Every time you go out, it’s crucial to always be alert and aware of your surroundings. In this way, you can spot suspicious individuals who are potential threats to your safety.

Avoid Walking In Dark And Remote Areas, Especially At Night

Criminals usually hide in these kinds of places. If you can’t avoid walking through dark alleys, it’s always good to bring someone with you. Experts also advise you to keep a pocket flashlight, knife, or whistle whenever you walk in dark, remote areas.

Maintain Good Posture

Poor posture might make you look like you’re vulnerable and fearful, and that is what criminals always look for in their victims. That’s why it’s important to always keep your chin up and your shoulders back to make you look more confident and strong. This will help dissuade possible attackers.

Walk Smoothly And Confidently

Just as maintaining good posture, walking straight and smoothly will make you look strong. It’s also best if you keep up with the pedestrians’ walking pace. In this way, attackers may think that you’re not an easy target.

Make Brief Eye Contact With People

As you remain alert while you walk in the streets, you might observe potential attackers. In this case, making brief contact with people around you may discourage attackers as they become aware that you have already seen their faces. It’s also one way to show alertness and focus on your surroundings.

Stay Focused On Where You’re Walking

Before going out, make sure you know where you are going and what route will you be taking so that you can stay focused and alert on your way. Also, don’t stare down at your phone or on your map while you are walking as it might seem to attackers that you are lost. You may even possibly end up losing your guard when this happens.

Don’t Let A Possible Attacker Distract You

Some attackers start victimizing you by asking questions or directions to distract you. If you encounter a suspicious stranger doing this, make sure to secure your bag in front of you. Also, when they ask for directions, make sure you have them in your line of sight throughout the conversation. After all, being alert is one of the crucial practices whenever you’re in this situation.

Don’t Wear Or Bring Valuables That Are Attractive To Attackers

Wearing a lot of jewelry and exposing expensive valuables makes you a good target for robbers. You might as well limit wearing flashy jewelry especially if you’re going to walk in densely populated areas. Keeping your purse close to you and keeping valuables well-hidden is also a good practice to keep you safe from victimization.

Self-Defense Tactics You Should Know

If you do encounter an attack from a criminal, you must know the following self-defense tactics for seniors:

Make Noise

One of the best ways to get help or scare off attackers is to make noise as much as possible. You can either shout, blow your whistle, or turn on your emergency alarm if you have one so that you can alert bystanders. Experts also advise you to keep a personal alarm or whistle with you whenever you go outside or when you’re alone at home.

Utilize anything that can be used as a weapon

Whether it’s a bag of can goods or sharp objects, grabbing anything that you can use as a weapon can slow down an attacker and even scare them away. There are also several weapons you can put in your bag whenever you’re outdoors such as pepper spray, or stun guns. In the case of stun guns, you might do some paperwork before you are allowed to get one, though this depends on the state you live in.

Target the attacker’s vulnerable areas

Even for a big, bulky attacker, there will always be vulnerable areas you can target such as the eyes, groin, neck, nose, and knees.

Attack these areas depending on your proximity to the attacker and the areas accessible to you. For example, if s/he is in close proximity, you can target the eyes by poking them, throwing dirt, or using pepper spray. You can also target the groin if the attacker is holding you. If you have a cane, whacking it on the attacker’s legs can lose his/her balance giving you a chance to escape.

Learn martial arts

Learning one or two martial arts is also the best way of defending yourself from potential attackers. While choosing the most appropriate type of martial art can be hard, what you can do is assess your physical capabilities first and also consider existing conditions if you have any. Talking to a martial arts instructor can be helpful in choosing the self-defense system suitable for you.

To help you choose, let’s take a closer look at each of the best martial arts known across countries.

Final Thoughts

Learning different tactics in self-defense will help you avoid being victimized by criminals both inside and outside the home. Additionally, it’s crucial to know precautions to avoid encountering potential attackers. I hope this article helped in adding your knowledge on self-defense for seniors.