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Ever had a homeowner’s disaster? Beth Gibson Lilja has, and she’s learned many lessons about homeownership and how to deal with calamities and insurance claims that she’s sharing with you today. “It was October 21, 2018. I was busy in my basement studio working and preparing for my annual mom-duty trip to Arizona, while doing laundry. I came out and saw water flowing out the utility room. I looked across the family room and saw water...

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As many of you know, this past fall we moved my mom from her Luverne, MN home trailer into a retirement community apartment. The trailer had broken water pipes from the previous winter, and it wasn’t worth fixing. During said move, Mom handed me a box of old 8mm film reels that she said were home movies. Wow! Ray Gibson It was both with excitement and trepidation that I sent those reels, along with VHS tapes and heritage photos, to...

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Identity theft is an expansive topic, but there are some quick and easy steps to keep you going should you lose a card or driver’s license. Even better, here’s how to reduce the likelihood of losses in the first place. Let’s start with your wallet. How many cards do you carry? Probably too many. What with insurance cards, driver’s licenses, credit and debit cards, loyalty cards, library cards and on and on…it’s easy to carry a wallet...

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In this season of giving—and receiving—sometimes we forget to be grateful for the many things we have in life—that aren’t necessarily physical “things.” In fact, it’s life’s intangibles that contribute immeasurable joy to our lives. So during this hectic season, take a few moments to relax and consider the wonderful things in your life that make it so precious. Here is my G-R-A-T-E-F-U-L list. I hope you’ll create your own and note...

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It’s holiday season. That means lots of gifts…and nowhere to put them. Why not give stress-free gifts without clutter this year? So many opportunities to delight friends and families without the hassle of finding a “spot” for a “thing”.  Think categories. Fun Activities What does he/she like to do? How about tickets for a concert, massage, manicure, movie, sporting event or outdoor activity? Think golfing, fishing, canoeing,...

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Don’t just think of it as deleting stuff, think of it as deleting stress, and you’ll find it much easier to make it a daily routine. Do you tense up when you see a computer or phone screen swamped with icons? How about when you open your emails? Are you endlessly scrolling to see the last message? Experts say that even if it’s subconscious, a cluttered screen or email box is stressful. Quite simply, your eyes and brain must take in so...

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