What Does it Mean to “Age-In” to Medicare?

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Greg DuretteBy Greg Durette, Florida Health Connector

As many times as I have said the term “age-in” to folks when discussing Medicare, it has never failed to elicit a visceral response like, “What do you mean with this age-in thing?!” or “I don’t feel aged-in!.”

The fact of the matter is, aging-in, meaning you are turning 65 soon, is a good thing. There are many we all know that didn’t make it to that milestone.

Yes, we are in the middle of the Open Enrollment Period which runs from January 1 – March 31 of every year pre-dominantly for Advantage Plan members (you can re-read my article from last month for more information about the ins and outs of that), that does not change the fact many people have birthdays all year long and are actually aging-in during this time as well.

What generally happens is, folks get confused between what they see on TV with all the pitches about “time running out” and, what they can actually do during the aging-in period. So, let me attempt to de-mystify it a little here.

There is a period of time when a person ages-in and becomes eligible for Medicare. Typically, this period of time is three months before the month in which they turn 65 and three months after the month in which they turn 65. Do the math and you will see this is a 7-month period of time around your birthday. There are a few other exceptions to this eligibility period but, those will have to be saved for another article.

The first order of business is to obtain your Part A and B (if desired or needed) through Social Security. Without adding a litany of boring details as to qualifications for each, suffice it to say Part A is typically $0 premium for most folks and Part B for 2022 will typically cost $170.10 per month. The Part B premium is means tested can get a little complicated…certainly more complicated than can be described in this article. Again, suffice it to say, some could pay much more or much less, depending on your income.

If you wish to avoid LIFELONG penalties, you will have to have Part B and Part D (prescription coverage) in place at the time of first becoming eligible. As a reminder, eligibilities are one of those things unique to each person’s circumstances. So, it is important to know how these things apply to you.

If you choose to obtain a Supplement, commonly called a “Medi-Gap” policy, you will need to also obtain a separate Part D prescription plan as the Supplements DO NOT INCLUDE such. If you choose to obtain an Advantage plan, the Part D prescription coverage is typically INCLUDED.

As you can see, this can and usually is a very confusing time for most folks used to have traditional insurance for their whole lives. Suddenly, you are thrust into this new system and everybody and their cousin is calling and/or mailing you every single day with their “better option.”

Your best option is the one that suits you best. Maybe it is a great price. Maybe it is a great network of providers. Maybe it is just the peace of mind in knowing you have someone you can rely upon for information when you need it.

If there is only one take away you can have from this article, it would be to work with someone that can help you navigate the local landscape and help you completely understand this otherwise very confusing time in life.

Greg Durette is a qualified, licensed agent with Florida Health Connector providing Medicare throughout the state and is based in Niceville. He has been in the insurance industry for over 38 years and can be reached at his office at (850) 842-2400 or his mobile at (978) 509-2941.

Public Relations Foundation To Award Scholarship

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The Emerald Coast Public Relations Foundation (ECPro) awards a $1,000 scholarship to graduating seniors planning to pursue a college degree in the areas of public relations, communication, marketing or journalism. Applicants must be high school seniors residing in Okaloosa, Walton or Santa Rosa counties, with a GPA of 3.5 or higher, a U.S. citizen, and planning to pursue studies in public relations, communication, marketing or journalism.
In addition, applicants are required to submit a brief essay addressing an ethical issue in public relations or journalism and a list of demonstrated leadership or community service. The award will be paid directly to the college or university to which the recipient has registered.

The Foundation has, in the past few years, awarded six $1,000 scholarships to graduating seniors from Crestview, Niceville, Pace, Choctawhatchee and Fort Walton Beach High Schools. Deadline for applications is Monday, March 15, 2021. The application and additional information are available in high school guidance counselors’ offices and at www.ecpro.org. The Emerald Coast Public Relations Foundation is a 501©3 non-profit charitable organization established to support education and advancement in public relations and related fields.

 

Dear God

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sean dietrich w dogBy Sean Dietrich

Dear God,

It’s me again. How have you been? How is the family? Hope you had a good holiday season and that you didn’t have to smite too many people who drove too slow in the left lane. Give Moses my best.

I know you haven’t heard from me in a while, and I’m sorry about that. I’ve been busy lately and I’ve forgotten to check in. But then, I hear you’ve been pretty busy, too.

For example, I heard about that helicopter crash in Philadelphia yesterday. The aircraft was headed to Children’s Hospital of Philadelphia with an infant onboard when it crashed in the Drexel Hill neighborhood of Upper Darby.

There were four passengers inside: A nurse, an infant, a pilot, and a flight medic. The helicopter went down like a sack of rocks, and frankly, everyone should be dead. But they’re not.

All survived. All are in stable condition. The officials said it was a miracle. And even though nobody used Your name directly, I knew it was You.

And just today, I got an email about Bryson, a kid with Burkitt lymphoma, stage three. A few months ago, this cancer covered 90 percent of his body, and after four terrifying chemo rounds the kid was ready to give up.

The worst part was, the type of cancer Bryson has is so aggressive that if one cell is left after radiation treatment, the cancer could blanket him again in a matter of days. Everyone has been holding their breath.

This afternoon, that young man’s grandmother wrote to tell me that doctors believe Bryson might be going into remission. Today is Bryson’s 12th birthday, a birthday he’ll remember forever.

You did that. I know it was You.

You were also involved in the story of Noel and her husband, Chris, who live in a heavily wooded area of Stafford County, Virginia.

During the recent snowstorm, when trees were falling down, and powerlines toppled like Tinker Toys, and traffic was stalled on I-95 like a coronary blockage, Noel’s water broke and she went into labor.

The young couple tried to call for help, but no calls or texts were going through. Snow was blowing, trees were being uprooted, the electricity was out. No ambulance could reach Noel’s home because of the barricades caused by the storm.

It had all the makings of a full-scale disaster. But it wasn’t.

Noel’s mother was able to get in touch with Fairfax County Fire Department, who connected with Stafford County Fire & Rescue. First responders made it to Noel’s house on foot, climbing over fallen trees and trudging through dangerous conditions.

The medics were going to deliver Noel’s baby at home, but Noel insisted on going to the hospital. And that’s when the real miracle happened.

The first responders guided the young woman through the blizzard, through the woods, across frozen creek beds, plodding through a foot and a half of snow.

She finally reached the ambulance, and they made it to the hospital where Noel gave birth to a healthy baby Josephine.

That story has Your name written all over it.

And don’t forget about Gus Albritton, the Vietnam veteran. In the early ‘80s someone broke into Gus’s house in Brooksfield, Florida, and stole several valuables, including his three Purple Hearts.

It was a low blow. It was lower than low. After all, they don’t just give Purple Hearts out like breath mints.

Enter Jamie Bath.

Recently, Bath was at a yard sale when he saw a Purple Heart for sale. He picked up the medallion and read Gus’s engraved name on the back. So he bought the service medal, looked Gus up, and mailed the medal back to him.

When Gus opened the envelope: Niagara Falls.

“I got my Purple Heart back after 38 years,” said an emotional Gus. “You have to shed blood for your country to receive a Purple Heart and I’ve shed my share of blood for my country.”

You, You, You.

The truth is, God, You do a lot of things that You’ll never get credit for. Not just big things, but little ones. Beer is only one example.

And yet sometimes I forget to sit down and simply say thank you. I wish I could tell you that I’m going to be more diligent about this from now on, and that I’m going to say thank you more often. But I think we both know that I would be lying, because I’m the world’s most imperfect guy. Nobody knows that better than You.

So I will simply say thank you here. Thank you for understanding me, and for not beating me up for my shortcomings. Help me offer that same leeway to others.

Thanks for looking out for me when I don’t deserve it. Thanks for today. And for tomorrow. And for all the other days You’ve seen fit to give me.

Can’t wait until we hang out in person.

Forever,
—Sean

What Ever Happened to Love?

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By Myrna Conrad

February is the month that we celebrate Valentine’s Day – a day where we purchase a special gift or card to express our love for someone. Even though the day will be celebrated on February 14 by many people, the world seems to still be filled with people expressing anger and hatred toward one another. James addresses this inconsistency in God’s Word as follows: “With the tongue we praise our Lord and Father, and with it we curse human beings, who have been made in God’s likeness. Out of the same mouth come praise and cursing. My brothers and sisters, this should not be.” James 3:9-10 NIV

Given all of the discord, dismissiveness, anger and hatred evidenced around us, we might ask the question, “Whatever happened to love?” Why do we go out of our way to find a way to express love on this day and not every other day? What does love even mean?

Merriam Webster defines love as “a strong or constant affection for a person. “A profoundly tender, passionate affection for another person” is the definition found on www.dictionary.com. The Cambridge dictionary describes love as “liking another adult very much and being romantically attracted to them or having strong feelings of liking a friend or person in your family.”

The words “I love you” can be said to many different people and the meanings can vary widely. Many people struggle to define and understand love. We all want to be able to express love and we want to be loved.

God’s Word tells us that God is love and that we humans crave love from the moment of existence. However, the emotion of love holds differing degrees of intensity. Four forms of love are found in God’s Word, coming from four Greek words: Eros, Storge, Philia, and Agape. Eros describes romantic love that two people feel for each other and we express as being “in love.” The Greek word Storge describes the affectionate bond that forms between parent and child, and between siblings. The word Philia is used to describe the deep emotional bonds found in friendship. Agape is the highest form of love and describes the immeasurable, unchangeable love that God has for His creation, mankind. This kind of love was demonstrated by Jesus when He gave His life for us.

All of these definitions and words center around a person’s feelings. Feelings come and go and that, I believe, is why committed love is so elusive in our society today. While love is a feeling, I believe lasting love is a choice followed by an action. Most of the time, people are seeking love to fulfill something within themselves, to fulfill their needs. However, when we experience the agape love of God, our need for love is fulfilled and we can love others by focusing on their needs. As I said before, feelings fluctuate, they change with the situation, but when we practice committed love with our actions, the feeling of love will come back even stronger.

You’ve heard the saying, “Actions speak louder than words.” This definitely applies to love. So, how can we better love those around us?

Be Aware:
Be aware of the discrepancy between what you say you feel and how you act.
Realize that love is a choice and an action, not just a feeling.
Think about the way you use the word “love” and make sure you aren’t replacing the word “like” with “love.”

Be Intentional:
When you are feeling frustrated with someone, choose to love them.
Don’t just express words of love, express your love through your actions.

Try to find ways to express your love toward those who are important to you every day, not just on special occasions.

Sean of the South: Love

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By Sean Dietrich

We were newlyweds, living in a grungy apartment.

Each morning, I would wake before her. I would pass my morning hours writing poetry on a yellow legal pad, sipping coffee.

Mostly, I’d write the kinds of god-awful things you’d expect newlyweds to write. I’m talking painfully corny stuff. I’d leave these poems on slips of paper scattered throughout our apartment for her to find.

One such poem read:
“Together, the two of us,
“In thought, and deed, and breath, and heart,
“Shall never be lacerated apart.”

Gag me with number-two pencil. “Lacerated?” What kind of a dork uses that word? In fact, I’m not certain this verb works in this particular case.

LACERATE [verb: las-uh-reyt] lac·er·at·ed, lac·er·at·ing
1. to tear; mangle; rip. Example: “Hey dude, that poem you wrote really freakin’ lacerated.”

My wife saved all my crummy poems in a shoebox, and today they reside in a storage closet.

Anyway, when we first married, we lived in an apartment that smelled like dead squirrels. I am not being figurative. I mean our apartment actually had a nest of decomposing squirrels in the attic above our master bedroom.

The place was tiny, and about as ugly as homemade soap. The tenant before us had painted the walls black and greenish-gray. Sherwin Williams officially titled this color “Seasick Granite®.”

When we moved in, we made the place our own. We painted the walls brown and khaki. We bought a used coffee table and some scented candles.

My friend, Chubbs, found an old console television on the side of the road. I was lucky enough to claim the TV before the garbage man came.

The thing was heavier than a dead preacher, but we got it up the stairs. Chubbs, however, would suffer from severe disc degenerative problems for the rest of his life.

Our building sat across the street from a Waffle House, a Chick-fil-A, and an ice cream shop. And this is why we gained nearly fifty pounds within our first year of marriage.
We never went to the movies because we didn’t have the money. We ate Hamburger Helper without hamburger sometimes.

We saved our cash for a new window unit AC—our air conditioner was on the fritz. The thing would only work on days of the week beginning with “R.”

On weekends, every weekend, we ate donuts. It was our simple ritual, and I loved it. Krispy Kreme was only a stone’s throw from us, and when the hot-and-ready light would glow, by God, we were there.

Over donuts, we would talk for hours about nothing. Heavy doses of sugar can do things to the human mind. It can make a person honest.

She told me all her stories. I told her mine. You can do a lot of soul-searching over crullers.
My professional life was non-existent, I took whatever jobs I could get. I spent days crawling rooflines, swinging a hammer, or operating a commercial lawn mower. She worked as a preschool teacher at church, or in a kitchen.

For extra income, I played piano at a Baptist church on Sundays, Sunday nights, Wednesday nights, Thursday night choir practices, and Saturday night prayer meetings.
We learned things about each other. We learned important things.

We learned how to argue in the middle of a Winn-Dixie, and how to attend two Thanksgivings in one day. How to share a sunset, seated on the hood of a truck. How to read in bed with a flimsy battery-powered book light.

We learned how to travel together with paper maps. And after years of practice, we finally learned how to make a bed together without me getting murdered.

We learned how to hold each other when loved ones die. We learned how to sit together—me reading a magazine, her playing a crossword puzzle.

We learned how to wring our hands in hospital waiting rooms. We learned how to bury dogs with a shovel and a burial sheet.

We learned how to make a life together.

A lot has changed since those days, but I still wake early in the mornings to write. I don’t use a legal pad anymore, I use a laptop.

This morning, however, I did not write. Instead, I sifted through our storage closet. I found things. An old coffee-tin sewing kit, some scented candles, love poems, and the picture of a young man and his new wife in their first apartment.

In the picture, the place had ugly gray walls, but that’s the only ugly thing about this photo.

He’s holding her. She’s holding him. They are young. Their skin is smooth. I wish I could tell you how much I love these two people in the picture.

I wish you could see their faces, and their punch-drunk smiles. You can tell they belong together by looking at them. You simply know that their names should never be said apart.
It’s as though nothing bad in this life can ever touch them. As though the two of them, in thought, and deed, and breath, and heart, shall never be lacerated apart.

I suppose that word is growing on me.

Happy Valentine’s Day, Jamie.

ECTC: A Love Note to Our Community

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By Nathaneal Fisher, ECTC

Ahhh…February, the month of LOVE. In 2022, we are determined to have hope and to continue providing you, our community, with excellent professional and educational theatre.

To all of our VIP Members who have consistently been there for us, renewing your membership, increasing your membership level or donating on top of your membership, you are the wind beneath our wings. Thank you for all the ways you have stepped up and kept us going throughout these challenging past few years.

To all of our Sponsors who generously give and remain faithful supporters, your partnership means the world to us. We love it when you come to the theatre, send your clients/customers to shows and appreciate your advocacy for theatre in our community.

To all of our loyal Patrons and future loyal patrons, we look forward to seeing you at each show and we appreciate all of the times you have told your neighbor/cousin/friend/stylist/cashier about ECTC.

To all of our Leading Ladies and Volunteers, you are the force that keeps us going and you do it all with a smile. Thank you for all of the ways you serve and support ECTC—we salute you!

To all of our precious Students who bring joy and laughter to our space every day, thank you for sharing your smiles and energy with your theatre family. We find such joy every time you make a new discovery or find more and more self-confidence as you sing and act your heart out on stage.

To YOU, our Community here in Miramar Beach, Santa Rosa Beach, Destin and beyond, you are the heartbeat of everything we do at ECTC. Whether you are a VIP member, sponsor, patron, volunteer, or student, you are the reason ECTC is a living, thriving entity because of your involvement.

This month of Valentines is busy over at ECTC. So, come see a show, have a laugh and feel the love!

The Marvelous Wonderettes is showing from February 10-13 (and March 3-6). Wipe that lipstick off your collar and time travel to the 1958 Springfield Prom with us where you can be serenaded with all the classics like “Lollipop” and “Dream Lover.” Featuring over 30 classic ‘50s and ‘60s hits, The Marvelous Wonderettes will keep you smiling in this must-take musical trip down memory lane! Great music, fine wine and a good time are central to this cabaret stage addition to our professional season.

For more love and laughter, don’t miss 2 Across February 18-27, an intriguing look at two strangers on the San Francisco BART train, and how a crossword puzzle teaches them each a little more about life and its unpredictability. This is the type of show ECTC fans have come to love. If you enjoyed Bakersfield Mist, Dancing Lessons and Maytag Virgin, you are going to love the comedy and connection that take place in 2 Across.

Finally, our Storyteller Series is not to be missed with your ECTC favorites on stage: Shirley Simpson as Katherine Hepburn in Katharine Hepburn and Allan Tuttle as Harry Truman in Give Em Hell Harry are all stories that share glimpses into history.

Come join us for some laughter, humor, history and fun as we celebrate the month of love! More information, registration information and ticket purchases can all happen at www.EmeraldCoastTheatre.org or call the box office at 850-684-0323.

Upcoming Schedule:

The Marvelous Wonderettes
Musical by Roger Bean. Cabaret Stage: Musical Revue.
February 10-13, March 3-6
Thursdays – Saturdays at 7:30 p.m., Sundays at 2:30 p.m.

2 Across
Written by Jerry Mayer. Mainstage Dramatic Comedy
February 18-27
Thursday – Saturday at 7:30 p.m., Sundays at 2:30 p.m.

Katharine Hepburn by Shirley Simpson
March 1 at 7:30 p.m.

Are Your Labs All Normal?

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Dr Richard ChernBy Dr. Richard Chern, MD

There is a big difference between being healthy and not being sick. In the same way there is a big difference between what is normal and what is optimal. This is true in many aspects of our lives and it especially includes lab results from your doctor’s office. It is vitally important to recognize this.

A great example is your favorite dessert. Say, it’s mom’s perfect apple pie. Since then you’ve had good apple pie, mediocre apple pie, bad apple pie, but you can still remember that perfect apple pie that mom made and for some reason the rest just isn’t quite as good. But you’re always hoping to taste that perfect apple pie again.

Our patients often find us after they have exhausted other failed avenues of relief. You feel tired, depressed, low sex drive, losing hair, gaining weight or any number of symptoms. The first stop is usually your doctor. You describe your symptoms hoping for an answer and solution but when the lab results come back you hear, “your labs are all normal” followed by your doctor telling you this is part of the normal aging process.

Well, honestly, you doctor is probably right. It’s completely normal for our hormones to decrease, our bodies to age, our minds to slow, and for disease and deterioration to attack our minds and bodies. We will normally end up with frail bones, memory loss, unable to take care of ourselves and eventually in nursing homes waiting for the end. 78% of people over 65 will need long term care. 68% of people over 65 will get cognitive impairment and not be able to even dress, bathe or eat without assistance. 40% of people who reach 65 will eventually enter a nursing home. The number of people with Alzheimer’s is expected to triple in the next 10 years. These are normal issues and the majority of these people have normal labs. So, are you certain you’re happy with normal?

I prefer to have my labs in an optimal range and I prefer to keep my patient’s labs in an optimal range—a range where I have a decreased risk of Alzheimer’s, decreased risk of stroke, decreased risk of cancer, decreased risk of heart attacks, decreased risk of dementia, increased brain function, increased bone density, increased muscle tone, improved mood, energy, skin, etc. We can’t stop time from passing, but we can absolutely slow the decline and deterioration of our bodies and minds.

It’s the beginning of a new year. How do you want this year to end? Better than before, healthier than before, happier than before? Or the same as before?

Dr. Richard Chern, MD not only provides hormone therapy to men and women, but also teaches hormone therapy to doctors across the country. In addition, he treats many of the doctors in the area. He is a platinum BioTE provider and runs one of the largest BioTE hormone clinics in the country in Miramar Beach. Call today for an appointment at (850) 837-1271.

Get Ready to Run!

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The 20th Annual Seaside School Half Marathon + 5K will be back live and in person on
Sun., Feb. 20, 2022, in Seaside! There are also a limited number of virtual registrations for those that are unable to join in person. The half marathon will start at 7 a.m. and the 5K race will start at 7:25 a.m.

Did you know that every single registration for the Seaside School Half Marathon & 5K and Taste of the Race ticket sales goes to support the oldest operating public charter school in the State of Florida? Further, the Seaside School was recently ranked the #3 combination school in the state!

Why not challenge others in our community and recruit your colleagues, classmates, congregation, neighbors, family and friends to compete virtually as a team, whether you are a seasoned runner or a casual walker. The top five performing teams, based on participation numbers, will be recognized and celebrated at the close of the race.
With your registration, you’ll receive a Vera Bradley® ReActive Sling Backpack,
Iconic race shirt designed by Billie Gaffrey, a customized playlist, unique finisher medal and a virtual goody bag full of surprises.

For event pricing, visit https://runsignup.com/Race/Events/FL/Seaside/SeasideSchoolHalfMarathonand5K. And sign up for a great cause in our community!

Journey Bravely: Are You Stuck?

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By Stephenie Craig, Journey Bravely

I was stuck. After 20 years doing what I had always dreamed of doing, it was clear the season was ending, and I didn’t know what was next. I was experiencing anxiety, anger and was finding it difficult to be fully present at work and in my relationships. These experiences were compounded as I discovered the harder I worked at getting un-stuck, the more stuck I became. All the wisdom and strategies I had gained over the years that served me in the past seemed ineffective at helping me move forward.

Feeling stuck is not an uncommon experience. We can feel stuck and directionless in our work, relationships, finances, personal growth, spirituality or any other area of life. Sometimes we experience being stuck as frustration and other times it feels like restlessness or boredom. Regardless, the feeling of being stuck is actually a positive indication that forward progress and growth is possible! And, yet, that forward progress and growth will likely require some new thinking, disciplines and outside help. This is the role of a coach and finding a good coach was the key I needed to unlock my thinking and move my story forward.

A good coach will help you uncover your dreams and potentially live them out. He will help you clarify direction, build self-confidence and find greater fulfillment. Coaches have many tools for helping clients move forward. Below are some that I find most powerful. If you are feeling stuck, these are helpful practices you can pursue on your own. Finding a good coach to work through them with you will save you the time, energy, frustration and pain of being stuck in your own thinking. Coaches help create space through intentional listening and asking powerful well-timed questions that help break the gridlock of a client’s thinking.

Create Space
Many of us are living aimless lives without intention, because we don’t take the time to create space and think. Growth won’t happen if you don’t intentionally carve out space to reflect on where you’ve been, where you are and where you want to go.
Carve out time to reflect on your past, your present and your desired future.

Gain Awareness
Often the most productive step in moving your story forward is to learn more about yourself as the main character in your story. Identifying strengths and blind spots, passions and values, and aspirations and fears provides insight about restlessness with your present state as well as some of the obstacles keeping you where you are.
Take some time to list out your top 3 strengths, passions, values, aspirations, fears and potential blind spots.

Clarify
One of the most deceptively difficult questions to answer is, “What do I want…really?” This question is so difficult to answer. Many are dismissive of the question or only engage it on a surface level. What do you want to be true about your life? And are your current decisions and disciplines aligned or misaligned with this vision?
Take some time to write an answer to the question, “What do I want…really?”

Develop a plan of action
The self-awareness of your present state and the clarity about what you want will clarify the gap from “here to there” and steps to bridge that gap. This clarity will also give you courage to say yes to opportunities in alignment with your desires as well as the confidence to say no to the ones that are not, guilt-free.
What is the next step you need to take toward the life you want to live?

Challenge
As you take steps toward your desired future, there may be voices seeking to sabotage the progress. Sometimes these voices are external and sometimes they come from within. In your journey forward, it is important to identify and challenge false narratives and to author new empowering narratives.
Write out one narrative that is holding you back. Now, rewrite it as an empowering narrative.

When you live the life you were meant to live, not only is your life made better, but so is every life around you. If you are interested in learning more about how working with a coach can empower you, you can find us at journeybravely.com.