By the time you read this, many of us in cold-weather areas will be listening for (and dreading) the click sound that heralds the arrival of warm air through the furnace vents. The dread comes in when we mentally calculate just how much it’s costing us to stay warm.

The temptation, always, is to set the thermostat at a lower temperature and cut costs. However, for seniors this can be dangerous. We’re no longer physically equipped to handle

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