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She has plenty of catnip right now. I need to go to work, but will try to update it tonight.
Huntington, NY 5 Day Weather
11:37 am EST
BRRRRRRR
why is it always cold on my b day? ice cream cake !
TODAY FEB 19
46°26°
0%
THU FEB 20
36°19°
0%
complainnt my optimum wifi rate went up to 48.
i called them to bitch. they told me my bill was down to 48 because of a promotion. yeesh
how's a gal spposed to retire when everything is getting more expensive. does ss give cost of living increaes when the wifi rates go up?
Well, after several years of no SS increase at all, I finally got an increase this year of about $17/month.
But my monthly Medicare premium went up $11.50 
So, yes, I got an increase of about $1.27/week to spend on all the other expenses that went up over the last 3 years.
Home again and with some faster WiFi than at the mall. Great DIM thinks there is an update when there might not be one.
my kindle came. it won't zoom the screen ??
my co worker put it on largest font for me, but i still can't read the screen.
Remembering the last time you gave your age...you are far from retirement age. And if you take SS early, you lose some of the money you would get if you wait until full retirment age. They do have a cost of living increase now and then. This year's was barely much to mention.
Dana
...mine will be exceeded by a rent increase starting in April. so I'll actually be falling behind. Fortunately I have a state programme that covers my Medicare premiums as my monthly SS benefits are rather low. If I had to pay that as well, I'd probably be on the streets.
...I had little choice as I was physically breaking down and almost all my of work background/experience, outside of a small stint in programming (in languages no longer used) was in occupations that had heavy physical demands I no longer could perform. To get into a "sit down" tech occupation, I'd have to go to school again to learn all the new stuff which would mean being saddled with new loans and no guarantee of a job as ageism is much worse in the tech sector than in other industries.
I had to give up my state program of state Medicaid benefits because my federal SS income put me over the NY State limit for collecting "...aid" from the state. However, I've been delving a little deeper into what my Medicare "Advantage" policy from <a private insurance company> provides for additional services above and beyond standard federal Medicare. Things in the "Advantage" policy that I may not be taking advantage of.
(US medical care is so complex.
And mine is a simple case.
) They keep trying to get me to sign up for in-house evaluations. I think they want to find out if I'm a hoarder or likely to fall in the bathtub, or set my house on fire by smoking in bed, or get some horrible disease from a zillion cats sleeping on my face and pooping in my food, so that they can up my rates or deny some services or cut benefits. They're in for a disappointment.
i'm not waiting for 67.eek.
i was 5 when they landed a man on the moon
Was it this time?
A true hangover is when you know your head hurts, but you're not sure whose head it is!
...yeah I cannot even afford the basic premium let alone costs for any of the Advantage plans. Given how paltry the LCAs have been though, it will be a while before I exceed my state's threshold.
Actually, I don't think I pay any extra for the "Advantage" plan that I have. I believe what happens is that the contract that the <a private insurance company> has with the government is that instead of the government paying my bills directly, they take my money that the govenment deducts from my SS check for medical care and buys a policy from the <a private insurance company> and by mysterious fiduciary magic and smoke and mirrors, the <a private insurance company> twists around the services and deductibles into some plans that they feel will attract more customers than the standard Medicare service and deductibles. Then they repackage those options and some extras into different packages that other demograpics would be attracted to for better service but with bigger premiums.
Point being, that I was totally unsatisfied with standard Medicare rules (80% off of a huge number is still unaffordable), and based on my personal predictions of how I'm going to need medical service for the next year I've been able to find an authorized Medicare "Advantage" policy from <a private insurance company> that doesn't cost anymore than the standard Medicare premium but fits my needs better. Of course if I have an unanticipated major medical emergency involving major surgery and very long term hospital stays, I'm screwed! But for typical health costs like doctor visits, prescriptions, blood tests, and short emergency room visits and short hospital stays, I can manage the cash to cover the shortfall. When the year comes that I feel it's time for my heart surgery or spine fusions or hip/knee/ankle replacements I'll pony up a little more for better insurance for that year during the annual October-November sign-up period.
The trick is finding the plan that I can afford from their telephone book size catalog and accurately predict my imminent health problems. It's like playing Russian Roulette.
But it's gotten better, For the last two years they've had an on-line policy analysis tool to help navigate the five dimensional costs/benefit matrix.
I don't know what the other Medicare associated <private insurance companies> offer, but I've stuck with one of the bigger ones for 8 years now and haven't been disappointed. I won't say their name but you could predict that it has the words "Health" and "Care" in it and are not unUnited.
...back in November/December I was getting a flurry of emails regarding "open enrolment " for supplemental Medicare insurance. Again While I didn't need it, I went through the motions just to check it out and when I finally looked at their offerings I was aghast at the costs. The lowest priced policies offered based on my income (with a lot of restrictions) was between 450" to 550$ a month. That would have bankrupted me. Again, I have a number of years before I finally exceed the threshold, so I'm not all that concerned. At an average increase of 15$ a year (when we do get an LCA) it will take about another 18 to 20 years before I have to start paying even the basic premium.
Where the hell do you live? I sold medicare supplements for four months that felt like an eternity, and $550 a month would have been outlandishly expensive compared to anything we dealt with.
...Portland, Oregon where the rent alone for the studio flat I have in what is classified as "low income housing" is just over 50% of my monthly SS benefit.
I'm not sure how much the cost of living factors into med supp pricing, but state insurance regulations definitely do. I'm to the north of you, and I wouldn't have thought there would be such a huge difference.
"Supplemental" Medicare insurance is known colloquially as "Medi-Gap" insurance. It pays for everything that federal Medicare doesn't. It covers the "gap". It essentially covers everything, no deductables, no bills. Of course it's going to be expensive. But of course to complicate things there are various levels of "Medi-Gap" policies.
Medi-Gap policies are what you get if you're financially secure or in dire/final situations. If you're lucky enough to know when that is.
For young or foreign readers here's a rundown of federal US old age (over 65) medical support: (* Disclaimer: this is a lay person's assesment of this fun fair *)
In basic terms US Medicare has three levels:.
1) "Basic" Medicare which covers a lot of things but only pays for about 80% of a bill (yes, it's more complicated but that's the essential idea. Simple idea, but many places to fall through the cracks, uncovered treatments, etc.)
2) Medicare "Advantage" plans are insurances which are purchased by the government at group rates from private insurance companies with possibly more deductions from your SS check. They cover at least the same as basic Medicare and add a few advantages of their own. (Many companies, many options, much confusion)
3) "Supplemental" Medicare Plans are again private insurance purchased by the government at group rates essentially to pay for anything that Basic Medicare doesn't. They "supplement" your Medicare coverage. i.e. the deductables, unpaid bills and many treatments excluded by basic Medicare. (and yes, they can get complicated too)
However, "Advantage" and "Supplemental" policies are exclusive. If you have one, you can't have the other. "Supplemental" supplements Basic Medicare only.
Each year from mid-October to mid-November we are permitted without penalty to change our Medicare coverage. At that time all the private insurance companies fall all over themselves and flood the snail mail and e-mail channels to brag about the policies that they offer and to get you to sign up for their particular flavor of "Advantage" or "Supplemental" Medicare coverage. And a fun time is had by all.
Then of course each State in the US has Medicaid system which is partially funded by the federal government but mostly by the States themselves. If you think 3D tools are complicated you haven't had to deal with State and Federal medical rules & policies. Head 'sploding angst.
And all this is paid for by deductions from your Social Security(SS) benefits when you retire. That's assuming that during your lifetime you've been paying into the SS system and are now getting that money back as monthly benefit checks (SS doesn't issue checks anymore, it's just deposited straight into your bank account). I don't know what happens to people who didn't pay into the SS system while working. Can they get any Medicare at all?
nice birthday surprise, fed tax deposit yes!
AND, found my createspace titles. amazon auto transferred it to kindle kdp page. conveniently, theres a button to turn my paperbacks into kindles. the kdp dashboard is ugly. the media on demand page is much neater.
friend at work gave me bday latte. holding it for warmth. is c c c cold.
i have to see somebody about cataracts. is it an outpatient surgery? what the recovery time?
my amazon bio page has a picture of me from 20 years ago. the before and after is freaking me out. what happened to me? the days when i could see, walk without the rollator. 10 years ago i was going on bird watching hikes in Connetquot park taking pictures of Osprey and egrets and Herons. now, stepping up on a curb is an iffy proposition, why am i even bothering with the exer bike? she exclaimed in disgust.
my aetna deductible is 3,900$ don't know when i can take of these cataracts.
i'm thinkin instead of 4 birthday cakes this year, i'll get a couple of birthday mini canoli
i just thought of a name for a new novel. "Firmly in Cheek" tee hee. dunno what it's about yet.
my only novel that still sells a few is a little fetish novel i did. i should do another one. made 4.82 in royalties this month. yippi kai ay
20 bdays ago. me and my schtein
LG in SF twenty years ago when the world was full of promise and beer and men.
I just ordered cashew chicken when I wanted General what's his nam chicken. I ordered it because it was cheaper. Nothing wrong with cashew chicken really. Just not what I really wanted.
...cool.
heat is down at day job. hole in the heat transfermathingee.
need hot potato for warms.
28f here tnight. the night shift gonna be bitching all night. cant blame em.
i ordered sweet n sour chix with plain white steamed rice.
the rice they sent was a salty thing that woulda been dangerous to eat.
... been thru the desserts on a horse with no name
...our Medicaid plan here in Oregon (called the Medicare Savings Plan) was actually not all that difficult or complicated. I received a letter noting I was eligible, filled out an online form, and no Medicare premium charges. (one payment was deducted before I was certified, but that was refunded). The threshold here is around 1,380$ so as I mentioned, I have quite a few years before I'd have to begin paying the premium and deal with whatever supplemental plan is needed to cover the rest.
time for bday irish coffee. opening fresh bottle jamieson
watching heman toons better with whhiskey.
hee mann hee is the poww werrr
did hunger games live up to the hype?
is 3.99 to watch on prime
no idea what it is. looks like a twilight kinda movie. havent seen those either.