Wake Up Call!!

 Hello all well here's the story for the week. I got a real wake up call this week. Remember when I was telling you that I was trying to help a relative stay in a nursing home. Well i talked to the financial   person in that home and what she said not only confused me but shock me into realization.

First the financial person told me that my relative can stay in the home for 100 days but  Medicare  will only pay for 20 days out of the 100. The other insurance they have might help you pay the rest of it. And the word might is strongly told to me. The daily rate with the second insurance is $250 a day and if the insurance don't pay it $500 a day. For a nursing home!! I asked. I was in shock how much nursing homes are charging private patients ( ones with no insurance) to stay in their residents. The financial advisor for the nursing home also told me that I could apply for Medicaid but I need a lot of paperwork to get the ball rolling. Is this  crazy or is it me.

Now I see the value in having long term care insurance or at least another insurance that will cover your expensed for you have to go into a nursing home or need home care. it's crazy how expensive medical services are in this country. I am now really taking a hard look at my insurance and my partners to see what it covers. because I can't afford $500 dollars a day for a nursing home and really don't know who could. 

                                        So that's my story what do you think?

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Who Knew???

 Hello all well here's my story for the week, I'm dead tired and here's why. I have a relative in their 80's with no children and they went into the hospital.  Since I was the closet relative, I had to help them in the hospital with getting the things they needed. Also ,thank the lord they had good neighbors who pitched in to help. Anyway, I had to put this relative in a nursing home for a while. Here I thought that Medicare was gold when it came to medical expenses. I was so wrong. When it comes to nursing homes it's Medicide the winner.  I'm talking about New York only.  They want you to be on Medicade  mostly private insure is good to but the nursing homes really want that Medicade from you. If the nursing homes decide to take you and even that's a big if. The social worker had to go through no joke 35 nursing homes before I got even two to accept my relative. Even the rathole nursing homes had the nerve to turn their noses up at accepting my relative. That's crazy

If you have to deal with having to put someone in a nursing home.Beware it's stressful, crazy and you really need to be downright poor for them to take you. Again, it's crazy but you will geta good education of how the nursing home talking about in New York only where I live works. Not sure if this applies to other states. Well that's my story what do you think?

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Isn't Water free???

 Hello all, well, here's my story for the week. It's been crazy. But first, when did water get so expensive??? Didn't it use to be free??? I got my water bill this week, and it was $256.00 for 3 months. It used to be $80 for three months. Most of this money is going to sewer repairs. The city gets taxes every year for this and other things, and they still make us pay for it in our water bill. It's getting too expensive to live in New York no matter how cheap you try to live. Bills go up, it seems, on a monthly basis. Not to mention, I needed my car fixed this week, and it cost me $1500 for repairs. The saying is true: if you're not making atleast $80,00 a year or more, living in the city will kill you, and I live in the suburbs, and it's still killing me.

I had the nerve to order a pizza the other day; it was 35 dollars for a large pie. Not to mention Chinese food cost me $50 bucks easy, and I get all small sizes in food. So how are you making out with your bills for September? Got any suggestions because I could sure use some right about now....

                                             That's my story. What do you think?

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Back!!

  Hello all, I'm back and here's my story for the week. I'm back from a 7-day trip in Bermuda on the NCL Agua. One of NCL's larger, newer ships. Can I say it looked like a shopping mall on water?  First thing, my balcony room had an obstructed view of the water; I saw part of the stupid water slide this cruise ship seems to want to have. Mind you, the cruise line spent millions of dollars on this ship, and their theater was too small to accommodate over 4,0000 people, and let's not talk about the specialty restaurants that came with your cruise package. I waited in a two-hour line only to be told I only get one out of the three that I was supposed to get because they were all booked up for the entire trip. So, what you're saying is I paid you for specialty restaurants, which were supposed to be free, but really they're not, and I can only have one out of three? Really??? Not to mention the shows on the ship were horrible, along with the food. You spend all this money building a ship and forgot to spend the extra on quality food and shows again, really???

 The ship next to the NCL Aqua, which is on the right, is Royal Caribbean. I heard complaints about her as well from the people traveling on her. Cruising used to be fun and cheap. Now it's expensive and more stressful than it used to be. I like cruising, but it's not worth the hassle of the money for me anymore. Did I mention that every chance they get, they try to sell you something. We had drinks too cheap to buy the drink page at $500 for two people for 7 days. Well, the drinks I ordered cost me $18 each, $36 for two drinks. Really? I can get a whole bottle for that with change left over.

If you're cruising, find the best deal and make sure to bring extra money so you won't get sticker shock when you see how expensive things are; that goes for Bermuda too. That place is just as expensive. 

                         Well, that's my story so far. What do you think?  

Just Wanted To Share

 Hello all  , here's my story for the week.  I have no real story for you just wanted to share something beautiful with you for August. I noticed that certain pictures you could only really see and appreciate when you're in the middle of water, like I was.  Happy August

                                     That's my story. What do you think?

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I Need To Say No!!!!

 

Hello everyone. Happy August. I need to say heck no, no more!!! What I mean is that I visited my local casino last week- bad move on my part. I usually go with $300 and save $100 of that for gas money and such, but this time I went Crazy. My partner and I both did. We ended up spending $1000. Which is not like me; I'm cheap, remember? I got so caught up in the games I forgot who I was. So I have to stay away from the casinos; they are stealing my money legally at and making a killing doing it.

                                             

                                    So that's my story. What do you think?

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Social Security Talk

 

Hello all, well here is my story for the week. I went to a Social Security lecture with dinner. Given by the bank that I use. The Social Security information was interesting; the speakers talked about the basics of when you start to collect Social Security. What the speakers was basically saying. If you have a pension. Are in good health and don't need the money. Collect your Social Security at the age your supposed to. He even suggested waiting until you're 70 to collect. Personally, for me that's crazy to wait that long. At 67, I'll get my full benefits and not a reduced rate. The speaker also said if you need the money, then collect your Social Security at 62. But the reduction you get for collecting it early, even when you get to be, say, 67 for me, for example, would never get bumped up to what I should have normally gotten if I would have waited to collect at 67. Basically, with Social Security it's a numbers game, and you have to sit down and see where your finances are before you decide to collect. And what kind of reduction you will get if you take it at certain ages.  In my opinion, Social Security, even though you have paid into it for a million years. It's your money you're getting back. They still want to dish out how much you get. When you get it and tax the heck out of you for it. Crazy right?

When the speakers started talking about the medical part of Social Security, that's where everybody got lost. Bottom line: when you're ready to collect Social Security make an appointment and sit down and talk to someone who works for Social Security. Then you can make a decision based on your financial needs and life.

Me, I'm collecting the medical part of Social Security as soon as I can. I have medical conditions that require ongoing medical bills. Thank God for my partner's medical insurance. Which covers me, but I still need that medical coverage from Social Security. The dinner they served at the lecture was Mexican. It was good and free you know I like free.

                                            So that's the story so far what do you think?    

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