It's Cold Outside

  Hello all. Well here the story for the. First how is everybody doing so far for November? Me it's cold her in New York one minute its nice next freezing cold. Anyway, here the story. First I got a surprise. Our Governor sent a check for energy bills help to everyone. I got  $200 which was needed and unexpected. Thanks, governor.  Ok here's the shocker for me I had to get my passport renewed. Did you know for a new picture it will cost you $40.   I had to get two pictures one for me and one for my partner. We got them out the drugstore. For the renewal fee of two passports, it cost me $265. Here's the kicker I had to send them by  priority mail costing me about $30 bucks.  Did I forget to mention I had to get money orders for all this. Which was an extra fee of $4. So, in total two passports cost me $339 give or take.  Is it just me or is that crazy? For passports that I might or might not use.When and if I travel? The only reason I got them was because I go cruising and need them.

Also heads up make sure to always check your bank statements and credit card statements. With so much hacking into to computers and people getting your information it always pays to check. Also, get a credit report get that on the regular. If your still not comfortable about someone getting your information put your credit like I did on freeze. call the  companies like Trans-union, Equifax and speak to them about it.

                                             That's my story what do you think?

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Happy Halloween

  Hello all well here's the story for the week. First happy Halloween. Now on to the story. I got a nice surprise this week. it was an unexpected check from our Governor. She gave everyone according to the household wither $100 or $200 to pay toward their energy bills. I like getting money in the mail don't you. Anyway, since my Con Edson bill usually run $260 a month now it will cost me only $60 this month.  It's a blessing in my book. I find myself spending more money for the month of November and December than any other time of the year. Is it the same for you? I know these are the holidays months but with the way the economy going lately who has extra money like that to spend?

I got a letter well a few stating that the banks that I deal with are being hacked and that I needed to make sure all the get a credit report on the regular. Which I do. I also had my credit account frozen years ago. People are stealing more now than ever. So, I try to be vigilant about my money and credit. Even though I don't believe in charging its against my region. I'm an all-cash person myself. What about you?

So anyway, make sure that you always check your credit report, charge card statement, banks statements. lets say all your financial documents that you get. So if anything happens you can be Jonny on the quick and deal with it.

                          That's my story for the week what do you think?

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Did You Know This???

  Hello all well here's the story for the week. Did you know this? What I mean to say is that I got a letter from one of my banks stating that my account  was dormant and that they would be sending it to the sate if I didn't come and make a deposit into that account. Mind you I been having direct deposit go in that account for years. It wasn't on the regular but it was every few months. That's wasn't a problem until  recently. So you know I was pissed. I got the latter on Friday by Tuesday when I went to the bank the teller told me my account was in the dormant office in  the bank. I still could deposit money into it but couldn't use the account for 2 days . Because they  had to  retrieved my account  from that office.She also stated if I had another day the account would have went to the state's unclaimed funds department. I told her that my account had  direct deposit in it for the year she stated it didn't count they needed to see a live person come in and put money into the account. What's that about . I know normally I put money in to all my account once a year because it use to be that bank account go dormant after 7  years now it's after 2 years. 

The last thing I need to do is give the sate my couple dollars like they really need it. So beware. Check you bank accounts especially if you don't put money into on the regular. At least make sure every year you put a dollar in all your accounts. That will at least keep the state form getting ahold of your money for two years. This is a New York situation not sure how other states work, but  you can ask your bank. Oh you do get a letter from the bank before they send your hard earned money to the state but how much time they  give you to come in and put money on your account is questionable..

                                           That's my story what do you think? 

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Funerals Are Stressful...

 Hello Family well here's the story for the week Funerals are stressful. Let me tell you why I say that. A close relative had passed away. His wife was unable to  make his funeral arrangements. So I stepped into do it.  It was not only stressful but crazy to. Who knew that going to the funeral home and going over arraignments takes so long. It's a process that  was new to me. After everything was said and done it cost over $ 12,900. and took 3 hours  to do. My relative that passed served in the military, so the government gave him and his wife a free burial plot.  Which was a plus. It  saved the wife  a lot of money. Because the burial plots that the wife wanted cost 10,000 for two people. Did you know that funerals cost that much? Anyway after  everything was taken care of. I not only was tired but got a wake-up call...

First make sure that you have money for funerals since they can run you about 15,000 or more. Also make sure that you have wills in place for what you want people to have. Did I mention that people were already coming out of the woodwork. To see what they could get from my relatives death and he's not even cold in the ground yet.  Also remember that if you depend on someone's income and they pass suddenly Then what? Where are your financed coming from to live on? So many things to think about. I told you it was crazy and stressful but a lesson learned  nevertheless.

                                            So that's my story what do you think?

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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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