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?

                                          https://coinqueensyardsale.ecrater.com/