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Glad, when I was employed full time outside the home, as part of a large employer group, my insurance for myself and my 3 kids (health, vision and dental included) was less than $500 per month, with a $1500 deductible for each of us per year. We almost never satisfied the deductible, so we always had a copay for everything. When AHCA came along, all of a sudden it's $350 a month for JUST ME, with a $2,500 deductible.

So needless to say, I don't have insurance now...and won't, until I can get a handle on all these bills I'm suddenly responsible for.
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Susan, great example. Can I ask what your deductible was when you had insurance? My cost for a decent plan with a $10,000 deductible is over $600.00 a month. They call that affordable? Perhaps, if you are working, but then in many cases your employer would at least partially fund coverage for you. The Affordable Care Act is a joke! And if you are a caregiver, that is not paid, even more so!
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I'm just going to toss this out there about the Affordable Health Care Act...

I am a small business owner. I gave up my full time job with healthcare and other benefits to start my business when I got laid off. Was I scared? You bet I was. But I felt pushed by some deep internal force to do so - 2 yrs later, my dad passed away and I had to move in with mom to take care of her - so the reason I felt pushed to start my own business made itself clear at that point.

Anyway...when the AHCA came into being, I resisted it tooth and nail. I hated the idea of being forced to sign up for health insurance that I couldn't afford, and being fined if I didn't. I didn't sign up the first year. The 2nd year, I did, because I felt I should have health insurance, and figured I would just have to bite the bullet and try to find a way to afford it. $350 a month for the policy I needed in order to get the ONE prescription I take on a regular basis and not have to pay out the backside for office visits, etc, or have a huge deductible. I made the first payment, then Mom fell, and things spiralled downhill from there. So I no longer have health insurance.

Fast forward to last weekend, after spending almost a week in agony with a dental abcess coupled with a respiratory infection, all home treatments that normally work for infection failed...I finally went to the walk in clinic and paid $71 to spend 5 minutes with a wet-behind-the-ears physician's assistant so I could get an antibiotic, which was FREE at the local big box store pharmacy. (Oh, and the topper? The PA told me to "save your money for some dental work because this abcess will probably come back". I wanted to kick him. I can't afford insurance...I'm stuck paying the excess on Mom's NH bill...plus my own bills...how the heck do you think I'm going to "save money" for dental work? Sure, that's REAL high on the list right now.)

While I was at the desk checking out, the phone rang, and the receptionist answered and discussed the charges to be seen at the clinic with the caller. She asked if they had insurance, and they must have said yes, because she told them it was $110 co-pay for them to come in - and then proceeded to tell them that if they didn't have insurance it would be $71.

Now what the heck is wrong with THAT picture?? I don't have insurance. I get a 40% discount and pay $71 to be seen at the walk-in, spend 5 mins with the doc and get a FREE prescription. Someone who pays an insurance premium every month, likely has a big deductible to satisfy as well, and needs urgent care...they have to pay $110!

...and they wonder why people hate this system.
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Affordable Health Care Act?! Don't get me started!
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Book...I love your Avatar, I remember fun times as a little kid trick or treating when Halloween was just a silly goofy fun thing to do with friends...I notice your comment re Medicare Part B...I had heard that as well....is this a done deal? Holy cow!! Mama already got hit with a huge penalty for not getting Medicare Part B early on.. There was a huge mixup with it and I have appealed and appealed but to not avail...what a pity they have no issue with this kind of increase on seniors and all the other pork projects out there that go untouched... Really pretty day here...Mama's fever is back...when Mama feels badly I find it impossible to be cheerful...but I'm trying..
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Cost of Medicare coverage is going to rise sharply. My dad's fixed income is under $2000/month. The gov't is going to raise Medicare Part B by 52%.
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LadeeC, I sure miss you all these months. I’m so glad that you’re back. I think this time, I will follow through with the self-help. All the other books I bought, I never finished. Please try to refill yourself. Can’t run empty. Not good for your health. (Just like running without enough sleep is not good, either – talking about me…)

Pam, I smiled when you said you had a major haircut and color. I just love it when I get a haircut. Actually, having the salon do a hair wash is sooooo relaxing. Very hard not to fall asleep while they wash my hair. I even love the warm, hot and then cold rinse. Very invigorating. I’m so glad that you also enjoyed your time with your friend.

Yoga, I would have thought the same as you – make an appointment on the same day. Now we know….

Hi Windy. I felt sad as I read about your brother. Shattered dream with your dad’s bike. I’m sure you would love to visit him. TSA… it’s not so bad. Get a passport and wish like h*ck that YOU are not chosen to do the xray machine. I finally got chosen to do this. Sucks. I sure hope they adjusted the machine to NOT sure your body too accurately. This is such a tiny island. If you can, I think it would be great if you visit your brother. Don’t keep putting it off – until it’s too late. Check your area if there’s any airfare specials. December and early January is a bad time to travel – Xmas season and they all hike up the airfares. {{Hugs}}

Ladee1, {{{HUGS}}} you know me. I see all these advices but don’t do anything – unless I must. Or comprehend it. Trust me, the audio book was replayed over and over – every 2 or 3 sentences he spoke. I was purposely burning his advice into my head. When I have time, I’d like to share the one that really hit me last night. The Self Rejection. I never thought that what I did automatically – was rejecting myself. I have to really think about this. Earlier, I found a thread that I commented on 2013. Read some praises to me. I read it, smiled it, and quietly said, “Thank you.” I’m not self-rejecting me – by not accepting the praise. Sigh… See, I learned something. And am applying it….

I found a paid caregiver, Ruth, that I’ve been searching for her profile in a long time. She gave some great advice. I read her “On my mind’ posts from the beginning. I miss her. She was really wonderful to her clients.
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Windy, so sorry to hear about your brother.

Good to see you back.
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Windytown so sorry for your brothers diagnosis and your pain because of it. :(
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Absent for a long time... My only sib bro just diagnosed with syringomyelia. Just sucks! He's a great though absent by the ocean brother. Tried to make a bike ride from his town in Germany to the shores of Normandy to honor those who came before him. He wanted to recreate his dad's ride at 60 but he's dying from his disease. My heart breaks.

My brother was my rock when (came home and stayed) my dad was dying and supported me as much as he can with visits and calls from Germany.

The bike he has is my dad's who made an 800 mile journey when he turned 60. Shipped it over with him last summer. It was bro's goal in life with his diagnosis. His dream is shattered.

I feel so awful for him. He fell over three times on the road to Paris. Is in awful pain, lost his jacket, on and on.

His dream is over. He'll be taking a train from Strassbourg tomorrow to home.

To face, what? My heart is broken by this.

Two continents because I'll certainly want to see my brother again. How is the question with mom and I swore to never let the TSA image my tushie.

My mother loved him best always. I understand that as I have a son.
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Yoga, funny! When I started the caregiving four years ago, I would schedule appointments for Mom and L together. At least they saw the same doctor, no up the down staircase kind of thing. But, that even got too much for Mom to deal with. After a year of back to back appointments, I scheduled them separately. The main issue was with Mom, she would get impatient, and stressed as she was not able to understand anything the doc was saying. She would become very worried about L, who has some issues, but nowhere close to where hers are. Yes, it took more time, but was better for everybody in the long run, especially me.
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LOL, Ladee1 ... that's the best part about "truisms" ... lots of sources can be named for them. Been adopted as a Zen saying, attributed to Buddha, Yogis and Theosophists can lay certain claims to its origins. Doesn't much matter, does it? The other thing I've learned is: we are ALL students and, variably, teachers. And, one of the best ways to learn something, is to teach it (I'm sure every parent knows this when they find themselves at the kitchen table teaching their child math, for the first time). I love watching a "waking mind." Whether I had anything to do with it, or not.
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Pamzi, That sounds like a perfect day. I'm taking a day to myself tomorrow, god willing. Today was stressful. Mom and dad both had Dr appointments in the same building on the same floor, one hour apart. I had the brilliant idea to take them together with their nurse to save myself a trip. Ha! Mom went into a tailspin of mean confusion, big upset. I started to feel sorry for myself in the waiting room. Just then, the door opens and in comes Tim Curry from the Rocky Horror Picture Show. I love him! He had a stroke last year and was in a wheelchair with a attendant. I told him I'm his biggest fan and he thanked me. That made my day!
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Good for you Book... like LadeeC said, we all learn in different ways.... I do best with something to read. and I do like live talks, where I can hear what i need and leave the rest, but I do that with reading also....

I don't know who said this, LadeeC may know, 'when the student is ready, the teacher appears'.... so you have 'heard 'all this, but now it makes sense, it is being presented in a way you understand and can internalize it....
I can't begin to express my happiness that you are seeing a light at the end of the tunnel....so many pieces of the puzzle will start to fall in place for you. Just owning that we make our choices.... sometimes uninformed choices, but ours, nonetheless,it also gives us the personal power to change our mind.... or to do things differently..... See what being 'grateful' did for you!!!! Opened all kinds of doors.... lol... you know I'm kidding here... in your own way you seek your answers... there are no rights, wrongs, good or bads,,, it simply means we finally understand our life has purpose and meaning....so sending you all kinds of uncomfortable hugs , with a big smile on my face.... love you very much Book.... very much.
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well today was pretty good! I decided to do something for myself and got a major haircut and color, then had a visit with a friend. Plus a friend of mine who is trying to get her on line BA degree wanted to interview mom for a paper. So I got to go out, and Mom had a visitor and some fun! And the friend also interviewed my other friends hubs, who is 15 years older than her. So it was win win all the way! The two of us got a break, and so did Mom and friends hubs! It is hard to find something new for mom to do, as she does not have many friends here since she moved.
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Book .. funny how we're all different (in a good way). I listen to a book/reading to fall asleep. I *might* catch a phrase or two that sticks, but if I really want to HEAR something, I have to do one of two things: read it or see it spoken. I was *horrible* in classes where you had to take notes while the professor droned on at the front of class. If I wasn't participating (on some level), it went in one ear and out the other.

Anyway ... YAY for you!! It doesn't matter HOW you get it .. just that you did! Wooohoo! It's a massive step toward self-realization. We are ever so much more available to others when we know who and what we are. Otherwise, everyone is just guessing: "what do they want from me?" "how can I give them what I think they want from me?"

For me, at the moment, it means: I'm tapped out. I can't give any more without getting something in return. My reserves are empty. (Never a good thing.) It's time for me to replenish my resources. So, I'm having to put big ol' "EMPTY" signs all over me. It's a tough one to admit, but if I don't I'll be drained to death. Literally. And I ain't ready for that. No. I. Am. NOT.

{{{hugs}}}
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I find that listening to self-improvement audios are much better than reading it. I ordered a $10.00 audio of Wayne W Dyer's Your Erroneous Zones. Erroneous as in Wrong, Incorrect. From what I gather, this audio is like an Outline of his book. He's hitting all the main points. I have been replaying over and over his introductory. Haven't even gotten to the meaty part. It's just his introduction reminds me soooo much of what you have been trying to tell me, Ladee. And his advice also reminds me so much of what JeanneGibbs gives, too. And CM. And others on this site.

This audio has helped me a lot in being able to put what you all advice in writing - into verbal, hearing advice. It's easier to maintain new thoughts if you Hear It (compared to reading it. But I did buy the ebook for the more detailed information.)

The most important thing to believe is that whatever life I'm in, experiencing, circumstances, emotional reactions to people/events - is completely 100% MY choice. I chose to stay home to help the parents. Just as my subconscious chose to blank out my childhood. Where I am now in life, is what I chose to be. It's not my parents, nor my siblings...

Did you know that Self Doubt is disliking myself? Rejecting myself, putting myself down, finding fault with myself. I need to learn to accept my body, my mind. It's all I have. I don't think I really have a problem with my physical appearance ....other than my gray hair, and that balding spot on the top of my front head, and the belly sticking out... okay... I admit, I Do have to work on accepting myself 'as is.' =) Hey, I'm prepared. I already ordered since last year a wig - for when the time comes and I only have wispy hair. I've even had a goal to google how to use that turban - if I don't feel like wearing the wig....

Did you know that when a person dislikes himself, he becomes a burden to others? He's never happy, does not know how to be happy, and so looks to others to make him happy. When things go wrong, he blames others. Just doesn't know how to enjoy life. Do I dislike myself? I don't think so. I may hate my life but I don't hate me. I don't dislike me. I chose to be in this situation, so it's my choosing to be here.

Self-Rejection ... oh my, this is My shortcoming! I will need to replay this audio a little bit more. Get it into my head that it's a no-no. And how to recognize it, and how to react when it happens.... Definitely - audio is soooo much better than reading! Have to go now. Dad wants his pamper changed. He BM a lot - according to him.
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Fantastic Book !!! See , you are being shown there is a lot in life that is good, that people are good, and outcomes can be good... and it does lift our spirits to be appreciated and recognized......and finding things to be grateful for, makes us look for other things..... just love ya Book.... and very very happy for you and very proud.....
And yes Sendme... I really am resting... I have gone part time on my job... which has helped a lot....just can not get my self crazy over loss of pay, won't matter anyway if I end up really sick or die.... so have really worked on a different perspective on things..... and thank you for thinking of me..... going to take a nap right now, as a matter of fact.... hugs to you and thanks again...
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Book, that job description was for you.
Ladee, resting up was for you.
Why am I falling asleep here, mid-morning, just after coffee?
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Ladee, are you also resting up? Sounds like a stressful job with the time limits, deadlines, and re-do's. Some are not as kind as you and won't go out of their way
to find the cheaper flights.
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I think God and Ladee and all of your well wishes are coming my way. Also today, I went to the bank to make a deposit into the company that does our payroll. As I walked up to the teller, I smiled and greeted her. A little background info. This bank is not the bank we deal with - personally or business. I only come here to pay money for our payroll. I have noticed for years, that the tellers of this bank are not very friendly - as in islander friendly. I have bank accounts from 3 different banks. Two of them are very friendly. The third one - is more business like- quick, do the job - and NEXT!

So, this bank, today, is the payroll bank. She said, "Good morning!" without a smile. I greeted back with a big smile, "Hi! Good morning!" She paused and smiled. She said, "Every time you come in, you are so cheerful, perky!" Then she asked my name. Sigh.. Finally!!! Most tellers (and USPS postal workers) tend to be very friendly with me quickly.

I never want to be a teller. I have stood in line for years. And eavesdrop a lot. These tellers are treated as non-person. People walk up to them, do their business with no greetings or smile. So, I make it a point to smile and be very friendly to them. I just feel so sorry for them. Now, when i go to different bank branches or different Post Offices, I'm greeted out loud with my name. =)

Another gratefulness. Wow, 2 in one day! All of your thoughts/prayers are working. Thank you!
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As I mentioned previously, I've been handling 2 big clients. One company, it's like every department making travel requests for several people, with different flight options. Most are last minute bookings like within 2 weeks from now. Due to TSA requirements, i need to make sure I have their passport name, DOB, etc... Sometimes, the person handling the reservations is Not paying attention and give me names that's not based on their passport. Some airlines won't allow me to make name changes. I would have to cancel and rebook it with the correct name. Response,"Oh, I thought I can just give you the passport name later on." No! That's why I asked for their Full passport name.

Yesterday, I was able to grab the last 2 seats to Singapore with an airfare of $890.00 but it was 7-8 hours layover in Japan in Each Direction. The airfare with short layovers was over $2200.00 per person. Today, I found an airfare of $990, with a shorter layover in Japan on the Return flight. I called the coordinator and gave him the good news.

AGAIN, I asked him to please verify if his co-worker's name is what he gave to me. He said that he still has her boarding pass from the last trip. Doesn't that mean it's what's on her passport? I said "no". Like now, you gave me her name as "Julie Andrews". I will book it as Julie Andrews but that may not be her name in the passport. Hours later, he sends me an email: Her full name is: Julie Jones Miller." I tried to change her name - and I couldn't. I called him up to break the bad news. He was upset and tried to blame it on me. I said that that's why I ask fo r the passport name. The airlines don't do name changes.

Anyway, I had to cancel her reservation because there's no way she can travel as Julie Andrews where there's not even an "Andrews" in her passport. We stayed on the phone while he was panicking. I rebooked the flights for her, and kept coming up with $2200-some. After a while, I found the same fare on the same flights. He was sooooo relieved.

I said, "I got it! The same flights, the same airfare! You guys are soooo fortunate!"
He replied, "NO! YOU are brilliant!"

=) Me smiling here. Ladee, I am grateful that this client appreciated that I do my best to get what they want - best route, best airfare. Now if he can just tell my bosses!!!!
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Correction: Not "fruit fly trip"... "fruit fly TRAP". Wish I could blame the kindle. It was my fingers that misspelled it while typing on the laptop.
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There was a time when we had a bad case of fruit flies. They are so tiny, that they can go right through our screen windows. At first, they were only in the kitchen. Then they started showing up in the livingroom. I had to make sure all leftover foods, including the ones left in the kitchen drain were cleared out. Ever since our trash collector declared No Food in the trash, I've been putting it in the ziplock sandwich bag and throwing it in the trash. (Before, I was throwing the food out in the yard for the cats. Except the cats disappeared and the rats came. So, no more throwing in the yard, and back in the trash.) For those that came in the house, I started putting containers with vinegar and Dawn in it. I remember putting one in the kitchen and one in the livingroom. That drew the flies to it, and they died.

I never heard of fruit/drain flies. So, I just googled it. The female fruit flies will lay eggs inside the drain - kitchen and shower drains. Pam is correct about the bleach. The thing is, you need to pour bleach in your drains regularly to keep the fruitflies away. It's recommended to unscrew the drain cover, and then pour the bleach in. By removing the cover, you will be able to cover all around the drain with the bleach. This procedure is to Kill the eggs laid inside the drain.

To kill or cut back the fruit/drain flies, you will also need to make your own fruit fly traps (4-5 traps) depending how bad it is. There are different fruit fly traps that you can make. Google: thebugsquad - fruit fly trip

It's not only food that draws the fruit flies into the house. Fruit flies are also drawn to the cat litter. You need to change the litter regularly, and strategically set one of your home-made fruit fly trap near it. This way they go to the trap and not to the litter.

So, for you guys, it's fruit flies season.
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I don't even own a TV Glad,! Happy you are getting moved back in.... it will be so much fun to have it all to yourself and sewing purple corduroy drapes for the living room.... !!!! Congrats and then the new job will land in your lap..... hugs .
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pamz, I think I have fruit/drain flies, too! I sprayed some raid. It took a couple of times, I hope they don't come back. They were in my bathtub and sink. I'll try bleach, thanks.
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Book and yoga.. I have fruit / drain flyes. They are picking me off big time! I have bleach down the laundry room drain, and some crazy mix I found online in the kitchen . Wish me luck.. or I am going to have to call an exterminator. Which will p my hubs off big time...LOL
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Book, property brothers, now that can get anyone excited about remodeling, buying, selling, getting new appliances!
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Glad, did I read that right? Is cmagnum suggesting you get GPS instead of a crystal ball? Que sera, sera, whatever will be will be, (that's what my mother said to me).

{{{{Hugs, lol}}}}} CMag, knew that would freak you out if you had to explain.
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Yuck!
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