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MARGOMCP's Photo MARGOMCP Posts: 8,670
11/27/12 9:51 A

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Yes, I keep realizing when they start talking about unemployment being 8% that that means employment is 92%; wonder why we like to focus on the bad stuff.

I have a silver bowl I thought was a family heirloom but turned out not to be in a local action in a couple weeks; I'm hoping for $1,000 and I get my first Social Security check the day after Christmas so things are looking a little better for me, moneywise.


There is no pleasure worth forgoing just for an extra three years in the geriatric ward. ~John Mortimer


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PAPA175's Photo PAPA175 Posts: 1,098
8/1/12 10:06 P

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Our area doesn't seem to be hit with any economy problems other than what we hear on the news. It seems to be more of a word of mouth rumor and broadcast scare. To be more sensitive with our lifestyle change, we have lessened the bad foods we keep around.

Hoping for Success Without Hard work is Like Trying to Harvest Without Planting.
Charles


MARGOMCP's Photo MARGOMCP Posts: 8,670
1/6/12 7:59 A

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I have food being delivered this morning. I'm very glad; with this cold I don't want to do much, poor DH had to go out and get me some cold stuff I wanted yesterday. I am paying attention to the food, choosing less expensive items if I can instead of just treating it like the Sears Catalog at Christmas like when we were kids and picking everything I "want" :-)

It seems to be working pretty well; I added up and averaged my food charges for last year in December and rounded it down a notch or two for what I'm aiming for and we were a couple hundred dollars under the lesser amount last month. We do eat mostly fresh food, except for all DH's desserts and snacks so get a double whammy, eating good meat, eggs, fruits and vegetables and packaged desserts and snacks. He has a special cheese he puts on crackers after his nap, for example, and likes sliced ham and cheese in his egg sandwich he makes each morning, that kind of thing. So, I can only get so low in how much I budget or spend, we buy expensive food. But is is helping to keep an eye on it instead of just going wild.


There is no pleasure worth forgoing just for an extra three years in the geriatric ward. ~John Mortimer


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BONNIE627's Photo BONNIE627 Posts: 7,059
1/3/12 4:50 P

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krogers has that here, but they are higher on most stuff than anywhere else.. I love their store and do go there some but try not to get the majority of stuff I need there... besides I do not get enough at the regular grocery to make much difference in gas.

Bonnie in Cincinnati


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MARGOMCP's Photo MARGOMCP Posts: 8,670
1/2/12 11:28 A

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Our grocery stores have a corresponding gas station, $100 purchase groceries reduces $.10 a gallon at the pump and my delivery groceries counted! We went to that particular store instead of our normal, local different grocery store, I wanted the same cat food as I have delivered, and we used their gas station, got $.60 a gallon off, so gas for $2.57 a gallon.


There is no pleasure worth forgoing just for an extra three years in the geriatric ward. ~John Mortimer


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BONNIE627's Photo BONNIE627 Posts: 7,059
1/2/12 7:55 A

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thought I was doing ok until med changes now I will be going into the donut hole early and will have to see what I can do about that..

also gas prices have affected everything around here.. news today was that it increased 6 more cents on the first...if it keeps going people will not be able to afford getting to work for the lower paying jobs.

otherwise I am hanging in there.. LOL

Bonnie in Cincinnati


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MARGOMCP's Photo MARGOMCP Posts: 8,670
1/1/12 10:27 A

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How's everyone's new year starting out?

My husband says our investments have regained almost what we had when we began retirement (around March 2006? I quit working the summer of 2005). We live on dividends rather than actual investment buying/selling so did not take quite as great a hit as those who lost money with investments; we just kept our investments, number of shares of each thing, and watched the companies that lowered the price they paid for each share in dividends. Most companies we owned have recovered somewhat and have raised their dividends back up so we have a double good thing happening.

Too, my husband adjusted his Part D Medicare and got hundreds in reduction and we sold our RV so our insurance is less, we only have a single car and a boat instead of two cars, an RV, and a boat.


There is no pleasure worth forgoing just for an extra three years in the geriatric ward. ~John Mortimer


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BONNIE627's Photo BONNIE627 Posts: 7,059
10/8/11 12:41 P

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you just plod thought the insurance nightmare...between them and the gas companies they rule the world...I too am glad that you are back..

Linda sure do hope you got everything straightened out ok..it can be a pain sometimes..

Bonnie in Cincinnati


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MARGOMCP's Photo MARGOMCP Posts: 8,670
10/8/11 10:28 A

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Oh, what a mess for you, Linda. I think insurance gets that way the older we get and the less able we are to work the system. I watched my stepmother taking care of her mother's affairs and was in awe at how difficult and tedious it was and how many phone calls were required, etc. Then when my stepmother was getting senile and her daughter, my stepsister, took control of her health care, I realized what a boon it was that she had nurse's training and could figure out the tough medicine and multiple doctor problems (my father was a naval officer so my mother was treated at Bethesda Naval Hospital and had too many doctors/medicines), even though she did not have experience with the military health care system. Don't know what will happen with my DH and me; I think we're fortunate middle son is an insurance broker and daughter-in-law a social worker!

Edited by: MARGOMCP at: 10/8/2011 (10:29)

There is no pleasure worth forgoing just for an extra three years in the geriatric ward. ~John Mortimer


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BELTONWALKER67's Photo BELTONWALKER67 SparkPoints: (120,516)
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10/8/11 9:59 A

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So glad you are back home safely, Margo and sounds like you had an adventureous trip! Home they get that credit card straightened out and AT&T doesn't charge you too much. When the daughter of my boss travels overseas and calls home collect the bills are outrageous.

I think the Medicare/Tricare situation is fixed...but I haven't been to the doctor yet. Have gotten my Advair and Blood pressure medicine refilled and they were a lot less than what I was paying pre-part D. Will have to schedule a doctor appointment soon for my flu shot and glucose testing. Went to CVS for the flu shot and they told me Medicare Part B will only pay if my primary care doctor gives the shot. I learn more each day.

Went to court this past week on a medical bill that should have been paid by BCBS. The judge gave me an extension as I had filed an appeal with the insurance company. Doctor and insurance company thinks it was coded wrong but the hospital where the tests were done does not agree. Will see what happens on or before 11/29.

Seems each day brings a new financial opportunity!

Make this a Healthy Choice Day!
CoLeader: Asthma/Copd Sufferers.
Linda-Missouri (CST)


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MARGOMCP's Photo MARGOMCP Posts: 8,670
10/7/11 2:46 P

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Hi, guys! We just got back last night. Scott was on the phone this morning; his credit card got frozen two or three days ago, before we got home (which was a pain as I had to use mine and sign everything from there on out); it turns out a Chinese travel agency tried to charge $12,000 on it the day after he rented a car and/or we bought gas for the car. Their car rental gives you the car with no gas and after paying $160 for a tank of gas (diesel, and we only needed less than half a tank, who knew?) it is a good thing their country is small and we didn't have to buy more. We had a blast but had to upgrade seats a second time, to "first" class (business class) with seats that went back and became beds, etc. so Scott could even fit. All the service was much much better too and I'm glad I bought the original tickets back two months before we left so those were less expensive so the upgrades made us come out expensive but not as bad as it could have been.

I'm thrilled to come back to my usual food and challenges. The transportation was always a challenge for us; they do a whole lot more walking than we could do and don't mind standing in lines, traffic jams, etc. It was very curious how up to date they seemed on some things and way backwards on others. It was hard using the computer with both of us having ours and the rooms so small and requiring special plugs, etc. so I gave up and just used my phone. . .until AT&T sent me a message saying I was way over reasonable data sending/prices (can't wait for that bill :-) and was in danger of having the phone blocked; it was for a day or two, I couldn't call on it (was still sending emails/pictures though!) and that was right when we needed to call the car rental place to find our way back to return the car! We lucked out and accidentally found the right exit and the right road to turn on and eventually, the place. Then we used their phone to call the private taxi to take us back to London/the airport hotel where we stayed the last night, resting up for the 8 hour flight last night.


There is no pleasure worth forgoing just for an extra three years in the geriatric ward. ~John Mortimer


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BONNIE627's Photo BONNIE627 Posts: 7,059
10/5/11 10:30 P

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well Linda, you will have to update us and let us know the outcome of the insurance...lots of fun things when it comes to the government... for example.. my nebulizer.. when i first got it I was told to change the filter at least once a month or if it turned gray before that.. not to use it if the filter was gray instead of white... well, medicare will only approve a new filter every 3 months now.. when I asked about it they said the new guildelines are that it only needs changed once a year...so now it is almost black before I change the filter... and thats suppose to be good for me... emoticon

Bonnie in Cincinnati


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BELTONWALKER67's Photo BELTONWALKER67 SparkPoints: (120,516)
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9/19/11 5:16 P

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Oh, what a fun afternoon! Been on the phone with former hubby & Tricare for Life & Medicare. Maybe it is finally all sorted out. Seems Medicare discovered that my secondary would be Tricare for Life. When we were divorced back in 2001, Tricare, told us I was no longer eligible as even tho' we were married for 32 years, we were only married 19 years & 6 months of his military service and we had to be married for 20 years. So, I surrendered my military dependent I.D. card and started paying for my own insurance. When I applied for Medicare..and tried to get a secondary insurance they told me I that Tricare Life. So called hubby to see what was going on and he tried but they wouldn't tell him anything..so I called and got 3 different stories from 3 different people. Tomorrow, I have to fax the divorce decree to them to see what my elgibilty status will be. What a mess. I just love government red tape.

Margo, hope you & hubby have a wonderful trip to England. When do you leave and how long will you get to visit?

Bonnie, we will survive!

Have a great Monday evening.

Make this a Healthy Choice Day!
CoLeader: Asthma/Copd Sufferers.
Linda-Missouri (CST)


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MARGOMCP's Photo MARGOMCP Posts: 8,670
9/19/11 4:22 P

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Yes, hi, Linda!

DH and I are doing okay with our retirement but it's not easy. We lucked out and saved a whole bunch with the two of us working, our parents were all well off and left us and our siblings a good amount when they died and DH got "bought out" a couple times by companies he worked for that got sold and he had internal management stock in, etc.

Now we live mostly on dividends and they don't go down the same way stocks do and it doesn't really matter what the stock market is doing as they are a "per share" amount so it's how many shares of stock you have rather than how much it's worth that matters.

My favorite money trick though was selling our old house back in 2005 before the crash and then buying this smaller one in a less exciting area so we "made" $100,000 on that and kept our monthly mortgage okay/about the same.

But I dropped out of grad school and picked up less expensive hobbies (like going to England, how is that less expensive, Margo?) and cut my credit card expenses in half, etc.


There is no pleasure worth forgoing just for an extra three years in the geriatric ward. ~John Mortimer


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BONNIE627's Photo BONNIE627 Posts: 7,059
9/18/11 4:00 P

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I know what you mean Linda.. have had that problem myself...also trying to save up a little for emergencies but that is easier said than done...the way my retirement is going I will be out of money in a few years... hopefully the stock market will go upwards by then...glad to have you join this team..

Bonnie in Cincinnati


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BELTONWALKER67's Photo BELTONWALKER67 SparkPoints: (120,516)
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9/18/11 9:22 A

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Hey Bonnie & Hi Margo! Yes, I'm here. Turned another year older and deeper in debt. So thought I'd come over here and get some tips for saving up for retirement in another year. Really thought about doing it this year and work part time but talked myself into waiting and continue to work until my health skipped out on me. Back in 2007 I had a pretty good savings which is now wiped out and I now do good to make it month to month. Need to at least squeeze out enough for an emergency fun in case the furnace breaks down or the now paid for car goes south. Look forward to chatting with you.

Make this a Healthy Choice Day!
CoLeader: Asthma/Copd Sufferers.
Linda-Missouri (CST)


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BONNIE627's Photo BONNIE627 Posts: 7,059
9/16/11 7:07 P

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go for it... did you notice that Linda from the copd team joined this team...

Bonnie in Cincinnati


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MARGOMCP's Photo MARGOMCP Posts: 8,670
9/16/11 10:40 A

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Since you're so jealous, come do all this getting ready for me; that will cool down your ardor :-)

I'm trying to get as prepared as I can to figure out my way around, have a list of addresses of places that will be "home" so I can know where to tell the cab to go! I downloaded a subway map and they sent one in my packet but the "tube" system is huge and the map in one regular-size piece of paper one can't read even with one's glasses - would take a magnifying glass! I might have to seriously consider finding one of those like they have in dollar stores. I was just reading my International Drivers Document too, same problem only more-so because it's "smudged" looking, the type is so thick.

Well, let me get back to this.


There is no pleasure worth forgoing just for an extra three years in the geriatric ward. ~John Mortimer


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BONNIE627's Photo BONNIE627 Posts: 7,059
9/14/11 4:05 P

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any excuse to get lots of new underwear is good..I am about getting to that point again.. LOL sounds like you are well under way to be ready for this trip...did I mention I am jealous emoticon

Bonnie in Cincinnati


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MARGOMCP's Photo MARGOMCP Posts: 8,670
9/13/11 8:50 P

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I didn't get out today like I originally "planned"; we had the plumber in and then did some miscellaneous shopping; I got most of the small stuff I need for the trip at the drugstore but still need luggage tags, they didn't have any for some reason. I think tomorrow I'll bathe and shave and get to the clothing store; I need another pair of pants; the black ones I have are fine but I want a pants "suit" with a jacket so I can be a bit more dressy now and then and in case it's cooler and I have no long-sleeved tops or blouses at all so need some sweaters or jerseys or something with black and whatever color my "suit" is in (I'm thinking navy). And underwear. Lots and lots of underwear, LOL.


There is no pleasure worth forgoing just for an extra three years in the geriatric ward. ~John Mortimer


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BONNIE627's Photo BONNIE627 Posts: 7,059
9/12/11 1:42 P

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it is getting closer..gosh seems like it just rushed right up here...hope you are feeling better now.. since the rain stopped that should lift your spirits to want to get out and shop some.. have fun..

Bonnie in Cincinnati


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MARGOMCP's Photo MARGOMCP Posts: 8,670
9/12/11 9:41 A

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Week and a half to go, I'm on the home stretch and getting anxious enough about all I have to do to prove it :-)

It has finally stopped raining here. I have weeds up the wazoo out front that I want to do some gardening before my gardener gets here tomorrow or Wednesday, LOL. I want to see when he is going to do the "fall cleanup" and tell him what I want done, etc. and explain we'll be away and all that. My vegetable garden is overrun with tall/hearty grass (I "cleaned" it up mostly back when the tomatoes finished and this is what grew in its place) and my neighbor waits until his grass on the edges by the fence is going to seed and then mows, which means his seed heads go into my lovely mulched beds and they don't stay very lovely. I haven't even seen down the bottom of my hill after all this rain. The pyracantha is huge and causing problems (have to get the old, broken hose out of there but we're talking big, bad thorns).

I am sort of getting figured out what clothes I want to buy/what I have to take and think I'll do my shopping tomorrow. Today I'm still "getting ready" to get ready emoticon


There is no pleasure worth forgoing just for an extra three years in the geriatric ward. ~John Mortimer


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BONNIE627's Photo BONNIE627 Posts: 7,059
9/10/11 4:49 P

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well aren't we just becoming world travelers? emoticon Sounds like a lot of fun.. I may have to hide in your suitcase... you did get a big one didn't you? emoticon sure sounds like you will be busy..

Bonnie in Cincinnati


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MARGOMCP's Photo MARGOMCP Posts: 8,670
9/10/11 1:07 P

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Hey, I tried quilting and yoga, didn't I? I'll be okay. If I can get my knee to behave, might try the fencing lessons; I liked them in college.

When we get home will be a lot going on I think; that weekend is our community yard sale, I want to get my big bookcase unloaded and sold/given away then! So, have to unload the bookcase this week :-) Then there's my birthday, Halloween, we're going to Atlanta for Thanksgiving, youngest son is having a house party for "everyone" and then we'll have Christmas/go to Florida again.


There is no pleasure worth forgoing just for an extra three years in the geriatric ward. ~John Mortimer


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BONNIE627's Photo BONNIE627 Posts: 7,059
9/7/11 12:04 P

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well lady when you get back from your trip you need to cultivate some activities outside of the house...being too cooped up is not good.. I will push you more on this when you get back home.. emoticon

Bonnie in Cincinnati


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MARGOMCP's Photo MARGOMCP Posts: 8,670
9/6/11 11:39 A

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Yes, I'm worried because I don't have other outlets, things I do "out" without Scott so if I don't have Scott. . . I'll be inclined to stay home.

However good news on the home front:

www.sparkpeople.com/resource/health_
ne
ws_detail.asp?health_day=656062


An excuse and way to help make it not only "okay" but a good deal.


There is no pleasure worth forgoing just for an extra three years in the geriatric ward. ~John Mortimer


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BONNIE627's Photo BONNIE627 Posts: 7,059
9/5/11 12:48 P

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I do go to rehab and to church and bible study with another group so I am out quite often.. however, I use to go to plays, concerts, and shows almost every weekend which also entailed eating out and money for tickets, plus the gas... with my breathing issues had to stop some of that because a lot of the concerts were outdoors and evening air just would not let me breathe at all.. yes, I know you can't stay home all the time.. honestly, I have gotten to enjoy my time at home more... LOL

Bonnie in Cincinnati


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MARGOMCP's Photo MARGOMCP Posts: 8,670
9/5/11 12:07 P

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Your post made me think of ways in which "giving up" might harm us too? Staying in, alone, is not necessarily a good thing either. You should be going out to rehab and I should be going out somewhere emoticon


There is no pleasure worth forgoing just for an extra three years in the geriatric ward. ~John Mortimer


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BONNIE627's Photo BONNIE627 Posts: 7,059
9/4/11 2:15 P

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make fewer trips to the mall area where all the stores are.. less gas that way.. have also cut back in spending at the grocery..trying to eat more of what I buy... do not eat out as often.. now maybe once a week where before it was 3 times a week.. just seems like I stay home more..

Bonnie in Cincinnati


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MARGOMCP's Photo MARGOMCP Posts: 8,670
9/4/11 10:39 A

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What have you given up? What have you cut back on? Are you doing better than when things started in 2008, back pretty much to where you were, "ignoring" 2008 or ????

How are you living differently from when the economy started to go south.

I drastically cut back my credit card use, in half, got some miscellaneous bills under control (closed my storage unit, stopped water delivery from Deer Park, etc.) and finally got my husband to downsize from two cars to one and to sell our RV (storage and insurance were a couple hundred a month). We've gotten our investments back pretty much, we were mostly worried about dividends, not stock prices, and have started vacationing again, we cut out our "big" yearly vacations for a couple years. Too, in a year I'll be eligible for Social Security and that will make a big difference in monthly income.


There is no pleasure worth forgoing just for an extra three years in the geriatric ward. ~John Mortimer


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