The Old Folks Home

[perchie.girl]

Hey Deb! Hope your BP is still in check? Are you still a bit lopsided?

I have seven eighths of a smile now. Still dribble cup if i am not careful. BP is still high but way lower than it was.

The BP meds still have me wobbly. Got my insurance straigtened out. I am going in to the clinic to get assigned a doc on Monday. They were formerly the free clinics here in San Diego and are still a non profit. The reason I chose them was they are and have been fedrally funded since the forties. And have a huge list of awards.

I used them when I lived up on the mountain and they always worked on a sliding scale. So when I move back home I wont have to change health clinic provider just docs.

I am going through Covered California which is its own version of Obamas Affordable health care act. California has always had health care on an emergency basis for people in need. The Medi-Cal system was designed for Women and childeren who are on Welfare. When he affordable healht care act came down it was a matter of expanding that Medi-Cal system to cover those of us who dont fit in any category with the exception of income.

I fit that income category. And will fit that income till I start collecting social security. In which case I will be going with MediCare which is accepted by this clinic as well. Retirement here for me because I am a baby boomer can be as early as 62. But the longer I can wait the more income I will receive about 1300 ish a month if I retire at 62 if I can wait till I am Seventy it will be 2500 ish a month.

So I will be 61 in June... I need to talk to a financial person to find out my best rout. there are some advantages to taking it early.

deb

 

[perchie.girl]

Dh is getting me an Rcom incubator next payday as an anniversary present. Last night I was reading through an online PDF version of the owners manual. Clearly, it was translated from another language, and the translation isn't too great, but didn't seem so bad that I couldn't understand it. It walks you through the entire process of using the incubator to the completed hatch. There's even a drawing type picture of it with chicks in it, and they caution you to move the chicks into a brooder when they hatch.

I was envisioning myself doing all the steps, putting my eggs in, and having a successful hatch. Now moving on to the section about taking care of the incubator after the hatch....


Huh? So, they sell an incubator for hatching eggs, BUT if you USE it to hatch eggs, it could break the incubator, and it voids the warranty? It's especially not to be used for the 3 days before hatching, what we call lockdown. I re-read the instructions. Yes, it is even programed to go the full 21 day cycle, including shutting off the egg turner, and increasing the humidity for the final 3 days of lockdown. There are even instructions for extending the lockdown period for late hatching eggs. There is even a picture of a successful hatch in this unit. I understand that unlike the styro-bators, you can not keep the chicks in this unit to dry them, or keep them in there for 3 days after they hatch to let them finish absorbing their yolks, which is what I think they are trying to say. Gosh I hope that's what they mean. I'd hate to spend all that money on a wonderful incubator that is only to look at, show to my friends, but never hatch an egg in it.

I have been drooling over those for some time now. I know an Austrailian fellow that swears by his He raises guinea fowl. They take all sorts of egg sizes..... His pictures showed a well used incubator.

deb

 

[ronott1]

I have seven eighths of a smile now. Still dribble cup if i am not careful. BP is still high but way lower than it was.

The BP meds still have me wobbly. Got my insurance straigtened out. I am going in to the clinic to get assigned a doc on Monday. They were formerly the free clinics here in San Diego and are still a non profit. The reason I chose them was they are and have been fedrally funded since the forties. And have a huge list of awards.

I used them when I lived up on the mountain and they always worked on a sliding scale. So when I move back home I wont have to change health clinic provider just docs.

I am going through Covered California which is its own version of Obamas Affordable health care act. California has always had health care on an emergency basis for people in need. The Medi-Cal system was designed for Women and childeren who are on Welfare. When he affordable healht care act came down it was a matter of expanding that Medi-Cal system to cover those of us who dont fit in any category with the exception of income.

I fit that income category. And will fit that income till I start collecting social security. In which case I will be going with MediCare which is accepted by this clinic as well. Retirement here for me because I am a baby boomer can be as early as 62. But the longer I can wait the more income I will receive about 1300 ish a month if I retire at 62 if I can wait till I am Seventy it will be 2500 ish a month.

So I will be 61 in June... I need to talk to a financial person to find out my best rout. there are some advantages to taking it early.

deb

Look into it. I read an article that said you needed to go onto medicare at 65 even if you do not start social security--some kind of penalty if you do not.

 

[perchie.girl]

Quote:
Yep even though I can take Social Security at 62 Medicare is 65.... no matter what. Medicare doesnt cover everything so you have to have something to supplement that. I am investigating if MediCal can fill that bill.

deb

 

[getaclue]

The main reason I want one is the humidity control. I can keep the temps stable just fine, but the humidity here tends to run very high. Notice that later on in the week, the humidity will be very high for at least 10 days straight.


The humidity sensors are reported to be excellent in this unit, so I am in hopes that by putting the unit into the closed bedroom with a few tubs of damp rid, it will help keep the humidity more stable.

 

[Latestarter]

Hey Deb... Glad to hear your med issues are coming under control. The retirement math isn't that difficult and you can sign up to make an account with social security then access all your SSI info online. I did some figuring on my mpart to see what it would look like.

"Social Security benefits are designed to be actuarially equivalent for someone with average mortality. Theoretically, it should not make a difference when an individual starts collecting benefits." & "The average mortality for a male... who reach age 62 today is 83.2..." So, according to the SS Administration, it should be break even at approximately 83.2 years of age. Everything below is under the assumption by SSA that I will make ~30K/year going forward till I start collecting retirement. <--- ut-oh... what if I don't?

My benefit at 62 1/2 is/should be $1281 (wonder what it could have been had I not made the military and lower annual income my career...). If I wait till 66.5 to file (full benefit), it would be $1756, a difference of $475. So if you take the $1281 times 54 months it comes out to $69,174 of benefits received during the waiting time between 62 and 66.5. Anyway so divide the ~69K by $475 payment difference comes up with 145.63 months to break even or ~12.1 years. So my break even would be 78.6 years old. Doesn't match up with the SSA theory I guess. I think the SSA is scamming me out of ~4.1 years of actuarial retirement income!

I think they should raise the pay rate at 62 yrs vice lowering the pay rate at 66.5 yrs to make it "theoretically" closer!

(actually, see comment in above para that's the same color) So for every month I live beyond that date I'd essentially be collecting an extra $475/month $5,700/yr.

At age 70 would be $2,248/mo, a difference of $976/mo from age 62 for $122,976 ($1,281x8yrs/$976=) or 127.2 months to break even or age 80.6 years of age. A difference of $492/mo from age 66.5 for $73,752 ($1,756x42mos/$492=) or 149.9 months to break even or age 82.5

I already have military health benefits through VA. They have been talking fior years about tying that in with medicare so after 65 I can still use VA and they will get reimbursed from medicare for that portion. I believe that it's mandatory to file for medicare 6 months before you reach 65.

 

[perchie.girl]

The main reason I want one is the humidity control. I can keep the temps stable just fine, but the humidity here tends to run very high. Notice that later on in the week, the humidity will be very high for at least 10 days straight.


The humidity sensors are reported to be excellent in this unit, so I am in hopes that by putting the unit into the closed bedroom with a few tubs of damp rid, it will help keep the humidity more stable.

I have the opposite. Very low humidity so i want to be able to maintain the proper humidity. I was adding water about three times a week....



At my house follow the red line and below for our humidity

deb

 

[perchie.girl]

Hey Deb... Glad to hear your med issues are coming under control. The retirement math isn't that difficult and you can sign up to make an account with social security then access all your SSI info online. I did some figuring on my mpart to see what it would look like.

"Social Security benefits are designed to be actuarially equivalent for someone with average mortality. Theoretically, it should not make a difference when an individual starts collecting benefits." & "The average mortality for a male... who reach age 62 today is 83.2..." So, according to the SS Administration, it should be break even at approximately 83.2 years of age. Everything below is under the assumption by SSA that I will make ~30K/year going forward till I start collecting retirement. <--- ut-oh... what if I don't?

My benefit at 62 1/2 is/should be $1281 (wonder what it could have been had I not made the military and lower annual income my career...). If I wait till 66.5 to file (full benefit), it would be $1756, a difference of $475. So if you take the $1281 times 54 months it comes out to $69,174 of benefits received during the waiting time between 62 and 66.5. Anyway so divide the ~69K by $475 payment difference comes up with 145.63 months to break even or ~12.1 years. So my break even would be 78.6 years old. Doesn't match up with the SSA theory I guess. I think the SSA is scamming me out of ~4.1 years of actuarial retirement income!

I think they should raise the pay rate at 62 yrs vice lowering the pay rate at 66.5 yrs to make it "theoretically" closer!

(actually, see comment in above para that's the same color) So for every month I live beyond that date I'd essentially be collecting an extra $475/month $5,700/yr.

At age 70 would be $2,248/mo, a difference of $976/mo from age 62 for $122,976 ($1,281x8yrs/$976=) or 127.2 months to break even or age 80.6 years of age. A difference of $492/mo from age 66.5 for $73,752 ($1,756x42mos/$492=) or 149.9 months to break even or age 82.5

I already have military health benefits through VA. They have been talking fior years about tying that in with medicare so after 65 I can still use VA and they will get reimbursed from medicare for that portion. I believe that it's mandatory to file for medicare 6 months before you reach 65.

Have the account and did some of the math above. With my health issues I am assuming I wont live as long as Grandma... I am not concerned so much about health care. I will be covered some how. Then there is the fact that you can earn as much as 15,000 income without impacting your benefits. Once grandma doesnt need me any more I will be free to take a job of some sort. Ideally something I can do from home over the interenet.

I am not holding my breath that any rates will change except that the whole thing will go lower. One thing I do hope is once I start taking it the rate will fix at that point.

deb

 

[superchemicalgirl]

I'm not planning for retirement, but I did finish my "eye spy" baby quilt today.







It has all the shapes and colors, plus a bunch of stuff to look for. Some can be matched exactly, some can be matched by type (ie different butterfly fabric).

 

[Bunnylady]

What a neat idea!

Looks great!