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Showing posts from May, 2017

Next Step in Medicare Sign-up - Part D

The government does make it RELATIVELY painless to sign up (well, other than that paying for it thing). You can go to the site by Googling:

Medicare part d signup

Or, just go to this site to find plan comparisons.

Once there, your access to plans is partly determined by your location, so the first step is to enter your zip code.

You will be asked a few questions (I Don't Know is an acceptable answer).

This takes you to a page where you can enter your on-going medications (if this isn't something you need, you can skip it, but if you take regular meds, it will make a difference to the cost of the plans).

You will want to enter your standard medications on the list (easy-peasy), then select one of the 3 options (the first one is for buying Part D separately from your Part B, which your person signing you up should have told you if you needed this). Check the first box and compare plans.

NOTE: pay attention not just to the monthly cost, but to the overall yearly cost - that last o…

Organizing The Paper Clutter

This is one of the BIG things I have to do over the next 3 months or so. We have a ridiculous amount of loose paper around our house.

This paper onslaught comes from several sources:

Work papersPaycheck stubs, communiques from our benefits department, receiptsRelated to professional activitiesPD (professional development)Continuing coursework and CEUsMailing list items, catalogs, random CD/DVDsPTRA - we provide workshops for teachers - this will continue even after retirementStudent work - this will be less of a problem, as I will no longer be generating these. But, Den still has responsibilities to maintain records and grade papersFinancialBillsFinancial investmentsBanking statementsRefunds in process, warrantiesTaxesHobby/ChurchRadio and electronics (me) - I recently built a workbench in the attic, and will be moving most, if not all, of my gear to that spaceMagazines, mailing offersChurch bulletins, Catechist paperwork and materials, reference materialsMedicalThis is getting to be m…

Untangling Medicare

I've been hip-deep in the morass that is our Government-Issued/Overseen Health Care for Seniors for the last few months. I did NOT put enough time into it to be sure that I am making good choices, but I plan to monitor the situation, and re-assess as I approach the Open Enrollment period, so I can decide whether to keep that assortment of plans, or change them.

I'm in uncharted waters here. I've only had access to work-connected health insurance, and my choices were limited to a few plans. At most companies, the Benefits department does a reasonably good job of explaining the pros and cons of different plans, making decision much easier.

Two parts of Medicaid were easy - Parts A and B. I signed up for A last year when I turned 65, but didn't add B until I retired. No sweat, there was no real choice to make for these. Same for everyone.

I spent some time wrestling with which of the alphabeted plans to select, and decided on Plan G - it has coverage for illnesses/acciden…

Almost Done!

I've moved out the big stuff (metal carts with equipment, for example, and my scanner/printer). I was able - with the assistance of my husband, who really didn't complain too much - to get my room clear of everything except what I can manage in my car on Tuesday.

I need to go in that day, as I still have a few loose ends - inventory, checkout list, Medicare paperwork - to get tidied up.

But, that will be IT!

I was hot and sweaty after all that work - went straight home, and took a quick shower.

I know there are probably more important things to focus on - world peace, adequate food and medicine for kids, no more Kitty videos on Facebook - but, my deepest desire is that hot and cold running water should be a goal for everyone on Earth.

It is SUCH a pleasure to be cool and clean after hard work. So many people in the world do not have access to clean water, let alone running water. For them, I do hope that governments can stop putting less important things ahead of that simple, …

One Week to Go

By this time on May 30, I will be preparing for my last day teaching.

Oh, it's possible that I might work as an adjunct, a substitute (particularly in a long-term job - 1-3 months, typically), or a tutor.

But, full-time employment may be permanently over.

Or, not.

Sometimes, plans change. Usually, there is a financial incentive. Some crisis hits, and the budget takes a hit. One or the other (or both) of the retirees needs to return to paid work, for a time.

Sometimes, there are other factors - boredom sometimes sets in, and paid employment is used to fill empty hours. I don't fault those who do so - I can imagine a time where, in an effort to re-connect after a spouse's death, one of us might choose a part-time job. It certainly beats withering away from loneliness.

I can't guarantee the future. But, as of now, this is the plan.

I'll post more over the next few months, as I adjust to the change in my routines - how I structure my days, ways I change my spending, th…

The Countdown Continues

6 more days with kids (the last two days, I have no students, which should make it easier to organize, clean, and complete all of the end of the year stuff). Right now, I'm exhausted.

The up side is the faculty meeting was canceled, so I'm able to leave in about 10 minutes - which, I plan to. I usually stay late, but not tonight.

Wednesday, 5/17/17 - I did stay later, to finish some activities, but, still left earlier than usual.

I have almost all of my students in 1st Block either taking the Final, or exempting. Only 1 non-senior, who will be taking the Final next week. So, I'll plan on off-loading him in another class on Thursday, to take advantage of that time to get some organizing and inventory done.

Later - 1:20 - I'm waiting for my students to arrive. Really, the Physics students have generally been delightful this year, although a little passive and low-key. They seldom get over-the-top excited about anything.

To be honest, almost all of my students are sweetie…

Off the Fence

It's official. I submitted my retirement letter today. Already heard back from Benefits.

I do feel relieved. Actually making a decision is less stressful than avoiding making one.

I'm going to spend the rest of this week catching up on grades, making notes about what to take and what to pitch, and planning for the transition.

Trudge, Trudge...

...and, I'm nearly there!

I just completed the paperwork (oh, I do hope I did it right!) for transferring my NC Teacher's pension to SC. I'm crossing my fingers, but - in the back of my mind - won't be totally surprised if I have to re-do all, or part, of it.

D-Day is Thursday - that's Decision Day - I have to either sign my contract, or I'm automatically NOT renewed for the next year.

I'm about 80% sure that I won't sign. I don't need to babysit DJ (pity, I was kind of looking forward to it), but my dear SIL is apparently facing another bout with cancer, and my daughter may need me, at least occasionally, in the fall.

I have PLANS!

Writing is # 1 - I have been chomping at the bit to get started. I've upped my blogging regularity, and have been keeping a journal, as well. I figure that it will take me a week or two to get fully in the swing of daily production, but - watch out, World!Cleaning and Organizing - both a good cleaning of the entire ho…

The Significance of May 7th

Today would have been my father's 95th birthday. Instead, he died just before his 76th.

Dad was born in New Martinsville, WV, May 7, 1922. His father, Emzley Martin Ruble (spelling of that first name varies considerably in official documents), died in 1929, when my Dad was 7. Within a few short years, my grandmother Delphia Delia had lost the money the insurance had provided, due to bad investments, and was forced to place my Dad with relatives, along with all but the youngest two children. Later, when the eldest two were grown and married, he lived with them.

His stories about his time on his grandfather Edgell's farm were few - he merely said that he did NOT like the farmer's life. One time, he mentioned that his grandfather was quite stern, even harsh, in his treatment of him and his grandmother. But, he mentioned it only that once. His other grandfather, Taylor Ruble, was a very kindly man, and he had good memories of him.

Grandma Ruble was a very quiet and sweet woman…

One Reason to Write

This post sparked mine today.

I've been writing (slowly, one anecdote at a time) my memories of my youth, and the stories that I remember being passed down from parents, grandparents, and other long-lived people.

I was fortunate - in my mother's family, old age was the default - my grandparents were born in the 19th century, and passed on stories of their youth. My father's family was equally long-lived, but not as talkative (WV vs. Irish-descent). Still, I have an aunt by marriage whose passion is genealogy, and who had compiled a bookshelf of clippings, copies of newspaper stories, and charts of the family, back to pre-Colonial times.

If you aren't on Ancestry.com (and, I don't blame you - the price has risen shockingly!), you might want to use a word processing program or app - Google Docs is easy to use, and can be shared with others easily - to write down your memories - personal, or what has been told to you.

If you'd rather, set up a videocam, and record…

Caring for Senior Hair

It's tough.

Senior hair, consisting of mostly grey hairs, is usually quite fragile. Unless you take great care to condition, treat it, and handle it gently, you may have straw-like hair that breaks easily, and is hard to style.

So, totally unsolicited or compensated, here are my Rules for Caring for Senior Hair.

At a maximum, only ONE process - coloring, straightening/curling - you have to make a choice, or your hair's health will suffer. Grey hair is more fragile than hair with more pigment. Two or more processes will stress it more than it can take.If you are more than 50% grey, stop coloring your hair. It's less aging to go natural than to have the hair not match the face's age. We need to re-claim our natural hair's beauty.Here are some tips for the transition. For more advice, and some photos to inspire you, go here. FWIW, Helen Mirren is my hero - I have hair very like hers - fine and moderately wavy, but relatively thin. I usually take a picture of her into t…