Do your kids own MP3 players?  There are many different kinds but the ones I hear most about are the ones from Apple.  I bought my Granddaughter a small one, then another one and now she has an Itouch.  That sucker cost me a lot.  But the costs don’t stop there.  Then you have to buy them Itunes cards so that they can buy music, and buy it and buy it.  Why can’t they get it off the Internet? They can, if you want to spend a lot of bucks by giving them the freedom to buy music whenever they want.

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Do you have Medicare?  Do you understand it?  While working in a hospital doing regular insurance billing I was asked to switch over to handling Medicare.  I didn’t care to.  But even then I had to deal with Medicare and I have to admit that I never did understand it.  Now I am at the beginning of getting my Medicare, not because I am old enough, but because I qualify for it because of a disability.  My spouse is about to go on disability through his job but will also apply for regular disability, and although I could stay on his health insurance, don’t see much sense in paying for Medicare and health insurance through his work.  The problem is that I have to look for a prescription plan through Medicare and then the fact that even then my medicines will not all be covered.

Medicare has what they like to call a ‘coverage gap’, where they won’t pay for medicines, although the beneficiary (Medicare recipient) pays for the premiums.  Anyway, once you AND your prescription insurance plan have reached the total payments of a bit over $2,000.00; they won’t pay again until the total cost of medications reach just over $4,500.   Hm, does this sound good?  Makes me wonder what all the people on Medicare are doing to be able to afford that gap.  Do they just give up taking their medicine for the rest of the year?  It’s true that you can get ‘extra help’ but that isn’t for everyone and those who are eligible have a really low income.  The extra help is just for the prescription plan premiums, not help in being able to afford medicine during the coverage gap.

I recall my Mother telling me that one of her prescriptions, the top antibiotic, cost $500 and she telling my sister not to buy it.  She was in her coverage gap period and she was not about to pay that much for one prescription.  I’ve got to find out how much my medicines cost for one year and see how long I’ll have to go off of my medicine.  Although, being bipolar doesn’t mean not taking medications will kill me, it might drive my family insane instead.

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Well now that so many businesses are closing, or have closed; here is a suggestion for a new career.  Yes it requires education, but the benefits far outweigh the small cost involved.  You could be a Medical Assistant by attending medical assistant training school and did I mention, you can do almost all of it online?  This diploma program has a clinical portion, which means you must work at a specific place under supervision.  Of course, you wouldn’t want it any other way.  Go to Allied Health Institute dot edu for more information.

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Halloween Invitations

It is not too soon to start considering your  Halloween party invitations and you can find some really original ones online at The Party Starts Here dot com.  This is an example of some of what they have; I thought this one was really cute.  You definitely can’t find anything special in the way of invitations locally.  I never have anyway.  The cost for the one shown is $17 for a set of 10.  Minimum order is two sets.  Take a look.

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I bought a used Apple Iphone for $99 from AT&T and it worked just fine.  But I was not pleased with Apple because they were too cheap to print out a manual for a phone that cost a lot, especially last year when they were $400.  Even cheap phones give you a manual.  Then I dropped the phone and even though it was in a case, the display quit working.  I had to drag out my old Razor and charge it up so I’d have a way to call someone. The cordless house phones always seem to be dead.  So today I bought a corded phone that also came with a cordless handset.  Now I can actually answer my phone.

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When I was doing research on which laptop to buy for myself, I did not pay much attention to the Toshiba brand.  Mostly this was because they all cost a lot more than what I was looking to pay for one, although I figured that all of the Japanese used this type, so it definitely must be something good.  A particular model Toshiba Satellite P305-S8904 looks like a real good computer to me.  It has an Intel Core 2 Duo Processor T6400 / Memory:4GB / HD:320GB / Proc. Speed 2.0GHz / Display:17.0 TruBrite TFT, Resolution:1440×900/ Drive:DVDSuperMulti/ Wireless/ 802.11a/g/n I do not have a clue what that a/g/n stands for but the rest of it is so impressive that I will have to consider this brand in the future.  Go and take a good look at the Toshiba Satellite.  It will blow your mind.

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