Ready or not, the new year is coming. To give myself time to recharge, I will be taking the week off between Christmas and Near Year's. Look for a fresh post on January 2nd.
A little over a week ago Betty and I loaded up the RV and our dog, Bailey, and headed to the southern Arizona area around Patagonia. About 3 hours from our home, it is the perfect spot for a 4 day getaway. Patagonia Lake State Park is about 10 minutes south of the small (920 residents) town, and 20 minutes north of the border with Mexico. Yes, there is already a wall there. It runs right through the middle of Nogales, dividing the town into American and Mexican communities. Border patrol check points are common on the major roads in and out of the area. Seeing a white and green Border Patrol truck perched on a ridge line is par for the course. The American side is lined with massive warehouses, trucks coming and going at all hours with produce and products bound for one side of the border or the other. I imagine a tightening of the border or a change in NAFTA would hit this part of the state pretty hard. But, all that politics aside, we came to relax, give Bailey the ch...
When I retire do I need insurance is a question that I am asked with some regularity. Well, that should be simple. You have retired. Your need for anything other than Medicare, auto, home or other health insurance is over, right? Not so fast. There are at least five different insurance products that may be important to your retirement financial planning. Let's take a look at each one: Medicare Supplemental Insurance Medicare is a tremendous health insurance program for those 65 and older. It is a blessing after years of dealing with the complicated mess that is the American health insurance system. Even so, you must be aware that Medicare does not cover some important expenses. The Original version usually covers only 80% of your expenses. While that seems quite generous, an expensive hospital stay or operation could means you are responsible for thousands, or even tens of thousands of dollars in costs. Medicare does not pay for most drugs. I...
No, it is not the massive increase in ACA premiums for those who must buy on the individual market. Nor is it the similar increase in deductibles and copays for the health insurance that the 80% of us who get coverage through our jobs must face. No, it is not the consolidation of the industry, where a handful of companies control our options. Nor, is it the immoral increases in life-saving drug costs. No, it is not the inability of our political "leaders" to arrive at a solution that works for those in need. Heavens, they refuse to even talk with each other, preferring threats and slurs instead. Nor is it the slow acceptance by most of us that our health is primarily dependent on choices we make in diet, exercise, and lifestyle. The Number One problem with our health care future is.....uncertainty. Retirement is a period in our lives when we welcome many changes, new opportunities, new directions, a new sense of the possible. We take back control of the clock...
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