It is Thursday and that means it is a hiking or exploring day for me as you know ... Summer or Winter. This Free Member site is posted every Monday, Tuesday, Wednesday, and Friday ... but not on Thursdays. (However, the paid sites are posted every day before the market opens ... including Thursdays.)
Below are snapshots of our most recent Farm, Lake, Mountain, and trip photos ... hope you enjoy them.
April 16, 2015- No Thursday message today ... see you tomorrow.
April 9, 2015- I saw this picture last week and had two thoughts. One was this was probably photoshopped. The second was .... in any case, some degree of it was probably true and therefore an unacceptable condition.
April 2, 2015- Tomorrow is Good Friday and the markets are closed. See you on Monday.
March 26th. 2015 - You probably heard that Saudi Arabia and Yemen are at War now. The War with Yemen is being down played as a "Regional War" by the U.S. What might turn out to be important is that the Washington Post said that Pentagon officials admitted that they have lost track of half a billion dollars of military equipment in Yemen.
March 19th. 2015 - No Thursday commentary today ... see you tomorrow morning.
March 12th. 2015 - We broke out typical stride last week and went out to stay with friends in Madison County, NC. As you can see from the picture we were on a farm in a bit of a rustic environment.
March 5th. 2015 - We are starting our 2015 garden activities now. It is hard to plan when we are supposed to get snow today.
February 26th. 2015 - Well, we finally got some snow in North Carolina. Here are two pics from this morning.
February 19th. 2015 - It was -20 degrees (wind chill) this morning, so walking the dog wasn't as pleasant as normal. No new pictures today, so I will see you tomorrow.
February 12th. 2015 - Don't forget that Monday is a market Holiday (Presidents' Day). Enjoy it and do something fun with your family or friends.
February 5th. 2015 - No Thursday commentary today ... guess what I'm doing? Preparing for the yucky 2014 tax process with our accountant tomorrow.
January 29th. 2015 - No Thursday commentary today ... see you tomorrow morning.
January 22nd. 2015 - It was time ... time to do a weekend get-away and refresh, so we went to the Isle of Palms in SC. It was very relaxing and we had a great time. Below are pictures from the visit.
January 15th. 2015 - Cold is the best description for the weather around here. Regarding the market, expect extreme swings with stability wobbly and a negative bias.
January 8th. 2015 - It was pretty cold this morning ... 5 degrees. That was enough to get us thinking about going to Florida for a few days for the warmth.
January 2nd. 2015 - Happy New Year to everyone. (The market is closed.)
December 25th. 2014 - Merry Christmas to everyone. We are closed for the Holiday.
December 18th. 2014 - Here is our dog Sammy getting ready for Christmas. He doesn't like getting dressed up and I think he is saying Bah Humbug.
Merry Christmas to everyone. We are closed for the Holiday ... see you on Monday.
December 11th. 2014 - We just got back from visiting two of the grand-children in Colorado ... it was a great visit. I have to say I'm tired, and that it was difficult because with the time zone difference I had to start analyzing the stock market at 2 AM Colorado time.
December 4th. 2014 - This will be a day of programming and research as the market is seeing higher risk levels.
November 27th. 2014 - Happy Thanksgiving Holiday
to Each and Everyone.
(The market is closed today.)
November 20th. 2014 - A busy day today. I may go to the hospital to see a friend who is having a c..... operation.
November 13th. 2014 - The Fall Foliage seemed better this year in NC. I posted two foliage photos below from our recent walks. FYI ... the Tai Chi/Chi Jong classes are very enjoyable, so we plan to continue them.
November 6th. 2014 - It was like Fall last week and with the snow, like Winter this past week. This should be interesting today ... our first lesson in Chi Jong.
October 30th. 2014 - It's Fall and hiking out in the woods is a fun thing to do. Here are some of the pictures from Saturday's walk.
October 23rd. 2014 - Not much to report on today ... We are really enjoying Black Mountain and find there is plenty to do here ... both locally and on the house.
October 16th. 2014 - So ... we bought a place in Black Mountain NC thinking that there was not much to do since it was built in 2002. Then the water heater needed to be replaced in the first week, and now the Heat Pump and A/C shorted out and needs to be replaced. Yuck ...
October 9th. 2014 - Yesterday was a great Fall day and so we drove up to Mt. Mitchell. Below is a photo of CIndy on top of Mitchell.
October 2nd.. 2014 - Getting a little tired with the move and starting work day at 5 AM each morning. I think I will take a ride on the Blue Ridge Parkway and become a leaf-peeper today.
September 25th. 2014 - We are almost done the moving ... that means that there are still boxes in our garage that needs to be gone through. Thank goodness ... we moved the business first and that is all set.
September 18th. 2014 - Just a few pictures today for a bit of humor from our subscriber pics sent in.
September 11th. 2014 - Yesterday was a big day because we finally got the hot tub set up. Why the big day? ... Because it weighted 440 pounds.
September 4th. 2014 - Moving ... yuck! Boxes, boxes, everywhere. Where anything is, is anyone's guess. Who could ever love moving? Having Labor Day to work was helpful, but not a solution.
August 28th. 2014 - Yay! We moved yesterday, but there are boxes all over the place. Guess what we will be doing Labor Day weekend?
August 21st. 2014 - Well ... we held off moving until we had some updates and painting done in the house. The schedule now is to move in by the end of the month.
August 14th. 2014 - We are in the midst of moving to a new home now. We have downsized to help make things easier and allow for visiting the grandchildren more.
August 7th. 2014 - We have moved the office, and now we will close on a new home next week. Our new location is Black Mountain, NC now. For now, we have most of our things in three storage units which will mean that we will have to move things again after we close.
July 31st. 2014 - We are moving the office from this morning through the weekend. We started last nigh and it was going much slower than anticipated. If things could get more complicated, we are closing on the farm today. Therefore, there will be no update on Friday. Be VERY careful as today will be very dangerous in the market. The farm has been sold and we are awaiting the final word on its closing. And yes ... it is looking like we will be moving to Black Mountain.
July 24th. 2014 - The farm has been sold and we are awaiting the final word on its closing. And yes ... it is looking like we will be moving to Black Mountain.
July 17th. 2014 - We have an appointment in Asheville today, so we will be leaving this morning on that small trip. FYI ... we are actually thinking of moving to Black Mountain.
July 10th. 2014 - I have to give big kudos to Cindy ... the photo below show's her garden at the farm. Some folks have a green thumb, and Cindy has two.
July 3rd. 2014 - Tomorrow is the 4th., so have a great Holiday. We are going to enjoy the weekend, and probably go canoeing.
June 26th. 2014 - My daughter has gone back, and we are still doing work on the farm. It is going to be a "catch up" day for us. See you tomorrow.
s still visiting from Trinidad and will be here until Monday ... so, of course, I am enjoying time with her.
June 19th. 2014 - My daughter is still visiting from Trinidad and will be here until Monday ... so, of course, I am enjoying time with her.
June 12th. 2014 - No comments today ... my daughter is visiting from Trinidad so she is a main focus right now.
May 22nd. 2014 - Well ... here is what we are making where the old kitchen house once stood.
May 15th. 2014 - We got back from our Folly Beach and Kiawah Island trip last night, and everything is back to normal now ... the farm was waiting for us with tall grass, weeds, and over grown vegetables. Below is a photo of Cindy walking under the pier at Folly Beach SC.
May 8th. 2014 - We went away for a few days. This is a picture of the sunrise on Folly Beach in South Carolina. I have my computer and portable internet with me, so it is still work as usual at 5 AM.
May 1st. 2014 - Last weekend we hiked to Catawba river falls. It was our second time there and very enjoyable. Both times we were there, we came across people we knew. Here is a photo just before the falls ...
April 10th. 2014 - Today will be a good day because I will be picking Cindy up from the airport. She has been in Colorado and is finally getting back.
February 27th. 2014 - Today's the day at 10 AM ... the 100 year old kitchen house will be torn down ... a sad day.
February 13th. 2014 - I guess it is our time for snow. Here is a picture of the shop ... not much snow, but plenty of ice.
January 23rd. 2014 - Keep an eye on the yearly DJI wedge pattern.
January 16th. 2014 - Happiness is a state of being, not a physical place.
January 2nd. 2014 - Can you believe it ... 2014? Where did the time go? Today, I'm off to Asheville for appointments and will be back around 5 PM. Just a FYI ... the Fed is looking how to stop the parabolic action in the market because it’s a fire out of control and they know how parabolic rises end. The NYA Index’s 4 day RSI is now up to 93.76 and is screaming overbought, but money keeps pouring in. It’s not like the old days anymore … now, the Fed has created an environment where investors have to take higher and higher risks “just to stay the same or to make money”.
December 26th. 2013 - I hope you had a great Christmas. We are still finishing up the Holiday with the kids and now New Year's day is starting to come into focus. 2014 should be an unusually challenging year for the markets...
November 7th. 2013 - We are in Colorado visiting our 2 year old Grandson. Here is Grandma Cindy with Henry.
October 31st. 2013 - We are leaving today to see one of our grand kids in Colorado. Given the rush this morning, I will defer from any additional comments. Thanks to all of you for your support ... it is much appreciated.
Just found this picture of the old barn and fields.
July 11th, 2013 - We're back, but back with pictures and memories of a great time. Below is a picture of Cindy with our Grandson Henry.
July 4th, 2013 - We are visiting one of our Grand Children in Colorado this week. It is the Fourth of July and here is a picture of our second Grandson ....
June 13, 2013 - Good grief! Who ever heard of such a thing? Dogs going to obedience school, graduating, and getting a diploma! Well, that is what we did did today, and here is our dog Sammy.
May 30, 2013 - Who would have thought? That with this year's cold weather, it was already time to get the fields hayed?
May 23, 2013 - I know I'm probably prejudiced, but this picture of Cindy and Sam our farm dog just tickles my heart. Yes ... Sam is a big ol' dog.
March 21, 2013 - Whew! We are just starting to feel like we are caught up on sleep. During the trip portion to California, I was up at 2:30 AM (doing StockTiming Updates) thanks to the 3 hour difference with North Carolina and a Spring, Daylight Saving Time change.
Of course, we thoroughly enjoyed the grandchildren. Here is a photo of my oldest son's two year old overlooking the San Francisco Bay.
February 28, 2013 - It two hours we will be on a flight out west to see the grandchildren. Before I do, I want to leave you with something to think about. The stock market is all about the sign below which is a picture I shot out of a book at Barnes and Noble. Have you defined how much risk you are willing to take? Should take? Or, how you should participate in the market when risk levels are rising?
February 21, 2013 - The other morning, I decided to take a picture of Cindy's great breakfast. A smoothie with fresh garden kale, spinach, and other good organic delights. I know ... we eat differently than most people, and I believe it helps us stay much healthier, and stronger. We also work out a couple of times per week, and hike a lot. Last week I turned 66, but I have to say that I still feel great ... the only thing is that I have to work a bit harder to stay that way.
February 7, 2013 - Something to think about ... As you probably know, I start work every morning at 5 AM pouring through charts from the day before. For those in between moments, I have set my computer's background to flip from picture to picture of collected pics or sayings that I want to ponder.
This one came up this morning ...
January 24, 2013 - Is this picture the definition of the "good old days"? I saw this picture "and the smile said it all" ... more than I could ever say. I bet it was the same smile I used to have when my Dad took me fishing as a kid.
January 17, 2013 - Sometimes you're really lucky ... Like the day we visited the animal rescue shelter and found Sampson (now called Sammy). Everyone there commented on how "sweet he was", but he was more than that. He's kind, affectionate, and smart as a whip. He learned the boundaries of the electric fence in less than 48 hours, is happy, likes hanging around the farm, and protecting the girls (our chickens). Every farm needs a wonderful companion, and he is it!
January 10, 2013 - I'm doing research all day today. Some of it is crazy stuff like "what are the historical odds of a crash at the current PE Ratios"? (Historically, it turns out to be a 1 in 10 chance now.) But, I don't like historical data because the underlying conditions then and now are always different. Interesting though ... the current PE Ratio is very close to the same level of what it was just prior to the 1987 crash. But, we didn't have a pro-active Fed then, along with a large number of different circumstances. Bottom line will be what happens to Inflowing Liquidity levels.
January 3rd, 2013 - As if you couldn't tell ... photography is one of my passions. Once in a while, I will be driving by a location and see a photo opportunity like this one. Obviously, it is part of an old house ... at least 100 years old. I thought it told an interesting story of how an old house weathered time and the elements. This picture was taking at the end of last Summer.
December 27th, 2012 - Christmas is behind us and we are now preparing for a new year. Our Christmas stocking found a new dog in it ... well, almost but he was too big to fit. His name is Sampson ... a very well tempered dog who likes to going on walks. We got him from the Animal Rescue unit in town and we are glad he is joining our family.
December 20th, 2012 - Well, Cindy is ready to move on and look at another dog today. It wasn't like she didn't know Stretch was at the end of his time ... it was a tough, slow process that lasted six months. Given that some coyotes started showing up this week, a big farm dog may not be a bad idea now.
December 13th, 2012 ... 7:12 PM This my last posting of the day ...
They always obey, they just want to be your friend.
They don’t judge you, talk down to you, or yell at you.
They just want to be who they are … dogs.
Stretch was such a dog …
A dog that loved to hike.
A dog that liked to walk.
A dog that liked to bike.
A dog that liked to be on a boat.
A dog that didn't complain.
A dog that was loyal.
A dog that was always your friend.
A dog that never judged you.
Goodbye Stretch … we’re all going to miss you.
From your human family
December 13th, 2012 ... Last June, I posted this picture of our dog Stretch when he was ill. He's pretty old and the vet thinks he may have prostrate cancer. He's not well now and is holding on by a thread at this moment. Hope he feels better in the next couple of days, but the reality is that he will probably leave us in the next day or two.
December 6th, 2012 ... It is hard to believe that it is already December. Below, I posted two pictures today. ... One is from hiking the Blue Ridge Mountains and yes, the second was Thanksgiving dinner that had to wait for the kids.
November 29th, 2012 ... This is part of my afternoon routine ... I feed the hens scratch and whistle as I approach them. They get all excited and rush over for their share. I think how you treat your chickens matters, and it matters a lot. I say that because we are steadily getting eggs that are in 80%+ production rate per day. Yesterday, we had another 100% day. Many folks are telling us that we should be getting 50% in this cold weather, and 70% on a regular basis, but that is not what we are experiencing.
November 22nd, 2012 ... It is Thanksgiving Day today ... We want to wish you all a very Happy Thanksgiving with safe traveling. We hope this is a family event that brings everyone closer.
November 15th, 2012 ... Well, I was planning on posting pictures showing how well the chickens can dig up the ground and prepare a bed for gardening ... but, we went canoeing instead! It was the last good day to do it while not freezing, so we went to Lake James and had a terrific time.
November 1st, 2012 ... Chickens can be wonderful ... they can dig up the ground as good as a tiller if you give them a chance. We want to prepare another garden area for the Spring, so we build an extension for our chicken coop as seen in the picture. It is very light weight and we move it to where we want them to dig. I'll post pictures next week showing just how good they can dig!
November 1st, 2012 ... Our old barn is about 100 years old, and I'm not sure about this old chicken house/corn crib ... anyway, this will be one of our next projects. Should we rebuild it as a chicken house? Fix it up and use it as a garden shed? Or move and fix it in another location? There is a HUGE dead tree overhanging it that will crush it when the limbs start to fall. Meanwhile, we insulated crawl space openings and insulated the old kitchen house. We put mulch down in two large areas, finished the raised bed gardens, and had the chimney cleaned. Good thing on the chimney as it is now cold and we have the wood stove putting out some pretty nice heat. Oh, by the way ... our chickens are evidently happy. Folks tell us to expect a 70% egg laying rate. Depending on the day, we are seeing an 83% to 100% laying rate, and I must say that they are much tastier than anything from the grocery store.
October 25th, 2012 ... No new pictures today. There will be some next week.
October 18th, 2012 ... Finally ... its done. Chickens are in, laying and we have been getting eggs from day 1.
October 11th, 2012 ... Well, we are trying to get our projects done before Winter. The current project is a "chicken tractor" which is a portable coop that can be moved around. This is the early picture from last week end, but it is almost finish now. Note the $10 snow skis we put under it so it would move easier.
October 4th, 2012 ... We were talking and realized that the farm has been consuming us and that we have not been hiking. So, last weekend, we did a 4 mile hike up to Table Rock. It was a tough hike as even some young kids (in their early 20's) were huffing and puffing and groaning. When it comes to the Technical Analysis of the stock market, it is something that I really love to do. It is why I can easily get up at 5 AM every morning, do a complex analysis, and then post 3 dozen charts on the Standard and Advanced websites with complete commentaries before the market even opens.
September 27th, 2012 ... Whew! Well, we got the raised bed gardens in. Here are the photos ...
September 20th, 2012 ... When we bought this farm, neglect had allowed many trees to have Poison Ivy growing up them and chocking the life out of them. So we all have been on a mission to save our big trees ... including Billy Bob the goat. You can see him on this picture, hard at work while eating the Poison Ivy.
September 13th, 2012 ... Last week we mentioned Mel Bartholomew's "All New Square Food Gardening". We are now setting up our raised beds. We bought a bunch of 12 foot rough sawn boards, cut them, and Cindy is now coating them with boiled Linseed oil. When I was a kid, the older folks used to talk about 100 year fences. My grandfather would stick a post in a bucket of linseed oil overnight to do the trick. We aren't doing that because we are dealing with raised beds, so we are coating them with a roller brush ... it's much easier and faster than using a conventional brush. See the photo below ...
September 6th, 2012 ... We are now getting down to "less work" kind of decisions. Like selling the small tractor attachments because they just don't do enough for the amount of work you have to put in. This small disc harrow can't compete with the output of "square foot gardening". If you are not familiar with square foot gardening, check it out by getting this book: All New Square Foot Gardening by Mel Bartholomew ... it is totally worth the small investment.
August 23rd, 2012 ... Well, we did get another lawn tractor. This time a John Deere, a little less power but greater dependability. Just bought 400 board feet of rough cut lumber for Cindy's new projects of raised bed gardens and maybe a chicken tractor. Good thing I grew up handy at everything and that I like the relaxation that comes from working with my hands compared to all the mind-related work on the stock market. For years, I have started each morning's stock market updating process at 5 AM and I am still very excited every morning because of the unfolding story that comes with this kind of analysis. Have a great day, and I will see you tomorrow.
August 2nd, 2012 ... In just a few hours, we will be on our way to see our Grandson in Denver. It's nice to be older and to be able to say: "What a nice family they are!"
July 26th, 2012 ... Humor is a good thing, and Cindy has plenty of it. Take this photo her with her Dad for instance ... she wanted to mimic the old "ma and pa Kettle photo" so here she is ...
July 19th, 2012 ... What can I say ... Cindy still has her green thumb. This was one day's tomato produce from her garden.
July 12th, 2012 ... Finally! ... we are catching up on the "to do" list at the new farm. This is good as I was starting to get a little tired. Now there might be some time for a little fun ... we might go canoeing tomorrow afternoon or Saturday. Yesterday, a friend posted this saying, and I thought I would share it with you ...
July 5th, 2012 ... No new pictures today. I'm working on the old Spring House now and will post pictures when it is finished. What's a Spring House? It is a small building that used to be built over a spring in the old days, and it was used to keep milk and meat cool.
June 28, 2012 ... Well ... Cindy says she is finally getting to the fun part of owning a farm. Most of all the repairs are done, and today's photos show Cindy walking toward the old barn, and below that is "Billy Bob" ... Cindy's new lawn mower.
June 21, 2012 ... Buying an old farm is always fun ... right? We are now having the plumbing redone, the electrical, floors ... etc. etc. If you like to work a lot, this is the ticket!
June 14, 2012 ... Maybe you have the answer? The first picture below is of the farm we recently bought. If you carefully look at the field area to the right, you can see the faint remains of a design cut into the field. Cindy was astute enough to point it out.
We did find pictures from an older government (Federal Gov.) site that showed the field when it was first cut that way ... that is the second photo below. It was probably cut that way about 15 years ago. Obviously, it looks like it was cut by some individual. Here are the questions: Why would some one take the time and effort to cut the design? Is there a name for the design? It makes me wonder ...
If you read June 14th's free update posting, here is what you saw:
There was no Free Update today. Instead, our dog Stretch got the priority as we rushed him to the Vet.
Stretch has been a good dog, a loyal dog, and a hiking friend. He is still with us but very ill and likely has the big "C" from what the Vet is saying.
So, we brought him back to the farm and hope he can really enjoy the next couple of days. Thanks for your understanding about not having a free update today.
May 30th. 2012 ... Well ... we did close on the farm property, and now the plumbing and electrical repairs and updating begins. This will be another busy week trying to juggle everything.
May 17th. 2012 ... The next 7 days will be very busy. If all goes right for the farm property, we will close next Thursday. So, that will be a big change ... no more Lake ... and the boat just got sold.
May 10th. 2012 ... With all that is going on, we have not been working out our 3 to 5 times per week. Which brings me to recent research just coming out ... here is what it said: If you walk for 30 minutes a day (at least 4 to 5 times per week), then your life span could increase 20%. If you push it to 90 minutes a day, the life span increase only goes up to 24%, so 30 minutes is an optimal amount of time. This amount of walking also has the benefits of a decrease in the probability of having a heart attack and/or not getting diabetes. Obviously, the faster the walking the better, and getting into an actual sweat is beneficial.
May 3rd. 2012 ... The countdown is on for "Cindy's farm". We are now going through the appraisal and inspection stage. Below is a photo of the old farm house, built in 1941.
April 26th, 2012 ... Busy, busy, busy ... that is what it has seemed like. Life changes and Cindy would like to live on a farm now, so the old house is being sold, and we bought a ... small farm? Yes, 17 acres of pasture and woods. Pictures are below of the old house and then the farm.
April 12th, 2012 ... Another growing season coming ...
Cindy planted her garden last week, and of course the temperature fell to 27 degrees last night. She anticipated a late frost, so she planted the right things accordingly. Experience is a good thing!
March 29, 2012 ... We got back from Moab and Denver Tuesday night. It was a terrific trip seeing our new grandchild for the first time, and seeing the Arches National Park for the first time as well. Below are three of my favorite pictures from the trip ... The third one is a very interesting petroglyph in Moab Utah that goes back a few thousand years.
Have a great day, and we will see you on Friday.
March 14, 2012 ... Yesterday's hike was a four mile hike in the Arches National Park. I took about 200 pictures as there was so many incredible photo possibilities like the three below. Next, we will board the California Zephyr train for a ride through the Rocky Mountains to Denver to see our new grandson.
March 14, 2012 ... Did you know ... that before pink slime beef was treated with ammonia and used for humans, it was used as dog food? But, it is okay because the USDA decided it is perfectly safe and healthy to give it to our children for school lunches. McDonald's won't use it anymore for their hamburgers, hmm ... but the schools still do??? What's up with that?
Talking about schools ... 7 million pounds of "Lean Beef Trimmings" (pink slime beef) are used for school lunch programs.
How much money do they save? How about 3 cents per pound or $210,000 per year. That comes out to a savings of $4,200 per state and a whopping big savings of about 27.4 cents per student. And for this, they are giving our grandchildren what used to be dog food? Have we lost our minds as a nation?
March 1, 2012 ... Well, we finally booked a trip out to Colorado and Utah to see two of the kids. We will take the California Zephyr from Denver to near Moab which should be a lot of photo taking fun.
February 23rd, 2012 ... I guess things could change this year. We want to be in a position to travel out West to see the grand children more often ... so we are thinking of ending our love affair with Lake James and selling everything there ... even the pontoon boat. At the same time, working out 5 to 6 days a week puts us in good condition for hiking the local mountains a whole lot more. Doing something that keeps us physically fit while being outdoors is right up our ally.
February 9th, 2012 ... Today, we drive off with our youngest son so he can catch a plane. He's not just catching a plane, he's moving to Utah and with the event ... we will become "empty nesters". How did that happen so fast? Add to that ... we are now grandparents with another one on the way that is due any day now. In spite of it all, we think young, act young, and are physically young. How so? We belong to a fitness center and try to do aerobics with a workout 5 to 6 days a week. We hike, go to the lake, and stay active. It is part of our secret to feeling good, being sharp, and maintaining high levels of energy.
February 2nd, 2012 ... Daffodils are starting to bloom, and this has been a Spring like Winter. At the same time, people in Poland are freezing with 30 below temperatures. It is hard to believe that we will get a normal Summer with things this much out of kilter. We would love to start our garden now, but who would dare do so this early?
January 12th, 2012 ... Cindy suggested that I share other kinds of research with you ... research that I have done for the family. One that comes to mind is a warning to anyone who pays for prescriptions at a pharmacy. Here is the deal ... a month ago, I asked our pharmacy how much each of our prescriptions would cost if I did not have any insurance. One particular item was quoted at $10.75. So I recently refilled it and the co-pay was $10 even. Gosh, I thought ... something must be terribly wrong here ... if I paid $10 then that meant the insurance company was only paying $0.75. In that case, I would be getting very little benefit from the insurance.
Could this be true? I asked the pharmacist and he said that insurance companies win at the game by simply moving a prescription to a higher "tier level" where the prescription is not covered or is only covered by a small amount.
Here is what this means to you or any relative who is on medicare and paying for Part D coverage through a supplemental insurance provider: It means the person could be paying $30 to $50+ more per month for the insurance than they actually can get out of it.
What to do: Get the out of pocket costs of each prescription that would have to be paid if there was no insurance. Then, compare that to what the insurance company would charge you per month for policy coverage. One person I know came up with a $10 to $12 per month cost projection if he had to pay for the prescriptions himself ... while the insurance company was charging him $60 per month for Part D coverage. Bottom line, he could save about $50 per month without the insurance. The only caveat is if he got ended up with some dreaded disease during the year, then he could end up paying a lot for some expensive prescription. So, the question is: Would it be worth it to him to pay the extra $600 per year "just in case" he got very sick and needed some very expensive prescription or not?
January 5th, 2012 ... It's January and some of you have been busy making up New Years resolutions. So, this is probably "as good a time as any" to bring this up. It is about one of the most un-liked words in the American vocabulary.
What is it? Exercise ... not just exercise but what is REQUIRED for your body to stop that steady trending into an older body. I made this recommendation before and I am going to make it again. Go out and spend the $5 to $10 for "Younger Next Year". For now ... you don't have to do any more exercise than pick up the book and read it. After reading it, if you decide against an exercise program, you will at least have made a conscious and informed decision while realizing what the consequences will be over the longer term for not exercising. I like the book, I'm on my third read, and I have it in hardcover as well as on my Kindle Fire.
December 22, 2011 ... Time for a little humor today. This was sent to me by a friend ...
December 15, 2011 ... She's got the magic touch. I'm talking about Cindy and her Winter Garden. Take a look at this brussels sprout plant picture I just took ... fresh, organic, and doing well in December. Actually, the kale and collards are still hanging in and providing fresh greens on the table as well. It is not like we haven't had cold weather, as we have seen many nights get down to 25 to 28 degrees.
December 8, 2011 ... Making life easier ... Today, I wanted to share something with you. Even if I travel at StockTiming.com, I need constant daily access to the internet, a computer, and access to our servers in Texas and New York. The solution has fortunately been quite easy. First, we have a Verizon USB760 Wireless card as seen on the left below. Second, I use a CradlePoint wireless router with it. With the two, I can access the internet anywhere and anytime while traveling with my laptop. Continued below ...
December 1, 2011 ... Just went through our pictures to Denver again when we visited our son Carson. And ... I found a picture of Cindy staying young as she always does.
October 27th, 2011 ... The line was about an hour long and you would never guess what these people were waiting for. On Saturday, we had a brief stop in Shelby (North Carolina) where they were having their annual "Livermush Festival". Andrew Zimmern (from the Travel Channel) was there and on his quest to find his next "unusual food" item. I don't think he liked it, as he said little about it, and couldn't even spell it like one of the locals.
October 20th, 2011 ... We had a terrific hike last week to the top of Shortoff Mountain. Unfortunately, I had to take this picture of Cindy on my cell phone ... not very good resolution, but still a wonderful view.
By the way, our trip to see number 2 son and expectant Mom was terrific and a lot of fun. We even had a chance to drive up into the mountains where we took these pictures ...
October 6th, 2011 ... We are off to Colorado today to visit our second oldest son ... and guess what? Soon, we will be Grandparents for the second time. Our Congratulations to Carson and Kristen!
September 22nd, 2011 ... We visited my grandson in San Francisco last week, and here we are at his 1st. Birthday.
A trip to San Francisco would not be complete unless we visited the Muir Forest of giant redwoods. A breathtaking walk that could bring anyone back to reality.
The Palace of Fine Arts was also spectacular to see. We like to walk, so overall, we walked about 15 miles during the five days we were there. Walking is a great way to see San Francisco!
August 17th, 2011 FYI ... This has been a different year for us. The youngest moved back in, I finally became a Grandfather, and Cindy's gardening has been hugely successful this year. I guess it has meant that we have seen a little less Lake time this Summer. A month ago, I posted a picture of Cindy's 9 foot, 2 inch tomato plant (see below). Now we are starting to pick the tomatoes as seen in these photos, and they are exceptionally large and delicious. My favorite summertime lunch? ... a tomato sandwich of course.