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Viewing the 'Medical Issues and Spending' Category

Identity Theft Again

December 16th, 2018 at 07:55 pm

The last several days have been pretty awful and not just because of my cold, although that was bad, too. My ears blocked up on the 12th and only cleared this morning. If I thought I was dizzy and the world was spinning before, every time I tried to pop my ears it also felt like I was on a sail boat in rough water. I have had spinning before, but never up and down dizziness. I had to just close my eyes and sit still for several minutes and wait for it to stop. It is nice to be able to hear properly again. I'm still not over this thing, but it is down to a runny nose now and tiredness now, which is a huge improvement.

The bad part, financially is two-fold. One, someone used DH's Best Buy account to order a laptop. They swamped his email with Russian subscriptions to try to hide the message from Best Buy, but DH has it set up so that certain emails always go to the top. It was ordered by some guy named Todd Peterson in Oregon. DH was able to cancel it and changed the password on his Best Buy account. They had charged it to a credit card number that looked familiar, but wasn't one of our current credit card numbers. I think it might have been one of our numbers before we were issued new cards with new numbers due to identity theft six months ago. If so, I'm not sure how he managed to even order it. Anyway, it got taken care of it, but it was worrying.

Then we found out DH's Paypal account had been hacked. Someone changed the main email on it to a different one, but left his as a secondary. They also changed the language to Spanish. They had also withdrawn $1000 from our checking account, which I normally would have caught much sooner, but I've been sick and doing the bare minimum with finances. Fortunately the money was still sitting there in his account and once he was able to get into it and change it back into English he deleted that foreign e-mail and changed his password, set it so his phone had to be texted for anything on the account could be changed again, and deleted all cards or checking accounts from Paypal.

I went on to Paypal for myself and everything looked fine for me. As with all instances of identity theft so far, they have had to do with DH's info. I changed my password just to be on the safe side and set it up with my phone to be texted if anyone tried to change anything and then DH transferred the $1000 to me and I transferred it back to our checking account. Hopefully it will be there on Monday. Fortunately we had enough money in the account to cover everything we had paid out. I will be making it a priority to be checking our checking accounts every few days now, even when I feel like death.

So while it was a major hassle, at least no money was permanently stolen from us. The third thing that happened is the new computer DH bought is not working after a week. He bought it directly from HP and it quit functioning a week in. He decided to do a reset to factory settings and it erased the drive. So he's been trying to get HP support, but they have very limited hours and no one is there on weekends. Seems like a poor way to run a business in this day and age. He is going to send it back and either get his money back or get a new one.

I am hoping they will just give him a new one. I was worried about him buying it from them direct instead of through Best Buy, where we at least have Geek Squad protection. Of course, that was before the Best Buy hack. He did it because he could get a better computer that way for the same money. Not better if it doesn't work.

I hope this is the last we see of this nonsense, but I realize we may very well be dealing with this for some time. Stupid companies that can't protect our information. That $1000 could have caused a world of hurt if we'd lost it.

Found Out About the Bonus

December 11th, 2018 at 04:34 pm

So DH's end of year bonus will be $1600 in cash, but that is before taxes, so not sure what it will be afterwards. Bonuses get taxed weirdly, I believe at 25%, so we'll only see $1200 of that, though some of it will come back in our tax refund. He will also get 1 percent of all wages earned put into his 401K with 100% matching, since we haven't hit 5% of income on our own yet. That will only be based on his earned wages since becoming a permanent employee, and he became one in July, I think.

His last paycheck says he has earned $37,192.50 since becoming a permanent employee, and it is probably going to be calculated after Friday's paycheck. So we should end up with something over $800 extra into the 401K. Nice little chunk of change. It's been a few years since DH has worked with a company that did bonuses. If it is calculated after the last paycheck of the month than it will be closer to $1000.

My cold seems to have moved up into my head now. After driving yesterday I decided I don't want to drive today in the storm we are having. I thought I was ready to drive yesterday, but I had trouble focusing and ended up running a red light. Thankfully it was at an empty intersection and no cops were around. That is the first time in my life I have run a red light. So clearly I am not clear-headed enough to drive yet. I will wait until Thursday before I try again assuming the cold continues to vacate the premises and I am not a dizzy-headed mess.

Tonight for dinner I am making beef pot roast in the Instant Pot, steamed potatoes in the Power Cooker XL, and broccoli in the microwave. No baby-sitting, no fuss, very little mess. It is nice having two electric pressure cookers when I don't have a stove. It makes things much easier for me.

I hope I am with it enough by Friday to do the banking and the grocery shopping. We are getting low on some items and with DH heading out to MIL's after work to work on cleaning out her attic and garage, he isn't able to do the shopping either. I'm making due, but it would be nice to have fresh greens again. I have enough potatoes, carrots, and plenty of onions to last the rest of the week, and I have canned green beans, and there are oranges and apples, so we won't go without. But it isn't salad. I might have cabbage, though. I could do cole slaw instead if I do.

I have a ton of canned, frozen, and freeze dried foods, but sometimes you just want that fresh produce factor in the middle of winter. We are getting low on bread and milk, though I think it will just make it to Friday. I am meal planning carefully, but I think we will pull it off okay.

Turned the Corner

December 10th, 2018 at 03:39 pm

This is one of the worst winter colds I have ever had, but I think I have finally turned the corner. I got up and got dressed for the first time since December 2nd. My cough is up in my throat now instead of my lungs or bronchials. I still definitely have a lot of mucus and am pretty tired, but I think I could drive today without being a risk to others. I haven't even been in a car since the 1st, let alone driven.

I even started a load of laundry, there is a huge backlog, though DH did his work clothes, but I have to take it slow. I am still a little dizzy when I bend over, so I reckon DS will have to take the clothes out of the dryer and bring them to my bed so I can fold them. But I am not dizzy when I am upright. It was so bad there for a while that being upright was too much.

There is talk of a Christmas or year end bonus at DH's work. I know when he filled out paperwork to become a permanent employee there was a sheet about a company bonus that goes into the 401K. I don't know if it all goes in or if some can be gotten as cash. We could use cash for medical bills. I don't even know if he will qualify, because while he has worked for them for a year, it has only been 6 months direct, so I'm not counting any chickens. It would be nice, though.

Considering the job he is doing, he should get one, but I don't know how these things work. They are pretty eager to hang on to him. His boss has put in for a raise for him, so keep your fingers crossed that he gets one.

He has been getting rumblings about slope work. One company even asked if they could put him in on their bid. DH said no for now because he really doesn't want to go back to Alaska. He likes where he is at. But it would be a possibility. I don't really want him to go away again. We spent the first twenty years of our marriage with him gone so much for work, now that he is home I have gotten used to it.

I know I could get used to him leaving again, but there is so much I can't keep up on anymore. That's why we don't have chickens, or turkeys, or ducks anymore. And why we've cut back significantly on the number of rabbits. I am even debating on whether or not I want to plant a garden this year. If I do, I will probably only plant a few beds.

Mom and DS want to put up Christmas lights, so DH went and dug out some of our standees (stand alone lights). We have our polar bears, our train, our seal with a present on his nose, our Season's Greetings, two presents, and our giant snowflake. We need to get a cable to secure the seal to the porch. Everything else will be zip-tied to the deck rail or up to high for someone to get without a ladder, but I am not losing that seal to theft. It was too expensive.

I have no idea why Mom wants to put up lights this year, except that there are tons of houses on our block who have put them up and our house looks pretty dark and naked without them. One of our next door neighbors doesn't have anything either, but that is pretty much it. She isn't the type to keep up with the Jones's normally.

I don't know when they will actually get put up though. DH and DS have been helping MIL to clean out her attic and garage to get ready for the exterminator to come, new insulation to be laid, a new breaker box put in, and a new furnace and AC to be installed. She's getting $40K of work done. FIL was a pack rat and there is a lot to get rid of. So far they have hauled away 1013 pounds of garbage. DH is finding tax files and paperwork from the 70's. We have a roving shredder business that you can get to come by and shred all your old paperwork and MIL is thinking of hiring them.

I haven't been able to help at all, although considering how much dust and rat droppings and loose insulation there is, that is a good thing. With my asthma it is just not a good idea, even with a mask on.

They are going out again tonight after DH gets off work and hopefully that will be the end of it until the weekend. DH didn't get any rest this weekend at all because he was out there. I am worried he is going to come down with my cold, because he has started coughing, but that might just be in reaction to all the dust. I don't like it when he burns the candle at both ends. He is getting some help from his sister and her boyfriend, so it isn't just my guys.

I just don't want him to get sick and have to stay home from work. And I need him to be well to drive us down to Virginia Mason on the 19th. I hate driving in Seattle traffic. I've done it a couple of times because in the past DH was in Alaska, but it is something that scares me because they drive worse in Seattle than they do in Orange County. In Seattle, no one knows what a blinker is, people zip back and forth between lanes even when there is no space to do so safely, assuming the lanes aren't at a standstill. Pedestrians jaywalk constantly despite having plenty of cross walks. And don't get me started on the bicyclists, who apparently don't like to use bike lanes, but would rather take their lives and yours into their hands and act like they are immortal. Even the bus drivers are a little nuts.

Almost all the streets are one way and half the time you can't go around the block for several blocks. People block intersections so badly that I've sat through five or six light cycles before it has been clear to go. The drivers are so aggressive, too. So yeah, DH needs to be well for that, because I am currently not up to that challenge.

Update Complete with Nasty Cold

December 6th, 2018 at 06:04 pm

On Sunday I woke up with a cough that progressively moved lower and lower this week until I sounded like a deep bass male. For the record I'm a contralto on a normal day. I no longer sound like a man, but my voice is in the tenor range. I am still coughing like crazy. I did write a chapter on Saturday, but haven't touched the book since. I find it better not to write when I'm taking this much cold medicine.

I have managed, barely, to make dinner the past 2 nights, thanks to the Instant Pot and a supply of beef and pork roasts. I am managing to eat one meal a day and the rest of the day I am just drinking bone broth, which thank goodness I had made on Saturday. I need to make more but the idea of it is a little overwhelming.

I've been sleeping a lot, and binge watching Say Yes to the Dress on Hulu. I don't generally like reality TV shows. Dancing with the Stars is the only one, really. I'm not terribly into fashion either. But this show is like candy. No substance, but some really beautiful creations. It's like art with fabric as the medium. Better yet it is completely mindless so I didn't have to focus on a plot at all, because honestly, I couldn't right now if I tried.

I did manage to take a shower and that's all I'm going to manage today. It wiped me out, but it was worth it. I'll have DH pick up take out tonight. Probably Polynesian so there will be some vegetables in it. All I want to do is crawl back into bed, but I'm trying to stay upright for a couple of hours until DH gets home and can change the sheets. The idea of doing it by myself is exhausting.

I hope this starts to go away soon. It hurts and I was just starting to feel really good after a week on the diet. Well, I'm still on the diet and I've lost a lot, but once my appetite comes back, I'm not sure what will happen. Currently I am .9 lbs from my dietbet goal weight and it hasn't been quite two weeks yet. I have been off the Pepsi for a week as well.

I can already see a huge difference in our grocery budget. Pepsi was starting to take a huge chunk out of it. DH is off it, too, so we aren't buying it at all. I can't believe I let myself get addicted to it again, but at least that is over.

DH's office Christmas Party is Saturday. I won't be able to go and I feel really bad about it, because we had to RSVP. It's a catered buffet. Although they are serving alcohol which usually means someone will make an idiot of themselves. I'm going to tell him to ask his mother to go. I think that she would enjoy having an evening out with her son. I was really looking forward to it, too. We haven't gone out for a night away from the kids in ages.

DH had to order a new cushion for his c-pap mask, so that was $67.95 out of the medical fund. I ordered two prescription refills today, too, but don't know the cost of that yet. Otherwise we haven't been spending. It's hard to spend when you can't leave your bed. Not impossible, Amazon exists after all, but harder.

DD has an appointment at Virginia Mason with a doctor that specializes in endometriosis on the 19th. My goal is for us to be well by then. DD has the cold, too. Although we are still going even if we aren't. I am going to get the name of the anesthesiologist who worked on her for her gall bladder surgery before we go to prove that there is one that is willing to do a laparoscopic surgery for her. Then it'll be a question of convincing the doctor.

DD doesn't care about the risks. She has no quality of life, so to her it is worth any risk to try to get this taken care of. She can't work, she can't go to school, she just exists in a pain-filled lump. I remember these symptoms well from my days with this disease. But I didn't have to fight for treatment because I was at a normal weight. Hopefully this doctor will be compassionate enough to try. None of the ones around here are, but then again, they don't specialize in this disease.

Productive Morning

November 28th, 2018 at 02:20 pm

I woke up very early this morning, at 4:30, and couldn't get back to sleep so from 5:30 to 7:30 I worked on editing. I rewrote a significant chunk of chapter twelve and added a scene to the end of chapter eight. Then I went through chapters 13, 14, and 15 and did a proofread, then a line edit, so at the moment the book is edited right up to the start of chapter sixteen, which I hope to finish writing today. If I get ambitious or into the right flow state, I will start chapter seventeen.

I paid a doctor's bill of $253. It was for the initial consult with DS's sleep doctor. He did spend an entire hour with us, but still, ouch, new patient visits are getting expensive. We won't know anything real about DS's sleep study until the techs have had a chance to read the results. That could be a couple of weeks yet.

At 8 a.m. I went back to bed and slept until 12:30. I have another doctor's bill to pay but have to wait until Friday to pay it. It is $125 and I only have $112 left in the medical fund after all the bills I have paid this week. But I'll be putting in the standard $400 deposit on Friday and then hopefully a little extra.

DH hasn't had a chance yet to straighten out the hospital bill. He probably won't until Friday when he only has to work a couple of hours. Since he can go in at any time on Friday, I recommended he use the morning to clear this up and then go into work.

I hope he gets more overtime soon. I would really like to fill up the medical account in preparation for the deductible starting over in January. I hate it when things are a struggle. I just want to get more than our heads above water. I'd much prefer waist deep or wading levels than this constant treading of water.

Maybe once I get this book done and self-published I might be able to earn a little something on it that will help with this situation. Here's hoping.

Not Much New Here

November 27th, 2018 at 07:57 pm

The diet is going well so far. Famous last words, though. It always goes well in the beginning. I've lost 5.6 pounds.

Yesterday I wrote 5664 words on the novel. That was two chapters, plus 882 words into the next chapter. The day before that I wrote one chapter of 2500 or so words. So after a 27 day stall I've put out 4 and 1/3 chapters.

I didn't spend any time on it today, mostly because my right wrist hurts, but I did spend a bunch of time watching writer videos on youtube. I am learning a lot. I've been writing for a long time, but I find there is always more to learn.

I think there are a few books I want to get on writing, too, but that will have to wait until I have more money. Or maybe that is what I can get from MIL. They are ebooks, though, so she'll have to give me cash. I'm not sure you can buy an ebook that is delivered to someone else. Maybe if we buy from my account and use her credit card? Anyone bought an ebook to be delivered to someone else?

I made a payment to the dentist yesterday for DH's crown. It was $473. I owe an additional $400, so will pay $200 this coming payday and another $200 the payday after that. Ugh. HR signed us up for the wrong dental plan, which is why the crown wasn't covered. We still don't know why the dental insurance said that it was covered at 50% during pre-approval, though.

We also have to resubmit a hospital bill to the insurance company because something went wrong somewhere. Another ugh. I wish people could just do their jobs correctly. We should only owe half of what it says. DH is working on sorting it.

All of the OT money is going to be eaten up, though. It's annoying. Just when we finally feel like we are pulling ahead we fall back again. And who knows how much DS's sleep study is going to cost. At least $1000, possibly much more. They kept him for a second day for further study so I am pretty sure that means they found something. His dad will be picking him up in about five minutes to bring him home, so hopefully they will be able to convey things properly. I am just too wiped out today to go pick him up and talk to them myself.

On the plus side, after getting further info from the doctor, the insurance company decided to authorize the enbrel. Now I have to find the paperwork she gave me about it, because it has the phone number of the pharmacy that mails the drug out and the info for the discount card. I kept track of it until it was denied the first time. I know I didn't throw it away, though, so after a bit of serious looking it should turn up.

DH and I got the HBO add on package for Hulu and have been working our way through Game of Thrones. He's watched it before, but I resisted due to the language, violence, and nudity. I finally gave in a while ago and now we are down to the last episode which we will watch tonight. Then nothing more until April. It is very good. There is more violence on The Walking Dead and I think there was actually more graphic nudity in True Blood.

I have also been watching Westworld on my own because I really enjoy the actors Ben Barnes and Evan Rachel Wood. But the amount of nudity in it is astonishing. I mean I know the robots aren't humans, but you'd think some of the human techs would be uncomfortable with people that look like humans just walking around like that all the time. I don't care whether you are human or a robot, if you have your stuff hanging out casually, it is going to embarrass me and make me uncomfortable. But the story is so good. I think it would be better without the gratuitous nudity, though.

I think HBO, Netflix, and a lot of show makers today could do with leaving just a little bit more to the imagination. The stories they are telling are intricate and could easily stand on their own and the majority of the language and nudity just don't further the plot. A good story-teller can convey it all without these crutches. They simply choose not to because they think shock value is more important in drawing viewers than the story. They are wrong. I am watching the story in spite of all that stuff, not because of it.

Payday Report for 11/16/18 Plus Lots of Miscellany

November 16th, 2018 at 06:00 pm

Been a while since I felt well enough to do one of these, but things are improving with the rheumatoid arthritis this week after about three weeks in full inflamation mode and I am typing with relative ease again, which is why I've been posting this week at all.

We had some overtime this week, 10 hours. All of it went to DH's crown, because it turns out our dental insurance didn't cover any of it, even though it said it would when they did the preauthorization. DH is going to talk to HR at work, because the plan they say they have they don't. So that means we have to come up with another $700 or so out of pocket.

I was able to put $600 into the medical fund instead of the usual $400 this payday, but that means that all of that will have to go towards the crown. Fortunately with this deposit there is $961 in the medical fund. We won't have the breathing room I had hoped for, but we will be able to pay for the rest of the crown.

I have done the budget for December and I am including the extra paycheck for November 30th onto that budget and not the November budget, since it is paying for December things. So on 11/30 I can put $400 into the medical fund and on 12/14 I can put in $700, and on 12/28 I can put in $900.

DS has a sleep study on November 26th (at least if they don't reschedule again) and I am not sure how much that will cost us. The family deductible is $2000 and DD has met $1000 of it (her limit), and I know I have met some of it. I think maybe $500. I know DD has met her out of pocket max, but I think that has a per person as well as a per family, too.

So I don't know for sure whether or not we will have any money left for next year's deductible. That $1500 for the crown instead of $750 is blowing us out of the water. Plus DH wants to get new glasses. He's more than due. At least the vision is decent, but it'll still be around $200. He's getting cheap frames no matter what. Nothing fancy. He's already cost us too much medical money with that crown, even if half of it had been covered.

Here's what went out today:

$319.93 Tithe
_400.00 Grocery Envelope
_600.00 Medical Fund
__75.00 Household Envelope
_596.31 DH's Crown (plus additional from last payday)
__61.74 DH Life Insurance
__60.46 Me Life Insurance
_100.00 Blow Money Adults
_120.00 Allowances
_100.00 Clothing Envelope
_100.00 Christmas Envelope
_172.84 Computer Fund
----------------
3051.38 Total Money Out

DH purchased his new computer online today, so the computer fund is now wiped out. I'll start over in December, but I think at only at $50 a month. We were doing $100 because DH's was on it's last legs and it really felt like a race to the finish line on whether or not it would last until we had the money. His was five years old.

We all have newish computers now. Mine is the oldest at barely two years old and it is still in excellent shape, so there is no urgency to build the fund back up. Still, I want to have something going in there, and it is possible a phone could go and have to be replaced, though it is doubtful. I don't think any of them are a year old yet. Maybe mine. But it is serviceable. Who knows what the status of my computer will be in another year and having the money sitting there to replace it if it goes kaput is always the better option.