Tuesday, March 30, 2010
Spring Break
Clean bathroom cupboards and drawers
Organize coat closet
Scrub kitchen drawers and cupboards
Clean car
Text tball parents about practice
Finish 4th yr. prep for meetings/get out invites
Laundry
Yard work
Shift wardrobes
Install attic access in garage/rearrange garage
Lunch out without kids
Clean grout
Recaulk shower and kids' tub
And my kids' list looks like this:
Playdate
Sleepover
Library
McDonalds
Movies
Playdate
No cleaning
Swimming (what?!)
Play with cousins
Sleepover
And my husbands' looks like this:
Work
Therapy
Eat
Sleep
Sex
hmmmmm.
Monday, March 22, 2010
The open-backed medical gown
So take off all your clothes . . . and look to the left and cough.
Because now more of you can go get annual check-ups as part of your government-semi-mandated insurance coverage! :)
Ok. So, I have a total personal commentary blog about the health care debate, but I am going to post this one JUST in as simple terms as possible for my sister-in-law, Stacy, a self-proclaimed "not really into the political thing" person, for now, and then post my thoughts afterward. I'm going to type this like I was talking with Stacy.
Alright. According to the Congressional Budget Office, the numbers guys, there are approximately 32 million people living in America without health insurance (that's a little more than 10% of our population). With this new bill 25 million people will be required, by law, to carry some sort of minimal health insurance by the year 2014. By 2016, if you have elected to NOT have medical insurance, you will be fined ($2,085 or no more than 2.5% of your household income as your family's fee.) It's very similar to the idea of auto insurance. The money that the younger, healthier, haven't-really-needed-it-and-never-wanted-to-pay-for-it-unless-I-have-to-and-now-I-have-to generation of medical insured will help offset the costs for those who, under this new bill, CANNOT be denied health insurance because of pre-existing conditions, amongst other things.
So, out of those 25 million people who HAVE to have medical insurance, 19 MILLION of them will qualify for government subsidies (or financial aid). They figure whether you need a subsidy based on your family size and income (similar to how they figure your taxes.) If you make less money, you get more of a subsidy to help pay for your health insurance. If you make more money, you will get less of a subsidy. It's kinda like a sliding scale. As your income goes up, your help from the government to cover your medical insurance goes down. Now, if you make a bunch of money (over $250,000/year per couple) or are collecting interest and dividends on monies you have, you will pay more taxes on that sitting money AND you will have to pay more for Medicare (Part A [the hospital Medicare]). That's one reason people don't like the plan. If they make more money, they are definitely paying more money into the system for those who DON't make as much money.
The extra taxes and cutting of their Medicare for the wealthy, along with a bunch of other taxes and fees that have been enacted (i.e., new tax on expensive health insurance plans, drug manufacturers, insurance companies, and other smaller fee collections [like a 10% increase on indoor tanning tax. . . lol]) AND government monies that have been cut (like the Medicare Advantage, Home Health cuts, and certain payments to hospitals) will be where they get some of the monies they need to get this health care plan moving. IF you work full time for a company (that is over 50 employees) they must provide health insurance to you. If they don't they will be fined and if they do, but it's not enough and you qualify for a subsidy, then they have to pay into the government system $2000.00/employee for the year (first 30 employees they don't have to pay into the government system, but every full time employee after those 30, it's $2000 bucks into the system.) If they DO pay for some insurance, but it's more than 8% but less than 9.8%, this new bill would require businesses to give their employees insurance vouchers so they could go out into the marketplace to get their own insurance.
OK. SO. The marketplace is probably one of the more radical ideas of this whole concept. Shopping for medical insurance will take place in state-run EXCHANGES where individuals can shop for their family, and become part of a group (kinda like a co-op) that gets a better rate. If I understand right, it's how most of the government officials have gotten their insurance, because they have banded together and made their own bigger group. So, if you're self-employeed, or not making a ton of money, or work for a company with less than 50 employees, you can take your employer voucher or your government subsidy and check out the plans in the exchange and opt for a plan. At least a minimal plan, but each state will have 4 levels to choose from. (Bronze, Silver, Gold, Platinum). The insurance companies are now (well, in 2014) to allow the same rates for people inside a plan and for outside a plan and all plans must be "in the interest" of the people. The theory is this bill will inject competition into the medical insurance field, so even the average guy who's been paying for his own insurance can get a better deal on the exchange. The bill also expands the coverage of Medicaid so they can cover more people in the government's program if it's necessary. ALL of the subsidies and appeals about qualification as well as oversight of the state exchanges will be part of the Department of Health and Human Services. It's already a government department, they just got a whole bunch more responsibilities in their laps.
So, when is all this going to happen? Like, SHAZAM? No. The bill was passed by the House, and now the Senate and the House will go back and forth working out the terms. Plus, there's 2 more elections before it's supposed to go into action. One of the reasons people have been upset that this was being "pushed" through was because there's a Democratic majority and so, the chances of it passing were REALLY good, especially since, in these times, most all major decisions are decided by party lines [which I will get more into when I have my say on the next post.] Another reason for people getting more upset is that they're mandating that we HAVE to have insurance . . . [again, later I can talk about that.] There has been some issues (quite a lot, actually) about this new bill allowing money from the federal government to be used to fund abortions. It's one of the reasons why they weren't sure the bill would pass because several of the Democrat representatives wouldn't vote for it UNTIL President Obama signed an executive order specifically stating that no federal monies would be used to fund abortions. What we have now is that there canNOT be any lifetime caps OR annual caps on existing health coverage. SO, if you get really sick, you can't be kicked off your insurance for using up too much money. Children cannot be excluded from insurance coverage for pre-existing conditions and can stay on their parents insurance until they're 26, guaranteed by this bill. Until the "exchange" program is available (in 2014) there will be a temporary "high risk" National plan that's available for some, and a credit available to senior who fell into the "gap" of the Medicare prescription plans. Also, effective immediately, businesses that already offer insurance to their employees will recieve tax credits of up to 50% of their premium costs (that's a big plus to businesses.)
Is this the answer? I do not think it's the complete answer. I can see where there is a lot of wiggle room for the plan to work one way for the good of the people and another for the tighter control by government . . . but that gets all too personally motivated for me, to keep it simple, so I will have to talk about that next.
Hope this helps, Stac.
Wednesday, March 17, 2010
Clover Clever
Sunday, January 10, 2010
Re-directing Your Course
I was a freshman at Chaparral High School in 1991 and my best friend Tiffany Davison and I had lockers a few rows apart from each other on the upper deck of the English/History Hall. It was a prime location (which we probably didn't fully appreciate at the time), but we could easily meet around there and pass notes between class and do a little upper classmen gawking as they walked by to their respective "older" Government or Composition classes. Many a male Cowboy we swooned over from our orange-fenced perch there. It's where I was first introduced to a tall red-head kid named John Abbott. Tiff had a crush on him for a second, but at that stage of soaking-it-all in, I was placing names with faces like crazy.
And that was pretty much the beginning of my introduction to the Abbott family. The Abbotts lived in our stake and as my world expanded in high school, I realized John Abbott had a really big family and wonderful parents. Garth Abbott, his dad, was gregarious and fun and loving and LOVED his family. Sister Abbott, was SO kind and jovial and loving and busy (again, big family!) Those are my impressions and remembrances of my interactions with the two of them. They were one of the couples of periphery influence on me. They were ALWAYS a good example to me. Later in high school, my senior year boyfriend was best friends with another Abbott boy, Jason, who was a good friend to me and my sister. Many a memory I have with Jason, and his good-natured, fun-loving self is also a testament to his parents' love and example, I think.
Over Christmas break, I got word that Garth was diagnosed with a really aggressive form of male breast cancer and the prognosis was bleak. The Abbott family's scope of influence has been wide and abundently good, and before long, their daughter-in-law (Rachelle, who interestingly enough, I got to know a little bit as our paths would cross as new Clark County English teachers and at the office of the OB/GYN while we were always pregnant at the same time together) began a fund-raising blog to help raise funds to start Garth on the much-needed chemotherapy that he needs.
See, (and this is the part, where, since it's my blog, I can speak freely) Garth Abbott has no health insurance. Because of that, they won't treat him. In THIS country??? Really? Well, yeah. [I'll leave it at that.] Rachelle speaks about this issue on her blog (as well as a really good description of Garth's situation) and it's summed up with he will not receive treatment until they can cash pay some of his expensive treatments. Since I can relate with the don't-really-have-that-kind-of-money-sitting-around predicament, I have been really touched at the outpouring of support and auction items up for bid (at last count I saw there was almost 100). This auction is short and it's really all about helping Garth and his family. And I can relate with that too. Who wouldn't want to help a brother, dad, son, husband, grandpa?
I have added a ScrapFest registration to the auction and hope that will be a small help. And I have made a bid on a Valentine's basket (because y'all know I'm not a good baker!), but there is a great need for a lot more traffic onto the blog. I'm hoping some of you who read this and can, will go pay a visit and find something that strikes your fancy. Then bid, or donate to the bank account. EVERY bit will help.
Here's your next stop on the internet: HELP SAVE GARTH ABBOTT!!!
Thanks peeps . . . this is what makes the internet such a blessing!
Monday, December 21, 2009
Lucky 13
Sunday, December 13, 2009
12 Days of Christmas all for ME!
Thursday, November 12, 2009
Family Photo Shoot
I knew it was time to replace the family portrait hanging in our house. Ya know, the one that is from fall 2005 when Brock was a baby. My mother-in-law requested a big group picture, too, so I figured if we were all going to go through the efforts of individual pictures we should just gather at once and get-er-done at one time.
Ok, so that presents STRESSOR #1 with family pictures. Where/who is going to take the pictures. We knew we'd outgrown the studio-package places for the big group. The womenfolk discussed some different people who were into photography. I know there are a lot of REALLY good photographers (kinda feels like the thing to do sometimes if you have a decent camera and are looking for a way to make some cash while staying at home), but I really trust the work of my friend Chris Jenkins. [www.chrisjenkinsphotography.com] So, we booked her for the huge group and she agreed to not only do individual families, but also individual kids, and pretty much whatever else we requested. I'd seen some of her shoots with other friends at a local park here, so we went to Sonata Hills Park up in Seven Hills.
Then we agreed on "fall" colors, which was part of STRESSOR #2. What is it with our consumer economy that we are a full season ahead of what's happening? Christmas decorations out at Halloween? Easter at New Years? Ya know? Anyway, as I was looking for options that would stay in our budget I was irritated at all the Christmas colors out already. Tons of reds, black, gray, turquoise blues (which is the "in" color for winter . . . who cares that it was OCTOBER when I was shopping . . . CLEARLY still fall . . . grrrr.) ANYWAY. My theories of color-coordinating are not probably right or trained, but I know what I like and I had a vision of what I wanted for the fam in order to look good . . . we ARE going to plaster this photo in every Christmas card and on our walls, so . . . When we get pictures done, I'd rather have color than not, and with so many people, it's not okay to say we're going to do "purple" because then we'd look like a huge Grimace or "brown" or we'd blend to each other like a pile of poo. I like to have some pattern, if possible, and different textures. I don't think the girls need to have the EXACT same outfits (they're too old for that now and have their own style), but I am not opposed to it for my boys. I do think the looks should be all jeans OR all khacki, but on a budget I was willing to toss that one out the window.
And that's STRESSOR #3, the budget. Luckily we were all able to split the photog fee, and I was able to narrow our clothes options to what I knew we already had and what I liked: Tyler's golden yellow Nashville shirt (I really liked the shirt on him) and Mackenzie's purple shirt (love that color). From there I pulled out everyones jeans as I washed them (so I'd guarantee they were cleaned come picture Saturday) and then I started to lay the clothes out on the dining table to get a visual. I went to Target to see what options I had there and immediately say the yellow scarf. I love scarves, but don't have a need to wear them too much in Vegas BUT I knew it'd be a perfect match to Tyler's shirt and thought maybe Caylee could wear it (and bonus, it was on clearance for six bucks or so). I found a purple polo shirt for Brevin for $5.99 and the right yellow T-shirt for Brock for $3.99. I was looking for a plaid button up for Briggs, but didn't have any luck. When I laid everything out at home I realized we were looking like the Lakers sports team with the yellow and purple, so I decided to throw in a 3rd basic complimentary color and went for brown. At that point I pulled out my long sleeve brown shirt I've had for several years, my boots from Savers (seriously they cost $.99), Kenzie's brown shoes, and the boys church brown shoes. That left me looking for Caylee's top and shoes, and Briggs top. I went to my hand-me-down bins in the garage to see if I had any options there and found a cream waffle knit shirt that would do Briggs in a pinch if I didn't find anything. The scarf was too big for Caylee, so I decided it'd be my accent color, and Saturday after the early soccer game I swung by K-mart to score brown flats for Caylee ($10.99 - kinda more than I like to spend, but she can wear them to church through the winter or to school on non-P.E. days), and a PERFECT brown polo for Brock. Although it wasn't in the right size, I bought it knowing it would break up too much yellow with Brock and Tyler in the same color solid shirts. I also bought a two pack of tank tops for Caylee at K-Mart knowing I would have to find SOMETHING in purple or brown or yellow to go OVER the tanktop and fast since we were ticking down to prep time and arrival time. I ran super quick to a boutique Rhapsodielle (or something like that, very similar to Forever 21) and found a brown shoulder shrug in an XS that I hoped would work for Caylee ($7.99) and some fun dangley earrings for me in purple (my splurge $8.00) since we needed a 3rd appearance of the purple.
Not that you can see the earrings BUT, here's my law of 3's. There needs to be an appearance at least 3 times of accent colors in a group picture. Purple (4 - Kenzie's and Brevin's shirt, my earrings, Caylee's necklace), Yellow (3- My scarf, Tyler's shirt, Brock's undershirt), Brown (4- Brigg's pants, Brock's and My shirts, and Caylee's shrug), and white (4- Brigg's shirt, Caylee's tank, Brevin's undershirt, and Caylee's hair flower.) And now that you read all that . . . I KNOW!!! I think way too much about this.
I shouldn't really talk too openly about the other STRESSORS of family pictures for the sake of all familial relationships, but it's sufficient to explain I was pretty emotional about our family's pictures and bawled the entire way home. I am SO glad I pushed the point of having a great photographer because she was hard-working and got some amazing results despite a HUGE workload and a woman-on-edge (yeah, that would be me.) Thanks again Chris!!!















