A New Year, A New Resolution

It’s hard to believe that it’s already 2016. A New Year, a new resolution or two. It’s time to close out one year and prepare for the next.

I’m looking back over the last year and see that I’ve started a new chapter in my life. While I’m still working things out I know I’m going into the right direction.

My first resolution is to continue my blog. My blog is still in the works and I’m learning all kinds of things. I can’t wait to put them into action.  I’m still having some technical issues, but see things coming together in the very near future.

Those following and reading, I hope you’ll stick with me as I put it together.

My New years resolution is to keep going and working my a- – off.

I would love your opinions. I’ve gotten a few but would love more.  Please comment, message me on facebook or send me an email. There’s also a contact form below.

I’m looking forward to a fabulous 2016 and putting my resolutions into action.

Communication With Your Teenager

Trust Your Mom

Having good communication with your teenager is hard, but so important. I’m sure I’m not alone when I say that. It takes good communication to get them to trust you.

We’ve had several discussions on how to handle communication. We’ve gone back and forth and I think we are finally at a point where we can communicate, talk and have trust.

The best conversations I have with my kids are in the car. I used to drive them to school when they were younger. Looking back, I know that’s when I learned a lot about what they were thinking.

Over the years I’ve had to make coming to me a safe place to go when they need help. I’m not talking about tying a shoe or doing laundry for them, but when there’s peer pressure.

They have heard many things from me, including how to get away with not giving in or if it’s a hard situation how to get out of it. For example, if they are in a situation where they are being super pressured into drinking a beer, go to the bathroom, dump out the beer and fill it with water. Nobody will know.

If there ride has been drinking or doing drugs or if they themselves are too drunk to drive, I’ve told them to call me and I’ll come get them no questions asked.

One day my younger son said “I know you’ve said I can call and no questions asked, but I feel like you will get mad at me”. I had to think fast on my feet. How can I make him feel safe and trust me.

Ah ha!

I told him “if that happens and I start giving you a hard time just remind me I said no questions asked. However, I will be so happy that you did the right thing and you won’t die or kill someone I’m sure I won’t be mad.”

The town I live in has lost a number of kids because someone got behind the wheel and the others got in the car with them. No parent should have to deal with that. Teach them well and offer them a no questions asked way out so they feel safe.

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I Finished My Challenge

Yesterday is the last day of my challenge to post content in my blog for 30 days. I’m excited because I finished my challenge. I didn’t get to do each of the thirty days, but I was able to post many of the days in the challenge. About 80%. I wanted to do 30 posts, but when I look at what life has brought I’m proud of how much I’ve done.

Now I look forward to posting blogs on a consistent basis with lots of great information. That said, I won’t be posting everyday, but will do post consistently. That will be one of my goals.

I learned a lot and enjoyed passing on information. For me my blog is successful if I can pass on helpful information with a rant here and there. Please continue to read my blog and post your comments on my blog page. I want to remind you to sign up to receive my blog posts via email. Just Click Here and fill in your name and fill in your email address.

I am Looking forward to my future and what blogging has to bring. Now I’d like to ask a favor. Go to my blog and tell me what you think by writing a comment on my blog page and tell me what you want to know more about. Topics you’d like to see me blog about. I really want your feedback. If you would prefer to send me an email That would be great too. Whatever works for you. I want to continue, but want to write about things that you are interested in.

Thank you for reading my blog and Hope you are enjoying your holidays! Keep on reading.

What Does Health Insurance Really cover?

I am getting bills for medical costs that should have been covered by insurance. What does Health Insurance really cover? I can’t answer that. I’m looking at my claims for the year and find out I’ve paid out way more than my deductible.
When I called the insurance company they told me I have co-insurance after I pay my deductible. I said I don’t have any other insurance. Well shame on me. Co-insurance is actually what I pay after my deductible is met. I should have known that.

Here’s what I’m finding out and hope this will help you figure out what you are really getting.

Co-Pays for Primary Care Physician

Co-Pays for Specialists

Then you have the deductible which I’m trying to figure out if the Co-Pays are part of the deductibles.

Then there’s co-insurance. That means that after you have paid your deductible you pay a % for co-insurance which continues after I’ve met my deductible. But wait, I have a maximum out of pocket of $3000. But that doesn’t count because of the family out of pocket.

If that makes any sense to you, please explain it to me. I’ve asked for an audit because there is no way I can figure this out. It’s like taxes, someone decides on a law regarding taxes and it doesn’t have to make sense, you just have to know that’s what you need to do.

I think I’m going to get catastrophic insurance because this just doesn’t make any sense at all. Why do we pay for health insurance if we don’t get any real benefit from it.

I will be researching and suggest you do the same thing. Because I’m at $18,000 out of pocket between insurance, co-pays, deductibles and co-insurance. And did I mention there’s out of network as well?