| Blogs > 1ClassyLady > U r responsible for ur life |
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August is a busy month for me to turn to be 65 By late of this August I will turn to be 65 years old. There are 4 things I must do before my birthday. 1. Driver's license renewal with DMV (Dept of Motor Vehicle). Before I went to DMV, I already went online to DMV of California to check its website. I had online renewed my driver's license twice (I have no moving violation or parking ticket for the past 15 years). The DMV letter said I have to physically go to DMV to renew this time. I went to DMV on Aug 4th morning. Wow, long waiting line around the building. Everybody wore a face mask, keep social distancing 6' and brought the necessary documents such as U.S. passport. When my turn, I had to fill out an application at a computer, then get in line again. DMV checked my U.S. passport and took a picture of me and told me to wait about 2 - 3 weeks for the new driver's license in the mail. 2. To apply a SSA (Social Security Administration) check. I have been a full time pharmacist for most of my adult life. My payroll had been deducted the insurance premium, so now it is time for me to get SSA checks. I applied 3 months before my birthday. SSA checks will automatically deposit to my checking account. 3. I got my free Medi-Care health insurance on Aug 1st, 20'20 (the 1st day of birth month at 65). The Medi-Care covers hospital and medical, but not prescription medication. So, I went to many seminar classes to attend many insurance companies for their plans. Some seminar provided a lunch or dinner meal, some provided a piece of pie with a drink, some just a glass of water. I had chosen a plan that provide me "Eye Care" (eye glasses) and prescription coverage. So many insurance companies to choose for supplement insurance (HMO, PPO ). 4. My California pharmacist license renewal. My mom fell down for 3 days and nights in her condo while she lived by herself in 2009. Luckily, I gave my female pharmacist (Kaiser and CVS) colleague who lives in the same condo complex with my mom. She didn't see my mom, so she opened my mom's door and found out my mom was on bathroom floor. She immediately called 911 and sent my mom to ER. She also called me to that hospital. At the ER, I saw many nurses were cleaning up my mom. A hospital social worker came to me and said "you can't let a 80 y/o woman to live alone". I used the time when my mom was in hospital for 4 days plus 14 days in a Nursing Home to quit my pharmacist jobs and brought my mom to my home. I took care of my mom, but she passed away in Sept 2013 at age of 87. She had severe Rheumatoid Arthritis and Osteoporosis. After my mom passed in 2013, I looked for jobs but they said I have lapsed too many years to work as a pharmacist. They rather to hire new licensed than my long career history pharmacist. I kept to renew even my mom passed, but became "inactive" as retired. I paid license renewal fee every 2 years. This Aug I decided NOT to renew my pharmacist license as "give-up" to work. It's making no sense to renew my license but not working anymore. I am officially retired. I have been a real estate and stock market investor since I moved my mom to my home in 2009. I have good days and bad days but my banker friend has helped me in decisions. Honesty is the best policy. |
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"HAPPY BIRTHDAY" It is certainly a challenge to select the Part C. (Comprehensive Plan) of Medicare.. So many companies say so much.... then one has to consider the out of pocket deductible and the Co-pay. I still work, so I use Insurance I buy from work, as Part B... after I stop working I have 8 months to select a Part B... of choose a Part C (Comprehensive Plan) Social Security is a Good Program.... its time they set up to remove the limit of income that is earned... so that one can pay into it, until they are 65... it helps existing people on it, but secures it for the future of the younger people. Republican continue to try and damage Social Security and Medicare... During the Bush Administration they tried to privatize it but got busted for trying to do so. Trump is trying to cut payroll deduction, because he knows it will damage social security, and employers won't have to make contribution to the plan or pay their portion of taxes for employee (This man HATES to pay anything, but he always wants tax credit, tax cuts and government sponsored grants and contracts. Trump I think, does not care about COVID-19, because all he can think about, is the more older people who die, the less Medicare they will use... The evilness of this man is an atrocity. Depending on ones earning during working, Social Security can be a great help... for many people who worked in areas where the pay was not very good, it caused them to have smaller monthly checks... and because for the fact the minimum wage was so low for so many, they need addition assistance even after having worked their entire lives , because there are so many jobs that did not have pensions, and since they created the 401k... it shafted a lot of people, because the companies lured people to accept it by pretending to provide a $ for $ match, that kept shrinking until companies no longer contribute one penny to the employees. Many people never made enough to invest, and even today, many are living pay check to pay check and have nothing for investment or savings. Social Security become a lifeline to a great many people in America. I have worked for Kaiser Permanente for near 5 yrs as a pharmacist. During that yrs, all the Kaiser employees no matter what department, MD, nurses, pharmacist, lab, accounting, ... and so on, can get FREE health insurance. We don't need to pay any premium and get health insurance free. We only paid $5 per doctor visit, $5 per prescription that including brand name or generic. I was 47 to 51 y/o, but not paying any insurance premium and covered even my husband, my daughter, my son and myself for those yrs I worked at Kaiser pharmacy. It doesn't matter which president in White House, Black or White, Democratic or Republican. According to the employee benefit, if an employee who worked for Kaiser more than 5 yrs, can get "pension plan" for life. We have paid vacation for a week every 4 months and the vacation can be accumulated. In other word, 3 weeks paid vacation a yr. One pharmacist near 70 yrs who worked at Kaiser for more than 20 yrs has accumulated almost a yr vacation without working. Amazing. The pharmacy manager had to encourage him not to work and taking vacation with pay. Honesty is the best policy.
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"HAPPY BIRTHDAY" It is certainly a challenge to select the Part C. (Comprehensive Plan) of Medicare.. So many companies say so much.... then one has to consider the out of pocket deductible and the Co-pay. I still work, so I use Insurance I buy from work, as Part B... after I stop working I have 8 months to select a Part B... of choose a Part C (Comprehensive Plan) Social Security is a Good Program.... its time they set up to remove the limit of income that is earned... so that one can pay into it, until they are 65... it helps existing people on it, but secures it for the future of the younger people. Republican continue to try and damage Social Security and Medicare... During the Bush Administration they tried to privatize it but got busted for trying to do so. Trump is trying to cut payroll deduction, because he knows it will damage social security, and employers won't have to make contribution to the plan or pay their portion of taxes for employee (This man HATES to pay anything, but he always wants tax credit, tax cuts and government sponsored grants and contracts. Trump I think, does not care about COVID-19, because all he can think about, is the more older people who die, the less Medicare they will use... The evilness of this man is an atrocity. Depending on ones earning during working, Social Security can be a great help... for many people who worked in areas where the pay was not very good, it caused them to have smaller monthly checks... and because for the fact the minimum wage was so low for so many, they need addition assistance even after having worked their entire lives , because there are so many jobs that did not have pensions, and since they created the 401k... it shafted a lot of people, because the companies lured people to accept it by pretending to provide a $ for $ match, that kept shrinking until companies no longer contribute one penny to the employees. Many people never made enough to invest, and even today, many are living pay check to pay check and have nothing for investment or savings. Social Security become a lifeline to a great many people in America.
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I changed to be a "organ donor" on my new driver license. I want to save someone else life. Honesty is the best policy.
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Kayra: Many thanks to you. Long time haven't heard from you. Honesty is the best policy.
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Thank you. Have a nice weekend. Honesty is the best policy.
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I got my renewal driver license on Aug 14 in the mail, only 10 days waiting. Do your country give you pension plan or health care insurance when you reach 65? Honesty is the best policy.
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My driver's license renewal will become "Real ID" card, good for travelers. I will receive a fix amount of SSA checks monthly in the future. Honesty is the best policy.
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My 65th birthday is coming soon. Nowadays, birthday is not a happy day - a year older. C'est la vie !!!! That's life. Honesty is the best policy.
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