Running Bear's Coffee Shop LXVI


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Hi all. Greetings from deep east Texas. Will be home tomorrow. Been trying to keep up with all the posts. Have traveled to Galveston and Crystal Beach, and spent time with family and friends in east Texas. Ready to be back in our own bed though.

Garry - I may want more details on your personal unpatented water effects process for when I pour our River and lake.

Will get get back to regular posting next week.

Have a good evening everyone.

Johnny..... I'm thinking I will put together a " how to". On how I do "water". I have to retrieve photos fro Photo Bucket first .
 
This is the gate (to your yard) I was referring to, the warmer one.

Willie

Guess maybe that wasn't a good idea after all? Widow lady across the street just shook her head, kids in the cul-de=sac ran into their house screaming, younger wife's laughed, and a couple husbands made death threats! I thought this was a liberal State?

Quote from Willie: The land route from Beaumont through a small town called Winnie is rather scenic.

I have cousins who grew up in Winnie - one still lives in the family home there.
The other 4 are in the Beaumont area.
 
Good morning y'all. 68° and sunny this morning. Earlier, the temperature was down to 53°.

Louis: Gausman almost pitched a complete game. Nice win.

On Obamacare: After dealing with my MIL's recent surgery, I need to point out that the problem is not necessarily with Obamacare, but with the private sector insurance carriers that participate in Obamacare. They are like a cartel.

My MIL is 85, and has a employer sponsored, (non Obamacare), Medicare Part C "Medicare Advantage Plan", through one of the major national carriers. This "plan" includes Medicare part A & B, plus D (prescriptions) for one low price...That being the monthly part B premium deducted from her SS, as well as a monthly cash premium of $110.
It also has a $1600 annual out of pocket deductible, and a per visit co-pay, of $25, for a primary care doctor, and $35, for a specialist. She must remain in network, or pay a penalty, that doesn't go against her out of pocket. The plan also includes prescriptions, as determined by the insurance carrier's formulary, with co-pays for generic, name brand, and premium name brand, at a rate and allowable amount to be determined by the carrier.

During her recent hip replacement, the insurance carrier, has consistently paid 80% or less of the allowable Network charges, leaving her with the balance to pay out of pocket. They have not even processed her hospital charges, or her SNF (Rehab) charges, although they cut her rehab after 14 days, (straight Medicare allows 20 days), her in home rehab at 12 visits (Medicare allows 20 visits), With all of the related expenses, according to the insurance carrier's creative math, she has not as yet reached her out of pocket limit.

Contrast that to my recent surgery, covered under straight medicare, with a supplement, (costing $192/month), no co-pays, no out of pocket, no Network restrictions, and absolutely no cost to me other than the monthly premiums.

The solution to the current healthcare dilemma, is a single payer system, similar to straight Medicare, for everyone. Supplements and Rx Plans would be optional as is with Medicare.
Cut the greedy insurance carriers out of the picture, and problem is solved.
 
Good morning. Sunny yet unseasonably cool in central MD for this time of year.

The view as of 7:00am:

LinndaleRidgeTreesCloseUp.jpg


Sherrell: Sounds like you're pushing yourself a bit too hard...easy does it my friend!:eek:

Phil - Good to see you posting here more regularly again!

Garry - your work is outstanding as always!

Been up to my eyeballs in my own little scenery project the past several days [when not at work or doing family chores], that's why I haven't posted much here lately.

Gotta go get ready for Mass now, then I'll be spending a few hours mowing my 2 acres of lawn. At least the weather is perfect for being outdoors. Syonara!
 
Hello coffee shoppers......looking at another hot one here in the Great Basin. 95 today, climbing to the 101 mark by mid week. Willie, can ya send some of that rain over here, without the lightning of course, much appreciated! I can see two large columns of smoke east of the house from what is being called the Modoc July Complex fire. There are several smaller fires plus the two big ones totaling a few acres short of 40,000. By far the majority of the ground involved is sagebrush, scrubbrush & grass, with a few Juniper trees in the mix. Type in Inciweb plus your states name in your browser to find out whats going on near you.
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Originally Posted by bnsf971No, that's Obamacare... All nice and legal--and mandatory.
Not even going there!
But I do have a pic to share, found this on the same trip I found the 1880 rail.
IMG_2306.JPG
This thing is made out of some heavy duty metal I tell you! It has three of these logos on it, still pretty good graphics I thought for the age of it. I was thinking it was made in the 60's 70's or there about. A google search turned up everything I wanted to know about everything else except a Youngstown spike keg. Perhaps some of the more tech savy people can have a go at it, any of you Forum members in the Youngstown area?

The bottom is in decent shape, thought about taking the BFH to it, make a shop trash can, or at the least, cut the graphics out & make some kind collage with them. Who hauls that kind of crap home anyway?.......ohhh wait a minute.....
Have a good day people..........
 
JOE -- Just another reason that I like it out here other than the "fab" weather! My Kaiser Plan costs me "nothing" extra other than the Medicare Part B amount, but we do have some co-pays to deal with - which I have noticed have gone up from last year to the tune of as much as 33%. I have also noticed a rise in the co-pay for some of our meds. Both Spousal Unit and I chose a PPO so that we could have a choice of Doctors and facilities. Usually the co-pay for doctors is $20.00, lab work $40.00, CT Scans$160.00 - seems I have to have bunches of those with another coming tomorrow morning.
I hear tons of stories about the horrors of "OCare". I just cannot believe that the lawmakers have done such a blatant miscarriage of their sworn duty to protect their voters. I hope what I heard this morning comes to pass; namely-CUT THEM OFF FROM THEIR PRIVILEGED HC! iT'S TIME THAT THEY LIVE UNDER THE SAME RULES THEY PASS!
 
Hello again

We are headed to Nashville for family time there.

Regarding Medicare. It is great for recipients , but it is a major cause of the debt. Tax revenues for it from payroll taxes have never been enough to pay for the program. While we seniors are enjoying its benefits , later generations will be stuck with massive debt because of it. Also , the Nedicare trust fund is being depleted. To suggest adding to the debt by converting Obamacare to a program subsidized by the government is just not a fiscally responsible proposal. Obamacare already adds to the debt in spite of promises to the contrary.

Again, affordable health insurance was available to families before Obamacare, and the best solution is to go back to that.
 
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Good morning. Looks like we're going to bake like a lot of the country. Already 79 degrees at 9 AM.

Didn't get to check in yesterday. Got an early start on rebuilding the back deck. My son and his wife have really been great helping with the projects. He worked construction for a number of years before going to college and is quite a craftsman. The back deck is 40 years old. I had put down new decking about 15 years ago along with the railings, but the steps were pretty well shot. They wouldn't let me do much work because of my owie on the leg, so I got to sit in the shade and supervise. The old stairs were removes along with all of the railings. The railings were sanded down and stained. Originally the steps sat on a couple of cinder blocks and the stringers for the steps were pretty well rotted after 40 years so we poured a small concrete pad for the new steps to sit on. That's next weeks project.

They did run me off a few times when I wanted to get into the action so I did take a break and went down to the train room and ran trains for a while. The Northern Pacific covered hopper Arrived that I ordered from MB Klein on their Kadee sale a few weeks ago. The detail is incredible, but one it is put into a train with less detailed cars, you really can't tell the difference.

IMAG1217-1.jpg The Milwaukee Road hopper is from Atlas and the Soo Line is another Kadee.

Garry - The water is incredible. Well done. That scene is beautiful.

Eric - I am so happy that you are finally able to get some trains running.

Beady -
Thanks for posting the exchange online. I will have to check that out.

Professor Ken from VA -
Nice photo. You seem to be having just too much fun on that trip. Stay safe.

Willie - Not much Spanish is heard up here. There are a few Mexicans up here, but the ones I have run across all speak English rather well. Many own small businesses.

Ken in MD - You knocked it out of the park with that photo. Saw it on mty phone yesterday and I thought it was real. OUTSTANDING !!!!! appl.gif

Obamacare is a sore point with me. It does not affect me directly as I am now on Medicare with an excellent supplement. The government should have never stuck their nose into healthcare. The country does not need another entitlement. My son and his wife are for the most past self insuring themselves as there is no way that they can afford it with him paying off his student loans. I am sure that many other younger people are in the same boat. I know a number of people who have no choice but to be under Obamacare. One good friend has a wife with ongoing health issues that they were able to afford with no problems until they were forced onto Obama care. Due to the increasing premiums, even with a decent job, he now is having to use food stamps to get by.

When the government took over the Mustang Ranch due to unpaid taxes shows you how efficient the government is. How can a house of ill repute that has a bar go broke ??????????????

Toot - Nice photo. Here's my rails shot for the day.

Rail_Track-wallpaper-11119492.jpg

Later
 
Nice pic of the covered hoppers, Chet.
Pretty hard to notice much difference- at least to these old eyes.
 
No, that's Obamacare... All nice and legal--and mandatory.

Terry, That is only partially correct. It's the half-assed participation in the ACA that Is hurting people in states that are artificially creating conditions that make everything more expensive by not fully participating.

Obamacare North Carolina. The state of North Carolina currently does not have a state run health exchange where you can get quotes direct. Instead the federal health exchange will direct you to a number of approved insurance brokers / exchanges. These are privately owned and or publicly held for profit companies that you will be directed to.

I live in Maryland and our premiums have gone down, $12 per week this year and our coverage is the same. I have kept my Doctor and I take 7 prescriptions per month that cost me a total of $4.61.

Our Republican Governor here in Maryland went in another direction and actually strengthened Maryland's participation and funding! "Go to war miss Agnes!" The man is looking out for his constituents, not his party! No wonder we have one of the strongest if not the strongest economies in the country. Democrats control the legislature and the Republican Governor is reaching across the isle for the good of our state. it's amazing what can happen when you look for answers in the middle. Like Regan and Tip O'Neil or Clinton and Gingrich.

If I were to by cynical I would think some republicans are trying to raise costs intentionally to create animosity for political gain. Would they do that?

Would the United States Senate majority leader actually say in a memo to his colleagues "block any and all of Obama's legislation, even if it is good for the country"? Yes he would and he did!

When Nancy Regan coined the phrase "just say no" she was not talking about politics.
 
Regarding Medicare. It is great for recipients , but it is a major cause of the debt. Tax revenues for it from payroll taxes have never been enough to pay for the program.

Garry: Solution, raise the tax. Payroll taxes only cover Part A (Hospitalization). Part B is paid for by the participant, generally monthly, out of their retirement benefit. Part D is entirely paid for by the recipient, with government subsidy kicking in when one falls into the doughnut hole. Those subsidies are, at best minimal, as prescriptions cost the recipient more than when insurance was paying.

The "debt" is itself in question. Recently, there was an article in Bloomberg Business Week, where a Ivy League economist, pointed out that the deficit, (debt over reserves & projected revenue), was overstated, because our Gold Reserves are valued (by law), at $44.50/oz. Last time I looked, the market price of Gold, per Oz was over $1200....

Real reason for opposition to Obamacare, is that business doesn't want to pay their employees healthcare, nor do they want to pay their employees enough to afford private insurance. This is across the board, although more vocal from the Small Business community.

As you well know, a good accountant or statistician can spin wonders with figure, to obtain the desired conclusion. :rolleyes:

Heath Insurance Rates are not controlled by the Federal Government, but by the Insurance Carriers / State Regulators. That's across the board, in every product line, based on risk. In Jersey, there is little difference between the rate charged by the largest health insurer, for similar private plans and ACA plans. The difference is that if you had a pre-existing condition, they will not write a policy for you or your family. Obamacare takes on all comers. It's much like the JUA (High Risk) auto insurance scam that was running here in NJ when I came here. You were automatically placed in the high risk pool if you were new to the state, irrespective of your record, insurance experience , age, or creditworthiness. Agents received a hefty commission for placing you in the JUA, vs. placing you in a "market plan".

After I went on Medicare, I had to find health care insurance for my wife, until she was eligible for Medicare. This was before Obamacare was enacted. The private insurance rate, was $700/mo, for 60% coverage with a $2000 deductible, with an out of pocket limit of $10,000. Once they learned of her existing condition, (RA), they declined coverage. I was able to place her in a RR Union plan, with a $750 deductible, 60% coverage, and 10K out of pocket max for $400/mo. Not for nothing, this was pretty much paying for catastrophic coverage, as she really never met the deductible. When the ACA came in, she applied, and found the rate higher, and less coverage than the Union Plan. Prescription coverage was not an option, fortunately, Walmart honored the discount cards, and most of her meds were not name brand.

It may interest you to know, that the Gentleman from Kentucky, who recently failed to repeal the ACA in the Senate, receives the preponderance of his contributions from the Insurance Industry, Financial Industry and the Real Estate Industry. His bio indicates he is a career government operative, who never worked in the private sector, so has little knowledge of what other people have to do to live.

This is not meant to be political. I live in Jersey, and statistically, We are supposedly well off. However, I pay more than most others when it comes to Insurance, Utilities, and Property taxes, not to mention food and healthcare. We live on a budget, and I'm constantly looking for a better deal than what I have. I don't know how people less fortunate than we are can manage. I really get upset, when folk from "cheaper living" states complain about paying taxes, and helping others.
 
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Joe, don't forget that many of the cheaper living states also have lower income.
I've found,mafter moving all over the country, that a person's standard of living will be about the same percentage-wise, no matter what their pay or rent or taxes are. It all seems to even out, and the only ones that can do better seem to be the ones that bring their income with them when they move to a lower cost of living area.
 
Howdy. Arrived in Nashville

Only have a couple of minutes.

Joe. Thanks for all of your thoughts. My comments are based on my own research and analysis of government data. They are not from reading reports of others. Also not from any politician or any talk show knuckleheads .

I do agree payroll tax should be increased significantly. I also think retirement ages should be raised.

Thete must be reforms of Medicare and other programs to slow their growth rates. Revenues cant grow fast enough with 3% or less GDP growth. Health and Human Sevices grows 7% annually.

Cheers.
 
Good afternoon. The race at Pocono is over and It's time to move the rain birds again. Sitting at 90 degrees now.

I noticed a couple of new gopher holes in the lawn. They can be quite destructive so I fed them. Poison oats that I was able to get from a professional. The oats are laced with strychnine. Works really good. In about 10 minutes I saw flopping across the road into the neighbors pasture.

My wife heard on the radio that Trump is apparently upset a the congress for not getting anything done on the healthcare issue and threatened to retract their exemption from having to go on Obamacare. Wouldn't that be sweet . It's just wonderful that these people can exempt themselves from laws that affect the general public. I bet they would come up with something in short order.

Later
 
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My wife hear on the radio that Trump is apparently upset a the congress for not getting anything done on the healthcare issue and threatened to retract their exemption from having to go on Obamacare. Wouldn't that be sweet . It's just wonderful that these people can exempt themselves from laws that affect the general public. I bet they would come up with something in short order.

Later

My wife read that on Facebook earlier today. Wouldn't that be great. I have advocated for that for a long time. Even though I am now on Medicare and don't need ObummerCare, I still think that we are all equals.

Willie
 
Good evening. Clear and 70*F in my corner of the "free" state.

I'm staying out of the healthcare debate other than saying I, too, believe that the people in Congress should be made to play by the same ******* rules as the people they're suppose to represent.

Joe and Chet, thanks so much for your positive comments about my tree photo!

I spent the majority of today's daylight hours outside, mowing the lawn and doing other special landscaping chores requested by SWMBO. By the end of the evening meal, it was getting dark outside so I couldn't do anything aerosol-oriented, such as applying spray adhesive or pre-painting more tree armatures. That pretty much put an end to any planned scenery activities for the rest of today. Now I'm seriously thinking about acquiring a portable spray painting booth similar to the one Eric got.

In other news...

My dwelling is now officially "green"...sort-of. The electric company (BGE) installed solar panels on the south-facing side of our roof on Friday, didn't cost us a cent! They are under serious pressure from the State of Maryland to produce 25% of their power from solar or wind sources by the year 2020, so in exchange for letting them have solar panels on our roof [whose power goes back onto the Grid], we get reimbursed for whatever the panels generate. They won't produce quite enough to match all of my family's power typical power usage, but they will significantly reduce our monthly electric bill. Now we just have to wait for the County Electrical Inspector to give his blessing before BGE lets us turn the switch on...
 
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For those that might have noticed my ramblings the other day about our NBN install last week, from which we have since, had no fixed line phone access, I have managed to get contact with someone (still in the sub-continent or another part of the world) and was told that the phone has to be plugged into the back of the modem to get it to operate, which is the exact opposite to the DSL/ADSL2 we have been operating on since having desktop computers. Where our main base station phone (Dect) is, is in the lounge, along with it's combined answering machine. The computers are in a converted back bedroom, and the modem, which also needs to be connected to the fixed line, is where modems normally are, with the computers. Couldn't get it through this guy's head that there is no way I'm having the phone back there. I asked him if all I needed in this case was a return line, from the modem, back to the lounge, so the phone could stay up there. All I could get was that the phone had to be connected into the *out* plug on the modem. I asked him to get an actual installation technician to call me on my cell tomorrow in order to confirm and if so, get a line put in. I doubt if even I could speak his language, I would have got anywhere, so I hung up. I'll try the sales dept instead of faults tomorrow. At least that should be here in Australia. (probably get an Eskimo)
 
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