Category Archives: Life

Is It Time to Cut the Cable?

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Cable is so Expensive

Now that I’m one of the retired community I’ve been looking for ways to cut my expenses with the least possible impact on my lifestyle. I’m waiting patiently for the real estate world to recover from the Interest increases so that my retirement account will get healthy again. But  one of my biggest monthly expenses is cable. I have the Bundle which is supposed to save me money but it just keeps going up. Even worse is that there is nothing on TV . I watch only about 5-6 channels  and can probably do the narrations on each program since they are all re-runs. I can’t cut out those unused channels because then I would lose the package with the ones I do watch. 

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The phone is part of the package but I get so many spam calls that I shut the ringer off. When I see the message light I check it but other than that it just takes up space on my desk. We all want to remember to get the car warranty updated, right? Everyone uses my cell phone.

 

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stock image

Step 1

Photo credit- Deb Neumann

I started the process a couple of weeks ago when I found a sale on Roku TV’s. For $99 I was able to order a nice TV for the bedroom. I need Forensic Files on when I try to go to sleep. My old TV couldn’t stream so a new TV was needed. That worked out great. The new TV even has an easy to set sleep timer. So far it’s been working great.

Step 2

Now that I’ve figured out the new TV, I took the 2nd step. I upgraded my HULU account to add Live TV.  Then I switched back and forth between cable and Streaming to be sure the Live TV matched what was on the cable. It did! I’m going to see if I can handle streaming only for about a week. I don’t see a “guide” on the streaming platform so I’m probably just not familiar with it yet. Anyway, if it goes well I will turn off the cable and phone next week. I will keep the internet.

Step 3

So as I said, If all goes well I’ll be cable and phone free next week. Then I’ll turn in the cable boxes (That’s $20 just for the box rental) My cable company will want their modem back since it’s a phone and internet modem so I think I’ll buy my own internet modem and then the transition will be complete

Techniclor Formerly RCA TC8305C Wireless Gateway 802.11b/g/n GigaPort x 4 Port Router w/ 2-Voice Lines XFINITY/COMCAST

Image of modem

Almost There

So I’ll let everyone know how it goes. If I decide to finish the final steps it should save me about $100 a month. Hulu is $70 and includes Disney Plus which I’ve been paying extra for. I’m not sure how much internet alone costs but I’m guessing it’s probably around $80 / mo. So that’s $150/ mo. instead of the $250 per mo. I’ve been paying. That kind of savings certainly makes this experiment worthwhile.

I’ve checked the channel list on HULU and all of the channels I watch are there. Just have to figure out how to tell what’s on the schedule, I’m so used to scrolling the channel guide! 

The Retired Life

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A Day or Week in the Retired Life

A friend of mine once told me he had to retire because he had so many doctor appointments it was the only way he had time to keep them all.  I’m beginning to see what he meant. It was a  celebration when I finally got my insurance straightened out- Medicare parts A & B and an Advantage plan with my old insurance company, Aetna, Now it’s time to reschedule all of the appointments I missed while I was uninsured. 

Aetna seems to be afraid that I’m going to croak on them or something. They call me 2-3 times per week to see if I have any questions. They sent a visiting nurse to my home to check on me. And they email me every day! Oh and did I mention the letters? They’ve killed a few trees to stay in touch. 

As for appointments I’ve had an annual physical, am scheduled for blood work, scheduled an eye exam and a mammogram. My doctor suggested a follow up with my pulmonary guy, my nephrologist and my hematologist. She  tossed in a vascular specialist for good measure so I put my foot down. 

Update on the Cable Decision

I got my tax refund so I felt comfortable taking $100 to buy a Roku TV. It was so easy to set up. Just plug it in to an outlet and sign into my streaming accounts. I still have my old TV hooked up to cable but so far I don’t see any reason to keep it up. I have a couple of  my shows that will be adding new episodes so I just want to see how quickly the new ones hit the stream. If its a couple of days I won’t even add a live TV option. I’ll just stream what I have.

photo credit- Deb Neumann

 

Only Murders in the Building

The first day I had the new TV hooked up I checked out  the Hulu Original, “Only Murders in the Building” and ended up binge watching all the episodes.  So I think this may work out well. I’ll keep you posted.

 

Happy Saturday

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It’s Saturday!

Yes I know Saturday is a post day but I didn’t do one this week. I had planned to wrap up the Natural Wonders series but I got distracted. I’m not sure on what. I don’t feel like I accomplished anything this week. but there it is. Saturday morning and nothing to say!  Not that it’s an excuse but I did spend over 2 hours yesterday at the dentist. I had a cleaning first then tons of impressions for my 2 implants. I left the office with a very sore mouth and $1000 poorer.  The good thing is that we are in the home stretch. I should get the finished product in my next visit. 

Mix of zirconia dental implants technical picture | Picture … | Flickr

The Storm

All week the weather folks have been going nuts about the BIG storm. 

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Maybe the north and west got it but doesn’t look like much here so far. When I got up it looked like we might have gotten an inch of snow and some ice. The temps have risen now and it’s rain and all the ice seems to have melted.  It looks like its going to be one of those gray, dull days with lots of rain. I think I’ll snuggle in with a book and be lazy all day.

Banner & Balboa

Photo Credit- Deb Neumann

Both cats seem to agree with me. Usually after they have breakfast they run and chase like crazy until I finish with my emails and morning ritual on the computer. Today they are both just draped over the furniture. 

Balboa- Photo credit Deb Neumann

They are waiting for their morning treats. Maybe once I give them those they will get the morning crazies. Then again, maybe they see it as a lazy day too. 

Nothing to see here

When the boys roll up at area 51 : r/southpark

 

So sorry I have nothing exciting to report this week. I’m happy we are into March. That means that spring is approaching. Maybe there will be some day trips once we get some sunshine. Something to look forward to. Catch ya all later!

 

Progress on My New Life

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Making Progress

Isn’t it amazing how much progress you can make when given the right information? I finally got the information on COBRA from my former employer, a month to the day after they laid me off. Plus it was 18 pages of small print! My company insurance ended 11/30 so I’ve been uninsured since then. That can get expensive fast as I just had to pay full price for 2 prescriptions. They came to almost $350.00.

Medicare

I have Medicare Part A. I’ve had that since I turned 65 but I never added anything else since I had insurance through my employer. I got laid off in the middle of “Open Enrollment” so there were a lot of resources out there. Each one gave you different advice/information.  I did learn that I had to add Part B before I could get in an Advantage Plan. Thus began a frustrating quest to get signed up for Part B. 

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The advice was to sign up online. One advisor even walked me through the links to get to the application. No luck. They system said my information on file was different from what I entered. That was the last straw. I took myself down to our local Social Security office and got in line.

Social Security

 

The wait turned into 2 hours for about 10 minutes with the social security representative. My meeting was quick because she just told me I couldn’t sign up online and handed me a form that my (former) employer had to complete stating they had been providing insurance and the effective dates.  So It’s back to Redfin again. Until I get that Part B coverage . No Advantage yet.

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The Form

I must give credit where credit is due. Redfin set up a “Transitional Assistance Team” and provided an email, I sent the form to that email and got an immediate response. They sent to the Benefits Team. I expected that to take a few days but no,  they got the completed form to me the same day! I printed it out sent it off to Social Security immediately. Fingers crossed they are quick.

COBRA

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It all depends on how quick Social Security moves but if they get me my new card, I can select just dental coverage through COBRA and keep that a couple of months while we finish up my implants.  By being able to select the coverage I want it becomes much more affordable.

Life Insurance

I never considered Life Insurance as I had plenty through my work. Now I had none and being old and diabetic made me high risk. You’d think I was going to die tomorrow!  After collecting my denial letters I lowered my expectations and picked up a small policy to cover burial/ cremation expenses. No memorial service, no urn. My poor family will get handed a baggie of cinders.

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Still to Do

The insurance was the BIG item on my list but the only other thing I can think of is to close out my 401K. There’s not much in there as I’d shifted my attention to buying stock. My investment (Stock) account, which was my retirement, has to sit until the stock market recovers.  I kept investing even as the stock price fell because you buy low and sell high. Right?  I’m optimistic about the future of that account once this recession is past. 

 

What a Week!

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What a Week It’s Been!

I wish every week was as productive  as it’s been this week Not that it wasn’t without aggravation but lets go over the week one thing at a time.

Kitchen Faucet

Remember that nasty, rusted kitchen faucet? Well my contractor, finally,

was able to squeeze me in between big jobs. After all replacing a faucet is a little job and I feel lucky that I found someone to do it. Most of the plumbers I called didn’t even bother to call me back and if they did they said they’d “Let me know”. Never heard from them again. Well here’s my before and after photos. Love my new Faucet. It solved the water pressure issue that I thought was in the building and finally I have a spray that works! I even like to way the new faucet blends with the décor. The bronze matches the drawer fixtures. 

Stove

I may have mentioned that when I went to Home Depot to pick up the faucet that I also ordered a a new gas stove. It has a grill on top and air fryer setting and convection oven. It’s gorgeous but it scares me. I have a lot to learn about this.  I guess it was sort of like going to the grocery store when you’re hungry. You buy things! Anyway Home Depot delivers but they don’t install. Now imagine how hard it is to get a gas certified plumber to come out not once, but twice. They need to disconnect the old stove, leave it and come back once the new stove is delivered and hook that one up.


I found the plumber through my HOA as they are doing a lot of Gas work in the other building in my condo complex. I was surprised when he said he could do it without any push back! More than surprised, I was thrilled. The only  fly in the ointment was that Home Depot wouldn’t give me the delivery window, just the day that they were coming out. I was promised an email and a phone call. I got neither so I made a nuisance of myself calling their delivery hot line. 

Home Depot Scheduling

Finally at 3 pm on Friday they gave me a delivery window of 7-11 am on Saturday!  Sent a quick text to the plumber who said nope- all booked. can’t do it. Push it out a week!

I reminded him that I had our texts with the date of delivery. I just didn’t have the times until Home Depot got around to scheduling the delivery. He must have found the text or felt guilty because he came through with one of his employees.

The plumber’s assistant ( I can’t call him a Plumbers Helper    Plunger - Wikipedia   ) was removing the old stove when I got a call from the delivery team. They were 30 minutes out, Perfect Timing. They brought the new stove in with an ingenious system of belts and took the old stove out the same way. PA (Plumbers Assistant) had just come back from a supply run and walked in as the HD team was leaving.  He hooked up the new stove and was out the door. All done by 9:30 am!

 

Table

The last home improvement was my dining room table. Its over 25 years old so I guess it’s an antique. It’s part of a set with a big hutch and dry sink so I really didn’t want to replace it but it was getting very wobbly. I’d tried tightening the legs from under the table but that didn’t work so before the PA left he helped me flip the table over. I grabbed a pair of pliers and went to work on the bolts holding the legs in place.  My neighbor helped me flip it back onto its feet. One thing about living in a condo, there’s always someone around. 

 

Finally

 I’m pretty pleased with my week. A new faucet, a new stove and my table as good as new.  And I even had time to explore another vacation option. I’ll tell you all about that in another post. Get ready for Santa Fe.

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