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Happy Thanksgiving

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The Bottom Line

Let’s try to be thankful for all that we do have and not just because of this one day a year where we fill up on enough turkey to put us to sleep. You don’t have to look too far to find something to complain about or something you don’t have. It’s easy to see what we lack and harder to count our blessings. And the blessings worth treasuring are not monetary, but the loved ones that are in our life whether they are family or close friends. There’s a lot to be grateful for and it usually begins at home.



William Blake



 

 

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The Major Pitfalls of Obtaining Your Own Health Insurance

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I try to stay positive on this site, but my recent health care fiasco left me struggling to take deep breaths to calm down, attempting not to scream as a result of my frustration.

I recently transitioned from working full time for an employer to becoming my own boss. It’s had its ups and downs for sure. The work, at least initially, can be sporadic, so it’s difficult to determine specifically how much you’ll actually make monthly much less annually. The first year of self-employment is not as steady as the second year, I’m told. I certainly hope so.

stethoscope-on-moneyI found that I make too much money to qualify for Medi-Cal, which is not a bad problem to have. Yet, because there is still three months remaining in the year, and having just started my freelance practice, I cannot accurately predict how much I stand to make. So, I’ve been searching for a health plan that fits my wallet, and I wanted to be reasonably conservative.

Going cheap definitely has its pitfalls. I was asked how often I go to the doctor, but the plan that was the most attractive in terms of cost only gave me the option (and hope) to visit one up to two times within one calendar year. The insurance plans that are most affordable to healthy young adults include incredibly high deductibles. In other words, you basically don’t really have insurance. Often times you are required to pay $2,000 or more out of pocket within the year before your benefit finally kicks in. Say What?! Read the rest of this entry »

RIP Joan Rivers

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A very sad day to have lost another beautiful human being with so much spirit. She gave the world so much and refused to quit.

She left us all better people.

She left her humor and laughter and spunk. She wasn’t ordinary and that is why there will never be another Joan Rivers.



Joan Rivers



 

THE EDITOR'S JOURNAL

Joan-Rivers-Black-White-photo001Look in a dictionary under ‘relentless’, ‘energy’, ‘ incredible’ or ‘professional’ and there you will find a pic of Ms Joan Rivers. 1933 – 2014.

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A Labor Day Tribute: Giving Gratitude to Those Who Fought for Worker’s Rights

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Peter-j-mcguireAccording to the U.S. Department of Labor, there remains speculation over which McGuire (or is it Maguire?) is to credit for the start of Labor Day. New evidence suggests it was Matthew Maguire, though many still believe it was Peter McGuire.

While Matthew Maguire was the secretary of the New York Labor Union in 1882 and led a strike in 1870 with the intended goal of making union leaders aware of the harsh long work hours, most historians say Labor Day was the idea of Peter McGuire. He was the general secretary of the Brotherhood of Carpenters and Joiners and a co-founder of the American Federation of Labor, and is said to have first suggested a day to honor those “who from rude nature have delved and carved all the grandeur we behold.” Read the rest of this entry »

When The Going Gets Tough…Get TOUGHER!

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Have you ever heard of the sunk cost principle? It is business terminology that refers to how much time, money and resources one has invested that can no longer be recovered. It’s gone, baby, and there’s nothing you can do about it. So move on.

According to a University of Scranton, research found that just 8 percent of individuals actually achieve their New Year’s goals. The study showed that our brains are unable to process large lists, therefore making them counter-productive to our accomplishments. When you begin making an extremely long list, a Forbes article states that attempting to always knock the ball out of the park can be “psychologically daunting.”

Journalist and author of Mind Over Mind suggest keeping resolution lists shorter. While we’re still have more than half a year to go to reach Jan. 1, it is for certain that we all have at least one goal we’d like to have come to fruition next year. There is nothing wrong with having a dozen or so goals on your “to do list,” but have you reached a point where you feel like throwing in the towel? Read the rest of this entry »