Tuesday, November 01, 2016

How to Estimate Affordable Care Act Insurance Premiums (AKA Obamacare) Using https://www.healthcare.gov/see-plans/

How to Estimate Affordable Care Act Insurance Premiums (AKA Obamacare) Using https://www.healthcare.gov/see-plans/

Remember the initial chaos of the poorly-designed healthcare.gov Website? Well, overall, it is a lot better. But it's also really, really stupid in places.

Not everyone who wants to know how much health insurance will cost is necessarily going to be buying now. And it is now excessively difficult to figure out how to estimate your potential healthcare costs on the site.

There was no link for "estimating costs" so I just went through and opened an account, which was a huge waste of time.

After going through most of the motions, I called their helpline (you can't E-mail their helpline...sigh) and after a 16 minute wait, spoke to a very nice person...who had me make a few searches....none of which found anything helpful about estimating premium costs.

But, luckily, the helpline woman figured out the right URL pretty quickly even if it wasn't findable from search or the home page of healthcare.gov. She provided friendly and fairly fast customer service, but this should have been obvious information for her to have.

Any Website should make it easy to find things. The fact that "estimating premium costs" was not a findable search term on healthcare.gov means the people who developed the Website (which is otherwise pretty good) aren't thinking about search terms and didn't run thorough user testing.

Granted, you can't put every possible task on the top toolbar, but "Estimating Costs" is a very important concept for people looking for insurance.

So if you just want to estimate the cost of an ACA insurance plan for your state and age, go to: https://www.healthcare.gov/see-plans/. That provides all the information you need, and the information you need to provide is much less than the info for opening an account.


Saturday, September 24, 2016

Trump Will Fail Debate - He Can't Get Past These Already Debunked Lies

This was the single most brilliant move by the Clinton campaign - to release a catalog of many (but probably not all) of Trump's lies just before the "debate:" 19 Pages of Trump's Lies, as of September 23, 2016 #ImWithHer #NeverVoteRepublican

Monday, August 08, 2016

Leavetakings - July 2016

July 2016 was a month of leavetakings, the happy and the sad.

We had long encouraged our daughter to move out, but we tried not to nag about it too much. She's 35 and really should be out on her own. Suddenly in June, she said she was starting to look for a place. It turns out she had a good reason for her long delay - she wanted to save at least a year's worth of rent before moving out. Leslie found an apartment that was even closer to her work than we are. So by July 8, she had moved out. She has us out to her place every Sunday night for dinner. So this was a happy leavetaking as we were all ready for her to be out on her own.

And then my mother died on Tuesday, July 26.

This was not unexpected. She was 86, had had breast cancer twice over the last few years, and was diagnosed with terminal bone cancer in February. Mom was an extraordinarily anxious person but took this news with equanimity. Not to say she was never anxious about anything in the intervening months. She had had a stillbirth in about 1961 and had some overpowering episodes of guilt over it this year. It was strange because she'd talked about her miscarriages (she had 3 before me) and the stillbirth pretty matter-of-factly while I was growing up. She talked some to the ministers at her church about it and she wrote a short poem about the baby and had it put in her casket.

My mother had a lot of support over the last few months, from our family (especially my brother Terry and sister-in-law Jess with whom Mom lived), from Jewish Home Hospice, and from the ministers at the First Congregational Church in West Boylston, particularly Steven Small and Chip Hurd. She was able to die at home which had been her hope.

Mom was really the first person I was very close to who's died, which seems like an odd thing to say when you're almost 60. While we visited our grandparents and other older relatives while I was growing up (and even lived with her parents for a few months when I was around three), I really never felt that close to them. But I lived with Mom for 18 years and while we fought we were close. We talked a lot about everything. We were both non-crafty, loved to read and write and really enjoyed food especially really sharp cheddar cheese and chocolate. We preferred comfortable clothes (though when Mom was young, she was thin and dressed more glamorously). We had kind of a morbid sense of humor and sarcasm (though Dad is still very much like that). I last saw her about three weeks before her death and she would still joke "I'm still here..."

She had a few scary health episodes this year, particularly in the last two months of her life. She got a little cold in late May, at a time when Jim and I and my brother Jeff were en route for a planned visit. When we got there she was having trouble breathing and was using a nebulizer. But she rallied; the next day she was feeling better. However, she was then pretty much bed-bound for the rest of her life. I was up visiting in early July and came over to find her napping but breathing very shallowly. Her aide was concerned about that too. But about a half hour later, she gradually woke up, and after about 10 minutes, she became quite alert and we had a wonderful talk. In doing some cleaning, I'd found a trunk of hers we'd been looking for for years. It had a lot of fascinating old family stuff in it, including some photos of her I'd never seen, her stepmother's nursing certificates and a hooked hanging, trim from her grandmother's wedding gown and her father's baby cap. I was so glad to show her a few things that afternoon.

Which turned out to be the last time I ever spoke to her.

Mom had written her own obituary and planned her funeral, so we didn't have to do very much other then be there.

The funeral was on Saturday, July 30. It was a very hot day in Central Massachusetts. Chip, the associate minister, led most of the service, but Steven, the longtime minister, came down from his vacation in New Hampshire to participate as well. Over 200 people came. She had a simple and musical service. While she didn't want a eulogy, Chip gave her a very warm and mostly accurate one (though did skip over her sarcasm, but that had toned down a bit over the last few months).

She was interred in her family's plot in Vermont the following Monday. It was cool and sprinkling early. Her cousins were there, and some of their children, and a few of us had breakfast at her favorite place, the Miss Lyndonville Diner. But it started to rain torentially just before the service. I felt sorry for Steven who wore a full ministerial gown that morning and was drenched despite the tent over the gravesite. She was buried beside her father (whom she outlived by nearly 50 years), mother (outlived by 77 years), step-mother (outlived by nearly 25 years) and other relatives.

We were a little lucky that she died when she did. Despite having bone cancer, she didn't have much pain until the last few weeks. On top of her other health problems, she'd had a very gradual dementia over the last 10 years or so. But she never forgot her family, or close friends, her past, or that she'd lived a pretty interesting life for the classic '50s woman. And I'm glad about that.

Thursday, June 02, 2016

An Essay By My Mother, 1962: A Young Mother's Story

[[My mother, Ruth Shonyo Trask, is a free-lance writer who spent over 20 years working for the WPI Journal as a writer and an editor. She wrote this in 1962 when she was in her early 30s. While my father recently unearthed this essay after many decades of being MIA, the last page has not been found.]]

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Carrie, Ruth, Jeff, Laurie
1962
All our books on child development and psychology have been relegated to the deepest part of the closet. Time was when they were referred to daily. As an inexperienced, first-time mother it was reassuring for me to have an expert as close as the nearest book shelf. Now, after five years and three babies, I have finally decided that in child rearing, it is better to play it by ear.

According to the books, Laurie, our first-born, was almost certainly doomed to physical or mental retardation. Perhaps both. At age one she had not yet sat up alone. She had not creeped. She rolled. She was placid, sometimes almost to the point of inertia. She rarely uttered an intelligible syllable. After reading what the "average" child her age was doing, I began to be frightened.

The family doctor assured me that there was nothing to be worried about. But being an anxious, expert-oriented mother, I continued to worry until at least 18 months our "little laggard" finally took her first step. She hasn't stopped going of growing since.

Now, at five, she is a peppy, straight-backed extrovert whose strong will, emotions and off-beat humor are both our pleasure and our bane. Her exposes of family conversations keep us on tenderhooks.

Recently a very punctual professor friend who had suffered a heart attack was nearly an hour late for lunch. We phoned him repeatedly, but there was no answer. "Oh," I moaned, "I hope he hasn't had another heart attack - or something worse."

A few minutes later he rang the doorbell and Laurie greeted him with, "Why, Uncle Claude, aren't you dead yet?" (Luckily, he has a sense of humor.) [[Note from Laurie in 2016: I remember that day. He had a great laugh over it.]]

Anyway, since age one, Laurie has leaned to communicate. Sometimes only too well.

After Laurie came Carrie, 4, and Jeff, 3. Although, of necessity, the household was busier than ever, I did try to follow the book's advice, particularly in the matter of discipline. Nothing can be more frustrating, especially when the experts say:

    "Never Spank a Child. Reason with Him."

On the surface this sounds fine. I always tell my children what they are being punished for and why they should not do what they are doing. Then I ask them if they understand. This often works with the older youngsters. But trying to "reason" with a two year old when he is doing something dangerous (like darting out in front of an oncoming car) is utterly ridiculous. A sharp, open-handed spank kept our Jeff out of the road at two and today at three (the beginning of the "Age of Reason") he more clearly understands why he must be careful. The spanks are now few and far between.

On one point I heartily agree with the experts, but purely for practical reasons. In our case banishing the children to their rooms is to no avail as a punishment. They simply unlock their first floor window and slide down the bulkhead as soon as my back is turned!

If, after reasoning, et.c. the older girls continue to misbehave, warming their derrieres is still effective. Actually the worst punishment for them is taking away of special privileges. (Bribery in reverse.)

    "Never Bribe a Child to Make Him Behave."

In theory this seems sound and is aimed a eliminating the child's mistaken notion throughout life "If I'm good, somehow I'll get paid for it." There is an age, I am sure, when children can be successfully taught that "Vriture is its own reward." For most pre-schoolers (especially mine!) that concept is utterly incomprehensible. If giving a timid child a pressed leaf to take to Sunday School will get him there without the usual fuss, it seems sensible to do so. The dentist's "Good Patient" balloon lure our little ones in for a cleaning with hardly a murmur of dissent. Perhaps I should feel guilty but I just feel grateful. When they are older and more able to understand, they can elarn the adult idea of being good for goodness' sake.

    "Never Let Your Child Violate the Rights of Others."

Nearly everyone wants his child to respect the rights of his family and friends. Practically nobody wants him to be the bleak bully, the instigator of every neighborhood free-for-all. But after a pre-schooler has had his own rights violated it seems grossly unfair if he is severely reprimanded when he fights back. Naturally such altercations should be limited. No bites, sticks, or stones, please!

Our eldest is sometimes a too vigorous protector of her rights while the younger ones often let others take advantage of them. Some day they will have to learn to take their place in life without being pushed aside. Again, as they grown older, they will all learn, I hope, that good humor and common sense are better defenders than fists.

    "Never Let Your Child Feel Insecure."

Unfortunately this chestnut has led many innocent parents (myself included) into a maze of trouble. We are drawn into overindulgence of the grossest kind. We are so afraid that our children might undergo a moment's insecurity that we are constantly at their beck and call, give them expensive gifts, pre-plan too much of their time, fight their fights, and in the process erroneously teach them that life is one great featherbed of togetherness. What a shock when they get out into world and discover they aren't the only pepples on the beach!

I believe that if we truly love our children and demonstrate our love verbally or with a pat on the head, that coupled with the providing of the basic necessities and a disciplined, decent home atmosphere is all that should be expected of us parents. From such an encouraging climate there could emerge a sensible brand of "security;" a security which allows for some individual independence.

    "Never Break a Promise to Your Child."

This, of course, goes hand in hand with the "security" problem. The idea seems to be that if enough promises are broken the child is bound to be insecure. Theoretically this is probably true.

However, in practice, it is sometimes impossible to keep every promise. Conditions change. The bicycle promised in September may be an economic impossibility by Christmas. If such an unhappy occasion arises, a reasonable explanation is in order.

Perhaps the best way to get around the "promising" block is to try to keep promises at a minimum and, most of all, to keep them. We are having better luck with the "We'll see" tactic which does offer some hope of fulfillment without the ensnarement of a real promise. [[Note from Laurie in 2016: I agree with an awful lot of what my mother wrote in this essay, but I hated "we'll see" because they did use it quite a lot in childhood, especially my father. From an early age, I thought of this as the "parental indefinite." When we had Leslie, I avoided it as much as possible, though I tended to do many of the things Mom recommended here - read childrearing books to a point then did what seemed sensible.]]

Actually if things do not always turn out as expected by our children, it may be all to the good. It teaches them at an early age that life is unpredictable and that they will have to accept the bitter with the sweet.

Enough of books and experts! They are fine for occasional reference but often misleading and unnerving as a daily diet.

We parents must lear to fend for ourselves and use the system that works best in raising our particular families. Most of all, we should remember that we are...[[[Note from Laurie in 2016: Page 5 lost]]

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[[Almost anyone who knows me know would agree with the observations Mom made about me back in 1962. I am a trifle mellower at least. My mother died on July 26, 2016.]]