Avoiding political views on our site…Not always easy…

View from our front porch while we stayed in Falmouth, England, in August 2019.

We both agree that each individual has a right to their opinions, regardless of how controversial their preferred topics may be today. At one time, we could sit around a dinner table, sharing our views while others listened attentively. But no more.

Times have changed, and we are best to keep our controversial opinions to ourselves to avoid offending others and appearing to impose our views on those with conflicting views. Then again, there are situations in which we may find ourselves in the presence of others whom we know think as we do, creating an open forum to discuss our views. But, in today’s world, these situations are few. Instead, many of us keep our opinions to ourselves.

I often review the world news, searching for a topic for the day’s post, but I find most stories reflect a viewpoint that may be construed as political and contrary to the views of many of our readers. As a result, we avoid such articles and subsequent stories to maintain our stance of staying neutral in our posts over 11 years later.

It’s a challenge avoiding expressing our views when most topics in today’s world are considered to have a political bent of one source or another. Each time I sit down to prepare the day’s post, on many occasions, I start to write, only to find myself abruptly stopping and deleting everything I’ve written so far, feeling the topic is too controversial for our site.

Over the years, we’ve promised our readers we’d stay neutral and have strived to maintain that stance. When talking in a group about our site, we often say we avoid discussing politics, religion, and sex, three taboo topics in this type of venue.

In 2020, while India was in lockdown, varying views about COVID-19 and other topics became more glaring than ever. We were at a loss for content. After all, we had no exciting activities during that time. The highlight of our days consisted of my walking the corridors for exercise to the tune of 5 miles, 8 km each day, while Tom ran up and down the stairs to the parking garage.

During that time, I perused Facebook for longer periods than I’d ever done in the past. But, during that period, I found many Facebook posts that consisted of hateful opinions and vitriol. Sure, we were all confined and frustrated, but I couldn’t justify hatefulness regarding the views of others, especially those who disagreed with the opinions of many others.

It was during that time I was bursting at the seams to express my views on seeing hateful posts on Facebook, and I prepared one of our posts  on March 30, 2020, with the heading reading,

“Please “unfriend me” if…Social media during lockdown…”

(Click on the above heading to read that post).

I don’t promote adding more friends to my Facebook account. Overall, I preferred to keep the number of “friends” on my profile to a minimum to avoid it becoming overwhelming, keeping up with many people I didn’t know, their photos, and their birthdays. However, I have welcomed some of our readers who have invited me to become a friend.

Uploading that post during that problematic time brought me considerable relief to have expressed my views on this topic. As I’ve mentioned, we seldom run across any “haters” and prefer to keep it that way. Subsequently, we keep many of our views to ourselves.

Thank you to all of our readers for keeping our site kind, friendly, and considerate, with pleasant and meaningful comments and email messages. We promise to continue on the path of keeping our site neutral and unencumbered by contentious and controversial opinions.

Be well.

Photo from ten years ago today, January 18, 2014:

We ducked our heads under Casper’s chin. Our faces hurt from smiling while we were with the two Elephants at the Elephant Sanctuary. After our experiences the prior day in Kruger National Park, learning more about these massive animals was timely. For more photos, please click here.

What’s preventing us from planning more world travels right now?…

A go-away bird standing on the veranda railing. There are multiple matches for go-away birds, including the grey go-away bird and the white-bellied go-away bird. The grey go-away bird (Corythaixoides concolor) is a turaco family member and native to southern Africa. It’s also known as the grey lourie, or kwêvoël. The grey go-away bird is gray with a black beak and a pink gape. It’s a social bird that lives in groups of up to 30 birds. The grey go-away bird is named for its alarm call, “Kuh-wê!”, which sounds like “Go Away!”. It’s thought to alert other species to the presence of predators or other dangers, such as hunters. The grey go-away bird’s diet is mainly fruit (such as wild figs and berries), flowers, buds, leaves, termites, and snails

When we first decided to come to Nevada when my Afib medication was running out, we thought we’d come to Nevada to get the two prescriptions filled and for me to see a US cardiologist to run another echocardiogram to confirm the diagnosis I received from the cardiologist in Ecuador, revealing I have mitral valve and tricuspid valve regurgitation that needs surgery before too long.

Since this surgery would result in another open heart surgery, we took this diagnosis very seriously since I didn’t want to go through that again after my prior awful experience, requiring over a year to recover. We knew a second opinion and decision on insurance was vital for the future.

Now that I have applied for Medicare Part B (still waiting to hear if it has been processed) and a supplement, Part G has been approved, I had to decide where I’d like to have the echocardiogram and have a prognosis evaluated. After we arrived here, and after considerable thought and discussion, I decided to wait until we got to Arizona to go to the Mayo Clinic for a second opinion.

Once I have the confirmation that my Part B is in place and I receive the Medicare card with an account number, I will contact the Mayo Clinic in Scottsdale, Arizona, and make the appointment for sometime in April or May before we then head to California to see my sister and then off to Minnesota to see our kids and grandkids.

Regardless of our results, we’ll still head to Marloth Park on June 15, 2024. If I need surgery, we’ll return to the US for the operation after we’re done in South Africa if I decide I am willing to have the surgery. I want to go to the Cleveland Clinic in Cleveland, Ohio, the top valve repair facility in the world.

Fortunately, since we can live anywhere based on our homeless lifestyle that we so choose, most likely, we’ll rent a holiday home in Cleveland and stay long enough for the surgery and recover enough to continue in our world travels.

If the Mayo Clinic evaluation determines I don’t need surgery since I have no symptoms in Arizona and Minnesota, we’ll begin with future world travel plans. Of course, we’re both hoping for this case. There’s no way I want Tom to go through what he did caring for me in 2019. It was an awful 24-hour-a-day scenario for many months. With my chosen Medicare plan, a rehab facility is an option for the first three to four weeks, the worst part of recovery.

Also, Cleveland Clinic’s recovery facility provides lots of physical therapy, a must after such surgery, which wasn’t available in South Africa then.

That’s a lot on my mind, but for now, I’ve chosen not to worry and to enjoy each day; I’m grateful for feeling so well. Now that we’ve both recovered from the virus with the cough (not Covid), nothing can stop me now. My new workout shoes arrived yesterday and fit perfectly.

I look forward to working out daily to increase my strength and stamina.

Now that I’ve lost 24 pounds, with only three pounds away from my goal, and am working out again, after only doing so intermittently over the past 11-plus years, I am building up enough strength to walk in most environments. My only concern is walking in Marloth Park with uneven dirt roads. I heard about a woman there who has a fitness center in her home, which can be used for a small fee. If I could use that, I would be able to maintain my new level of fitness.

In Arizona and Minnesota, both locations where we’ll stay have fitness centers. If I have access to a bike or treadmill and some weights, that’s all I’ll need to maintain the progress I am now building. Before we began traveling, I had worked out most of my life since I was 16, staying slim, healthy, and fit. It is time to return to that progress, and I am not letting my age or health conditions be a deterrent.

Be well.

Photo from ten years ago today, January 17, 2014:

Wow! They kept coming until 30 to 40 elephants had crossed. They continued in a steady stream. What a sight! For more photos, please click here.

What???…No rental car???…How are we managing that?…

Beautiful scenery on the Big Island, Hawaii, in January 2015.

When Tom returned from Chicago, Illinois, on January 10, he didn’t pick up another rental car. Instead, he took an Uber back to the condo in Lake Las Vegas. Before he left, we did some cost comparisons, considering traveling to Henderson for dinner with Richard, shopping, and any other trips we may need to make using Uber instead of renting a vehicle at the airport.

At an average total cost for 28 days of $800. The daily cost, including taxes and fees, plus fuel, is $29 per day. For the sake of ease, let’s say a rental car’s total daily cost is $30. The average round trip cost using Uber (including tax and tip) for anywhere we’d go is $60.

Most likely, with all the shops and restaurants down one flight of stairs from the corridor on our floor, it’s unlikely we’d go anywhere more than once a week, thus incurring a cost of $60 each time. Using Uber once a week for four weeks is $240 instead of the $800 rental fee, saving us $560 every four weeks.

With almost 12 weeks remaining since he dropped off the car on January 9, considering three four-week periods, we’ll save $1680 when we leave here on March 31, 2024. When we had a car for the first few weeks, it sat in the parking ramp, mostly unused.

Buying all of our groceries online from Smith’s Marketplace (using Instacart Boost shipping) and any other items we need online, and with the availability of the wonderful Season’s Market down those steps with a three-minute walk, we certainly don’t need a car for shopping.

Plus, the many restaurants within walking distance, one of which we’ll visit this weekend, located at the bottom of the steps, the only times we’ll need to go out is to join Richard and his significant other for dinner at another location. In those cases, if the restaurant is further away from his home, we’ll Uber to his home and ride with them. We don’t expect them to pick us up at this location; it’s about 20 minutes each way.

When we choose not to rent a car, we don’t do so, expecting others to “cart us around.” We always prefer to be as independent as possible, wherever we may be.

Yesterday, while working out in the fitness center down the corridor, I noticed my Sketchers shoes weren’t providing as much support as needed, as I’ve quickly increased my time on the treadmill. Once back at the condo, I ordered a brand of workout shoes from Amazon; I know from experience that they work for me. I ordered them using a no-cost feature they offer, allowing me to try them on and return them if they don’t work for me.

The shoes will work for me when I try them today when they arrive in a few hours. We are Amazon Prime members and get free overnight shipping. Between Smith’s and Amazon, we can receive anything we need. The only time we visited a pharmacy was when Tom needed a few medications when he went to Urgent Care with bronchitis. There’s an example of when we’d now use Uber, both for a visit to the clinic and then to Target Pharmacy for the prescriptions. We had a car at that time.

But still, if we’d used Uber for all of that, the most we’d have paid for the trip to the clinic, Target, and back to the condo would have been a total of $60 since they are only five miles from here, only the cost of two days of a rental car.

In any case, being frugal like this probably saves us thousands of dollars each year, allowing us to spend more on those things that mean more to us: nice hotels, holiday homes, and good food. Also, we can choose quality products and brand names when buying something, if preferred. At this point, we don’t feel trapped at all in this ideal location. If we change our minds, we can rent a car.

Last night, the low-carb enchiladas were excellent. I forgot to take a photo when we both were hungry and preoccupied with eating our lovely dinner. We’ll eat it again tonight and I wrapped the remainder for the freezer for two more nights. It’s always good to have pre-made meals in the freezer for those unexpected occasions when we prefer not to cook.

Be well.

Photo from ten years ago today, January 16, 2014:

The Guineafowl parent gathered all their chicks together as we slowly drove by while in Kruger National Park. For more photos, please click here.

Football days are upon us…New recipe…easy or time consuming…

This was a European roller we spotted in the bush described as follows: The European roller is a long-distance migrant, wintering in Africa south of the Sahara in two distinct regions, from Senegal east to Cameroon and from Ethiopia.

Gee… There are a lot of football games we can watch while Tom is streaming them from DAZN (formerly NFL Game Pass). Based on his subscription to this service, the commercials are gone if he waits three hours or more after the game ends. But, if we wait too long, we may see any particular results, and we both (Tom particularly) don’t like to know the final score ahead of time.

It’s nearly impossible to avoid seeing the results of games when there are many mentions of results all over the internet. Tom, who enjoys Facebook, can’t avoid seeing the results and comments from avid football fans. Coincidentally, the Super Bowl is being held in Las Vegas this year. No, we won’t buy the pricey tickets, especially since our favorite team, the Minnesota Vikings, won’t play. They haven’t played in the Super Bowl except as mentioned below:

“Minnesota Vikings is an American professional football team founded in 1961 and based in suburban Minneapolis, Minnesota, that plays in the National Football Conference (NFC) of the National Football League (NFL). The Vikings have appeared in four Super Bowls (1970, 1974, 1975, and 1977), losing each time.”

We both have other teams we like. I am a fan of the Kansas City Chiefs (Missouri) since I love watching Patrick Mahomes, and this year, Tom favors the Green Bay Packers (Wisconsin) and the Detroit Lions (Michigan). As for the other NFL  games, I seldom pay much attention. Instead, while he’s watching on my laptop with the HDMI cord plugged in, I play games on my phone or read news and other articles.

Once I upload the post each day, I seldom use my laptop other than when we’re researching future locations to travel. Thus, I don’t mind him using my laptop to stream the games to the TV. His laptop is a Chromebook with no HDMI outlet, and although we purchased an HDMI adapter a while ago, it isn’t working on his device. Thus, we use my Windows 11 laptop with a built-in HDMI port.

I had a late start on today’s post when I decided to make beef enchiladas for dinner for the next few nights. After considerable research online for keto tortillas, I found none that didn’t use wheat, starch, or bad oils. I checked through every keto tortilla on Amazon and at local markets. Nothing meets my criteria except the brand Egg Life. When we were in Florida many moons ago, I tried those, and they were awful, tasteless, and quickly fell apart.

Instead, this morning, I began making homemaker keto tortillas using this recipe I found online here. One wouldn’t want to tackle this recipe if they weren’t prepared to spend about an hour making a dozen of these in the kitchen. But the result is fantastic. Putting the ingredients together is easy; it’s rolling the 12 pieces of dough (I doubled the recipe and adjusted it to make 12 tortillas) and cooking them in a non-stick skillet for four minutes each (two minutes each side).

To my surprise, I enjoyed making these and will do so again. As for the enchilada recipe, I bought two large cans of enchilada sauce and cooked and drained three pounds of grass-fed ground beef. I added chopped onion, seasonings, and fresh garlic to the pan. Tom helped me cook and drain the meat, which needed to be broken into small pieces, not big chunks.

Once I am done here soon, I’ll go back into the kitchen and put the enchiladas together. I’ll add half of the sauce to the meat and add lots of shredded cheddar cheese, wrapping each tortilla in ¾ of the meat. Then, I’ll line the huge, lightly greased pans (using avocado oil) with the wrapped tortillas, adding more sauce, meat, and cheese. I’ll cook this for about 30 minutes at 350F until the top is bubbly and smells fantastic.

With this meal, we’ll have a big salad. It should be a delightful dinner. I used to make this dish with chicken or beef in our old lives, but I hadn’t made it in over 12 years, since before I changed my way of eating when I could use store-bought tortillas. It will be interesting to see if it tastes as good with the keto/low-carb homemade tortillas. I’ll take a photo tonight and let you know tomorrow.

If you can eat regular store-bought tortillas, this is a fantastic recipe for the family or entertaining. This recipe can easily be put together in 30 minutes without the lengthy process of making the tortillas.

Be well.

Photo from ten years ago today, January 15, 2014:

No photos were posted today due to a poor WiFi signal while we were in the Blyde River Canyon in South Africa.

Correction in yesterday’s post about Medicare, Plan G for foreign travel…

This restaurant, Luna Rossa, is about a one-minute walk once we get down one flight of stairs.

I made an error in yesterday’s comprehensive post about supplement Plan G, which I chose as an adjunct to Plan B enrollment. My insurance agent, Janet Mueller, at jmueller@teameip.com, noted the need to make a correction, which I’ve done on the post and noted today. See below for details:

  • Maximum annual $50,000, with $250 deductible, which pays 80%, on emergency medical services for foreign travel outside the US. Air and ground ambulance are covered. Here is a link with information on ambulance and air ambulance services for Plan G.
  • Tom sure loves bread.

Now that the Medicare information is posted and hopefully clear for those interested, we’re moving on to other topics, such as our first evening out to dinner last night in The Village, one flight down an outside stairway from the hallway on our floor.

We had a lovely time in the restaurant. We went to the Italian restaurant Luna Rossa, a one-minute walk once we got downstairs to the ground level. We’d thought of going to the Mexican restaurant but, at the last minute, decided against it when I’d planned to make beef enchiladas on Monday.

Tom’s delicious lasagne.

Only a few items on the Mexican restaurant’s menu appealed to Tom with some modifications. Most Mexican restaurants serve Spanish rice and refried beans with each entree, neither of which Tom will eat. Taking those two items away from a plate may leave little to eat. As a result, he only likes taco salad with beef, not chicken. Of course, he could ask for meat instead of chicken, but he doesn’t care to ask for special adjustments when he orders off a menu.

On the other hand, I’m always asking for special adjustments for my orders to ensure they are gluten-free, starch-free, and sugar-free. I always tell Tom, “We’re the customer paying the bill. It’s ok to ask for changes, especially if we’re willing to pay for upgrades that may increase the price.”

My mussels and clams in a tasty broth.

Oh well, we each do it our way. He’s a picky eater due to his taste buds, and I am picky only to ensure I don’t eat anything that isn’t suitable for my way of eating. If I didn’t eat this way, I pretty much like everything.

Once seated at Luna Rossa without reservation on a Saturday night, we felt at ease at the table for four with a crisp white tablecloth and lovely table setting. The service was fast and friendly, primarily by older Italian gentlemen with experience. More servers were in the restaurant than customers, but about half of the tables were occupied, which surprised us.

I can always find something to eat in Italian restaurants even when most of the dishes contain pasta, none of which I’ll order. Tom had the delicious lasagne, a good-sized portion, made to perfection. I ordered the mussels and clam in a delightful broth that I finished with a spoon. We each ordered one drink, a brandy and Sprite for Tom and a lovely Merlot for me.

The restaurant was surprisingly busy. We didn’t expect the eateries in The Village to be busy.

The wine glass was huge, and there couldn’t have been more than four ounces of wine in it, typical for somewhat fancier dining establishments. But the drinks and food were plenty for us. Tom enjoyed the basket of bread, which only came with olive oil and balsamic vinegar, neither of which he’d eat. He started eating the dry, unbuttered bread but didn’t ask for butter. When the waiter passed, we asked for butter, and Tom dug into the bread.

Our dinner bill was $98, including tax and tip. We could have easily had two nights’ dinners at Jabula for this amount, including drinks, tax, and tip. At these prices, we’ll only eat out once a week.

The short walk back to our place was refreshing in the cool air at only 40F. As I write here this morning, it’s only 46F, typical for the winter cool desert temps. I love this cool weather in Las Vegas, especially when it’s sweltering in the summer months.

I’m off to take the bedding to dry in the laundry room using the handy laundry app on my phone. As mentioned, we have a washer in our unit but no dryer. We dry everything else on the portable laundry rack we purchased at Amazon.

Today will be a football day. Last night, we watched an exciting game between the Kansas City Chiefs and Miami Dolphins. No spoilers here if you haven’t watched it.

Have a wonderful Sunday.

Be well.

Photo from ten years ago today, January 14, 2014:

Baby warthog is sleeping in our yard, while mom and three other babies munched on vegetation. For more, please click here.

Part 2…Here it is…My Medicare Part B late enrollment, a supplement and possible drug plan…Important information for long term world travelers…

This is what’s called a “Bottlebrush Plant.” Greyia flanaganii, commonly known as the Kei bottlebrush, is a species of plant in the Francoaceae family. Greyia flanaganii is one of the related species of the taxonomically isolated and endemic southern African family, the Greyiaceae. Greyia flanaganii is endemic to the Eastern Cape Province of South Africa.”

Four years ago today, we arrived in Marloth Park, South Africa, after 59 hours of travel from Mumbai, India, after ten months in lockdown in a hotel room near the Mumbai Airport. We were masked, gloved, wearing face shields, and flying tentatively, with Covid 19 still prevalent worldwide. We were so happy to finally be free.

Here’s what we wrote in a short post on January 13, 2021 from this link here:

“It’s after 7:15 pm on Wednesday, and we are exhausted. I’d hope to do a post tonight, but I don’t have the energy to put it together. We’ve already taken several amazing photos, and tomorrow morning, coffee in hand, we’ll look forward to sharing details about our new home and new life at Lovebird’s Nest in Marloth Park and some memorable wildlife photos from our garden. It’s heavenly.

Please check back tomorrow while we get back into our usual rhythm of posting daily,

Thanks for your patience, kind words, and encouragement. We are so grateful!”

It’s hard to believe it was four years ago when it seems like yesterday. We made a point of quarantining to protect our friends in the bush, and in no time, we could socialize with all the wonderful friends we’ve made in the bush over the years. It was an extraordinary time, although we continued to exercise caution to avoid contracting Covid-19.

It wasn’t until we left South Africa for a few cruises in 2022 that we were infected on a cruise, leaving us both with lingering, long-term COVID-19 symptoms. Tom coughed for months, and I had a sinus-related face and head pain for 18 months that only resolved a few months ago. Enough on that, but sharing this memory with all our readers was meaningful.

I will continue to share what we mentioned in yesterday’s post on the supplement plan I chose as an adjunct to enrolling in Part B Medica on January 2, 2024. I’ve yet to hear from the Railroad Retirement Board if my enrollment has been processed, but it should be in the next few weeks by February 1, when the supplement kicks in, and I will finally be insured.

Here is the link to yesterday’s Part 1, explaining in detail the penalty imposed upon me for late enrollment of Part B, for which I  opted out when I turned 65 in 2013 since there was no coverage outside the US. The supplement I’ve chosen covers me outside the US for a maximum of $50,000 annually for emergency medical treatment and services, not standard medical care such as doctor’s office visits and tests.

With doctor appointments under $50 in South Africa and tests even less, we will continue to see Doc Theo as needed while we’re in Marloth Park in five months.

My US Medicare insurance rep, Janet Meuller, mentioned in yesterday’s post, has been a fantastic resource of valuable information, answering many questions I threw at her over several phone conversations in the past several weeks. If you are in a position to consider supplements and drug plans, once again, you can reach her at jmueller@teameip.com. (Note: we are not involved in any compensation for recommending Janet. We only do so based on the quality of service I received, as we often do when encountering exceptional professionals). She can work with you on plans for any state in the US.

So here’s what we chose for me. (Tom wasn’t ready to sign up at this point).

There are several plans available from which to choose. I won’t list them all here since there are too many to list, which are based on your state of residence, your age, and other factors.

With Janet’s help, I chose Plan G with Aflac, priced at $157 a month (could change annually as any supplement can and most likely will) but enables me to implement the following.”

  • Maximum annual copay: $240. No other copays for any other Medicare-approved services.
  • After the $240 copay is met, there is 100% coverage for all Medicare-accepted services, doctor appointments, hospital stays, surgeries, tests, and more. Always check when making an appointment to see if the medical doctor or facility accepts Medicare and your plan, in my case, Plan G.
  • Maximum annual $50,000, with $250 deductible, which pays 80%, on emergency medical services for foreign travel outside the US. Air and ground ambulance is covered. Here is a link with information on ambulance and air ambulance services for Plan G.
  • No network constraints: I can choose any doctor or medical facility I’d prefer anywhere in the US, unlike many plans that restrict the patient to specific local networks, doctors, and facilities.
  • No doctor referrals are required for hospital care, and specialists
  • Chiropractic services are covered under these stipulations:” Medicare Plan. G covers chiropractic services, but only for medically necessary spinal manipulation, as Original Medicare covers. This means that additional chiropractic services or treatments, such as preventive visits or chiropractor-ordered tests, are not covered under Plan G.
  • No dental, vision, or drug coverage is included in Plan G. They must be purchased separately. We opted out of those coverages, which we can change during any open enrollment period. Penalties may be assessed due to late enrollment, as in our case.

Why didn’t we choose a dental, vision, and pharmacy plan? We have dental work done in South Africa, which is less than 20% of the cost in the US. We both had (and don’t have now) dental problems when our teeth were thoroughly examined before we left South Africa nine months ago. Also, we both see an optometrist in South Africa. Tom’s eyeglass prescription is current, as is my contact lens prescription. We will have exams again when we return in June.

As for a pharmacy plan, Janet reviewed all my medications with me. Based on plans available for a pharmacy plan, I am paying less than copays would be with a US plan. I continue to buy medicines from ProgressiveRX or many Canadian companies that ship drugs from countries where the manufacturing of worldwide generic medication is around 80%. See this article here for details. Also, I often get refills of my medications while in South Africa, with drugs costing less than copays would be on any of the available plans.

The costs I incur for my few medicines are less than buying drugs in the US with copays that I’d pay with a pharmacy plan. Please do your own research to decide what is best for you.

I can’t stress enough how most of these plans are based on your individual needs, not necessarily the same as mine. As world travelers, we needed to find what works best for our circumstances.

That’s it for today, folks. Hope you’re having a fantastic weekend. We are! We are heading down to the Village for dinner tonight at what appears to be an excellent Mexican restaurant. We will take photos and report back tomorrow.

Be well.

Photo from ten years ago today, January 13, 2014:

Beautiful sunset over the Crocodile River. For more, please click here.

Part 1…Here it is…My Medicare Part B late enrollment, a supplement and possible drug plan…Important information for long term world travelers…

An adorable lion cub is resting with the pride. We took this photo while very close.

In 2012, when we began our travels, we decided we wouldn’t sign up for Part B Medicare when we turned 65. In 2013, I turned 65 (I am 5 years older than Tom). Qualified Individuals over 65 years old receive Medicare Part A as follows:

“*Generally, you’re eligible for Part A if you are 65 or older, meet the citizenship and residency requirements, and get disability benefits from Social Security or the Railroad Retirement Board for at least 25 months.”

What does Part A cover?

Part A (Hospital Insurance): Helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care. Part B (Medical Insurance): Part A covers Inpatient surgeries, lab tests, and drugs related to the inpatient stay. Medicare Part A doesn’t cover doctors’ services even for Medicare-approved stays. There’s no cost for Part A for qualified individuals.

What does Part B cover, and what is the monthly premium deducted from Social Security, or in our case, Railroad Retirement?

Part B Medicare or other medical insurance may provide coverage for Medicare. Part B helps cover medically necessary services like doctors’ services and tests, outpatient care, home health services, durable medical equipment, and other medical services. Part B also covers some preventive services. Look at your Medicare card to find out if you have Part B. The government charges a monthly fee for Part B, which is now:

$174.70 in 2024 or higher, depending on your income. The amount can change each year. You’ll pay a monthly premium, even if you don’t get any Part B-covered services. “Higher income” is construed as follows:

If you file your taxes as “married, filing jointly,  and your MAGI, adjusted gross income exceeds $206,000, you’ll pay higher premiums for your Part B and Medicare prescription drug coverage. If you file your taxes using a different status and your MAG exceeds $103,000, you’ll pay higher premiums.

When we didn’t sign up for Part B Medicare since we were traveling outside the US and accepted the future penalty, and had no use for it, when Medicare doesn’t pay for care outside the US, the following penalty was assessed per year when I finally decided to send in my enrollment for Part B as follows on January 2, 2024:

“Medicare Part B has a 10% penalty on your monthly premium for each 12-month period you delay enrollment. This penalty is lifelong. In 2024, the penalty is based on a monthly premium of $174.70.”

As a result, after ten years without enrolling in Part B, my cost for Part B will be $349.40 monthly. Had I known in 2013, when I chose not` to sign up for Part B, that I’d have heart problems, I would have enrolled when I turned 65. It wasn’t until 2019 that my heart issues were discovered. At that point, we would be out of the US for years to come, and we decided to continue to wait until we returned to the US for extended periods.

Now that we’re spending more time in the US and with the discovery of future potential heart surgery, it was time for me to sign up. If I eventually need additional surgery after having tests in the US while we’re here, I will be covered.

Since Medicare Part A and Part B don’t cover everything, resulting in huge co-pays that can be life-changing and stressful, a “supplement” is necessary to cover the costs of potential co-pays, which could run into tens of thousands of dollars if not covered by Part A and Part B.

I looked online but became frustrated when I understood how supplements work. Every site I searched required me to fill out a form with my personal information to receive a call back to review the possibilities of a supplement. I started getting dozens of phone calls each day, and I didn’t want to return all those calls. However, in the process, I answered many of the calls and became more frustrated in the process.

I had run out of patience with agents whose primary goal was to sell me a plan that earned them the most commissions (the government pays).

During this period, I stumbled across a no-pressure, knowledgeable Medicare insurance agent, Janet Mueller, who gently walked me through the process, answering my seemingly endless stream of questions. I couldn’t have been more thrilled with her service and attention to detail. I’d highly recommend her services if you need help with a supplement and/or pharmacy plan. She can be reached at jmueller@teameip.com. Janet’s concern was only for those plans that would serve my needs with the best possible price and terms.

This post is getting long, so we will continue tomorrow with the plan Janet helped me decide is suitable for my circumstances. We’ll be back tomorrow with Part 2 regarding the supplement I chose and decisions regarding a prescription plan. See you then!

Be well.

Photo from ten years ago today, January 12, 2014:

Hundreds of grasshoppers in our garden traveled from one tree to another over hours. We spent the better part of a day filming and watching them. For videos and the unique story, please click here.

Tom returned from the appointment in Chicago…

We left our trail cam in Marloth Park, with other items in bins that Louise stored for us until we returned in June. While at the Ratel house, the trail cam picked up this photo of a genet, a wild small cat found in the wild.

Around 10:00 pm last night, Tom walked in the door, much to my relief. It was good to see him, although he looked tired and ready for bed. He explained he would have arrived earlier, but when his Uber driver arrived at the crowded outdoor waiting area and asked for Tom, someone else jumped into his Uber. He had to wait until the driver returned from dropping off the pushy passenger.

This antic resulted in him standing outside in the cold, 40F, with only a zippered sweatshirt on over his long-sleeved tee shirt. No doubt, he was annoyed. Still not feeling 100% after his recent bout of bronchitis, it was particularly challenging. He called to let me know he’d be later than expected, knowing I was following his flight status and could be worrying about him.

We headed to bed in no time but struggled to fall asleep. At 11:30, I heard a little snore coming from him, although he is not much of a snorer. When and if he does snore, it doesn’t bother me at all. Finally, by midnight, I drifted off but awoke many times during the night coughing. It wasn’t as bad as the previous nights, and during the day, I seldom have bouts of coughing. Tom is still coughing as well but he, too, is getting better. We both feel fine otherwise.

I might start working out regularly again, starting today, although I have done it a few times while I was under the weather on the days I felt better. Overall, I only missed about five days, and two days ago, when I tried it again, I was thoroughly caught up to where I left off.

This morning, I prepped everything for tonight’s dinner: grass-fed burger patties topped with bacon, tomatoes, onions, and lettuce, with rice for Tom and salad for both of us. Most likely, if we’re feeling well, we’ll go to dinner at one of the fantastic restaurants downstairs in The Village for the first time. We’ll review the menus before deciding which one to try, and hopefully, we’ll try a new restaurant each Saturday evening.

I hoped Tom could share how his appointment went, but the doctor and staff were all masked. Tom had forgotten to bring his hearing aids and couldn’t understand what the doctor or staff said. This morning, I emailed the doctor’s office asking them to send us a written report on his diagnosis.

All he was able to decipher was the confirmation of the prior diagnosis of pulmonary fibrosis caused by asbestos exposure after 42½ years working on the railroad. He said Tom should see a primary care physician once a year to determine the progression of the disease. There is no treatment or cure for pulmonary fibrosis, which is scarring of the lung tissue. Scar tissue cannot be healed.

As I wrote this, we received the medical report from the pulmonologist in Chicago by email. I read it aloud to Tom as it confirmed the diagnosis. As stated above, he’ll need to be in touch with primary care at least once a year to evaluate the progression of the disease. He is most likely prepared to do that when we’re in South Africa and he sees Doc Theo, whom we have determined to be our primary care physician and fully trust.

In tomorrow’s post, I will share details and pricing of finally signing up for Part B Medicare and a supplement. I will share the details of the plan I’ve chosen and why I didn’t sign up for a drug plan. Please check back for the full details of this process.

Be well.

Photo from ten years ago today, January 11, 2014:

As I threw out a handful of pellets, this guy tried to grab my hand, painlessly gumming my fingers. They’ve frequently been given treats by tourists and residents alike, hopefully with items acceptable for their herbivorous diet. We give them a few handfuls of pellets and provide the mineral lick. For more photos, please click here.

Thanks for all the good wishes for Tom and for our early exit from Ecuador, three weeks ago…

There’s nothing more exciting in Kruer National Park than seeing an apex predator crossing the one paved road.

It was a busy morning for me. I had scheduled a call with my dear friend Karen in Florida at 8:30, which we’ll finish later today. I did a load of laundry, hanging it on the drying rack, and emptied the dishwasher, which Tom always does each morning. Yesterday, he vacuumed the entire condo.

The plan was for me to do the remainder of the cleaning today while he was at the pulmonology appointment in Chicago, Illinois, after a more than three-hour red-eye flight. I had to dust all surfaces, clean the bathrooms and kitchen, and wash the floors using the Swiffer wet mop.

After coughing most of the night, I slept very little, aware of where Tom may be at any given moment. Early this morning, we texted back and forth. We talked on the phone after his 11:15 appointment in Arlington Heights. I could tell by his voice he was exhausted.

He wasn’t able to tell me much about his appointment. The doctor and staff were all wearing face masks, and with Tom’s lousy hearing, he was used to reading lips and didn’t know what they were saying. Hopefully, we’ll get a written report soon. If not, we will call and ask for one.

We only chatted for a few minutes. He was back at the airport waiting for his return flight, which wasn’t until tonight, and was going to find a quiet spot for a short nap. It’s not easy sleeping in a chair, but he’s not one of those travelers (neither of us are) who will sleep on the floor. He won’t return to our condo until around 10:00 or 10:30 pm. I bet he’ll need to go right to bed.

After I finished the bulk of the cleaning and talked to Karen, I got back to work on the rest, and now, I’m sitting here content that everything is spotless, and I can relax and focus on today’s post.

Sure, I wish we had a housecleaner here in Nevada, But when we heard the cost for a few hours is $150 per week, we couldn’t justify that expense. It didn’t make sense for every other week or even once a month since we’d still have to clean and do the bedding once a week since we like to be in a clean and tidy environment. We could hardly wait for a cleaner once every other week or monthly.

Since we’re both beginning to return to feeling well again, cleaning once a week will be fine. It’s hard to think of Tom sitting at the airport feeling so awful from his cough and not having slept in over a day. So often, in our travels, we’ve spent a day or two traveling, failing to sleep on the plane. If we have three seats in a row without any other passengers, it’s possible to lie down and sleep for a few hours. That wasn’t the case for Tom last night, and it probably won’t happen again tonight.

Las Vegas is a popular destination, and most flights, including red-eyes, are often totally booked. The crowd is often boisterous and excited to reach their destination in fun-filled Las Vegas. But, for some, like us, Las Vegas is another pleasant city in the desert where we have plans other than gambling and the lights of the Las Vegas Strip.

I’m counting the hours until Tom returns. Tomorrow, we will share his experience here and anything we’ve heard from the doctor in more detail. Thanks for all the love and support. Hmmm…maybe a short nap is on the horizon for me, too.

Be well.

Photo from ten years ago today, January 10, 2014:

When it comes to Mozambique Spitting Cobras, their size is insignificant compared to the dangerous, life-threatening venom they inflict upon their victims. This snake was approximately 1.5 to 2 feet long, 45 to 60 cm, and came within inches of Tom’s bare feet. What an exciting scare! For more photos, please click here.

We got out of Ecuador just in time…Nationwide State of Emergency declared….

Photo from Reuters. Police are armed and ready.

Yesterday, our dear friend Gerhard sent us an article he stumbled across. After further research, we discovered the news was broadcast worldwide about the country of Ecuador declaring a “nationwide State of Emergency” as of January 8, the original date that we were leaving Ecuador.

Had we stayed until our rental contract ended, there’s no doubt we could have faced delays with added security, police, and military presence, all with rifles in hand, on the highway and at the airport. We are grateful we got out when we did.

This situation further exemplifies how dangerous the country has become when we assumed that Ecuador was considered safe for tourists only a few years ago.

Here is information from this site, one of the many articles we read online.

Written by  for Reuters ->

QUITO, Jan 9 (Reuters) – At least four Ecuadorean police officers have been kidnapped by criminals, the police said on Tuesday, and explosions occurred in several cities, a day after President Daniel Noboa declared a state of emergency.

Noboa, a former legislator and son of one of the country’s richest men took office in November on promises to fix the struggling economy and stem a wave of violence on the streets and in prisons, which has been growing for years.

Noboa declared the 60-day state of emergency– a tool used by his predecessor to little success – on Monday, enabling military patrols, including in prisons, and setting a national nighttime curfew.

The measure was a response to the disappearance of Adolfo Macias, leader of the Los Choneros criminal gang, from the prison where he was serving a 34-year sentence and incidents at six prisons, including hostage-takings of prison guards.

Police and prosecutors have given scant information about Macias’ disappearance.

Three police officers working the night shift were taken from their station in the southern city of Machala, the police said on social media on Tuesday, while a fourth missing officer was taken by three criminals in Quito.

“Our specialized units are active with the goal of locating our colleagues and proceeding with the capture of the perpetrators,” the police said. “These acts will not remain in impunity.”

The explosions, including on a pedestrian bridge in Quito, resulted in no injuries, but the capital’s municipal authority asked in a statement for reinforced security amid the “unprecedented” crisis.

Noboa has said he will not negotiate with “terrorists,” and the government has blamed recent incidents of prison violence on Noboa’s plan to build a new high-security prison and transfer jailed gang leaders.

Prisons agency SNAI has given no information about the guards who are being held hostage.

Noboa plans to hold a plebiscite focused on security efforts.”

We can only imagine how difficult it may have been had we not left Ecuador on December 14, 2023, only 3½ weeks ago. We certainly consider the $190 fine we had to pay when no crime was committed on our way to the Guayaquil Airport from Mirador San Jose to be a drop in the bucket compared to issues we may have encountered had we tried to leave on January 8.

As mentioned above, we are very grateful we got out of there when we did for more than one reason, as our regular readers know so well.

Be well.

Photo from ten years ago today, January 9, 2014:

After diligent perusal of the book, “Newman’s Birds by Colour for South Africa,” loaned to us by Louise, we were thrilled to spot the White Fronted Plover that we’d captured from the banks of the Crocodile River. This morning at 8:00 am, Danie stopped by on his motorbike to say hello and to tell us that a male Lion was spotted by a ranger at 3:00 am close to the river. Danie told us that occasionally, lions make their way from the bordering Kruger National Park into Marloth Park, protected only by a few strands of wire fence. Over the years to come, many lions have been living in Marloth Park, and curfews remain in place to this day. For more, please click here.