Thursday, December 26, 2019

MERRY AND HAPPY

Just a quick post to say -

Merry Christmas.

Happy Chanukah.

Happy Winter Solstice.

Happy Kwanzza.

And for any teddy bears out there - Happy Feast of the Hibernation.

Thursday, December 19, 2019

CHRISTMAS AND OTHER HOLIDAYS - AND GETTING READY

Another week gone already?

Are you ready for Christmas or Chanukah or Winter Solstice or Kwanzaa or whatever holiday)s) you celebrate?

Me, I have not packed away Thanksgiving yet.  Well, the dishes, pots, silverware etc were put away, but my decorations are still out.  I don't put out as many for Thanksgiving as I do for Christmas (maybe 1/20th as much as for Christmas or less), but I have the decorations from when we used to have the families here for Thanksgiving dinner and I still put them out – I need to. 

I have to get them packed away and get the indoor Christmas decorations put out – at least most of them.  I generally don't get to my bear village until Christmas Eve or even Christmas night so they “know” they will be put out late.

We still have a lot of stuff in the house that has to go back into our RV from when we cleared it out in October to take it in for the extended service time.  The larger pieces – the bed assembly and such – are back in it.  I have several fabric shopping bags with stuff from it, including the plastic containers that we use for food (snacks) storage when we travel.  It has been bad weather most days around here the last week or so since I realized I had to get all that out to the RV.  Oh, and the vacuum cleaner – we keep a hand held – plug in vacuum in the RV in case we make a mess and need to clean it up.  (Lots of vents in the RV for air to move in and out so animals can smell food in it – hence the plastic containers and concern requiring a vacuum cleaner.)  It is on my dining room table – not a good place for it to be.

We  (and by we, I meant I) also have to store reenacting stuff in the box benches in the dining room that we store it in.  We had the last event of the year that we needed our stuff for last Saturday – more on that later, if I remember – the only remaining events are the 6 days – this coming weekend and next – that we will be doing the candlelight night event at the local restoration village and we need little for that other than our period clothing. 

Husband has to move his weaving stuff to our studio – won't be able to get to my side of same after he does, but the “loom room” will again be the living room when he does. 

After all that I can start putting up the decorations and the trees. 

We have been busy the last week since I spoke to all of you.  I went to Manhattan to a client on Thursday, which took most of the day especially the travel back and forth.  When I got home husband was waiting to pack our van for the reenactment event that was coming up on (now last) Saturday. 

It was at a historic home that one of our members works at and was a colonial crafts event that we were allowed (encouraged) to sell our work at.  The local community had their tree lighting and other events that day so crowds were expected in the community.  Husband had been weaving scarves to sell.  It was to rain on Friday – and maybe Saturday – so when I arrived home on Thursday husband suggested that we pack the van while it was not raining, though dark.  He was concerned about the tables and racks getting wet on Saturday if it was still raining, so we put everything in very large plastic bags – some items needed two bags – one on each end, overlapping, to cover them.  He had put two tables in the back of the van before I came home.  We needed to put most of what we were bringing in the main section of the van (where we have a back seat and the middle seat is out & permanently in our storage shed to make an open space).  It was a cold night and damp in advance of the rain.  He went to slide the side door open and it did not budge.  He tried again – and again.  He then went in the front door and climbed through to the main section and went to open the door – which is pushing instead of pulling it open from outside as we thought that somehow it had frozen closed and needed to be forced open. 

Ha ha!  He get the door open and the overhead rubber gasket that keeps water from going into the van fell down – on me.  It would not fit back into place.  I called our mechanic – if I have not mentioned it is a local shop and 4 blocks from our house – it was almost 5:30 and I thought they closed at same.  His newest mechanic answered (there are 3 including the owner) and he knows us by name from all of our crazy car problems.  I explained and he told me we should bring it over – if we left it sitting it would flood in the coming rain, at the very least they would have it indoors and fix it the next day.  We drove over hoping the side door would not roll open – it did not.  He got the gasket back in place and we were set again.  We went home and loaded the van.  Friday we ran normal errands and picked up deli turkey to make sandwiches for the next day. 

Saturday it was misty more than raining and we were able to get everything inside to set up dry.  We had a nice room in the museum – the exhibition was on 19th century needlework so it went well with his weaving and my embroidery demonstration.  We fit in the room perfectly.  The event had people there most of the day – estimate is 75-100 people and since it was raining on and off and nasty the rest of the day, that was pretty good. 

Still no chance to pack away Thanksgiving decorations and start on Christmas though.  Each day has had new things to waste the day.  I did manage to fit in taking most of the smaller exams I need to take to prepare income taxes next year for pay.  They are online classes from an approved company and I use them every year.  Two more small classes and tests and then the large 3 hour timed test – 6 hours of class time to do.  That last one is always the one that scares me.  I know that someway I will fit them in  before the end of the month as I always do.

I hope to get the stuff out to the RV and pack away the Thanksgiving – at least the downstairs stuff, if not the Teddy Village Thanksgiving stuff tomorrow and hopefully start with the dining room decorations.  I need to push a large linen style looking chest from the living room to the dining room before I start the dining room.  It holds a small sized tree in the dining room and the large tree in the living room goes where the chest is the rest of the year.  (It looks like a linen or hope chest, but instead of the top lifting the front drops down and there are drawers in it for DVDs – husband made it.)

The front hall and the living have decorations also and then the 3 downstairs trees – big one in the living room, small ones in the dining room and studio and beaded one that I made in the living room also – on the coffee table.  I was going to change the bear figurines (separate from the teddy village) that are in a corner shelf unit in the living room – but his big loom is in front of the corner unit. 

I did put up the wire hanging piece we bought a few years ago to hold Christmas/holiday cards.  It is a long piece with little wire spots to clip papers – in this the cards – to and I hang it from our mug rack near the ceiling in the kitchen with red ribbons.  I had figured a better way to hang it last year when I took it down and clipped a note into one of the wire spots to remind me – good idea it worked perfectly and I clipped the note back in for next year.

We did finish our shopping – we bought books for his two nieces – the only gifts we buy.  I send my adult niblings (that is actually a work – I made it up and then found it already existed – it means nieces and nephews combined) checks for gifts.  He has bought some DVDs and such – which he would have bought anyway – and given it to me to wrap for Christmas – I actually stick them in recycled Christmas gift bags – why waste paper.  At some point we have to figure out what we are going to do for Christmas Eve dinner – maybe the Asian buffet we go to will be open?  We are also figuring we will go there for dinner tomorrow as we won't be able to eat out this or next weekend due to the reenactment, so it will break the meals at home up a bit. 

THOUGHT OF THE WEEK -

Whatever holiday you celebrate – take time to enjoy it.  In the future it will generally be the good times that are remembered – if the problems and misadventures are remembered they will become humorous in retrospect - “Hey remember the year that Susan and Carl got into the box of chocolates when they were little and took a bite out of each and then put them back?”   “Remember the year we forgot to bring Ellen's gift and we all had to get together again the next week for her to get it?”  Trust me, these things are terrible in the moment, but hilarious in the future.

It is the memories of the time together - even if you are just two like us  - that matter in the end.  If the decorations are not finished – they will be by new year's.  If you will be alone try to find someplace where there are other people, I know that there are community holiday dinners even around here  - where no one would think that they exist.

Oh, and as I learned at home growing up – there is always a room to throw all the stuff I you can't figure out what to do with in so the house will look nice for any family or friends who come by.  :-)






Thursday, December 12, 2019

REAL ESTATE TAX EXEMPTION PAPERWORK AND TEETH FOR HUSBAND

In our state, which has high taxes, being over 65, we are entitled to a senior exemption from part of our real estate taxes (which is a BIG amount) and since our school taxes are a separate real estate tax, we are also entitled to a partial exemption from same from our state.  In speaking with friends in other counties this is handled by the local township, village, or city and is a simple process.  In our county it is handled by the county and they seem to make it hard in an attempt to make it harder to obtain the exemption.

I understand that they have to make sure that those obtaining these credits are entitled to them but if I was not an accountant I would have a problem with the paperwork in past years and even more so this year. 

First year we were entitled to the exemption I put together the info we seemed to need and we went to one of the meetings that the county holds in libraries around the county about the exemption.  We need to fill in a form that is actually pretty straight forward.  We also need to supply copies of W2s, 1099s etc. to prove our income – okay not too bad from the prior year .  If our income was under the maximum amount allowed that would be all we need to do.  My mom cannot understand why I scream about this process as she has a 1099 for interest, one for some small dividends and one from Social Security and that is all she needs to make copies of and send with her application form.  Have I mentioned that the paperwork needs to be filed annually?

Since our income is higher than the maximum amount allowed, we need to provide our medical costs paid by us to bring our income under the maximum.  Sounds easy, right, make copies of the checks or charge slips that paid our medical insurance, doctors, pharmacies, eyeglasses, etc.?  No, they will not accept canceled checks or credit card slips as proof.  We have to get a printout for the year from each of the medical insurance companies, doctors, etc. that we paid money to during the year.  Pharmacy – no problem, the understood what we needed.  (Maybe because they are in our state?)  Dentist – no problem, he printed our our payments file.  Medical Insurance companies – ha, ha, ha.  I have now dealt with 3 of them trying to get printouts – and now have done so over multiple years.  The first year I only had to get same from the one (ACA) insurance company we had both shared the year before.  After several calls I finally had what I needed and I made a note of what they called it to help the following year.  Second year I had to get same for us, and husband had switched to Medicare during the prior year – so I had to get printouts from his supplemental policy and his medications (Part D) policy as well.  (Actual Medicare paid is shown on the Social Security form and they accept that.)  Since this is all done towards the end of the year using information from a year before, when I got the info last year my Medical insurance co had also sent the payments for last year as I had already switched to Medicare and I held onto same for the filing this year.  This year I managed to get the printout for our two medication policies on the first try.  It took 4 tries – the last by mail with a copy of the printout that they sent last year  - to get a copy of same from our supplemental policy company.

As, I mentioned the first year we were applying we went in and met with a person from the assessor''s office about this.  https://wheredidileavethat.blogspot.com/2017/10/dealing-with-county-bureaucracy.html  In addition to all the paperwork that was listed and we had with us, they wanted other paperwork.  The employee said that our income was too high.  I pointed out that we have medical expenses that bring the income down and well into range.  “But these have to be medical expenses that YOU pay, not someone else!”  Who the heck else is paying our medical costs but us?   She took the info we had and I get to get a form from IRS showing the W2s etc that they had on record for us also.  (This is a very valuable form that I did not know about before this.  A client of mine between moving and losing her husband had not filed her /their income taxes.  She filed later ones, but not that one.  I pushed her to her file it as she normally has a sizable refund due, but then she could not find the information forms she had been mailed – this form allowed us to get copies of them so her return could be prepared.  In addition husband is having a fight with an online payment processor which wants proof of his corporation's “Social Security number” - it does not have one.  They need a notice or bill sent within the past 6 months (umm, we pay on time, only if one has not paid would one get either – do they really want to do business with people who don't pay their bills?) showing the Social Security number.  I sent away for this form as it shows the Business ID number of the business and will dated within 6 months – I hope that will resolve the matter.)

Last year since I knew what had to be done I collected the papers, made copies and we mailed them – certified mail – to the county over a month and a half in advance of the due date and relaxed waiting for the notice to be sent of the exemption we were entitled to.  We received a robocall from the County Executive that we had filed for the program before, but had not filed for “this” (last) year yet.  I had to take mom to the doctor and this office cannot be reached by telephone.  I tried calling anyway, but got the usual - “We do not have time to speak to anyone.  There is extremely limited parking here, so don't bother to come here.” message. (I am not exaggerating – that is how their phone is answered and there is a currently a movement by higher county officials to make them take calls.- the parking part is correct, it is almost impossible to park to go to them.)  I tried again later in the day while mom was in with her doctor and there was a message that the call had been in error.  Turns out that instead of calling 3000 something seniors, every one of 400,000 plus land owners had been called.  Per the information on TV that night if one had a receipt from the assessor's office one was okay.  There had been a line 2 hours plus long of people running in with the problem.  The next day we made an additional copy of the application and all the attachments and drove there – husband dropped me off and drove about 5 blocks away to a store's parking lot to wait for me.  They did have our application.  They could not give me a receipt as it had been received by mail, but they did have it.  And we did get our partial exemption.  We decided that in the future I would walk the application in to them, while husband waited in car. 

Knowing I would need all of this I started collecting and requesting the information earlier in the year this time and had it all ready for when we received the application in August.  After we did all the rest of the problems that I have posted about with mom happened.  I worked a bit on the exemption when I could.  I thought that it would easy this third time, but they added to what they need.  If one has business income (and we each have a very small professional business – both with losses in 2018 the year we are giving them for the 2020-2021 real estate tax year) one has to provide proof of all income and expenses.  This actually turned out to be harder and more time consuming than any IRS or state (of 5 states I have done income taxes for) audit!!

Husband's was fairly straight forward – he gets paid through an online company and the printouts from same show the income and the fee taken from same.  (His income was not high enough for a 1099 form last year.)  8 photocopies (he did not get paid every month) took care of the proof of income and of the fees paid to get paid.  He had maybe 3 other expenses plus car expense and Internet expenses.  I had a 1099 from one client and deposit slips plus copies of checks received from my other clients.  I cannot reveal names of same so I blacked out all identifying income of clients.  I have a variety of expenses – office supplies, exams I have to take, computer, subway etc plus my share of car expenses and Internet expenses.  I had to copy every gas receipt, every repair receipt, car insurance, etc. for the car and also all of our Internet service bills.  I then used the copy of the breakdown of the car expenses that I used for our tax return to show same and had to do a breakdown of our Internet service expenses for them.  I scanned each page of the entire form and attachments into the computer as I added them to the stack of papers.  I also wrote a summary of what was enclosed – that was 6 pages long – and put a title page on each of the sections of  papers, plus a cover letter.  I know I passed 180 pages! 

Then I went to attach the papers to each other – I did not own a clip large enough and even my  special “large stack of papers” stapler would not work.  I ended up putting the application and main papers in one clipped package and the business income and expense proof in a second one. 

I finished this over last weekend and we planned to take it this past Monday to the assessor's office as we wanted their receipt for it (plus it would cost a fortune to mail).  So, last Friday husband's front tooth fell out.  Our dentist retired and while we had 4 possibilities, we did not know who to go to.  We are doing a colonial craft show this coming Saturday and he really needed this tooth replaced.  We decided to go with a local office that we pass which has good reviews which has a lab in it and takes walkins.  Husband had me call on Friday and the phone kept ringing.  I finally called their office in the county west of us and was told that the office near us was closed until Monday.  My already panicked husband was in that state all weekend.  Remember – we planned to bring the application for the exemption to the county on Monday.  Monday morning I started calling the dentist's office at 9:40 and it just rang.  I called the other office again and was told that someone would be there by 10 am.  I started calling at 10:10 and either the line was busy or it did not connect.  I should mention that it was heavily raining.  At 10:30 I called the other office again, apologized and explained.  She said that she would have them call us.  They did – they were having troubles with their lines. Big problem – dentist was away until the following Saturday (still 3 days away as I write this).  I explained why we needed to come in.  At last a break!!!  The technician was in – Monday his only day – and he might be able to add the teeth (there was another one out and ignored while waiting for this front tooth to go) for us – but we would have to come right away.  We did.  Very nice receptionist and technician.  After the inevitable paperwork the tech took a mold and we were told it would be ready by 2 pm – same day!!  I went to the desk to pay for the work (much less than we thought it would cost), but due to the telephone lines problem, the credit card would not process.  I was trying to figure out if we had enough in checking to cover the cost, when she decided to call the other office – she read the info to the lady there who had been of so much help and the receipt would be waiting for us to sign when returned. 

It was just around noon.  Husband decided that we should go to the assessors' office and deliver the paperwork.  Of course when I was taking same with us as we left for the dentist, he told me to leave it home and we had to go home and get it.  I had figured that the assessor's office would be jammed and we decided if I was not done by 1:30 I would leave so we get his teeth.  (He has an older set that he was wearing.)  I also figured that since it was lunch time it would be even worse as people would come during same and less employees would be working.  I went in and there were less than 20 people ahead of me.  (Texted husband same.) 

At first I was amazed how fast it was going.  One of the 3 employees working at this spent the entire time I was there with one woman who apparently had a real mess.  One of them was seeing people, collecting paperwork that was right and seeing person after person.  The third seemed to be a supervisor.  I happened to be seated near him and could hear what was going on.  There was a man there delivering papers for some other matter of the assessor's office and he was wasting time – he could not understand to give the employee the needed papers and had to go and make photocopies (they had a free machine in the room) – the employee then took a couple of people dropping off their exemption papers.  Then the fellow came back – he kept asking if all the papers were right and the employee kept telling him that it was not his decision.  The fellow went to make more copies.  I turned to the employee and said “You have great patience.”  He smiled back at and nodded.  He then took someone again.  He was about to take someone else, when the fellow came back.  This threw the numbers off.  He had been about to see #79 and it had disappeared off the list of numbers to call.  He told the other employees to call that number, but they forgot and called #80 – who nicely let 79 go ahead of her.  Then when they called 81- 80 went.  There was then a discussion between the two regular employees – you take 81, I'll take 82 – me.  But someone with something from before came back.  I stayed near where they working to make sure that I was next. 

The employee asked for the papers and I handed them to her and explained it was too large to put together  - not for her – a rubber band around the two and a huge clip on top and it was done.  She handed me a computer issued receipt and it was done! 

As I was about to text to husband to come back to the building and pick me up – he texted asking if I was going to see someone soon.  I texted back.  He picked me up and we went back to the dentist.

The teeth were perfect!  I signed the copy of the credit card slip, took our copy and we left.  Two major problems resolved at the same time!  And we now know of a dentist to go to.

THOUGHT OF THE WEEK -

When there is a huge problem – do it step by step.  Expect that things will go wrong or be different than last you time you did the same thing.  Take advantage of down time (in this case I had worked on finishing the exemption form in short bursts over the weekend between shopping for his younger niece's gift, meals out and movie night -plus the run to the assessor's office while waiting for his teeth).  Somehow the work always seems to get done.  The paperwork was due by January 2, but we wanted it in before the holidays. 

Thursday, December 5, 2019

WHY MY POST WAS SO SHORT LAST WEEK - MOM AND ANOTHER DOCTOR

Sorry for last week. We ended up having to take mom to an oncologist on Wednesday – the day before Thanksgiving and the day that I normally would write my post and post it – and I had to cook for Thanksgiving that night.

I realize that taking mom to a doctor is more time consuming than you might think. Remember – mom is 90. We have to allow an hour and a half to get her out to the car, up, drive her to whichever doctor we are going to (all with 30 minutes of her assisted living residence, most within 20 minutes), and get her into the doctor's office.

Why does it take this long? Well, when we get to her residence we park in the lot. We walk to the building and walk in – have to stop and sign in. Mom's apartment is – literally – the furthest one in the place. She is on the top (third) floor and is in the last room on the furthest hall – if we are running late picking her up and have to run - getting to her apartment is a good cardio workout. We go the elevator, go to the third floor and start walking (unless as mentioned we have to run).

Mom will be sitting in her wheelchair waiting for us. She uses a walker around the building, but when go out it is quicker and easier to take her in wheelchair. But – first she has to stand up with the walker so that we can take the two large wheels off the chair. In case you did not know this – the large wheels on the sides of wheelchairs can be removed (on hers we push in the axle and then pull the wheel off) and there are 4 smaller wheels. The big wheels are there so the person in the wheelchair can reach the wheels and push them to get around. (Mom will “walk” the wheelchair – sitting, but walking her feet to make it go when she uses it alone.) If we leave the big wheels on it is too heavy for us to lift into the back of our car and does not fold as flat. Big wheels off the chair she sits down in it again – we check that she has her room key, her medical insurance card and her driver's license (to be changed this coming year to a non-driver's ID). Even when one has been to a doctor before they need the insurance cards and her ID again. (One doctor is in the local hospital and we all need to show ID to enter and have to allow time for same as there might be a line – we each get an ID tag good for a day with the photo and info from our licenses on them.). When she is back in her wheelchair we head out her door to the hall.

There is what is called a wellness office in the building which, luckily for us, is on the same floor as mom. It is set up like a small clinic – receptionist, nurse's office, 2 examining rooms, and a medication room. In this last there are file cabinets with loose leaf books with pages with plastic bubbles on them with the medications for a month for each resident – each time during the day that the resident needs to take a medication there is a separate page. One thing that impressed me is that there is a photo of the resident in front of her/his pill pages so they can be sure that the correct person gets the correct medications. If mom has not been at a doctor that month I call ahead and ask for them to give me a copy of her medications – easiest way to given them to the doctor. The first time the nurse added mom's height and weight and since she cannot stand without holding on to someone or something and one doctor's office insisted that they had to take her weight, I now ask for her height and weight to be listed. Sometimes it is waiting for us when I call ahead, often it is not – so we often need time to pickup the info pages or wait for it to be done. If mom will be away from the residence when she is to take a pill, they will give ME the pills (they cannot give them to her per them as the resident might forget them or take them at the wrong time). Lately I already have the meds from last time and she will not miss medications so we can avoid this stop.

We then go back downstairs in the elevator and head back to the front desk. If mom will miss a meal we have to stop and we are not able to take her out to eat that meal, when we stop at the front desk to sign her out – and sign that we are leaving - we order a tray for her to be delivered to her room – this can take awhile for her to decide. We go out to the car and help her get in the front passenger seat. Ahead of time we clear out the hatch area at the back of the car for her wheelchair – it takes both of us to load and unload it. I ride in the back seat. That is at least a half an hour gone.

We then start driving to whichever doctor we are going to. At this point we are taking her to 4 different doctors – on different days - and still need to set up appointments for her for hearing aids (so we don't have repeat everything the doctor says by yelling it to her) and for spot on her face that has to be removed. She also wants to go and “get the shots” in her knees so that they don't hurt or least not as much.

Depending on the doctor (well his/her location) parking may be easy or hard. Generally it is not too bad – except there is one doctor whose office is “heck” and seems to be the worst organized place we have ever been and sometimes husband has to drop us off and then go look for a parking space.

The doctor we went to last Wednesday is in a temporary office and the building is on a hill – with most of the parking in the rear – uphill. Husband dropped us off at the back (main) door and went to park so we would not have to deal with the hill. We went in on the second floor as a result. There was a very small hallway area – basically a large room and we went through all of it and could not find an elevator. Husband said to me “I told you always check that the office is wheelchair accessible. “ we decided that since the front of the building on the right side had a big sign for the group that the doctor is part of, maybe we had to go there. So we went back out and around the building – downhill trying not to let the wheelchair and mom get away from us. The front of the building had stairs! Husband went in and asked and they told him to use the rear door – where we had been = there was an elevator and they could not understand how we could have missed it (none of us saw it). We each took a handle to wheelchair and huffed and puffed our way back up the hill. We went in the building second door on the left was the elevator! (I would swear it was not there before). You know the expression - “if it was a snake it would have bitten us?”). Rest of the visit went well and we took mom out to lunch at Wendys – she insists on paying for us.

We allow the extra half hour for things like this – not being able to find the elevator or problems parking or whatever. Some doctors say that if one is there 15 minutes or in one case, half an hour, before your appointment it will be canceled – why the heck don't they just make your appointment for the earlier time, especially as they don't tell you this until you are at the office.

We also have to allow time to get to mom. It is a half an hour minimum to drive out there – if there is traffic, especially rush hour – morning or afternoon, or an accident we need to allow extra time. The time we were going to the doctor who is half hour from her, there was an accident on the road after we picked her up and were on our way – the extra half hour saved us from being late. Of course if it is early (for us) we have to get up and get dressed and sometimes eat lunch before we go.

After the appointment the entire process is done in reverse - including signing mom back into her residence – sometimes ordering a tray for her then, taking her back to her room and putting the wheels back on her wheelchair. We may also have stop in the Wellness office with instructions from the doctor or to let the nurse know to expect same to come. Sometimes we will walk around a bit if we have time before her dinner.

THOUGHT OF THE WEEK -

When you do something over and over – even with slight variations – take note of how long each part takes and use that information for doing whatever it is again in the future. But – always allow a bit of wiggle room as one never knows when there will be a accident on the road to the doctor or they actually want you there earlier than you are suppose to be there.