Listen with webreader

Back in 2012 we wrote an article titled 5 Foods That Will Help You Stretch Your Food Budget. That talked more about individual items, although one could look at soup as a multiple foods item. Still, we thought it was time to update this list a bit. So, here are 5 more food ideas for you, more about full meals.

spaghetti 29/365
Nikkorz via Compfight

1. Spaghetti sauce. We couch it under spaghetti but truthfully, you can use spaghetti sauce for lots of different things. Truth be told, if you know how to make a spaghetti sauce from scratch you could probably save a lot more money than we can. Still, spaghetti sauce is one of those things that, if you make it in bulk, you can have it last for a very long time, whether you decide to put it in the refrigerator to eat through the course of a week or freeze some for a later time.

2. Chili. Once again, you could start with a tomato sauce of your own making and either use your own chili spices or chili mix of some kind. If you add meat and beans it makes it heartier, and making something to eat it with, such as rice or even spaghetti (I sense a theme) it will spread further. Once again, you could eat off it for the week or freeze some.

3. Hamburger. We don’t mean the one pound of hamburger that costs at least $3.99 a pound. If you have the space you can get sizes of 6 pounds or more usually for $1.99, and in some places like outlet stores it might cost even less. Six pounds of hamburger comes out to 24 quarter pound burgers, but you can also use portions of it for your spaghetti sauce or chili if you like meat in your meals. Some outlet stores sell even larger portions; buying in bulk, if you have the space, always makes sense.

4. Pulled pork. As expensive as ham seems to be, what costs way less is pork, especially big pieces of meat like pork shoulder. If you go to the right store you can get a 10-pound slab of pork for around $8.00. If you take that and put it into a slow cooker, within hours you’ll have enough pork to eat off for more than a week. Mix it into things like chili or soup, or flavor it up with some barbecue sauce and eat it with bread or rolls, and you’ll have a lot of meals at a very low cost.

5. Cake. Yes, I’m tossing some dessert in here; who doesn’t like dessert? The thing about cake is that it actually costs very little money to make, even with frosting, and you can freeze it easier than you can pie. If you take an 8-inch round double layer cake and cut it into 12 slices, they’ll normally come out around 4 ounces each, which is plenty of cake (for some even that might be too much). For less than $10, you have a very affordable dessert that keeps giving.

By the way, if you have a large family then obviously these meals won’t spread as far. But they’ll still cost you less, even if you want to add vegetables to the mix. By the way, the reason vegetables weren’t added to this article is because some of them perish fairly quickly unless you’re buying frozen.
 

Digiprove sealCopyright secured by Digiprove © 2015 Mitch Mitchell
Listen with webreader

There are three major reasons why there are conversations about trying to be more eco-friendly. The first reason is to better protect the environment. The second reason is to try to come up with cost saving measures. The third reason is because we don’t want to run out of the natural resources that bring us this energy.

Refinery in GTA on New Years Day
Ryan via Compfight

Asking if we could really run out of energy is kind of a strange question, because energy in some form will always be out there. The question probably should be whether we’ll have access to the types of energy we have access to now, or the catalyst for that energy. That will provide a much different answer, and one that we all need to address as we go forward with our green initiatives.

In general, oil comes from plant and animal life that has decayed over millions of years, coalesced and become oil. That’s pretty much a simplification of things, but for our purposes it will do. There’s a lot of that inside the earth, which has been a good thing. The problem is that there are more people now than at any other time in known history, and we’re going through oil at an alarming rate. It’s also something we can’t reproduce, so if we happen to go through it all that’s pretty much that.

Some of it happens to be in areas that are protected natural resources. There are some who believe that it’s more important that we access the oil than it is to preserve the environment. Right now that’s not as big an issue, but it could one day if the financial situations don’t improve. And if that happens, then it means we will probably go through our reserves even faster.

So then what about the sun? The sun will still be around for at least a few billion more years, but that’s not really the issue (since Earth might not be). The issue is twofold.

One, even right now solar energy costs a lot of money to try to capture and store. Technology has not moved as fast as one would’ve expected in making the cost lower, so it’s still not all that widespread.

Two, even if we could capture all the suns energy, we would still need other resources such as substances for lubrication. There may be some scientists working on that problem, and if they can find something else that can be used that’s a good thing, but we have to hope that whatever they come up with is still safe for the environment and for the rest of us.

What about wind, hydro, and nuclear power? To an extent all of those are limiting as well. There aren’t enough places in the world where you can set up a dam to create power from water in enough abundance. The same goes for wind, plus the technology is still limiting as far as how much energy it can capture. Nuclear power also requires being near enough to a large water source so that you can keep the reactors cool. It’s also somewhat dangerous as you know.

Right now, all the other forms of capturing energy still require one main component; oil. If we can improve these other energy sources, we might be in a position where we require less oil, maybe even being more cost effective and lass of a financial burden to we, the consumers. It’s something we still have to think about right now as we move forward with our energy initiatives.
 

Digiprove sealCopyright secured by Digiprove © 2015 Mitch Mitchell
Listen with webreader

Every American gets Medicare coverage when they turn 65. However, there are different versions of Medicare, each with its own unique rules. That can be confusing because the financial impacts of each are different also. Let’s take a better look at this.

Gov Holiday Visit 22
Pennsylvania National Guard via Compfight

Medicare has 4 coverage options, with different rules within each one. Let’s take a look at each of these in more detail.

Medicare Part A covers inpatient stays at both hospitals and nursing homes. Coverage isn’t complete, however, as each type of coverage has limitations. Let’s look at hospital stays first:

Medicare is the primary insurance for inpatient coverage unless you’re still employed. It covers all normal hospitalization charges at 100% except for deductible amounts. Those deductible amounts change every year, yet have some standard rules:

The standard Medicare deductible is a flat fee and covers the first 60 days of a hospital stay. If you leave the hospital and go back within 90 days, you won’t have to pay another deductible amount as long as you stay less than a total of 60 days from the first visit. If you leave the hospital after that and stay out at least 90 days, if you go back into the hospital that deductible amount will be all that’s owed again.

If you’re in the hospital from 61 to 90 days, there’s what’s called Coinsurance Days, in which case you pay 1/4th of whatever the deductible amount is every day until you reach 90 days. The same rules for discharge apply if you go back in within 90 days.

If you’re in the hospital from 91 to 150 days, you’ve gone into what’s known as Lifetime Reserve Days. In this case, you pay 1/2 of the standard Medicare deductible every day until you reach 150 days, at which point coverage ends. The same rules apply for discharge with one major difference. If you have a second long stay and reach 91 days, your lifetime reserve days don’t start over. This means if you had to dip into 10 days of lifetime reserve you only have 50 left, no matter what the circumstances are.

Strangely enough, Medicare does cover maternity services if a patient is on social security and covered by Medicare as well.

With nursing homes, the rules are slightly different. Medicare Part A covers the first 20 days in full, and then days 21 through 100 will have a daily co-pay amount. Not everyone who goes into a nursing home has to be a permanent resident, though. If you have to go to a nursing home for specific rehabilitation treatment Medicare will cover those services.

Medicare Part B covers outpatient services, and there’s a monthly fee to get coverage. It doesn’t cover everything, however. There’s no coverage for podiatry or dental services, although it will cover that if you’re in an accident that requires surgery and doesn’t involve work or motor vehicles. It covers rehabilitation services as long as a patient is getting better; Medicare doesn’t cover any maintenance services whatsoever. Medicare also won’t cover any services that don’t match up with an approved diagnosis, although these services can always be appealed.

Medicare Part C refers to Medicare HMO plans, and you can only apply for this coverage if you’re Medicare eligible. Since these plans are insurance plans on their own behalf, they may cover things Medicare doesn’t cover, but they must cover everything a traditional Medicare plan covers.

Medicare Part D refers to prescription medication coverage. This isn’t a standard plan across the board, as the rules differ from plan to plan and state to state based on which medications are being addressed, based on different groupings. Once again this is a paid plan based on the types of pharmaceuticals you might need.

Luckily, there are many supplemental insurance plans, including Medicaid, that can help cover any expenses Medicare doesn’t cover.
 

Digiprove sealCopyright secured by Digiprove © 2015 Mitch Mitchell

Well, it seems the worm has turned in a very strange way, and I have to admit that I’m feeling a little bit smug about it all. The Supreme Court is going to be looking at a provision in the Affordable Care Act to see if the Internal Revenue Service overstepped its authority. The provision […]

Trying to save on resources in your home is not only economically logical, but it can be ecologically logical as well. Here are four ideas on how you can have both of these in your daily living. 1. Monitor how you use your water. Joe Shlabotnik via Compfight For instance, when you’re brushing your teeth […]

This week President Obama first floated the balloon, then put out the message in his State of the Union address that he’d like to make college free. Well, that’s not quite accurate. He wants to make community college free for everyone across the country, with the caveat that they get at least a 2.5 GPA […]

There are things that aren’t in my knowledge base. Thus, when I realized it was time to find a way to reduce my winter heating bill, I had a hard time coming up with something. Then I remembered that about 15 years ago my wife and I had a kerosene heater. I’m not sure what […]