ChaosCoati

When mine was young I only gave him dry food. Then he developed kidney disease (CKD) 4 years ago. It and diabetes are fairly common in older cats.

Now he gets dry food plus wet food in the morning and evening - 1/2 of a little can or 1/4 of a bigger can at each feeding. The dry food and wet food are in separate bowls. That plus finding a water fountain he likes has so far kept his kidney disease from getting any worse.

Next cat I’ll give wet and dry food from the start.

They are raspberry leaves, but I was just gathering them for our pet rabbit’s breakfast. I’ve never canned with them. Are the grape leaves to keep the pickles crisp? I add black tea leaves

Oh Bob’s Burgers is an awesome idea. Adding that to my rotation

Mostly dramas: Bones, House, Criminal Minds, NCIS. Plus Stargate SG-1

Freezing your credits means you (or anyone else) cannot access your credit report to open new lines of credit. No credit cards, mortgages, car loans, nothing.

I watch a tv show on my phone. I know it goes against all the traditional advice, blue light is bad for sleep, blah blah blah. For me, it means I can get 7 or 8 hours of sleep instead of 3.

I don’t watch just any tv though. It has to: 1. Be a show I know well enough where I can tell which character is speaking when I’m only listening. 2. Have a good amount of seasons (8 or more) so I don’t get to where I’ve memorized the episodes and my mind starts to wander. 3. Is one I know in general what’s gonna happen with the characters (so I don’t have to stay up and find out what happens) but isn’t one I love so much that I can’t stop watching. And 4. Doesn’t have a bunch of nonverbal stuff that’s important to the plot.

I have a sleep headband with little speakers in it so it doesn’t keep my partner up. When I’m ready for bed, I make sure my screen brightness is turned all the way down, I put on my sleep headphones, and I lay down and close my eyes to listen to the show. Usually I can fall asleep in less than an hour, as long as I keep my eyes closed. Otherwise I get caught up watching the show and before I know it I’ve watched 3 episodes and I’m still awake.

Congrats! That’s gotta be so satisfying

I’m the same way, I wouldn’t even try it if I was a passenger in a car

A gut feeling, even?

If you have insurance through your employer, then no the insurance company can’t raise your rates. And part of the reason for the Affordable Care Act (ACA, sometimes called Obamacare) was to make it so people who are getting the insurance themselves also can’t have their rates raised or get turned down for insurance because they have pre-existing conditions. However insurance companies can raise everyone’s rates when the insurance is up for renewal each year.

Most insurance plans have several different costs: 1. The monthly premium you pay to have insurance coverage. Some employers pay this themselves, otherwise it gets taken out of every pay check.

2. Co-pay: Usually a set amount ($30, for example) you pay to see a doctor for office appointments that aren’t an annual check-up*. So say I get an ear infection and see my primary doctor to get it treated, I’d pay the co-pay for that visit. Sometimes things like x-rays, blood work, CTs can be a set amount, other times it’s something like insurance will cover 65% of the cost. For some plans, co-pays are included when figuring out if you’ve reached your deductible.

3. Deductible: The amount you have to pay before “co-insurance” kicks in. Co-insurance being the percent of your bill insurance will pay (for us it’s 75% after we pay $3500 in a calendar year).

4. Out of pocket max: When you’ve spent this amount in a calendar year after that insurance covers 100%. Often plans have both individual and family maximums, with the family amount being higher.

Usually the more you pay in monthly premiums, the lower your deductible and out of pocket maximums will be. So each year people have to try and decide what they think their health bills will be next year when picking their plan (you can’t change plans mid-year unless something happens like changing job, getting married/divorced, having a kid). If you’re pretty healthy you might pick a lower monthly plan with higher out of pocket amounts because you don’t expect to have to pay much out of pocket. If you’re someone with a chronic condition or you’re expecting to need surgery or a costly treatment you might go with the higher monthly plan so you don’t have as high of out of pocket amounts.

For example, my spouse had to go to the ER a few years ago for what turned out to be a collapsed lung. They didn’t have to stay in the hospital overnight. I forget the total bill (or I’ve just blocked it from my memory), but our part ended up being about $5,000. Insurance kicked in after the bill got to $3,500, and they covered 75% of everything that was over $3,500. The most we would’ve paid was $6,000 (the individual out of pocket max), however we would still have to pay bills for myself and our kid up to $12,000 (family out of pocket max).

*Another part of the ACA was to make annual preventative screenings (like annual physical, mammogram for women over a certain age, prostate screening for men, etc) free.

Hello Mittens