Coffee heat rising

Think Medical Care Is Bad in This Country?

If you think access to and quality of medical care in America leave something to be desired — as I occasionally do — you’d better take a look at this. Particularly interesting is the long, long round of reader comments, which suggests this horrifying story is hardly an isolated incident. Makes things here look a lot better, by comparison.

Now, I will say the fact that Britain’s National Health Service apparently isn’t great, even if you have influence (if not money), doesn’t change the fact that care is not always easy to acquire in this country and certainly isn’t affordable for anyone who doesn’t have a full-time job with a good insurance policy.

Over 35 years ago, my mother died under circumstances not unlike those MP Ann Clwyd describes. She was in Arizona’s first HMO, an arrangement that looked like a bargain to my father, who retired before he and my mother reached Medicare age. At that time it was still too early for people to understand exactly what sacrificing a choice of doctors means.

The HMO was set up to provide a financial incentive for doctors to avoid delivering care that was likely to be expensive. As a result, her doctors simply refused to acknowledge anything was wrong with her as she was dying of cancer, a condition obvious to anyone who knew and observed her. We couldn’t get her to another doctor, because my parents were trapped in the HMO, and so as she lay on her deathbed we were told she was a mental case.

After we finally persuaded her quacks to perform exploratory surgery and she was found to be full of inoperable cancer, she was left to rot in a nursing home near Sun City, in the most hideous conditions imaginable. Just to get them to clean her up as she lay in her own stinking fluids, I had to threaten to call a lawyer — literally, only when I told the doctor’s front office staff that my next call would be to my lawyer did he show up and order the listless nurses to change her sheets and clean up the mess.

After that I managed to get her admitted to a better nursing home in Phoenix, but it meant my father had to make a 40-minute drive every day to be with her. He insisted on doing so, because he realized that the only way to see to it that even marginally adequate care was delivered was for him to sit there in her room from dawn until after dark.

The HMO, which was run by Blue Cross/Blue Shield, fought the nursing care every inch of the way. We managed to force them to cover most of the cost because she needed skilled nursing care — heavy-duty, addictive painkillers had to be administered by injection, plus they’d stuck in a tube to drain her abdomen and a tube to drain her urine — and that was the only reason we could get her into a nursing home.

My father was unable to care for her; he was an elderly man who couldn’t lift her, he was in no condition to administer injections, and she would get up in the middle of the night and stagger around, dazed, in the dark, crashing into furniture and injuring herself. They tried to claim she really didn’t need this care, and to prove it one of the HMO doctors ordered the nurses to mash up morphine pills and stuff the slurry down her throat. This wasn’t very successful, because by then she was on the verge of coma. On the day that she died, they were going evict her from the nursing home, because, they said, she really didn’t need any care.

The upshot of all this, for me, was that I was unable to be with my mother in her dying days, because I literally spent all of my time fighting with the medico-insurance bureaucracy. I lost track of how often I uttered the words “would you like talk to my lawyer.” I would go by the nursing home once a day, but there was no way I could sit at her bedside all day, with so much battle to be done.

In my observation, things have not changed much for the better. The guy who sold SDXB his house here in the neighborhood did so because he was dying of a cancer that went undiagnosed by HMO doctors who kept telling him the swelling in his neck was an infection; he knew his wife couldn’t handle the place, and he needed the money to cover the medical bills. Same thing happened to a colleague’s wife: for over three months, her HMO doctors treated her fulminating breast cancer with antibiotics.

Even for those who have managed to avoid HMOs, access to medical care can be iffy, at best. Quality is too often questionable.

Several days ago, I called the Mayo to ask for an appointment with an orthopedist, since the back pain and plantar fascitis haven’t cleared up. The woman I spoke with said she’d ask my internist for a referral and shunted me off the phone. I’ve never heard another word.

I have the name of an orthopedist from Young Dr. Kildare; however, if you let your name slip off the rolls of the Mayo for a year, you get “fired” as a patient. They don’t want to do business with Medicare, and so if you’re on Medicare, you can’t get in at the Mayo. If you were already a patient at the time you went on Medicare, you get grandfathered in (at least, for the time being…that may change), and since the Mayo is best game in town (they saved my life after St. Joseph’s ER ignored me when I showed up with advanced acute appendicitis), it’s in your interest to show up over there once a year. This looked like a good opportunity for the annual visit.

Meanwhile, I needed the name of an ophthalmologist — an MD, not an optometrist — having experienced stabbing pain in an eye. Called YDK’s office: they didn’t have a clue. They referred me to a guy I stopped seeing years ago, after he told  me, incorrectly, that he believed I had a melanoma in one eye. That was after the time he told me he thought I had MS.

I may have MS, indeed. But I do not have eye cancer, something that was elucidated only after two fear-filled weeks of waiting to get in to see an oncologist.

The other day I fell, hit my head on a wooden chair, and walloped my knee. The bruising is healing up, but a sharp pain remains in the knee. So now I have even more reason to see an orthopedist.

Nice thing about falling on the tiles, though: it seems to have jolted something loose in the back, so the back pain is better. Doesn’t look very hopeful, though, that I’ll be able to hike anytime in the near future: probably not in time to get in shape for the day-long hike up Oak Creek scheduled for next April. Certainly not if the kneecap is fractured. Wouldn’t it be useful to know, though?

 

The Frugalist’s Gemstone?

Just came across a gemstone called iolite, a variety of cordierite. It’s quite a pretty stone. And lo! We’re told it’s just the thing for the frugal personal financier to sling around her neck (or, if he’s a he, possibly to wear in a ring or tie clip…do men still wear tie clips???). It says here that iolite is “an excellent source of energy when used for the elimination of debt and the responsible management of money.”

Not only that, but it appears to be made for personal finance bloggers, “activating the visionary, creative side of the mind, and accessing thoughts and ideas beyond the ordinary.”

😯

We all must have one of these rocks!

Interestingly, iolite displays a characteristic called pleochroism — it appears to change color when seen from different angles. The Vikings learned to use the phenomenon, a function of light polarization, to help navigate the oceans on overcast days, when the sun couldn’t be seen through cloud cover.

Reading about the color-shifting trait reminded me of a ring my mother left to me, something that she got during our travels through the Middle East. The stone in it, an alexandrite, is deep amethyst in artificial light and clear aquamarine in sunlight. It’s the strangest thing to see!

Alexandrite allegedly was named after Tsar Alexander the II, having been identified by Finnish mineralogist Nils Gustav Nordenskiöldon the young future monarch’s sixteenth birthday in 1834.

Dunno about you, but I find the science and history related to pretty stone baubles very interesting. The folklore and woo-woo that have built up around them are pretty entertaining, too.

🙂

 

Have I Found My Calling in Life?

Well, for heaven’s sake. I just sold the fourth piece of the…uhm…jewelry line I came up with all of two weeks ago.

Here’s my strategy:

• Wear a  particularly handsome example of what I can do.
• Wait until someone admires it.
• Quietly and humbly, murmur “I make these.” 🙂
• Stand by until the person says, “You do? Can you make one for me?”

Amazing.

One of the choir ladies fell into my little trap. But instead of asking, “Can you make one for me,” she had a better idea. She works for the state of Arizona and is required to wear an ID card on an ugly lanyard slung around her neck. “It’s so hard to find a lanyard that’s not hideous,” said she. “Do you suppose you could make one of these as a lanyard?”

Well, yeah. I suppose so. Just finished the same, except that I need to find a large, sturdy jump ring, which I expect to locate tomorrow when the stores open.

Meanwhile, this morning KJG and I are about to shoot out the door to go to the Tempe Arts Fair, a gigantic sell-a-thon that fills that burg’s downtown streets once a year with craftspersons and artists peddling their wares, when the phone rings. It’s La Maya, seeking a present for a birthday party she has to go to at 11:30 a.m. Will I sell her ANY lariat necklace I have in stock?

Well, sure. Unfortunately I’d consigned the only one I have left to Ecocentricity, whose proprietor has agreed to aid and abet me in my new criminal activity enterprise. That notwithstanding, she’s still interested (or at least was, at 9 this ayem) in buying one of my creations.

Think of it.

State of Arizona supervisory employee shows up with spectacular beaded lanyard (and I have to say, the darned thing is pretty!). Fellow employees ogle it. One of them says, “Where did you get THAT?” She says, “I know who makes these.”

Mwa ha ha!

Not counting the time entailed in tracking down the gear, making one of these things takes about three or four hours. Prorate the amount the things are selling for, and you get about $30/hour, net.

That is exactly what the Great Desert University was paying me at the height of my earning power.

Yesh.

I can earn what a Ph.D. and 30 years of professional experience can earn, by stringing beads.

Drop.

Your.

Jaw.

Speaking of dropping your jaw, KJG and I headed for the Tempe Arts Fair, where each of us perused the offerings of craftspersons who peddle the same wares we’re each making: she, pottery; me, jewelry.

We found a number of people selling things along the lines of what we each make. In her case, the number was limited: what KJG makes is not the run-of-the-mill casserole. In my case, the number was vast: everybody and her little sister is stringing beads, for obvious reasons (given the $30/hour payback). But here’s what we discovered: of all the crafts represented at this freaking enormous street fair, the pottery and the jewelry purveyors attracted the largest crowds.  At some booths, you had to elbow  your way up to the display cases — it was amazing.

Also amazing: the prices these folks were commanding. Handcrafted beaded necklaces? Eighty to a hundred and eighty dollah.

Holy mackerel!

These prices are for the things that were comparable to what my pieces are selling for (although no one is making anything exactly like mine). That’s right. For necklaces made of components that one can buy from wholesalers for an OK price or from retailers through the schnozzola, the going rate ranges from $80 to $180.

The boggle minds.

More than the price, the ease with which this stuff sells is mind-boggling.

Peddling a service — especially one that the clients imagine they can do themselves — is difficult, to say the least. But an object? For heaven’s sake, I haven’t even tried to sell these things! But people are buying them as fast as I can make them.

You realize: if I could sell four of these a month — as many as I could possibly turn out by myself — I would earn as much as I would need to earn by teaching to keep the wolf from the door.

I think I’ve missed my calling in life.

Remember back when I was hating on my GDU job and thinking how much I wished I could live in Yarnell on the proceeds of some handicraft?

Apparently that wasn’t such a stretch, after all…

One of Those Days…

Started at 4:00 a.m. Bathed, painted, dressed, answered emails. Read copy for an hour. Got tired of that around 5:30.

Hungry. Had a breakfast meeting this morning, but a) I wasn’t even supposed to leave the house for another hour and 15 minutes and b) I had to give the dog & pony show for this morning’s chivaree and so would bolt down a pressured restaurant meal around that. Decided to fix my own food and just have coffee at the shindig.

Howcum what used to take minutes now takes half a lifetime? Feeding the dog & then fixing a meal and eating it occupied the hour & something. Late as usual racing out the door.

Hideous traffic. Took 45 minutes to make the 20-minute drive to the Scottsdale meeting. But everyone else was running late, too, thank goodness.

Delivered a half-baked presentation.

Was reminded by a client, who also belongs to this group, that I haven’t done his project yet. He handed me more stuff in a large manila envelope.

I just realized, as I’m sitting here, I think I walked out of the restaurant without it. Shit.

Forgot my checkbook so couldn’t pay this month’s dues. One of the guys was collecting for popcorn, holiday fund-raising for some charity he supports. Couldn’t pay for that, either.

President wanted to know who’s slated to present next week. Would I e-mail him when I get home with the list of the next few weeks’ speakers. “Okay,” I said. Make a note:

• send check for dues
• send check for flicking inedible popcorn
• feed popcorn to students
• email Marshall with next month’s speakers.

Just called the restaurant. They close at 2:30 p.m. Whaaa???? What kind of chain freaking restaurant closes at 2:30 in the freaking afternoon????

Got home. Hungry. Had to eat something more than a snack before doing battle with noon class. Defrosted a small steak and threw some frozen hash browns into a puddle of hot grease while grilling meat over propane. Reheated tea in microwave. Good. Highly satisfactory. Left dirty dishes all over kitchen.

Changed clothes. Raced to campus.

Finished listening to 101 students explain exactly what it is they think they’re going to do in their respective papers. A week ago they were asked to brainstorm ideas for their paper, select an idea that looked feasible, and turn in a note describing that. These reside in my car, because I don’t grade them and have had neither time nor inclination to look at them.

Not one but two students asked me to find their note on their final paper, a stage of which was due at 5:00 p.m. today, because — get this — they could not remember what they thought they were going to write about. So the little twits accompanied me out to my rolling office in the parking lot, thereby to remind themselves of whatever it was they imagined would be the subject of their final flicking paper, which is now due in less than a week.

WTF?

Home again, searched for the calendar with the business group’s presentation dates on it. Couldn’t find it.

Shoveled out the mound of papers that’s duned up on the closet shelves. Threw out a lot of old student papers. Found no calendar.

Rifled through the drawers, searched the car, tossed the mounds of papers on the desk. No calendar. Dug through the file drawers. Found the hanging file for the bidness group; found a calendar: out of date. Wrong calendar.

Edited copy for several more hours.

Fielded a call from financial adviser. Reported that I’d just lost a regular client; doesn’t pay much but I may have to make up the lost editing income with a larger than planned drawdown. He advised that this would be an extraordinarily bad idea. Set up meeting for next week.

Prepared and sent copy to clients; sent bill. Updated billing spreadsheet. Sent a late notice to another client. Figure to see that money about the time I see the lost calendar.

Knocked off around 6:00 p.m.

Fed the dog. Returned call to SDXB while emptying dishwasher and piling more dishes into it. No answer.

Took dog for walk. Beautiful evening, a big fat harvest moon rising up in creamy glory behind a veil of backlit clouds against a black velvet sky.

Followed up the feeder street by two shady-looking males evidently drifting in from the slums across the main drag. Gave them the slip — not a bad trick for an old bat with a small, stubborn dog in tow. Shot up a neighborhood street, running on extremely sore foot, into the light from Pretty Daughter’s garage, where her son was working on a car.

Got mail on the way up the front driveway. Found not one but two notices from the police, still being misdelivered to Manny’s house. {groan!} What NOW?

Remembered M’hijito set a lot of the debris that accumulates on the van’s front seat into a back seat so he could ride somewhere with me the other day. Check back of car. Find calendar.

E-mail Marshall that we don’t have anyone scheduled to speak after this week and so we’ll need to recruit a presenter for next week and then get the rest of the members to sign up for meetings through next month.

Open mail from cops. Interesting. It’s not about Mr. Mejia, the perp who’s allegedly in the slam over the late, great armed robbery. They just arrested another one of these creeps (you may recall that the original heist was pulled off by three accomplices), a Matthew Jason Avery. This is the guy, it appears, that the SWAT team caught in my garage. Mejia may still be in the slam, but this one was not, at least not as of November 25. That’s when they hauled him back to the jailhouse, charged with kidnap, assault and battery, and second-degree burglary.

The latter would be for the theft of my valuable used clothing, gardening hat, and muddy clodhoppers, to use as his lawn-man disguise.

So, you realize what this means?

Well, it means a number of things.

a) Mr. Mejia, the character to whose trial I was summoned, is not the one about which I have anything to say.
b) Mr. Avery is. Therefore, I will also be summoned to his trial.
c) Therefore, it’s not altogether outside the realm of possibility that I could end up testifying at the trials of two of these sh!theads.
d) And while Mr. Mejia may be unavoidably detained in the slam, Mr. Avery has been out on the street. And he knows where I live.

Charming. Here’s what he looks like. Isn’t he a sweetie?

Tomorrow I’m committed to spending the entire day at the Tempe street fair with KJG. Therefore I will not be able to burn a quarter-tank of gas tomorrow a.m. driving to the Scottsdale restaurant to pick up the package my client gave me, assuming they found it and haven’t thrown it out.

That means I get to spend Saturday morning traipsing out there. Assuming they found it and (etc.).

Eight-thirty at night. Phone just rang. The “Attention Power Company Customers” robo-bastard. God, how I’d like to get my hands on the perpetrators of that nuisance scam.

My foot hurts.

 

Lariat Necklaces a Success!

Amazingly, within a week of the discovery that I can make the things, not one but two people asked to purchase the finely beaded lariat necklaces that you first saw here a few days ago. Not only that, but — hang onto your hats, folks! — a local arts shop agreed to consign as many as I can make.

Can you believe?

Well, Funny about Money readers get first dibs. Here’s the most recent creation, which is looking for a home. It has no religious iconography attached to it, so if you’re in the Voltairean camp, you or your loved one might enjoy this:

As usual, click on the image for a higher-resolution picture.

Here’s how its little bangles look. Remember that they appear larger in these close-up images than they are in real life:

The charm with the treble clef is actually a “message” charm: on the other side it reads “Sing.” The red dangle is from a fairly pricey garnet earring whose partner I lost some time ago.

If you’d like to have this piece for $99.50 plus shipping, please let me know ASAP. As soon as it’s consigned to the shop whose proprietor wishes to sell my little creations, the price will go up another $25 to cover her costs.

To purchase or to reserve future designs,
email me at
funnyaboutmoney{at}gmail.com.

🙂

 

Define “Success,” Please

So the other day I’m sitting around reading the New York Times Magazine, an article about playwright David Henry Hwang. About two-thirds of the way through the piece, the author remarks about Hwang’s father, Henry Yuan Hwang, “After running a laundry and working as an accountant, Henry found success later in life, founding Far East National Bank, the first federally chartered Asian-American bank in the continental United States. (He sold it to the Bank SinoPac of Taiwan in 1996 for $90 million).”

No kidding? He doesn’t find “success” until he founds a $90 million bank, an enterprise (we might note) that was fraught with some questionable dealings.

If you run a small business, you’re not successful.

If you’re an accountant, you’re not successful.

Sets my teeth on edge.

What does it mean to be successful, really? I have to say that my conception of “success” has changed significantly over the years–most radically in recent years. Today, I would posit that once you reach a standard of living that keeps a roof that doesn’t leak over your head and some decent food on your table, “success” has rather little to do with money. As a matter of fact, I don’t see $90 million as an indicator of success at all. Especially not when it involves the possible corruption of the mayor of Los Angeles.

When I was a truly young thing–as in about ten years old–I thought that one day success for me would be to finish the Ph.D. and become a scientist. I wanted to be an astrophysicist.

By the time I reached my freshman year in college, it was clear that family and mentoring support for that scheme would never be forthcoming–in the 1960s, women were still not welcome in the hard sciences, and a girl who said that’s what she wanted to do was regarded as not quite right in the head. So then it seemed to me that success for me would be to get a Ph.D. in anything and have an academic life.

But also I wanted to be a writer with a capital W. I dreamed of writing publishable fiction. Alas, that also was not a very viable option, or at least it wasn’t presented as one. After I began to write for publication (always nonfiction), I imagined that success would be to write something that articulated some grand and profound truth, an Insight with a capital W. And of course to become famous for having done so.

It’s not easy to do that when you’re writing business profiles, travel reports, and cocktail-lounge round-ups. Oh well.

My mother and father felt that success for me would be to marry a man who would earn a good living and support me in the style to which they wished me to become accustomed. So, I married a corporate lawyer, exactly the kind of man they had in mind. Because I was never in love with him (the men who attracted me were not what you’d call good marriage material), that particular “success” was also a shade questionable. But I lived for over 20 years in considerable comfort. I hesitate to use the “bird in a gilded cage” cliché. It was more like Sleeping Beauty: I simply turned off everything around me and existed in a sort of waking coma. To this day, there are things my ex-husband remembers that I have absolutely no recollection of.

Some else’s success is not necessarily your success.

Well, I’ve had the life of a society matron and I’ve had an academic life and I’ve been a widely published writer and I’ve edited even more widely published writers, but I haven’t founded a $90 million bank. Yet.

So what’s success, and how much money does it entail?

Yesterday Cassie and I went for a long walk down a shaded trail that runs through central Phoenix. It was lovely. And I felt truly contented. Not suffering from a lot of pressure to do anything right this minute: success. Not worrying where your next meal is coming from: success. Having enough friends to keep you company but not so many acquaintances to keep up that they run you ragged: success. Having a son whose life, despite a few vicissitudes, has not collapsed in ruins: success. Being comfortable with one’s onliness: success.

I don’t think you have to be a millionaire, let alone a multimillionaire, to qualify as “successful.” Yeah, you do need some money: I have enough to see me through the rest of my life in about the same conditions that I’ve enjoyed for the past three post-layoff years–minimalist, but not without some comforts. The things that are important to me–a pleasant dwelling place, decent food, a few friendships–are in place. I have enough that I don’t need any more. And that, I think, defines financial success.

As for the other kinds of success, the kinds that really matter: each to her own.

How do you define success?