*November 2018 Articles*
Medicare Open Enrollment
Period Ends December 7th
MEDICARE OPEN ENROLLMENT PERIOD ENDS
The annual Medicare Open Enrollment period has started for 2019 coverage, and will run from October 15, 2018, to December 7, 2018.
During the annual enrollment period (AEP) you can make changes to various aspects of your coverage.
- You can switch from Original Medicare to Medicare Advantage, or vice versa.
- You can also switch from one Medicare Advantage plan to another or from one Medicare Part D prescription drug plan to another.
- And if you didn’t enroll in a Medicare Part D plan when you were first eligible, you can do so during the general open enrollment, although a late enrollment penalty may apply.
A new rule starting in 2019 will allow Medicare recipients the option to switch from one Medicare Advantage plan to another Medicare Advantage plan after their coverage has begun in the new year. Therefore, if you sign up for a Medicare Advantage plan in the fall and then decide you don’t like it once it takes effect in January you have until the end of March to make a change.
There are also changes that help minimize your out-of-pocket expenses if you are one of the many Medicare recipients who fall into the “donut hole” or coverage gap during the year. In 2018 recipients who fall into the coverage gap pay 35% of the cost of their medications but in 2019 that amount drops to 25% which can result in significant savings for some.
If you need assistance choosing the right coverage or would like to review your options you can contact your local Aging Services Access Point (visit below website to locate your agency) and ask for a referral to a SHINE Counselor.
Senior Resource Center, Inc.
Cost of Senior Care
New England doesn’t have a reputation for cheap cost of living. When it comes to senior care, it isn’t cheap either, and Massachusetts has some of the highest costs nationwide. In all of America, only Alaska charges more for senior care than Massachusetts.
Assisted living facilities in Massachusetts cost nearly as much per month as nursing home rooms do in other states. For example, a private nursing home room in Missouri costs $5,475 versus $5,599 for assisted living in Massachusetts.
To see the 'Typical Cost of Senior Care in Every State', click link below:
Cost To Build Your
Ernie K-Doe once sang that his mother-in-law was “the worst person I know,” but for many, mothers-in-law are bastions of support and love. They offer insight, affection and wisdom gleaned from their lived experiences. Even when she’s driving you crazy, your mother-in-law knows best.
Mother-in-Law Day, which falls on Oct. 28 this year, is a chance for families to show their appreciation for their other mother. Another way to show appreciation is to invite your mother-in-law to live with you. What’s the best way to do that, while still keeping her at arm’s length? With a mother-in-law suite. Get started on a home renovation that will pay you back.
What Is a Mother-in-Law Suite?
The mother-in-law suite — sometimes called a granny flat — is a catch-all term that includes any living space with a bedroom, kitchen and bathroom and an entrance separate from the main house. Officially called “accessory dwelling units” (ADUs), in-law units can be converted garages, basements, attics, guesthouses or suites in the true sense of the word.
How Much Does a Mother-in-Law Suite Cost?
Like families, building an in-law unit takes patience, planning and maybe sweat and tears. And also like families, in-law units cost money — anywhere from $40,000 to $125,000, according to Realtor.com. Before you ask your mother-in-law to live with you, check your local zoning and building codes to make sure your future unit is within regulations. You might also want to consider separating the utilities between the unit and the primary residence to save money due to inactivity or if you want to rent out the unit later.
The Cost to Add a Mother-in-Law Suite to an Existing Home
You’re more likely to save money when you convert underused space instead of opting for a brand-new addition. All cost estimates are via Realtor.com.
- Garage: $20,000 to $50,000 (plus $15,000 to $25,000 for a bathroom): While insulation might be an issue to update, a garage already comes with framing and foundations and more than likely already affords occupants a degree of privacy. Wiring and piping for outlets and plumbing are essential for code compliance.
- Basement: $10,000 to $27,000: A spacious basement should provide its own floorplan, especially since the piping and drains should already be there. It’s still wise to plan for add-ons and exterior doors in particular. They’ll provide a safe exit and keep the unit within regulations.
- Attic: $41,400 to $90,000: Likely one of the more challenging spaces to convert, you’ll need to take into account the ceilings height, stairwell width, proper plumping extensions, sound-proofing measures and sources of light to make the space habitable.
- Unused rooms: $2 to $4 per square foot for framing walls, plus $3,000 to $25,000 to add a bathroom:Since rooms should already have proper flooring, lighting and wiring, this renovation should be the easiest undertaking when adding an in-law unit to your home.
The Cost to Build a Brand-New In-Law Suite
Building an addition can cost as much as six figures, with high-end additions approaching an average of $120,000, according to HomeAdvisor. Then again, they can also cost much less — it all depends on your in-law’s needs and your budget. Here are some estimates for some additions homeowners might undertake. Just remember to budget for the costly home repairs that will catch you by surprise. All cost estimates are via HomeAdvisor unless otherwise noted.
- Additional Rooms: $80 to $200 per square foot:You can either build out or build up when it comes to adding a room. Building out adds a room to your home at ground level while building up requires adding a room to the second story of your home. Building out might be more complicated because it involves expanding your home’s physical footprint, but building up requires a whole new floor.
- Granny Pod: $85,000 to $125,000:This portable abode is great for giving your in-laws privacy and proximity. It looks like a bungalow on the outside but has hospital-grade features on the inside. The unit hooks up to the main house’s sewer system and includes hand railings, lighted floorboards and a soft floor to lessen fall-related injuries.
- Detached Additions: $15,000 to $25,000: These smaller units also exist on the property but are useful for guests or even office space. Simple shed-like rooms without amenities will run about $15,000, but also consider excavation costs ($70 per cubic yard).
Once you’ve decided what sort of addition you want, it’s time to crunch the numbers. Here are some estimates to keep in mind as you’re planning your in-law’s perfect home-away-from-home-and-you:
- Architectural services: Usually accounts for 10 to 17 percent of the total project’s cost
- Support beams and roof trusses: $15-$30 per square foot
- Drywall: About $9.80 for a 4-foot-by-8-foot sheet of drywall
- Electrical wiring installation: Requires a licensed professional, who could charge $50-$100 per hour
A Unit Only a Mother-in-Law Could Love
An in-law unit or guesthouse should be seen not only as a financial investment but an emotional one. You can’t put a price on accommodating your family’s needs, and the addition can help you and your family grow together. It can also help your home’s equity grow. You can rent out the extra space in the short-term and homebuyers are also willing to pay extra for a property equipped with an in-law unit. So, bust out those blueprints the next time your mother-in-law hints she doesn’t see you nearly as often as she’d like.
If you’ve caught the DIY bug, increase your home’s value with these remodeling projects.
100 Classic TV Catchphrases
That Will Stay in Your Head Forever
"Holy Catchphrase, Batman!" - That's how Robin would have reacted to this list of signature expressions made famous by classic television characters:
- "Ahhh, what's up doc?" - Bugs Bunny, "Looney Tunes".
- "You rang?" - Lurch (Ted Cassidy), "The Addams Family".
- “I know nothing!” - Sgt. Schultz (John Banner), "Hogan's Heroes".
- "I'm smarter than the average bear." - Yogi Bear, "The Yogi Bear Show".
- “Bang, zoom, to the moon, Alice!” - Ralph Kramden (Jackie Gleason), "The Honeymooners".
- "How sweet it is!" - Jackie Gleason, "The Jackie Gleason Show".
- “Here’s … Johnny!” - Ed McMahon, "The Tonight Show".
- "Hey now!" - Hank Kingsley (Jeffrey Tambor), "The Larry Sanders Show".
- "Well, isn't that special?" - The Church Lady (Dana Carvey), "Saturday Night Live".
- “That’s what she said.” - Michael Scott (Steve Carrell), "The Office".
- “Say the secret word and win a hundred dollars.” - Groucho Marx, "You Bet Your Life".
- “Norm!” - Everyone in the bar, "Cheers".
- “D’oh!” - Homer Simpson, "The Simpsons".
- “Dyn-o-mite!” - J.J. Evans (Jimmy Walker), "Good Times".
- “Aaay!” - Fonzie (Henry Winkler), "Happy Days".
- “Bam!” - Emeril Lagasse, "Emeril Live".
- “Dude.” - Hurley (Hugo Reyes), "Lost".
- "Ay, caramba!" - Bart, "The Simpsons".
- "Nyuk, nyuk, nyuk." - Curly, "The Three Stooges Funhouse".
- “Ruh-roh!” - Astro, "The Jetsons".
- “Ruh-roh.” - Scooby Doo, "The Scooby Doo Show".
- "Oh, my God! They killed Kenny!" - Stan and Kyle, "South Park".
- "It's a good thing." - Martha Stewart, "Martha Stewart Living".
- “Hello, Newman.” - Jerry Seinfeld, "Seinfeld"
- “I'm Larry. This is my brother Darryl and this is my other brother Darryl.” - Larry (William Sanderson), "Newhart".
- "Look! Up in the sky! It's a bird! It's a plane! It's Superman!" - "Adventures of Superman".
- "Homey don't play that!" - Homey the Clown (Damon Wayans), "In Living Color".
- “Up your nose with a rubber hose.” - Vinnie Barbarino (John Travolta), "Welcome Back, Kotter".
- “Missed it by that much.” - Maxwell Smart (Don Adams), "Get Smart".
- "Danger, Will Robinson!" - Robot, "Lost in Space".
- “I pity the fool.” - B.A. Baracus (Mr. T), "The A-Team".
- “Beep, beep.” - Roadrunner, "Looney Toons".
- “Nanu-nanu.” - Mork (Robin Williams), "Mork & Mindy".
- "Wocka, wocka." - Fozzy Bear, "The Muppet Show".
- “Yabba, dabba, doo!” - Fred Flintstone, "The Flintstones".
- “Yada, yada, yada.” - Elaine (Julia Louis Dreyfus), "Seinfeld".
- "Marcia, Marcia, Marcia!" - Jan (Eve Plumb), "The Brady Bunch".
- “Schwing!” - Wayne and Garth (Mike Myers and Dana Carvey), "Saturday Night Live".
- “Now cut that out!” - Jack Benny, "The Jack Benny Program".
- "Jane, you ignorant slut." - Dan Aykroyd, "Saturday Night Live".
- "Tenk you veddy much." - Latka (Andy Kaufman), "Taxi".
- “Lucy, you got some explaining to do!” - Ricky Ricardo (Desi Arnaz), "I Love Lucy".
- “The devil made me do it!” - Geraldine, "The Flip Wilson Show".
- "Make it work." - Tim Gunn, "Project Runway".
- "Jeepers Mr. Wilson!" - Dennis (Jay North), "Dennis the Menace".
- “The tribe has spoken.” - Jeff Probst, "Survivor".
- “Good evening.” - Alfred Hitchcock, "Alfred Hitchcock Presents".
- “We've got a really big show!” - Ed Sullivan, "The Ed Sullivan Show".
- "What you see is what you get!" - Geraldine (Flip Wilson), "The Flip Wilson Show".
- "We are two wild and crazy guys!" - Czech Brothers (Steve Martin and Dan Aykroyd), "Saturday Night Live".
- “Hi Yo Silver, Away!" - The Lone Ranger (Clayton Moore) "The Lone Ranger".
- “How you doin?” - Joey Tribbiani, (Matt LeBlanc), "Friends".
- "What'choo talkin' 'bout, Willis?" - Arnold (Gary Coleman), Diff'rent Strokes.
- “Come on down!” - Johnny Olson, "The Price Is Right".
- “Just the facts, ma’am.” - Sgt. Joe Friday (Jack Webb) "Dragnet".
- “Stifle it, Edith!” - Archie Bunker (Carol O'Connor) "All In The Family".
- "Sock it to me." - "Rowan & Martin's Laugh-In".
- “No soup for you!” - The Soup Nazi (Larry Thomas), "Seinfeld".
- Mom always liked you best." - Tommy Smothers, "The Smothers Brothers Comedy Hour".
- "This tape will self-destruct in five seconds." - "Mission: Impossible".
- "I am cornholio!" - Beevis, "Beevis and Butt-Head".
- "Who loves ya, baby?" - Kojak (Telly Savales), "Kojak".
- "Kiss my grits!" - Flo (Polly Holiday), "Alice".
- "You look mahvelous." - Fernando (Billy Crystal), "SNL".
- "Eat my shorts." - Bart, "The Simpsons".
- "I'm listening." - Frasier (Kelsey Grammer), "Frasier".
- "De plane, de plane!" - Tattoo (Hervé Villechaize), "Fantasy Island".
- "Let's be careful out there." - Sgt. Phil Esterhaus (Michael Conrad), "Hill Street Blues".
- "The thrill of victory and the agony of defeat." - Jim McKay, "Wide World of Sports".
- "Prettyyyyyy, prettyyyy, prettyyyy, pretty good." - Larry David, "Curb Your Enthusiasm".
- "Smile, you're on ‘Candid Camera.'" - "Candid Camera".
- "Live long and prosper." - Spock (Leonard Nimoy), "Star Trek".
- “Zoinks!” - Shaggy, "Scooby Doo".
- “In fashion, one day you’re in and the next day, you’re out.” - Heidi Klum, "Project Runway".
- "You eeeeeeediots!" - Ren, "Ren and Stimpy."
- "Book 'em, Danno." - Steve McGarrett (Jack Lord), "Hawaii Five-0".
- "The truth is out there." - Fox Mulder (David Duchovny), "The X-Files".
- "Space, the final frontier ..." - Capt. Kirk (William Shatner), "Star Trek"
- "Elizabeth, I'm coming honey!" - Fred Sanford (Redd Foxx), "Sanford and Sons".
- "God'll get you for that" - Maude (Bea Arthur), "Maude".
- “I kill me.” - Alf, "Alf".
- "Will you accept this rose?" - "The Bachelor," "The Bachelorette".
- "Baby, you're the greatest." - Ralph Kramden (Jackie Gleason), "The Honeymooners".
- “Nip it in the bud.” - Barney Fife, "The Andy Griffith Show".
- "Yeah, that's the ticket." - The Pathological Liar (Jon Lovitz), "Saturday Night Live".
- "Holy ______, Batman!" - Robin (Burt Ward), "Batman".
- "Clear eyes, full hearts, can't lose." - Coach Eric Taylor (Kyle Chandler), "Friday Night Lights".
- “Everybody lies.” - Dr. Gregory House (Hugh Laurie), "House".
- “I love it when a plan comes together.” - Hannibal, (George Peppard), "The A-Team.
- "Did I do that?" - Urkel (Jaleel White), "Family Matters".
- "I'm Gumby, dammit!" - Gumby (Eddie Murphy), "Saturday Night Live".
- "Good afternoon, Mrs. Cleaver..." - Eddie Haskell (Ken Osmond), "Leave it to Beaver".
- "Good night, and good luck." - Edward R. Murrow, "See It Now".
- "Good night, John-Boy." - The Walton family, "The Waltons".
- “And that’s the way it is.” - Walter Cronkite, "CBS Evening News".
- “You're fired!” - Donald Trump, "The Apprentice".
- "Is that your final answer?" - Regis Philbin, "Who Wants to Be a Millionaire?".
- "Say good night, Gracie." - George Burns, "The Burns & Allen Show".
- "Just one more thing..." - Lieutenant Columbo, "Columbo".
- "Good grief." - Charlie Brown, "A Charlie Brown Christmas".
Photos of the above, click link below:
- Senior Resource Center, Inc. (SRC) is not a law firm, but is affiliated with Falco & Associates, P.C. SRC provides a legal overview of potential legal issues and may make a referral to Falco & Associates, P.C. or a law firm of the individual’s choice if legal work is necessary. Services provided by SRC are not legal services and the protections of the lawyer-client relationship do not exist with regards to these services.
- Senior Resource Center, Inc. (SRC) and its employees are not registered investment advisors, nor do we offer or sell securities.