Life is crazy.
Paying For Heart Surgery When You’re Not as Rich as Randy Travis
Very sad news broke this week about Randy Travis. The country crooner, whose hits ironically include a song titled “From the Hard Rock Bottom of my Heart,” was hospitalized with a life-threatening heart problem that arose from viral cardiomyopathy, a condition that is characterized by a weakening of the heart muscle due to a virus. The virus that caused this disease is usually pretty harmless, but in some patients, extremely dangerous complications can arise. For Travis, the complications weakened his heart, and he required hospitalization and emergency heart surgery.
The easiest way to pay for a heart surgery is to let someone else pay for it. This tip may sound like a joke, but it is the way most people pay for heart surgery. Insurance is a risk management system in which many people pay premiums so that they do not have to bear the entire brunt of a financial loss. Some will come out ahead by paying less in premiums than the amount of the health benefits they will receive. Others will be on the opposite end of the stick. Health insurance can come from the private market or the public coffers through programs like Medicare and Medicaid. While there might be a copay for these procedures with insurance, the insured will not have to pay the whole tab.
Another way to pay for heart surgery is by raiding a retirement account. This is not really advisable in most instances, but desperate times can call for desperate measures. The money can then be paid back over time in the best-case scenario, and getting the doctors paid off will take a major burden off of the back of any heart patient.
Taking out a home equity loan can also be a way to pay for a heart surgery. Those who have some equity built up in their home can sometimes find enough to pay off some emergency bills. Of course, it usually takes years to build up this equity, so many will not have this option available to them.
One final way to pay off a heart surgery without being rich like Randy Travis would involve getting a second job. This might cut down on the amount of time available for cardiac rehab, but the doctor will want his or her cut. It is likely that the hospital will be even more serious about getting paid. This will especially be the case if the hospital is for-profit. It might take some time, but those who are able to survive the extra work should be able to eventually pay off their bills.
Related articles
Walking Dead: Would You Be Ready for the Apocalypse?
Would you be ready for the apocalypse? The Walking Dead asks that question every week. There is a great deal of human intrigue in the show, but the show is always asking you, the viewer, if you would be ready to deal with an apocalypse on that order. The idea goes much farther than dealing with zombies. Truly, zombies are the easy part of the apocalypse.
Lost People
We live in a world where we are very connected. You know people from all over the world, and it the entire world has been overrun by an apocalypse at once, all the people you are connected to around the world are effectively gone. There is no chance you will ever see them again. The people on the show deal with those ideas every day. There are so many people they miss that they never go to to say goodbye to.
Insecurity
The one thing that the apocalypse creates is insecurity. You will have no idea what is going to happen the next morning. You never know when someone in your crew is going to be bitten or killed. You have no idea when you will run into other humans you cannot trust. There is not a safe place on Earth. Even if you lock down a house, there is no way to know for sure that zombies would not get in.
Violence
The Walking Dead graphically depicts the violence that is necessary to kill zombies. You would have to “kill” thousands of people who have become zombies. You can see their wedding rings. You can see them in their uniforms, and you know that they used to be somebody. However, you have to end them in order to save yourself. Many of us believe we could do that, but we need to think twice before we assume we could be that violent.
Order
The lack of order in the world is the thing that would break most of us. We can reconcile loss, but that loss is hard to reconcile when there is no order in the world. There is not one authority on the planet that is still operating. How would you be able to resolve problems without such a structure?
On the show, all these problems are handled violently. Murdering violent people is all part of the job if you want to stay alive. It is one thing to kill a zombie that is no longer a person, but it is something else to kill a real person who is simply a thieving criminal.
You might think that you would do just fine when you are watching The Walking Dead, but you would not know unless it happened in real life. The zombie apocalypse is not all fun and games. At its heart is a tense human emotion called loss that we would all have to confront head on.
Twitter Weekly Updates for 2010-07-17
- RT @mymoneyshrugged: The government breaks your leg, and hands you a crutch saying "see without me, you couldn't walk." #
- @bargainr What weeks do you need a FoF host for? in reply to bargainr #
- Awesome tagline: The coolest you'll look pooping your pants. Yay, @Huggies! #
- A textbook is not the real world. Not all business management professors understand marketing. #
- RT @thegoodhuman: Walden on work "spending best part of one's life earning money in order to enjoy (cont) http://tl.gd/2gugo6 #
Distraction
At work, there are a dozen coworkers who can(and do) interrupt me. Though its not in my actual job description, there are a dozen customers with my direct line.
On an average day, I get interrupted at least ten times with issues that require my full attention. When an issue requires my full attention it throws me off my stride. Is an issue requires ten minutes to resolve, discuss, or explain, and it takes another ten minutes to recover my “groove”, that is twenty minutes wasted out of about every fifty. That is almost half of my day unavailable for the things that are strictly within my job description. On a good day.
Naturally, this takes a toll on my productivity.
Avoiding Distractions
1. Warn People. If you have been allowing interruptions and distractions, it may come as a shock to your coworkers that easy time is over. Send an email to everyone who normally expects your attention.
2. Turn off your email. I check my email three times per day. Morning, noon, and night. An auto-response explaining your plan may be helpful.
3. Unplug the phone. I’m fortunate to have a “Do not disturb” button on my phone. Unplug it, turn off the ringer, or drop it in the sink. Just don’t answer it.
4. Close your door. This isn’t always possible, but if it is, do it. It provides a wonderful psychological barrier to anybody thinking about interrupting you.
5. Block the internet. If you have an opportunity to work unmolested, don’t waste it on the internet. BE PRODUCTIVE!
Now, is this a sustainable solution? I’m not sure. I work in a small company and have varied responsibilities, including reviewing potential contracts, demonstrations, and a bit of high-level customer care. It doesn’t appear to be possible to sequester myself every day, but I’m making an attempt to do so on at least once every other week.
How do you keep work distractions to a minimum?
100 Push-ups in 22 Days
One from the vault:
Last month, I set a goal to do one hundred push-ups in a single set by the end of the month. Before I started working on this, I hadn’t done a single pushup in at least 10 years. At the beginning, I didn’t know if it would be possible, or how much it would hurt. I knew it would be a challenge, and I was looking for a challenge.
Three days before the start of the month, I did one set of pushups. I wanted to find my baseline, so I could see the progress I was making, and I wanted a chance to recover, so I’d be starting from scratch on the first of the month. That day, I did 20 pushups. I pushed, but 21 wasn’t going to happen. That’s not an impressive number, but I ride a desk all day and had spent 10 years lazy. It could have been worse.
My initial plan was to do two sessions per day, morning and night. I’d be doing a total of 56 sessions. Each session would consist of 5 sets of my baseline, progressing to 100 push-ups in a set for the 56th session. That would mean I’d have to add 1.5 pushups to my sets each session. I decided to add 1 to each set in the morning and 2 in the evening sessions. My planned progression was 20, 22, 23, 25…95, 97, 98, 100 over the course of the month.
That lasted one day. February 1st, I did 100 push-ups in 5 sets of 20. That night I did 110 push-ups in 5 sets of 22. The next morning, I hurt so much I couldn’t do 10. I did something like 8/5/5/5/cry-like-a-baby. My abs were cramping and my shoulders burned. I ended the session in the fetal position, hoping all of the screaming muscles wouldn’t cramp up at the same time. If pain is weakness leaving the body, then I was making a significant contribution to the the problem of homeless weakness particles.
Plan A failed. As I waited for the pain to end, I had some time to think. In between “Please don’t cramp! Please don’t cramp! Please don’t cramp!”, I developed Plan B.
I decided to base everything on the previous session’s largest set. The largest set would set my baseline for the next session. The first set in the session would be half of the baseline. The next three sets would be 3/4 of the baseline, and the final set would be pushed until I couldn’t go any further, establishing the next session’s baseline. Starting from my newly established baseline of eight push-ups, my next session was 4/6/6/6/15. The session after that was 7/11/11/11/16, then 8/12/12/12/16.
Plan B became an aggressive, self-correcting progression. If I pushed too hard, the next session was done at a lower level, allowing me time to recover.
The first week hurt. Going from little-to-no real exercise to an aggressive exercise regimen is painful. I was stiff and sore, but I was progressing. One of the best things about Plan B: Set #1 is a good warm-up. Warming up is important.
By the end of week one, I was back to where I started, doing sets of 20. I wasn’t sure I’d make it. I had a few days in a row that didn’t improve my baseline at all. Then I skipped a day. When I came back, but baseline jumped by 10 push-ups. I had hit a small wall, gave myself a day to recover and had a 50% improvement. Guess what got incorporated into Plan B? If I had two days in a row without improvement over the four sessions, I skipped a day.
By the end of week two, my baseline was up to 60. I stopped increasing the warm-up set, so it would still be a warm-up and not create strain. I only went above 20 for the warm-up set once before I created this rule. At this point, my session was 20/45/45/45/60. That’s progress.
At the end of week three, my baseline was at 80. I took the weekend off.
On Monday, February 22nd, I decided to see where my absolute max was. I did a set of 20 to warm up. I followed up with a set of 30, to make sure I was ready. Set #3 was 100 push-ups, a full week early. I’m not going to lie and say push-up #100 was perfect, but it was done. I went from barely being able to do 20 push-ups to successfully doing 100 push-ups in 22 days. I spent the rest of the week perfecting my form. After 75-80 push-ups, it’s hard to tell exactly how straight your body is and how low you are going, without a spotter or a mirror.
Next, I’m applying Plan B to sit-ups.