Medical Bankrupt Alternatives

The impact of high medical costs incurred from an accident or a debilitating disease can strap your cash for decades even after you recover physically. Doctor bills play a role in 60% of bankruptcy filings. Wow! This researched article below gives some insight.

Having the right insurance protection up front gives you a barrier to disaster financially while dealing with the physical components. Take time to talk. Don’t go this alone. Whether we can help you or someone else, it is always worth talking through openly and honestly and expeditiously. It might be impossible to predict the onslaught of a major medical expense, but there are ways to hedge against them with right insurance and planning.

Give me a call and share your concerns. We can listen and assist you with information you may not have .

https://www.theatlantic.com/health/archive/2019/03/hospital-bills-medical-debt-bankruptcy/584998/

3 things to do this National Consumer Protection Week.

Reposted from the CMS email. Great stuff. The Center for Medicare and Medicaid Services administrates all medicare, advantage programs, prescription drug, supplements and more. The insurers and agents and medical providers that work with these must adhere to CMS guidelines. Of course the image is mine.

How to fight Medicare fraud & protect your identity

Happy National Consumer Protection Week! Now’s a great time to brush up on your Medicare rights and protections, and take action to protect your identity.
Here are 3 things to do:

Protect your identity. Identity theft happens when someone uses your personal information without your consent to commit fraud or other crimes. Guard your Medicare Number and card, and keep your Social Security Number safe.

Help fight Medicare fraud.Use your MyMedicareaccount to stay on top of your claims. If you find errors or fraud, report it to us. Don’t have a MyMedicare account yet? Sign up for free at MyMedicare.gov today.

Know your rights. You have certain rights and protections designed to make sure you get the health care services the law says you can get.

Sincerely,
The Medicare Team

This message is paid for by the U.S. Department of Health and Human Services. It was created and distributed by the Centers for Medicare & Medicaid Services. You’re receiving this message because you signed up for email updates from the Medicare Team.
Please contact support@subscriptions.cms.hhs.gov if you have questions or problems with your subscriptions.

This email was sent to phil@solumcommunity.net using GovDelivery Communications Cloud 7500 Security Boulevard · Baltimore MD 21244

The Voice of An Empowered Generation

Psalm 90:12 So teach us to number our days that we may get a heart of wisdom.

Over the last few days, I have been convened with a little under 1200 grandparents pursuing legacy. There are people of prayer here. There are people of faith here. They have wisdom and they want to be heard. They have a voice. It says. Cherish family. Protect and value life. I will finish strong and loud. God matters. Be prudent and reasonable in government and community and business.


One of the visions cast is to go to national media with the message. This quick video says much of it. Envision a super bowl commercial. Envision bill boards. Envision the magazine. Envisions social media. Envision the message loud and strong and NOW.


Our days are numbered. The countdown to eternal destiny shortens by the day. Our time is now.


This generation of senior adults will live longer than any before. The boomers will be around for a few more decades. In those decades the voice must be heard. The message must be spoken loud and clear.
Cherish family.Protect and value life.I will finish strong and loud.God matters.Be prudent and reasonable in all you do.


grandkidsmatter.org is the core information and training site for the National Association For Grandparenting headed by the chief visionary, Dr. Ken Canfield. For 17 years, Ken and I have worked together in the National Center for Fathering (NCF) (fathers.com) and now the NAFG.
Be a joiner. Be a supporter. Watch this video and imagine many such with the core underlying message.

Inspiration for Others

Wow.  Read through this article.  This amazing woman and her friends are taking advantage of their good health and trekking.  A cross country trip promises to inspire all of us.  After you finish this story, zip over to the notes from Dr. Ken Canfield on modeling a strong and healthy marriage as part of a strong and healthy lifestyle.

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https://www.tallahassee.com/story/news/2019/02/18/77-year-old-called-bike-across-country/2901220002/

Grandkids Need You to Model a Strong & Lasting Marriage

New Days and New Ways

Phil and SOLUM are on a new adventure.  After almost two decades of working with Dr. Ken Canfield first at the National Center For Fathering (fathers.com) and now the National Association for Grandparenting (grandkidsmatter.com), we lauched an insurance benefit initiative for you, the grandparents and parents of generations.

Our non-profit outreach SOLUM Community Transformation Initiative is thriving (solumcommunity.net) and fixing fractured families.  Now we are here for you to help you build your solid financial foundations, secure important relationships, and launch your legacy into generations through benefits development with NCF and GKM.

Join us on the adventure.

We are leaving all of our blog content on management and wanderings for you to peruse.  No use throwing out. We will reorganize a bit to make it easier, but there it is.

Engineering Sanity

As a process engineer this story is just too real to ignore.

My wife gets great service at Big O tires. I appreciate that a lot. So I use them, also. Auto work is always long no matter where you go. Price is normal, but if you take care of my wife, I like you.

I get mediocre to bad service from Big O tires. It is always a hassle of change orders, out of stock surprises, and long waits with a whiney TV in the foyer. So I bring a computer to get work done. But they serve my wife well and I appreciate it.

The biggest frustration has been being told each time for a decade that I don’t exist and have never done business with them before. I have spent thousands of dollars with them. Tires, brakes, alignments and more get done there. But they serve my wife well.

Today, here we go again. I went in a week ago to get warranty on an alignment and two new tires on the front. They as usual are out of stock. I made the appointment for 7:30am for today in hopes I could get on with my day. Two days ago I confirmed with the salesman. It is 11am as I write this. 4 hours for a 30 minute job. They did not have the tires and had them brought from another shop. These are not the tires ordered, but they will work.

As usual each time the told me my truck and I are not in their system. I was rested and ready for the wait, so I thought for a minute. How can they be so lost? So I went out to my truck and got out a past warranty and looked at every identifying field. There was VIN, model, year, date, address, and my wife’s name. All this time, they are looking for my name and I don’t exist. Apparently their system can’t look up all the other identifying information. The adept front desk worker offered to put my name alongside my wife’s so they could find me in the future.

Processes are designed to enable ease and allow you freedom to think versus make the simple decisions. Think. Think. Think. Your customer will appreciate it.

Service still is long and drawn, but they serve my wife well and now I have a name and the next time they might serve me better. I hope it doesn’t affect her being served the next time.

Character is Built in The Night

Psalm 16:7 I will bless the Lord who has given me counsel;
My heart also instructs me in the night seasons.

The hidden man of the heart decides most actions. Among the mental health solutions most recommended for depression, anxiety, PTSD, and both process and substance addictions is a regimen named CBT.  CBT stands for Cognitive (Thinking) Behavior Therapy. Address your thoughts and your actions will follow.  Follow with your actions. You are what you think. You become that on which you mull and meditate.  Your actions come from the inner man, the heart, the soul, the mind, the will, and the emotions.

Character Guides Profit

The product of business is profit.  Profit is a good thing unless it is the only thing.  Why do I want to profit?  Have I built a character base to guide my gain? Two good friends come to mind.  Both are wealthy.  Both focus all gain/profit on expanding the kingdom. Yes, they live fulfilled lives, but not over spending lives.  The amounts they give to kingdom works and benevolence is outstanding as a percentage of profits. Another, “Christian”, friend spends his profits on himself.  He travels extensively and posts all over Facebook of his travels and love for family.  His gain is his gain. He shares some of the wealth, but his focus that he shares is himself first and God when convenient.

The first two friends fulfill this proverb of the seventh verse. First, they bless the Lord not just with words, but action.   They recognize that God gave them wisdom and access to wealth.  In gratefulness, they give back and bless Him and His work.  Second, they are extremely prayerful men.  They take everything to heart.  They are persistent disciples of Christ and run their businesses with compassion and Christian disciplines.  Their hearts (mind, will, and emotions) are guided even when they sleep and especially in hard times (night seasons).  They do not become a different person under pressure because their heart is secured to His heart.

Character Guides People

The product of a community organization is people.  Whether you are the Salvation Army or a church or the local women’s shelter, you are focused on people.  You need finances, but that is not your product.  The same questions apply.  Why do I want to touch people? Have I built a character base to guide community gain?  A conversation with the mayor of a community we reach revealed his heart. We spent hours discussing how to develop the hearts of the people in the community alongside all the economic growth and infrastructure changes.  Discussions with other community leaders takes the same direction, but not all.  Some want to tear down old houses to “clean out the rats” or “take away places for crime”.  Others want to tear down old houses to deliver kinder, gentler neighborhoods and encourage growth.   There is a difference of heart.

Character Comes in the Night

Struggles reveal the deep meditations of the heart. Profits will be challenged.  Our people touch will be challenged.  At those moments, we go back to character built in other moments to make our decisions.

Character is built by quieting our fears with faith.

Character is built by quickening our faith in the face of risk.

Character is built by quickness to turn to God when nothing seems solid.

Character is built by quietly meditating on His wisdom in His Word when all is well and our thoughts are clear.

Character is built in the inner man to be exposed by the outer man of actions.

A few years ago, my wife and I had major decisions to make concerning our future contributions to profit and people.  For days, we locked ourselves in prayer.  Intense hours were spent reading scriptures and prayerfully considering our future lives.  Each option in front of us had risks and gains.  Today as I look back, the choice was made from a life of handling risks and gains in God’s grace not just the few days of prayer.  Our

impact is many fold what it had been.  Our finances are nowhere near where they were, but our people impact is exploded. Deep character is built in the night.

solumleaf

Phil 405.388.8037  phil@shepherdok.com 

 

 

Pleasant Places

The lines have fallen to me in pleasant places; Yes, I have a good inheritance. Psalms 16:6 NKJV


Know Your Partners

“Everyday your competitor gets up to take away your business.”

A mentor and partner spoke that to me at a critical juncture. Later his competitor nature surfaced and he took away the business. Daily, I served the partnership in expectation of continuing reward. I should have listened more closely.  I thought he was talking about someone else. He was warning me of his nature. I was duly warned. My bad.

In Aesop’s fable he tells of the duck and the scorpion.  The scorpion convinced the duck to give a ride across the water, promising he would not hurt him. With caution and compassion the duck agreed. As he jumped off the duck’s back at the end of the ride, he stings and kills the duck.  The duck astonishingly asked, “Why?”, as he dies. Scorpion replied, “I can’t help it. It is my nature.”

After dealing with such, we find it hard to trust a faithful and good God. He defines a great path for those under His grace and protection. It is His nature.  He also has a nature of justice and just retribution, for those who live outside His path. We need to understand both and chose the path of greatness that appeals to His protecting and providing nature. Once we become family, He stays with us.

The beauty of God is His unchanging good nature.  We might shift, but He does not shift. He puts us in a world of reward and growth. Our defining lines of strength are given and He does not change. Yes, we choose to live in them or not, but He does not change. When He commits, it is forever.

Know Your Swing

 I didn’t learn how to swing a golf club until late in my career. And even though I won all those tournaments, I still struggled with consistency, and I relied on my strengths, which were hitting the ball long and high, and I could chip and putt with the best of ’em. Tom Watson

Watson gives great insight. Gold is not my thing.  I play for fun and friendship. When I take out a new ball, I paint a smiley face to remind myself why I am playing.  Each has ability and strengths.  Weakness is hard to fix. Cover it with strengths. Adjust and play to your best side. Early in my career, I found a ready and excellent skill to fix broken processes and develop others.  Those skills serve me every day. I enjoy them. They have served me in retail, print-publishing, discount, non-profit, community, and healthcare concerns. The skills are adaptable.  What are your skills?

 Three Hats Check this out.

Know Your God

In business and community, God is faithful to give me good.  Companies have folded and sold. Partners have shifted and shafted. In all, my contract with God has held solid. We always stay together and the situations always work through to good benefit. My lines have fallen for me in pleasant places. They can for you, also.

Balancing the Cart

Those who run after other gods will suffer more and more. I will not pour out libations of blood to such gods or take up their names on my lips. Psalm 16:4 NIV
Developing life, business, and community can at times take too much of us.  Our pursuit takes over our thought life and overall sense of well being.  When that happens, our balance is tipped and the joy begins to retreat. The Lord sees that.  He wants us to enjoy balance.

“Faith gives you an inner strength and a sense of balance and perspective in life.” Gregory Peck

Many gods consume attention. Social climbing, physical beauty, happiness, perfect health, good works, education, personal fulfillment, recreation, profit, and religion are a few of these gods. They do not need to be of wood or stone or precious metals. They only need to take our primary attention away from The God.

Every one of these gods mentioned is good. They build us.  They build our lives and the lives of others. Each develops a component of life and society. You need to develop socially, physically, mentally, financially, well being, personally, benevolence, and expression of faith. They only become a god when we worship and serve above our worship and service to The God and His desire. Anything that becomes bigger than Him destroys. Our creative design is upset.  Enjoy all of life starting with the God component only He can fill.

Businesses and organizations become skewed. Over focus on profit and mission disallow balanced lives of colleagues. The corporate man or woman must conform to the corporate look, feel, and religion at unreasonable levels. Eventually, it fails. A certain freedom of personal balance needs support.

Personal lives become skewed. Drive to look good or have the best or promote personal opinion stifles faith, family, and friendship. Love becomes violent. Hurt replaces health. Anger stirs and streams.

Three of the Ten Commandments focus on: 1. God first 2. God honored and respected 3. Keep His days separated to worship and rest. The others speak also to family, finances, friendships, community, and order. The Lord of Creation wants us to be balanced and fulfilled in Him and others and self. He is not hung up on hard living.  He is hung up on us living fully and healthily in spirit, soul, body, mind, will, emotion, wisdom, wellbeing, relationships, and family.

Consider the layout of your week.  Prioritize time in each day and the Lord’s Day to worship Him. Prioritize your relationship with Him. Many distortions can be healed through a simple and top priority friendship with the Creator.

Have a great day. The Lord of All is on your side. He is FOR you.

Phil@shepherdok.com 

Delightful People

I say of the holy people who are in the land, “They are the noble ones in whom is all my delight.”
Psalm 16:3 NIV

Every journey in business and community begins with company. in those people you will find help, strength, wisdom, grief, betrayal, loyalty and a thousand other characteristics. Mixed in those people are people of the Lord’s tribe, so affected by Him that they bring Him to every meeting, every workday, and every interaction.  Thy aren’t preachy or perfect, just different.  They are refreshing. You find Him in His people.  That is where He lives.

Separated to Him is a God thing. These people don’t follow the flow of lemmings. They are hard and faithful and caring individuals. This world must lose hold and the Master gain influence. If you join them, you are a separated and distinctive and peculiar people. Love His people. In some ways we are strange as we become more like Him. Love these people. Embed yourself in them. Become like them.

Noble people are loved of all.  True believers are loved by others because they are loving toward others. And they are noble.  They stand above not aloof. They are not haughty but distinctive. They are repulsed by the banal but not judgemental. They are turned off by the crass, but understand why others live there. This is the Lord”s people.

Delightful people give us a place to join and are grateful to serve. The Lord’s tribe is an open table. Anyone with the committed heart is welcome to join.  Anyone can sit at the table and try out the food to decide.  The committed join. These people know how to explain their love of others and service to God without being offensive. There is a delightful place for all.

 “Gratitude unlocks the fullness of life. It turns what we have into enough, and more. It turns denial into acceptance, chaos to order, confusion to clarity. It can turn a meal into a feast, a house into a home, a stranger into a friend.” Melody Beattie

In all things be grateful for the Lord”s noble and grateful people.  He builds a living monument to His love and mercy and strength and calls it a family.  You thrive in the family. A business or community endeavor will grow with the influence of these.

Once at a lunch room table, a rather crude man rose to tell an off color joke.  It was obvious and his normal habit. Off color usually means sexual lyrics or racially demeaning.  A loving believer quietly pushed back his chair to exit the conversation.  Just then as the joke opened, a woman piped up, “Really. Jack (the believer), doesn’t want to hear your joke and neither do I.  Why not keep it for the bathroom?” The others at the table chuckled and nodded.  Jack settled back in his chair and the air stayed clean.