My Life (right now) in numbers

Yesterday I woke up around 6am with my teeth chattering.  It was really cold in here.  I got out of bed, stumbled into the living room and turned on my tv to the local news & weather.  They were reporting it was zero degrees, with a -15 degree windchill.  Brrr!  I hopped over to my thermostat to turn on the heat and--waitaminute--it was already running.

But it was only the unit's fan.  When I put my hand over the main vent, I just felt cool air.  Uh-oh!  I looked at my handy digital thermometer on my bookshelf (right).  The temperature in here was 48F.

A few years ago I would've stressed.  But I've been living in this building for 7 years now, and this happens once or twice a year at least.  (We have a weird central heating system where only random apartments on random floors are affected.)   

I fished out my little electric heater I bought last year for such emergencies, and waited for an email from Steiner that said they were aware of the situation and were on it.  I got the email an hour or so later, and my heat was back on later in the day.

At lunch I was telling a friend on the phone about it, and she said I should look for a new place.  A little later I was talking to my sister who said "I love your apartment".  I don't love it, but I DO like it very much.  I wasn't even upset when they announced my rent was going up to $920.00 effective April.  Want to know why?   

1. Studios in my building are renting for $925 and one bedrooms (like mine) are going for $1020.  
2. My old apartment is renting for $925.00 but isn't as nice as this one.  And the rent there doesn't include any utilities.  My current place includes heat, water & trash in the rent.

So, it doesn't look like I'll be moving anytime soon.  This temperamental place is my home.

I'll be turning 65 this year, on October 31 to be exact.  I'll be switching over from Obamacare to Medicare.  Since Trump and his nefarious administration ended those extended ACA subsidies, my insurance premiums went from $121.22 a month to $281.52.   That's a 233% increase.

I actually felt guilty for paying such a low amount in 2025.  Does the higher amount make me feel better?  No, that's an awfully big jump!  But I know Medicare (Parts A & B) are around $202.00, so if I can find a good Medicare Advantage plan that doesn't charge extra... 

I just got my 1099-INT & 1099-DIV forms for my personal investments.  In 2025, I earned $20,872.00 in interest & dividends.  (It gets deposited automatically in my bank account.)  

That may not sound like a lot, but I live pretty comfortably on $30,000 a year.  And now, starting in February, I'll be receiving Social Security.    

Y'know, the dumbest thing I did in my life was take up smoking the summer before I turned 19.  (I didn't quit until my mid forties.)  The smartest thing I did was take the money I'd been saving for a house and put it in the stock market in 2003 when my girlfriend at the time dumped me for another guy.  

I don't think there's anyone out there reading my blog under the age of 50, but if there was, I would tell them to get their money into the stock market as soon as possible.  Just call up Schwab or Fidelity or Vanguard and ask what the minimum amount is for their S&P or Total Stock Market Fund.  It's a lot easier than you think.

Finally, after umpteen years I decided to retire my old banner below.  The older I get, the less I looked liked that photo of myself from 2011.  

I'm still not sure how I feel about my new one, it's not a great photo (I have a 2 day growth of stubble and my eyes have dark circles) but I'm just keeping it real, folks.  Thank you for letting me share, and I hope everybody is staying warm out there!