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FREE Medications for Seniors and Fixed Income – Patient Assistance Programs Save You $$$$$


Several years ago, my little mama’s medical crisis dictated that she be prescribed very specific and costly medications. At 78 years old, and having been independent her entire life, she was not about to become dependent on her children due to the cost of her medications. She was a proud little lady and simply would have done without the medication rather than ask for help to pay for them. Unfortunately, the medications she was prescribed came to something like $836 a month. This was simply cost prohibitive, when you consider that her entire monthly income was a mere $914 per month. Which is where I stepped up to face the challenge facing many senior and fixed-income citizens. Now, keep in mind, this was before the days of Medicare prescription coverage, so perhaps Medicare covers a great deal of a senior citizen’s medicines these days, I don’t know. I only know that it became my personal mission to find out everything I could about obtaining for her free and reduced cost medications. My mother’s doctor was quite amazed that the programs I found were out there and asked me to help him help others of his patients whose incomes were such that they could not afford their medications.
I figured that this is some pretty good knowledge to pass along… so, if you have been prescribed costly medications which you simply cannot afford, here are some steps you can take to obtain your medications at no (or reduced) cost.

1. Start with your physician. Most physicians keep a sample closet from which they are able to dispense sample medications to their patients. They can’t dispense them indefinitely, but most can supply needy patients with a month or two of free samples in order for the patient to have time to get enrolled in the free programs. The best thing to do is get to know your physician’s secretary or medical assistant. Find out who in the office takes care of the sample medications, and seek their assistance. Let me preface all this to say that the medical assistant’s job is very difficult. Most physicians see about 40 to 50 patients, and the assistant may take a couple of hundred calls each day. They’re dealing with numerous medical and personnel, sick patients, pharmacies, other doctors, and each other, so be prepared to “wait in line” in order to get a moment of their time. Waiting patiently and being very nice will take you a long way toward getting the kind of help you need, and once you receive their help, an expression of appreciation is certainly due. This can be as simple as a smile and a sincere “thank you very much.” However, in one or two instances, where the medical assistant not only went out of her way to gather the medication (she called around to other doctors’ offices to get enough for a month’s supply), but also went out of her way to deliver it, I felt that a small plant or appreciation bud vase was in order. Again, I cannot over-emphasize the importance of being appreciative of her assistance-you will need her help as you proceed in the free meds programs, because the doctor must complete a portion of the paperwork. A good working relationship with his medical assistant can smooth the way for prompt paperwork submission.

2. Next, talk with your pharmacist about the medications being prescribed: who makes the name brand? are there generics? This is not as easy as searching for the best vitamin c serum for face, if so, who makes the generics? do they have an 800-number for the drug company or representative? what is the company’s website? Gather from the pharmacist all the information you can about the drug and the drug company.

3. Third, it’s time for a little research and time to hit the search engines. However, be prepared, because often the patient assistance programs for drug companies are hidden somewhere deep in the website where you might least expect them to be. Other times, it’s right there in the open, marked “Patient Assistance” or “Community Assistance” or something close to that. A great website to look at is the Pfizer Pharmaceuticals at www.pfizer.com. Pfizer’s website is very easy to use, and Pfizer is a company with a GREAT patient assistance program.

4. Once you have located the patient assistance program, you’ll either request a form online or phone the company and ask for a form. Sometimes, the patient assistant contacts will fax the form, and you’ll be able to get the program moving much faster. Find out all you can about the program and how long it may take to get your medications started. I found it took about 3 months most of the time. Your doctor will have to complete some portion of a form, as well as write a new prescription, and mail these to the pharmaceutical company.

5. You will be expected to send in a statement of income once per year. You’ll send it when you begin the program, and then each year thereafter. For Social Security, you send in the annual statement of income sent to all recipients of Social Security.

6. Once your form has been completed and your physician has completed his form and written a prescription, it must be mailed to the patient assistance program. Some companies require that the physician do it (in which case, you’ll get better service if you supply a pre-addressed, pre-stamped envelope).

That’s all there is to it. With some pharmaceutical companies, it takes only a few days from their receipt of all your paperwork to have a decision about whether you are accepted and will receive your free medication. If you are denied for any reason, don’t get upset, don’t get angry-just calmly ask the patient assistance rep how you can appeal the decision, thank them, and follow whatever steps they have outlined.

I hope this information helps you get the medication you need. I was very fortunate in that I was able to get almost all of my little mama’s medications. Rather than pay some $836 per month for meds, she paid only $23 for a generic at the local pharmacy. The patient assistance programs provided everything else. So best of luck to you in getting your meds. I would love to know how you do.

* * *


Let me explain a little about the patient assistance programs. They all work differently. Some pharmaceutical companies join a group and have the patient assistance program administered together, like “Prescription Rx.” Others administer their patient assistance program in-house and their own personnel take care of the entire program. Some are very helpful and easy to work with; with others, it’s like fighting hornets or something.

Most of the time, they have a set household income limit. For a single member household, the income limit is usually around $18,000 to $25,000 per year. Each program is different as to their specific income limits but most are somewhere in that range.

As far as their operations, again, they all differ. Some have you complete the form and then your doctor completes his portion (and writes the prescription) and sends it directly to the pharmaceutical company. Others handle everything by fax. Most send the medications directly to the doctors’ office and you must pick them up (your doctor may be willing to mail them to you). Some send the medications directly to the patient. Some send you renewal forms every three or six months (Pfizer does this). Others expect you to keep up with your prescription expiration and call in (either to your doctor’s office or to them directly). Some will send you a year’s supply at once; others send the medications out in 3-month shipments. When you get an 800-number to call or a website to visit, these are the kinds of questions you will want to ask the patient assistance contact.

The best advice I can give you boils down to three simple things:

– KEEP A LOG OF YOUR CONTACTS: Write down the name, extension number, date, time and detail of every call you make to the drug company; this will come in very handy if your medications don’t arrive as predicted, and you’ll be happy you have this log.
– BE NICE: consistently be kind sounding-don’t grouch or grump or grumble.
– BE PERSISTENT: these programs are designed to help you but they don’t want to make it TOO easy.

Rebranding the Republican Party!


With the stunning defeat of the Republican Party in the recent presidential and legislative elections, the party is yet to reshape itself into the party of the people. Republicans are a minority in both houses of congress and their numbers are likely to shrink once more with upcoming elections in 2010.
Every country needs a strong opposition party. The prowess of any country could be discerned from the strength of its opposition party. The government needs a strong opposition to keep it constantly on its toes and so the confusion within the beleaguered Republican Party should not be a cause for laughter-though the freely given source of laughter is an economic stress reliever.

In an era where partisan politics has hijacked the course of events, reward for loyalty the key to political success and where personal gain is the traceable footprint of many elected officials, voters can no longer afford to dice away the opposition party.

In one of the most historical campaign blunders, the Republican Party chose to fight unity with fear even with the voter’s obvious preference of unity over fear. The Republican Party has shown continued intransigence and disharmony on what policies to articulate, when to articulate them and how to navigate the political subtleties that have often backfired on the party. The party has ceased to be the party of NOW, but remains ever eager to announce it is still the party of YESTERDAY.

Unlike opposition parties in developing countries that suffer from government oppression, the Republican Party suffers from an identity complex. Policy articulation still baffles the GOP. For example, the party fails to distinguish small government from smart government. A small government strives to be small while the goal of a smart government is to stay smart.

This dissonance in articulation is reflected in the GOP’s stand on a host of issues including small tax and smart tax. Although the world rolls round and changes, the GOP still drags its feet and is yet to match the fast and changing dynamics of evolving social principles.

During recessions when many businesses are looking up to the government for mitigating policies, the Republican Party obstinately articulates limited government activity which is in contrast with public expectation.

The Republican Party has taken delight in highlighting terrorism over economic recovery. In times of economic prosperity, terrorism could become a decisive factor as people become more worried of losing anticipated pleasures. During hard economic times, people worry that their livelihood is gliding away.

As one of its peculiarities that it is yet to match the changing pace of time, the Republican Party still has a less than ideally defined role for women in the society. Within the party, equal pay for equal work is a silent taboo. While the treatment of women in other parts of the world or religions are viewed as abhorrent, the reference to women rights within the Republican Party is apparently a reference to better but limited rights-indicating that social evolution is still to attain an optimum progress.

Politics is a clash of ideologies. Ideological clashes often gives rise to a more resilient, dynamic and flexible political process. It is this clash that makes politics fascinating and the exclusion of moderate views prevents the occurrence of any clash and hence any fascination.

No one would dispute the fact that even the Republican platform might not have gone far enough for some people and that it might have gone too far for others. This is a tacit implication of the moderation of ideas and to deny this truth is to deny that politics is not a clash of ideologies. With some Republicans saying the Republican Party has only Republicans and no moderates, it makes one wonder if the party is engaged in a political process or religious adherence.

Conservatives are yet to define for themselves who makes a good representative. When Mike Huckabee a former Baptist Pastor was asked what Jesus would do about the death penalty, he said “Jesus was too smart to ever run for public office.” In a sense, Mr. Huckabee was insinuating that religious faith is not a barometer for smart governance.

Quite ironically during his presidential campaign, Huckabee outfoxed his opponent Mitt Romney in Iowa because of his association with the Mormon faith. Despite dodging the question on death penalty which his faith, Christianity, literally condemns, the religious right still rallied behind him as their candidate in Iowa. To be a party of religious faith today and cease from it tomorrow makes the party look incoherent.

Today, the GOP does more to dig its internal problems than stress how the party’s platform and ideals are starkly different from those the democrats posit. Party discordance is a natural phenomenon which sometimes breeds formidable strategies. Unfortunately, the current disagreement within the Republican Party has not been confined to the party.

With little coordination of internal debates in the GOP, the media has adeptly filled up that vacuum by moving internal debates to acrimonious media sensations leaving the Democrats smiling ear to ear. The media has taken the role of providing the latest round of debates, stirring one controversy over another, and tossing the GOP around like a game of ping-pong.

Winning requires team work and team work comes from studious deliberations. The recent media outbursts portray a party that is inept and incapable of resolving conflicting ideologies through robust discussions. The party only comes across as quick to blame, but lacking the understanding to repair.

To be a sounding cymbal about anything going wrong only works if you do not make cries your main platform. The GOP is increasingly seen as the party to call attention and not the party to offer real solutions even to heal internal wounds.

As conservatives struggle to resurrect themselves and begin to broaden their conservative appeal they would have to accept the bitter truth that as time changes and with the world growing smaller, political ideologies can not afford to be indifferent. It is not the GOP’s message that seems to be the problem, but the GOP’s stubborn adherence to an ineffective way of conveyance, an articulation from several quarters so virulent that the GOP’s message is rendered disagreeable in every sense, they’re desperate enough to use water bottles custom label as advertisement.







What You Need to Know when Learning HTML Web Design

When first starting out at HTML web design it is important to first determine your level of programming knowledge and your needs. At a very basic level anyone can design a HTML website, using user friendly web design utilities from a range of companies, one obvious one being Microsoft Office Publisher, any free on-line website builder or the HTML web design packages offered free when paying for a web domain and web space. The problem with the easier user friendly HTML web design utilities such as these are that they will create very bulky, scatty code that isn’t interpreted very well by search engines and will become more and more frustrating as you just can’t do all the things that you can do if you learn to programme in HTML. But if you only need a very basic website without needing to be ranked highly in Google web rankings, then this may be the best option for you.

Another very simple option, would be to download a free template of a website and adapt it to your needs. This saves days of designing and some are very professional looking. I actually started out using HTML web templates and began to learn HTML codes when adapting my web templates for my own use. Be sure that if choosing to learn HTML coding from scratch, is a long journey that was rewarding to me, but required many, many hours of hard work. Be prepared to spend at least 3 months studying HTML web page codes before things start to really make sense.

If this hasn’t put you off and your willing to put the work in, then I would suggest getting a good HTML web design package that will allow you to work in ‘design mode’ and also in ‘HTML source code mode’ simultaneously. This means you can start off using the ‘design mode’ and slowly introduce yourself to the ‘HTML source code’. I personally use Dreamweaver, its very widely used so there are allot of help forums, giving specific instructions of pretty much anything you need. This is something very important when choosing a HTML web design package, make sure there’s enough user support on the web related to that package, for when you get stuck, because if teaching yourself HTML website design you will be using the Internet for guidance most of the time. To give yourself an idea of what HTML code looks like just open up a web page in notepad, the raw code you see is HTML code, so understanding this code is a must to produce quality high ranking web pages. Being abreast with this can make you equip about  top digital marketing strategies.

Good luck to anyone who puts the effort in, the rewards for me were very worth it, as it brings understanding to how web pages rank highly in search engines and opens the doors to lots of new opportunities!

10 Things that Can Get You Fired

Even though you are great at searching available your dream hospitality jobs, freelance gigs, corporate works or those work that enables you to do what you love to do, we still create mistakes along the way. Even the best of us make mistakes. It’s part of being human, and it’s how we learn and grow. While most mistakes can be forgiven and overlooked in the workplace, there are some types of behaviors that are just plain unacceptable at work. These mistakes and behaviors will often result in disciplinary actions, from written and verbal warnings to immediate termination of employment. Regardless of what line of work you are in, here are ten things that will get you in big trouble at work.

1. Using the computer for personal use. This seems to be an epidemic in the modern workplace. About fifty percent of the employees I have fired over the past few years were fired because they felt it was their right to use company property in order to chat with friends, play games, or shop online. Playing games on company time while using company property is unacceptable, plain and simple.

2. Irresponsible spending. It is easy to spend someone else’s money. Many employees who are involved in product ordering and purchasing supplies are under the impression that their employer has inexhaustible wealth. This is not the case. When we trust an employee with a business credit card or checking account, we expect an employee to use them responsibly, not go on a shopping spree. Certain things, like ink cartridges and paper clips, are legitimate purchases. Other things, like personalized coffee mugs for the break room, are not.

3. Ego. Making statements like “That’s not my job” or “That job is beneath me” are surefire ways to get on your employer’s bad side. Either you are a team player or you are not. There is no middle ground. Part of being a team player is to do the occasional grunt work when it is required.

4. Taking excessive sick days. If everyone else in your workplace misses three or four days a year due to sickness, and you miss thirty-five, you just might want to update your resume because you will soon be looking for a new job.

5. Sexual harassment. The workplace is not your personal dating scene. Come to work ready to work, not to hook up with the new girl in the marketing department. Not only is this behavior unprofessional, but it places your employer at great risk. Settling sexual harassment lawsuits aren’t cheap, and they can tarnish a company’s reputation.

6. Theft. Which is worse: stealing a car or stealing a stapler from your office? They are both the same. Theft is theft, and it is wrong. Just as you can’t murder someone “a little bit”, you can’t steal a little bit. Whether you steal a dime or steal a million dollars, you are still committing an immoral and illegal act.

7. Arguing with a client or customer. The customer is always right, even when the customer is wrong.

8. Missing scheduled meetings. Most employees are expected to attend staff meetings, whether they like it or not. Habitually missing mandatory staff meetings shows that you are not a team player. If it were permissible to miss a mandatory staff meeting, it would be called an optional staff meeting.

9. Bad attitude. An employer would rather have a dozen mediocre workers with good attitudes than a dozen outstanding workers with bad attitudes.

10. Failure to take responsibility. We all make mistakes, and good employees own up to them. Constantly pointing the finger at other employees will not get you out of trouble; it will only show your employer that you are incapable of taking responsibility for your actions.

These are the ten workplace sins that may not only result in the loss of a job, but a loss of reputation as well.

Years of Fears

For countless decades, more than 7 billion people (some alive, some dead) have made their resolutions every time a new year begins.  Some resolutions are hedonistic like, “I will make tons of money this year.” There are some that is for the goodness of health (or not) like, “I will always climb the stairs this year even if I would have to ascend a 30 story building.” While there are others that are effortless like, “I will always sleep.”

Resolutions have been an annual practice for us because when we were still in elementary, even in high school; our teachers would always ask us to write essays about our resolutions. Also, there are some parents who always enquire their children, “What’s your new year’s resolution my son/daughter?” And let us not forget that media is also partly to be blamed.


If resolutions could be accounted every single time they are made, there is no doubt that if they were living creatures, they could outnumber the present population. One could even surmise that the land that we are living in right now would be insufficient for the resolutions to live in.

However, for even just one time, have you ever tried not making any resolutions? I have. Why, do you wonder? It is because we are living in fear Fear of heghts, of new beginning, of being in a new place, even fear of failing. I personally am afraid of falling to reach my dreams. I am dreaming to become a web developer, that is why I am investing my time of learning the tricks of hosting ranking.

If you would ponder about it, the rationale why we make resolutions every year is because we were unsuccessful in achieving these resolutions during the previous year. And since a New Year will be beginning, we are afraid of not being able to accomplish again what we have set out to do in the outgoing year. Not only are we frightened of not being able to accomplish them again. We are also fearful that if we do not change for the better, we are scared that we might be in the streets wandering and pleading for cash or food, or our bodies floating aimlessly in a body of water, and other instances that we would not want to see ourselves in.

Take for example this resolution, “I will become thriftier this year than I was before.” Sure, you would think that a person who makes this as a resolution is somehow stingy. But if you think about it, he is terrified. He is afraid of not being able to afford his wants or his needs. He is fearful of being unable to live. He is afraid of the future. There is nothing wrong with worrying about it. But try to spread your wings a little wider. There is nothing wrong with spending money. There is nothing wrong with saving either. What you should do is to be more watchful of your expenses and avoiding splurging it for nonsense. It is not about being safe or cautious. But it is about spending the right amount for the right reasons. As the famous cliché says, too much or too less of anything is bad for you.

Finding comfort in my city

With all the excitement one feels upon stepping into the grounds of the city, one place can give you calmness and solace after a day’s city experience.

Situated in the outskirts of the city is what every tourist can call home away from home. It is a cozy, laidback hotel amidst the cool, breezy atmosphere of the summer capital off the country, is known to give you the much-need R&R while exploring the wonders of the culturally-rich city and its nearby destinations. Staying true to its name this chalet boasts of its wooden interiors and exquisite yet soothing ambiance.


From its rooms to other amenities intricately designed in cool, neutral tones, it prides itself for offering a one-of-a-kind experience, giving every guest a value for their money. Its 60-rooms give you a scenic view of lush trees which sways with the gentle, cool breeze, truly an inviting call to explore what the place has to offer. Every room is equipped with air-conditioning, safety deposit box, bath amenities and telephone.

The room reservation also comes with daily breakfast and wifi access. For available services, guests can have room service, laundry service, and 24-hour security with CCTV surveillance. It also has a 24/hour security for parking so you need not to worry on maintaining your car whenever you are away. I so love this place! It is also where important moments happen.

It gives emphasis on sharing the experience with family, friends, and even colleagues.

The place has amenities that not only fit for families, but for businesses and organizations as well who would like to turn their functions room as their venue for their gatherings and celebrations. It is proud to highlight their three function halls, with 150 seating capacity, which are perfect for small events up to the grand ones. The venues are designed for business conferences, wedding receptions, debut, seminar, birthday parties, and teambuilding activities.

The hungry tummy will not be disappointed to its cafe offers you an array of food variants that fits everyone in the family. But if you want to know what the restaurant is best for, try their trademark Churros and pair with a warm dark chocolate drink after. The dining area, formerly known as Dulcinea, likewise give you a scenic view that lets you enjoy the calm feeling of being away from the bustling city life.

A Nice Story on the Road

In every road we take, just as in life, there are many inspiring and heart warming stories that will strike our heart. One of which was when I met a woman while on the road. I was driving my car on the way to family reunion some time ago. I was arranging my dashcam, and i was also trying to dashcam test 2018  it, when I saw a young lady who might have been in her early 20s who signalled that she will hitch hike. I am not the type who agrees with hitchhiking. In fact, I haven’t met someone and let someone into my car, someone i do not know will not enter my car alone. But there is something with her. I think she needs help and so i agreed to. She said she will go to a charity house, an orphaned for the poor and the elderly near the town i will go to. My sister had arrange a private event in a resort hotel near the charity house.


And so I agreed. She is Marga. She is a 23 year old volunteer who is looking for someone to help her their faster as she is running out of time. She said she is just fulfilling a promise to an elderly woman to bring her back a photo album in their old house which is now abandone. The photo album, which contains memorable photos of her family, has been left in their old house and the old woman was looking after it. She said she wants have it in her bed, wants to look at it every time she will sleep and everytime she will wake up. Marga, who then was talking to the old woman, promised she will look after it and will do the best that she can. When she found it, a volunteer in the charity institution said the elderly woman is now looking for it, crying, and pleading as if she is being crazy and Marga knows the only way she can be calmed down is through the album. And now, I saw heer on the road. She said she can’t book a bus ticket going their because it’s the holidays and many people have already pre booked their ticket. In short, she was running out of tickets. She can’t wait until tomorrow. And so she started walking hoping to find someone who can help her. She thanked me and gave me a bracelet whom she said she hand made. It was a beautiful hand crafted bracelet which I am now wearing. Anyway, I did not know what happened next but all i know is that I am happy for being able to help people. I know that little favour made ripples and some people’s lives and even though I do not know them personally, it is as if I have fulfilled something that cannot be bought by money alone. And I feel really blessed because of that.


My Online Business


My online business is thriving now. I am just so happy that after two years of conceptualizing this business, I am now on my way on my launch. I am happy that even before it is launched, I had partners already who are willing to give me a chnce in this industry and I am happy that they also like my service. Would you like to know the key of our better service? Well, it is none other than excellent service.

I love how people says that our customer service is really nice . My team exerts so much effort in taking the time to attend to all the needs of my partners and my customers and to meet their demands on time. For me excellenct customer service starts with a really really strong internet service.

That is why I have partnered with a great internet provider and have it testedwlan access point test to try it first and it did not fail my expectation. I love it so much and that it is why our excellent customer service is reflected on it.

Looking forward for the weekend


Three days from now and it will be the weekend again. I know a lot of you loves the weekend as much as I do. Aside from being away from schooling and work, I also get to relax and enjoy and do the things I love. One of my passion projects recently is creating a nice portfolio for my photography. I have been doing this for quite some time now.


Actually, I started six months ago and I couldn’t be any happier because of my photos. I started photographing my cute little puppy and my room and my parents said I got an eye for photography. As a gift for my 20th birthday, my parents gifted me with a nice 360 grad kamera and since then, I have been using it during the weekend. For me, this is the best 360 camera. I love how it creates amazing photos that capture all views. Last week, I was in a beach near our hometown and I invited my friend to do some amazing shots during the sunset. It create a really nice impact. I just printed my photos and I am planning to start curating photos for my upcoming exhibit. My parents and even my older brother were all keen in supporting me. After my 360 camera, I also invested in another digital camera. It comes with a very nice lens which I can use during photoshoots. Do you want to have some photos taken by me? You can email and contact and we can collaborate!


Book lover storage


Are you a book lover? Do you love collecting new fictional books, magazines, newsletter, and other hardbound books? Does bookstores and coffee shops your favorite place? Well we have the same thing in common! I have some tips for you for book shelves hacks you might want to check out. Better yet, you can use a self storage for your convenience.  For a vertical book shelf. Linen baskets, toys and shoe boxes, and other compartment can do the tricks. You can also just pile your books in a neat way and create a nice art out of it. In addition, do not make room a little mess up, just a couple of organizational hacks and you’re off.  Compare storage prices right here.