Random things this morning

1. When you forget to take the trash bins to the kerb the night before, and the city is starting early due to the heat, it behoves you to get up at 5:00 AM to take the trash out and roll all three (trash, recycling, and yard waste, when in Lexington, have names, in order: Herbie, Rosiek and Lenny (for Lend a Hand). This is a somewhat perilous process in the dark, without anyone's knowledge, as you are also a klutz and liable to fall. But all went well. Still, at that point, you might as well stay up.
2. I have very short hair, but I have kept all my hair ties because they are extremely useful. I mainly use them to wrangle charging cords.  However, just now, I dealt with a sagging lumbar pillow that I have to adjust every single time I sit in the chair because the strap is stretched out by pulling it back and securing it with a hair tie. We'll see how it goes, but for now, it's at the perfect height for my back.
3. So far, I have used my extra time filing papers, mainly all the information the government sends me regarding my benefits. I know they're mostly duplicates of the notices they put on the portal, but still, some part of me thinks I should keep them. I also just had to change an asthma preventative inhaler that I've taken nightly for at least a decade (Breo Ellipta) because it's not covered by Medicaid. They cover Advair Diskus. Hopefully it will work as well. The pharmacist who works with my doctor helpfully advised me that the dosing is twice a day, though, so that was nice.  I spent 29 years with the same commercial medical insurance (UnitedHealthcare) when I was at Shriners. I knew my benefits intimately, and it was extremely good insurance: $150 deductible/$1500 out-of-pocket. Even though it was an HMO, it didn't require referrals as long as someone was in-network, and I never had issues with anyone being out-of-network in all that time. Since I've left, I've been covered by two Medicaid managed care organisations (Aetna Better Health of Kentucky and UnitedHealthcare Community Plan of Kentucky), both of which use MedImpact for medications (all of them do, at least for our state) and then for two months I was on a assisted qualified health plan from Anthem Blue Cross Blue Shield where the state paid about $900 and I paid $500 for a $400-$500 deductible plan (medicine did not count like it did for my commercial plan, so I never hit it like I thought I would, or I would have gone for something cheaper, although medications were probably cheaper, and the first month of the doctors' visits were cheaper; the second month everything went up, including the premium, due to me pulling some retirement income out--to pay for the premiums and medical bills. It's been very hard to navigate all the changes. I'm highly literate, great with technology, and having been to university, an expert at red tape and bureaucracy (I always said I majored in red tape and minored in line waiting at the University of Kentucky); I  can't imagine how difficult it would be for someone without those advantages.
4. Today's agenda is fairly simple:
1. Work on as many chapters as I can, proofreading a talking book for the Kentucky Talking Book Library. I am woefully behind. I got chapter 3 done yesterday, which I was sent in April.  I got the whole book yesterday...fifteen chapters to go.  Life just has gotten in the way, and I should just buckle down now and get as much as I can get done while I'm off.
2. We need to put a large shop fan together to get some air moving in the house. It's a little oppressive out there, where the central heating went out last year. I am the only one with air conditioning in my room, and there have been other barriers to putting it in the rest of the house, so we've been relying on different types of fans and using my room as a cooling area for everyone occasionally.
3. I need to pick up some medicine at the UK pharmacy today.
4. My roommate's going over to friends' tonight, so it'll give me some chance to work on the book more. It's a true-crime murder mystery from the 1890s in northern Kentucky, so it's been pretty interesting, both from an historical and story point of view. 

Those are about all I can think of for now. That's a little rambling, I know. I'm just waking up, with no caffeine (I only drink soda on weekends, and I'm not a fan of coffee or tea; what can I say? It's terrible, I'm such an Anglophile and I hate tea.)

Navigating the job hunting world

I have another interview set up for Tuesday. It's a state job with the Department of Natural Resources tracking abandoned oil wells and gas tanks. Not a library job, but it has state benefits and pays well. It's a virtual interview. Wish me luck!

That's:

34 job applications
4 interviews completed or set up
8 rejections (1 post-interview)
2 webinars attended
1 job fair attended
1 job fair planning to attend

Also:
UI applied for the very day I lost my job, but was denied.
UI appealed, awaiting hearing to be scheduled (20 days past acknowledgement of receipt of appeal letter--I sent an email yesterday because I couldn't get anyone one the phone and they won't let you stay on hold, it just ends the call if no one is available, and they got back to me this morning say it was with the schedulers still) [not an issue with my employer, but rather an issue with the explanation of the 'waiting week' requirement'.]
Medicaid was applied for, too and approved.
SNAP was applied for, too and approved (finally--it took exactly 30 days)
Moved every bill I could to May.
Took a small distribution from retirement to pay bills; I couldn't move; I can't draw on my pension until May without penalty for the rest of my life because I'm turning another year older, 24 hours into next month.

It has been a very busy 38 days. Whew!

The job fair was a bust. I got there a little late because I had to go to the library to print some résumés after my 15-year-old printer died, and they had a lot of trouble with their printers. A lot. But we got it all worked out. I got there about the time you'd expect a lot of people to get there after work, but most of the prospective employers had packed up and left. The only ones left were construction and a temp agency (I have tried temp work before, and it was not a great experience, would not recommend at all. I got two one-day replacements in food service, even with clerical experience (back in the day, mind you, but still, I was very annoyed). I remember it was with the Snelling agency. They were absolutely useless. We had an excellent temp who covered me while I was out on medical leave. They really wanted to hire her for an open position, but couldn't because they'd have to pay over 30% more to her and them as part of a finder's fee in the contract, and it was just untenable, so they lost her to another employer.) Anyway, it turns out I could just upload my résumé to the website, so I grabbed a card to prove I'd gone, scanned the QR code, uploaded what I needed, and just went home. I'd already had a webinar and interview that day.

The interview that day was for a patient access position and went so well I was invited to come in Monday for several hours to shadow the people I'd work with to see how we'd get along, sort of a long second interview, I guess. The next day, I got an email saying they'd decided to take the position in a different direction, but that I had good qualities and would be considered for other positions within their practice. So I don't know if that meant they retooled the position, went with another candidate, or what. It was a little confusing. But I'm okay with it. It would have been a good job, and I think I would have liked working there, but I would rather work in a library, of course.

I am trying not to be constantly on the phone or computer doing this sort of stuff. I am volunteering for the Kentucky Talking Book Library as a proofreader. I picked up my first book and have my first two chapters to listen to. Essentially, I listen to the recording and see if there are errors, mark any issues with a timestamp, and turn in the paperwork so it can be cleaned up before final production. These audiobooks are loaned to patrons with low vision, ADHD, dyslexia, inability to hold traditional books, and other issues that keep them from enjoying standard books. It is a division of the Kentucky Department for Libraries and Archives.

A month later, and it's been a bit dire, but I'm okay

32 job applications put in with:

• 4 rejections
• 2 interviews scheduled
•     1 completed (and it was for a library!) 
• 26 up in the air

2 job skill webinars scheduled

• one completed (on résumé building)
• one on Tuesday on strategic upskilling

1 job fair scheduled (March 24th)

2 Career counselling sessions attended through the UK Alumni Career Centre

Of the 61 books I currently have out from the Lexington Public Library:

• 19 books relate to job hunting
• 9 relate to getting particular library jobs [as subject matter]
• 5 relate using mindfulness for work or to prevent burnout

I also bought the 6th edition of the classic What Color is Your Parachute? (used, from Better World Books) because I'd seen a companion at Barnes & Noble called The Job-Hunter's Workbook, and I'd been intrigued by the exercises. I have an old copy of WCIYP? (I think it's 2012), But this was different. So I got both and returned the copy of the text back to the library, getting both of them used for less than what I'd have spent on the workbook on its own there at Barnes & Noble, and then, also, for less than that one book, I added What Color Is Your Parachute? for Retirement. The whole order was just over $20, and considering that it includes two $1 donations, that's pretty decent.

The interview this week went really well. I did a little stumbling here and there verbally, but never once said the word 'thing' instead of a specific noun. I was not nervous at all. I felt prepared. I was very excited about the position, as it served a particularly overlooked population. We'll see how well it goes. I really think it would be a good fit for me and vice versa, fingers crossed. In the meantime, I have another interview scheduled for this coming Wednesday.

I'm also starting to volunteer with our state talking book library, which creates and distributes books for those with low vision or other disabilities that prevent them from using standard books (including dyslexia or ADHD). They start you out as a proofreader, and that sounds exciting, where you compare the text with the spoken word to catch any errors.  Eventually, you may go on to narration if you like. This gets me out of the grind of looking for jobs at my desk, only requires an hour or two a week, and offers a remote option for proofreading, so I could do it even once I get a job.

My unemployment appeal was accepted, but the hearing date hasn't been set yet, so I have not been receiving payments. On the one hand, I am old enough to draw my pension, but I'm not at full retirement age for the plan (65), and my birthday falls right into next month.  So, if I take it now or anytime in April, it is substantially less than in May, and since it works just like Social Security in that once you draw it, the amount that you draw it at is what you get for the rest of your life, which is less if you draw early. I confess that I'm really angry that I'm in the position that I'll likely have to do this, shaving hundreds of dollars A MONTH for the rest of my life from something I earned because I lost my job this close to retirement, but not close enough. Considering the difference between 58 and 59 was about $400, I think it could have been substantial. But it happens a lot. My mom lost hers right as she hit 62, without a pension. She drew Social Security early and was on unemployment at the same time.

Unfortunately, even if I win the appeal, that'll likely put me over the income limit (no doubt in April), and I'll lose my insurance (Medicaid). I'm likely eligible for subsidised health plans, but it'll still mean a significant portion of my premium going toward a less robust plan.  On the other hand, it's better than the COBRA option, which costs over $ 1,200. If I had kept my insurance, which admittedly, I'd met my out-of-pocket, but oh my, how would I have done it short of draining my retirement?

I did call every creditor I could, pushed back as many bills to late April or May that I could (most worked with me), and then took enough out of my retirement to pay the rest of the bills for March and get into April so that I'd have a place to live, a phone, car insurance, etc.  It didn't throw me off Medicaid (it was under the limit), and then the day after, I pulled the money out, and after a month of daily paperwork, I was approved for SNAP, so I was afraid the distribution would mess all that up. Still, it apparently didn't matter as it was a low amount and wasn't recurrent. I have not gotten the EBT card yet. Fortunately, a couple of friends have helped with food during the month when there was nothing at all coming in.

The last thing I did with my final paycheque was to pay for my storage unit, where almost all my things actually are, so I wouldn't lose it at the end of the month (you only have three days to pay past the due date), leaving me about 32 cents in the bank. I've never been what you'd call financially comfortable, but this is the first time in a very long time that I haven't had a paycheque coming in to fill things back up. So the distribution really was the only way to go, especially since the SNAP application was going so slowly (they tell you to upload a document, but then you have to call requesting why--in the last case, it was because work had signed a form with a computer-generated form rather than a person signing it. Once I took the distribution, I had to send in the stub, a statement, and my 15-year-old printer just died. I saved a signature file and used it, since I couldn't print and didn't have time to go to the library to print the one sheet and then take a photo to upload to the Commonwealth's website. It is an image of my actual signature, not a computer-generated one.  It was, fortunately, accepted.

I hope that means everything has gone through. I have worked hard to get all of that through. People who complain about SNAP have no idea how difficult it is to get and keep the benefits. I have had two friends on disability who have had it. Both got less than $20 a month. One had to fax his renewal, and we spent weeks trying to get it to them (this was before the upload option) and had to actually call the governor's office at one point, finally, only to discover that the machine was broken--had been for months, and then by the time we were able to get in the other route, it was too late and they lost that. I've found the upload process easy; it's just the sheer amount of paperwork. And I've filled out a form saying I'm already registered to vote twice online, yet I still got a form today that I'll mail out Monday. I'm very grateful they've awarded it to me. I hope to use it soon. Having no income at all for over a month, with no savings, nothing, was hard. I had just what I had in the bank from my last paycheque, plus the final one, 3 days' work [they paid me a full day for the day they let me go], plus 3 days' worth of PTO. If it weren't for my retirement savings and the fact that I rent from a friend rather than a complex, I'd be in a much worse position. I don't have much in my retirement, though, not what I should. So hopefully this won't last long.

In the meantime, I'm actively looking, and I'm staying upbeat. I'm really trying to get back into librarianship again--it's where my passion lies, after all, and my skillset is the greatest there. Here's hoping I'll be back in a library soon.

And just in case you hadn't noticed it on the sidebar, here's my résumé.