FALL FASHION WITH SUEDE
If we are friends on Facebook you have probably already seen me talk about this issue. The issue is insurance or really the rising cost of insurance. I got a letter telling me that our Insurance coverage was changing. Big surprise. The plan we were on was not great but it was sufficient. It had a 2300 deductible and was 80/20 all that for the low, low price of 1490.00/month. The letter states that this coverage is no longer available and the next plan would be to have a 5500 deductible and a 75/25 coverage. For less coverage and almost double deductible, the price was going to raise around 600.00 per month. 
?
This is crazy!!! How in the world can people afford healthcare at this rate? My sister joined Samaritan Ministries a couple of years ago as an alternative to traditional insurance. She likes this ministry and has no complaints. However, she also has not had to place a claim yet. A blog reader/friend mentioned that she has recently signed up with Lincoln Heathshare and that she had friends who really liked this ministry as well. I am looking into both of these alternatives and would really appreciate it if any of you have any insight into either of these companies that you would like to share. I do like the idea of people helping people but it is also scary since it is not what we are used to. Dang, that whole out of my comfort zone thing.
I know that wasn’t my normal light-hearted story on my blog post, so….. what’s the difference between a Hippo and a Zippo? One is heavier and the other is a little lighter. Lol!!!! I can’t help it, I crack myself up. Onward to the post, today I have a cashmere open cardigan on. This is a basic tan color and will go with a huge amount of outfits. It is getting cooler outside but it is not COLD yet. I love a cardigan to take the chill off and also to hide the fact that I have on a sleeveless top but we will talk about that later. This cardigan is made by Isaac Mizrahi and I like the open front design. The lapels are very oversized and they tend to flap back and forth. Lol! I couldn’t get a picture of them looking the same at once. Lol!
Give me some cute leather jewelry anytime! I have never been a “diamonds” kind of girl. I like diamonds but I love my costume jewelry. I think the issue is that I like to change my look from day to day. I always wear the same two rings but I like to change EVERYTHING else on a daily basis. The Addison earrings are extremely lightweight even though they are made of metal. The Rhiannon necklace has been a fall staple for me. I just can’t get enough of it this fall. I think I am in a styling rut, maybe it is like comfort food. I am falling back on items that make me comfortable. The Ashlyn bracelet is hardly visible on my right arm. It is gold and cream beads with gold dangles. It is on an elastic band for easy on and off. The Celine bracelet on my right arm has a monogram dangle which you can see better in the picture below. I love monogram jewelry. I normally get my last name as the initial because then my daughter and dil can wear them. Maybe that is why you would want to get your first initial instead. LOL!!!
The suede Dooney & Bourke purse is perfect for fall. It is suede which is a material that I associate with fall. It is a great neutral and will go with anything so those of you who hate to change purses, this would perfect for you. There are spans of time when I want to carry the same purse but I try to change it up for you ladies. The sacrifices I make for you. Lol!!
I almost forgot to talk about my sleeveless top. This is one that I bought at a boutique and it is by Umgee. I never put my summer clothing away when the seasons change. If they can be worn with a cardigan, a pull on sweater, or a jacket then I will still wear them. I don’t like to limit my wardrobe if I don’t have to. My jeans are from Kut from the Kloth and they are the Diana style. I am a fan of dark navy denim and also skinny jeans. That makes this pair practically perfect in every way. Lol! I know that all of you are not fans of skinny jeans so I will link to a couple of other styles that might catch your fancy.
Today’s thankful alphabet letter is “H.” I am finding that I am paying more and more attention to things that I am thankful for throughout the day. I like this newly found trait. So, today I am thankful for my House. It is not the biggest or the fanciest but it is warm and toasty. I am also thankful for my hair. Lol! In the winter time, I know several men who wish they had some because their heads are cold.
Today’s Pre-Black Friday event is two-fold. I have a special and I have an upcoming virtual event on Tuesday. Today’s special is one that you will love. But ANY regimen as a Preferred Customer (PC) and receive a FREE full-size multi-function eye cream from me. That is a $62.00 dollar gift!!! If you have been wanting to try a regimen then this is a fantastic opportunity for you to also get the eye cream at no cost. Or, if you are really sweet, then you could give it away. Don’t know what regimen you need? Go to the Solutions Tool and let the doctors help you out. If you are not a PC then go (here) to become one today, remember, the eye cream is only free if you are a PC or become one.
I am really trying to gain readership and subscribers. When I hit 10,000 subscribers then I am going to have a huge celebration with lots of giveaways. Tell your neighbor, your friends, or even your enemies. Lol! Let’s get this ball rolling. To subscribe you simply enter your email address in the box in the upper right corner of the blog. Let me know if you have any problems.
Please be aware that links to vendors may be affiliate links. I do profit from your purchases through the links on the blog.
Tania, I use Christian healthcare ministries. I had a claim last year, after a hand surgery. You have to obtain itemized invoices, and ask for their cash price. It’s a little intimidating at first, because it was so different. But they paid 100% of the bills after I met my deductible. There are different levels of plans, I chose the highest level. I also do a thing called brothers keepers. My deductible is $700 per diagnosis, monthly premium is $150. My daughter and her family are also use CHM and highly recommend them.
I guess H is for Health today. I wrote a whole big, long post and then deleted it. It boils down to I know I’m one of the lucky ones, insurance cost wise, at $675 per month for “grandfathered policies” for husband and me, even with max deductibles, and the wrong hospitals. But things are going the wrong direction, and I can see that it’s just a matter of time until I am no longer able to say I’m one of the lucky ones, and that nobody is going to be able to say that. Who can pay $3000 and $5000 per month? Don’t most US households only make like $50K-$75K before taxes? It’s impossible. But for all appearances it looks like people are doing it. I can’t figure it out.
Tania, thank you for your posts,encouragement, fashion ideas and more..
You look lovely in all you wear!?
Blessings always!
Tania, I hope you choose the right plan for you and Joe. You always look cute!
I like your joke too ;-D I’ve got one too… What does Miley Cyrus eat for Thanksgiving? Drum roll please xxx
Twer-key
LOL!!! That is hilarious. We are such goof-balls. ?
This is one of the few outfits you’ve modeled that has not grabbed me. I think the blouse is too geometrically busy for the lapels of the cardigan. But girl, you look good in whatever you put on!
I have been uninsured since I quit my job nine months ago. But even with insurance through my employer, I had a $5500 deductible and 80/20 coverage. The only thing that was better was the premium.
I still cant believe how expensive your insurance is! I am sorry! I am blessed to be on St. Of NM Retiree healthcare and it is only about $350 per month just for me. Not sure of deductible but it too is high. My fav H word today is Heaven! A place I know I’ll one day be!
Love this outfit. I’m a sucker for cashmere, even though I don’t get to wear it a whole lot in the Houston area!
RE: your insurance situation. I have a coworker who has changed over to the type you are considering. She and her husband are both teachers and they have 2 young children, so they actually use it. They love it and have had no problems. The best part she says is that you are a cash patient and get a better rate with drs. They have not had any “major” health issues (like major surgery) yet so I cannot speak to that piece. Their daughter had to have tubes put into her ears. Again, they were cash patients. My coworker set up a payment plan, filed a claim, and was reimbursed accordingly,
Good luck, Dear Friend. Insurance gets worse every year. My husband works in the industry and ours is better than most. However, it’s more expensive with less coverage as well.
Oh, I am thankful for HOPE, because not everyone has it. I am often surprised how the “glass half empty” crowd can have so little hope in mundane situations, much less the big stuff. Having HOPE is a choice. Everyone has trials because we live in an imperfect world. HOPE is how we choose respond. XOXO
I am thankful for my home and health.
Good morningTania….love your outfit…you always look so classy and put together! My husband and I both work in the public sector and have been so thankful for our employers health insurance benefits. The costs and coverage you mentioned is nuts for sure!! I hope you can find a better alternative! By the way, I would love to get invited to the R and F virtual event! Love the products!!
I know that benefits are huge right now. If you have insurance, you had better stay put. I sent you an invitation to the event.