In Case . . .

. . . you didn't know . . .


(from http://www.lsuagcenter.com/MCMS/RelatedFiles/%7BA86D8A2D-3D53-4850-862D-CE5AA78A86CC%7D/Medicare-Information.pdf)
". . . Who is eligible for Medicare? A worker who has earned 40 credits provided he/she is paying Medicare tax on those earnings. You earn one credit for every $920 you earn. If you earn $3680 per year you will earn 4 credits. Not to exceed 4 credits per year. What do these credits cover? Medicare Part A, which is hospital insurance. The current (2005) deductible is $912. Pays 100% of covered expenses after the deductible. Cost to have coverage without 40 credits = $375/month (2005 rates)
Who else is eligible for Medicare? The spouse of a worker who has earned their credits, if the following criteria are also met: Spousal Coverage. Must be married – for at least one year – if still married. If Divorced – must have been married at least 10 years.  Widow/Widower’s Entitlement.
Worker died with enough credits. Surviving divorced spouse – must have been married at least 10 years. . . Disabled widow/widower. . ."


(http://www.seniorcorps.org/social-security/can-i-collect-social-security-benefits-if-i-never-worked/)
". . . For the majority of senior citizens in the United States, the social security benefits program is a primary source of income which is needed pay for housing, food, medical expenses, and other expenses. While it is widely available, it is largely intended for people who have worked and contributed to the system. However, there are ways that you can obtain social security benefits even if you have never worked. Disability One way that you can collect social security benefits if you have never worked is if you are disabled. The social security benefits program is also available to people who are disabled and unable to work a job that is sufficient enough to provide an adequate stream of income. . ."

What do you think?
Tell me at
http://www.rayjozwiak.com/guestbook.html  or at
http://www.ohomusic.com 

Get your copy of OHO's  Where Words Do Not Reach now!

The Ocean City Ditty Video is now on YouTube

My latest solo offering, Just More Music by Ray Jozwiak, featuring original, instrumental piano music is now available at - Just More Music by Ray Jozwiak

(To Access all Ray Jozwiak - Gonzo Piano music you can copy-and-paste this URL directly to
your browser:  http://http://www.cdbaby.com/Artist/RayJozwiak)

Also, be sure to visit:
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Game . . .

. . . change . . .


(from http://www.entrepreneur.com/article/245085)
". . . Gravity Payments founder Dan Price has just announced yet another game-changing proposition.
Over the next three years, the 30-year-old plans to raise the minimum salary for every employee at his credit card processing company to $70,000, he told The New York Times. . ."

He reached his decision after reading a study that said money makes a major difference in the lives of those who make less than $70,000. The initiative will be funded by cutting his own $1 million salary to $70,000 and allocating 75 to 80 percent of the company’s expected $2.2 million in profits this year. 70 employees will get raises and some will see their salaries double. The current average salary is $48,000. “The market rate for me as a CEO compared to a regular person is ridiculous, it’s absurd,” he told the Times. The announcement was met by ecstatic cheers followed by speechlessness on the part of employees.

What do you think?

Tell me at
http://www.rayjozwiak.com/guestbook.html  or at
http://www.ohomusic.com 


OHO's "Ocean City Ditty," the CD single is now available at http://www.cdbaby.com/cd/oho4
(and, if you're in town, at Trax On Wax on Frederick Rd. in Catonsville, MD) OHO is Jay Graboski, David Reeve & Ray Jozwiak.  Please Visit http://www.ohomusic.com 


My latest solo offering, Just More Music by Ray Jozwiak, featuring original, instrumental piano music will be released April 7, 2014  Just More Music by Ray Jozwiak

(To Access all Ray Jozwiak - Gonzo Piano music you can copy-and-paste this URL directly to
your browser:  http://http://www.cdbaby.com/Artist/RayJozwiak)

Also, be sure to visit:
http://www.rayjozwiak.com

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Mutiny . . .

. . . but no Bounty. . . not really a mutiny either . . .

Possibly a ship or two though. . .

Chretcher Flistian said, "If our leader is no leader, then let's join forces and tell him so.  But let us not tell him only that.  Let us help him.  We will explain to him that we want him to succeed as a leader.  We want this outfit to be successful.  We want to make money and we want him to get the credit for all this.  But alas, it will not happen if he is left to his own devices.  Surely if we all address this situation together as one, united front (and one, united front with our leader's best interest and well-being in mind) he most certainly cannot refuse.  In fact, we will tell him that he cannot refuse.  The choice is either operate this venture as it should be operated, or it will most surely and certainly, in time, fail.

This will not be an easy task for him nor for we.  For in order for us to accomplish this titanic undertaking, we must purge every self-serving, deceitful, dishonest, disingenuous, agenda-driven thought from our minds and truly work together as one, honest, transparent, dedicated team.  In this way, and ONLY this way, can we pull of this bold and daring plan.

Or, we can run away to Tahiti. . . "    . . . and the men thought it was good.

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newest release:
AMBIENCE & WINE

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Not a Newt fan, but. . .

. . . gotta give credit where credit is due. . .

With regard to the negative ads being run by his opponents (thanks to MSNBC.com) ". . . Gingrich said speaking to an audience near Cedar Rapids. “They ought to take this junk off the air. The former House Speaker has vowed to run a positive campaign and not attack his rivals . . . at least most of the time.

Mitt Romney, Ron Paul, and Rick Perry all have TV ads and campaign mailers attacking Speaker Gingrich on a variety of issues, such as being a “flip-flopper” and not being a “consistent conservative. . . ”

And even though Newt may not practice what he preaches 100% of the time, the sentiment is noteworthy and commendable.




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Top Stories

You don't have to. . .

. . . travel to the record shops, the Best Buys, Targets, WalMarts or the mall. You don’t have to decide whether to pay cash, write a check or use your credit card. You don’t have to lug it home and leave it under the car seat, and go outside in the rain (or snow) to get it after you’ve dragged your groceries, dog food, dry cleaning and six pack in from the car, forgetting that it was even under that car seat. You don’t have to clutter your countertop with that pesky little receipt which you can’t decide whether to throw away, recycle or file, and that your usually leave on the countertop, only to move it back and forth between that countertop and kitchen the table (sometimes the dining room table, for variety) because you couldn’t make the aforementioned decision. You don’t have to add another plastic bag to your already monumental collection which occupies a prominent place in your kitchen, laundry or mud room which frequently find their way to the ocean only to asphyxiate some innocent little sea creature or sit for innumerable years in the trash heap at your local landfill. You don’t have to struggle with that indestructible cellophane wrapping and cut a 2 x 3/4 inch gash in the tenderloin part of your right (your left if you are right-handed) hand using a steak knife to break through, or scour the house for that little plastic ‘cd opener’ which you have so wisely stored in ‘A GOOD PLACE’ which, as we all know, is the place where you will never find it until you have absolutely NO NEED for it! Which, of course, will prompt you to search for a band-aid, which you meant to buy last trip to the grocery store but forgot because you didn’t write it on your grocery list after you used the last one (probably the last time you bought a cd). You don’t have to struggle with that permanent, impenetrable tape that they put at the top of the jewel case and that only comes off in ½ millimeter strips instead of all at once, if and when you can pry off a corner. You don’t have to find a space for it on that over-crowded book-shelf, cd rack or the bottom cupboard of your entertainment center which is already over-stocked with Barney videotapes and chick-flicks that you can only bear to watch once, even though you thought they were funny and that you’d like to own them (the chick-flicks, not the Barney tapes). You don’t have to jam up the cd player in your car because you forgot Dean Martin’s Greatest Hits was still in there and you forced it into the slot anyway to find now that you can’t listen to either of them, or any other cd for that matter. . . or discover that the batteries in your personal cd-man only have enough power to illuminate the display that shows you are low on battery power. . . or find that your cd changer in your stereo has changed. . . it now DOESN’T work (which leads you back to Best Buy, Target etc. above, but that’s another story).

All you have to do is:
purchase it online
download
sit back and listen

Bet you wouldn’t have it any other way!

ANOTHER SHOT by Ray Jozwiak (that's me!)

You've Probably. . .

. . . already read the story of 'Jerry' that I posted yesterday and I want to be clear that I posted it for the value I see in it and by no means whatsoever take credit for the composition of it. I have seen it, as I'm sure you have, numerous times on the internet and have received it by email, but have never learned the author of it. Well, CHEERS to her or him.

I did add the note at the conclusion myself. The originals say something like, "Now you have two choices to make (which interestingly enough is grammatically incorrect) :
1. You can delete this message or
2. You can forward it to someone you care about.
I hope you will choose #2.
I did.

First time I read the story, I expected the ending to say, "Forward this to XXX amount of people or you will have seven years bad luck" or something to that effect.

(Hear my music at http://www.rayjozwiak.com)