Problem: Article: Medicare is health insurance from the U.S. government for people 65 and older. Enroll by visiting the Social Security website at www.socialsecurity.gov or by calling 1-800-772-1213. If you want your coverage to start the month you turn 65, enroll three months before your 65th birthday. Medicare has several parts. Medicare Part A is hospital insurance that covers your inpatient care in a hospital. It is free for most people 65 and older. Medicare Part B covers doctor's visits, outpatient care and other services not covered by Medicare Part A. You have to pay a premium for Medicare Part B. It is based on your annual income. As of 2012, the premiums ranged from $99.90 to 319.70. The premium is deducted from your monthly Social Security check. Medicare Part C is the Medicare Advantage Plans. This is insurance provided by a private company that contracts the Medicare to provide you Medicare Part A and Part B coverage. It also usually provides prescription coverage. You pay a monthly premium that varies depending on the plan you choose. If you have a Medicare Advantage Plan, you don't need a Medigap policy. Medicare Part D is prescription drug coverage. Some people choose to purchase an additional health insurance policy to cover anything not covered by Medicare. These expenses include co-pays and annual deductibles. You can purchase Medigap insurance from a private health insurance company. You can choose from 12 different Medigap policies. They are known as Medigap A through F. Medigap A is the most basic, and each subsequent policy offers more coverage. If you are married, you and your spouse must each purchase a Medigap policy. When you reach 65, you will be eligible for Medicare, but this doesn't cover everything. You will have to pay a premium for some of your Medicare coverage, and you will also likely want to purchase Medigap insurance. In addition, you will have to pay out of pocket for anything not covered by your insurance, such as co-pays and deductibles. Fidelity Investments estimates that a retired couple will need to spend $240,000 of their own money to cover 20 years of healthcare expenses.
Summary: Enroll in Medicare when you turn 65. Purchase Medigap insurance. Save money to pay for healthcare in retirement.

Problem: Article: If your partner or friend has intermittent issues with phone checking, agree ahead of time not to use your phones for a lunch or date you've agreed to. This sets up clear expectations about what kind of time you want to have together. It's important that you, too, adhere to any requests you make with regards to electronics, so your companion feels equally respected. To a friend, you might say, "I've really been looking forward to hearing about your trip. Can we put our phones away while we catch up? I'd love to see your photos once we're finished with our lunch." If your partner or friend has a consistent phone issue, casually keep track of their usage patterns over a given week. Note the time of day, day of the week, and the type of activity or communication that distracts your partner. Find a good time to let your companion know what you've observed. Suggest that you'd like to set some boundaries for phone use in your relationship because the current arrangement is not working for you. You might say to a boyfriend, "I love hanging out with you, but your phone usage when we're together has really become a problem for me. I'd love to continue seeing you, but only if we don't use our phones when we're on dates. If that's not possible, I'll have to move on." To a friend, you might say, "I love running together, but it's really distracting to my training when you're texting on the phone. I'd love to continue our regimen, but only if we agree not to use our phones while we work out. If that doesn't work, I'll have to train with Sue from now on." If a good friend or spouse exhibits troubling symptoms with their phone use, it may be helpful to consult a professional therapist. Symptoms to look for include excessive phone use that has caused them to jeopardize their job or relationship; withdrawal symptoms when they cannot use their phone; or persistent failed attempts to use their cellphone less often. A therapist can help you sort out phone use in your relationship or provide support to your companion who is struggling with an addiction to their phone.
Summary: Agree to leave your phones out of reach for an activity or meal. Keep track of patterns to address recurrent issues. Get help if the issue is constant.

Problem: Article: Spread the pre-soaked soybeans on top of a lightly-greased baking sheet. Bake them in a pre-heated oven at 350F (177C) for 40 to 45 minutes, stirring them often. They are ready when they are light brown and crunchy. You can use the same technique in an electric frying pan. Grease the pan, add the beans, and fry them at 350F (177C) for 40 to 50 minutes, stirring often. Add the pre-soaked soybeans into a large crockpot. Cover them with hot water. Add 1 teaspoon of salt, then cover the pot. Cook the beans on HIGH for 6 to 8 hours. Season 4 cups (620 grams) of edamame beans with 2 tablespoons (34 grams) of salt. Let them sit for 15 minutes, then add them to a large pot of salted water. Boil them, uncovered, for 5 to 6 minutes. Drain the beans, then allow them to cool before serving. You can serve them in their pots or you can hull them first.
Summary:
Roast soybeans if you desire something more crunchy. Use a crock pot if you have more time. Boil young green soybeans (edamame) for 5 to 6 minutes.