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Some pieces of studio gear show off the bling commensurate with their price tag. Think big consoles, shiny, large-diaphragm condensers, synthesizers with way too many knobs and faders. The creations from Pultec is a marked departure from this trend though. The dark blue/grey of the front panel presents an industrial facade, the knobs chunky, the font that identifies controls, utilitarian.

What the workmanlike front panel obscures, however, is sonic art at its most sophisticated. Since its 1951 inception, the Pultec EQ (EQP-1 and later, the EQP – 1A) has firmly installed itself as one of the bona fide staples of the outboard rack. And despite its elegant character, it couldn’t be more simple to use.

Musical Machine
To call an inanimate object “musical” obviously flies in the face of logic. Musicality in performance is innately human, yet, the Pultec is one of the rare pieces that is regularly praised as such. This inherent musicality is part of the Pultec’s soul and is mainly due to the things that it doesn’t do, namely, impart a harsh resonance when boosted to the extremes.

Many other EQ units, or sections fitted within console channel strips tend to focus on the analytical. This of course, is a fantastic quality especially when analysing sounds that might not be ideal.

Guitar sounds a bit woofy? Maybe reach for the low mid band, adjust the Q and notch out 250Hz. That vocal sounds too sibilant? Maybe notch out a few dB at 4-6kHz and a slightly boost it around 500Hz with a wide Q for more body. For a job like this, you wouldn’t reach for the Pultec. And that counts in its favour.

The Pultec EQ works better when you think of it more musical terms. Need to add some sheen? More air? More weight? These are the kind of descriptors for which the EQP-1 was invented. It’s more of overall tone shaper, rather than a radical renovator of sonic information. This quality makes it all the more versatile.

The controls make it extremely simple to use, which must have contributed to the EQP-1’s widespread popularity in the early days of commercial recording studios. A switchable low frequency dial that selects 20, 30, 60 and 100Hz, with a dial to boost and a dial to cut. The same is system is repeated for the high end, with the selected frequencies being 3, 4, 5, 8, 10, 12kHz (with 16kHz being added on the EQP-1A).

As an aside – these bandwidth selections were even more relevant to this time period than they are now. Multitrack recording as we know it today was non-existent. Multi miking drum kits, for example, would not have been possible.

Therefore the EQ challenges that we encounter today in the minutiae of specific sound sources (think individual microphones on kick drums, snare drums, guitar amps) were not a concern. Adding broad brush EQ enhancements to whole sections of an ensemble would have been far more critical at the time of the EQP-1’s inception.

The bandwidth control is right in the middle, simply marked Sharp and Broad. There is a minor quirk with the high-frequency attenuation – you only have three frequencies to pick from – 5, 10 and 20kHz. But this serves to give you more versatility when sculpting the top end.

But again, the simplicity and elegance of all the controls reinforce the point that running a sound through this EQ doesn’t require an in-depth technical understanding of mixing, or an intense familiarity with every nook and cranny of the frequency spectrum. It enhances the quality that is already inherent in the sound. But if you want a little more sizzle, some more heft, just dial it in.

Another idiosyncrasy that has long been exploited in the grand old lady is its ability to boost and cut the same frequency at the same time. If that has you scratching your head, well, it’s not actually the full story.

The boost has more gain than the attenuation has cut, plus, they affect slightly different frequencies. Therefore, it is slightly more complex than it gets credit for. However, because it lacks the detailed visual information that many other EQs offer the user, so even when ignoring the manual, you just have to go with what your ears tell you.

Intelligent Design
Pulse Technologies (which Pultec derived its name from) was founded in 1951 by Eugene Shenk and Ollie Summerland. And though it seems inconceivable, every aspect of the company’s operations: from engineering, production, through to marketing, was handled by this formidable duo throughout the lifespan of the company. It all ran out of their warehouse in Teaneck, New Jersey.

Anyone who comes into contact with Pultec devices can attest to the build quality. A mass of valves, transformers and capacitors protrude from the back. If you wanted to have a stereo setup for example, you’d need to spare 6U of rack space, and make a dent in your credit card of at least $10,000.

And about those transformers: there are a lot. They’re also key to its sound. There are three individual transformers in the signal path, with each adding their own subtle imprints on the tonal character.

At the time the Pultec EQ was first brought to life, passive equalisers were lossy devices. This means that when the signal passed through them, the output was typically attenuated by around 20dB. Of course, this kind of signal loss was unacceptable, but amplifying a signal was also a challenge. Shenk and Summerland settled on inserting a valve powered amp in the output of the EQP-1.

This tube driven circuitry in a large part accounts for the way the unit can be driven to seemingly extreme territory, but still not sound unnatural. As mentioned earlier, no woofy lumps in the bottom end, just a fullness, or a heft. No overly bright harshness in the tops, just a gloss and an almost imperceptible shine and excitement. In other words, just better.

The Modern Day
So if they’re so great, why doesn’t everyone have one. Well, as previously mentioned, Pulse Technologies was strictly a two-man show, with strict quality control and hand made from end to end. Not exactly a formula for mass-market domination.

Finding original units is nigh on impossible, but when they do come up, they can fetch close to $10K US in the insanity of the vintage audio market. There are a number of companies that have made replicas of the EQP-1A, including Manley, Warm Audio, Tube-Tech and more, which can be quite expensive themselves.

Plugin versions of the Pultec EQs are also plentiful, with brands like Waves, Universal Audio, IK Multimedia and more along for the ride. Of course, all the flexibility of plugins become an advantage – easy stereo implementation for aux buses and mastering applications, saving all your favourite presets, working entirely in the box are just a few examples that spring to mind.

Back to the Future
There is a tendency in the audio world to fetishize ancient relics. In the case of the Pultec, however, the story is a little more complicated. Sure the original EQP-1A is bordering on extinction in the wild, but over the decades it’s developed a life of its own, through numerous hardware interpretations and plugins. Hell, you can even build your own one.

We have all the tools to build more sophisticated EQs. And of course, the more complicated units and plugins have become classics in their own way. What keeps drawing us back, is something that Eugene Shenk and Ollie Summerland understood, all the way back in the primordial times of rock and roll – just plug something in and make it sound better.

Medicare, the federal health insurance program primarily for Americans aged 65 and older, is critical in ensuring seniors access essential healthcare services. However, understanding and planning for the costs associated with Medicare can be complex. To help you navigate this financial aspect of your healthcare journey, here is a comprehensive guide on Medicare cost explained and how to plan for the cost of Medicare.

Understand the Basics of Medicare
Before diving into cost planning, it’s essential to have a clear understanding of the different parts of Medicare:

Medicare Part A (Hospital Insurance): Most beneficiaries receive Part A at no cost because they or their spouse paid Medicare payroll taxes while working. Part A primarily covers inpatient hospital stays, hospice skilled nursing care, and some home health services.

Medicare Part B (Medical Insurance): Part B covers medical services like doctor’s visits, outpatient care, preventive services, and durable medical equipment. Beneficiaries pay a monthly premium for Part B.

Medicare Part C (Medicare Advantage): These are private health plans provided by insurance companies that combine Part A and Part B benefits, often including prescription drug benefits (Part D) and additional benefits like dental or vision care. Costs for Part C plans vary.

Medicare Part D (Prescription Drug Coverage): Part D plans are standalone prescription drug plans that help cover the cost of medications. Beneficiaries pay a monthly premium for Part D coverage.

Determine Your Eligibility and Enrollment Periods
Your eligibility for Medicare typically begins at age 65. However, if you have certain disabilities or health conditions, you may qualify for Medicare at a younger age. It’s essential to be aware of your Initial Enrollment Period (IEP) and the General Enrollment Period (GEP):

IEP: This is a seven-month window that includes the three months before your 65th birthday, your birthday month, and the three months after. During your IEP, you can enroll in Medicare Part A and Part B.

GEP: If you missed your IEP, the General Enrollment Period runs from January 1 to March 31 each year. Enrolling during this period may result in late enrollment penalties.

Special Enrollment Periods (SEPs): Certain life events, such as retiring after age 65 and losing employer coverage, can trigger SEPs, allowing you to enroll in Medicare without penalties.

Budget for Premiums, Deductibles, and Copayments
Understanding the cost structure of Medicare is vital for financial planning:

Premiums: Most beneficiaries do not pay a premium for Part A if they or their spouse paid Medicare taxes while working. The standard Part B premium is set annually and may be higher for higher-income individuals. Part C and Part D premiums vary by plan.

Deductibles: Part A has a deductible for each benefit period, and Part B has an annual deductible. Part C and Part D plans may also have deductibles.

Copayments and Coinsurance: Medicare often requires beneficiaries to pay copayments or coinsurance for services, such as doctor’s visits, hospital stays, and prescription drugs.

Consider Medigap Plans (Medicare Supplement Insurance)
Medigap plans, or Medicare Supplement Insurance can help cover the out-of-pocket costs associated with Original Medicare (Part A and Part B). Private insurance companies offer these plans, and come in different standardized lettered plans, such as Plan F, Plan G, and Plan N. Medigap plans can provide financial predictability by covering expenses like deductibles, copayments, and coinsurance.

Choosing a Medigap plan that aligns with your specific healthcare needs and budget is essential. Remember that Medigap plans do not cover prescription drugs, so you may need to purchase a standalone Part D plan if you require prescription coverage.

Evaluate Medicare Advantage Plans
Medicare Advantage plans (Part C) are an alternative to Original Medicare and often come with their cost structures. While Part C plans may have lower premiums, they can have different deductibles, copayments, and network restrictions.

Before enrolling in a Medicare Advantage plan, thoroughly review its details, including its benefits and the healthcare providers within its network. Understanding these aspects can help you decide whether a Part C plan aligns with your financial and healthcare needs.

Factor in Prescription Drug Costs
Prescription medications are a significant component of many seniors’ healthcare needs. If you require ongoing prescription drugs, it’s crucial to consider the following:

Medicare Part D Plans: If you’re on Original Medicare and need prescription drug coverage, you’ll need to enroll in a standalone Part D plan. These plans have their own premiums, deductibles, and copayments.

Medicare Advantage Plans with Part D: Some Medicare Advantage plans include prescription drug coverage as part of their benefits. Evaluate the plan’s formulary to ensure it covers your specific medications at a reasonable cost.

Prescription Assistance Programs: If you have limited income and resources, you may qualify for Extra Help (Low-Income Subsidy) to lower your Part D drug plan costs.

Anticipate Health Needs and Potential Expenses
Planning for healthcare costs also involves anticipating your health needs and potential medical expenses. This includes considering factors such as chronic conditions, regular doctor’s visits, preventive screenings, and possible hospital stays. An emergency fund or dedicated savings for healthcare can provide peace of mind and financial security.

Stay Informed and Review Your Coverage Annually
Medicare plans and costs can change yearly, so staying informed and reviewing your coverage annually is essential. During the Medicare Open Enrollment Period (October 15 – December 7), you can change your Medicare coverage, including switching plans or adjusting your prescription drug coverage. By staying proactive, you can ensure that your Medicare plan continues to meet your healthcare needs and budget.

Conclusion
Planning for the cost of Medicare is crucial to securing your financial well-being in retirement. Understanding the various parts of Medicare, your eligibility and enrollment periods, and the potential expenses you may incur is essential for effective financial planning. Whether you choose Original Medicare with or without Medigap, a Medicare Advantage plan, or a prescription drug plan, taking a proactive approach to your healthcare costs can help you make informed decisions and ensure you receive the care you need while managing your budget effectively.