I use different names and passwords. I have never used my name, sorry I am not really Shannon I just liked the name. I may reveal a lot of personal stuff but don't think anyone would find me any sooner than if they hired a private eye. I feel really bad for my dd. When you google her name a really, really hot 20ish girl from Vegas pops up. It worries me that some freak out there might think that is really my dd. No matter how much I have tried to tell her and her friends about personal info online I am always amazed at how much they put out there. Which is why we are trying so hard to make sure she knows about creepy stuff in case she tries to have a myspace or whatnot without our knowledge. GD- is that you in your other career? Unfortunately my dh has a common name. A local child support agency decided to search every guy with that name in CA and start garnishing taxes, wages etc. They served 5 different guys, non of which had same soc sec as offending dad. When we asked why they did not bother to at least check the soc sec number to see if they had the right guy they said "they just don't have the manpower". After speaking with the Attorney General's office we got the county to send us a letter admitting what they did and that they were wrong and would take responsibility for any harm it might cause. Dh's info got mixed up in the credit bureaus with the offending dad. It has taken years of checking every few months to make sure my dh's info stays unmixed up with the bad dad.

Sorry - a little more info to be added: (IÂm a believer itÂs best to get a private policy before one turns 50 [most carriers will not write an LTC policy on anyone younger than 45] as the premiums start to rise substantially after that age. As the first article states, the premiums for the CLASS program are not much cheaper than a Preferred risk would pay for a much better private LTC policy if purchased at age 50 or younger. Our own policies (purchased thru DH's employer 10 yrs ago) are miles better than the CLASS program offers, but if we tried to obtain these same policies now, weÂd either get turned down or have to pay three or four times more than what we currently pay.) Further info: Article: With Health Reform, Long-Term-Care Option Becomes Law CLASS Act enacted with health care reform 3/24/2010 By Stephen Miller Under the CLASS Act program, all premium costs can be charged to employees. Employers who chose to participate in the CLASS program wil be required to permit employees to make contributions by means of a payroll deduction, once the CLASS Independence Benefit Plan is designated by U. S. Department of Health and Human Services (HHS), which is to be no later than Oct. 1, 2012. Employers either would create automatic enrollment procedures that allow workers to opt out, or allow workers to choose to enroll and pay premiums. Participants must pay monthly premiums for at least five years before they could receive benefits. Seniors (over age 65 years old) who have paid premiums for at least 20 years and are not actively employed are exempt from paying any premium increase. Premium payments will be placed in a "Life Independence Account" on behalf of each eligible beneficiary and managed by the U.S. Department of Health and Human Services as a new insurance program. As the CLASS program is developed, participating employers will need to coordinate with their payroll services providers to facilitate these deductions and contributions. The Congressional Budget Office estimates that the monthly insurance premium will average about $123 in 2011. Premiums vary with age and will not increase once employees signed up, but they would increase for those signing up later. After five years of paying into the program, enrollees who continue to pay monthly premiums would become eligible for assistance if they experience limitations in two or more so-called activities of daily living, including eating, bathing, dressing and taking medications. This assistance would take the form of a modest daily cash benefit, estimated at $50 per day for impaired enrollees living in the community, for services such as respite care, home care aides and accessible transportation, and up to $75 a day for enrollees who become institutionalized. These amounts would increase with inflation. Here is a link that might be useful: Earlier info on CLASS program

I love it...and the older I get the better this piece of wisdom will fit. I'm taking a nap....after I have my milk and cookies. Although, I did hear on the news that cardiovascular exercise wasn't what it has been made out to be. Another one of those scientific changes to what once was and will most likely change again. They were pushing the muscle strength/core balance.

I'm about to find out. After my daughter's dog was diagnosed with lymphoma last January, she underwent surgery and then chemotherapy. In addition, she had x-rays and MRIs. All this without insurance. Unfortunately, Missy died 2 weeks ago and my daughter added up her expenses- just over $10,000. In March of this past year, my husband and I decided it might be a smart idea to buy pet insurance for our 2 dogs, ages 7 and 12. I did some research and came up with Trupanion, one of those that reimburse you directly. You can select your own deductible, of course, with a resulting decrease in premium the higher the deductible. We chose $1000 for each of ours. None of the local area vets here participate in any of the other insurance programs except for one which gives you a 10% discount on "services." Doing web searches for info about Trupanion yielded some pretty positive reviews. Last Thursday my 12 year old was diagnosed with diabetes and put on an insulin regime. Yesterday she began to have more difficulty walking than she had been and was put on other meds as well. I will be submitting the bills to trupanion and after passing the deductible, I expect to be reimbursed for 90% of the cost of exams, procedures, labs and meds. I'll let you know how that goes. If you're interested in checking out Trupanion, I can post a referral link which will credit me with a $25 charitable donation in my name if you decide to sign up. I will not get anything personally from it and NAYY.... Helene