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I've had the same longterm health care insurance in place for about 15 years - just in case. The premium is automatically deducted from my account each month. Now I'm wondering if it will be affected by the economy. Does anyone know how we can check out the soundness of our longterm insurer?

Exactly what happened to me - I tried every kind of progesterone - but at that time studies showed that in women who have not had uterine removal, using estrogen without progesterone increases the risk of developing uterine Cancer. I tried but just couldn't go cold turkey, so gradually worked...

Bails, As far as I can tell, the mortgage industry here really started having problems when the 0 down, no income verification, teaser rate, no closing costs loans came into vogue. Before that, people had to be "qualified" for a loan. Sometimes they were turned down. If they...

Hi Bails, Thanks for all the information. As Erd50 has explained, we are searching in this country for a better healthcare system. For years every presidential candidate has been promising to fix the broken healthcare system here - but it never happens. That's why we are interested in looking...

Ian, We hear virtually nothing here about the Australian health care system, though I've been told it is excellent, and as you say, free for the most part unless you want frills. You probably know there's an ongoing discussion here in USA about improving our health care system while reducing...

This is another way the scheme worked: A realtor lists a house with a value range - $500K - $570K. This was a common practice in some areas of the country - listing with a value range instead of a set price. An offer comes in from the a realty company. The real estate broker is the realtor...

G'day Ian, Welcome to the forum. :) Can you tell us about your health care system in Aus? Is it the same in each state? Any free medical care? I spent time in Australia many years ago - I remember it as a magnificent country with very friendly, straightforward people. We took a trip on a...

Keim, From reading your posts it sounds as if you have the fire in your belly and are not afraid of being a landlord - many are. It sounds as if you can do your own repairs - a big plus. Whether this deal works out for you or not - don't give up on this idea! You are young and real estate is...

Medicare premiums have been means tested for the past couple of years so I suppose you could say that means testing of SS is already happening. Example: my monthly Medicare premium which is automatically deducted from my SS shot up this year from $90/month to over $250/month because of a one...

Subject: Diets Q: I've heard that cardiovascular exercise can prolong life; is this true? A: Your heart is only good for so many beats, and that's it . . . Don't waste them on exercise. Everything wears out eventually. Speeding up your heart will not make you live longer; that's like saying...

Welcome Shipwreck! First, since today is 9-11, it seems especially fitting to tell you how much your service is appreciated! :) As you've already discovered there are many on this Forum who'll be able to give you sound financial advice - and plenty of other advice too whether you want it or...

On 8-31-2008 Friar 1610 posting in a separate thread, wrote: "What worries me about TRICARE Standard (and also about MEDICARE as I get within spittin' distance of it) is this: It seems like every year there's a drill to reduce the fees paid to providers. At the eleventh hour they always seem...

Actually Notmuchlonger, I think it was a pitbull with lipstick - not a pig. Just a technicality, I know. If you really want to see some incivility in politics, watch the British Parliamentary broadcasts. Here in USA the politicians are usually polite - at least to their faces.

I really enjoy the Soapbox because it's stimulating and often just plain hilarious. The Moderators deserve pats on the back for wading through the posts and keeping us in line. There are some very intelligent and knowledgable folks posting on the Soapbox - you know who you are - and I've...

As expected, a bill has been passed limiting the capital gains tax break when a rental property is converted to a principal residence for 2 years out of the 5 years before the sale for any property puchased after Dec 31st, 2008 -at least that's what I think it means Here's part of the...

Google Banjo Hangout - you'll find a very active worldwide forum of banjo players who can answer any question you have about banjos. It's almost as addictive as this forum.;D I love to hear a good banjo and I play a little banjo myself , though it's not my primary instrument. Look for a music...

Nope - it expired. Replaced by the 5.49% APR rate.

When we first saw these flying ants we thought they might be termites, though they seemed smaller, so we took them to the local Dept of Agriculture and they identified them as ants. Didn't give us any new ideas about how to get rid of them, however! Over the years, we've taken half a dozen...

When I was 30 - or even 40 I'd rather have been thin than fit. Life stretched ahead ad infinitum. By 50, my priorities had changed. At that point I would take fitness over thinness any day.

We have several varieties of ants on our property and we've declared a truce with the ones who stay outside. We leave them alone because we have an acre and there are so many we could never make even a dent in their numbers. But as soon as the weather heats up the annual migration into the house...

Simplegirl, I just checked Bankrate.com and there are several 5 year CD's yielding 5% APR or slightly over. These are with banks rated 4 or 5 stars out of a possible 5 stars for soundness. I have a PenFed credit card and love the cash rebates.

Once in a while, I'll cook up a big pot of pinto beans using the same method as OldBabe and it seems to work. To the pot, I add chopped onion, salsa, seasonings and a ham hock and simmer hours and hours till the beans are tender. I also cook another pot of crunchy 3 grain rice - brown, long...

Agreed Honobob - except in very select cases - especially looking at today's news. There are more secure options for anyone with cash to invest. Still I do think there will have to be some new creative ideas surfacing again soon from private investors and those who have to sell their homes.