Not sure if I trust her judgement.....she

• home remedies - Linda F
  • garlic on warts gets rid of them. sm - anon
    • funny you should bring up warts, - Linda F
  • Has anyone heard of this - This sounds weird to me.
    • green onions - Pollyanna
  • I have some - Apple Scruff
  • I don't know if they are old, but here are a few... - see message
    • We always used to use spray brake cleaner on the farm. Wasps would drop instantly, and somehow we - had a lot of them in the house in fall.
    • thanks - Linda F
      • Nancy Snyderman, Chief Medical Correspondent for MSNBC just - giddy pc guru
        • Not sure if I trust her judgement.....she - flip flops over the years...nm
          • Would you care to elaborate on "flip flops"? - giddy pc guru
            • Sure...... - sm
              • i concur, as far as you said as wanting her as my own doc; however, - giddy pc guru

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My better judgement says to pay down on the CCs.  My H wants to take 15k out of his 401k and be done with it.  He says we are still young and we can still make it up.  We are in our 30s.  I really really hate for him to do that because I see how my Dad, Mom and MIL struggle with just living on SS alone.  Also, it is a nice Band-Aid but if we don't rethink or spending it will be right back there and once that 401k is gone it is gone. 

As far as this house goes, that is the one thing I am proud of is that it is almost paid off.  The only thing wrong with this house really is that it is 200 small.  890 sq feet and there are 4 of us living here.  2 littler girls and H and I.  It is 2 bedroom 1 bath and that 1 bath is getting harder and harder for us to deal with.  H and I looked into another house a few years ago and we were shocked that the owners wanted 130k for a house that stunk and was trashed, i.e., holes in the walls, unfinished projects, a huge mess everywhere. 

We bought this house in 1999 for 29k.  It is a rock house.  It was newly remodeled, it has central heat and hair, it has a big fenced in backyard and a huge storage building H uses as a shop.  We do live in West Texas so I am thinking houses are cheaper here.  I have heard relatives say that up north in the bigger cities this house would be worth 100k or better.   

will jeopardize her other benefits.  You should have an attorney who is well versed in this type of thing to go over all the ins and outs of the situation. 

I understand your disappoinment...I'm sorry you had to catch him in a lie...that's the worst.

Stick to your initial plan and don't give in....He's gotta regain/earn your trust back at this point before you let him have the car.  The end of the semester may seem like an eternity, but it's only about 8 or 9 weeks and then he'll be home for Christmas break.  He'll live and perhaps thank you some day.   

It appears the girlfriend's parents and you are on the same page.  That's a big plus.

Did you ever get that cell phone back?   Cat

I've been the trustee of my older sister now since 2001 when our mother died.  She is mentally retarded because she fried her brain on LSD and mescalin when she was a teenager, also is bipolar and on SSDI.  

She just called me to say she is on the edge of losing all of her benefits, including her state-funded housing, because her love toy went and blabbed to the housing authority that she was getting this "extra" money and it's a huge amount.  Well, it's not a huge amount by any means, not even $40,000 to last her lifetime.  I'm sure she and her benefits are protected via the whole category of "Special Needs Trust" but to say my blood pressure is up is an understatement of the decade. 

I just want to drive 8 hours to smack the sh*t out of her and her G-spot Johnny (did I mention she's also hypersexual?!) boy toy.  Now, I'm not a violent person, but the attorney told me that the government could also come after me if they feel there has been any sort of fraud here.  I'm not the one that did drugs, yet for some reason this responsibility was tossed in my lap.  Hmmm...could be that whole atheist thing and this is mom's retribution. 

So, anyone know anything about Special Needs Trusts I should be particularly concerned about?

Next year alone, an estimated 6 million Americans will travel abroad for surgery, according to a 2008 Deloitte study. "Medical care in countries such as India, Thailand and Singapore can cost as little as 10 percent of the cost of comparable care in the United States," the report found.

Next year alone, an estimated 6 million Americans will travel abroad for surgery, according to a 2008 Deloitte study. "Medical care in countries such as India, Thailand and Singapore can cost as little as 10 percent of the cost of comparable care in the United States," the report found.

=============================

NEW DELHI, India (CNN) -- "I was a walking time bomb. I knew I had to get on that plane if I wanted to be around to see my grandkids."

Sandra Giustina is a 61-year-old uninsured American. For three years she saved her money in hopes of affording heart surgery to correct her atrial fibrillation. "They [U.S. hospitals] told me it would be about $175,000, and there was just no way could I come up with that," Giustina said.

So, with a little digging online, she found several high quality hospitals vying for her business, at a fraction of the U.S. cost. Within a month, she was on a plane from her home in Las Vegas, Nevada, to New Delhi, India. Surgeons at Max Hospital fixed her heart for "under $10,000 total, including travel."

Giustina is just one of millions around the world journeying outside their native land for medical treatment, a phenomenon known as "medical tourism." Experts say the trend in global health care has just begun. Next year alone, an estimated 6 million Americans will travel abroad for surgery, according to a 2008 Deloitte study. "Medical care in countries such as India, Thailand and Singapore can cost as little as 10 percent of the cost of comparable care in the United States," the report found.

Companies such as Los Angeles-based Planet Hospital are creating a niche in the service industry as medical travel planners. One guidebook says that more than 200 have sprung up in the last few years. "We find the best possible surgeons and deliver their service to patients safely, affordably and immediately," said Rudy Rupak, president of Planet Hospital. "No one should have to choose between an operation to save their life or going bankrupt."

Planet Hospital, which works with international clients as well as Americans, books patients' travel and arranges phone interviews with potential surgeons. Patients are greeted by a company representative at the airport in the country where they've chosen to be treated; a 24-hour personal "patient concierge" is also provided, a level of service that's standard among many of the top medical travel planning companies.  Watch Dr. Sanjay Gupta meet some medical tourists »

"Our patient concierge was amazing," said Giustina. "He came to the hospital every day, gave us his personal [telephone] number and after my operation, he arranged private tours of India." Just two days post-op, Giustina and her husband, Dino, toured local markets and landmarks including the Presidential Palace and the Taj Mahal.

"I was able to fix my heart and tour India, which is something I thought I'd never do."

Walk through a patient wing at Max Hospital in New Delhi on any given day and you're likely to see people from around the world. In one visit, CNN met patients from the United Kingdom, Nigeria, Jordan, Afghanistan and the United States. They're alike in choosing surgery abroad, but their reasons differ.

Many South Asians and Africans said they travel abroad because they do not have access to care in their homeland.

Some Canadians and Europeans said they chose to travel aboard, despite having national health plans, because they are tired of waiting -- sometimes years -- for treatment.

Patients from the Middle East said they come to India because the technology as well as the staff is more advanced.

For most Americans CNN spoke to, it came down to finding the best value. "If I could have afforded my procedure in the United States, I would have taken it, but that was not my option," Giustina said. "I had to get online and look for a Plan B." Read about hot destinations for medical tourism

The private hospitals in India market themselves as having upscale accommodations, Western-trained surgeons and state-of-the-art medical equipment.

CNN spent time at Max Healthcare in New Delhi and saw operating rooms similar to those in many U.S. hospitals. If fact, Max's neurosurgery room had an inter-operative MRI scanner, which is technology hardly seen at hospitals in the United States.

The lobby had marble floors, a book café, coffee station and a Subway sandwich shop. The patient suites were equipped with flat screen TVs, DVD players and Wi-Fi. This hospital also catered to families traveling together. The suites had adjoining rooms with a kitchenette, coffee maker and a sofa bed.

Max neurosurgeon Dr. Ajaya Jha said the hospital can provide high-quality care at low prices because the staff work hard to cut waste.  Watch Dr. Gupta visit an Indian spice market »

"I've seen hospitals in the U.S. where they open up something costing $10,000 and say, 'Oh it's not working. OK, give me another one.' We would never do that here. Even for 100 rupees (about $2) -- we would say, "Do we need to open this suture? Do we need to open this gauze?' We are very conscious of cost."

Hospital officials negotiate hard to keep costs low for high-tech medical machinery and other supplies, Jha said. "In the U.S. people are making careers out of carrying laptops and documenting things that are not really useful in the long term for the patient."

The salary of a U.S. surgeon is five times that of a surgeon in India. "We [surgeons in India] want to make a profit, but we don't want to profiteer. We don't want squeeze people and I think American industries should also think that way," Jha said.

Critics of medical tourism warn patients to be diligent when researching treatment aboard. "I've found that industry voices tend to crowd out those of us who are more cautious about the legal risks," said Nathan Cortez, assistant law professor at Southern Methodist University, who is conducting a case study investigating what legal recourse patients have outside America.

Patients don't think about their legal vulnerabilities, Cortez said. "Some countries limit patient access to medical records so they can't really learn what happened during the surgery. And a lot of practitioners in other countries just refuse to give you your medical records. So people have to weigh the risk versus benefits."

While most tourism patients from America are uninsured, major U.S. insurance companies are considering providing "medical tourism" coverage to their customers. Several have already launched pilot programs.

"I think what's really important about medical tourism is that you make the choice for what's right for you and what's important to them," said a spokesman for U.S. health insurer WellPoint Inc.

Experts say that every patient considering traveling abroad for surgery should inquire about postoperative care, legal rights and the safety standards and certifications of the hospital. Foreign health care providers should be willing to discuss the procedure and answer question ahead of time.

"What really helped me feel good about the process was that my doctor in the U.S. spoke to the cardiologist in India prior to my trip," said Giustina. "They were so open about everything; I knew I'd be in good hands."

Just weeks from returning from abroad, Giustina says she has only one regret, "I shouldn't have waited so long! I feel like a new person again, no more pain."