Four ways to fix long-term care

This week the Washington Post put out a well thought out article on possible solutions to fixing the time bomb that is going on with long-term care.  The link to the Washington Post article is:
http://www.washingtonpost.com/blogs/ezra-klein/post/four-ways-to-fix-long-term-care/2011/10/19/gIQAnSK2xL_blog.html

Across the political spectrum, there’s pretty widespread recognition that, as written, health reform’s CLASS Act would have failed. The long-term care insurance program wouldn’t be able to cover the expected health care costs of those most likely to enroll: people who needed to use a lot of health care.
But what we have now doesn’t work very well, either. Only about 7 million Americans currently buy insurance policies for long-term care, even though many more will need these kind of services, like nursing homes and rehabilitative care, at some point in their lives.
There are a lot of reasons for the low take-up, which range from the high cost of premiums to lack of information to confusion about what services Medicare will cover. What that means, is a lot of Americans end up... read more go to link.

Elder Dish: My Grandmother Rocks!! So I am going to brag

OK so I don't normally use this space to post personal references; however, I just can not help but share this article that was written about my grandmother who recently turned 96.  She is such an awesome lady and has been a huge part of making me who I am. 

Go GG!!!!

Woman, 96, still quilting

SASSER, Ga. -- Martha Waddell has never been a person to watch much television, she said, or listen to the radio.

Having been born some 40 years before TV was common, she just may not have gotten use to it. She did listen to a radio when she was in high school.

"Sometimes a crowd of us would walk -- that's walk, now -- over to a neighbor's house and listen to the radio. That was in the early 30's," Waddell said.

Waddell remembers the

http://www.albanyherald.com/news/2011/oct/01/woman-96-still-quilting/?popup=true

Smartphone check-cashing scam

The Florida Bar recently reported[1] that attorneys (and general public) should be aware of a new scam involving smartphones and checks given to clients. 

If you are not aware most banks now allow people to deposit checks via a scanned copy of the check.  In fact there is currently a humorous commercial out by Chase Bank[2] showing how a check can be deposited with a smartphone. 

The scam appears to work when a client is given a check (the example given was with a title company after a closing).  The attorney leaves the room or turns there back for a period of time (often simply a minute) when they return the client returns the check and says they would prefer the money to be wired to their account.  The attorney doesn’t realize that the check returned has already been cashed.  Don’t believe it could happen?  It has according to the Florida Bar a title agent recently reported an incident to The Florida Land Title Association. 

Therefore one should use caution if a check has been handed over and  then within a short period of time it is returned with a request that the funds be paid in another way.  The Bar suggests that you not exchange forms of payment once the check has been delivered.  If that isn’t possible you should contact your bank and issue a stop payment on that check (in writing) and explain to the client that the funds can not be wired until such time as your bank gives you an assurance (in writing) that you can safely proceed. 

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[1]Http://www.floridabar.org/DIVCOM/JN/jnnews01.nsf/cb53c80c8fabd49d85256b5900678f6c/ef0d0c787065efa78525790900432b7a%21OpenDocument&Highlight=0,smartphone*

[2]http://www.bing.com/videos/search?q=Chase+commercial+deposit+check+with+phone&view=detail&mid=0FA02B5BBF8513CE38080FA02B5BBF8513CE3808&first=0&FORM=LKVR1