Social Security Disability Advice CONNECT

Off-topic :: RE: Palin Resigns

Insider (Ret) — Sat, 04 Jul 2009 00:00:43 GMT

Author: Insider (Ret)
Posted: Sat Jul 04, 2009 12:00 am (GMT 0)

Truly loony tunes. She's only been governor for some two years; she's barely learned the damn job, and she's resigning because she's a lame duck? That's ... well, truly loony tunes. As you say, David, the real reason will bubble to the surface before too long. Or, of course, this is the "real reason" and she's simply loony tunes.

Off-topic :: Palin Resigns

David Traver — Fri, 03 Jul 2009 23:57:09 GMT

Author: David Traver
Subject: Palin Resigns
Posted: Fri Jul 03, 2009 11:57 pm (GMT 0)

I just saw the resignation speech. From what I can figure from her nearly psychotic ramble was that she is retiring ASAP because she does not want to run for a second term. Because she does not want to run for a second term, that makes her a lame duck. Since she is a lame duck, she will resign r*ght away because a lame duck governor has no political power.

I think that's what she said, but if it is what she said, it is insane. If that's not what she said, I'd be grateful is some conservative wizard could explain it to me more clearly.

In any event, the real story reason for throwing in the towel should become evident in a few days. I suspect it will not good news for the Republican Party.

Bad timing. She should have done this as soon as she heard that Micheal Jackson died. Nobody would have noticed.
_________________
David Traver
Attorney
Traver & Traver, S.C.
P.O. Box 188
North Prairie, WI 53153-0188
262-594-2096
http://ssaconnect.com
http://traverlaw.com
https://germaniapublishing.com
http://www.jamespublishing.com/books/ssr.htm

Disability Law :: RE: Difficulties of the disabled in the world of work

kirakira — Fri, 03 Jul 2009 22:27:46 GMT

Author: kirakira
Posted: Fri Jul 03, 2009 10:27 pm (GMT 0)

Your link actually goes directly to NPR's article, which does not contain any of the comments. But I was able to get to it through this one:

http://digg.com/business_finance/The_Joy_Of_Work_A_Disabled_Man_s_Quest_For_A_Job

The interesting thing I noticed in those comments was that a lot of them referred to the stereotype "welfare queen", even though it is for the most part impossible to just collect welfare indefinitely. Misconceptions lead to incorrect judgment. Abuse of government assistance is most likely not as big of a problem as some seem to think.

Others mentioned how much more difficult it is for the disabled to be hired. Which is probably true. Hiring employees involves some degree of risk to a business, and those who want only the best of the best are often not going to hire the disabled if they believe doing so will only result in hiring a mediocre employee.

Disability Law :: RE: Difficulties of the disabled in the world of work

jayteef — Fri, 03 Jul 2009 19:17:04 GMT

Author: jayteef
Posted: Fri Jul 03, 2009 07:17 pm (GMT 0)

Quite some time ago I saw an ad that I really liked. It was something like this:

How do you treat someone who has a disability?

1. Like a Person.
2. Like a Person.
3. Like a Person.
4. Like a Person.
5. Like a Person.
6. Like a Person.
7. Like a Person.
8. Like a Person.
9. Like a Person.
10. Like a Person.
11. Like a Person.
12. Like a Person.
13. Like a Person.
14. Like a Person.
15. Like a Person.
16. Like a Person.
17. Like a Person.
18. Like a Person.
19. Like a Person.
20. Like a Person.
21. Like a Person.
22. Like a Person.
23. Like a Person.
24. Like a Person.
25. Like a Person.

Disability Law :: RE: Difficulties of the disabled in the world of work

jayteef — Fri, 03 Jul 2009 19:10:11 GMT

Author: jayteef
Posted: Fri Jul 03, 2009 07:10 pm (GMT 0)

Interesting article. The comment following the article, about defining people by their disabilities, was also interesting. Though I will admit that I often refer to my son as a "developmentally disabled person" rather than a "person with developmental disabilities."

But when you consider the idea of what something is named / called often defines how we think about it - I think the comment was on target.

(Considering the diggs comments - the term "low-life welfare hos" creates a totally different way to see a person than "individuals receiving public assistance," or maybe even "mother's trying desperately to raise their children on a miniscule amount of money.")

Bringing this around to the topic of SSA - on my recent not quite entirely positive experience with SSA, the decision- maker at one level consistently referred to my son as an "it" in the decisions. ( "its" income, ""its" father, "its" mother).

I cringed every time I saw my son referred to as an "it."

It seems that humans are the only animal that take away the mother's natural instinct to protect her young.

Sometimes I just wanted to bite somebody.

Instead, I could only appeal.

Disability Law :: Difficulties of the disabled in the world of work

David Traver — Fri, 03 Jul 2009 12:28:52 GMT

Author: David Traver
Subject: Difficulties of the disabled in the world of work
Posted: Fri Jul 03, 2009 12:28 pm (GMT 0)

The main article linked by Digg is about a disabled person's quest for employment. Read the Digg comments linked in the upper left line. Consider the prejudices involved.

Note the role of job coaches in the main article and the need for employment-related support to assist the disabled in employment.

http://digg.com/d1vUY3

_________________
David Traver
Attorney
Traver & Traver, S.C.
P.O. Box 188
North Prairie, WI 53153-0188
262-594-2096
http://ssaconnect.com
http://traverlaw.com
https://germaniapublishing.com
http://www.jamespublishing.com/books/ssr.htm

Disability Law :: RE: More from DCOSS Foster on the tipping point

Thu, 02 Jul 2009 19:41:06 GMT

Author:
Posted: Thu Jul 02, 2009 07:41 pm (GMT 0)

And I have become aware of a neat little trick my ODAR uses to show a lower pending.. purposely failing to officially receive in electronic files for several months.

I wonder how this neat little trick impacts the pending backlog numbers being run by SSA? If they run it by cases pending in the ODARS it certainly will impact it. With 147 hearing offices, if each just lets 150 cases hang in limbo they can effectively reduce the pending backlog by 22,050.

Never trust numbers that can be easily manipulated.

Disability Law :: More from DCOSS Foster on the tipping point

JOA — Thu, 02 Jul 2009 19:30:15 GMT

Author: JOA
Subject: More from DCOSS Foster on the tipping point
Posted: Thu Jul 02, 2009 07:30 pm (GMT 0)

I can't reproduce the nifty colored chart from the DCOSS's e-mail message. But here are two relevant upbeat paragraphs, from above the chart:

Quote:

Congratulations on another brilliant month on working down the disability backlog. This year, we started with a pending of 760,813 cases and we ended June with 746,398 – a drop of 4,203 cases for the month and 14,415 cases for the year. My question to all of you is do you think we can end the fiscal year with 20,000 fewer cases than the beginning of the year?

And from below the chart:

Quote:

This represents six straight months in a row where the disability backlog has gone down. This news comes at a particularly good time as the Commissioner prepares to testify before the House Budget Committee at the end of July. I am sure that Congress will be very pleased to see that the resources they have provided ODAR are being put to good use in providing better service to their constituents – many of whom are in dire need.

Good news, surely. I repeat, good news.

But it's possible to wonder whether the trickle of unfavorable decisions I have been seeing issued in unpulled cases might be related in some way to this.
_________________
I've posted this in my private capacity. What I post might be wrong. Probably, it IS wrong. Any errors are my own. Please don't infer any SSA approval for what I post.

Off-topic :: RE: Infomercial King' Billy Mays Dead at 50

Olan Barnes — Tue, 30 Jun 2009 23:19:25 GMT

Author: Olan Barnes
Posted: Tue Jun 30, 2009 11:19 pm (GMT 0)

A final footnote:

http://www.people.com/people/article/0,,20288549,00.html

http://www.poetry-online.org/donne_for_whom_the_bell_tolls.htm

For him it indeed came like a thief in the night and I feel his loss more as sometimes an irritation does indeed get felt the most.

Off-topic :: Democratic Congress, Version 60.0 Release date 6/30/09

David Traver — Tue, 30 Jun 2009 21:42:24 GMT

Author: David Traver
Subject: Democratic Congress, Version 60.0 Release date 6/30/09
Posted: Tue Jun 30, 2009 09:42 pm (GMT 0)

Happy days are here again!

Welcome Senator Franken! Congratulations!

_________________
David Traver
Attorney
Traver & Traver, S.C.
P.O. Box 188
North Prairie, WI 53153-0188
262-594-2096
http://ssaconnect.com
http://traverlaw.com
https://germaniapublishing.com
http://www.jamespublishing.com/books/ssr.htm

Off-topic :: RE: Al Frankin is the 60th U.S. Democratic Senator end

David Traver — Tue, 30 Jun 2009 21:31:21 GMT

Author: David Traver
Posted: Tue Jun 30, 2009 09:31 pm (GMT 0)

Quote:

Republican Norm Coleman is addressing supporters in St. Paul following a Minnesota Supreme Court decision today that found Democrat Al Franken has won the election. The USA TODAY story is here.

"I join all Minnesotans in congratulating our newest United States senator, Al Franken," Coleman said. "I have never believed that my service is irreplaceable. We have reached the point where further litigation damages the unity of our state, which is also fundamental. In these tough times, we all need to focus on the future. And the future today is we have a new United States senator."

Coleman concedes - On Politics - USATODAY.com, at http://blogs.usatoday.com/onpolitics/2009/06/coleman-conceedes.html (last visited June 30, 2009).
_________________
David Traver
Attorney
Traver & Traver, S.C.
P.O. Box 188
North Prairie, WI 53153-0188
262-594-2096
http://ssaconnect.com
http://traverlaw.com
https://germaniapublishing.com
http://www.jamespublishing.com/books/ssr.htm

Off-topic :: Al Frankin is the 60th U.S. Democratic Senator end

Phil Robinson — Tue, 30 Jun 2009 20:52:06 GMT

Author: Phil Robinson
Subject: Al Frankin is the 60th U.S. Democratic Senator end
Posted: Tue Jun 30, 2009 08:52 pm (GMT 0)

no other comment needed
_________________
Philip A. Robinson
Office of Joanne S. Shulman
SS Claim Development Specialists
150 Cochituate Road
Framingham, MA 01701
508 872 6600

Off-topic :: MN court says Frankiin won the election

Phil Robinson — Tue, 30 Jun 2009 19:33:15 GMT

Author: Phil Robinson
Subject: MN court says Frankiin won the election
Posted: Tue Jun 30, 2009 07:33 pm (GMT 0)

Now what happens? Does Coleman appeal to US Distriict Ct or folld his tent and go away?
Does the Republican GOV sign the election warrant?
Tune in later for the answer.
_________________
Philip A. Robinson
Office of Joanne S. Shulman
SS Claim Development Specialists
150 Cochituate Road
Framingham, MA 01701
508 872 6600

Off-topic :: Best Linux Notetaking Application

David Traver — Tue, 30 Jun 2009 04:19:08 GMT

Author: David Traver
Subject: Best Linux Notetaking Application
Posted: Tue Jun 30, 2009 04:19 am (GMT 0)

Quote:

I know a lot of people out there like to take notes with Linux, and probably didn’t come across this program yet, as it look me a bit googling to find it again. The program is called KeepNote, and is a fantastic program for taking notes. I use it with Dropbox, and store all of my notes there and that way it is synchronized to all of my systems. The program itself is open source and free, and you can support it by making a donation on the homepage.

Steven Harms' Blog · Best Linux Notetaking Application, at http://www.sharms.org/blog/2009/06/28/best-linux-notetaking-application/ (last visited June 29, 2009).
_________________
David Traver
Attorney
Traver & Traver, S.C.
P.O. Box 188
North Prairie, WI 53153-0188
262-594-2096
http://ssaconnect.com
http://traverlaw.com
https://germaniapublishing.com
http://www.jamespublishing.com/books/ssr.htm

Off-topic :: Republicans correctly blame the gays for . . . everything!

David Traver — Mon, 29 Jun 2009 13:50:41 GMT

Author: David Traver
Subject: Republicans correctly blame the gays for . . . everything!
Posted: Mon Jun 29, 2009 01:50 pm (GMT 0)

Astute (or obsessed) Connect readers will remember that I jokingly blamed gays (specifically gay marriage) for the high rate of sexual immorality among the most pious and righteous of the r*ght-wing political aristocracy. If it were not for the gays and their insidious marriage demands, there would be no need for clandestine blow jobs in airport bathrooms for Republican Senators and no walks on the Appalachian Trail for the esteemed Christian governors who rule the South. http://tinyurl.com/nc94br

It appears the R*ght has picked up the theme. I should have trade-marked the idea! But now it is too late because this meme is out in the wild.

Quote:

Rep. Sally Kern's, famous for comparing gays and lesbians to terrorists, has proposed the "Proclamation for Morality" in which she blames the nation's current economic and other problems on gays, abortion, divorce, and all around lack of Christian faith. She also mentions Obama and blames him for promoting a gay agenda.

Oklahoma Rep proposes resolution blaming bad economy on gays, at http://digg.com/politics/Oklahoma_Rep_proposes_resolution_blaming_bad_economy_on_gays (last visited June 29, 2009).

Since the Republicans had control of the Presidency for eight years, the Congress for 12, the Supreme Court nearly forever, and the majority of the governorships until 2008, shouldn't Republicans blame themselves? But wait, there's more!

Upon further reflection, it is obvious that by blaming the gays, the Republicans are admitting that President Bush and all of the Republican leaders who got us into this economic mess are indeed gay. This sudden insight harmonizes reality with their gay arguments, and it explains the jolly overnight visits and hilarious political pranks by a gay hooker at the White House during the Bush presidency. See e.g. http://en.wikipedia.org/wiki/Jeff_Gannon

It's all beginning to make sense. Conservatism is an ideology of the closeted gay! (Compare with the Lumberjack Song http://www.geocities.com/fang_club/lumberjack_song.html ) Come out of the closet Republicans. It's okay, we like our gays. This might serendipitously give you that re-branding of the party you are dying to find and help save the GOP at the eleventh-hour. (You know, Gay Old Party!)

_________________
David Traver
Attorney
Traver & Traver, S.C.
P.O. Box 188
North Prairie, WI 53153-0188
262-594-2096
http://ssaconnect.com
http://traverlaw.com
https://germaniapublishing.com
http://www.jamespublishing.com/books/ssr.htm

Disability Law :: RE: trading stocks or other on social security disability

David Traver — Mon, 29 Jun 2009 13:31:04 GMT

Author: David Traver
Posted: Mon Jun 29, 2009 01:31 pm (GMT 0)

You need to know all about the trial work period for disability benefits.

Here you go! http://www.ssa.gov/OACT/COLA/twp.html

Note that SSI does not have a trial work period, so my reply does not address SSI.

I have no opinion about earned income and IRA v. retirement. You may wish to speak to a CPA about that.

Good luck with your gambling.
_________________
David Traver
Attorney
Traver & Traver, S.C.
P.O. Box 188
North Prairie, WI 53153-0188
262-594-2096
http://ssaconnect.com
http://traverlaw.com
https://germaniapublishing.com
http://www.jamespublishing.com/books/ssr.htm

Off-topic :: RE: Infomercial King' Billy Mays Dead at 50

David Traver — Mon, 29 Jun 2009 13:27:05 GMT

Author: David Traver
Posted: Mon Jun 29, 2009 01:27 pm (GMT 0)

The very best of all pitch men (and women) are attorneys. My mom and dad and aunt and uncle were attorneys. So, I probably saw my first pitch on the day I was born. We often don't yell. Sometimes we must.

My first pitch was WAAAAAAAAAAAAAAAAAA and I got some milk.
_________________
David Traver
Attorney
Traver & Traver, S.C.
P.O. Box 188
North Prairie, WI 53153-0188
262-594-2096
http://ssaconnect.com
http://traverlaw.com
https://germaniapublishing.com
http://www.jamespublishing.com/books/ssr.htm

Off-topic :: RE: Remembering Farrah

Insider (Ret) — Mon, 29 Jun 2009 13:13:31 GMT

Author: Insider (Ret)
Posted: Mon Jun 29, 2009 01:13 pm (GMT 0)

I am outdoors enough, playing or practicing golf, taking daily 4 mile walks, etc., that I don't have to worry about the beached white whale look. I just need more protection, and during yesterday's walk, we stopped in at CVS and I got a nice big bottle of SPF 45 lotion, which now resides beside the shaving cream. Duly applied this a.m.--and another coat will go on once I get to the course later today.

I probably don't need vitamin D in the summer, but I still take it every day year-round. I don't put great stock in the vitamin research reports that one reads about; the medical community has not been very interested in nutrition and such things as vitamin supplementation until very recently and the research is only now becoming more rigorous. But vitamin D has gotten some good reviews of late. Since it's not expensive, not harmful and possibly even helpful, down the hatch it goes every a.m.

Disability Law :: CT Hall on fee agreements

JOA — Mon, 29 Jun 2009 12:43:08 GMT

Author: JOA
Subject: CT Hall on fee agreements
Posted: Mon Jun 29, 2009 12:43 pm (GMT 0)

CTH has a message up on his blog about HALLEX I-1-2-14, revised last Monday. This HALLEX section is about how a rep who files a fee agreement after getting one favorable decision but before a second favorable decision will get his or her fee agreement disapproved. Mr. Hall writes this:

Quote:

And what is the legal basis for this? Maybe there is some explanation that escapes me but this sounds like someone is trying to create a problem where none existed previously.

http://socsecnews.blogspot.com/

Mr. Hall has linked the HALLEX section in question. But here's a direct link:

http://ssa.gov/OP_Home/hallex/I-01/I-1-2-14.html

The first thing to say is this HALLEX policy isn't new. If you click on the "Transmittal I-1-58" link at the top of the HALLEX section, you'll see that the only changes made last Monday were about fee agreement amounts. Sadly, the Wayback machine will not produce the a copy of the prior text for me. But the parallel, identicial POMS instructions carry a publication date in 2005.

https://secure.ssa.gov/apps10/poms.nsf/lnx/0203940004

As for the "some explanation" that Mr. Hall asks for, where better to look than in Mr. Hall's own practice guide?

Quote:

§ 6:44. Fee agreement process—Time to submit fee agreement

The time to submit the fee agreement is before a decision is rendered. Some attorneys have considered the idea of submitting the contract only after receiving a favorable decision from the ALJ. The purpose of this is to avoid the danger of a $5,300 limit on attorney fees for work done in federal court by not submitting a contract until victory is assured. This will not work. The statute specifically requires that the contract be "presented in writing to the Secretary prior to the time of the Secretary's determination regarding the claim."[FN1]

Once an attorney has decided to go the fee agreement route, it is best to submit the contract as early as possible because of the possibility of an on the record reversal. Under the fee petition process fees are most often cut in cases decided on the record. If an on the record reversal is issued before the attorney submits the fee agreement, the attorney must submit a fee petition. If the attorney knows from the beginning that he or she wants to submit the fee agreement, it is best to submit it at the same time the attorney first contacts SSA concerning the case.

_________________
I've posted this in my private capacity. What I post might be wrong. Probably, it IS wrong. Any errors are my own. Please don't infer any SSA approval for what I post.

Disability Law :: trading stocks or other on social security disability

jsw11 — Mon, 29 Jun 2009 08:00:39 GMT

Author: jsw11
Subject: trading stocks or other on social security disability
Posted: Mon Jun 29, 2009 08:00 am (GMT 0)

hello

can you please answer the following or tell me where i might find the answers:

would it be permissible to day trade or trade stocks or otherwise while receiving ssdi?
what happens if the ssdi recipient makes a profit?
what happens if the ssdi recipient makes a large profit?

if this is a problem or would raise an alarm due to reports generated and sent to the irs and the ssa from the trading account?

how about trading in an ira?

would ira profits be not taxable, not reportable, and allowed until after 65 and only taxable and reportable at 65 or if the monies are withdrawn prior to 65?

is it safe to assume once the recipient reaches 65 they automatically get regular ss and no longer ssdi?

thank you very much for your kind attention

please pardon the typing and format

Off-topic :: RE: Infomercial King' Billy Mays Dead at 50

Olan Barnes — Mon, 29 Jun 2009 06:09:42 GMT

Author: Olan Barnes
Posted: Mon Jun 29, 2009 06:09 am (GMT 0)

OK Dave you started it - he was the greatest pitch men of all times thanks to television - but everyone can remember pitch men and that makes America what it is - people buying what we want and not what we need.

The new snake oil salesman of the 21st century.

What is your first remembrance of a pitchmen?

For me it was as a very young child in the 1950s who was in a department store with my mother and saw my first pitch man who was pitching a great new thing - a ball point pen - an instrument so new you could keep it in your shirt pocket and it would not leak. We mere mortals had to fill fountain pens prior to that - but now a new age - pall point pens. To think I am not yet 50 years old and I can remember a world without ball point pens not in common ownership.

http://www.ideafinder.com/history/inventions/ballpen.htm

Now there is wonder putty and Oxiclean (or whatever) in the market place.

I am sure everyone has seen pitchmen at antique shows or the like pitching the best pots and pans ever at CEU dtype presentations showing the best books or software - EVER.

Where were you when you saw your first pitchman? - mine was over half a century ago.

Off-topic :: RE: Remembering Farrah

David Traver — Mon, 29 Jun 2009 00:15:48 GMT

Author: David Traver
Posted: Mon Jun 29, 2009 12:15 am (GMT 0)

You are welcome. To avoid looking like a great big beached white whale, I use a sunless tanning lotion with an SPF.

Google this: spf sunless tanning

In the winter, I get some vitamin D pills to make up for the loss of home-grown vitamin D.

Cheers.
_________________
David Traver
Attorney
Traver & Traver, S.C.
P.O. Box 188
North Prairie, WI 53153-0188
262-594-2096
http://ssaconnect.com
http://traverlaw.com
https://germaniapublishing.com
http://www.jamespublishing.com/books/ssr.htm

Disability Law :: RE: Please donate today: Brenda Ramstack Benefit

David Traver — Mon, 29 Jun 2009 00:10:43 GMT

Author: David Traver
Posted: Mon Jun 29, 2009 12:10 am (GMT 0)

The Eagle community put on a really nice benefit for Brenda. Well over a thousand people dropped by. The bands were great and we all had a wonderful time.

Thanks to everybody who sent a check to Brenda's account, and to all of you who will do so in the next week.

Really, thanks!
_________________
David Traver
Attorney
Traver & Traver, S.C.
P.O. Box 188
North Prairie, WI 53153-0188
262-594-2096
http://ssaconnect.com
http://traverlaw.com
https://germaniapublishing.com
http://www.jamespublishing.com/books/ssr.htm

Off-topic :: Infomercial King' Billy Mays Dead at 50

David Traver — Mon, 29 Jun 2009 00:00:43 GMT

Author: David Traver
Subject: Infomercial King' Billy Mays Dead at 50
Posted: Mon Jun 29, 2009 12:00 am (GMT 0)

'Infomercial King' Billy Mays Dead at 50, at http://digg.com/d1v6Qz (last visited June 28, 2009).

THERE IS A MOVEMENT AROUND THE WEB TO POST EVERYTHING FOR THE NEXT WEEK IN ALL CAPS TO REMEMBER MR. MAYS. I THINK I WILL LIMIT MY-ALL CAPS REMEMBRANCE TO THIS ONE POST.

MR. MAYS WAS BY FAR, THE MOST IRRITATING PERSON, NEXT TO CARROT TOP, THAT I HAVE EVER SEEN ON TV OR IN REAL LIFE. AND IN A SOCIAL SECURITY DISABILITY PRACTICE I HAVE SEEN SOME PRETTY BIZARRE AND FREAKY JUDGES. NONETHELESS IT IS A SAD THINGS THAT HE DIED AT SUCH AN EARLY AGE. RECENTLY. BEFORE DOVE FOR THE REMOTE TO CHANGE THE STATION, I REMEMBER THINKING THAT ALTHOUGH I HATED HIS TECHNIQUE, I WAS HAPPY FOR HIM THAT HE WAS HAVING SUCH SUCCESS. IT MUST HAVE BEEN A BLAST FOR HIM AND HIS FAMILY. ANY SANE HUMAN BEING KNEW (OR AT LEAST SHOULD HAVE PRAYED) THAT IT WOULD NOT LAST) BUT NOBODY COULD GUESS IT WOULD END SO SOON AND IN SUCH A SAD WAY.

BUT WAIT, THERE'S MORE!

THIS WEEK HAS BEEN A GOOD REMINDER THAT NOBODY GETS OUT OF HERE ALIVE.

Do something wonderful before you go to bed tonight.
_________________
David Traver
Attorney
Traver & Traver, S.C.
P.O. Box 188
North Prairie, WI 53153-0188
262-594-2096
http://ssaconnect.com
http://traverlaw.com
https://germaniapublishing.com
http://www.jamespublishing.com/books/ssr.htm

Off-topic :: RE: Remembering Farrah

Insider (Ret) — Sun, 28 Jun 2009 23:07:23 GMT

Author: Insider (Ret)
Posted: Sun Jun 28, 2009 11:07 pm (GMT 0)

I need to thank you, David, for this most excellent advice. I had never thought of having sun screen (itself, or as part of moisturizer) in the medicine cabinet to apply every morning. I do remember to apply sun screen when I play golf, but there are so many other days that I don't do it--and should. My usual 4 mile walk in the a.m., for example, can include quite a bit of sun. And then there are the days when I whack balls at the range and work on my putting...out in the sun, but often without remembering to apply sun screen. So today, I bought a whopping bunch of 45 SPF sun screen and it's now prominently located in my medicine cabinet beside the shaving cream. Maybe I'll now get into the habit of "screening up" every a.m. I also have an appointment with a dermatologist in 2.5 weeks....this may make him happy. Or it may be a tad too late. We shall see.