Off the Top o' My Head | "Don't tell me universal health care isn't a good idea. I can't afford health insurance." –100,000,000 Americans - "Don't tell me universal health care isn't a good idea. I can't afford health insurance." --100,000,000 Americans

  • https://topomyhead.com/2016/10/21/a-bureaucratic-absurdity/ A Bureaucratic Absurdity | Off the Top o' My Head - From time to time, one hears the time to wait for a delivery or answer expressed in “business hours.” What? A nurse recently said, “You will receive the test results in 48 to 72 business hours.” Does this mean two to three days or six to nine days? The latter if one assumes that a…
  • https://topomyhead.com/2011/11/06/pennsylvania-co/ Pennsylvania Commonwealth Bureaucracy | Off the Top o' My Head - Pennsylvania Commonwealth bureaucracy is truly amazing. The Department of Revenue just issued a regulation on the application of realty transfer taxes found here. Among other changes, the regulation provides clarification that a transfer to a revocable living trust for estate-planning purposes is generally not taxed, which was essentially true before the regulation was issued. No…
  • https://topomyhead.com/2016/10/15/death-of-student-loan-co-signer/ Death of Student-Loan Co-Signer | Off the Top o' My Head - Student loans are a burdensome fact of life for Americans of all ages. Post-secondary education is viewed as necessary for a lucrative occupation, either initially for a high-school graduate deciding on a career or later in life for an experienced worker who finds his or her previous employment choices disappearing. Tragically, the loan bargain many…
  • https://topomyhead.com/2016/10/06/do-not-put-premium-gas-in-your-chevy-sonic/ Do Not Put Premium Gas in your Chevy Sonic | Off the Top o' My Head - The American Automobile Association (AAA) recently studied gas-buying behavior of U.S. motorists, finding that more than 7% of us (16 million out of approximately 210 million) use premium gas when our cars don't need it. It has been known for decades that putting premium gas (90+ octane) in cars designed for regular (87+ octane) has…
  • https://topomyhead.com/2016/09/22/second-amendment-blues/ Second Amendment Blues | Off the Top o' My Head - I’m on the south side of Chicago And I’ve got guns on every side. When I stroll Madison Street; I am ready to duck, dive and hide. LaPierre and the NRA Honkies Say more guns will keep us unharmed. I can draw down and shoot back. So I’m safe as long as I’m armed. But…
  • https://topomyhead.com/2016/09/11/medicaid-and-long-term-care-insurance-partnership/ Medicaid and Long-Term Care Insurance Partnership | Off the Top o' My Head - Qualifying for Medicaid for care in a nursing home can be an ordeal. First, there are strict asset limits – $2,000 for a single person and an amount between $23,844 and $119,220 for a couple, if one spouse is not in long-term care. Second, the gauntlet an applicant or the applicant’s representative must run can…
  • https://topomyhead.com/2016/08/14/long-term-care-insurance-smart-buy-or-not/ Long-Term Care Insurance – Smart Buy or Not? | Off the Top o' My Head - In another blog, a man in his late 60s was complaining that long-term care insurance (LTCI) he bought at age 65 was costing him $3,600 per year. He bemoaned not buying it younger so it would cost less. It would have cost less because he would have paid premiums longer. Very few find themselves in…
  • https://topomyhead.com/2016/08/11/vicious-house-bill/ Vicious House Bill | Off the Top o' My Head - A particularly curmudgeonly Medicaid “reform” has been introduced in Congress. Medicaid receives heaps and mounds of criticism, particularly related to nursing-home coverage. The coverage is expensive, both on an individual basis and as a program. However, individuals in nursing homes need that care and Medicaid is the last resort if they lack the ability to…

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  • lisa errico - excellent price and quality

    Excellent quality and easy to use. Not a nightmare to put together if you are one of those people that does not get intimidated by alot of parts. Very heavy. Move to place you are keeping it piece by piece before you put it together.

  • Makin' Bacon - Best I've tried so far

    This stuff actually does what it says. I mean my skin does look a little 'stained brown' but it works! That is the point. I've done two layers so far and my boyfriend definitely notices a difference. The instructions say to put it on every day until you reach the color you want. However, I would suggest putting it on every other day. It seems like it takes 48 hrs for the color to fully soak in and develope all the way. Plus you don't want to shock yourself or anyone else from going so dark so quick. I use it on my face. The first day I used it my coworker could tell I had done something but couldn't put her finger on exactly what. She said I had a 'glow' going on. I told her it was self tanner and she was amazed at how even it looked. I use it all over. My face, neck, arms, legs, feet (sparingly), etc. I wait 48 hrs, shower and apply all over again. It didn't seem to come off much at all in the shower. I didn't see any 'tan water' going down the drain and I used a scrubber. It has NO smell at first but after the second layer it does have a very mild hint of tanning bed. My nose is extremely sensitive though. I can only smell it if I take deep breaths in but it's there. It also dries super super fast so as soon as you get it on your skin you need to rub in as evenly and quickly as possible. When it's dry your skin feels dry, not like it has lotion on it. So you don't have to go through the cold feeling of air hitting your damp-ish skin. I've tried a few self tanners and this one tops the charts so far. Shipping was fast, the product works and it's affordable. Will for sure order again when I run out.