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I am one of the fortunate ones who got the panni done and

insurance paid for it. I am currently on SSD (not going to become a

millionaire in this life time.) I had to let go of my insurance about 2

months after the panni was done. I am not eligible for Medicare until

September of this year and I make to much for Medicaid. Of course it

doesn't take much to make to much for Medicaid. I would have had no way

to pay for my panni if my previous insurance had not paid for it. So I

do completely understand about not being able to financially afford the

surgery. However, if I had not said this, would any of you know that?

Probably not.

There was a show I saw several years ago when I was unemployed

and didn't think I was going to make it. It totally impressed me because

I would have never thought of it myself. This show was on welfare

mother's saving money. The counselor working with these woman stated

that we should always pay ourselves first and foremost. She suggested

that every time these women got paid that they save a quarter in a change

jar that could not be used. She stated that if a quarter was too much a

penny, nickel, or dime would do. It was primarily to get into the habit

of saving money in good times as well as bad.

At first I thought that this idea was crazy. Then I decide it

was worth a try. When I went onto social security, I started putting all

of my change in a change jar the day I got my social security check.

After about a year I had $17. Unfortunately, I was in the process of

moving and had to use the money just to get to the new place. However, I

started saving change again almost immediately. I now have about $4.00.

It is not a whole lot but it is $4 more then I would have had if I had

not saved it. At this rate it would take me FOREVER to pay for a

surgery. However, I have not designated this savings for anything

special. If I had, I would probably be putting in any leftover money in

my checking account into the jar each month. I usually have about $5

each month left.

I guess the reason I am saying this is that sometimes even the

pennies can count. It is ultimately what we put our mind too. There are

so many things that I did when I was in college that I would never have

done if I hadn't needed the money. I sold books. I sold furniture. I

donated plasma (gotta be a starving student thing). Then, again, there

are times when I have to realize that there are more important things in

life then my wants and I have to decide what is truly important.

I hope some of this makes sense. I feel like I may just be

rambling.

Lori Owen - Denton, Texas

CHF 4/14/01 479 lbs.

SRVG 7/16/01 401 lbs.

Current Weight 335

Dr. Ritter/Dr. Bryce

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I am one of the fortunate ones who got the panni done and

insurance paid for it. I am currently on SSD (not going to become a

millionaire in this life time.) I had to let go of my insurance about 2

months after the panni was done. I am not eligible for Medicare until

September of this year and I make to much for Medicaid. Of course it

doesn't take much to make to much for Medicaid. I would have had no way

to pay for my panni if my previous insurance had not paid for it. So I

do completely understand about not being able to financially afford the

surgery. However, if I had not said this, would any of you know that?

Probably not.

There was a show I saw several years ago when I was unemployed

and didn't think I was going to make it. It totally impressed me because

I would have never thought of it myself. This show was on welfare

mother's saving money. The counselor working with these woman stated

that we should always pay ourselves first and foremost. She suggested

that every time these women got paid that they save a quarter in a change

jar that could not be used. She stated that if a quarter was too much a

penny, nickel, or dime would do. It was primarily to get into the habit

of saving money in good times as well as bad.

At first I thought that this idea was crazy. Then I decide it

was worth a try. When I went onto social security, I started putting all

of my change in a change jar the day I got my social security check.

After about a year I had $17. Unfortunately, I was in the process of

moving and had to use the money just to get to the new place. However, I

started saving change again almost immediately. I now have about $4.00.

It is not a whole lot but it is $4 more then I would have had if I had

not saved it. At this rate it would take me FOREVER to pay for a

surgery. However, I have not designated this savings for anything

special. If I had, I would probably be putting in any leftover money in

my checking account into the jar each month. I usually have about $5

each month left.

I guess the reason I am saying this is that sometimes even the

pennies can count. It is ultimately what we put our mind too. There are

so many things that I did when I was in college that I would never have

done if I hadn't needed the money. I sold books. I sold furniture. I

donated plasma (gotta be a starving student thing). Then, again, there

are times when I have to realize that there are more important things in

life then my wants and I have to decide what is truly important.

I hope some of this makes sense. I feel like I may just be

rambling.

Lori Owen - Denton, Texas

CHF 4/14/01 479 lbs.

SRVG 7/16/01 401 lbs.

Current Weight 335

Dr. Ritter/Dr. Bryce

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