Thank you Paula W and CTenaLouise for your understanding and quick response. I appreciate it. I feel much more welcome now. And to Rosebud, I understand your skepticism (I think.)

The only "credentials" I have to point to is the APDA. Before I finally had to retire at the ripe old age of 41, I worked as a financial planner and wrote several articles that were published in the APDA monthly newsletter. I felt I was in a unique position to help other PD'ers, so I wrote about the special financial planning needs we will encounter (on my own time and not for pay).

You could look it up if you like or I can try to dig up a copy.(it's almost 10 years ago!). I would hope this would make a "believer" out of you regarding my identity. But after reading it I'm afraid you'll suspect me of trying to sell you insurance!!! (That was meant to be funny, not critical).

I wish us all good health,
the "other" Keith