Thanks all for your responses. I have alot to research. No doubt I will be going back home (to Mississippi) in the near future to address some of these issues. I do need to do some research about Medicare and mediaid. My understanding is that medicare will force my parents to delete all their money for it to kick in. That would be devastating, at least to my mother.

Alot of tough things to address. All I really want to do is take care of myself and ride my bike...