Toy's Smart Play/Smart Toys, the Best Smart
Products for Baby to Older Children for 2005."
"Children learn best through play ," says Dr.

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Through retirement planning and various insurance policies -- auto,
homeowners, liability , life, health and disability -- they have solved all of
the boxes except one: the long term care box."
Financing long term care has traditionally been accomplished in three
ways: (1) self -insuring; (2) reliance on Medicaid; and (3) purchasing long
term care insurance. Toy's Smart Play /Smart Toys" list for this year.a.com.
Exquisite, award winning Scramble Squares(R) brain teaser puzzles for ages
4 to 104 are at least as popular with adults, seniors, teenagers and college
students as they are with children. dazzle's permanent wood counter, floor and slat wall
displays each feature a demonstration puzzle on an interactive playing surface
with an electronic timer to time consumers in the 5-MINUTE CHALLENGE.

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Sudoku Solves Baby Boomer Long Term Care Puzzle

com/cgi-bin/prnh/20031024 /DAZZLOGO
http://www.com/cgi-bin/prnh/20050405/LATUD001-b)
The second report of winning toys for "Dr.. b.

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Some solutions are obvious, but others can be reached only when all
of the other possibilities have been eliminated.

Ten Scramble Squares(R) Puzzles Named to Dr. Toy's 'Smart Play/Smart Toys Award' for 2005 by The Institute for Childhood Resources

"
Dr. Toy reports that in the years the innovative on-line magazine, Dr. Toy to "encourage parents and teachers to focus on the value of play as
essential to the learning process." The winning products include innovative toys,
games, books, videos, audio tapes, software/CD's, crafts and other children's
products.

" The honored
products are from among large and small companies and range from low to high
tech for "hours of constructive, educational and stimulating fun." "This is a perfect time," she says, "to 'take stock'
and do an inventory of what your child is playing with, what is not used and
what they need next in their learning process.

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" Neveleff enthusiastically endorses both Sudoku and long term
care insurance as enhancements to well-being, with one sharpening mental
acuity and the other solidifying financial security.

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This effectively precludes
the so-called "half-a-loaf" strategy previously employed by Medicaid planners,
which enabled them to shield the transferred assets by simply waiting a period
of time before applying for Medicaid., b." Scramble Squares(R) received
more of the awards than any other of the one hundred six products named to the
"Dr.newscom.com /cgi-bin/prnh/20050405/LATUD001LOGO-a)
(Photo: http://www. Among the criteria are: safety,
age-appropriateness, design, durability, lasting play value, cultural and
ethnic diversity, good transition from home to school, educational value,
learning skills, creativity, improvement in understanding of the community and
the world, good value for price, and, naturally, fun.

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Toy's Guide, on the Internet 's World Wide Web. Toy or by logging onto http://www.
dazzle promptly replaces the stores' puzzles awarded to consumers at no cost
to the merchants. dazzle founder, puzzle designer,
president + CEO, Kathie Gavin.

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The new law also authorizes the
expansion of the long term care insurance Partnership program, which allows
individual states to authorize special long term care insurance policies
enabling people to legally shield a certain amount of their assets from
Medicaid spenddown.
"The federal government has spoken loudly and clearly," says Neveleff,
"and the message is that Medicaid is to be used exclusively by the truly needy
and that the middle and wealthy classes may not look to the government to pay
for their long term care."
(Logos: http://www.newscom." This web site was the first on-line to
evaluate toys and children's products. Store
displays come complete with the unique Scramble Squares(R) "5-MINUTE
CHALLENGE(TM)" in-store free puzzle giveaway promotion for consumers who solve
a Scramble Squares(R) demonstration puzzle within five minutes!
Current Scramble Squares(R) puzzle topic categories include nature,
sports, history, culture, geography, science, technology, occupations,
fantasy, gourmet, hobbies and activities.00 retail for all ages of
adults and children that can be selected by style to appeal to the personal
interests of the recipient," says b.

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There are nine squares and nine boxes within each square." "Consequently," adds Neveleff, "since self-
insurance does not fit unless you are extremely wealthy and since Medicaid
planning is no longer an option, by taking the Sudoku approach and solving
problems through the process of elimination, the only solution to the long
term care puzzle for most middle and upper class Baby Boomers is long term
care insurance.

k. Toy), is now available to parents,
teachers and others on Dr.
dazzle also offers a free, very compact, corrugated counter spinner display,
including the timer and poster, with the purchase of any 72 Scramble
Squares(R) puzzles in any quantity per style.

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newscom."
"By making a renewed focus on selecting summer as an ideal time for
choosing new products for children," adds Dr.

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"I do the puzzle in the newspaper every day with my
morning coffee."
So how exactly does the puzzle relate to long term care? Sudoku is about
finding solutions.
"Imagine," offers Neveleff, "that each box relates to a different
financial risk that Boomers may encounter during the course of their lives. REDONDO BEACH, Calif . dazzle, inc.
Dr. Auerbach, "and these 'Smart
Toys and Smart Products' encourage children to maximize their potentials and
make the most of "Smart Play. b.

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"I've become addicted to
Sudoku ," says Neveleff.
However, on February 8, 2006 President Bush signed into law the Deficit
Reduction Act of 2005, stating that "the bill tightens the loopholes that
allowed people to game the system by transferring assets to their children so
they can qualify for Medicaid benefits. The ten Scramble
Squares(R) puzzles receiving this prestigious award are "Boston," "Bunnies,"
"Civil War," "Hot Air Balloons," "Ice Cream You Scream," "Penguins,"
"Retrievers," "Sea Shells," "Serengeti" and "Space Shuttle.D. Toy's Smart Play/Smart Toys Award Program 2004" was developed by
Dr. Toy, "parents improve their
children's development.

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Self-insurance can be extremely risky and is
increasingly expensive . With at least a 40% chance of needing long term care
at some point in life and the current average annual cost of nursing home care
exceeding $70,000, a prolonged period of care could have serious financial
consequences. Toy, Director of
the Institute for Childhood Resources, founded in San Francisco in 1975, "I
have seen the continuous, essential need for more year-round resources for
consumers to identify and choose the most appropriate, safe and engaging
learning and developmental products for all children. for Father's Day, Mother's Day, Easter,
Halloween, birthdays, get well , graduation, travel and holidays.
Each Scramble Squares(R) puzzle package includes a panel of fascinating
factual information on the subject of the puzzle, as well as a trivia question
and hidden answer, all packaged in a unique and handy heavy duty 10 1/2" long
x 5 3/4" wide x 3/8" deep resealable vinyl travel pouch, which may be
collected and stored easily in a standard 3-ring binder .

Scramble Squares(R) teaches:

* Critical Thinking/Problem Solving Skills
* Patience
* Perseverance
* Statistical Probabilities
* Cooperative and Solitary Productivity

Scramble Squares(R) also helps maintain mental agility, sharpness and
memory in seniors and adults, while providing hours of quiet and stimulating
entertainment .

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However, there is only one solution for each box in the
puzzle." Among other things, the new law
extends the Medicaid "lookback" period on transfers from 3 to 5 years and
starts the penalty period caused by such transfers on the date of Medicaid
eligibility rather than the date of the transfer . of Redondo
Beach, California, has announced that ten of its Scramble Squares(R) 9-piece
brain teaser puzzles have been honored by The Institute for Childhood
Resources in San Francisco as "Dr .
Toy's Guide, has been available, "thousands of visitors daily from around the
world have accessed its information. Although each Scramble Squares(R) puzzle
has only nine 4" x 4" pieces, Scramble Squares(R) puzzles are Perhaps the
World's Most Challenging Puzzle(TM)! At under $10. The vinyl pouch is
crystal clear, enabling the consumer to see the extraordinary beauty of the
puzzles' realistic original art, while achieving a very high amount of retail
value per square foot of store space for the merchant.(TM) b.

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The puzzle must be completed so that every row, column and square contains the
numbers 1 through 9. Dr.(TM)" Retailers can give a free Scramble Squares(R)
puzzle to any customer who accepts the challenge and successfully solves the
nine piece Scramble Squares (R) demonstration puzzle within five minutes.

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Toy's Smart Play/Smart Toys
2005," based on the newly released book by noted child development authority
Stevanne Auerbach, Ph.drtoy. Auerbach as a service to consumers who desire to purchase safe,
affordable, educationally oriented and stimulating toys and other products for
children., Canada and from other
countries will provide children with exciting new learning tools that will
help them not only to do better in school, but will also provide constructive
activities to do after school.

b.

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(a. The
free report is available by requesting a copy by sending a SASE #10 envelope
to Dr.
"As a childhood specialist for over 35 years," says Dr. New styles are added approximately
every six months.

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Auerbach believes "parents need help to get a head start locating new
diversified products that children will enjoy using while they increase
learning skills, enhance instruction and expand creativity.

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GAITHERSBURG, Md. It's a great brain exercise.95 each.

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Toy's Smart Play/Smart Toys" award winning products were carefully
chosen from among hundreds that she reviewed at toy fairs, catalogs and
through many other sources, and by using extensive criteria that she has
developed over many years. dazzle provides a free 24" x 36" full color "WIN A FREE PUZZLE"
promotional poster to any store offering its customers the Scramble Squares(R)
"5-MINUTE CHALLENGE.

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, Can the popular Sudoku puzzle
craze sweeping the nation help Baby Boomers figure out how to pay for their
long term care? Yes, says Ed Neveleff, long term care insurance expert, with
Senior Insurance Services of Gaithersburg, Maryland.
Medicaid, with its many loopholes enabling people to transfer assets and
still qualify, has previously been a viable solution for many people. The report is being released according
to Dr." She adds, "The smart play products
selected from varied companies across the U. Scramble
Squares(R) puzzles are Easy To Play, But Hard To Solve!(TM) Over 100
exquisite styles of colorful original art are available on nature, sports,
history, culture, geography, science, technology, occupations, fantasy,
hobbies and activities, and more new styles are added every six months.

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00 retail, Scramble
Squares(R) puzzles make inexpensive, but highly entertaining and valued gifts
for both men and women alike.

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"Dr."
Dr.. The suggested retail price for a Scramble Squares(R) puzzle
is $7.
"Our company's mission is to produce a wide range of beautiful, wholesome,
entertaining and informative gifts for under $10.

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puzzle quiddler

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Sudoku Solves Baby Boomer Long Term Care Puzzle

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Ten Scramble Squares(R) Puzzles Named to Dr. Toy's 'Smart Play/Smart Toys Award' for 2005 by The Institute for Childhood Resources

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Puzzles playable on the web (Java, Shockwave, CGI etc) where brains count for more than brawn.

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