@Brian Simmons, I understand the reasoning behind sending those kinds of letters to healthcare providers.  

They rely on the government for food, housing, healthcare, transportation, etc.

(I currently make a little over 60/yr)  I still have a casual job and am about to finish my healthcare management degree in June to open more opportunities until I get investing up and lucrative.

It sort of runs separately because it has partners and is in the healthcare industry.

I got a call from a private lending firm that deal with healthcare professionals.

I had a vision where people are lined getting free government services( phone, healthcare, bridge card, unemployment, water, etc).

Work for a healthcare field position that’s very flexible in my time but I can’t do the 9-5ish much longer...

.$21.70Keene NHNJJohnson & Johnson$71.31Johnson & Johnson$74.33New Brunswick NJNMPresbyterian Healthcare Services$4.60Presbyterian Healthcare Services$2.05Albuquerque NMNYVerizon Communications$120.55Verizon Communications$127.07New York NYNCBank of America$101.69Bank of America$95.18Charlotte NCNDMDU Resources Group Inc.$4.46MDU Resources Group Inc.$4.67Bismarck NDOHCardinal Health$101.09The Kroger Co.$108.46Cincinnati OHOKLove's Travel Stops & Country Stores Inc.$26.09Love's Travel Stops & Country Stores Inc.$26.09Oklahoma City OKORNike Inc.$25.31Nike Inc.$27.79Beaverton ORPAAmeriSourceBergen$87.95AmeriSourceBergen$119.56Chesterbrook PARICVS Caremark$126.76CVS Caremark$139.36Woonsocket RISCSonoco Products Company$4.48Sonoco Products Company$5.01Hartsville SCSDSanford Health$3.10Poet LLC.$6.00Sioux Falls SDTNFedEx Corporation$44.28FedEx Corporation$45.46Memphis TNTXExxon Mobil$438.25Exxon Mobil$411.93Irving TXUTHuntsman Corporation$11.07Huntsman Corporation$11.57Salt Lake City UTVTKeurig Green Mountain Inc.$4.35Keurig Green Mountain Inc.$4.70Waterbury VTVAFreddie Mac$81.22The Long & Foster Companies Inc.$42.70Chantilly VAWACostCo Wholesale$105.15CostCo Wholesale$112.64Issaquah WAWVWest Virginia University Hospitals Inc.$1.38Mylan Pharmaceuticals Inc.$1.24Morgantown WVWIJohnson Controls Inc.$42.73Johnson Controls Inc.$42.82Milwaukee WIWYCloud Peak Energy Inc.$1.39Cloud Peak Energy Inc.$1.39Gillette WY

Awesome imput guys..the more I know becomes the more I don't.I checked out the Harvard, Stanford, and Princeton business school links on the matter.It was interesting that they could predict with levels of certainty that health care and technology sectors were going to produce the best investment returns starting in 1990.

It basically functions as a stepped up Basis to your Heirs.If the Appreciation is significantly more than $500k, I would say it makes a lot of sense to look into some sort of Capital Gains Tax mitigation.BUT, is there a risk that one or both Parents may wind up with costly health care at end of life which may confiscate the Asset?