Help for Conficker

a list of the Conficker removal programs is available on the Web site of the Conficker Working Group , an alliance of companies fighting the worm .

The removal program will take care of themselves , for the most part , scanning your system and purging the worm .

One thing to note : Conficker blocks infected machines from running removal tools with " Conficker " in the name of the file . ( once you've saved the tool to your desktop , right click on it and select " rename" ) before running it .

The program's instructions will lt you know if you need to do this .

Many antivirirs vendors already have changed the names in their removal tools , in some cases calling the file a misspelled variant of " Conficker " to trick the worm into letting the progam run .

By the associated press

Study warns most retirees aren't financially prepared

The hight cost of long term health care will drag down the quality of life for nearly two third of of today's retirees. It can cost $77,000 a year for nursing home ans $ 20,000 for inhome care , expenses that many people are ill prepared tp adsorb , said the center for retirement research at Boston College .

A new analysis shows that when the cost of health care and long term is included , 64 percent of retirees likely will be unable to maintain their retirement . the cost of health care will create such an unexpected hardship on unprepared retiring baby boomers that imperative to sound the warning now , said Alicia Munnell director of the center for retirement research .

The stock market colapse that has whacked retirement savings for millions of workers has focused attention on how poorly people are prepared for retirement expenses , Munnell said .

Health care cost rose nearly 7 percent last year after costing a total of $ 2.4 trillion in 2007 , about $ 7,900 per person , says the Nonprofit National Coalition on Health Care .

Options for paying for such care include relying on Medicaid , buying long term care insurance , selling the family home when long term care is needed or tapping into the value of the home through a reverse mortgage .

Medicaid is the most likely option for poorest retirees , Munnell said . People with higher incomes likely would prefer to buy insurance which would cost about $3500.00 a year if acquired at age 65 .

Delaying the purchase increases the price .

by the associated press