Minor Thoughts from me to you

State Children's Health Insurance Program. It's a program created by Congress to provide health insurance for children whose parents are too poor for private insurance, but too rich for Medicaid. It's set to expire at the end of this month and Congress is fighting with President Bush over the terms of its renewal.

The House wants to double funding from $5 billion a year to $10 billion a year and cover about 3.4 million more children. The President wants to increase funding by only 20%, to $6 billion a year, and only cover children whose parents earn less than $34,340 -- twice the poverty line.

Bloomberg reported a heartwarming story from New Jersey about a family that uses SCHIP to pay for private school and basic cable.

If SCHIP weren't available, Carlie's parents could cover only the teenager through a $230-a-month policy with Horizon Blue Cross Blue Shield of New Jersey, according to the Web site ehealthinsurance.com.

What are the Siravo's spending their money on instead?

There's also $352 a month on a home-equity loan the Siravos took out to send Carlie to a private Catholic high school. Tuition is $9,000 a year.

The family's monthly bills consume most of their take-home income. Pulling out her checkbook, Lori said there's the mortgage ($1,500), utilities ($743), phones and Internet service ($200), car insurance and gasoline ($205), property taxes ($230), basic cable television ($48), food ($600) and credit- card payments ($325) on an outstanding $11,000 balance. That's $46,212 a year, not including clothes, school books and extra- curricular activities for Carlie.

New Jersery better be expensive. Between Vonage, DSL, and a two-line family plan, we only pay a little over $100 for phones and Internet service. We also don't spend anywhere near $600 a month for groceries. I'll grant that our daughter is only 7 months and Carlie is 16, but I'd be shocked if our grocery spending really quadruples over the next 15 years.

The Siravo's have every right to spend their money as they wish. But they don't have every right to take tax-payer subsidies for healthcare, then turn around and spend their savings on luxury goods. Private school, cable, and gourmet food? Give me a break.