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ADVERTISEMENT
Senior Citizens with
Money in the Bank
Should Read This Before
It's Too Late
If you have worked hard all your life and
managed to put away a nest egg. you might
end up losing most of your life savings
because of a defect in Medicare.
If you or your spouse suddenly become ill
and require extended nursing home care...NO
ONE will help you with the nursing home bills.
Medicare won't and neither will your health
insurance. By law you are responsible for the
nursing home bills yourself. Only after you
have used up virtually all of your money, will
Medicaid step in. That's because Medicaid, like
Welfare, only aids the poor. By some estimates,
the average couple's life savings can be wiped
out after only 13 weeks of nursing home care.
Rich people don't have to worry because
they can afford super-expensive special nursing
home insurance, while the poor are taken care
of by Medicaid.
Now that just doesn't seem fair to working
people with a lifetime of hard-earned savings.
The system they have supported with tax dol
lars. seems to have forgotten them. Savings
intended to provide security in retirement, or
help for children, can quickly go up in smoke.
The fact is. if you don't know how to protect
your assets, here's what can happen to you. By
law. before Medicaid will pay nursing home
bills, you may have to spend all your countable
assets except 52000 (or as low as SISOO in some
states). Countable assets mean not only money
in checking and savings accounts.. .but also any
funds in CD’s. IRA's. Savings Bonds. Mutual
Funds, stocks, whole life insurance, annuities
and other types of investments, as well as most
trust assets.
They can also take a vacation home or a sec
ond car. In addition, (except for a small person
al spending allowance and a health insurance
payment allowance) your entire Social Security
or pension check can be taken to cover nursing
home expenses. What's more, if you are single
or widowed, you can even lose your house.
According to the federal law called the
Spousal Impoverishment Act. if one spouse
requires extended nursing home care, the
healthy spouse can be forced to surrender
HALF of their combined countable assets. And
if you have a sizeable estate, thev can legallv
take MORE THAN HALF.
Is there anything you can do to stop this
nightmare from happening to you? Yes. You are
protected by law and can use several legal tech
niques to place your countable (or vulnerable)
assets into the uncountable (or protected) cate
gory. The problem is. most people are not aware
of their legal rights. Unfortunately, most people
think Medicare will take care of them, so they
unknowingly leave their assets vulnerable and
in jeopardy.
Your legal rights and the many methods of
protecting your money are now revealed in
“How to Protect Your Financial Security." This
financial self-defense manual tells you simple
legal procedures for preserving your money and
warns of pitfalls to avoid. Here is some of the
valuable material you learn:
• Legal wavs to turn countable (or vulnera
ble) assets into uncountable (or protected)
assets
• How to protect vour house from being sold
to pay your nursing home bills
• How to protect a second car or vacation
home
• If you give your money to your children
without following these precise guidelines,
a nursing home could get your money
anyhow
• What you need to know about Living Trusts
• What lawyers never tell you about protect
ing your will
As a hard-working taxpayer, you have a
legal right to protect your life savings for your
self, your spouse or your heirs. You don't have
to be rich to have peace of mind. You just have
to follow the easy steps outlined in “How to
Protect Your Financial Security."
Although “How to Protect Your Financial
Security" can easily save you thousands of dol
lars, the price is very reasonable. Right now.
you can receive a special press run for only
$12.95 plus $2.00 postage and handling. It is
not available in any bookstore. It is only avail
able through this special offer on a 90 day
Money Back Guarantee. If you are dissatisfied
in any way. just return it in 90 days for a full
refund, no questions asked.
Order an extra copy for family or friend and
SAVE. You can order 2 for only S2O total.
HERE'S HOW TO ORDER: Just PRINT
your name and address and the words
"Financial Security" on a piece of paper and
mail it along with a check or money order to:
THE LEADER CO., INC.. Publishina Division.
Dept.FßX47s. P.O. Box 8347. Canton. OH
44711. (Make checks payable to The Leader
Co.. Inc.) VISA or Master Card, send card num
ber and expiration date. Act now. Don't leave
your assets in jeopardy. ©:oo7 me Leader Co., inc.
HOLIDAY 2007
The Best of the Best:
Our present to your holiday table: 6 unique recipes
that your favorite TV chefs feed the people they love.
BY MICHELE HATTY
When we asked six top Fbod
Network chefs to give us
their favorite fast recipes
for holiday entertaining,
we had no idea that they would be so
passionate about their offerings. Each
chef delivered an exclusive dish, either
created just for us or tweaked to make
it unique from other recipes they’ve pub
lished. And all spoke candidly about why
they returned again and again to their
respective dishes each holiday season.
For some, the dishes fit perfectly into
their cultural heritage. Mario Batali
shared the pasta dish that he makes for
wife Susan and sons Benno, 11, and Leo,
9, each Christmas Eve. And Ingrid
Hofmann gave us her go-to, crowd
pleasing recipe for a traditional Latin
dessert called Churrisimos.
Other chefs, such as Giada De
La U rent!is with her Cornbread Pan
zaneiia and Masaharu Morimoto
with his Mashed Potato Soup with Wa
sabi, revealed recipes that merge per
sonal heritage with American traditions,
creating new favorites along the way.
Some chefs, like Bobby Fiay and
N igelia Lawson , took traditional
Cookware!
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USA WEEKEND • Nov. 9-11,2007
See the Food Network
pullOUt On PAGE 14 >
ON THE COVER
Host of two Food
Network shows,
author of three
cookbooks and
occasional Today \
show co-anchor, *
cover girl Giada
De Laurentiis is always busy. Still,
celebrating the holidays is a priority.
"The thing about my family is that a
lot of us are married to Americans,”
the native Italian says. "Although in
Italy we don't celebrate Thanksgiving,
we mix the American tradition with
Italian favorites and make our own
Italian-American Thanksgiving."
holiday dishes and gave them a modern
twist. The results Flay’s Cranberry-
Mango Relish and Lawson’s Sweet Pbta
toes with Pecans and Blue Cheese
prove that you can remake the classics.
Read on for a very personal glimpse
into the holiday tastes and traditions of
some of the country’s best-known and
most-loved chefs. With recipes this ap
pealing, we’re certain that you’ll want
to include these dishes on your holi
day table this year, a
WIN!
three dish towels; five gadgets
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