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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! Enter online to win Food Network gear from Kohl's. USA WEEKEND Magazine and Kohl's are excited to give five lucky readers a selection of cookware worth up to $375, designed by the experts at Food f Network. Each package includes a 4-in-1 stainless- 4 steel grill (which also Wt serves as a panini press, a waffle maker and griddle); a 10-inch non-stick skillet; a non-stick oblong cake pan; a two-piece cutting board set; 12 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 (spoons, spatula, tongs, etc); and a three-piece stainless- ~ steel nesting bowl set. If you're ready to trade your old cookware for shiny new stuff, go to usaweekend.com by Nov. 29 to enter. COVTR PHOTO OF Of I AURfNTMS Mfl ANIf DUMA CPI FOR USA WTf Ks ND HAIR: l AINI RffVFS, AVANT GROUPF. MAKTUP VANfSSA SCAI I. AVANT GROUPf ; STYI INC ROBYN GO! DBfRG, Cfl f STINT. 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