New Website for a New Year

Our new website and service – RetirementBenefits4U.com - is up and running. This site will be a source for over 10,000 retirement benefits that start at age 40! These programs are for people with incomes up to $150K per year. With this site comes a membership service that helps you fill out government applications to ensure you get the benefits you are entitled to receive. Be one of the first to benefit from this exclusive service. See www.retirementbenefits4u.com/offer-rb4u1.html to find the little-known government program YOU qualify for.

Here are just a few of the programs featured on our new site. REMEMBER, you are eligible for “retirement benefits” as early as age 40 and with an income up to $150K!

Free Prescription Drugs…Income up to $40,000 per person…
… Valium, Prozac, Dilantin are just a few of the medications you can get FREE directly from the drug companies themselves. That's right: drug companies don't want everybody to know this, but they will give certain people who can't afford their medications their drugs free of charge if you participate in their "indigent patient programs." Your doctor needs to sign a form stating that you cannot afford the drugs that you need. Once the forms are filled out they are shipped directly to your doctor's office. Contact Pharmaceutical Research and Manufacturers of America, 1100 15th St., NW, Washington, DC 20005; www.helpingpatients.org

60% Discount On Dental Care…
… There are close to 60 dental schools in the country that offer quality care at a fraction of the cost of private dentists. I used them for years. An $800 crown can cost you only $200. Sure you get a senior student, but you also get a professor who is better than most private practitioners. Most also offer payment plans. For a school near you go to: www.scholarware.com/dentalschools.htm?source=overture

Computer Skills Workshop…
… CyberSeniors.org is dedicated to connecting seniors 50 and older to the computer world. They offer a self-paced, on-line tutorial covering basic computer information. Their Learning Centers present computer classes at low or no-cost. Learning Centers are located in: Alaska, North Dakota, Maine, Massachusetts, New Hampshire, Oregon, Pennsylvania, South Carolina, Texas, Vermont and Virginia with more to come. Contact CyberSeniors.org, One Monument Way, Portland, ME 04101; 888-676-6622; www.cyberseniors.org/artman/publish/.

Computer Courses for Seniors…
… SeniorNet entitles seniors, 50 or older, to take classes at one of over 240 learning centers, online courses and a subscription to their quarterly newsletter. Contact SeniorNet, 121 Second Street, 7th Floor, San Francisco, CA 94105; 415-495-4990; Fax: 415-495-3999; www.seniornet.org.

0% Interest Loans To Fix Up Your Home…
… No matter what your income and as long as your improvements will create a more energy efficient home you can save a lot on interest rates and finance charges by using a subsidized energy conservation loan program. These programs are typically available from your state department of energy, a local government office or your utility company. State and local government offices can be found by contacting your state or city operators or www.govengine.com. Your local phone directory and library can help you locate your local utility companies. Be sure to check them all. Here is a sample of the kinds of programs available.

Learn How To Legally Transfer Assets To Get Gov To Pay For Long Term Care…
… A government report shows that up to 21% of seniors hide their assets to help qualify for Medicaid to pay for long term nursing care (GAO-05-968). Nursing home care can cost up to $70,000 a year, so people can quickly deplete their savings accounts. Medicare only covers 100 days of skilled nursing care. Once all the patient’s funds are gone, Medicaid kicks in to cover the bill. There is a certain amount of income that is not counted in qualifying for Medicaid and when a spouse is involved there are even more rules and exemptions. Homes, automobiles, furnishings, and certain income are exempt, but all of this varies from state to state.

You are legally allowed to transfer money up to 36 months and up to 60 months for certain irrevocable trusts. That is the time period Medicaid will review your finances to see if you qualify for coverage. It is illegal to hide assets from Medicaid, and to intentionally transfer the assets to qualify for Medicaid. You can do an internet search for “Medicaid Planning” which will turn up several publications and information regarding what the rules are for your state. Some basic rules can be found at www.cms.hhs.gov/MedicaidEligibility/07_IncomeandResourceGuidelines.asp#TopOfPage, although you will need to contact your state directly to find out specifics for your state. You can also locate some specific information at www.elderlawanswers.com which provides rules for each state. Senior Legal hotlines can answer your questions and put you in contact with people who can assist you in estate planning.

90% Discount On Eyeglasses…
Pearle Vision Centers offers 50% off either the lenses or frames when you purchase a complete set of glasses to people 50-59; 60% off to those 60-69; and so on until seniors reach 100 and they are given 100% off either the lenses or frames when they purchase a complete set of glasses. Lens Crafters and Eye Glass Factory also offer discount programs. Now it makes seeing clearly less costly.

Financial Assistance For Those Needing Heart Surgery…
… The Larry King Cardiac Foundation (LKCF) was established in 1988 to provide funding for life-saving treatment for individuals who, due to limited means or inadequate insurance, would otherwise be unable to receive the treatment and care they so desperately need. The Foundation works in conjunction with hospitals throughout the nation to ensure that such patients receive proper medical attention. Doctors performing these surgeries do so at cost. Hospitals are compensated only for the materials used. Eligible patients must meet the following minimum criteria: US citizens or have a legal right to be in the US; do not have financial resources to pay for the procedures themselves; and be free of any criminal conviction. The Foundation pays for cardiac-related procedures that are: already performed and approved in advance; and that are performed in one of their affiliate care centers with one of their doctors. Funds are sent directly to the hospital for reimbursement, not to the individual. Contact: The Larry King Cardiac Foundation, 15720 Crabbs Branch Way, Suite D, Rockville, MD 20855; 866-302-5523; www.lkcf.org.

Get A GED, Degree Or PhD For Free…
… Believe it or not, more than 350 colleges and universities all across the country have special programs for seniors who are interested in going back to school. This often means auditing courses or taking courses for credit for free or at discounts up to 90% on the list price. They also offer discounts on fees and books, and even special deals on housing. You can audit just one course or get a PhD. Some states call it a Senior Scholar program. Anyone interested should contact the school they wish to attend to find out how to apply for a discount or waiver. Some limitations and restrictions may apply. Contact your local college or university and ask what programs they offer.

Free Legal Help To Fight Age Discrimination…
… There’s no need to take harassment or bullying on the job. Here is your chance to fight back. If you believe you have been discriminated against by an employer, labor union, or employment agency when applying for a job or while on the job because of age, disability, race, color, sex, religion, or national origin, you may file a charge with the Equal Employment Opportunity Commission (EEOC). For more information, contact: Equal Employment Opportunity Commission, 1801 L St., NW, Washington, DC 20507; 202-663-4900; 800-669-4000; www.eeoc.gov.

30 MILLION People Will Get a Grant in 2006…
… Why not make a “resolution” now to be one of them? Every year, over 1 trillion dollars worth of government grants are available to Americans just like you. Don’t miss out on getting YOUR share this year. For a limited time you can purchase my exclusive Get a Grant Package at a 50% Discount (see www.freemoneyforeverybody.com/EVnewyeargrant1.html). This package includes my bestseller, How To Write And Get A Grant plus a bonus book and CD-ROM with examples of 50 successful grant applications absolutely FREE. Order this special half-price offer at www.freemoneyforeverybody.com/EVnewyeargrant1.html.