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PAGE It - PLA1NDEALER - FRIDAY. DECEMBER 5.1980 Past 65 By Carl Riblet Jr. Question -- "I belong to the American Association of Retired People and I have been getting sales letters from them about their NRTA-AARP U.S. Govern­ ment Money Market trust. It sounds good except for one paragraph in the letters that always says 'Shares of the trust are not sponsored or guaranteed by the U.S. government'. "Does that sound like an investment I can trust? the interest is better than any bank pays." -- Laura T. Answer -- The American Association of Retired People and NRTA, the National Retired Teachers association, are powerful, important organizations that do a lot of lobbying in Washington. As far as anything that has come out of their office can reveal, AARP handles savings in­ vestments of their members with care. I think it is unsound for AARP to plunge into the money market. There is the probability that so much money will pour into the coffers of AARP from trusting members who want to share in the money market operation, that the .fund may become an em­ barrassing adjunct of AARP Any little money that I have goes into places I can watch locally, I'm not looking for the most money in interest, but the safest way of obtaining interest. I think some of AARP's programs are worthy. Its drug-selling program is Office Spaces Available -Build To Suit- We're already home to many professionals. They have discovered the benefits of locating in the already vital and important area of the Whispering 1 Point Center Location. Units Priced From $48,600 Building Rentals From $4.50 per sqe ft, •Exterior Maintenance •Parking •Tax Advantages the look of the future of business, today! PHONE815/385-5577, we'd like to tell you more praiseworthy. AARP would service its members best were it to stay away from accepting investment money. Question -- "The union I belong to has had an in­ surance policy for each member with benefits of $3,000. Also, a death fund on the death of a member. We pay dues of $3 as retired members." "Now, the union is voting to change things so that when we are 65 years old our insurance will be for $1,500, not $3,000, plus $500 donation from the international." "When we got this in­ surance at the time we joined the union, we were told the insurance would never be taken away or reduced. We have all been members up to 25 years. Do you think the unions' in­ surance change is discrimination against the aged?" -- Florence D. Answer -- If Florence's facts are correct it may be that union officials are monkeying around with the insurance policies of retired members because they think they can get away with it. Younger working members would be more likely to fight. Was the promise to never reduce the benefits ever made in writing? Florence should study her copy of the policy. She should also write to the union officials asking for a full explanation. Then she might write the State Insurance commission. Question -- "My husband is a disabled war veteran. He had a good paying job until he had to quite it at age 54 due to a nervous breakdown. Since then, 1977, he didn't earn enough to pay into Social Security. He could not draw S.S. disability benefits. Could he freeze his S.S. benefits at the 1977 wages?" - Lucille N. Answer -- The question is too important to answer without help from the Social Security office. They can do it cleraly and quickly. Lucille or her husband should telephone S.S. at 763- 9222 in the big city. Question -- "I am 91. Send me a list of all the benefits I can get as a senior citizen." - - Mary Jane L. Answer -- Mary Jane can go to any number of senior citizens .group for such information. The first would be her local Council on Aging. Then she can look in the Yellow Pages under "Senior Citizens" and call a few organizations listed until someone tells her how to obtain the list she seeks. Question -- "One picks up the paper or a magazine only to read about movie and TV actresses living together without getting married. The McHenry Plaindealer Newspaper Available At The Following Locations: •WHITE HEN PANTRY •MAYS DRUG •BELL LIQUORS •McHENRY WALGREEN •BOLGER'S DRUG STORE •BEN FRANKLIN •OSCO DRUGS •JEWEL •HORNSBY'S •HERMES t CO. •LIQUOR MART •VILLAGE MART • J & R STORE •McHENRY HOSPITAL •J ft L GAS •LAKEVIEW •SUNNYSIDE FOOD • JOHNSBURG FOOD MART •ADAMS GROCERY •LITTLE STORE •FRED ft IRENE'S TAP •McHENRY QUICK MART •SUNRISE GROCERY •STEINY TAP •McCULLOM LAKE GROC. •HILLTOP GROCERY •FOOD MART •BITS ft PIECES •NORTHWEST TRAIN And then they have children out of wedlock. Nobody seems tp have any morals anymore. What good does it do to grow up and go through Hfe with a good moral outlook and behavior when women with so much money and fame make any attempt to live decently seem pointless, and in fact, without reward?" -- Jonas McD. Answer -- If Jonas remembers some of his history he will recollect that most of the women who lived to pep up the history books were not exactly virtuous -- Cleopatra , Madame DuBarry, Molly Pitcher and Lola Montez, among others. But Jonas mustn't let those and other examples mislead him into thinking that it does not pay a woman to be good. I cannot think of a ready example, but perhaps some woman can. Question - "Mr. Riblet, you have offered something of interest that seems unobtainable. I refer to your article on candicidin for impotency. What it seems to be is that you offered an unavailable 'witches brew'. Unless you can furnish in­ formation that is more substantial you are not any different than those doctors who tell impotent men that 'it is all in your haad' " -- LewS. . \ Answer -- My article "offered" nothing but in­ formation that came to me in the mail -- as did Lew's letter. The information was later qualified by the statement that I hoped candicidin tablets would not become a Laetrile-type thing. As the late Frazier Dickson used to say on the old New York Journal: "Woe is the reader who sometimes gets out of a stray only what his imagination puts into it." Question -- "Our Tetrapolitan Golden K club is made up from Kiwanis clubs in four nearby cities. The members are seniors. There are 8,000 residents in the four towns. We propose to have some of our mem­ bers trained by Social Security, Medicare, Aetna and Blue Cross to help people with the confusing and sometimes bewildering problems of filling out the Medicare forms, and forms from private insurance companies, too. Especially in the private cases because so many elders have too much coverage. "Our investigation shows that many elders who are paying for insurance do not apply for and receive payment because they are so overwhelmed by the paper work and its complexity. We would set up weekly clinics. Don't let your proMoms DUO oo mo oHotori Remove them with HANSON SNOW BLOWERS Moeats en Tracks, Jeeps, er End Loaders... Fits Mbst Blade Momits After thrw decades of manufacturing agricultural equipment including 18 years with tractor mounted snow blowers we have developed an engine driven snow Mow«, that offers all the features you need: • Blows snow up to 50 feet or more, thus eliminating high banks and lost space • The auger fan breaks up snow thereby reducing volume up to 70% • Stock turner and deflector put snow where you want it. • 18 H P. twin cylinder electric start engine (other options available) • Available in 7', 6'. and 5' sizes • Construction and design proven in all types of snow • Other engine and PTO driven models available FOR SALES & SERVICE CALL ROCKFORD 1-815-877-26*0 Sales Reps. Needed Can you suggest anything for us?" - Max E.S. Answer -- Max and the Tetrapolitan Kiwanians are on the way with a good program. Elders do indeed need help with their in­ surance. They have no other place to go for disinterested ass is tance . Kiwanians should also ask for assistance from men and women who are chartered life underwriters who locally represent some of the Big Ten insurance companies. They would be ideal teachers of the Tetrapolitan Golden K club members who want to take the confusion out of insurance for elders -- in­ cluding Medicare. Question -- "Is there any agency where I can write to check on the organizations that make so many sol ic i ta t ions to me for charity? After I made some donations for famine, medical research and the like, I now receive an average of 20 requests a month from other organizations. How do I check them? -- Mrs. charles Van H. Answer -- One way to stop unwanted solicitation is to make a notation that can go along with a donation, ad­ vising that the donor does not want his or her name and address sold or handed over to any other similar outfit. There is no other way for Mrs. Charles to stop the practice, short of not making donations, no way that can be used for a blanket check throughout the country. Question - "I had surgery in 1978 on my eye that cost $2,400. medicare approved half and my other insurance took care of only what was JOHN L FREUND FREUND FUNERAL HOMES •WONDER LAKE 7*11 HANCOCK DR. 815-728-0233 COOPER-FREUND •MARENGO 205 N. STATE 815-558-7345 not paid by Medicare for their approved half. We were in California and now have moved back to Oregon. I am 75. If the doctor had told us it would cost so much, I wouldn't have had the surgery done. We have only a little savings and my husband has only a part time job. We get Social Security benefits. They want to take action against us to make us pay the balance, but we don't have the money. We tried to get legal aid, but can't find any such help." -- Mr. and Mrs. A. M. Answer -- Mr. and Mrs. A. M. can telephone the Legal Aid society and ask for their advice and help. They will find the organization in the telephone directory of the nearest city. Question -- "I pray you can give me some advice. In 1933, my mother-in-law invited us to move into her home, saying to us that some day it would all be ours. She died in 1938 without changing the title to the property and we lived there ever since, paying the taxes and paying for remodeling. My husband died in 1964. Now, his six nephews and nieces want me to sell the house so they can get their "share". Is there any way I can get clear title? I have been told I can keep the house under a provision in the law known as 'squatter's right'. I have no money to hire a lawyer. Will you help me?" -- Dorothy S. Answer -- Dorothy will have to engage a lawyer if she wants competent help. A lawyer can be obtained through the Lawyers Referral Service. Dorothy may be surprised to find that arrangements can be made for a relatively small legal fee. Write to Carl Riblet Jr. wi th se l f -addressed, stamped envelope at Box 40757, Tucson, AZ., 85717, if you have any questions on problems of aging. All letters will be answered, if possible. No identities are revealed. Three piece suits, in tar- ,tan plaids, are very practical. The coat, skirt and pants ensemble is economical, too. Those wool blend tartans in multiple colors are enhanced by blending blouses and sweaters. STORE HOURS: Mon., Wed., Fri. 9-8 Sat., Tues., Thurs. 9-5:30 Sunday 12-5 lOf CARPETING AND FURNISHINGS 815-459-3211 • 325 VIRGINIA ST. (RT. 14) CRYSTAL LAKE HOLIDAY MADNESS SALE NOW THRU SUNDAY DEC. 14th ONLY •ALL CARPETS IN STOCK OR SPECIAL ORDER' sq.yd. tO 1.70 1-12 yards...$1.70* 13-49 yards... $ 1 .45* sq.yd. 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