In This Issue:

- Time Equals Money

- What Are They Talking About?

- Medicare Is Not Free

- The Period of "Open Enrollment" Might Be Limited

- Get Additional Help

- Excerpt from Introduction:

Welcome to Medicare: How to Make the Most of Turning 65:

Greetings! One of the perks of aging is qualifying for Medicare when you turn 65. But successfully joining the ranks of the universally insured is not simply a matter of having a birthday -- if you want to make the most of your government coverage, you must understand the choices you will need to make during the enrollment period.

This month, I'll review what you need to know when signing up for Medicare for the first time, and how to maximize its potential in subsequent years. Do NOT put off reading this. One of our main messages is that delay in signing up will cost you money.