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DESCRIPTIONFebruary 2011 NARFE Magazine
For Active and Retired Federal Employees
RETIREMENT LIFE FEBRUARY 2011, Volume 87,Number 2
36 Questions &Answers42 Retirement Benefits45 NARFENews50 Out &About51 Letters54 For the Record: TSP Investments, COLAChart
8 When to Expect Congressional Action onSpending Cuts
12 Congress Approves Pay Freeze for Feds12 Payment in Lieu of COLADefeated14 President SignsTelework Bill14 2011 House and Senate Work Periods Set16 Whistleblower Bill Fails to Pass in Congress16 Deadline for Legislative Conference February 818 Civics 101: Counts, Clout and Expectations
NARFE ResourcesLeg.Conference Registration . . .17
NARFE-FEEACoupon . . . . . . .45
MembershipApplication . . . . . .49
Alzheimers Coupon . . . . . . . . .50
NARFEMember Perks . . . . . . .52
visit us online at www.narfe.org
20 NARFE celebrates its 90th Anniversary. Readabout the Associations nine decades ofdefending and improving federal benefits.
Cover design by Jim Richards
COLUMNS6 Message From the
26 Managing Money
30 Live Well
34 Civil Service CareerCoach
44 Report From theRegions
SPECIAL SECTION47 NARFE Scholarship
EditorMargaret M. Carter
Assistant EditorDonna J. St. John
Graphic DesignerBeth Bedard
Contributing DesignersCharlene GridleyJim Richards
Editorial Board:Joseph A. Beaudoin
Paul H. CarewElaine Hughes
Charles W. Saylor
Editorial OfficeNARFE, Attn: NARFEmagazine
606 North Washington St.Alexandria, VA 22314-1914
Phone: 703-838-7760 Fax: 703-838-7781E-mail: firstname.lastname@example.org
National Headquarters Telephone: 703-838-7760
Fax: 703-838-7785 E-mail: email@example.com
Toll-free phone numbersMember Records: 800-456-8410E-mail: firstname.lastname@example.org
Recruitment & Retention: 800-627-3394E-mail: email@example.com
Legislative Hotline: 877-217-8234
Web site: www.narfe.org
Advertising SalesWarren Berger
Media People Inc.122 East 42nd Street, Suite 725
New York, NY 10168212-779-7172, ext. 223
The Association, since July 1970, has beenclassified by the IRS as a tax exempt labor or-ganization [not a union]; however, dues andgifts or contributions to the Association arenot deductible as charitable contributions forincome tax purposes.
NARFE for the Visually ImpairedOn the Telephone: This publication can beheard on the telephone by persons who havetrouble seeing or reading the print edition.For more information, contact the NationalFederation of the Blind NFB-NEWSLINEservice at 866-504-7300 or go to www.nfbnewsline.org.
On Tape: Issues of NARFE magazine are alsoavailable on cassette through the National Li-brary Service for the Blind and PhysicallyHandicapped. To find out about availabilityin your area, call 800-424-8567 and ask forthe Reference Section.
REGIONAL VICE PRESIDENTS
NATIONAL OFFICERSJOSEPH A. BEAUDOIN, President
PAUL H. CAREW, Vice Presidentnatvp@narfe.org
ELAINE HUGHES, Secretary firstname.lastname@example.org
CHARLES W. SAYLOR, Treasurer email@example.com
Volume 87, Number 2. NARFE (ISSN 1948-4453) is published monthly by the National Active and Retired Fed-eral Employees Association (NARFE), 606 N. Washington St., Alexandria, VA 22314. Periodicals postage paid atAlexandria, VA, and additional mailing offices. Members: Annual dues includes subscription. Non-member sub-scription rate $45. Postmaster: Send address change to: NARFE Attn: Member Records, NARFE 606 N. WashingtonSt., Alexandria, VA 22314. To ensure prompt delivery, members should also forward changes of address withoutdelay. Because of the volume involved, NARFE cannot acknowledge nor be responsible for unsolicited picturesand manuscripts, although every reasonable precaution is taken. All submissions become the property of NARFE.Contents of this magazine are copyrighted 2011. Advertisements in the magazine are not endorsements ofproducts and/or services by NARFE, unless officially stated in the ad. We shall accept advertising on the samebasis as other reputable publications: that is, we shall not knowingly permit a dishonest advertisement to ap-pear in NARFE, but at the same time we will not undertake to guarantee the reliability of our advertisers.
REGION I Gilbert W. Blaisdell(Connecticut, Maine, Massachusetts, NewHampshire, New York, Rhode Island andVermont)3 Larnards CourtAmesbury, MA 01913-3309Tel: 978-388-1830E-mail: firstname.lastname@example.org
REGION II Ronald P. Bowers(Delaware, District of Columbia, Maryland,New Jersey and Pennsylvania) 404 Kilree Road, #301Timonium, MD 21093-7599Tel: 410-308-0420 E-mail: email@example.com
REGION III Donald Stewart(Alabama, Florida, Georgia, Mississippi,Puerto Rico, South Carolina and VirginIslands)531 Sevilla Ave.Coral Gables, FL 33134-5714 Tel: 305-442-6388E-mail: firstname.lastname@example.org
REGION IV Paul E. Johnson(Illinois, Indiana, Michigan, Ohio andWisconsin)P.O. Box 234, 7183 Main St.Wadesville, IN 47638-0234Tel: 812-306-5137Fax: 812-673-4989E-mail: email@example.com
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REGION X William F. Martin(Kentucky, North Carolina, Tennessee,Virginia and West Virginia) 294 Tyler Point LaneBumpass, VA 23024-4633Tel: 540-872-3345Fax: 540-872-3445E-mail: email@example.com
4 FEBRUARY 2011 | NARFE
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6 FEBRUARY 2011 | NARFE
February marks the month that, 90 years ago, NARFE was founded. Ifyouve been a NARFE member for any length of time, youve probablyheard the story about howNARFE came to be. On February 19, 1921, 14federal retireesmet inWashington, DC, to form an association dedicatedto improving the status of retired federal employees.
Andhereweare, some90years later, stillworkingonyourbehalf, notonly to improveyour benefits but also to protect them. Recent actions both from the National Com-missiononFiscalResponsibility andReforms final report and theadministrations call fora freeze on federal pay threaten to place an unfair burden on federal employees andretirees as the government tries towork its way out of the nations fiscal crisis.The Fiscal Commission co-chairs final report includes a proposal to create a task
force that would make recommendations to Congress to cut federal civilian andmili-tary retirement benefits by $70 billion over 10 years. And evenmore disturbing is thereports plan thatwould require federal employees and annuitants to pay ahigher shareof health insurance premiums. There are a number of other options in the report thatfurther erode our benefits.While we are all aware that these times are difficult, and we want to do our part as
toughdecisions need to bemade, federal employees and retirees should not be singledout for budget cuts while others are not asked tomake similar sacrifices.As you read the article on page 20 celebratingNARFEs 90 years of service, youwill
find that we also are celebrating the invaluable contributions that federal employeeshavemade and continue tomake to s