november 2011 magazine
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DESCRIPTIONNovember 2011 NARFE Magazine
For people like me, who want a cell phone thats easy to use.Over the years, cell phones have become smaller and smaller with so many complicated features. ey are harder to programand harder to use. But the Jitterbug cell phone has simplied everything, so its not only easy to use,its easy to try. No crowded malls, no waiting inline, no confusing sales people, or complicatedplans. Aordable and convenient cell phoneservice is only a toll-free phone call away.
e cell phone thats right for me. Sometimes I think the people who designedthis phone and the rate plans had me inmind. e phone ts easily in my pocket,and ips open to reach from my mouth tomy ear. e display is large and backlit, so Ican actually see who is calling. With a push of a button I can amplify the volume, and if I dont know a number, I can simplypush 0 for a friendly, helpful operatorthat will look it up and even dial it for me. e Jitterbug also reducesbackground noise, making thesound loud and clear. eres evena dial tone, so I know the phone isready to use.
Aordable plans that I can understand and no contractto sign! Unlike other cell phones,Jitterbug has plans that make
sense. Why should I pay for minutes Im never going to use?And if I do talk more than I plan, I wont nd myself with nominutes like my friend who has a prepaid phone. Best of all,
there is no contract to sign so Im not locked in for yearsat a time or subject to termination fees. e U.S.based
customer service is second to none, and the phone gets service virtually anywhere in the country.
Call now and get a FREE CarCharger and FREE Leather Carrying Case a $43.99 value.Try Jitterbug for 30 days and if you don't love it, just return it1.Why wait, the Jitterbug comesready to use right out of the box. If you arent as happy with it as I am, you can return it for a refund
of the purchase price. Call now, theJitterbug product experts are ready to
answer your questions.
IMPORTANT CONSUMER INFORMATION: Jitterbug is owned by GreatCall, Inc. Your invoices will come from GreatCall. All rate plans and services require the purchase of a Jitterbug phone and a one-time set up fee of $35. Coverage and serviceis not available everywhere. Other charges and restrictions may apply. Screen images simulated. There are no additional fees to call Jitterbugs 24-hour U.S. Based Customer Service. However, for calls to an Operator in which a service is completed, minutes will be deducted from your monthly balance equal to the length of the call and any call connected by the Operator, plus an additional 5 minutes. Monthly rate plans do not include government taxes or assessment surcharges. Prices and fees subject to change. 1We will refund the full price of the Jitterbug phone if it is returned within 30 days of purchase in like-new condition. We will also refund your first monthly service charge if you have less than30 minutes of usage. If you have more than 30 minutes of usage, a per minute charge of 35 cents will apply for each minute over 30 minutes. The activation fee and shipping charges are not refundable. Jitterbug is a registered trademark of GreatCall, Inc. Samsung is a registered trademark of Samsung Electronics America, Inc. and/or its related entities. Copyright 2011 GreatCall, Inc. Copyright 2011 by firstSTREET for Boomers and Beyond, Inc. All rights reserved.
Monthly RateOperator Assistance
911 AccessLong Distance Calls
Voice DialNationwide Coverage
Friendly Return Policy
FREENo addl charge
FREENo addl charge
50 100Monthly Minutes
We proudly accept the following credit cards.
Available inGraphite and Red.
More minute plans available. Ask your Jitterbug expert for details.
Order now and receive a FREE CarCharger and a FREE Leather Carrying Case for your Jitterbug a $43.99 value. Call now!
Jitterbug Cell PhoneCall now for our NEW low price. Please mention promotional code 43216.
e worlds simplest cell phone experience.
It doesnt play music, take pictures, or surf the Internet.
with rates as low as $3.75 per week!
For Active and Retired Federal Employees
RETIREMENT LIFE NOVEMBER 2011, Volume 87, Number 11
48 Questions &Answers54 NARFENews55 Out &About58 For the Record: TSP Investments, COLAChart
8 Presidents Deficit Cuts Hit FederalWorkers10 NARFE-Supported Flag Bill Pulled After Protest12 CongressWeighs Postal Service Proposals14 Date Set for Next Legislative Conference16 Verify Those Chain E-mails!18 Scenes from Grass-Roots Advocacy Month19 Civics 101: Info Available, Feedback Needed
NARFE ResourcesNARFE-PACCoupon . . . . . . . .16
MembershipApplication . . . . . .53
LifeMembershipApplication . . .54
Alzheimers Coupon . . . . . . . . .55
NARFEMember Perks . . . . . . .56
visit us online at www.narfe.org
20 Speculation Swirls Around Supercommittee.The November 23 deadline for the panel tocomplete its deficit-reduction bill is looming. Itis unclear how feds might fareor even if thepanel can reach an agreement.
Cover design by Jim Richards
Like us on Facebook (Narfe National Headquarters)
SPECIALSECTION34 Open Season Report
2012 FEHBP Rates
COLUMNS6 Message From theNational President
24 Managing Money
28 Benefits Checkup
30 Civil Service CareerCoach
4 NOVEMBER 2011 | NARFE
NARFE MAGAZINEVolume 87,Number 11
Editor,Margaret M. CarterAssistant Editor, Donna J. St. JohnEditorial Administrator, Toni VallarioGraphic Designer, Beth BedardContributing Designers, Charlene Gridley, Jim RichardsEditorial Board: Joseph A. Beaudoin, Paul H. Carew, Elaine Hughes, Richard G.Thissen
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NARFE (ISSN 1948-4453) is published monthly by the National Active and Retired Federal Employees Association (NARFE), 606 N.Washington St.,Alexandria,VA 22314.Periodi-cals postage paid at Alexandria,VA, and additional mailing offices.Members:Annual dues includes subscription. Non-member subscription rate $45. Postmaster: Send addresschange to: NARFE Attn:Member Records,NARFE 606 N.Washington St.,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 pictures and 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 of products and/orservices by NARFE,unless officially stated in the ad.We shall accept advertising on the same basis as other reputable publications: that is,we shall not knowingly permit a dis-honest advertisement to appear in NARFE,but at the same time we will not undertake to guarantee the reliability of our advertisers.
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