• Overall Drug Pricing and Patient Safety Rating
• Overall Complaint Rating
• Overall Member Experience Rating
• Overall Customer Service Rating

At this relatively late stage in a person’s life, cost and expenses are endlessly important. I recommend you consider all costs associated with a change in Medicare coverage and that you apply the points raised below to your personal situation:

(1)  MedicareBlu RX – S5743

This top rated Medicare plan has contracts available to consumers in Minnesota, Iowa, Montana, Nebraska, Wyoming, and North Dakota. Total premiums for these contracts range from $39.70 – $104.60. Paying a higher premium has its benefits, as the drug deductible associated with that higher premium is much smaller. The drug deductibles for these higher premiums are $0.00 compared to $160 associated with the lower premiums.

(2)  Advocare – H5211

Brought to you by Security Health plan of Wisconsin Incorporated, this plan has contracts available to residents throughout the state of Wisconsin. With total premiums ranging from $26.60 – $62.30, all drug deductibles are at $0.00. On top of that, customer service associated with this plan was 40.1% higher than the average customer service rating for all Medicare Part D plans.

(3)  Kaiser Permanante Senior Advantage –  H0630

This plan from Kaiser is offered to residents of Colorado. Contracts for this Senior Advantage plan vary widely with total premiums from $0.00 – $48.70 and drug deductibles from $0.00 to $320. Quality of customer service associated with this plan was about 12% higher than the average rating for all Medicare part-d plans reviewed.

(4)  Excellus Health Plan, inc – H3335

Contracts offered under this plan vary widely with total premiums from $0.00 – 55.40. Drug deductibles also vary widely for this plan ranging from $0.00 – $160. When choosing new plan, it is important to research the quality of customer service. This company’s quality of customer service associated with this plan was rated about 40% higher than that of all Medicare plans reviewed.

Overall, there are many aspects of Medicare part-d coverage that should be considered before choosing a plan. It is most important to find a plan that works best for you. When choosing a new plan, make sure your health care providers accept the coverage that you’re interested in choosing. Also, be sure check into the extension of your plan geographically to avoid unexpected expenses. And don’t forget, make sure the quality of customer service provided for your Medicare plan is what you expect. There are many useful Medicare ratingson the market that review quality of customer service. I highly suggest using one before finalizing such an important decision.

Peter Griggs is a business development associate at FindTheBest Health, which
helps users compare everything from dialysis centers to community health centers.

Famous Pisces: Sidney Poitier, Aretha Franklin, Peter Fonda, ELizabeth Taylor, Ralph Nader, Bruce Willis, Johnny Cash, Jane Goodall, Nat King Cole, Steve jobs.

ARIES   (MARCH 21 – APRIL 20)

Even your best laid plans can run afoul of the powers that be, wherever they are lurking. So be it. Allow your gut feelings to take over, Aries. You need to do what you need to do and don’t rely on others to get you to the goal. If the stress gets too much, how about letting things pile up and divert your attention to other more pleasant tasks . And who might that be?

TAURUS   (APRIL 21 – MAY 21)

Fun can get frantic in February because there is too much good stuff going on all over town all at the same time. Such a dilemma! Parse and choose the best of the best and allow your creativity to spurt. Not only will you personally feel more fulfilled, you will also navigate your boat into more selective and elite groups. Fill your sails before your hot air scuttles you..

GEMINI   (MAY 22 – JUNE 21)

Geminis may be at a crossroad. You may have been laser focused on weighing various retirement options. But now you will also need to decide how to best balance these financial goals with the full enjoyement of your home life. Is your scrimping putting a crimp in your domestic agenda? They say the best things in life are free. What do they know?

CANCER   (JUNE 22 – JULY 23)

Itchy travelling feet must be scratched. Cancerians are ready and raring to go anywhere and everywhere. Spread your wings and try someplace new – the tried and true just doesn’t hold the same appeal. Plan your itinerary carefully and ask advice as to the best hotels and sites.  For those with tight budgets, expand your horizons with new stuff nearby. Anyone we know?

LEO   (JULY 24 – AUGUST 23)

Leos are ready and willing to spend on their interests and passions. Your appetite is sated now only by beauty and luxury. And why not? When you’ve got it, flaunt it. There will come a point however where you find yourself spending more and getting less. Know what is what, when is when and who is who. Why and how will follow later.

VIRGO   (AUGUST 24 – SEPTEMBER 23)

Strengthen all of your relationships – from platonic to romantic – especially those that require more sharing and compromises. It will not be as bad or as difficult as you think. In fact, you may find it relatively easy to do. Those Virgos who are seeking new connections should request introductions from friends. You are too fresh for fresh faces now.

LIBRA   (SEPTEMBER 24 – OCTOBER 23)

Don’t be a pin cushion for every backstabber. You are putting out the effort so be sure that you get the credit. The best way to protect yourself is to keep you eyes open for any unusual activity. You will eventually triumph, Libra, but not before your stress level peaks for much of February. So find any excuse to take a nice long relaxing vacation.

SCORPIO   (OCTOBER 24 – NOVEMBER 22)

Your loud party hound antics may rub some of your pals the wrong way. Maybe you are becoming too popular? Maybe you are pulling away from the conformity of the pack? Whatever it is, be sensitive to friends feelings especially when you are all in the social swirl. It is better to celebrate with a crowd than to celebrate alone in a crowd, Scorpio.

SAGITTARIUS   (NOVEMBER 23 – DECEMBER 22)

If the stress of your day to day tasks are getting too much for you, use the next weeks for a temporary escape. Retreat into your cocoon and refresh and recharge. Find ways to enjoy life and put things in perspective. If your home is your castle, pull up the gate and fill the moat with sharks… but not before you let some close companions and the home delivery in.

CAPRICORN   (DECEMBER 23 – JANUARY 20)

You have some great ideas bubbling in your head. How can you best present them to the world? The answer may elude you but that is because it is hard to choose the best way to fully express yourself. Capricorns are often careful and cautious. Maybe too much so. This may be the time to blow the lid off life. Make your mark on the world. Don’t make it a smudge.

AQUARIUS   (JANUARY 21 – FEBRUARY 19)

This is the perfect time to research and implement any long term financial plan. Dream big, Aquarius. Your monetary goals can be within reach with a little discipline, pluck and focus. That may mean curtailing expenses and avoiding frivolous spending on trifles. If you are really clever, you will find a well endowed benefactor to spoil you while you stash your own cash.

PISCES   (FEBRUARY 20 – MARCH 20)

Pisces can enjoy their time on center stage now. Not only can you hobnob and rub elbows with many new and impressive people, you can also show off your talents to the crowd. Play it like you mean it and make good use of time. Before you know it the spotlight will shift and others will elbow into your space. But in the meantime, rubadub with both arms.

(c) 2012 THE STARRY EYE, LLC., All Rights Reserved. For Entertainment Purposes Only.

However, while I was researching my new book “Take Back Your Career” I discovered that very few people wanted to meet face-to-face or answer phone calls…..”what’s up with that?” I thought….and then a client explained that the best way to communicate with him was IM’s. He didn’t have time to meet and phone calls were a hassle. I had been making the assumption that everyone wanted to communicate the way I prefer: face-to-face or phone. I’m a baby boomer so these are the methods I grew up using. However, I was trying to communicate with generations young than I am. I learned that other generations prefer different methods. If I wanted to connect with them, I needed to adjust my methods.

I didn’t realize how large the generational communication chasm had become until I was home for Christmas. My twenty-something nieces and nephew had gotten new phones. They came for dinner one night and sat at the table all night staring at the phone and sending each other text messages. I tried to start a conversation with my niece who is getting married in May. I asked about the appliances they needed. I was hoping to get a gift idea and inside information. Instead, she looked up from her phone and said “Just check out our wedding website. We’re registered at Target, Pier One and Kohl’s. Everything you need is there.” I wanted to remind her that I had changed her diapers and cleaned up her highchair when she had thrown mashed peas on the floor. She didn’t know any better than, but she did now.
Suddenly, I remembered my mother asking me to “sit down and have a conversation with her”…..that was forty years earlier. I was fresh out of college and had no time to sit and talk to my Mother. I was going to save the world and make a difference! Now I look back and realize that the reason I make a difference is because I took time to visit with my Mom. I learned about what made her a strong and powerful woman. She grew up during the Depression when jobs and goods were scarce. She taught me that no one owed me anything; that values were not for compromising; that family is everything; and that nothing lasts forever.
Back to my twenty-something niece conversation…..We eventually had a nice conversation. She put her phone down and I tried not to be pushy. I discovered that she doesn’t like to cook, so appliances aren’t high on her list. Her colors are teal and yellow. She’s bought her dress and she’s still looking for a veil. She discovered that I’ve been married longer than she’s been alive. I’ve lived in six states and I’m working on a new book.
I learned a lot about communicating this year. I learned that there are many options. Using all options and not relying on one works best if you want to REALLY communicate.
Four generations and preferences.
 Traditionalists: 61+, born before 1946, 27 million – prefer face-to-face, phone
 Baby Boomers: 43-61, born 1946-1964, 76 million – prefer face-to-face, phone
 Generation X: 29-42, born 1965-1978, 60 million – prefer phone, email
 Millennials: 20-28, born 1979-1997, 74 million – prefer texting

Jan Marino
High Gain Companies, Inc.
630-299-9927

It’s a known fact that from 1946 to 1964, approximately 76 million American kids were born and they were referred to as the historic generation of Baby Boomers. Experts forecasted that when this historic generation of Baby Boomers would retire, it will pose a magnanimous threat to US economy. However, this is not the bad news; the worst is yet to come.  This historic Boomer generation has finally started reaching their retirement age last year in 2011 and it seemed most of them couldn’t save up sufficient money for their retirement days. In an age when state and government pension plans lack adequate funding, private sector pension plans are insufficient in resource and the social security benefits have been adversely affected by inflation, it seems millions of baby boomers will find retirement quite harsh and painful. Moreover, thousands of financial issues like the dwindling home values, the delayed returns on stock market investments, the lack of interest rate returns and the employment scarcity after 50 have worsened the situation for these baby boomers. If you want to know more about the dark future that baby boomers are encountering now, read on these astonishing details below.

•  As per the Employee Benefit Research Institute, the amount of retirement saving that 46 percent American employees have is below $10,000.
•  An examination conducted by Boston College’s Center for Retirement Research shows that American workers requires at least $6.6 trillion to cover their minimum retirement fund.
•  Within 2030, the number of Americans, who are reaching their retirement age would be a staggering 18 percent and by 2050 that number will reach to 89 million.
•  Statistics reveals at least 74 percent of American workers have to keep on working even after 65, which is their official age of retirement. In fact AARP survey claims, 40 percent of them have already planned to work “until they drop”.
•  Right now, one out of every six senior Americans lives below the federal poverty line.
•  CESI Debt Solutions poll claims 56 percent of the Americans would continue carrying an outstanding balance even when they are retired.
•  The number of senior Americans declaring insolvency rose by a staggering 178 percent within 1991 to 2007. In fact a professor at the University of Michigan claimed that the elderly Americans above the age of 55 are now responsible for 20 percent of all bankruptcies across the United States.

However, every dark cloud has a silver lining. If the rest of the bay boomer generation who are yet to hit their  retirements age show a bit of prudence and take their financial decisions responsibly from early 30’s, they can weather the storm and can ensure a better financial future for themselves. For this, all they have to do is they have to practice money management tactics. For example, they have to start living within their means, have to work harder to increase their flow of income, have to set some realistic financial goals and strive hard to achieve them. Most importantly they should all address their debt problems quite seriously and take baby steps towards paying down their outstanding debts. If the members of baby boomer generation, who are solely dependent on Social security and Medicare in their retirement days would like to secure their financial future, they should immediately start following the aforementioned points.

Post courtesy of Sidney Terrell, an associate writer with Oak View Law Group. Her expertise includes finance and investment. She has written several articles on debt settlement, bankruptcy, bill consolidation and mortgage since 2005.

Marquette, Michigan

As surprising as it might seem, the beautiful town of Marquette, Michigan, has some of the best retirement options to be found in the entire nation. One of the best things about this quiet, picturesque location is the huge amount of options it has for year-round fun.

Although tanning on the beach to the gentle crash of waves may sound ideal at first, doing it every day for the next 30 years could become quite a chore. Marquette, Michigan, is situated on a broad peninsula that extends out into Lake Superior. With a huge body of water never more than a short drive away, you will be able to enjoy as many water sports and activities as you like all summer long. There is plenty of snow during the winter months, and skiing, ice-fishing, and other winter activities will make sure you are never bored when the cold hits.

The average home price in this town is a mere $145,000 and the state income tax hovers at around 4.35%. Marquette, Michigan, sits in close proximity to Northern Michigan University, which offers plenty of exciting indoor activities. Additionally, the city has one of the best cardiovascular hospitals in the nation.

Cape Coral, Florida

Of course, when it comes to retirement, the beach is hard to beat. Cape Coral, Florida, is not only near some of the most beautiful beaches in the United States, but it also has a mild climate, an economic housing market, and low taxes. Real estate prices have dropped an average of 60 percent over the last five years, and they are showing no signs of slowing down. The average home price in Cape Coral, Florida, currently sits at only $95,000. On top of this, there is a cost-of-living index that ranks at an ideal 96, and no state income tax.

If you like water, there is plenty of it in this quiet town. About 400 miles of canals cut through Cape Coral, many of which empty directly into the Gulf of Mexico. Although there is very little nightlife here, there is a great outlet mall, a lively farmer’s market, and a beautiful golf course.

Austin, Texas

Although the summers in this bustling cultural city do err slightly on the sticky side, Austin, Texas, has just about everything else going for it. Knee-deep in performing arts and music culture, Austin has a never-ending line-up of cultural events such as orchestral performances, ballet presentations, and live indie bands. There are no less than three senior centers run by the city of Austin, where you will be able to sign up for a huge variety of fitness classes and other activities. Austin’s University of Texas also features learning programs for all ages.

Austin, Texas, has an average home price of only $124,000 and no state income tax. There are plenty of great nature preserves and beautiful parks to explore, and if you like spending Cinco de Mayo in Mexico, it’s only a short drive away.

Megan writes for Assisted Living Today, a leading source of information on a range of topics related to elderly living and retirement care and facilities including a Maryland Assisted Living guide.

Paul Roarke Jr. is a retired Marine Corps Master Gunnery Sergeant and an Iraq war veteran. He is author of the best selling fitness book Corps Strength and works as a physical training and leadership instructor at the US Navy’s International Training Center located in Pensacola, Florida.

During the start of my career as an independent contractor in the Information Technology Field I was traveling every week from Augusta, Georgia to Lakeland, Florida by plane. I was told by my boss that I need to get a hobby to occupy my spare time while on the road to keep from burning myself out. I did not actively pursue a hobby but I did keep that information in the back of my mind. During this time I found myself divorced and my income drastically reduced. Yet, I still had to maintain a professional wardrobe, so I would visit the thrift stores in Lakeland during my lunch hours. One day I noticed a basket of watches on one of the counters. Most of the watches were junk but a few of them were very old mechanical watches. Every watch in the basket was one dollar so I bought everyone that was a windup watch. Later that evening back in my hotel room I took a closer look at the watches and wrote down the name of the watches. I had a Longines, Bulova, Hamilton, Elgin and an Illinois watch. Once I got on the internet to lookup the history of the Illinois Watch Company I was hooked on vintage watches. Finding out that the Illinois watch was from the art deco period of the 30’s and it was still running was just too cool.

Although, I will never go back to Lakeland Florida, I do know that you can still build a vintage watch collection without spending a fortune. Unfortunately when people think of watch collecting only a hand full of watch brands come to mind and the average person cannot afford any of them. Luckily history is not written by that hand full of watch builders but by the thousand other watch builders who massed produced watches by the millions.

Currently there are hundreds of watches manufactured during the baby boom period that are for sale and in great condition and very affordable. I have seen numerous watches from the 40’s though the 60’s for fewer than 25 dollars on eBay.  Although those watch brands may not have been “The watch to have” brand back then but today they look very retro and very cool. As it turned out Timex was right their watches do keep on ticking. Currently my daily watch is a mint 1967 Timex. It is a very thin dress watch and has a chrome plated bezel with a silver dial and super thin hands. The elegant thing about the watch is that it is very understated and classy; it does not even have a second hand. I put it on a new flex band and the watch look like a million bucks.

Also, I do use a couple of modern day fashion rules to ensure that the vintage watches I have do not look out of place today. I only buy round dial watches that have a large enough diameter to look acceptable for today’s fashion. I only buy watches were the case and dial are in mint condition. I always put a new band on the watch when I first get it. If I buy a gold watch it has to be gold filled and not Rolled Gold Plate.

Timex is just one American brand that can be found in plenty. But, now with globalization you can collect vintage Japanese watches, vintage Russian watches, vintage Indian watches, vintage Chinese watches or vintage Swiss watches. The Chinese Sea-Gull brand watch is a top notch watch and you can still find them vintage in New Old Stock Condition.

When I run searches for a watch I not only search for “vintage” but also for “gold filled”, “NOS” and “New Old Stock”. You will not believe how many watches from the 40s, 50s and 60’s are still in excellent condition and can be bought for a steal.

I guess my personal opinion is that a 40 year old Timex in mint condition for $25.00 is a much better buy than a new Timex for $40.00. Plus I will never have to change a battery. Your ultra-cool vintage $20.00 watch could be the talk of the office water cooler. Just remember to leave the Patek Phillipe and Rolex types out of the conversation or you might see the worst side of their OCD.

By NABB Contributor and Freelance Writer, Reico R. Cartwright

A few days ago I visited Orlando, Florida.  After fulfilling my professional obligations, we looked around for something to do and discovered that the Orlando Philharmonic Orchestra was having a concert with an unusual program—Paul McCartney: A Symphonic Tribute. The twist was that McCartney’s songs were performed in a classical style by the singer Tony Kishman and his band, with Michael Krajewski conducting.

We were lucky. Although the concert was sold out, we managed to purchase two tickets for $14.95 each, way up in the back…but we still enjoyed it very much.

I checked out the audience and was amazed by the mixture of different age groups. There were kids, young families, baby boomers, and seniors. If I was pressed to guess, I would say that two thirds of the audience was 55 and older. It was a wonderful program. The singing and clapping along was contagious. The mixture of the classic and modern orchestration of the pieces brought smiles to the faces of the old and the young.

Many of us, the baby boomers and seniors, do not realize that there is so much cultural stimulation available to us, for very little or for free. In my book Making the Golden Years Golden I have a chapter that discusses available social activities, free and reduced price events. Let me point out a few possibilities to guide you on your journey to find entertainment and social events.

You may want to start with local theaters. Most if not all are subsidized by the federal and state governments, and are obligated to provide free or reduced cost tickets to seniors. General rehearsals are also free. With most you can get on the mailing list, which may give you early notification on their events.  You may also form a group of friends or neighbors, to purchase group tickets and thus reduce the cost. Make sure to carry a photo I.D. that gives your birth date clearly to qualify for senior cost reductions. Some senior citizen centers receive tickets to some cultural events to give away to the seniors. The events may include theater shows, concerts, lectures, art exhibits, etc.

Universities in your city or town are also a good source of cultural events that are free of charge. Put yourself on their mailing list for future events. Most universities are very welcoming to the seniors, and encourage the interaction of students with the elderly; you may benefit from that.

Many senior citizen centers have organized trips to events, making it easy for the seniors to get to the event and back. Do not forget the local library for cultural events, such as concerts and author readings.

Whatever it is that you like and enjoy, seek out the events in your area. They are there, free or low cost, providing cultural, social and emotional stimulation. It is a perfect environment to meet and make new friends.

For more information go to :  www.goldenyearsgolden.com

The “NEW” American Dream is to:

• NOT have your house foreclosed or to NOT have the Sheriff on your doorstep, eviction notice in hand.
• NOT have your job outsourced to Podunktut, India.  And, to NOT have to train your replacement by video link as you sit with the want ads on your desk.  And, to NOT have that Indian replacement possess a third grade vocabulary of English with an accent even a mother couldn’t understand.
• NOT have your car repossessed at 4 AM, with the alarm  waking your neighbors to announce your new carless status.
• Make it from one payday to the next and NOT have to use credit cards (if you’re lucky enough to have one) or savings (if you’re lucky enough to have any) to meet the mortgage or rent, make the car payment, keep the utilities connected, pay the phone bill.
• Remain healthy enough to NOT need medication that costs $1700 a month, and is NOT covered by your Health Plan…assuming you’re lucky enough to HAVE a health plan.
• NOT be disabled and in need of assistance from the government.  If you are disabled, the Dream is to NOT have your disability claim rejected out of hand, which happens fully two-thirds of the time for Social Security and Disability applications.
• If you are disabled and drawing benefits, the Dream is for it NOT to stop because some worker at some desk in some office in some city far, far away ticked the wrong check box and your payments are stopped arbitrarily, without notice and NOT one word of explanation as to why.
• NOT have to park your SUV because you can’t buy gas, and to NOT have to ride your kid’s bicycle to work.
• To have your children vaccinated and NOT be struck with Autism Spectrum Disorder the next week.
• NOT need social services, because they’re NOT there anymore.  If you are fortunate enough to actually be receiving services, the Dream is for those services NOT to stop because the budget requires a cut, the agency decides you do NOT qualify anymore and they give you a phone number to call for help that is NOT answered…NOT ever.
• NOT be trapped in a dead end, go nowhere job for year after year.  Can’t NOT work, can’t quit, can’t get promoted, can’t get a raise.  Can’t talk to the boss, twenty years younger (or older) than you and you do NOT speak the same language, and you are NOT able to avoid the conflicts that causes.
• Have your children make it home NOT having been molested, shot at, threatened, raped, beat up or robbed on their way home from grammar school.
• NOT be arrested due to profiling.  The Dream is to NOT be noticed and to NOT match any names on the “No-Fly” list.
• NOT have to fly in a commercial aircraft in the first place.  To NOT have to pay for the oxygen mask that will drop when the aircraft runs out of fuel because the company does NOT fill the tanks, in order to save money they do NOT have because they just filed bankruptcy.
• NOT flunk out of school, to NOT have student aid stopped, to NOT have your laptop stolen.  The Dream is also NOT to die of alcohol poisoning from ingesting as much booze in as short a time as is humanly possible.
• NOT have your personal data phished, pharmed or otherwise compromised.  The Dream is to NOT have your bank account cleaned out, to NOT have your savings disappear and to NOT have your credit score tank because of identity theft.
• NOT fail.  The Dream is NOT to succeed, it’s to NOT fail.  Big difference.
• NOT be carjacked, assaulted, murdered, beaten, raped or robbed. To NOT be in the invaded home, to NOT be taken hostage by a mentally deranged, just fired, extremely unstable man (or woman) with several guns and a LOT of ammunition and even more anger, who does NOT care about living or dying.
• NOT be shot at work by a disgruntled employee with a grudge.
• Have your teenagers NOT die while they’re teenagers.  Although invulnerable and immortal, the young DO die, through violence, accident and even intentionally.  The Dream is to have sufficient contact and communication so you have at least a peripheral awareness of the trials of growing up in this new and terrifying world.
• NOT come down with Alzheimer’s Disease.  The Dream is to NOT be relegated to a long term health care facility, to NOT fall and break a hip, to NOT develop diabetes, dementia or any debilitating disease that will rob you of your faculties, your job, your home, your savings and your children’s inheritance.
• NOT see your parents decline into abject poverty because the social programs have deteriorated, do NOT provide for even the necessities of life and do NOT have a chance in hell of getting any better.
• NOT die because you opened a letter bomb or slit open an envelope with spores of destruction in it.
• NOT have cancer. Period.
• NOT be on the radar.  NOT the Justice Department, NOT the IRS, NOT the Immigration and Naturalization Service, NOT the Department of Homeland Security, NOT the DEA, CIA, FBI, DIA or the Secret Service.
• NOT be shot on the highway by an enraged motorist carrying automatic weapons in the back seat of his armored Hummer.
• NOT need.  Pure and simple, to NOT NEED!  If you DO need, that need will NOT be met, and future needs will NOT be met, either.
• NOT lose a family member, friend, spouse or neighbor to an unwinnable war in a faraway place, where Americans are NOT welcome, NOT wanted, are reviled, resented and truly hated.
• NOT be poor, miserable, disabled, sick, injured or unemployable.
• NOT be a victim. To NOT be stashed in a trunk, NOT thrown from the bridge, NOT buried in the woods, NOT tied to a tree, NOT shot and left to die and NOT stabbed 28 times.
• NOT be a “person of interest.”  NOT for anything, NOT ever.
• NOT be old, NOT be fat, NOT be unpopular, NOT be on the outside, looking in.
• NOT have a Dream.  Because dreams are artificial, false, hopeful and NOT attainable.  NOT in today’s society, NOT in today’s economic climate, NOT with today’s politics, NOT with today’s policies.

The new American Dream is unattainable, unless you have a lot of money, live in a gated and patrolled community, can afford state of the art security and have a room full of weapons (in your concrete and steel “safe room) to protect yourself from the people who do NOT have a lot of money, do NOT live in a gated and patrolled community, have NO security but DO have a room full of weapons at home.

Be talkin’ to you……………………………..Webrydr