Conservative Senior Association. Articles about issues affecting American Seniors.
Vol. 6 Issue 3 $2.95 Looking for auto insurance at a better price? If you like the idea of paying less for quality coverage then you should take a look at the Travelers Auto Insurance Program for AMAC members With access to special program rates and several money saving discounts you could get big savings Request a free quote today Call Travelers Visit travelers com/amac Insurance is underwritten by The Travelers Indemnity Company or one of its property casualty affiliates One Tower Square Hartford CT In FL Auto insurance policies are underwritten by First Floridian Auto and Home Insurance Company The Travelers Home and Marine Insurance Company or by The Travelers Commercial Insurance Company In MA Auto policies are underwritten by The Premier Insurance Company of Massachusetts Premier a single state subsidiary of The Travelers Indemnity Company Premier is not guaranteed by The Travelers Indemnity Company or any other Travelers company In TX Auto insurance is offered by Travelers MGA Inc and underwritten by Consumers County Mutual Insurance Company CCM CCM is not a Travelers company Coverages and discounts are subject to availability and individual eligibility � PL The Travelers Indemnity Company All rights reserved Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U S and other countries Rev AMAC Roadside Assistance Program Built from the ground up exclusively for AMAC members, our new program delivers top-quality service at affordable prices! Sign Up online at www.amac.us or call 1-855-875-8598 Benefits for you: NO Hidden Costs FREE Maps and Trip Planner Multiple Program Options to Meet Your Individual Needs Competitive and Affordable Prices Exclusively for AMAC Members 24/7 Roadside Assistance & Claims Service Towing Lockout Service Emergency Fuel Service Battery Jump-Start Service Benefits for Eligible Members in Any Passenger Vehicle They Drive Rates starting as low as $44 per year Providing the services you want, the services you need! Not available in MA # Publisher's Letter America on the Brink OUR GREAT NATION is on the brink of a financial and economic collapse! How did we get to this point? We all share the blame. We listened when people running for the Presidency told us they would give us more governmental benefits and services if we elected them. We believed the candidates running for the House and the Senate when they said they would get "Washington to provide more money for education, health care, agriculture and welfare." We reelected our Congressmen when they bragged about how many bills they got put into law, and we never asked how much this all was going to cost us. We forgot that the wealth of our nation was created by hard-working American men and women under our free enterprise system, not by government bureaucrats or socialistic programs. What happens if we continue doing what we have been doing? A financial disaster looms ahead. Our economy will be like a giant shipwreck with all of us passengers facing grave danger. What happens to people who run up their credit cards to the maximum, then take out a second mortgage to pay off more bills.... and then they keep on spending? They go bankrupt and lose almost everything they had. With our 16 TRILLION dollar national debt and our annual budget deficit over one trillion dollars each year we will reach a point when the government can't pay its bills. That is happening now as cities across the country are going bankrupt, throwing thousands out of work and creating economic havoc with a negative ripple effect that is sure to follow. Because so much of the money our government borrowed is in Treasury bonds held by countries like China, Saudi Arabia, Russia and other countries that are not our friends, you can be sure to see a concerted effort to diminish us as a superpower. But more importantly, every one of us will suffer as inflation skyrockets, robbing us of our purchasing power and forcing us to dramatically cut our standard of living. And what can be done about it? The answer is; we must cut spending now! The wrong thing for us to do is to increase taxes; that only encourages government to spend more. (Even though unemployment is over 8%, Federal government agencies still spent millions on lavish meetings at resorts.) AMAC members understand this, and we pledge to make your voices heard in the Capitol as we press forward with positive plans to control spending and get our fiscal house in order. Sincerely, " A financial disaster looms ahead. Our economy will be like a giant shipwreck with all of us passengers facing grave danger. " 4 | www.amac.us Dan Weber, Publisher VOL. 6 ISSUE 3 COVER: "National Debt Crisis" CONTENTS p. 10 # 4 8 10 Publishers Letter Sound Off Jedediah Bila David Limbaugh Talks `The Great Destroyer' p. 26 12 18 Medicare 102 Understanding Medicare Enrollment Periods Daniel C. Weber Publisher Rebecca Weber Keiffert Associate Publisher Editorial Inquiries Gary J. Christiansen Membership Web Developer Gia Ricottone Director of Advertising & Affiliate Sales email@example.com Pamela Smith Editor George Spangler Director, Ambassador Leadership Program p. 42 Freedom and Free Markets are What Make America Great Firmly I Cry No! Saying No to Big Government p. 34 22 26 30 32 34 42 Lightning Safety National Debt Crisis Debt and Deficit Statistics What If the Fiscal Crisis Pushes Us Over the Edge? Travel The Golden Heart of Alaska p. 46 46 48 50 Kathie's Kitchen Turn Over a New Leaf Association of Mature American Citizens 5 Orville Drive Bohemia, New York 11716 1.888.262.2006 � www.amac.us Graphic Design by: Business by Design / Advertising Dynamics 631.751.5454 � www.adartinc.com The contents of Amac Advantage Magazine may not be reproduced without the publishers written consent. Amac Advantage Magazine provides information of a general nature with the understanding that neither AMAC nor its affiliates are engaged in rendering medical or legal advice or recommendations. Information provided should not be considered a substitute for a consultation with a licensed physician or attorney. AMAC in Action Government Watch Did You Know? Just for Fun Member Benefits www.amac.us | 5 p. 50 50 54 56 NOW ENJOY BRILLIANT COLLEGE COURSES IN YOUR HOME OR CAR! In Optimizing Brain Fitness, award-winning Professor of Neurology Richard Restak teaches you how to improve your memory, sharpen your attention, enhance your learning and creativity, and even fine tune your sensory acuity --all by using one of the most revolutionary discoveries in modern neuroscience. Course No. 1651 12 Lectures In Museum Masterpieces: The Louvre, expert art critic and historian Professor Richard Brettell takes you on an unforgettable journey through one of the world's greatest museums. This 12-lecture series explores some of the most beautiful and renowned examples from the museum's remarkable collection of masterworks. Course No. 7175 12 Lectures (30 Minutes/Lecture) In Experiencing Hubble: Understanding the Greatest Images of the Universe, Professor and Director of the Dearborn Observatory David M. Meyer unlocks the secrets of the universe. In this 12 lecture series he discusses the most spectacular images ever produced by the Hubble Space telescope. Course No. 1884 12 Lectures In The History of the Bible: The Making of the New Testament Canon, New York Times best-selling author and Professor Bart D. Ehrman reveals the secret history behind the making of the New Testament, including how and when each book was written and why it was chosen to be included. Course No. 6299 12 Lectures (30 Minutes/Lecture) (30 Minutes/Lecture) (30 Minutes/Lecture) SPECIAL INTRODUCTORY OFFER! Over 10,000,000 courses sold since 1990! Order any one of these BEST-SELLING COURSES for only: +$5 Shipping and Handling Priority Code: 69043 All orders subject to approval. Limit of one order per household. Cannot be combined with any other special offers or promotions. ER BY N VEMB O ORDER TODAY! Sale Ends Sunday, November 25, 2012! www.THEGREATCOURSES.com/4ASMAC 6 | www.amac.us 1-800-832-2412 ER 25 $199.95 $134.95 $9.95 on DVD $9.95 on CD LI M D TIME OF F ITE ER $190 SAVE up to OR D Light up your life with LifeStyle Lift. Paid Spokesperson Debby Boone Call today for your Grammy Award Winner BEFORE 1-866-307-7116 FREE GUIDE TO LOOKING YOUNGER information kit � www.amac.us | 7 �2012 Lifestyle Lift.� Lifestyle Lift� offers surgical and non-surgical procedures performed under local anesthesia. Single procedures take about one hour to complete but more time may be required for multiple procedures or to achieve best results. Most Lifestyle Lift patients return to normal activities in about a week but some need extra healing time, particularly if they have multiple procedures. Lifestyle Lift medical procedures involve a certain amount of risk. Ask your Lifestyle Lift physician and review the consent forms to find out more about your individual case and what you can expect. Patients depicted are compensated and have given their permission to appear. Photos are from various doctors and are for illustrative purposes only and do not constitute a promise or representation of any particular outcome or experience. Each patient's experience, recovery and results will be unique depending on their skin, age, health and other individual factors. THE PATIENT AND ANY OTHER PERSON RESPONSIBLE FOR PAYMENT HAS A RIGHT TO REFUSE PAY, CANCEL PAYMENT, OR BE REIMBURSED FOR PAYMENT FOR ANY OTHER SERVICE, EXAMINATION, OR TREATMENT THAT IS PERFORMED AS A RESULT OF AND WITHIN 72 HOURS OF RESPONDING TO THE ADVERTISEMENT FOR FREE, DISCOUNTED FEE, OR REDUCED FEE SERVICE, EXAMINATION, OR TREATMENT. (7/12) AMAC082712-117 AFTER � "Sound Off" Ed Jackson says: Americans are speaking out on AMAC's website. Please visit www.amac.us to give us your views and to read what others are saying! AMAC members speak out... Obamacare's "Senior Swindle" This $8.5B scam is not the only scam in ObamaCare for seniors. As Governor Palin correctly pointed out there are the "death squads" that will ration (read deny) needed health care to seniors, and every 5 years those of us on Medicare have to attend "end of life counseling." Then there is the $500B ObamaCare rips out of Medicare to help fund it. Obama is no friend to senior citizens but he still wants to be able to count on our voting for him. For those who don't understand why AARP sold out its own members, and all senior Americans, to support ObamaCare, just follow the money trail. AARP stands to make at least $1B from it by selling supplemental insurance that will not provide much in the way of health care benefits. AARP is also contributing to Obama's reelection campaign. Lynn Heath says: How we think is influenced by the words we use. I don't know exactly when our newspapers and government started using the word "healthcare." If we used the words "medical services," as I think we should, we would think differently about both "health" and "medicine." As a general rule you take "care" of your own health by eating right, getting proper rest and exercise, and avoiding a variety of bad habits. If you get injured or sick you go to a doctor for "medical services." A free market sets the price for "service;" a sentimental market sets priorities on who gets "care." Obama Sees Middle Class Tax Increase as a Victory Edna Perkins says: Just as the Good Word teaches us, we cannot be "warm" we must be hot or cold. Stand on the Rock, stand firm, stand strong, stand together. In November, our voices MUST be heard. Let us take back our great Nation, under God, let us be Indivisible, and provide Justice for all. Amen. JC Pickard says: The predominant reason I joined AMAC was they, unlike AARP, were against Obamacare from the get go. AARP out and out lied about the benefits of Obamacare and I will never forgive them for selling out us elderly folks! Phil says: Talk to your friends, relatives, neighbors, fellow workers, everyone about the upcoming election. They need to understand how important it is to vote Obama OUT! Obama wins........as a people and a nation, we LOSE! SCOTUS Ruling on Obamacare PaulE says: Next up "mandates" to buy Chevy Volts, houses, solar panels or pay a tax. This ruling opens up the floodgates for the government to basically mandate virtually anything or be subject to a tax. Don't need a new house? No excuse, you owe the tax. Don't want to buy a Chevy Volt? Too bad, the government says you have to or pay a tax. The progressive liberals in Washington are no doubt salivating at the potential revenue they can suck from the American economy to fund the transformation of America into the socialist utopia they all pine for with this ruling. Is Obama White House Willing to Jeopardize National Security for Political Gain? Steve says: This is a President who cares nothing about our heritage and the struggles we went through for freedom. Obama will do anything and everything to get himself re-elected. This is necessary if he is to continue his quest to reduce the United States from the world's leader to just a voice in the choir of many nations. Big Al says: The day after the Supreme Court decision, I received notice from my health care insurer that they are seeking an 18.6% increase for 2013. That will take my premiums from $1104/ month to $1309/ month. Include my $6,000/ year deductible and that makes it more like $1,800/ month. So much for AFFORDABLE healthcare!!!!!!!!!! "sound off" at www.amac.us 8 | www.amac.us Maintain your independence with hearing help from Beltone! Beltone has been manufacturing hearing instruments in America for over 70 years! Special AMAC Hearing Care Discount Program Simply show your AMAC membership card and your program will include: Complete your FREE hearing screening by Nov. 30, 2012 and receive your choice of: first-class stamps or FREE pack of hearing aid batteries � Free hearing screening � 20% discount off all Beltone hearing aids (average savings $400-$800) � Lifetime CareTM - free service at 1,500 Beltone nationwide locations � Full manufacturer's warranty � Discount extended to immediate family members FREE booklet of (20) *Offer good at participating Beltone locations. Discount cannot be combined with other offers � Exp 11/30/12 Beltone provider use NA#51210 Call 1.866.735.8333 to find your nearest Beltone Hearing Care Center David Limbaugh Talks `The Great Destroyer' I recently had the opportunity to interview nationally syndicated columnist and bestselling author David Limbaugh about his new book, The Great Destroyer: Barack Obama's War on the Republic. What follows is a portion of that interview. Bila: You write about Obama's proclivity toward the blame game, be it blaming American businesses, the American people, or President By Jedediah Bila Bush, a trend that is not only condescending and oftentimes out of touch with reality, but also reflects his complete inability to accept blame for his own policy failures. Do you think the blame-game jig is almost up now that his first term is near complete, or will the 2012 Obama campaign continue to reek of the same deflection? Limbaugh: When he ran in 2008, Obama had the luxury of running on abstract utopian themes of hope and change. The mainstream media, feckless Republicans, and many timid conservatives insisted on giving him a pass for his radical leftist record and his statements that telegraphed he would be the most radical president in our history. (He was, you will recall, named the most liberal senator in 2007 by the non-partisan National Journal). Now he has a record, and it is an abysmal record in every respect, and I mean every � unless a President can be favorably judged for being peerlessly egregious. I could meticulously substantiate this claim, but it would be much easier to refer your readers to my book, The Great Destroyer, and its predecessor, Crimes Against Liberty, both of which are heavy on footnote documentation. Because his record is so bad, Obama has limited options, all of which he will utilize. He will continue, preposterously, to blame George W. Bush. He will continue to downplay the state of the economy. He will continue to distort his record � telling us how many jobs he's created or saved, and he will be lying, as I demonstrate in the book. He will continue to scapegoat the Republicans for obstructing his agenda, which despite the abject failure of every policy he's tried, he somehow would have us believe would lead to miraculous economic results. Most despicably, he will continue to try to divide us by crass appeals to identity politics in a desperate effort to pull this election out of his hat. I do believe that his scapegoating strategies have worn thin with the American people and that he will not succeed in November with these arguments � or any others, for that matter. Bila: In Chapter Two, you state that "Obama's empowerment depends on maintaining a certain level of support among specific demographic and ethnic groups, to whom he presents himself as a protector against racist, malevolent Republicans." It has become clear to me that our President intends to try to condescendingly divide the country into special interest groups, using fear tactics to turn each group -- Hispanics, African-Americans, women, etc. -- against the GOP. Will he be successful? And how should Romney respond in order to best combat that agenda? Limbaugh : It appears that Obama is becoming painfully aware that the economy will not substantially recover in time to benefit him in November, and so he has made a calculated decision to put all of his re-election eggs in the identity politics basket. Obama has been deliberately dividing and polarizing Americans since early in his term. As I chronicle in the book, he was the most polarizing president in history at the end of his second year with 81% of Democrats supporting him and 13% of Republicans � a 68% gap. I might point out here in response to the anticipated liberal protest that George W. Bush was the most polarizing president -- let liberals make that claim, but remember this: George W. Bush was only polarizing because liberals went ape demonizing him, based on his policies. In no way did Bush himself appeal to Americans based on groups and categories (he made a strong, sustained effort to reach across the aisle, including with hyper-partisan Ted Kennedy, who rebuffed him). In no way did he try to divide continued on pg. 40 10 | www.amac.us "...has given me my independence back!" For only $1499 per month! Sometimes life can catch you by surprise, and it takes just a moment to end up in an emergency situation. In my good friend Helen's case, that moment happened while she was out for a walk. She started feeling dizzy, lost her balance and fell. Helen had her cell phone, but it happened so quickly she didn't know who to call or even have time to dial. It turned out she had experienced a minor stroke. These Agents are certified by the National Academies of Emergency Dispatch� and are trained in CPR and other emergency procedures. They will identify my location using GPS, evaluate the situation and dispatch 9-1-1 emergency services if needed. I had tried wearing one of those emergency buttons around my neck. But since it only worked around my house, I felt trapped. Plus, it was so expensive. 5Star has reliable nationwide wireless It took my friend's emergency to make me realize that I need to be coverage, and it's only $1499 per month. So I can get help at home better prepared. Then I found GreatCall's 5Star Urgent ResponseTM or on the go. service and I thought, `This is the answer!' The 5StarTM is a mobile medical alert device that gets you help whenever you need it, Having The 5Star is much better than relying on a cell phone. wherever you go. My daughter is always so busy, and my husband never keeps his phone on. I know they worry about me, but let's be honest, Now I know that if I encounter an uncertain or unsafe situation, even if they answered their phone, they wouldn't necessarily all I have to do is press the button and I can immediately speak know what to do. With 5Star, I can live my life the way I want to, and my family can worry less about me. to a 5Star Agent who can get me the help I need. Why 5Star is simply the best: � Works at home or on the go � Access to 9-1-1 emergency services � Access to a live, registered nurse, anytime � 100% U.S. Based Agents � Customer Service available 24/7 � Powered by one of the nation's largest, most reliable networks The most affordable personal emergency response system. No contracts No cancellation fees No equipment to install Limited time offer especially for you! Order today and receive a FREE CAR CHARGER, a $2499 value. Endorsed by John Walsh, host of America's Most Wanted Start now and save up to $300 per year in monthly fees compared to other personal emergency response systems! Call 1-866-283-6588 today or visit greatcall.com/5Star Not all personal emergency response systems (PERS) have the same features. You should determine which features are important to you. Calculation was determined by averaging the PERS market leaders' monthly published fees. 5Star Urgent Response is available with the purchase of The 5Star and a one-time set-up fee of $35. Valid credit or debit card required for monthly service. 5Star service may not be available in remote or enclosed areas. 5Star service will be able to track an approximate location when your device is turned on and charged, but we cannot guarantee an exact location. 5Star service does not require a contract and can be cancelled at any time. Monthly service fees do not include government taxes or assessment surcharges. Prices and fees are subject to change. 5Star service is not a substitute for 9-1-1. In the event of a critical emergency, always call 911 immediately. You can call 911 by pressing and holding the button for 5 seconds. GreatCall is a registered trademark of GreatCall, Inc. 5Star Urgent Response is a trademark of GreatCall, Inc. Copyright �2012 GreatCall, Inc. Money Understanding Medicare Enrollment Periods by Diana Wisniewski Medicare 102: MEDICARE SIGN UP HERE: M edicare Enrollments Periods continue to be a mystery to most Medicare Beneficiaries. As the Annual Enrollment Period (AEP) is approaching rapidly, AMAC is committed to helping our members handle this enrollment period with ease, as it can be a trying time. Our recommendation: please call us mid to late September, as we should have most 2013 plans available to review with you. Enrollments will begin on October 15th. The sooner you have determined the 2013 plan that suits your needs, the sooner you can enroll, thus avoiding the congestion of calls in the last two weeks of this enrollment period. AMAC has worked diligently all year to build up our in-house Medicare department to handle the volume of calls expected this coming AEP . ***PLEASE NOTE that Supplements (aka Medigap Policies) ARE NOT subject to these enrollment periods, and have all year round enrollment periods. Please see below for further details. For Medicare Advantage Plans and Prescription Drug Plans: Annual Enrollment Period (AEP): October 15th - December 7th ***The AEP "Annual Enrollment Period" (aka Open Enrollment) is approaching fast.*** This is the near 8 week span in which Medicare beneficiaries can enroll into new or different Advantage Plans (MA/MAPD) and their Prescription Drug Plans (PDP) for the upcoming year. You can enroll into an Advantage plan for the first time, or decide not to elect and Advantage Plan for 2013 and revert back to Original Medicare (A & B). In this year's case you will be making changes that become effective 1/1/2013. This is the period in which beneficiaries who are enrolled into an Advantage Plan can disenroll from the plan and revert back to Original Medicare (A & B). You may apply for a standalone Prescription Drug Plan (PDP) by February14th. You may also apply for a Supplement Policy (Medigap). Please keep in mind that beneficiaries applying for a Supplement may be subject to medical underwriting during this period and can be declined for coverage. This enrollment period is for newly eligible Medicare Beneficiaries. When you first turn 65, or are first eligible for Part B if receiving Medicare due to Disability, you have a 7 month window to enroll into an Advantage Plan and/or a Medicare Prescription Drug Plan. You have the three months BEFORE turning 65, the month you turn 65, and the three months AFTER turning 65 (or your Part B effective date if on Disability) to enroll into an Advantage Plan and/or a Prescription Drug Plan. If you do not enroll during this 7 month window, you will have to wait until the AEP to enroll into a plan. Please be aware that if you delay your Part B because you are continuing to work and have medical coverage through your job, when you do decide to start your Part B coverage, your ICEP/IEP is now shortened to the 3 months BEFORE your Part B effective date. The Key word here is "SPECIAL." If you have a special circumstance, such as moving out of a plan's service area, or an involuntary loss of employer coverage because you are retiring at the age of 65 or older, than you may qualify for an SEP . There are many other circumstances which may make you eligible for an SEP . The length of the SEP can vary based on the circumstance. If you have enrolled into an Advantage Plan for the first time in your life during ICEP , or have dropped a Medigap policy to go into an Advantage Plan for the first time in your life, you have an SEP which lasts for the first 12 months of your enrollment in the Advantage Plan. This allows you to revert back to Original Medicare, enroll into a Medigap policy without being underwritten (though you may be subject to a higher premium due to age), and purchase a prescription drug plan. This is a continuous enrollment period for people going in to or leaving an institution like a nursing home or skilled nursing facility. The OEPI ends two months after the beneficiary moves out of the institution. continued on pg. 45 Medicare Advantage Disenrollment Period: January 1st - February 14th Initial Coverage Election Period/ Initial Enrollment Period (ICEP/IEP) Special Enrollment Periods (SEP) Open Enrollment Period Institutionalized (OEPI): 12 | www.amac.us Manufacturer's Recall Just Announced Modular Hip Implant? Have you experienced failure of your Stryker Rejuvenate hip implant, resulting in pain and other complications that may have required revision surgery? If so, please know that we are investigating these injuries for possible legal action. On July 4, 2012, Stryker Orthopaedics announced a voluntary USA Recall of certain models of its Rejuvenate and ABG II hip implants, due to concern over revisions potentially associated with fretting and/or corrosion at or about the modular neck junction of the devices. These occurrences, according to Stryker, "may result in adverse local tissue reactions manifesting with pain and/or swelling." In April, a Canadian Medical Device Recall Listing was issued noting revised Rejuvenate usage instructions, warning that these components may also lead to improperly releasing potentially dangerous amounts of metal debris or metal ions into the patients' bodies and may result in Adverse Local Tissue Reaction including metallosis and necrosis. Weitz & Luxenberg can help you understand your legal options. We are one of the largest trial law and products liability law firms representing thousands of injured clients with results-oriented professionalism and sensitivity. For a free consultation please call us today at 1-888-411-LAWS (5297) or visit us on the web at www.HipDeviceRecall.com STRYKER REJUVENATE Are you suffering after being implanted with a � WEITZ LUXENBERG P.C. ASBESTOS | 700 BROADWAY | NEW YORK, NY 10003 BRANCH OFFICES IN NEW JERSEY & CALIFORNIA & LAW OFFICES | DRUGS/MEDICAL DEVICES ENVIRONMENTAL | NEGLIGENCE 1.888.411.LAWS | www.weitzlux.com ATTORNEY ADVERTISING. Prior results do not guarantee a future outcome. We may associate with local firms in states wherein we do not maintain an office. If no recovery, no fees or costs are charged, unless prohibited by State Law or Rule. Not licensed to practice law in Louisiana. Gary Klein, Esq. (Lawrence Goldhirsch, Esq., member of FL Bar) FOSAMAX � FEMUR / HIP FRACTURES W E A R E A L S O I N V E S T I G AT I N G Home. A place everyone should feel good about. For more than 45 years, Interim HealthCare� has been making a difference and improving lives. As one of America's largest and most experienced home care, hospice and healthcare staffing companies, we've earned the trust of families and physicians; helping people remain in the comfort and security of their own homes. For a location near you call (800) 944-8888 or visit www.InterimHealthCare.com. When it matters most, count on us. INT 16206 AMAC_7.625x4.889_4C.indd 1 4/25/12 1:36 PM Attention All Medicare Enrollees: You Don't Need the AARP for your Medicare Health Insurance! There is a big misconception among many people - a misconception that the AARP doesn't want to clarify - that you must go through the AARP in order to purchase any of the various Medicare health insurance plans you may need. This is NOT TRUE! ALL Medicare health insurance plans are available through private insurance companies directly to you! We at AMAC are determined to get the word out: you don't need to send your money to the AARP for your Medicare insurance needs. Even if you already have insurance through the AARP, you may be able to change. Give us a call today and tell AARP to "get lost" tomorrow! You may need to have Medicare health insurance plans, but you DON'T need to send your money to AARP. Call us today: AMAC Senior Resources Network Get answers you need from the people you trust! 14 | www.amac.us 1-800-334-9330 Mulberry 0394 Chestnut 2837 See for yourself why so many women love it! SA VE Our famous Fleece Jacket $5 only Navy 0098 Gray Heather 0136 Denim Heather 0213 Sand 0152 Deep Berry 6303 Delphinium Blue 2588 Cherry 0499 $ 14.99 Regular 19.99 For crisp mornings or cool evenings, our fleece jacket delivers just the right dose of comfort. Ribbed neckline and cuffs, snap front, slant pockets. Approx. 29�"L; Petites, 28". Polyester/rayon/cotton or cotton/ polyester. Machine wash/dry. Import. YDU 51719 S/PS(8-10), M/PM(12-14), L/PL(16-18, 16W), XL/PXL(20, 18W-20W), 2XL/P2XL(22W-24W), 3XL(26W-28W) Your always Satisfaction is Guaranteed ! on your order! Write in color and check size Apt.# Zip White 0014 Black 0020 IFJF3 Order toll free 1-800-458-2000 24 hours a day, 7 days a week FREE Shipping Order toll free 1-800-458-2000 Address 24 hours a day, 7 days a week (Please print clearly) Must use promotion code NKX Miss Mrs. Mr. YDU 51719 PRICE PETITES MISSES QTY. $14.99 S M L XL 2XL 3XL PS PM PL PXL P2XL EACH City Home Phone No. ( Email ) State �BLAIR 2012 �I want to receive FREE SHIPPING! Promotion code NKX Card # Signature Exp. Date � TOTAL Check or money order enclosed. When you pay by check, you authorize us to use information from your check to clear it electronically. Funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Charge my To apply for a Blair Credit Card, go to www.Blair.com/creditcard Use codes for phone/internet ordersk promotion code com/special source code A81D NKX Mail to: BLAIR , 24 ALBERIGI DRIVE, JESSUP, PA 18434-1832 or call 1-800-458-2000, 24 hours a day, 7 days a week IFJF3 This offer cannot be combined with any other offers. (Save $500 on your Little Guy through AMAC) Little Guy Teardrop Trailers e Little Guy is easy to use and with no set up required you can camp anytime anywhere. Tow the Little Guy with almost any vehicle, and with over a dozen models and endless accessories there is a Little Guy Trailer for everyone. Travel the country with your Little Guy Call 877.545.4897 or visit us at www.golittleguy.com 16 | www.amac.us �2012 IHSSM S-8974 OF25453R-1 73% pick the Wedge Sound System in a head to head test against the $500 competition 1,000s of satisfied Wedge owners spark buying frenzy Has more features, costs $100s less and has amazing sound Public outcry over survey triggers soaring demand for the #1 ranked Wedge Sound System after the survey found 73% of people favoring it over the more expensive $500 competition! And at a fraction of the price, the Wedge is quickly turning into this year's hottest selling sound system. Its high-end sound quality and low price has people scrambling and jamming phone lines to get one for themselves and as gifts. The factory can barely keep up with this fevered demand for the Wedge Sound System. Survey results show over 73% of people pick the new Wedge Sound System over the more expensive $500 Music System. More people preferred the Wedge based on sound quality, sound clarity, number of features and build quality. And 64% of people said the Wedge has a sound equal or superior to the $500 Music System! And at only $147, it has music lovers buzzing with excitement. That's a $350.00 savings! For the first time, anybody will be able to afford a top of the line sound system! Plus the company that has designed the Wedge is offering a 60-day Money-Back Guarantee so the public can hear the crystal clear sound for themselves risk-free. A truly unique aspect of the Wedge is you will never have to set the clock. The Wedge is already set for you when you plug it in and even adjusts for daylight Savings Time. Another unique feature is the dual battery back-up. If the power goes out, the Wedge won't and your alarm will still go off. you will never be late again! And you can listen to any part of your music collection on your Wedge. From Cds and MP3s, to your favorite radio station, the Wedge plays them all. The Wedge even stores up to 20 of your favorite radio stations for quick and easy access. To get the scoop on this new and groundbreaking technology, I spoke to the head of Product Research and design for the Wedge, Paul Goodman. Q. How can you offer such a high quality sound system in the Wedge for only $147 when the Leading Brand's radio goes for $500? A. We have designed the Wedge Sound System from the ground up. All costs are closely monitored and, through a streamlined manufacturing technique, the Wedge is able to be offered at this ultra low price. Q. How can the tabletop Wedge Sound System produce such lifelike sounds? A. Our special engineering team has developed a revolutionary design enabling Wedge Sound System shocks the music community! the Wedge to fill a room with The new Wedge Sound System has music lovers buzzing with excitement. Never before has such a high quality sound system been offered to the crystal clear sound. public at such a low price. Finally a high quality sound system anybody can afford. The Wedge has the Leading perfect balance of power Wedge has more features! Wedge Here's what a few of the thousands Brand flowing to its speakers so the $147 $500 of Wedge listeners have to say: sound is crystal clear with Price the volume on low or high. Adjusts for Daylight Savings Time YES NO "The sound is so rich and clear from such a small Q. How easy is it to NO piece. I was really amazed and pleased." set up the Wedge Sound Stores 20 Favorite Radio Stations YES System? 2 Separate Battery Back-ups YES NO -Bronwyn M. Owens, Taylor, MI A. The Wedge is highYES NO ly advanced but is a super 2 Separate Alarms "Radio has excellent sound. Its clarity is excellent YES NO easy-to-use sound system. SD Memory Slot for Mp3s and it's like people are in the room. Who needs a All the fine tuning has been Displays Day of Week YES NO stereo system!!" done for the consumer so all -Shelley Pearson, Poplar, WI YES NO they have to do is plug it in Nap Alarm and enjoy the Wedge's crys- Remote Control YES YES "Wow, you caught me off guard. The compact tal clear sound. YES NO Wedge System sounds and looks great. I was No figuring out where Able to Operate Without Remote to place multiple speakers Play Music From iPod� (mp3 player) YES YES very surprised..." and no confusing wires to #1 Pick in Survey -Chuck Zabriski, St. Petersburg, FL YES NO hook up. End of interview. SPECIAL READER'S DISCOUNT COUPON Readers can get the Readers of this publication get a FREE Remote Control and FREE n I am ordering within 10 days of the date of this publication, therefore I Wedge Sound System with shipping ($10.00 value) with this coupon and pay only $147, if you order get a FREE Remote Control, plus FREE shipping and handling. My a FREE Remote and FREE within 10 days. And get additional savings when ordering more than one. shipping and handling if price is only $147 for 1 Wedge, only $278 for 2 Wedges and only $399 2 Wedges are only $139 each, and 3 are only $133 each. That's a savings they order within the next for 3 Wedges. Quantity: ______ of up to $42.00! There is a strict limit of 3 Wedge Sound Systems at the 10 days. Please see the n I am ordering past 10 days of the date of this publication, therefore discount price - no exceptions please. Special Reader's discount I do not get the FREE Remote or FREE shipping and pay $157. � To order by phone, call TOLL-FREE 1-800-588-5609 and give the Coupon on this page. For operator your Offer Code: WDR351. Place your order by using Enclosed is $___________ in: n Check n Money Order those readers ordering after your credit card. Operators are on duty Monday - Friday 6am - 3am, (Make payable to IHS) 10 days, we reserve the Saturday 7am - Midnight and Sunday 7am - 11pm, EST. right to accept orders at the or charge my: n VISA n MasterCard � To order by check or credit card, fill out and mail in this coupon to discounted price. the address below. n Am. Exp./Optima n discover/Novus Plus you will get FREE This product carries a complete 60-day satisfaction guarantee. If Account No. _______________________________ Exp. date ___/___ Shipping and Handling! you are not totally satisfied, your purchase price will be MAIL TO: International Home Shopping, Offer Code: WdR351 refunded. No questions asked. Complete and mail in the 7800 Whipple Ave NW coupon at the right or call. If __________________________________________________________________ Canton, OH 44767 lines are busy, please try NAME or use Offer Code: WdR351 online at back - you don't want to __________________________________________________________________ www.wedgeradio.com miss out on owning a high AddRESS __________________________________________________________________ quality sound system for CITy STATE ZIP COdE only $147. Public outcry over shocking survey results! Advertisement Media Services Plug, Play, Listen CALL 1-800-588-5609 Op-Ed Freedom and Free Markets are What Make America Great S to depend chiefly upon the benevolence of his fellow ince its founding, America's success has been based citizens." on two fundamental principles: freedom and the The core of America is great, despite recent economic free market. The first, freedom, was established challenges, mostly caused by bad government policies by our Founders and enshrined in the Declaration of and interventions into the free market. We also have Independence and the Constitution. It was a stunning the best technologies in the world, including informaconcept to the world � the idea that each person tion, medical and manufacturing innovations and the owns liberty as a birthright, and that the sole reason financial resources to continue this growth. American "governments are instituted among men" is to ensure by Bob Luddy industry has the resources and cash to make job growth and protect that liberty. Those founding documents Job Creators Alliance a reality, but business is restrained by the government at stated for the first time that each person is an end in him every turn. or herself, not the means to the ends of other people, As our economy has grown over the past two hundred years, so has royalty or government. our government. We all know that government is required to protect This radical new ideal is what allowed early Americans to create a our well-being from criminals, frauds and international threats. new world from an untamed wilderness and to prosper as man never Unfortunately, our government has overstepped its boundaries, albeit had before. These early Americans were not burdened with undue with good intentions. Government intervention in the economy is taxes on their labor and their earnings. They were free to keep the now so prevalent that it consumes 35% of our gross domestic product. fruits of their work, and to invest them as they saw fit. Individuals Over the past century, growing government has gradually begun to and families in the United States took risks and worked hard because restrict our freedoms and make investment riskier and more difficult. they could enjoy the benefits of their labor in full. Thus, in less than 80 Excessive taxation and regulations restrict the small business owner's years America became the largest economy in the history of the world. ability to grow, and as a result of such policies we have a shortage of The free market is the important second principle upon which job growth both here and abroad. America based its success. American entrepreneurs followed the Continued government interventions and central planning pave economic theory enshrined in Jean Baptiste Say's theory on capitalism the road to stagnation. For the past several years all we've heard from known as "Say's Law," which states that supply creates demand. Europe is that politicians are fixing the economy, and we all know now While theoretically a difficult principle, practically Say's Law is easily the results have been dismal, with unemployment up to 25% in Spain observable in the marketplace every day. and a meltdown in Greece. Take, for example, Apple. When Apple created the iPhone, users The way out is not complicated. Reduce bloated government at lined up, literally, to purchase the groundbreaking new product. Apple all levels, cut taxes to create incentives to work and invest, and free didn't make the iPhone because there was a demand for such a device. up entrepreneurs and investors. Streamline regulation so that small They created a brilliant device that, before long, everyone had to have. business and high-growth entrepreneurs can focus on value creation. Supply created the demand. Let the consumer choose the winners and losers. A simple, fair tax Say's Law and the free market, in concert with political freedom, have code, free trade, consistent rule of law and sensible regulations afford driven economic progress in the United States since the eighteenth individuals, not governments, the ability to allocate scarce resources century. Notably, these principles run contrary to the constant based on family and individual values rather than the whims of central modern refrain that we must stimulate demand if we want economic planners. growth, the Keynesian theory that sounds good but has never worked We are the most fortunate people on the planet. The very best days of in the marketplace. America are ahead. But America's brilliant future will only be realized The success of economies and individuals ebbs and flows over time if we can return to our core values of freedom and private investment, but the long-term trend has always been a magnificent growth story which allow individuals to creatively allocate resources and achieve when enterprise is undertaken in an unfettered market. The U.S. an excellent high standard of living for all Americans. We owe it to our standard of living puts all Americans in the upper 1% of humans living forefathers, to ourselves, and to our posterity. in the world today. We enjoy prosperity that was unthinkable just 50 years ago. We have an abundance of food, technology, shelter, and yes, Luddy is the Chairman and Founder of CaptiveAire, Inc., now the leisure, thanks to the prosperity created by free individuals pursuing nation's largest and most respected manufacturer of commercial their own happiness and rational self-interest. kitchen ventilation systems, employing over 600 people through the Adam Smith said it best: "It is not from the benevolence of the United States and Canada with $220 million in sales in 2011 alone. butcher, the brewer, or the baker that we expect our dinner, but Luddy is also a member of the North Carolina Leadership Team for from regard to their own interest. We address ourselves, not to their the Job Creators Alliance, a non-profit devoted to the defense of free humanity but to their self-love, and never talk to them of our own enterprise. necessities but of their advantages. 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An eyecatching digital semicircle animates in time with the second hand and shows the day of the week. The watch also features a rotating bezel, stopwatch and alarm The Compendium: The functions and green spectacular face of the electro-luminescence latest watch technology. backlight. The Compendium Hybrid secures with a rugged stainless steel band and is water-resistant to 3 ATMs. Guaranteed to change the way you look at time. At Stauer, we believe that when faced with an uphill economy, innovation and better value will always provide a much-needed boost. Stauer is so confident of their latest hybrid timepiece New technology usually starts out at astronomical prices and then comes down years later. We skipped that step to allow everyone the chance to experience this watch's brilliant fusion of technology and style. We originally priced the Stauer Compendium Hybrid at $395 based on the market for advanced sports watches... but then stopped ourselves. 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WATCH SPECS: - Three LCD windows show hour, minute and second - Stop watch function - Fits 6 3/4"�8 3/4" wrist Offer Limited to First 92% OFF 2500 Respondents Stauer Compendium Hybrid Watch--$395 Now $29 95 +S&P Save over $365 Other discounts and coupons do not apply to this exclusive offer. Call now to take advantage of this limited offer. 1-888-324-4370 Promotional Code VHW487-03 Please mention this code when you call. Stauer � Dept. VHW487-03 14101 Southcross Drive W., Burnsville, Minnesota 55337 Smart Luxuries--Surprising Prices www.stauer.com How to Make a Splash Without Getting Wet Bring home 300 carats of aquamarine, the legendary "sailor's gem". In tradition, it's considered the most precious of gemstones -- now for under $130! Lim ite d T his is not a necklace. It's the World's Most Beautiful Personal Flotation Device. Ever since ancient times, sailors have sworn by aquamarine for protection on the open water. For them, it was a sacred gem connected to Neptune. But today you don't have to leave shore to reap the benefits of this legendary blue gem, because your ship has come in. Today, you can wear this spectacular 300-Carat Mar� Aquamarine Necklace for only $129! Claim your "Mermaid's Treasure." On any vessel crossing the oceans, there was no more precious cargo than aquamarine. Sailors paid handsomely for its power, considering it their most valuable commodity. In scientific terms, the chemical composition of our Mar� Necklace beads are cousins to precious emeralds. They begin life as geological twins underground, colorless until something sparks a change. Sprinkle in a dash of minerals and one becomes vivid green and the other becomes brilliant blue. That's the beauty of chemisty. to the Fir st 1,5 00 Re sp on de rs! A legend among luxury jewelers. Named for the Latin words for "water of the sea," aquamarine shines with all the colors of the ocean. Each bead is like a droplet of the sea frozen in space and time. Walk into the most exclusive retail jewelers and you'll find aquamarine in a place of honor. Fifth Avenue thinks nothing of offering a strand of aquamarine "pebbles" for $12,000. But with a color this captivating, you deserve more than a dollop. That's why we collected the bluest stones from three continents, polished them to perfection and arranged them in this double-stranded, 300-carat masterpiece. Order now and we'll send you the 20" Mar� Aquamarine Necklace, featuring two loops of graduated beads with a lobster clasp and spacers layered in gleaming 14K gold. Previously offered for $395, this necklace is yours today for only $129! Nobody but Stauer can give you this much genuine aquamarine for so little. Your Satisfaction is Guaranteed. If you don't fall in love with the Mar�, send it back within 30 days for a complete refund of your purchase price. It's that simple. Call now to set sail on your own incredible aquamarine deal while they last! 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The 2012 $100 SILVER PROOF WORLD'S FIRST Collectible 2012 date Mirrored proof background Larger Franklin portrait Liberty Bell, quill pen & July 4th date Minted in one Troy ounce of pure silver bullion Shown larger than actual size of 6" x 21/2" New York Mint Announces the Limited Mintage Striking of an Extraordinary Silver Proof --the Newest United States $100 Bill Struck in Pure Silver Bullion. Discount Price $99 This extraordinary piece of pure silver bullion has a surface area that exceeds 30 square inches...and it contains one Troy ounce of pure silver bullion! And now, during a limited strike period, the very first Year 2012 $100 Silver Proof is available at a special discount price--only $99! The historic 2012 $100 Silver Proof is an exquisite adaptation of the United States Treasury's newly-designed $100 Federal Reserve Note--only the second new $100 bill design in 70 years. It is a true artistic masterpiece that will always be treasured. Best of all, this stunning Silver Proof is even more beautiful than the original, because it's struck in precious silver bullion! It is a landmark in proof minting, combining unprecedented weight with extraordinary dimension. The specifications for this colossal medallic proof are unparalleled. Each one: � Is Individually Struck from Pure .999 Silver Bullion. � Weighs one Troy ounce. � Has a Surface Area That Exceeds 30 Square Inches. � Contains 31.10 Grams (480 Grains) of Pure Silver. � Is Individually Registered and Comes With a Numbered Certificate of Authenticity. � Is Fully Encapsulated to Protect Its Mirror-Finish. � Includes a Deluxe Presentation Case. The 2012 $100 Silver Proof is being released exclusively through New York Mint and is not available anywhere else. NOTE TO COLLECTORS: If you place your order for the $100 silver proof within the next 10 days, it will be processed immediately, and the earliest orders will receive the lowest registration numbers. By placing your order now, you can acquire this giant silver proof for only $99. Substantial additional discounts are available for serious collectors who wish to acquire more than one of these exquisite silver proofs. You can order: ONE Year 2012 $100 Silver Proofs for just $99 each + s/h FIVE Year 2012 $100 Silver Proofs for just $95 each + s/h TEN Year 2012 $100 Silver Proofs for just $89 each + s/h There is a limit of twenty $100 Silver Proofs per order, and all orders are subject to acceptance by New York Mint. EXCLUSIVE RELEASE ADDITIONAL DISCOUNTS EXQUISITE DETAIL .999 SILVER ONLY 9999 AVAILABLE New York Mint will limit striking to only 9999 One-Ounce Silver Proofs for the year 2012. With over half of the mintage already sold out, the time to call is now! Telephone orders only will be accepted on a strict first-come, first-served basis according to the time and date of the order. 1-888-201-7060 Please mention this code when you call. Call Today to Order Your $100 Silver Proof! Offer Code: NSP213-02 A major credit card is necessary to secure your reservation, and New York Mint guarantees satisfaction with a money-back policy for a full 30 days. New York Mint Prices and availability subject to change without notice. Past performance is not a predictor of future performance. New York Mint is a private distributor of worldwide government coin issues and is not affiliated with the United States government. Facts and figures were deemed accurate as of May 2012. � 2012 New York Mint Visit our web site at www.newyorkmint.com I Firmly Cry "No!" hat's wrong with this picture? A great many New Yorkers and others are baffled by Mayor Bloomberg's attempt to ban super-sized soda. Without a doubt, educated individuals are aware of the dangers of over-indulging in too much sugar and are careful to consume sweets in moderation. While the Mayor wants to "save the city" from the evil sugar villain, he should wait to tie the strings of his super-hero cape. Perhaps he did not get the memo that we do not need or want government control of every little aspect of our lives. Since my youth, I've firmly believed that government should flow from the people. When the government starts to take control of decisions without regard to the wishes of the public, there is something oddly disturbing happening. Should the government be allowed to regulate your lifestyle? I firmly cry "No!" Where do we draw the line? First, they will limit your soda intake. What's next? How about a regulation restricting the size of your popcorn at the movies? How would you feel if government required you to stand on a scale before ordering? God forbid your body mass index is awry. Will you be given a choice between carrot or celery sticks or be turned away? We all know that sleep is good for our bodies, but do you want the government to set a curfew for you just because sleep is "healthy"? Yes, these may sound extreme, but who is to say we are not headed in that direction? If you don't want big government telling you that you can't buy a super-sized soda, let your politicians know. Stand steady by telling big government we value personal freedom and are determined to keep it that W by D.J. Wilson way. Should the government be allowed to dictate what you can and can't do? I firmly cry "No!" Who's the boss? Have you ever worked on a joint project with someone who held little regard for your ideas? I think we all have experienced this at one point in time. How did it make you feel? If you're like me, these types of closed-minded people are not only frustrating to work with; they hurt themselves by not allowing for other people's creativity. A closedminded government works much the same way. Government is increasingly becoming intolerant of the beliefs and opinions of its people. If you are tired of politicians who are stubbornly unreceptive to your ideas and beliefs, it's time for new leadership. Seek out leaders who will listen to your voice. Should we let the government ignore our ideas and make decisions for us without our consent? I firmly cry "No!" Did you say democracy? Yes. As our government often forgets, the United States of America is a democracy. What does this mean? To me and the vast majority of Americans, it means a government by the people. Let me reiterate that important fact, a government by the people. It is neither a government run by an elite few nor one ruled by a singular individual such as a king or queen. Democracy is a far cry from a monarchy. It shocks me how some people seem to forget how much their opinions count. Our government gains legitimacy because of the consent of the people it governs. Should you take a backseat because you mistakenly think your ideas don't count? I firmly cry "No!" Is the Government smarter than you? They will tell you "yes" 22 | www.amac.us Is the Government smarter than you? I Firmly Cry "No!" but it is far from the truth. Take a look at the poor state of our economy and our deficit accompanied by a definitive lack of leadership. The government sadly lacks a real plan. The "let's try this or let's try that" approach is not working. Trial and error, time and time again, has turned to error and error. A prime example is government bail-outs of banks. It simply added too much to the debt to be labeled a success in my book. The broader question to ask is should the government be in the business of owning industries? A dummy knows you can loan out money to anyone, but unless it can create jobs, repay taxpayers' interest, grow the economy, employ future generations and help the company to succeed while increasing the tax base, it's likely a poor tactical move and sets a dangerous precedent. While the government was trying to make itself look good by coming to the rescue of certain failed industries, no one cared what you thought. Should the government take your hard-earned money and go on unprofitable wasteful spending sprees? I firmly cry "No!" Is your faith in the current government in question? It is extremely difficult to have faith in a government, especially in Barack Obama, due to his constant change on stances. He wants to be re-elected so badly that he is willing to compromise on issues and chooses to do what he thinks will bring about the most votes. Not only is he undermining immigration laws, he is trying to break the ways laws are made. Normally, laws are made constitutionally whereby Congress drafts and votes and the President signs or vetoes. In this case, Obama unconstitutionally took advantage of his executive power by prescribing the law to favor illegal immigrants and his motive for doing so is solely to gain the Hispanic vote. Can you trust a President who waivers on issues and is willing to compromise beliefs in order to maximize voter support? I firmly cry "No!" Does Obama have a limit? Obamacare is a prime example Obama's poor policies and reflects his wish to take away your freedom. The Supreme Court's ruling on the constitutionality of the law doesn't make it a good idea. Essentially, Obamacare is a tax which will deeply hurt many American families and businesses who are struggling to make ends meet or create jobs in his poor economy. The only freedom Obama will give you is a choice between getting health care and being fined. The greater fear is he will take away your freedom to choose your own doctor and we will all lose our ability to access quality healthcare. We will move toward the creation of waiting lists for services which will cost lives and a grim future of denial of services for ourselves, our children and grandchildren. We want affordable healthcare for everyone, but to do so by force is unconscionable. Should we allow Obama to stomp on our personal freedom by issuing a healthcare mandate by force while increasing taxes? I firmly cry "No!" Show big government who's really boss! The time for us to protect our freedom is now and the stakes have never been higher. The Government needs a shake-up and your vote is the way to do it come November. Send Obama a strong message. Let's remind him of the basic principles upon which this country was built. Let's honor life, liberty and justice. While we still have a voice, let's rise up and let our opinions echo throughout our local, state and federal government. It's time to stand up for freedom and be heard. They will tell you "yes" but it is far from the truth. Take a look at the poor state of our economy and our deficit accompanied by a definitive lack of leadership. The government sadly lacks a real plan. The "let's try this or let's try that" approach is not working. Trial and error, time and time again, has turned to error and error. Let's tell big government the following: You will NOT regulate or dictate my lifestyle. You will NOT ignore my ideas nor stifle my feelings. You will NOT impede on my personal freedom. You will NOT make decisions against the will of the people. You will NOT waste or squander my hard-earned money. You will NOT make a mockery of our government by abusing executive power for political gain. You will NOT stomp on our liberty. I've had enough and I firmly cry "No!" www.amac.us | 23 Caribbean Cruise Plus...New Orleans Tour 11 Days Travel with other Amac members departing January 11, 2013 from $1798* AIRFARE INCLUDED FROM OVER 60 US CITIES Start in New Orleans for two days and nights and tour `The Big Easy,' including the French Quarter, St. Louis Cathedral, Bourbon Street, the Ninth Ward devastated by Hurricane Katrina, Lake Pontchartrain, the new ood gates and rebuilt levees, plus travel on St. Charles Avenue, following the Mardi Gras route. Then before boarding the NCL Star, visit the museum "Living with Hurricanes: Katrina and Beyond." Aboard ship enjoy the renowned Norwegian Freestyle cruise experience with 10 di erent dining rooms with no assigned seating. In the Western Caribbean visit the exciting ports of: Costa Maya, Mexico, with Mayan Ruins and unspoiled coastal paradise; Belize City, Belize (in Central America), an English colony as late as 1963; Roatan, Bay Islands, Honduras, a peaceful, eco-tourist's dream, teaming with marine life and prestine reefs; and Cozumel, Mexico, an isolated island with a laid-back charm. After seven nights at sea, spend a nal night in New Orleans to tour two, pre-civil war mansions and plantations. *Air supplement from some airports. Hawaiian Kings Tour The Best 2-Week, 4-Island Vacation Available At The Most A ordable Price! 15 Days Join other Amac members departing March 6, 2013 from $1898* "Carefree" best describes your vacation starting with your Polynesian tour director meeting you at the Honolulu airport. Spend 5 nights in Waikiki Beach (Honolulu) on Oahu; 3 nights on Kauai; 2 on Maui; 1 night in Hilo and 3 in Kona, on Hawaii ("the-big-island"). Escorted sightseeing includes a city tour of Honolulu, Punchbowl Crater and Pearl Harbor, the Wailua River Boat Cruise, The Old Whaling Capital of Lahaina, the Iao Valley, Hilo Orchid Gardens, Rainbow Falls, Black Sand Beaches, Volcanoes National Park and more. Includes: hotel accommodations, taxes, inter-island ights, baggage handling, escort, & sightseeing. *Price per person, based on double occupancy. Airfare is extra. Seasonal rates may apply. We specialize in Hawaii and have had our own o ce in Honolulu since 1967! MSC CRUISES Transatlantic & Europe Cruise Plus...Tour Germany Travel with other Amac members departing April 19, 2013 from Save on this Repositioning Cruise 24 Days $2198* Star t in Ft. Lauderdale for one -night with a city tour, including Miami. The following day, you will board the magnificent MSC Poesia where you will discover comfor t and luxur y cruising at its best! Sail to por ts in: " The Big Apple," New York City ; Ponta Delgada, in the Azores, with miles of sandy beaches; Lisbon, Por tugal, filled with cobblestone streets; La Coruna, Spain, known for spectacular inland scener y and seaside towns and Dover, England, famous for its amazing white cliffs. Disembark in Kiel, Germany and travel to Hamburg for the star t of your five -day tour of Germany including: Berlin, Dresden, Weimar, Nuremburg and Munich. Fly home May 12th. *Add only $600 for Superior Balcony Stateroom. 13 Days Plus...West Coast Train Tour & San Francisco Join other Amac members departing May 31, 2013 from Alaska Cruise NORWEGIAN CRUISE LINE $2148* Your vacation begins in Seattle where you will board the NCL Jewel for a seven night Alaska cruise through the scenic Inside Passage to Ketchikan, "The Salmon Capital of the World;" Juneau, Sawyer Glacier, with incredible colors; Skagway, where you can stroll the weathered boardwalks; and Victoria, BC on Vancouver Island. Disembark in Seattle and enjoy a city tour with all the highlights. The next day board the Amtrak Coast Starlight train to San Francisco. Travel by day through Washington and Oregon's spectacular scenic vistas. Enjoy your Amtrak sleeper-roomette at night (includes VIP lounge). Arrive in Napa and visit two of the area's premier wineries. Then spend two nights in San Francisco (stay near Fisherman's Wharf ) with a city tour including the Golden Gate Bridge, Pier 39 and Union Square. *Price per person, based on double occupancy. Airfare is extra. TM For reservations & details call 7 days a week: 1-800-736-7300 24 | www.amac.us "What do you do when you've tried everything to overcome pain? The internet! That's where I found Mortonsfoot.com and it changed my life. I'm a welder and have suffered bad hip and knee pain from years on steel and concrete floors. To keep working I had to take pills every 4 hours. 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Seniors Ecstatic with Retirement Option! National Reverse Mortgage Specialist Harold Bremser Jr. www.ReverseMortgageInfoUSA.com Not available in MO, WA, VT � Coming Soon in FL Direct: 1-800-591-7080 | Corp: 1-800-486-8786 Ext. 745 Fax: 954-212-9202 | Email: hbremser@iReverse.com www.amac.us | 25 Safety Are you lightning smart? Your Insurance Advisor t any given moment, there are 1,800 thunderstorms in progress somewhere on the earth. This amounts to 16 million storms each year! Be lightning smart! Consider the benefits of a lightning protection system for your home, and don't wait too long to get to a safe place when thunderstorms approach. Damage caused by lightning, such as fire, is covered by standard homeowners' and business insurance policies. Some home and business insurance policies provide coverage for power surges that are the direct result of lightning striking a home or business. There is also coverage for lightning damage under the comprehensive portion of an auto insurance policy. With the explosion in the number and value of consumer electronics in homes, such as flat screen TVs, home entertainment centers, multiple computers, gaming systems and other expensive devices, it is more important than ever to take precautions. A age a building's electrical system, computers, appliances and other systems. UL-listed transient voltage surge suppressors can also be installed to protect specific pieces of electronic equipment. Keep in mind that power strips offer little protection from electrical power surges. 3. Unplug expensive electronic equipment. As an added precaution, unplug expensive electronic equipment such as TVs, computers and the like if you know a storm is approaching. Do's and Don'ts for Lightning Safety 1. When Thunder Roars...GO INDOORS! Take shelter in a home, large building or substantial fully enclosed building, preferably protected with a lightning protection system. Hard topped vehicles are generally safe shelters as well. Preventing Losses Travelers and I.I.I. offer the following tips to protect homes and businesses against power surges and lightning strikes: 1. Install a lightning protection system. A lightning protection system supplies structural protection by providing a specified path on which lightning can travel. When a building is equipped with a lightning protection system, the destructive power of the lightning strike is directed safely into the ground, leaving the structure and its contents undamaged. The system includes a lightning rod or air terminals at the top of the house that can be disguised to look like a weather vane and wires to carry the current down to grounding rods at the bottom of the house. According to the Institute for Business & Home Safety (IBHS), the lightning protection system needs to be securely anchored to the roof; otherwise it may whip around in a storm and damage the building. So make sure to have a licensed electrician install your lightning rod and protection system. 2. Use surge protectors. Today's sensitive electronic equipment is particularly vulnerable to lightning. To assure the highest level of protection, UL-listed surge arrestors should be installed on electrical service panels. Installations typically include surge arrestors for the main electric panel, as well as incoming phone, cable, satellite and data lines. Surge arrestors protect against damaging electrical surges that can enter a structure via power transmission lines. By filtering and dissipating the harmful surges, arrestors prevent electrical fires and protect against electrical discharges that can dam- 2. Avoid areas where you will be the highest object. If you are caught in an open field with no nearby shelter, and your hair begins to stand on end (an indication that lightning is about to strike) drop down and crouch with hands on knees, rocking up on the balls of your feet. (The idea is to make as little contact with the ground as possible.) Never lie down flat or place your hands on the ground. 3. Certain locations are extremely hazardous during thunderstorms. Avoid lakes, beaches or open water, fishing from a boat or dock, riding on golf carts, farm equipment, motorcycles or bicycles. Take shelter in tunnels, subways, even ditches or caves if necessary--but never under a tree! 4. If caught on high ground or in an open area, seek shelter in a low area and stay away from trees. A small grove of bushes or shrubs is preferable to lone trees. 5. To avoid side flashes (voltage from a nearby struck object) stay clear of fences or isolated trees. Keep away from telephone poles, power lines, pipelines or other electrically conductive objects. 6. Stay off the telephone! In your home, don't stand near open windows, doorways or metal piping. Stay away from the TV, plumbing, sinks, tubs, radiators and stoves. Avoid contact with small electric appliances such as radios, toasters and hairdryers. This article from the Insurance Information Institute (www.iii.org) is brought to you by Travelers. To learn more about the Travelers Auto and Home Insurance Program for AMAC members or to request a quote, call 1-866-906-4467 or visit www.travelers.com/amac. 26 | www.amac.us Tan $12 a Pair -- But not for much longer! It's our ONE-TIME-ONLY "Miracle Price" on our finest dress slacks! Why spend $45 to $85 per pair for lesser slacks? Why go to the trouble of shopping all over town? Join over 7 million demanding executives nationwide and get these universally respected Haband Business Slacks at the low price of $12 a pair when you buy 2! 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Adamo N early every day, Americans are bombarded with news of the mushrooming national debt. Yet we continue to hear proposals from Washington for one new federal program after another, with price tags regularly ranging in the hundreds of billions of dollars. All such expenditures are, according to their advocates, absolutely critical to America's health and future, though the nation fared extremely well without any of them in the past. Such numbers are mesmerizing in their enormity, but after the initial shock wears off, their continual repetition tends to have a numbing effect on the general populace. In a very real sense, this plays perfectly into the strategy of the big-government liberals who have dragged America towards a financial abyss in recent years. If the notion of a trillion dollars of increased debt every year causes little or no distress among voters, then the political elite can proceed to write checks of such astronomical amounts to their favorite special interest groups despite having no funds to back them up. Perhaps a day of reckoning will come, or maybe it won't. But in either case, it will all be left to some future office holder to pick up the pieces. This is how things have worked in the past, and far too few people in high places believe that anything needs to change now. However, the financial landscape has changed, and very significantly. Both domestically and on the world scene, the former pattern of simply borrowing from some international bank, and passing the cost of bloated and expensive social programs on to future generations, is meeting with greater and greater resistance. Debtor nations are simply running out of monetary sources from which to finance their unrestrained spending. A major segment of the American population was alive in 1982, the year in which the total debt of this nation passed the $1 trillion mark. And at that time, the event was considered extremely alarming. Yet by the end of 2008, the debt had increased tenfold. Worse yet, since 2009, each yearly deficit has far exceeded the one trillion dollar mark. Currently, the total has grown to sixteen trillion dollars. The timeline of this financial disaster needs to be considered in greater depth, in order for its real impact to be comprehended. 30 | www.amac.us plus annual deficits. Instead of approFrom 1789, the year the Constitution priately managing the nation's finances, was ratified, through 1981, the total And if America neglects to the plan is to maintain the "loyalty" of debt of the United States of America key constituencies by keeping them dedid not exceed one trillion dollars. address these problems in pendent, which hopefully will translate That time period encompassed such time, and allows its fi nancial to party-line votes on Election Day. This epic milestones as the Louisiana Puris the grim game that big government chase, the War of 1812, the Civil War, house to collapse, just what liberals inside the Beltway are willing to two World Wars, Franklin Roosevelt's play with America's future, and the in"New Deal," Lyndon Johnson's "Great will day to day life in this dication of how much real concern they Society," landing on the moon, and the country eventually look like? have for the plight of the "little people." development of the first Space Shuttle, In a similar manner, the question just to name a few highlights. We can get a glimpse of that of the nation's legal debt ceiling has Throughout that entire span of time, future by considering the been wholly mischaracterized, and is though federal programs often extendregularly wielded as a political weapon ed beyond the constitutional boundmayhem occurring on the instead of being addressed in its stark aries placed on government by the other side of the Atlantic, reality. The debate last summer over founders, the cost of servicing the debt whether or not to raise the debt ceiling remained manageable, which is to say amid the news reports of was shamelessly demagogued by the that it could be sustained. The ongoing Obama Administration and congres"tug of war" between those who sought impending calamity within sional Democrats, along with the liberal to relentlessly expand government, the European Union. media, who presented it as evidence and their opponents who endeavored that Republicans would mercilessly cut to keep costs under control, served to off Social Security checks to seniors and prevent a financial meltdown, even withhold pay from military personnel. when the nation strained under the In the aftermath of the debate, Standard disproportionate loads imposed by the and Poors downgraded America's credit initial forays into socialism under Roorating for the first time in this nation's sevelt, along with Johnson. history. As recently as the 1990s, the RepubliWhile accusations abounded that can controlled House of Representatives the credit rating downgrade occurred in managed to balance the federal budget for response to the strident political debate preceding the action of the first time in decades, giving rise to optimism among many Congress to raise the debt limit (Apparently, we are expected to that perhaps the federal leviathan might have been brought unbelieve that multi-billion dollar financiers are traumatized by parder control. And while deficits reappeared later in the decade tisan bickering.), in truth it was the growing specter of insolvency and increased significantly in the aftermath of 9-11, the financial that caused so much anxiety on the world financial scene. And course of the nation still seemed fairly secure. while America's current situation has not yet descended into comSince the inauguration of Barack Obama in 2009 a fundamental plete chaos, the possibility of a major financial meltdown at some change in attitude regarding spending swept the highest levels of point in the future still makes investors understandably nervous. government, vastly eclipsing any former spending excesses. DurUltimately, despite all of the political posturing and grandstanding the three years since, it spawned a financial tsunami that is ing, the task of bringing federal spending under control in order to not only crippling the economy and wreaking havoc on the priavoid a complete bankruptcy of the national treasury is critical to vate business owner on Main Street, but portends an inevitable our wellbeing as a nation. The profligate spending must be reined catastrophe at the federal level as well. Unfortunately, rather than in, and maintained at realistic levels that can be supported withrationally confronting the situation with an eye towards rectifying out overwhelming the private sector economy. Otherwise, the day it, Obama aided and abetted by his minions on Capitol Hill and will dawn when the federal government will simply be unable to in the nightly news, is intent on continuing down this disastrous provide those services on which so many citizens have come to course, motivated by a mindless devotion to the failed and disdepend. At that point, no amount of rioting in the streets or other credited philosophy of collectivism. displays of public disapproval will fix anything. Over on Capitol Hill, Senate Democrats have likewise engaged And if America neglects to address these problems in time, and in disgraceful political maneuvers designed to continue the allows its financial house to collapse, just what will day to day life spending spree while dodging culpability for it. In a total breach in this country eventually look like? We can get a glimpse of that of their constitutional responsibility, they have refused to pass a future by considering the mayhem occurring on the other side of federal budget for over three years. However, in Washington "no the Atlantic, amid the news reports of impending calamity within budget" does not mean no spending. It means no attempt to limit the European Union. Over the last several months, predictions spending to a reasonable and sustainable rate. The disbursement of pending financial disaster within the European Union have of federal dollars continues to balloon with new trillion dollar ? continued on pg. 36 www.amac.us | 31 U.S. Debt and Deficit Statistics The numbers are staggering and the implications are ominous by Pam Smith E xcessive spending has created record levels of debt and deficits, and the worst is yet to come, threatening opportunity and prosperity for younger generations. As the "fiscal cliff" gets closer and closer, the debate about fiscal responsibility and the need to balance the budget must take center stage as we approach the Presidential Election. The decisions that will be made over the next four years are critical to the country's economic future, and the American public must know the facts as they head to the polls. The National Debt has increased more during President Obama's time in office than it did during 8 years of the George W. Bush presidency. The Debt rose $4.899 trillion during the two terms of the Bush presidency. It has now gone up over $4.939 trillion since President Obama took office. If current policies are continued, federal debt will grow rapidly from its already high level, exceeding 90 percent of Gross Domestic Product in 2022, and the U.S. could face another devastating fiscal crisis according to a new report issued by the non partisan Congressional 32 | www.amac.us Budget Office. The long-term CBO outlook warns that, absent some grand bargain by the White House and Congress to begin controlling spiraling entitlement and other government spending, the "growing debt . . . would increase the probability of a sudden fiscal crisis, during which investors would lose confidence in the government's ability to manage its budget and the government would thereby lose its ability to borrow at affordable rates." This is a critical time for America and we cannot endure four more years of unsustainable federal fiscal policies. It's time to send leaders to Washington who care more about the next generation than they do about the next election. www.amac.us | 33 What if the Fiscal Crisis Pushes Us Over the Edge? by Dan Weber Germany during the Second World War. Fifteen years ago, most Americans would have denied the possibility of our Twin Towers falling at the hands of terrorists. Today, most Americans do not want to imagine what our country could look like should our Government continue with out of control spending while systematically stripping our citizens of their individual rights. A t the turn of the 20th Century, few people could have imagined the horror bestowed upon National Debt Crisis Leaves Nation in Collapse N AT I O N A L N EWS Unfortunately, the following scenario could very well be the reality for future generations of Americans unless we stand together for change this November. he riots in all of ou r major cities have now spread to sm aller cities and town s across the nation. Police departmen ts stand idly by as ho ards of people sto rm stores and warehouses stripping them of anything of value. The loo ters, many of wh om are armed, have had sporadic shootout s as different neighborhoods and gangs attempt to gain control of their ter ritories. So far, th e na tional death toll is estim ated at 12,000. A loaf of bread, mostly sold locall y since the transportation network has basic ally been shut down, now costs between tw enty and thirty dollars. Homeowners have banded together to form defense perimeters around their comm unities. American citizens who had previously volunteered to serve in local fire departm ents and who used to run th e soccer and Little Leagues now serve in their local militias. The bartering system has largely replaced the cash and credit system as the pred ominate method of trade. A wristwatch is given for ten gallons of ga soline while I recently wi tnessed a case of to ile t paper being exchange Police in Riot gear d for a case of soup guuard a food proces . sing plant during recent unrest From the richest to in Washington the poorest - all of us are now suffering fro press conference, m the effects of W condemned their WD, the World's Worst Depr actions as a conspiracy aimed ession. at toppling Ameri Analysts are in ca as a superpower. At th agreement that th e same conferenc e root cause of our financ e he affirmed the contin ial problems began ued use of our m with the huge National Debt ilitary to guard and help ru and annual budget n the food processin de fi cit. When the interes g plants to assure the natio t on our loans we n its food supply wo nt from 40% of the natio uld not be shut down. n's budget in 2012 to over T JULY 12, 2025 70% last year, th e economy becam e unsustainable. There wa s not enough mon ey for the government to pa y its bills and it wa s impossible to raise taxes any further after em ployers and employees joi ned together in tax str ikes. When the US Gove rnment announce d that they had to defau lt on Treasury bo nds and bills held by vario us countries, they should have anticipated the disastrous res ults that followed. This wa s after the govern ment had cut over 200,000 federal jobs and reduced Federal pensions and Social Securit y by 25%. But even those dr astic measures co ul d not stop what was to happen next. The Chinese, wh o Treasury Secretar y Paul Wilson blamed for starting WW D by demanding the territ ory of Taiwan be returned to the Chinese na tion, dumped the majority of their U.S. hold ings sending our ec onomy into a tailspin. Th ey followed that up with their successful att empt to replace th e U.S. dollar as the world currency with a ne w currency called the Su ng. Russia, Iran, Ve nezuela and the Saudi's im mediately announ ced their support for the Su ng. The President, in his last 34 | www.amac.us o N tra n Co ct Lo S B ng ou ett Want a cell phone that's er nd er Ba a tte nd just a phone? Your choice is simple. ry L NEW Introducing the all-new Jitterbug� Plus. 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Since there is no contract to sign, you are not locked in for years at a time and won't be subject to early termination fees. e U.S.-based customer service is Monthly Minutes Monthly Rate Operator Assistance 911 Access Long Distance Calls Voice Dial Nationwide Coverage Friendly Return Policy1 50 $14.99 24/7 FREE No add'l charge FREE Yes 30 days 100 $19.99 24/7 FREE No add'l charge FREE Yes 30 days More minute plans available. Ask your Jitterbug expert for details. knowledgeable and helpful and the phone gets service virtually anywhere in the continental U.S. Above all, you'll get one-touch access to a friendly, and helpful GreatCall operator. ey can look up numbers, and even dial them for you! ey are always there to help you when you need them. Call now and receive a FREE gift when you order. Try the Jitterbug Plus for yourself for 30 days and if you don't love it, just return it for a refund1 of the product purchase price. Call now � helpful Jitterbug experts are ready to answer your questions. Available in Silver and Red. Call now and receive a FREE gift just for ordering. Hurry...this is a limited time offer. Call now! Jitterbug Plus Cell Phone 1-888-812-5815 www.jitterbugdirect.com Call today to get your own Jitterbug Plus. Please mention promotional code 44925. 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 service is not available everywhere. Other charges and restrictions may apply. Screen images simulated. There are no additional fees to call Jitterbug's 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 than 30 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 � 2012 GreatCall, Inc. Copyright � 2012 by firstSTREET for Boomers and Beyond, Inc. All rights reserved. 47537 We proudly accept the following credit cards. National Debt Crisis continued from pg. 31 become ever more dire. Yet, we are told, the situation can somehow be salvaged if rich and productive nations will merely fork over more of their hard earned money to regions that are less affluent. Rarely mentioned however is that given the prevailing mindset among so many Europeans, the will may no longer exist to take the necessary action to avoid total monetary ruin. Despite the profound differences that distinguish the United States and the European Union, certain disturbing similarities need to be considered. For instance, the ongoing effort to wrest greater sums of money from productive European nations and redistribute it among their poorer neighbors bears a grim similarity to the "class warfare" that has been fomented by liberal politicians in this country. Any Americans who have been sensible enough to accumulate a "nest egg" for retirement now qualify as the hated "rich," and are increasingly considered as targets of collectivist redistribution. Worse, if liberals get their way, such people will not only be robbed of their earnings, they will thereafter be consigned to dependence on a system that is doomed to failure. And if anyone doubts that their national leaders could so thoroughly betray the people, consider the manner in which the Social Security Trust fund was systematically pillaged, beginning with the Administration of Lyndon Johnson, as a means of financing the monstrous growth of government, despite the risk to future recipients posed by such action. For some time, liberals have longingly eyed Roth IRA and 401(k) retirement plans which they also regard as enormous stockpiles of revenue to be plundered and absorbed into public coffers. In like manner, the war on banks (as embodied in the venom of the "Occupy" movement) is not directed at bankers, but at every citizen who responsibly seeks to save in such institutions. Also, in the last few years, we have been confronted with outrageous state level spending excesses and burgeoning deficits in places such as California and New York, where liberals overwhelmingly dominate the legislatures. Yet the political leaders in those states increasingly expect the Federal Government to bail them out, which ultimately means that the rest of America has to pay their bills so they can continue their spending binges unabated. And any mention of cutting budgets, or even restraining their exponential growth, is immediately met with threats of severe retribution against office holders advocating such measures. The voting constituencies in this country who have been conditioned to expect a handout from the government and regard public "assistance" as their inherent right are no more likely to turn back from the precipice of financial disaster than are the rioting hordes in the streets of Athens or Madrid. At so precarious of a juncture, the worst possible course of action would be to drop a ticking, multi-trillion dollar time bomb on the national economy. Yet that is exactly the inescapable effect that Obamacare will have on America, if it is not completely repealed by the next Congress. Now that Chief Justice John Roberts and the other activist judges on the Supreme Court have invented a new judicial gauntlet by which any new extra constitutional government action can be validated on the basis of being a "tax," Obama has been given the green light to inflict his destruction on the nation. So in the wake of such treachery, total repeal is now the only saving recourse available to America. It has become inarguable that this nation's financial system is in decline and approaching a breaking point. Nevertheless, the Obama Administration summarily rejects the only course to recuperation, which is to severely curtail the scope and cost of government, while aggressively removing the innumerable bureaucratic roadblocks that prevent the private sector businesses across the nation from reinvigorating production, and thus reviving the economy. Instead, these ideologically blinded liberals continue to stump for more government "stimulus" programs, though this approach has always yielded abysmal results, since it invariably robs the private sector economy of needed financial impetus, and thus can only guarantee a continuation of economic malaise. Fortunately, Americans are becoming more aware of the realities they face. And, as indicated by several very encouraging recent events such as the stunning victory of Republican Governor Scott Walker in the June 5 Wisconsin recall election, if the message of responsibly managing government finances is vigorously and plainly presented to the voters, they will overwhelmingly opt for a proper course correction. This fall, America will decide between two markedly different directions for its future. Democrat incumbent Barack Obama has unmistakably telegraphed his intentions to maintain the devastating program of increased bloat and expansion in every facet of government, which will only be aggravated by the additional crushing burden of socialized medicine, leading inexorably to the eventual collapse of the economy under the debt that will accumulate. In contrast, Republican challenger Mitt Romney has not only shown that as a businessman he has the ability to operate within his means, but he has succinctly explained his desire to return the ultimate economic power in this nation to the people, who historically are best suited to provide for themselves. It may seem trite to invoke the overused declaration "Elections have consequences." Yet in consideration of the financial cliff on which the nation currently teeters, it is accurate to assert that this November's presidential election will be more consequential than any other in well over a century. 36 | www.amac.us F va lue GI REE d FT at $3 5 Revolutionary Emergency Alert Technology... This medical alarm may save your life when others can't Lifeline with AutoAlert is the only Medical Alarm pendant that can automatically call for help if a fall is detected. 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Call now phone land line. Then, you wear the an added layer of protection. and find out how you or a loved one AutoAlert pendant. If you experience Luckily for Arlene, her doctor can get this added layer of protection any kind of emergency, from fires to had recommended Lifeline with to help you stay living independently falls, a break-in or even just shortness AutoAlert. This revolutionary system in your home. of breath, press the button and it features the only Medical Alarm calls the Lifeline Emergency Response pendant that can automatically call Center. If you fall and can't press the Lifeline's state-of-the-art response Call now and receive Free button for any reason, AutoAlert with center, if it detects your fall. Then equipment, Free activation, advanced fall detection technology if you need help or can't respond, can automatically call for you, even if expert emergency response operators Free shipping and a Free gift � you can't. Lifeline Response Center quickly call friends, family or local valued at $35. Associates are trained to assess the ambulance, police or firefighters to situation and will summon help quickly. summon help... quickly and reliably. Simple, Reliable, and Affordable Lifeline Long-Term Contract NONE Activation/Equipment FREE 35 Years of Experience YES FDA registered YES Lifetime Warranty YES Automatic Fall Detection YES Recommended by � over 65,000 healthcare professionals Competition Some up to $300 No No Some No No YES *Button range may vary based on range test in and around your home. **AutoAlert does not detect 100% of all falls. If able users should always push their button when they need help. Copyright � 2012 by first STREET for Boomers and Beyond, Inc. All rights reserved. 80475 Don't wait another minute... call now! firstSTREET is proud to offer Lifeline with AutoAlert at a special introductory price. 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Feel better in 90 days or your money back. Thousands sold for $389.95 Now Only $359.95 Kansas residents add 8.2% sales tax. Use code H700 when ordering and receive FREE shipping in the lower contiguous 48 states. Do you have trouble getting down on the floor? The Clark Exerciser Elite� Table is specially designed to use with the Exerciser Elite� and is sold separately. Free shipping does not apply to this item. Save on reconditioned units when available. Affiliate Program Available Now! Call or visit our site for more info. Family owned since 1959 240 Berg Road � Salina, KS 67401 A+ Rating �2012 Clark Enterprises 2000, Inc. Price, terms and conditions subject to change without notice. These statements have not been evaluated by the FDA. Not intended to treat, cure or prevent any diseases. www.clarkenterprises2000.com 800-748-7172 David Limbaugh Talks `The Great Destroyer' continued from pg. 10 Americans along race, gender, sexual orientation, economic class or religious lines. Obama has deliberately tried to do so � and is continuing to do so, on steroids. Just a few weeks ago, Obama lamented that he would like to implement changes to the immigration law through executive order and administratively because he couldn't get Congress to pass his beloved Dream Act, or "comprehensive immigration reform." Then he must have had an epiphany that Americans were no longer buying into his propaganda and excuses and that he was going to have to switch gears and change his course if he had any chance to be re-elected. So he issued an executive order to stop deportation for socalled "Dreamers" � as many as 800,000 illegal immigrants, and immediately demonized Republicans as bigots for forcing him to go around Congress. It has apparently become clear to him that his best chance of winning is to rev up his core constituencies, and this was just one way he went about doing it. Not too many months before, he had done the same thing by finally coming out for same-sex marriage, which he had pretended to be against since his campaign, despite having been on record at least as early as 1996 as having supported it. You will also recall the bogus war on women he attempted to fabricate not long before that. And we're all painfully familiar with his constant invocation of the race card, and his pernicious use of class warfare � always appealing to our baser human instincts. He needs to drive voter turnout of his base, and so we should expect to see other such tactics between now and November. I don't believe his efforts will be successful and I think Mitt Romney, to counter them, should stay focused on Obama's record � emphasizing not just the economy, but our imminent national financial crisis and Obama's refusal to participate in its solution. But Romney also needs to articulate a positive, optimistic vision. He shouldn't just tout his business credentials. He should also articulate an uplifting "rising tides lifts all boats" vision, and he should sharply contrast that vision with Obama's record. He will win if he avoids the fecklessness that characterized John McCain's 2008 campaign and if he will take the gloves off and be unafraid to tell the American people just how grave our current financial and economic situation is and how indescribably horrible Obama's policies have been and will continue to be. He needs to be very clear that if Obama is re-elected, our kids and grandkids can kiss America goodbye � at least the America we have known. Accuse me of hyperbole if you choose, but then the burden shifts to you to explain how Paul Ryan's forecast is fallacious and how there is any reasonable likelihood that Obama, if re-elected, will do anything to avert that nightmare forecast. Quit being afraid to state the truth for fear that you'll look like a wild-eyed extremist. The truth warrants such alarm � and passion in communicating it. Bila: You end The Great Destroyer on a note of mixed optimism: "It is still not too late to save America and restore her to a path of greatness, of robust liberty, and of economic prosperity. But I fear it is not hyperbole to suggest that it very well may be too late if we don't end this madness in November 2012 by voting Barack Obama out of office." Despite Obama's consistently failing policies, polling suggests that he and Romney remain in a tight race. Does that concern you? And do you think the Supreme Court ruling to uphold Obamacare via taxing power will be a big problem for our President this election season? Or will he successfully spin that too? Limbaugh: I believe Obama can be beaten and beaten very handily � perhaps even by a landslide. I am optimistic that will happen and that when it does, with the help of grassroots conservatives as watchdogs, the Republican Party will implement reforms critical to saving the Republic, from entitlement reform to repealing Obamacare to tax reforms to major, major spending cuts in the short term and long term. They will also need to rebuild our military at the same time, which is another subject we haven't touched on, but it makes national financial reform that much more imperative. I do believe Obamacare 2, i.e., Justice Roberts' deplorable majority-led decision affirming Obamacare through specious reasoning and sophistry, will redound to the Republicans' benefit. Governor Romney happens to be poorly situated, as candidates go, to capitalize on this issue because of his own record with Romneycare. But as he has firmly pledged to repeal Obamacare, there is no reason he can't successfully capitalize on the Court's decision. It was an abominable decision in expanding Congress's power under the Constitution's taxing authority. The bill was not presented as a tax bill, but involved a penalty � not a tax � for failure to comply with the mandate. But Obama's lawyers pushed the alternative "tax" argument, and if you live by the sword, you must die by it. Therefore, Obama must be saddled now with Obamacare as a tax. The Court has spoken and it is a tax and it constitutes an enormous tax increase, including on the middle class. Obama owns this bill now as a tax. Romney must make him own it. If you'll recall, Obamacare was the single greatest catalyst leading to the Tea Party. This decision has resurrected the issue in a major way and will help galvanize the conservative grassroots to defeat Obama. This election is Romney's to lose. He must not blow it. I respectfully urge Governor Romney to take a page out of Governor Walker's playbook. As long as he does not allow himself to be intimidated by the propaganda and demonization, as long as he stands up to Obama's bullying and takes the gloves off and lands hard blows � persistently, by showing just how dangerous Obama's agenda is for America � and does it all with a spirit of restoring America's greatness, he will win resoundingly in America, and we can begin the path to national restoration. To read the full interview, please visit amac.us/david-limbaugh-talks-the-great-destroyer 40 | www.amac.us �2012 Media Services S-9128 OF25452R-1 Advertisement Media Services Get Rid of Hard Water Problems Without Expensive Water Softeners By: B. Michael John, Media Services Are you tired of hard water problems: unsightly scale on fixtures, toilet bowls and showerheads; scale build-up in pipes; poor lather from detergents and shampoos; clothes that look dingy and feel harsh after washing; hard-to-remove film on glass shower doors, walls and bathtubs; hair that feels sticky and looks dull; dry, itchy skin; soap scum on sinks and appliances? If you answered "yes" to any of these questions, you are the perfect candidate to try the ScaleRID Electronic Hard Water Treatment System in your home for the next 120 days. If you don't get RID of your hard water problems, you will receive a complete refund. But that won't happen because ScaleRID is one of the most advanced, effective electronic hard water treatment systems you will find for such a low cost. It's also the easiest to install. Q. But how exactly does it work? A. The ScaleRID, which is about 4" x 6" and weighs less than 3 pounds, treats hard water with a patented technology that induces variable electric fields with a continuously changing frequency. This field causes the dissolved minerals of calcium and magnesium to crystalize and remain in suspension, instead of adhering to the walls of piping, faucets or heating elements. These minerals, now in suspension, flow with the water and are discharged down the drain (see diagram and our ScaleRID white paper at www.usascalerid.com for more details). Q. How is ScaleRID different from saltbased water softeners? A. In a salt-based water softener, an ion exchange takes place and the hard ions in calcium and magnesium trade places with the soft ions from the salt poured into the tank used during regeneration. Most of the salt used for regeneration gets flushed out of the system. The process can be damaging to the environment, not to mention wasting 80-150 gallons of water a week or month and adding unhealthy salt to your water. Q. What makes ScaleRID so special compared to other electronic water treatment systems? A. International Home Shopping (IHS) just completed an upgrade of ScaleRID to make it: 1) the easiest to install; with our new exclusive Quick Connect Coil you can have your � SAVE $75 - $150 PER YEAR ON BAGS OF SALT ALONE � ride in P h t i w Made anton Ohio C h Nort Eliminate unsightly limescale and actually prevent it from forming ScaleRID up and running in about 10 minutes, 2) one of the most advanced; new computer chips replace integrated circuits to make the ScaleRID the most efficient device for its cost, 3) the least expensive; even with all our improvements, we lowered our prices so that everyone with hard water problems can get RID of them simply, safely and inexpensively. Q. Without regeneration, how will I know the ScaleRID is working? A. You will get the most important benefit: you will not be bothered by hard water problems. Within the first week, you will see the elimination of new scale deposits and loosening of existing scale. Soap will lather easier; your skin will feel softer and your hair cleaner and more manageable. You will notice the reduced amounts of soap, shampoo, detergents and cleaners you need to use to get jobs done. Cleaning of surfaces, especially chrome, baths and sinks will be easier. Your water pressure may improve without scale clogging your pipes. Q. This sounds too good to be true; does ScaleRID really work? A. The science behind ScaleRID has been around for years. There are hundreds of thousands of units operating in 40 countries. But thanks to IHS, everyone can now utilize this science because ScaleRID is so easy to install, so efficient and effective and so reasonably priced. NOTHING. Just think how you'll enjoy not lugging those salt bags around, but still getting rid of hard water problems. How To Order The ScaleRID SR-2000 for very hard water is regularly $497 plus $10 shipping. For the next 10 days you receive a $250 discount, over 50% off, plus FREE shipping and pay $247 delivered. The ScaleRID SR-1000 for hard water is regularly $197 plus $10 shipping. Over the same time period you receive a $50 discount and FREE shipping and pay only $147 delivered. For more information or to start your 120Day ScaleRID No Risk Challenge call toll-free or go online at www.usascalerid.com. Quick Connect Coil attaches in seconds around water pipe. Works on copper, PVC, galvanized pipe. ScaleRID How It Works � Install in 10 Minutes - No Plumbers � No Maintenance � The system consists of the energizing unit and a Quick Connect Coil that simply snaps around the pipe of the incoming water supply. � The 21st century way to eliminate limescale and hard water problems in city water and well water. � Unit weighs less than 3 lbs. No more big tanks and heavy salt bags to lug around. Satisfaction Guara nte 120-Day Home Tri e al 10 0% Complex Signal Field Incoming water saturated with calcium and other mineral ions in solution. Solution less saturated with calcium and able to dissolve existing scale. ScaleRID vs. Salt-Based Water Softener Comparison Pipe Before ScaleRID Pipe 4-5 weeks of ScaleRID use Non-Paid ScaleRID User Testimonials The ScaleRID has helped my plumbing tremendously. It has cleaned out the build-up on all my faucets. There is no more residue on my sink... and most importantly, not in my coffee pots. I am a very satisfied customer. Mrs. Wagner, WY The product is very wonderful. There is no more build-up on my shower heads. They are no longer plugging up ...from all the years of build-up. I have only had the product for several months, however I am very satisfied. Mr. Finch, WA Our water is much cleaner and we get more suds when we do laundry and dishes. Also, the unit was very easy to install. I would recommend this unit to many more friends. M. Sousoures, NV ScaleRID Cost Maintenance under $150 none Salt-Based Water Softener $400 - $1,800.00 constant maintenance salt-based ion exchange professional NO NO YES 80-100 gallons per week makes skin dry soap suds difficult to remove exchanges minerals with sodium Q. What is the difference between the Treatment Method electrical field SR-1000 and the SR-2000? The big difference is that the ScaleRID SR- Installation 10 minute do-it-yourself 1000 is for moderate to hard water and comes Scale Removal YES with one Quick Connect Coil. The ScaleRID Scale Prevention YES SR-2000 is for very hard water or for homes/ NO duplexes with large water usage and comes Back Flush with two Quick Connect Coils. Skin Test makes skin softer You cannot afford not to try ScaleRID in Soap Test soap suds wash away your home for 120 days. If it's not for you, leaves in Health Benefits essential minerals return it for a complete refund. YOU RISK CALL 1-800-555-1659 � Offer Code SCA326 � www.usascalerid.com "The Golden Heart of Alaska" D.J. Wilson F airbanks, Alaska was founded in an interesting manner in August of 1901, by Captain E.T. Barnette who was traveling aboard a steamboat headed to nearby Tanacross to set a trading post. Instead of arriving at their destination, the steamboat ran aground while in shallow water. Barnette and his party found themselves left along the banks of the Chena River with their supplies. Prospectors working in the north hills noticed smoke from the steamer's engines and came down. They convinced Barnette of the potential of the area and he set up a trading post at the site. In 1902, an Italian immigrant by the name of Felix Pedro made the discovery of gold and the town became incorporated one year later by a 75% majority vote. As early as 1905 the city had a power plant, electricity and sewer services. There was also a school, police and fire headquarters, one hospital and one three-story building. The settlement was named after a Republican Senator from Indiana, Charles W. Fairbanks, who later served as Vice President of the United States under Theodore Roosevelt during his second term. This was at the urging of E.T. Barnette, who became the first Mayor of the City of Fairbanks. Fairbanks had its share of floods from ice jams and heavy rainfall. The original bridge across the Chena River stood on wooden pilings and was often washed out before a permanent bridge was built at Cushman Street in 1917. Fairbanks is described as "The Golden Heart of Alaska" due to the discovery of gold and the great nature of its people. Fairbanks, located 188 miles south of the Arctic Circle, began as a major producer of agricultural goods. Paul J. Rickert owned and operated a large farm until his death in 1938. Early roads were established and many were named after prominent local farmers. Despite food production efforts, agriculture in the area was not able to sustain the population, though it came close at times. The building of Ladd Army Airfield began in 1939, under the direction of the federal government during the New Deal and World War II, which helped to boost economic and population growth. The presence of the U.S. Military has remained steady in Fairbanks. In the 1960s, Ladd Air Force Base became Fort Wainwright. In 1967, a record rainfall caused the Chena to surge over its banks 42 | www.amac.us and flooded almost the entire town of Fairbanks overnight. This led to the construction of the Moose Creek Dam and an 8 mile long spillway, which diverts water away from the city. 1969 was the year in which the trans-Alaska oil pipeline began construction. Today, Fairbanks is the largest interior city in the state of Alaska. With a diversified economy due to oil, gas, gold, coal mining and tourism, coupled with a military industry and educational opportunities from the University of Alaska, Fairbanks has developed into a vibrant place to live and explore. With a population of 31,000, and 97,000 when including the Fairbanks North Star Borough, the city has seen tremendous growth since its humble beginning. Serving as a hub to Alaska's Arctic and Interior, the city welcomes tourists from all over the world. People of the globe enjoy traveling to this destination to observe Alaska's beauty and unique topography, and to experience the magnificent Northern Lights, the Aurora Borealis. This spectacular event occurs in colder months, with spring and fall the optimal viewing times. Summer is a lovely time to visit as the sun doesn't set during the summer solstice, leaving long summer days. While Alaska carries the reputation for cold and harsh winters, with some days dipping to 65 degrees below, it can get as hot as 90 degrees in the summer. The warm weather and sun provide opportunities for locals to garden and enjoy the temperate season. The shortest days of winter leave less than three hours of sunlight, fitting the description "Land of the Midnight Sun." The Golden Heart of Alaska is also affectionately called "The Last Frontier" due to its charm and country characteristics. It is centrally located and is described as "tiny villages scattered throughout wilderness." Fairbanks retains the "frontier" feel of days gone by and lies within the North Star Borough which is about the size of the State of New Jersey. It is also known as "The Land of a Thousand Smokes" due to past and active volcanic activity of 140 volcanos and from earthquakes. The diversity of the land is quite striking, from magnificent mountains, quaint waterfalls, flat and treeless tundra, winding rivers, stunning glaciers and even hot springs. The city of Fairbanks is situated 358 miles north of Anchorage via the Parks Highway. Its proximity to Mount McKinley and Denali Park, located roughly 120 miles south of Fairbanks, make the town a natural part of the unique Alaskan experience and a must-see location for travelers. It is a worthwhile place to visit, filled with great history from its gold rush past to its magnificent present. Please enjoy the story below as experienced by a young lady who once called Alaska "home" shortly after her marriage in the 1950's. Dorothy's Story - Memories of Alaska In the fall of 1951, a young bride named Dorothy Wilson joined her new husband Bob who was on duty in the armed forces. Departing Milwaukee, WI, she spent her 21st birthday on the train to Seattle where she then boarded a propeller Pan-Am airplane headed for adventure in the rugged yet beautiful state of Alaska. Dorothy sat beside an elderly lady who warned her not to speak to the friendly and social young soldiers who were seated across from them, probably headed toward Korea. This was the first time Dorothy traveled alone. Married in May of the same year, she feared her husband would be going overseas. At this time, the Korean War was happening and the only information Dorothy received was that Bob would soon be heading west. In August, Bob departed and Dorothy kept busy working at the West Allis State Bank. They wrote letters to each other practically every day and she was thrilled when a letter arrived from him which asked "Wouldn't you like to come to Alaska?" Dorothy learned that Bob had traveled to the West Coast and arrived in Alaska via a rocky boat journey and was anxiously waiting for her to join him. The young and strikingly beautiful Dorothy was eager to see her husband. Bob was stationed at Ladd Air Force Base as an office clerk for the 4th regiment, a well-respected unit in the Army. He came in as a National Guard and due to his talents was assigned to the infantry and shortly after became a Corporal. Before Dorothy arrived, continued on pg. 44 www.amac.us | 43 "The Golden Heart of Alaska" continued from pg. 43 Bob had some time off and he began to explore the town of Fairbanks. He observed a man constructing a brand new motel and wasted no time asking to reserve the first unit. This was to be their home in Alaska, but temporary housing was required until construction was completed. For their first six weeks in Alaska, Bob and Dorothy lived at Honest John's Trailer Camp with shared showers and toilets in the middle of a courtyard, quite an experience for a newly married couple. The military presence in Fairbanks made an impression on Dorothy. At that time, the town was quite small, rather like a rugged frontier town. Dorothy recalls there was one main street named Cushman with numbered cross streets. Few roads were paved and those which were not remained muddy. She remembers a log cabin on the main road that looked like it was falling down. Everyone knew it was the prospector's place. There was one caf� open 24 hours named the Model Caf�. It was one block long with entrances on either side. Of course, they lived off base and received a living allowance which wasn't much. It was not in their budget to eat out often, so Dorothy learned to cook. Dorothy remembers writing her mother to ask questions about how to roast a chicken and was anxious to receive her Mother's cooking advice, which usually took a couple of weeks. Her first attempt at making a pie crust practically left her in tears, while her husband did all he could to hold back laughter. Fortunately, her baking skills greatly improved over time. Bob and Dorothy occasionally "splurged" by going to the Nevada Kid Market where one could buy rather expensive imported fresh fruit. Dorothy adapted to life in Alaska quickly, despite experiencing an occasional bout of homesickness. Within a short time of arriving in Fairbanks, she put her skills to work by accepting a job as a bookkeeper at the 1st National Bank of Fairbanks. Later she became a teller which she greatly enjoyed as she got to meet much of the town's folks, from dance girls to members of the squadron club. Dorothy walked to and from work as they did not own a car. The women wore pants instead of dresses most of the time due to the weather and muddy road conditions. When a second bank opened in town, The Bank of Fairbanks, an occurrence happened as a result of a permafrost disturbance. The building shifted slightly and on their grand opening day, the new bank couldn't get the vault open. Dorothy remembers officers from the new bank coming into her bank to borrow money. The banks were about three blocks apart. Once a month, when the banks vaults were being filled for payroll, armored half-tracks parked outside the bank as a show of military security. Bob and Dorothy also walked to and from church on Sundays. The ski jacket and pants her parents gave her as a gift came in handy and she remembers walking across the bouncy wooden footbridge in order to get to church. You could always tell who walked to church versus who had driven, for the ones who walked had frost around their face and eyebrows from breath- ing. Dorothy describes the church as wooden and picturesque with a single steeple. The unparalleled beauty of the scenery remains forever embedded in her memories as she recalls the charm of the church and splendor of the Alaskan countryside. The couple enjoyed the camaraderie of the soldiers and their wives, and many became friends. Prior to pay-day, couples would get together to share what was left of their "bottles" and to celebrate. In their free time, they played cards with friends and read. Though they lost power often, they listened to one of two radio stations in town. Dorothy also enjoyed sewing and baking and she and Bob entertained soldiers from the base almost every Sunday for dinner. Their living room had only one couch, one chair, and their kitchen table was only big enough for two. This made them improvise by making extra chairs by piling up the couch cushions to accommodate guests. From time to time, they stopped to visit a friend who was moonlighting as a bartender. One time, while Dorothy was still working, Bob stopped in to see their friend. A couple got into an argument and the man pulled out a gun and began firing it around the bar. People dove under tables and Bob ducked behind the bar. Later when things had calmed, he brought Dorothy to the bar to show her the bullet holes. On another occasion, Bob's friend discovered his heavy army overcoat "went missing". They were very expensive to replace and greatly needed for warmth. Luckily, his friend discovered it for sale in Honest John's Thrift Shop, his numbers inside, and got it back "without incident". Generally, things were not that wild in town. Dorothy recalls an adventure she and Bob took with neighbors who owned a car. They drove pretty far and met an old miner who was prospecting for gold. Despite his knowledge and respect of nature, they later learned he was killed by a moose. Perhaps one of the most memorable trips they took was to breathtaking Mount McKinley. They enjoyed snowshoeing amongst the beautiful white snow-covered pines and recalls hearing people make bets on when the ice would go off the rivers. In fact, she recalls seeing a timer on a stick placed on the river to accurately tell. Another fond memory was watching dog sled races on the beautiful ice-covered Chena River. After Bob completed his two years of service, he did not wish to re-enlist. Instead, he sent Dorothy back to Wisconsin slightly ahead of himself, as she was expecting their first child. Despite a change of planes due to engine trouble, Dorothy eventually arrived en route to their next home aboard a luxurious Northwest Stratocruiser. Bob drove and when they met up, they began a new life in Milwaukee and later settled in Bethlehem, Pennsylvania to raise their family. Though time has passed, memories of special days spent in rural Fairbanks are carried in Dorothy's heart. This article is dedicated in memory of Bob Wilson. 44 | www.amac.us Puzzle Solutions Puzzles on pg. 54 Understanding Medicare Enrollment Periods continued from pg. 12 Medicare 102: Supplements (Medigap Policies) Open Enrollment: This is the 6 month period after your part B effective date when you can enroll into a Supplement without being underwritten. Keep in mind you have a pre-enrollment period of 6 months before your part B effective date in which you can apply for a supplement without being underwritten. This is similar to an SEP in which special circumstances will allow you to enroll into a Supplement without being subject to underwriting. Keep in mind that your premiums can be higher due to your age at the time of enrollment. Guarantee Issue Period: www.amac.us | 45 Kathie's Kitchen Turn Over a New Leaf F resh herbs have long enjoyed a place of importance in the hearts of cooks. They are, without a doubt, the most versatile culinary ingredient on the planet. Fresh herbs add Use a sharp knife when cutting fresh herbs. A dull one will crush and bruise the herbs. Scissors also work well when chopping chives or snipping off tender leaves. rich and savory flavors to foods, perking up and adding depth to meats, vegetables, seafood, poultry and soups. They are a quick, healthy and fat-free way to add spice to everyday meals without adding additional sodium and calories. Do you have leftover fresh herbs? Fill an ice cube tray with finely chopped herbs and pour water over just to cover. Freeze until solid. Pop frozen cubes into a freezer bag. Place into the freezer until needed. In most recipes, you can very easily substitute fresh herbs for dry herbs by using about 3 times the amount � 1 tsp. dry equals 1 Tbs. fresh. Buy herbs with vibrant color and aroma. Avoid those that are limp, yellowing, have black spots or don't smell totally fresh. Fresh herbs can also be dried for later use - Remove leaves from the bottom inch of each stem. Bundle several stems together with string or a rubber band. Hang upside down in a warm, airy room. When completely dry, crumble the leaves into jars. To store - Trim unwashed herb bunches. Wrap in a damp paper towel and slip into a plastic bag filled with a little air to prevent crushing. Place in the refrigerator crisper drawer. Wash when ready to use. Herb butters are one of the most wonderful treats you can make with herbs. Combine 1 stick of softened butter with 1 tsp. lemon juice and 2 Tbsp. fresh chopped herbs of your choice. Transfer the mixture to a piece of waxed or parchment paper and roll into a log. Refrigerate until firm. Slice and serve with corn on the cob, Italian bread, steamed vegetables, baked potato, fish fillets or cooked pasta. 46 | www.amac.us Roast Pork with Mustard, Sage & Maple Glaze 1 Tbs. olive oil 1 medium onion - diced 4 cloves of garlic � chopped 1/3 cup of coarsely chopped fresh sage 1/2 cup Dijon mustard 1/2 cup pure maple syrup (not imitation) 1 Tbs. soy sauce 1/4 tsp. salt Pinch of pepper 3 lb. boneless pork loin roast salt & pepper Prepare glaze: Heat oil in a small pan over medium heat. Add onion & garlic and cook, stirring frequently, until softened � about 5 minutes. Cool slightly. Combine onion / garlic mixture, sage, mustard, maple syrup, soy sauce, salt and pepper in a blender and puree until smooth. Set aside. Preheat oven to 450�. Season pork with salt and pepper and allow to sit at room temperature while oven preheats. Roast pork in the center of the oven for 30 minutes. Cover the pork with prepared glaze. Reduce oven temperature to 350� and continue cooking for an additional 30 minutes or until the internal temperature reaches 150�. Transfer to a cutting board and allow pork to rest for 15 minutes before carving. Serves 6. New Potatoes with Garlic & Thyme 2 � 2 1/2 lbs. red new potatoes � halved 1/4 cup olive oil 4 � 5 cloves of garlic � halved 1 Tbs. chopped fresh thyme 1 tsp. salt 1/2 tsp. pepper Chopped parsley - optional Preheat oven to 375�. Fill a large pot with water and bring to a boil. Add potatoes. Bring back to a boil, reduce heat slightly, cover partially and cook for 5 minutes. Drain. Combine cooked potatoes with olive oil, garlic, thyme, salt and pepper. Toss well. Arrange in a single layer on a baking pan. Bake 25 � 30 minutes, turning several times, until tender and golden. Sprinkle with parsley, if desired. Serves 6. Create herb-infused oils to use in vinaigrettes, as a bread dip or drizzled over cooked vegetables - In a small saucepan over medium heat, heat 1 cup of olive oil along with 5 sprigs of thyme or 2 sprigs of rosemary until bubbles appear around the edge of the pan. Cool completely. Store in the refrigerator for up to 3 months. Butternut Squash with Rosemary & Shallots 3 cups butternut squash � peeled & cut into 3/4 inch dice 4 medium shallots � peeled and quartered 2 Tbs. olive oil 1 tsp. chopped fresh rosemary 1 tsp. salt 1/2 tsp. pepper 1/2 tsp. sugar Preheat oven to 450�. Place squash and shallots on a rimmed baking sheet. Drizzle with oil and toss to coat. Sprinkle with rosemary, salt, pepper and sugar. Roast for 20 minutes. Stir, and continue roasting for an additional 10 - 15 minutes or until tender. Serves 4. Make rosemary skewers by stripping the leaves from stout, woody rosemary branches. Cut one end at an angle to form a sharp point. Thread vegetables and meats onto the skewers for grilling. Add a handful of fresh, mixed herbs to leftover white wine. Use as a marinade for chicken or fish. Think beyond lettuce � adding coarsely chopped herbs to a salad adds great flavor and color. Dill, basil, mint and parsley are especially delicious. www.amac.us | 47 AMAC in Action SCOTUS Ruling � Dan Weber Speaks at Press Conference on Capitol Hill about issues that could adversely affect our members so that we can act quickly; and making suggestions as to how AMAC can better serve its members. The AMAC Political Action Team organizes, facilitates and processes petitions, polls, rallies and press conferences. The committee stays active in Washington, in the media and at political conventions to bring attention to issues that affect seniors and conservative Americans nationwide. AMAC Columnist Jedediah Bila Appears on FOX News AMAC columnist Jedediah Bila has become a regular guest on Fox News and Fox Business, including such shows as Hannity, FOX & Friends, Red Eye w/ Greg Gutfeld, Varney & Co., America's Nightly Scoreboard, Follow the Money, America's Newsroom, and Lou Dobbs Tonight. Jededia's television appearance schedule can be found at www. jedediahbila.com. Dan Weber, AMAC's president, was invited to speak at a news conference outside the US Capitol on June 28, 2012. The News Conference was held by the "House GOP Doctor's Caucus," a group of 21 doctors and medical professionals who are Republican members of the U.S. House of Representatives. These elected officials responded to the Supreme Court decision on ObamaCare, and presented their plans to replace ObamaCare with positive improvements to our Health Care system. Dan appeared at the podium with over 60,000 petitions to repeal ObamaCare signed by AMAC members. AMAC Ambassadors hand delivered the petitions to representatives of each congressional district the following week. Health Care Workshops Launched The AMAC Health Care Workshops have been launched in an effort to share information and ideas from qualified persons to make positive proposals to improve our Health Care System. Our goal is to formulate methods that will restore the power of medical professionals, hospitals and other private sector parties and to reduce the role of government. To participate in the workshops please visit www.amac.us/ healthcareworkshops. New Member Services Call Center Opens As part of ongoing efforts to better serve AMAC members, a state-of-the-art call center has been opened in Lady Lake, Florida. The new facility will also headquarter the AMAC Ambassador Leadership Program and the AMAC Political Action Team. AMAC Ambassadors are volunteers who work to strengthen AMAC through various functions including: introducing AMAC to family, friends, civic groups and senior groups; developing local chapters where members can gather, share and socialize; keeping AMAC informed 48 | www.amac.us GOV'T ISSUED GOLD COINS EXCLUSIVE AT-COST OFFER announces the final release of 2,500 congressionally authorized, fully backed by the U.S. Government, completely free of dealer mark up, $5 Gold American Eagles at the incredible price of only $169.00 each. AND US T N ATIONWIDE C OIN B ULLION R ESERVE I f you had $25,000 in gold in 2001 at $290 per oz you would have over $100,000 at today's gold prices. Numerous experts are now predicting gold at $5,000 an ounce. Your $25,000 could be worth $125,000 in the near future. This at-cost offer for American citizens may be your final opportunity to own government gold free of dealer mark up. Due to extremely limited supplies we must adhere to a strict limit of ten coins per household. Nationwide Coin and Bullion Reserve has set these beautiful U.S. Government gold coins for immediate public release and cannot guarantee sufficient inventory to supply current demand. This at-cost public offer will sell out immediately. Overage orders may be cancelled and your checks returned uncashed. Ordering now may be your last chance to own these magnificent government issued gold coins at this level. Order now to avoid disappointment. MINIMUM ORDER 5 COINS Prices subject to change due to fluctuations in gold market. Prices will remain at dealer cost. IN GO D W TR SPECIAL ARRANGEMENTS NOW AVAILABLE FOR ORDERS OVER $25,000 E Final Release 1.877.817.12 20 CHECK 24 HOURS A DAY � 7 DAYS A WEEK KEY CODE: MAC-120902 Coins enlarged to show detail. Did You Know? Swallowed Batteries Button batteries are good for electronics but very bad for kids. Researchers report more than 5,500 battery-related emergency department visits in 2009 by people under age 18. Children ages 5 and under accounted for more than three quarters of them. Button batteries can burn a hole in the esophagus in less than two hours. At the Center for Injury Research and Policy of Nationwide Children's Hospital in Columbus, Ohio, Dr. Gary Smith says, "If a parent or grandparent thinks that their young child has swallowed a button battery, they need to go immediately to the emergency department to have an X-ray done. They need to tell them that they think it's a button battery because the clock is ticking." The study in the journal Pediatrics was supported by the Centers for Disease Control and Prevention. Government Watch By Fido - your government watchdog Obamacare Hurts Seniors THE OBAMACARE LAW contains 20 new or higher taxes on American families and employers. Many of these tax increases fall on families making less than $250,000, a direct violation of candidate Obama's promise not to raise "any form" of taxes on these families. Out of the 20 new or higher taxes in Obamacare, here are the five that most hurt seniors: 1) individual Mandate excise tax penalty. Many seniors face a coverage gap between retirement and Medicare eligibility. Obamacare raises taxes on these younger seniors by punishing them if they don't purchase "qualifying health insurance." Taking effect in 2014, the excise tax penalty for mandate noncompliance will in 2016 rise to 2.5% of adjusted gross income for a senior couple (or $1390 for those making less than $55,600). Obamacare raises taxes on seniors just as they are entering retirement. 2) "Cadillac Plan" excise tax. Starting in 2018, Obamacare imposes a whopping 40% excise tax on high-cost health insurance plans. This is defined for seniors as a plan whose premiums exceed $29,450 for a family plan, or $11,500 for a single senior. Seniors often face higher costs in health insurance premiums due to chronic health conditions. This tax almost exclusively falls on seniors with the greatest health insurance needs. 3) Dividends tax hike. Starting in 2013, the top tax rate on dividends is scheduled to rise from 15% today to 39.6%. In addition, Obamacare imposes a dividend "surtax" of 3.8% on families making more than $250,000 per year. That would create a top dividend tax rate of 43.4%, nearly triple today's rate. According to IRS data, 70% of households over age 55 receive dividend income. 71% of all dividends paid flow to these households. To raise taxes on dividends is to raise taxes on seniors. 4) Medical device excise tax. Obamacare imposes a new excise tax on medical device manufacturers in 2013. These companies will surely build the cost of this new tax into the price of what they sell. Who buys pacemakers, wheelchairs, and other costly medical devices? Seniors do. 5) Reduce allowable medical itemized deductions. Under current law, medical itemized deductions can be claimed on tax returns, but they must be reduced by 7.5% of adjusted gross income. Obamacare increases this "haircut" to 10% of AGI in 2013. This means that millions of Americans claiming itemized medical deductions will no longer be able to do so. IRS data tells us that 60% of all tax returns claiming this deduction belong to those over age 55. Berlin Wall Speech Context We have just passed the 25th anniversary of Ronald Reagan's famous "Mr Gorbachev, tear down this wall!!" speech. For Reagan, the Berlin wall symbolized the brutality of Communist dictatorship and the unjustSource: Wikimedia (public domain) ness of the post war division of Europe. The speech was not Reagan's first confrontation with the Berlin wall. In speeches throughout the 1960s and 1970s, while other administrations concerned themselves with detente and peaceful coexistence (or increasingly, Vietnam), Reagan consistently preached against that "dreadful, gray gash" that ran through the center of Berlin. When the State Department repeatedly removed the words "Mr Gorbachev, tear down this wall!" as too controversial, Reagan consistently wrote them back in. Seen in this context, Reagan's speech takes on significance as a watershed event in the history of the Cold War. 50 | www.amac.us Never Step Over That Dangerous Tub Again! A re you or a loved one still navigating the tall side bathtub or even worse, have you been forced to stop showering altogether? Well, at TubtoShower.com we have developed a solution that creates a safe and secure walk in shower. It is a beautiful upgrade to the bathroom and the best news of all is the cost of the E/Z Step Tub to Shower Conversion is 55% to 60% less than a traditional walk in shower remodel. 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Doctors have found it can shrink tumors and treat allergies, Alzheimer's, asthma, clogged arteries, diabetes, digestive problems and migraine headaches. Smart consumers nationwide are also discovering there are hundreds of health cures and home remedy uses for hydrogen peroxide. A new book called The Magic of Hydrogen Peroxide is now available that tells you exactly how to use hydrogen peroxide by itself... and mixed with simple everyday kitchen items... to make liniments, rubs, lotions, soaks and tonics that treat a wide variety of ailments. It contains tested and proven health cures that do everything from relieving chronic pain to making age spots go away. You'll be amazed to see how a little hydrogen peroxide mixed with a pinch of this or that from your cupboard can: � Relievethepainofarthritis,rheumatism andfibromyalgia � Treatathlete'sfoot � Clearupallergiesandsinusproblems � Soothesorethroats � Fightcoldsandflu � Helphealboilsandskininfections � Whiten teeth without spending a fortune � Destroy harmful dental bacteria and heal gingivitis � Helphealcoldsoresandcankersores � Clearupfootandnailfungus � Relieve the sting and pain of insect bites � Soothesorefeet � Relieveearaches � Soothemuscleaches � Enableminorwounds,cutsandscrapes tohealfaster � Refreshandtoneyourskin � Clearupacne,rashesandagespots � Helphealyeastinfections � Andmuchmore Besides killing E. coli, hydrogen peroxide also destroys botulism, salmonella and other harmful organisms. It works by making viruses and bacteria self-destruct on the cellular level. Amazingly, for something so powerful, hydrogen peroxide is safe. 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The irate customer calling the newspaper office loudly demanded to know where her Sunday edition was. "Madam", said the newspaper employee, "today is Saturday. The Sunday paper is not delivered until tomorrow, on SUNDAY." There was quite a long pause on the other end of the phone, followed by a ray of recognition as she was heard to mutter, "Well, shoot, that explains why no one was at church either." How to Play: � � � � Fill in the empty fields with the numbers from 1 through 9 Every row must contain the numbers from 1 through 9 Every column must contain the numbers from 1 through 9 Every 3x3 square must contain the numbers from 1 through 9 Heard any good ones lately? Send them in! Please submit your joke by emailing firstname.lastname@example.org or mailing to Joke of the Month, c/o AMAC 5 Orville Drive, Suite 400, Bohemia, NY 11716. 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Discount Code: #1860452 - PIN: bapgold Pet Supplies & Medication Pet Meds: 1-800-738-6337 To become an AMAC member and enjoy our member benefits, join online at www.amac.us or call 1-888-262-2006. AMAC - The Association of Mature American Citizens, Inc. | 5 Orville Drive, Suite 400 | Bohemia, NY 11716 Keep your brain sharp ... with your spice rack! Blast your belly fat ... with breakfast! Smooth your skin ... with tomatoes! "Vinegar Can Do WHAT?" (By Frank K. Wood) If you want to discover inexpensive alternatives to hundreds of costly products, you need The Kitchen Table Book: 1,427 Kitchen Cures and Pantry Potions for Just About Every Health and Household Problem, an informative new book just released to the public by FC&A Medical Publishing� in Peachtree City, Georgia. Your refrigerator alone could be holding more healers than the drug companies' billiondollar labs! You won't believe what you can do with baking soda, bananas, and so much more! 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The first 100 orders will receive free priority shipping, handling, & insurance. ($7 Savings) Due to high demand there is a strict limit of three coins per household, availability is not guaranteed and price is subject to change. No dealers please. Spot Price - the daily quoted market price of precious metals in bullion form. 2 Over Spot Price Visit our free weekly Award-Winning Michael Fuljenz Metals Market Report online: firstfidelityreserve.com Follow Mike Fuljenz 1-800-336-1630 00 OFFER EXPIRES 10.21.12 FAMACRS0812 VAULT VERIFICATION 00 24 / 7 Check or Money Order Please read important customer disclosures on our website or that accompany products purchased, including arbitration agreement. Texas residents add 8.25% sales tax to orders under $1000.