Volume 5 Issue 2 by Mature Americans

VOL. 5 ISSUE 2 $2.95

Millions of Seniors Being Double Taxed on Social Security pg. 24

www.amac.us | 1

'%.5).% 5 3 '/6%2.-%.4 -/.%9

3AFE 3ECURE 0ROVEN 5 3 3ILVER $OLLARS

7HY 4HE 5LTIMATE 3AFE (ARD -ONEY IS 'OLD 3ILVER

-ORGAN 3ILVER $OLLARS

'OLD )NDIAN

0EACE $OLLARS

$UE 4O -ARKET &LUCTUATIONS

#ALL 4O #ONl RM !LL /RDERS 0RICES #OULD "E ,OWER OR (IGHER

/RDER 2OLLS 'ET &2%% 3()00).' 3PECIAL !-!# 3UBSCRIBER /NLY /FFER

2EGULAR EA

-IXED $ATES -IXED -INTS 0 $ 3 / $ATES /UR #HOICE %XTREMELY &INE #ONDITION

&OR ! 2OLL /F ,)-)4 2/,,3

3PECIAL !-!# 3UBSCRIBER /NLY /FFER

2EGULAR EA &OR ! 2OLL /F

2EGULAR EA

-IXED $ATES -IXED -INTS 0 $ 3 $ATES /UR #HOICE %XTREMELY &INE #ONDITION

-IXED $ATES -IXED -INTS 0 $ 3 $ATES /UR #HOICE %XTREMELY &INE #ONDITION ,IMIT #OINS ,)-)4 #/).3

&OR ! 2OLL /F ,)-)4 2/,,3

/RDER -ORE 2OLLS 'ET &2%% 2%$ "//+

&2%% 3()00).' 3!6% WITH 3PECIAL "ONUS $ISCOUNT

9/52 "%34 6!,5%

>Û `ÊEÊ À VÊ7 ÃÌ ]Ê >Ì iÀÊEÊ- ÊUÊ iÀ V>½ÃÊ Ài ÃÌÊ Ê i> iÀÊ > ÞÊ ÀÊÓ Ê9i>ÀÃ

7HY )S 4HE 2ETIREMENT 9OU 0LANNED "2/+%. 4HE FEDERAL DEl CIT PROBLEM IS RAGING WITH THE &ED PRINTING "ILLION BUT THERE IS ANOTHER l NANCIAL CRISIS REGARDING STATE AND LOCAL GOVERNMENTS 4HE MEDIA HAS FAILED TO COVER THIS CRISIS )N THE LAST TWO YEARS SINCE THE hGREAT RECESSIONv WRECKED THEIR ECONOMIES AND SHRIVELED THEIR INCOME STATES NATIONWIDE HAVE COLLECTIVELY SPENT HALF A TRILLION DOLLARS MORE THAN THEY COLLECTED IN TAXES 4HERE IS ALSO A TRILLION DOLLAR HOLE IN THEIR PUBLIC PENSION FUNDS 3TATES HAVE BEEN GETTING BY ON BILLIONS IN FEDERAL STIMULUS FUNDS BUT THE DAY OF RECKONING IS HERE 4HIS INTENSIFYING DEBT CRISIS HAS 7ALL 3TREET WORRIED IT COULD DE RAIL ANY CHANCE OF AN ECONOMIC RECOVERY FORCING A DEPRESSION 4HIS WILL COST PUBLIC EMPLOYEE JOBS AND REQUIRE ANOTHER HUGE BAILOUT THAT HAS 7ASHINGTON SHAKING IN ITS BOOTS 2ESPECTED 7ALL 3TREET ANALYST -EREDITH 7HITNEY BELIEVES NO ONE REALLY KNOWS HOW DEEP THE DEBT HOLES ARE 3HE AND HER STAFF SPENT TWO YEARS AND THOUSANDS OF HOURS ANALYZING THE l NANCIAL CONDITION OF THE LARGEST STATES 3HE WANTED TO KNOW IF STATES COULD PAY BACK WHAT THEY BORROWED AND THE RISK THEY POSE TO THE TRILLION MUNICIPAL BOND MARKET WHERE STATE AND LOCAL GOVERNMENTS l NANCE THEIR SCHOOLS HIGHWAYS AND PUBLIC PROJECTS h(OW ACCURATE IS THE l NANCIAL INFORMATION THAT S PUBLIC ON THE STATES AND MUNICIPALITIES v +ROFT OF -INUTES ASKED h4HE LACK OF TRANSPARENCY WITH THE STATE DISCLOSURE IS THE WORST ) HAVE EVER SEEN v 7HITNEY SAID

7HITNEY IS AFRAID SOME LOCAL GOVERNMENTS WILL GET SQUEEZED AS STATES ARE FORCED TO TIGHTEN THEIR BELTS 3HE S CONVINCED THAT SOME CITIES AND COUNTIES WILL BE UNABLE TO MEET THEIR OBLIGATIONS TO MUNICIPAL BOND HOLDERS WHO l NANCED THEIR DEBT %ARLIER THIS YEAR THE STATE OF 0ENNSYLVANIA HAD TO RESCUE THE CITY OF (ARRISBURG ITS CAPITAL FROM DEFAULTING ON HUNDREDS OF MILLIONS OF DOLLARS IN DEBT FOR AN INCINERATOR PROJECT h4HE MOST ALARMING THING ABOUT THE STATE ISSUE IS THE LEVEL OF COMPLACENCY v -EREDITH 7HITNEY ONE OF THE MOST RESPECTED l NANCIAL ANALYSTS ON 7ALL 3TREET AND ONE OF THE MOST INm UENTIAL WOMEN IN !MERICAN BUSINESS TOLD CORRESPONDENT 3TEVE +ROFT 7HITNEY MADE HER REPUTATION BY WARNING THAT THE BIG BANKS WERE IN BIG TROUBLE LONG BEFORE THE COLLAPSE .OW SHE S WARNING ABOUT A l NANCIAL MELTDOWN IN STATE AND LOCAL GOVERNMENTS h)T HAS TENTACLES AS WIDE AS ANYTHING ) VE SEEN ) THINK NEXT TO HOUSING THIS IS THE SINGLE MOST IMPORTANT ISSUE IN THE 5NITED 3TATES AND CERTAINLY THE LARGEST THREAT TO THE 5 3 ECONOMY v SHE TOLD +ROFT #ALL .OW AND /RDER YOU CAN NOT AFFORD TO SIT AROUND AND GET SLAMMED BY THIS CRISIS THAT LIES AHEAD 'OLD 3ILVER IS SAFER THAN #$ S 3TOCKS OR "ONDS 'OLD AND 3ILVER IS SAFER THAN CASH IN THE BANK #!,, ./7 9OU ARE RUNNING OUT OF TIME 2EMEMBER FRIEND THE ONLY THING WORSE THAN FAILURE IS REGRET WHEN YOU VE BEEN WARNED

#ALL /RDER 4ODAY $ON T $ELAY #ALL .OW

,)6% /2$%2 /.,).% !4 WWW AMSGOLD COM 9EARS %XPERIENCE

3INCE

0RICES SUBJECT TO CHANGE BASED ON GOLD AND SILVER MARKET PRICES

iÀ V> Ê- ÛiÀÊEÊ `Ê Ê

0 / "/8 s !534). 4%8!3 s /RDER 7ITH #ONl DENCE 3ATISFACTION 'UARANTEED 5NCONDITIONAL $AY .O 2ISK -ONEY "ACK 'UARANTEE &ULL REFUND IF YOU ARE NOT COMPLETELY SATISl ED WITH YOUR ORDER

2 | www.amac.us

0ROUD 3UPPORTER 3500/24%23

9/52 0%23/.!, #(%#+ )3 7%,#/-%

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:

• Free hearing screening • In-home service, if needed (where available) • 20% discount off all Beltone hearing aids • Lifetime Care™ - service at any Beltone location • Full manufacturer’s warranty • Loss, Stolen & Damage coverage • Discount extended to immediate family members

Call 1-800-BELTONE (235-8663) to find your nearest Beltone Hearing Care Center or visit 3 | www.amac.us www.beltone.com

Complete your FREE hearing screening by Sept. 30, 2011 and receive your choice of: FREE booklet of (20)

K first-class stamps K

or FREE pack of hearing aid batteries

*Offer good at participating Beltone locations. Discount cannot be combined with other offers. Exp 9/30/11. Beltone provider use NA#51210

www.amac.us | 3

# Publisher’s Letter

Dear AMAC members,

hanks to you Patriotic Americans, AMAC continues to grow! We are nearing 200,000 members and our goal is to have one million members by the 2012 elections.

“

AMAC’s influence

with our political leaders is also building. As we

serve our members by fighting to remove the double tax on Social

Security income that one out of three recipients

”

must pay

4 | www.amac.us

AMAC’s influence with our political leaders is also building. As we serve our members by fighting to remove the double tax on Social Security income that one out of three recipients must pay, we are grateful to the staff of Congressman Paul Ryan (R-WI) who asked us to provide them with information about our plan to repeal that grossly unfair tax. Senator Kay Bailey Hutchison (R-TX) has had the courage to offer a proposed bill to help keep Social Security solvent. Her staff reached out to us when they heard about AMAC’s plan to couple her bill with a bill that would allow workers to have a tax deductible Social Security IRA to add money to their retirement. Go to our website atwww.amac.us to follow our progress. This issue of your magazine is packed with articles we hope you will find helpful. In this issue you’ll learn more about Herman Cain, a relatively unknown person running for President, and you'll also read about Cape Hatteras, North Carolina, a great vacation spot. You’ll find an introduction to a new book by Jedediah Bila, AMAC’s favorite writer, and of course, some food ideas from Kathie’s Kitchen. On a more serious note: Recently we were reminded that power is fleeting. Like New York’s former Governor, Elliott Spitzer, who had to resign after he was caught having relations with a prostitute, now Anthony Weiner has quickly gone from being an outspoken, powerful Congressman to yesterday’s news. It has been said that power corrupts and absolute power corrupts absolutely. Is it any wonder that politicians fall victim? What protects our country from total corruption that grips so many other countries? Consider what Ben Franklin wrote in 1784 about how America won the Revolutionary War: "….if it had not been for the justice of our cause and the consequent interposition of Providence, in which we had faith, we must have been ruined. If I had ever been an atheist, I should now have been convinced of the being and government of Deity! It is he who abases the proud and favors the humble. May we never forget his goodness to us, and may our future conduct manifest our gratitude." Sincerely,

Dan Weber, Publisher

VOL. 5 ISSUE 2

CONTENTS COVER:

p. 10

Millions of seniors face double taxation of Social Security income

p. 14

4 6 8

Publisher's Letter Sound Off Viewpoint Jedediah Bila

10 Money

Create a Budget

12 Health

Longer Lifetime Could Cost You

Daniel C. Weber

14 Feature

Publisher

Rebecca Weber Keiffert

20 Job Creators Need

Associate Publisher Editorial Inquiries

Gary J. Christiansen Membership Web Developer

Death Taxes

p. 12

p. 22

Seniors Being Double Taxed on Social Security

Advertising Director gricottone@amac.us

28 Travel

Fun in the Sun

Pamela Smith

Association of Mature American Citizens 5 Orville Drive Bohemia, New York 11716 631.589.6675 • www.amac.us

Generations Publishing Inc. PO Box 961 | Port Jefferson Station, NY 11776 | 631.473.0388 Graphic Design by: Advertising Dynamics & Art, Inc. 631.751.5454 • www.adartinc.com

Who is Herman Cain?

25 Cover Story

Gia Ricottone

Editor

a Voice Politics

p. 28

p. 40

34 AMAC in Action 38 Government 38 40

Watch Did You Know? Kathie's Kitchen Fresh from the Farmstand

42 Just for Fun 44 Member Benefits www.amac.us | 5

“Sound Off” AMERICANS ARE SPEAKING OUT ON AMAC’S WEBSITE. Some of these comments are presented on this page. Please log on to www.amac.us to give us your views and to read what others are saying!

Jack Lavelle You guys are doing the good work and should be proud. We don’t have to beat AARP in numbers in the short time we’ve been organized. We just need to throw a scare into them so they show their true colors. My wife and I just renewed our memberships for two more years, and I mailed back AARP’s membership card they wanted me to have. I feel like this organization’s on the right track. We need to get hold of the health care debate and make it about what it should be: affordable health care for all Americans. Karen Perry It seems this President is slowly inching towards a dictatorship rule. He is taking more and more power with the media once again playing the

role of willing accomplice. It is up to you the citizens of this great country to become informed, and DO SOMETHING. Call your Senate. Call your representatives in Congress. It is your duty, your American privilege and your right.

Dale H Layton It’s the American way, 28% don't pay ANY taxes and Seniors pay DOUBLE. FLAT TAX! Elaine Talbert So delighted to discover an alternative to selfserving, ultra-liberal AARP...one that is truly on the side of America's over-50 population! Thank you, AMAC!

WANTED: NON-SMOKERS Incredible term life insurance rates! Age 50 55 60 65 70 75 80

Male Monthly Rates $100,000 $250,000 $19.60 $32.42 $28.88 $47.73 $42.00 $73.33 $70.35 $136.54 $123.64 $234.33 $240.89 $454.83 $399.35 $895.83

Female Monthly Rates $100,000 $250,000 $17.33 $27.83 $22.93 $37.89 $30.36 $53.86 $44.19 $85.36 $69.83 $139.17 $146.13 $313.95 $318.41 $660.45

ING TermSmart and ING TermSmart´NY: Rates are quoted for 10 year term, preferred, non-smoker. Also available in 15, 20, 25 and 30 year terms, smoker and non-smoker rates.

For a personalized quote please call 888-262-2006 or visit us on the web at www.AMAC.US, Click on the Life Button. Rates are effective as of 06/15/2011 and are subject to change. Premiums shown are for a healthy non-nicotine Preferred Rate Class, and are subject to underwriting approval by ReliaStar Life Insurance Company and ReliaStar Life Insurance Company of New York. Premiums shown are monthly and include an annual $68 policy fee. ING TermSmart, policy form series 1315-02/10, varies by state and may not be available in all states (not available in New York), is issued by ReliaStar Life Insurance Company (Minneapolis, MN). ING TermSmart NY, policy form series 3314-02/10, (only available in New York), is issued by ReliaStar Life Insurance Company of New York (Woodbury, NY). Within the state of New York, only ReliaStar Life Insurance Company of New York is admitted and its products issued. Both are members of the ING family of companies. All guarantees are based on the financial strength and claims paying ability of the issuing insurance company, who is solely responsible for all obligations under its policies. Other than the ING companies identified, no other entities whether distributing or listed on the material, are members of the ING family of companies. © 2011 ING North America Insurance Corporation. 160363 cn67522062013

6 | www.amac.us

FIND OUT HOW EASY LOOKING YOUNGER CAN BE.

BEFORE

AFTER

Name: LINDA Age: 71 Actual client. No retouching. Patient had facial-firming and neck-firming procedures.

Looking years younger is simple with Lifestyle Lift. We have helped more than 100,000 clients all over America recapture their youth. A Lifestyle Lift is done confidentially in one of our nationwide state-of-the-art centers using the latest medical technology. That means you can say goodbye to short term solutions and regimens that require constant upkeep. With a Lifestyle Lift you get lasting results that leave you looking noticeably younger for the long term. All for an affordable price. So making a real change in your life can be as simple as picking up the phone.

Please call 1.866.867.0304 to learn how you can receive your FREE Guide to Looking Younger information kit. The call is confidential.

Featured on ABC, CBS, NBC, FOX News and in magazines and newspapers nationwide • Affordable, quick and confidential every step of the way • You get the experience of over 70 board-certified physicians • More than 100,000 clients • Locations nationwide • Custom financing plans available •

AMAC071511-102

©2011 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. (7/11)

www.amac.us | 7

# Viewpoint

A Peek into “Outnumbered” By Jedediah Bila

t began in Manhattan in October of 2008, in the midst of one of the most passionate election seasons I have witnessed thus far. After a few intriguing encounters with members of the liberal elite, I found myself jotting down conversations that occurred in the gym, restaurants, the school where I was teaching, a museum, and elsewhere. I chronicled my interactions with liberals as they opined about Sarah Palin, Republicans, feminism, Barack Obama, wealth redistribution, and more. It wasn’t until I had embarked upon a new voyage as a conservative columnist and commentator that I realized I had something I wanted to share. I couldn’t help but remember the wise words of my grandfather: “Sometimes it’s the stuff that happens in plain old everyday life—the realness of it all—that speaks the biggest truths.” With that memory, I decided to invite readers to take a step into my world, open their eyes, and look around … to discover what the Left’s version of tolerance, diversity, civility, and feminism really look like … and to see the conservative versus liberal world view illuminated by the simplicity of everyday life. And so I bring you an excerpt from my new book, Outnumbered: Chronicles of a Manhattan Conservative: “Psst!” I heard from the right. I looked around, but didn’t see anyone. “Psst!” I turned again, and this time an adorable old lady—she had to be at least eighty, if not more—was wideeyed and pointing frantically at her collar, then gesturing toward mine. I jumped about a foot in the air, convinced that some grotesque bug was on its way toward my face. I looked down and saw nothing. “You might want to cover that up,” she whispered as she tucked my Palin pin inside my outer jacket. “I don’t want you getting yourself killed now, young lady,” she added. “Oh, it’s okay. I haven’t been beaten up yet,” I said with a laugh. “Please be careful,” she replied. “I nearly got knocked to the ground because of one of those a few weeks ago. It’s just not worth the fight, you know?” As I watched her exit the deli,

8 | www.amac.us

I stood wondering what in heaven’s name had possessed someone to nearly knock down a barely five-foot, eightysomething-year-old woman because of a pin. Where in the hell am I living? I sat for a little while, staring out the window at Lexington Avenue, observing the physical diversity of people who passed by. Did so many of them look different on the outside, but think the same? I wondered if any had hidden their Palin pins, too. It’s just not worth the fight ran through my mind. I lifted the pin out of my jacket. If people don’t fight, there will be nothing left to fight for, I thought. I decided to walk home and, to no surprise, faced my fair share of grimaces and comments. A woman mumbled “Ignorant bitch” as I rounded Third Avenue. A man stopped me to “inform” me that if I wanted to support hatred, I “should move to a place like Utah.” A teenager told me to “get the hell out of Obama’s city.” But one mom carrying an infant gave me a thumbs up, and that made it all worthwhile. Of course, when I told my mom what had happened, she was terrified. Her desire to protect her little girl would always take precedence over any freedom of speech crusade. I promised I’d spend two hours each week in the boxing ring. She wasn’t amused. Dad gave me a stern “Be careful” lecture on the phone after dinner, but I could sense the pride swelling in his voice. There was no way Tony Bila would ever tell me to take that pin off. During my time at Columbia University, he had parked outside repeatedly with an enormous Rush Limbaugh sticker across his rear bumper. Now that’s guts. It’s close to 1:00 a.m., and soon I’ll be heading to bed. I just sifted through some media commentary on how Sarah Palin is the anti-feminist. Someone needs to set that record straight … for the girls who will otherwise grow up thinking that feminism and abortion must go hand in hand. Because they deserve better.

To purchase Outnumbered: Chronicles of a Manhattan Conservative, please visit Amazon.com.

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: 1-866-709-9713 Visit: travelers.com/amac

Insurance is underwritten by The Travelers Indemnity Company or one of its property casualty affiliates, One Tower Square, Hartford, CT 06183. 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, an independent, single-state subsidiary of The Travelers Indemnity Company. In TX: Auto insurance is offered by Travelers MGA, Inc. and underwritten by Consumers County Mutual Insurance Company. Coverage, discounts and billing options are subject to state availability and individual eligibility. ÂŠ 2011 The Travelers Indemnity Company. All rights reserved. PL-15466 New 6-11

www.amac.us | 9

# Money

Create a Budget

a n d Take Cont rol of Your Fi nan c e s! C

The savings rate for Americans is the lowest it has been in 73 years.

reating a budget is the first good step you can make to take control of your finances. A budget will enable you to develop a strategy that can address both your short term needs and long term goals. So why do so many of us take little control of our finances? For starters, many of us are afraid. Perhaps we don’t want to see on paper how we’ll be short making this month’s payments while also saving for the next trip to visit our grandchildren. But by looking closely at your expenses, you will have the opportunity to make adjustments to your spending so that you can contribute more to savings and pay for life’s unexpected expenses. Creating your budget is knowing your monthly spending habits and needs. This is accomplished by tracking how much money you earn – and how much money you spend. For at least one month, watch closely how you spend your money and keep all receipts. This will help you come up with an amount to budget for your variable expenses – such as dining out, dry cleaning, or money to your children.

Helpful Tips:

10 | www.amac.us

Take a good look at your entertainment expenses. Can you cut back on these costs without compromising your lifestyle? Pick 2 days a month to pay your bills, or pay bills as soon as they arrive to avoid late fees Decide what you can cut and then cut it! Track savings. Once you see positive results – you’ll feel motivated to save more! Try cutting your spending in the categories you spend the most. Challenge yourself to cut spending in at least 3 categories. Record your spending habits – monitor your budget monthly – and measure your results! Save! Just because you are making good money does not mean that you will be “ok” in 10 or 20 years. You must save! Pay yourself first! It’s never too late to dream! Consider your talents and what you enjoy doing and whether or not these talents can be used to create additional income. continued on pg. 36

It’ll take Helen 35 years of work to build a nest egg. And two years of long-term care to tear it down.

Protect your retirement assets with

Prudential Long-Term Care Insurance. Don’t let the cost of a prolonged health crisis jeopardize what you’re working to build. Find out how long-term care insurance issued by The Prudential Insurance Company of America can help protect your assets — including the money you’re putting away for retirement. From preserving your independence to safeguarding your personal savings, Prudential’s long-term care insurance helps to deliver protection against an emergency that could arise at any time. Make it part of your financial plan today. The people you care for will thank you for years to come. Get started by visiting www.amac.us/long-term-care-insurance

Ask about our

5% discount!

1-888-262-2006

Long-term care insurance policy is issued by The Prudential Insurance Company of America, 751 Broad Street, Newark, NJ 07102 (800-732-0416). This coverage contains benefits, exclusions, limitations, eligibility requirements and specific terms and provisions under which the insurance coverage may be continued in force or discontinued. The Prudential Insurance Company of America is authorized to conduct business in all U.S. states and the District of Columbia. All insurance policies/options may not be available in your state. The Prudential Insurance Company of America is a Prudential Financial company. Prudential and the Rock logo are registered service marks of The Prudential Insurance Company of America. This is a solicitation for long-term care insurance. IFS-A152687 Ed. 8/2008 0168024-00002-00

11 | www.amac.us

www.amac.us | 11

A Longer Lifetime Could Cost You I

n October 2009, Carolyn Smyth*, an insurance agent, discussed extended care planning with Rose Williams, her client. Rose understood the need to talk about the consequences of living a long life and how it might affect her family. The agent explained that without a plan, assets and savings could be depleted by $50,000 - $100,000 a year. Without a plan, family members would be chained to her needs, and the family could be forced to make choices based on cost, not choice. After a lengthy discussion, Rose still wanted to analyze the solution of buying Long Term Care Insurance so she ran it by her attorney. The attorney urged her not to buy and said “you have four children and one of them is a doctor; they will be there if and when you need care.” Rose went ahead and purchased the insurance despite the advice of the attorney. A few years later Rose’s health deteriorated as a result of back and hip problems. Her mental acuity was 100% intact, but she needed assistance with Activities of Daily Living (ADLs). Her son, who was a doctor making a sizeable income, was diagnosed with bi-polar disorder and was in therapy and was unable to help. The younger daughter was busy raising her three children on a limited income and was unable to help. The 52 year old daughter was recently diagnosed with breast cancer – unable to help. The one daughter who could help, wouldn’t help unless the other siblings contributed equally. Few consider auto or homeowner's insurance as a waste of money if they never have to use it. Instead, it’s the price one pays to insure against the risk of fire or accidents. The same goes for long-term care insurance; it’s the price one pays for the risk of needing long term care. The reality is that the currently healthy can expect to eventually suffer from one or more chronic diseases, which often results in high out of pocket and long term care costs. Still, most people delay purchasing insurance until their health declines and therefore run the risk of paying higher premiums or being denied coverage altogether. Ellen Dorle, a certified financial planner based in Columbus, Ohio says it is “almost mandatory” to have LTCI, particularly if a client has significant assets. It is akin to having homeowner's insurance in that you hope you don’t have to use it but want to have it.

12 | www.amac.us

STUDIES SHOW THAT NINE MILLION PEOPLE OVER THE AGE OF 65 WILL NEED LONG-TERM CARE THIS YEAR. It is estimated that over 12 million Americans over the age of 65 will need long-term care a year by 2020. A separate study by the U.S. Department of Health and human Services shows that those over 65 have a forty-percent chance of living in a nursing home, while ten-percent will stay there at least five years. Seventy percent of the elderly will be cared for by friends and family. The National Academy of Elder Law Attorneys did a study comparing the risk of financial devastation brought on by Long Term Care with the risk of financial devastation brought on by a major automobile accident or a house fire. According to that study, the rates of risk were: Automobile Accident:

1 out of 240

[0.4%]

House Fire:

1 out of 1,200

[0.08%]

Long Term Care:

1 out of 2

[50%]

With a Plan

Professional helps you with planning Money is there without depleting the family nest egg Your loved ones can carry on a more normal life You will be able to stay at home longer with your family

You will not be a burden You can better maintain your independence Without a Plan

Family must find caregivers for your needs You could deplete your savings by $50,000 - $100,000 per year Family members become chained to your needs

Choices will be based on cost, not choice You may have to enter a nursing home prematurely You will disrupt the lives of your loved ones AMAC can help you with information on Long Term Care Insurance. Call us to speak with a licensed counselor. *names are changed for privacy

P A

No one can put a price on the treasures on your computer.

2010 Fastest

2010Growing Fastestg Growing IT Service IT Service

But backing them up automatically is just $59 a year. Trust Carbonite for unlimited, automatic backup of your computer files. A hard drive crash, virus or even a simple accident can wipe out your computer files in seconds. Protect your photos, music, email and other irreplaceable files with Carbonite – the online backup service trusted by more than one million people. Carbonite automatically backs up your files whenever you’re connected to the Internet. Backup space is unlimited, and everything is encrypted so your data remains secure and private. When you need to recover files, getting them back is easy – you can even access your files remotely from any computer or on your smartphone.

• Unlimited online backup • Automatic & continuous • Encrypts ﬁles for privacy • Installs in minutes – PC or Mac by more than • Trusted 1 million customers ﬁles from any computer • Access or smartphone TRY IT FREE! Visit carbonite.com *Use Code CB396 and get 2 FREE months upon purchase.

FREOE MON TH S*

Start your free trial today at Carbonite.com or call 1-800-240-6217 to learn more. Act now to protect your valuable computer ﬁles.

13 | www.amac.us

Death Taxes Stealing the American Dream by Dick Patten

14 | www.amac.us

ou work hard, save, and invest – then you die and the IRS confiscates its “share” of your assets. This is how the death tax steals the American dream from those who “have too much.”

“ A study by the Connecticut Department of Revenue found that states with estate taxes had higher unemployment rates and more sluggish economies than states without the death tax. The same study found that the estate tax was the leading reason that wealthy residents were abandoning their roots, taking their money, and moving to states without estate taxes.” ACROSS THE COUNTRY, from Oregon to Ohio to Washington, DC, the American people recognize that the death tax is fundamentally unjust – especially when it destroys the livelihoods of family business owners, farmers, and their workers. Consider third-generation family business owner Lowell Miles of Happy Valley, Oregon. Miles’ business provides more than 100 jobs in the fiberglass and composite industry. As Miles recently wrote in The Oregonian, the state’s largest newspaper, in Portland, “estate taxes force businesses to divert resources from expanding and creating jobs, to ensuring the company can stay open once the owner dies. Those (businesses) that can’t pony up are forced to sell or shutter.” Like the families of many other business owners, Miles’ family will have to pay federal estate taxes when he dies. The current rate is 35 percent on all assets exceeding $5 million, including both personal and business assets. If the Oregon legislature has its way, his family may also have to pay a state estate tax of 20 percent – the highest estate-tax rate in the nation. Combined, the rate could exceed 50 percent. While Oregon’s move towards a confiscatory estate tax will further damage the state’s economy and encourage

businesses to move elsewhere, many other states are looking to ease or repeal their estate or inheritance taxes. As this article went to press, Ohio appeared ready to repeal its estate tax. The House of Representatives already has approved a budget package that includes repeal of the tax. The state Senate is expected to follow the House’s lead and Gov. John Kasich has indicated his support. Lawmakers in Illinois, Indiana, Maine and Pennsylvania also are considering legislation to repeal the so-called death tax. The governors of Maine, New Jersey, and Rhode Island have proposed reducing the tax’s impact by increasing the exemption. A proposal by North Carolina’s governor, meanwhile, to increase the death tax by reducing the exemption, was shot down by the legislature. This flurry of activity is encouraging for a country still struggling with high levels of unemployment. A study by the Connecticut Department of Revenue found that states with estate taxes had higher unemployment rates and more sluggish economies than states without the death tax. The same study found that the estate tax was the leading reason that wealthy residents were abandoning their roots, taking their money, and moving to states without estate taxes. Still, the fight for repeal has been far from easy. Some state and local officials have been more concerned about the short-term loss of tax revenue. What these officials don’t seem to understand is that higher estate taxes equal fewer tax dollars, not more. A recent study from the American Family Business Foundation found that for every $1 increase in federal estate tax revenues, state and local governments lose almost $3 in other tax revenues. continued on pg. 18

www.amac.us | 15

Low Vision? Low Vision? We We can help! help! an’tt read read the the newspaper? newspape er? t CCan’t nable tto o ssee ee family family pictures? picture s? s t UUnable rouble rreading eading pr prescriptions? e scri tiions? t TTrouble

FREE F R E E PEBBLE P EBBLE E 3.5 HAND-HELD H AND - HELD MAGNIFIER MA

$545 $ 545 V VALUE AL A U

With W ith the the purchase purchase o of a Merlin M erlin LCD or or Acrobat Acrobat LLCD D esktop Magnifiers Magnifiers Desktop at retail. retail. at

Call C all today tod day for for more more inf information ormation 888 888-811-3161 -811-3161 orr visit www.enhancedvision.com o www.enhanceedvision.com Promo Pr omo C Code: ode: 1 1001 001

16 | www.amac.us

To my dear Granddaughter

G randmaâ&#x20AC;&#x2122;s Pearls of W isdom N ecklace

Iâ&#x20AC;&#x2122;ve traveled paths youâ&#x20AC;&#x2122;ve yet to walk Learned lessons old and new And now this wisdom of my life Iâ&#x20AC;&#x2122;m blessed to share with you

18-inch Necklace of Genuine Cultured Freshwater Pearls

Let kindness spread like sunshine Embrace those who are sad Respect their dignity, give them joy And leave them feeling glad Forgive those who might hurt you And though you have your pride Listen closely to their viewpoint Try to see the other side Walk softly when youâ&#x20AC;&#x2122;re angry Try not to take offense Invoke your sense of humor Laughterâ&#x20AC;&#x2122;s power is immense!

Sterling silver-plated heart charm inscribed with: â&#x20AC;&#x153;My Granddaughter, My Joyâ&#x20AC;?

Express what you are feeling Your beliefs you should uphold Donâ&#x20AC;&#x2122;t shy away from what is right Be courageous and be bold Keep hope right in your pocket It will guide you day by day Take it out when it is needed When itâ&#x20AC;&#x2122;s near, youâ&#x20AC;&#x2122;ll ďŹ nd a way Remember friends and family Of which you are a precious part Love deeply and love truly Give freely from your heart The world is far from perfect Thereâ&#x20AC;&#x2122;s conďŹ&#x201A;ict and thereâ&#x20AC;&#x2122;s strife But you still can make a difference By how you live your life And so Iâ&#x20AC;&#x2122;m very blessed to know The wonders you will do Because you are my granddaughter And I believe in you

Comes in a custom-designed C keepsake case with the â&#x20AC;&#x153;Grandmaâ&#x20AC;&#x2122;s Pearls of Wisdomâ&#x20AC;? poem A treasured gift of genuine cultured freshwater pearls for a beloved granddaughter together with grandmaâ&#x20AC;&#x2122;s wise words ... this exclusively designed necklace is a keepsake that is sure to be cherished!

A Remarkable Value...The Perfect Gift

The Grandmaâ&#x20AC;&#x2122;s Pearls of Wisdom Necklace is a remarkable value at just $99*, and you can pay for it in 4 convenient installments of $24.75 each. Itâ&#x20AC;&#x2122;s a beautiful reminder of your love and the perfect gift for a precious granddaughter! The necklace is presented in a custom-designed keepsake box that includes the touching â&#x20AC;&#x153;Grandmaâ&#x20AC;&#x2122;s Pearls of Wisdomâ&#x20AC;? poem. It arrives complete with a CertiďŹ cate of Authenticity, and backed by our unconditional 120day guarantee. To reserve your necklace, send no money now; just mail the Reservation Application today! www.bradfordexchange.com/pearls

A Fine Jewelry Exclusive from The Bradford Exchange

LIMITED-TIME OFFER Reservations will be accepted on a ďŹ rst-come, ďŹ rst-served basis. Respond as soon as possible to reserve your â&#x20AC;&#x153;Grandmaâ&#x20AC;&#x2122;s Pearls of Wisdom Necklace .â&#x20AC;?

RESERVATION APPLICATION

SEND NO MONEY NOW

the

j e w e l ry

9345 Milwaukee Avenue â&#x20AC;˘ Niles, Illinois 60714-1393

YES. Please reserve the â&#x20AC;&#x153;Grandmaâ&#x20AC;&#x2122;s Pearls of Wisdom Pearl Necklaceâ&#x20AC;? for me as described in this announcement. Signature Mrs. Mr. Ms. Shown actual size *Plus $9.98 shipping and service. Please allow 4-6 weeks after initial payment for shipment of your necklace. Sales subject to product availability and order acceptance.

Grandmaâ&#x20AC;&#x2122;s Pearls of Wisdom poem by Becky Netherland

ÂŠ2011 BGE 01-07925-001-BI2

Name (Please Print Clearly)

Address City State

Zip

01-07925-001-E54681

www.amac.us | 17

Death Taxes Stealing the American Dream continued from pg. 15

That’s because the estate tax is a proven business and job killer – and when businesses go under, or are broken up, income, sales and other taxes go down. State estate taxes have the same effect. Fortunately, the American public gets it. Polls consistently show that more than two-thirds of voters favor permanent death tax repeal. And Congress is paying attention. More than 130 Members of Congress – both Democrat and Republican – have signed the American Family Business Institute’s “Death Tax Repeal Pledge.” These members are now leading a bipartisan fight for Federal Estate Tax repeal. Representatives Kevin Brady (R-TX-8) and Mike Ross (DAR-4) have sponsored “The Death Tax Repeal Permanency Act” (H.R. 1259), which has an impressive number of cosponsors from both sides of the political aisle. A recent study conducted by former Treasury Department economist Steve Entin, now with the Institute for Research on the Economics of Taxation, found that estate tax repeal would increase federal revenues by $89

“Leverett’s family was forced to sell half of their ranch so they could pay the death tax when their father died. Despite Leverett’s efforts to save the ranch – by taking on a second job – the family still is struggling to pay Uncle Sam’s bill.”

18 | www.amac.us

UPDATE 6/29/11

billion over a tenFrom the floor of the Ohio year budget period. State Legislature: the Ohio Entin’s finding is State Senate has passed the based on the FY 2011-2012 budget by a understanding that two-to-one majority, repeal would spur effectively killing the death economic growth, tax in Ohio. This is a historic allowing more event for Ohio and for businesses to create patriots everywhere who more prosperity and recognize that the death tax thereby increase is bad for the small total tax collections. businesses which fuel our Estate-tax repeal economy. also would increase the size of the U.S. economy, or gross domestic product (GDP), by about 2.25 percent, private sector output and labor income (hours worked times hourly wage) by about 2.34 percent, and capital stock by 6.1 percent. But repeal is about much more than just numbers and statistics. If you ask 30-year-old Texas rancher Clayton Leverett, it’s about lives, families and heritage. Leverett’s family was forced to sell half of their ranch so they could pay the death tax when their father died. Despite Leverett’s efforts to save the ranch – by taking on a second job – the family still is struggling to pay Uncle Sam’s bill. America would be much better off if the Lowell Mileses and Clayton Leveretts in the nation could invest their time, money and energy into building their ranches and businesses, hiring workers and contributing to the economy and tax rolls – rather than spending all that effort to satisfy the taxman. Congress and state legislators across the nation ultimately will decide whether death taxes are the best way to fill their budget holes. From every possible standpoint, moral and economic, the death tax is the wrong answer. The future of small business and American entrepreneurism stands in the balance. Dick Patten is the President of the American Family Business Institute, a trade association of family business owners, farmers and entrepreneurs working for repeal of the death tax.

America Shines Brighter Than Ever

10%

of reven ue donated to the U.S. Nav y SEALs Foundat ion.

Brilliant genuine sapphire, DiamondAura® and hand enameling enlarged to show fine details.

This Time We Raise Our Flag In Triumph! Show your pride with a genuine sapphire and enamel pin for just $99!

lmost 10 years ago, America faced a challenge the likes of which it had never seen. For a decade, we rose together to meet that challenge with courage, commitment, and perseverance. Now we’ve reached a tremendous milestone in our mission to rid the world of evil. Simply put: We got him! And if conquering our country’s greatest foe isn’t a reason to proudly fly our flag, I don’t know what is. So in honor of that victory Stauer is offering our Sapphire & DiamondAura® Patriot Pin for just $99! Indivisible. Following that infamous September morning, one symbol above all others shone across the country as an emblem of our resolve. The Stars and Stripes flew from every house and street corner, on bridges and buildings, and in the hearts of every American. It seemed the Red, White, and Blue would never be as striking. Now we’ve got a new reason to raise the flag. And this time it’s in celebration. So we’re bringing you a grand old flag that’s even grander.

American beauty. Our spectacular Sapphire & DiamondAura Patriot Pin showcases a luxurious new look for Old Glory. The American flag is captured in gold-fused sterling silver, with handenameled red stripes that unfurl with the elegant flow of the “fabric.” You can almost hear the material snapping in the wind. The crowning achievement is a sparkling field of stars, composed of genuine, round-cut blue sapphires (½ ctw) and brilliant, lab-created DiamondAura. Details include the intricate braided rope and polished flagpole, topped with a smooth sapphire cabochon. An exquisite piece filled with a passion only found in the land of the free and the home of the brave. Wear it with even more pride knowing we’ll donate 10% of the revenue to the U.S. Navy Seal Foundation! Your freedom is important to us. It’s what makes this country great, so we didn’t mess with it. With our 30-day Money Back Guarantee, you’re free to see if you like the Sapphire & DiamondAura

Smar t Luxuries—Surprising Prices

Patriot Pin as much as we think you will. If you’re not satisfied, just return it for a full refund of the purchase price. This is your chance to show how your “heart beats true, beneath the red, white and blue.” JEWELRY SPECS: - Genuine blue sapphires and white DiamondAura® - Gold-fused .925 sterling silver - Hand enameling

Sapphire & DiamondAura® Patriot Pin (¾ ctw)—$299 Now only $99 Call now to take advantage of this extremely limited offer.

1-888-201-7083

Promotional Code PPP132-02

Please mention this code when you call. Stauer has a Better Business Bureau Rating of A+

Stauer

14101 Southcross Drive W.,

® Dept. PPP132-02

Burnsville, Minnesota 55337

www.stauer.com

www.amac.us | 19

True job creators need a voice by Bernie Marcus

worked hard to make my own small company into a big one but I never could have succeeded if I had faced the avalanche of impediments that our current government hurls down upon this generation of entrepreneurs. The White House’s job creation strategy is to threaten higher taxes on anyone making more than two hundred thousand dollars a year and to appoint yet another council on jobs. Does anyone really believe this will create the jobs this country needs? I certainly don’t. What I do believe is that we must bring together the hard-working men and women who are on the front lines of job creation – small and medium-sized business founders and owners – to light the way to renewed economic growth. By giving real job creators a voice, whether shopkeepers or software engineers, they can speak from real-world experience about how to create jobs and why job creation can’t be accomplished from Washington. I believe these business men and women could point out the policies that are obstacles and articulate policies that invite growth and investment, and most importantly - job creation. Who better to defend free enterprise than entrepreneurs who have actually created America’s private-sector jobs? These companies – high-tech and low, restaurants and retail stores, manufacturers and bakeries – are the businesses that drive job creation. Half of all American workers are employed at a small business and they have generated two out of three new jobs over the last 15 years. We can’t have a serious conversation about reducing unemployment without listening to the companies that are NOT on the Fortune 500 list. Overregulation, unfair taxes, and new mandates, like the controversial healthcare bill, are choking these jobcreating businesses before they can get off the ground. The President’s State of the Union Address included calls to increase trade and cut corporate taxes, all things that help big businesses, but do little to help the small enterprises and start-ups that are the engines of economic growth. They need relief from the alphabet soup of regulations that stifles them and therefore chokes hiring. From the EPA to the FDA, from the IRS to Sarbanes Oxley, regulations disproportionally affect the smallest firms, drowning America's entrepreneurs in red tape. According to a study published last year by the Small Business Administration, firms with fewer than 20

20 | www.amac.us

employees spend 36 percent more per employee than large firms. Regulations, on average, cost small firms $10,585 per employee each year: $4,120 to comply with economic regulations, $4,101 to comply with environmental regulations, $1,585 to comply with complex tax rules, and $781 to comply with OSHA and homeland security regulations. In fact, more than 144,000 pages of regulations strangle small and large businesses alike. Congress must provide these innovators a break. I know dozens of men and women who started with nothing, waiting in the hallway hoping the mailman would bring enough receipts to make payroll, working through the night, foregoing their own salaries so they could pay their bills, and yet fretting over filing a raft of forms for local, state and government regulators and worrying about bewildering new rules. These are the true job creators and many feel downright abused by a government that ignores them, penalizes them and goes out of its way to impede their businesses. These job creators want to grow their businesses; they want to hire new employees and they understand that they need to pay fair taxes. But they don’t have a forum; they don’t have a voice, and they are frustrated when academics and life-long government employees, bureaucrats who know nothing about creating jobs, determine policies that could either spur or stifle job growth. The heroes of the American economic dream are the people who take the risks, make the sacrifices, and still maintain the beliefs that propel them to success. These job creators must tell us what policies they need to grow their business and put America back to work. I am now calling on all business founders, owners and leaders to join me in the ranks of the Job Creators Alliance, a new organization I am proud to help create. Join me in this quest to allow free enterprise to not only heal our wounded economy, but also to return us to the economic growth that we need to create jobs across America. If you want to join the JCA, contact me at: Bernie@jobcreatorsalliance.org.

Bernie Marcus is co-founder of Home Depot. He was raised in a tenement and worked his way through college. He served as CEO of Home Depot for 19 years and served as chairman until his retirement in 2002. He and his wife are listed among the top charitable donors in America.

INCREDIBLE THERAPEUTIC SLIPPER

MAKES YOUR ENTIRE BODY FEEL BETTER Therapeutic Memory Scuffs ONLY

RECEIVE A

WITH EVERY ORDER

1297 FREE Shipping

THERAPEUTIC MEMORY INSOLE CUSHIONS EVERY STEP

HELPS PREVENT: Back Pain Knee Pain Hip Pain Ankle Pain

PREVENTS FOOT SHOCK BY CUSHIONING EVERY STEP

Perfect For:

•Gout •Bunions •Arthritis •Heel Spurs •Swollen Feet •Tired Aching Feet

A CUSTOM CRADLE OF PRESSURE-FREE SUPPORT

Perfectly Conforms To The Shape Of Your Foot

ORDER TOLL FREE 1-800-530-2689 Offers www.DreamProductsCatalog.com ( Web May Vary ) SAY GOODBYE TO FOOT PAIN These amazing slippers might be the most comfortable slippers you’ve ever slipped your feet into. Fashion import with therapeutic memory foam insoles conform exactly to the shape of your feet to provide custom comfort from heel to toes. Great for men and women who suffer from painful heel spurs, bunions, arthritis, gout, swollen feet and countless other foot problems. Features faux suede uppers and flexible, skid-resistant soles. Hurry, order today and SAVE 35% off catalog price and get FREE SHIPPING, plus, receive a FREE surprise gift with your order! Satisfaction Guaranteed or Return For Your Money Back

INDICATE NUMBER OF PAIRS ORDERED UNDER SIZE #95861

#95862

#95863

#95864

#95865

XS Menʼs

S Menʼs

M Menʼs

L Menʼs

XL Menʼs

7-8 ⁄ 1

9-9 ⁄ 1

_____ _____ #95866

10-10 ⁄ 11-11 ⁄ 1

_____ _____

12-13

#95867

#95868

#95869

#95870

M Ladiesʼ

L Ladiesʼ

XL Ladiesʼ

5-6 ⁄

7-7 ⁄ 1

_____ _____

8-8 ⁄ 1

9-9 ⁄ 1

_____ _____

10-10 ⁄ 1

_____

____ Pr(s) Therapeutic Memory Scuffs@ $12.97pr. $

FREE

Add $1.00 Handling No Matter How Many You order $

1.00

FOR EXPEDITED SHIPPING (optional) Add An Additional $2.95 (receive your order 5-7 days from shipment)

PLEASE PRINT CLEARLY

Card#

K Discover®/NOVUSSMCards Expiration Date

Dept. 64752

$ 2.95

TOTAL $

Name Address

CA residents must add 8.25% sales tax $ FREE REGULAR SHIPPING $

K MasterCard

_____

XS Ladiesʼ S Ladiesʼ 1

K VISA

City

Zip

Daytime Phone # Email Address

Check or money order payable to: Dream Products, Inc. Send Order To: 412 Dream Lane, Van Nuys, CA 91496

www.amac.us | 21

Who is

Herman Cain? by Justin Quinn

ERMAN CAIN’S rapid rise to

prominence in the early days

of the 2012 presidential campaign is a unique phenomenon for Republican presidential politics. While Democrats typically don’t mind their nominees coming from nowhere, Republicans prefer their candidates to be fully vetted and familiar. Few Democrats could have guessed in 1988 that Arkansas Gov. Bill Clinton would go on to unseat a sitting Republican president four years later, but almost every Republican in 1992 could have guessed that Bob Dole would be among the finalists for the GOP nomination in 1996.

continued on pg. 30

22 | www.amac.us

ONE TIME COST – $149 OR $249 YOU OWN IT!

SECONDS COUNT

Emergency Emerg gency Strobe lightt and Help Button n system In an In an Emergency Emergency ... ... Save Save Valuable Valuable Time Time P ress tthe he H elp B utton .... .. T alk D irectly tto o9 11 Press Help Button Talk Directly 911 IInside nside o utside 6 00 ffeet eet orr O Outside 600 You Y ou o Will Receive: Receiv ve: $249.00 FREE Shipping • HELP Button • Strobe Strobe Light • Lock Box • Vial Vial of Life included • Batteries are are in ncluded • 3-Year 3-Y Ye ear Warranty Warranty You Y ou o Will Receive: Receiv ve: $149.00 FREE Shipping • 3-Year 3-Y Ye ear Warranty Warranty • HELP Button are included • Batteries ar e in ncluded

Credit Card Debt?

ADVERTORIAL

Solutions that can help you get out of debt.

Tom Hill CGA STAFF WRITER

Every three minutes another person falls behind on credit card debt. It’s no wonder, since every major credit card company has nearly doubled the minimum monthly payment on consumers’ bills. Federal Regulators forced the change because of their concern about the growing mountain of consumer debt, which stands at $2.17 trillion. Many consumers can only pay the minimum payment, which can take up to 30 years to pay off. Now, relief is in sight for millions of Americans. CreditGUARD of America, a non-profit licensed debt management service provider, is making a new program available to lower debt payments and become free of all credit card debt in only three to five years. Consumers need only $2,000 or more in total credit card debt and behind on any account, to cut their payment by 35% to 50%, and reduce or eliminate interest charges altogether.

U.S. CREDIT CARD DEBT PER HOUSEHOLD ($) $10,000 $9,000 $8,000 $7,000 $6,000 $5,000 $4,000 $3,000 $2,000 $1,000 85 87 89 91 93 95 97 99 01 03 05 07 09

(Data Source: U.S. Federal Reserve)

Over 200,000 families, located throughout the U.S. have regained financial independence with CreditGUARD’s licensed, bonded and insured service. CreditGUARD of America has received high marks in consumer surveys showing high consumer satisfaction and confidence. The CreditGUARD debt management program can actually turn a person’s life around. One such case is Sandra L. who proclaimed “CreditGUARD cut my monthly payment by $656 and saved me over $29,206.53 in interest. They saved my way of life and gave me back my piece of mind! Now I can see myself on my way to becoming debt free.” or Jeffery C. who said “CreditGUARD of America helped me consolidate 3 of my credit cards into one affordable payment. They are now saving me nearly $200 a month. Now I will be debt free in 2 years or less” Certified Credit Counselors at CreditGUARD of America provide Debt Relief Consultations at no charge, when you call 1-800-346-5689. Calculate your interest rate savings instantly online when you visit their website at: www.creditguard.org/amac Licensed in all 50 states. MD #5 • MI # DM 0016985

www.amac.us | 23

Seniors Paying Double Tax on Social Security Income

...AMAC pushes for repeal

24 | www.amac.us

by Daniel C. Weber

ne of the cruelest taxes paid by older Americans is the tax they must pay on Social Security income. The average extra tax costs each senior between $1,800 and $3,000 a year.

What had started out as a solution to help bail out Social Security 28 years ago has turned into a mean blow to elderly Americans living on a fixed income. The idea was to tax “well off” seniors to help balance the books and keep Social Security in the black. Now, one out of three seniors is caught in this trap. Gene H. and his wife, Barbara, live in central Florida. They have income from Social Security, a pension and they both have part time jobs earning about $4,000 total for the year. They took the jobs so they would have a little spending money to visit their grandchildren and take some short trips. Their income (“combined income” over $32,000*) classifies them as having “substantial income” in addition to their Social Security and costs them over $1,500 in tax that they must pay on half of their Social Security. Now, keep in mind that they already paid income tax on their earnings before their Social Security contributions were paid - so they wind up being taxed on this income twice! AMAC feels this tax is wrong. It is especially wrong to tax those living on a fixed income that are faced with increasing daily costs for food and housing, before they are hit with $4 per gallon gasoline costs! When you factor in that they have not been given a cost of living increase from Social Security in over 2 years, you readily see they are being hurt by this unfair double tax.

There are several benefits to removing the tax on your Social Security. The first is how the money will be used by the folks who will keep it. That money will be spent locally unlike the so-called Stimulus Act; it will immediately be put into the economy, benefiting all types of business, both large and small. The ripple effect is expected to triple the value of the funds. The total amount of funds involved run into several billions of dollars that will help prime the pump of our stagnant economy. Secondly, it will restore some sanity in the Tax Code. If President Obama and the Congress are serious about only raising taxes on the wealthy then they should take this tax burden off the middle class and go after the multi-millionaires and billionaires. AMAC demands they honor what they have said. And lastly, it will give our elderly people living on a fixed income a break. We owe something to those Americans who have worked all their lives and helped build this great country. They should not have to pay a penalty because they have income from savings or part time jobs. Let us treat them fairly. As you know there are other organizations that claim to be representing seniors yet only AMAC has taken up this cause. Soon our members will be asked to participate in an effort to influence our elected officials to repeal this tax. If you would like to help in this effort please go to: www.amac.us/remove-the-tax-on-social-security Go to our website, www.amac.us and look up the article by Dan Weber on the Social Security tax and click the red button that asks if you want to help. continued on pg. 26

AS YOU KNOW there are other organizations that claim to be representing seniors yet only AMAC has taken up this cause. Soon our members will be asked to participate in an effort to influence our elected officials to repeal this tax. If you would like to help in this effort please go to: www.amac.us/remove-the-tax-on-social-security www.amac.us | 25

Double Tax

continued from pg. 25

How to replace the lost funds from Social Security if the tax is repealed

on Social Security Income

26 | www.amac.us

Because our nation is in a state of severe debt it would not be a good idea to reduce the funds going into programs such as Social Security unless there was a way to replace the funds. AMAC has at least one proposal to do that. Consider placing a tax on the windfall profits received by trial lawyers when they win a major lawsuit. At present it is common for lawyers to receive 33 1/3% of the settlement. Why not put a cap on the attorney’s fee of 25%? On a million dollar settlement the lawyer would collect $250,000 instead of $333,000 and the difference of 8% would be paid into Social Security. The person who was injured would still collect the same amount. Again, if President Obama is serious about taxing the wealthy more, isn’t that a good way of doing it? To give you an idea of the income of some trial lawyers consider this; John Edwards, who ran unsuccessfully for Vice President with Senator Kerry, earned 27 million dollars in the four years before he ran for the Senate. *note: see Internal Revenue definition of “combined income” - adjusted gross income plus nontaxable income plus one half of your social security benefits equals your combined income.

va G RE lu IF E ed T at $3 5

“New medical alarm can save you money

…and save your life!” The Designed For Seniors® Medical Alarm provides emergency notification that is simple, reliable and affordable. It’s simply the best value on the market today.

Simple, Reliable, and Affordable

Best of all, it’s affordable. You get Designed For Seniors Competition Medical Alarm the complete system for only pennies per Equipment Cost FREE $30-$300 day. No equipment Activation FREE $10-$30 charge, no activation Contract 1-2 Years NONE fee, no long term UL Approved Call Center YES Some contract. Call now and Senior Approved™ YES No within a week you Warranty Varies LIFETIME or someone you love will have the peace Free Shipping ? YES ®

• Free shipping • Free activation • No equipment cost of mind and independence that comes with this remarkable system.

Be one of the first 100 to order and get FREE Shipping and a FREE Gift– valued at $35. It’s yours to keep.

Designed For Seniors® Medical Alarm Please mention promotional code

42945.

1-888-602-3070

56798

do is push a button, and you’ll Are you concerned about being immediately get the help you helpless in an need, quickly and reliably. emergency? “Good morning. This is That’s because it has been Are you Nancy with Medical Alarm. “designed for seniors” and your Do you need assistance by the industry leader loved ones Mrs. Smith?” in providing helpful and anxious affordable solutions about what for millions would happen if you were of aging unable to get to a phone? Americans. Have you considered moving out of the home First of you love and into all, it’s some kind of assisted simple to living because install and use. of these worries? Unlike other If you answered products that “yes” to any of these require professional questions, you are not installation, this alone. Millions of seniors are product is “plug and concerned about their safety. There play.” The unit is designed for easy are products out there that claim to use in an emergency, with large, help, but they are difficult to use and easy-to-identify buttons. even more difficult to afford. Why mess with complicated installations It’s reliable. From the waterproof and long term contracts when there’s pendant to the sophisticated base a product that’s simple, reliable and unit, to the state-of-the-art 24/7 call affordable? The product is the center, the entire system is designed Designed For Seniors® Medical Alarm. to give you the peace of mind in knowing you are never alone in Read on and we’ll explain why every an emergency. You get two-way senior in America should have one. communication with a live person in our Emergency Response Center, What will you do in case of an and there’s a battery backup in case of emergency? If you have a Designed a power failure. For Seniors® Medical Alarm, all you

# Travel

Fun in the Sun Th e O uter B anks of Nort h Carol i na by D.J. Wilson beach home rentals are available, with many offering great hile leaning over the kitchen sink basting a turkey, amenities such as swimming pools and recreation rooms. I heard laughter coming from the living room, Your best bet is to book your vacation through a well where adult family members gathered to watch established realtor who is familiar with location and pricing football. As children ran circles through the house, it was and can offer advice on topics ranging from insurance to clear everyone was having a good time. We spend so much linen rentals. Many of the homes are quite spacious and can time prepping for the holidays only to flash forward to easily accommodate multiple guests and are perfect for waving goodbye at the door. Suddenly a house once filled splitting the cost with family and friends. with chatter is hauntingly quiet. As I moved forward picking Twenty-two of us were fortunate to enjoy a week’s up empty glasses, it dawned on me that our family should vacation in a beautiful home aptly named "God’s Promise." get together more often than the holidays. If your extended Though we spent a great deal of time sunbathing on the family is like ours, large and living in many different states, beach and swimming in the ocean, the holiday visits often become the only time children enjoyed evening swims in the for a get-together. We decided it was time pool and the adults relaxed on the upper to change that by having a family week at deck as the sun began to set. We also the beach. Whether you enjoy enjoyed an evening of violin music If you’re looking for a relaxing seaside soaking up the sun or performed by a talented family member vacation and want to share the fun with and celebrated summer birthdays family and friends, there’s no better place surfing in the waves of the gathered around the large table sharing to visit than the beautiful beaches of the Atlantic Ocean, the Outer birthday cake. At night the beaches Outer Banks. Located off the coast of sparkled underneath the moon, and we Banks offers a wide variety North Carolina, this 200 mile long string took evening walks and shined of narrow barrier islands covers of activities for all ages. flashlights on sand crabs digging into approximately half the northern North Beautiful beach home wet sand. Carolina Coastland. Separating Ocean Hatteras has an interesting history. from Sound, the Outer Banks is an ideal rentals are available, with First inhabited by Native American vacation destination due to its wide many offering great Croatan Indians, it was later explored by expanse of pristine beachfront and the Spanish, and then the English. enjoyable climate. amenities such as Named "Hattorask" on John White’s map Whether you enjoy soaking up the swimming pools and of 1585, Hatteras it is believed to be an sun or surfing in the waves of the Atlantic English rendition of a Native American recreation rooms. Ocean, the Outer Banks offers a wide word meaning “there is less vegetation.” variety of activities for all ages. Beautiful

28 | www.amac.us

continued on pg. 45

SALE START S TODAY !

HARBOR FREIGHT TOOLS Quality Tools at Ridiculously Low Prices FACTORY DIRECT TO YOU! How does Harbor Freight Tools sell high quality tools at such ridiculously low prices? We buy direct from the factories who also supply the major brands and sell direct to you. It’s just that simple! Come see for yourself at one of our 350 STORES NATIONWIDE and use this 20% OFF Coupon on one of our 7,000 products*, plus pick up a FREE 9 LED Aluminum Flashlight, a $7.99 VALUE with any purchase. We stock Automotive products, Shop Equipment, Hand Tools, Tarps, Compressors, Air & Power Tools, Material Handling, Woodworking Tools, Welders, Tool Boxes, Outdoor Equipment, Generators, and much more.

NOBODY BEATS OUR QUALITY, SERVICE AND PRICE! R ! PE ON SU UP RAPID CO

Get More Coupons at HarborFreight.com R ! PE ON U S UP CO

SAVE $60

6999

LOT NO. 68053

REG. PRICE $129.99

HARBOR FREIGHT TOOLS - LIMIT 5 This valuable coupon is good anywhere you shop Harbor Freight Tools (retail stores, online, or 800 number). Cannot be used with any other discount or coupon. Coupon not valid on prior purchases after 30 days from original purchase date with original receipt. Offer good while supplies last. Coupon cannot be bought, sold, or transferred. Original coupon must be presented in-store, or with your order form, or entered online in order to receive the coupon discount. Valid through 11/15/11. Limit one coupon per customer per day.

R ! PE ON SU UP CO

11 DRAWER ROLLER CABINET

WITH ANY PURCHASE

REG. PRICE $7.99 HARBOR FREIGHT TOOLS - LIMIT 1 Free item only available with qualifying minimum purchase (excluding price of free gift item). Cannot be used with any other discount or coupon. Coupon not valid on prior purchases. Offer good while supplies last. Shipping & Handling charges may apply if free item not picked up in-store. Coupon cannot be bought, sold or transferred. Original coupon must be presented in-store, or with your order form, or entered online in order to receive the offer. Valid through 11/15/11. Limit one coupon per customer and one coupon per day.

SAVE 66%

HARBOR FREIGHT TOOLS - LIMIT 7 This valuable coupon is good anywhere you shop Harbor Freight Tools (retail stores, online, or 800 number). Cannot be used with any other discount or coupon. Coupon not valid on prior purchases after 30 days from original purchase date with original receipt. Offer good while supplies last. Coupon cannot be bought, sold, or transferred. Original coupon must be presented in-store, or with your order form, or entered online in order to receive the coupon discount. Valid through 11/15/11. Limit one coupon per customer per day.

R ! PE ON SU UP CO

HARBOR FREIGHT TOOLS - LIMIT 1 Use this coupon to save 20% on any one single item purchased when you shop at a Harbor Freight Tools store. *Cannot be used with any other discount or coupon. Coupon not valid on any of the following: gift cards, Inside Track Club membership, extended service plans, Compressors, Generators, Tool Cabinets, Welders, Floor Jacks, Campbell Hausfeld products, open box items, Parking Lot Sale items, Blowout Sale items, Day After Thanksgiving Sale items, Tent Sale items, 800 number orders or online orders. Coupon not valid on prior purchases after 30 days from original purchase date with original receipt. Coupon cannot be bought, sold, or transferred. Original coupon must be presented in-store in order to receive the offer. Valid through 11/15/11. Limit one coupon per customer and one coupon per day.

R ! PE ON SU UP CO

80 PIECE ROTARY TOOL SET

SAVE 65%

SAVE 46%

105 PIECE TOOL KIT 4 DRAWER TOOL CHEST INCLUDED!

$64.99

R ! PE ON SU UP CO

RATED WATTS/ SAVE 800900 MAX WATTS $60 PORTABLE

R ! PE ON SU UP 40" CO

LOW-PROFILE CREEPER

SAVE 40%

300 LB. CAPACITY 19"

LOT NO. 66619

REG. PRICE $299.99

HARBOR FREIGHT TOOLS - LIMIT 3 This valuable coupon is good anywhere you shop Harbor Freight Tools (retail stores, online, or 800 number). Cannot be used with any other discount or coupon. Coupon not valid on prior purchases after 30 days from original purchase date with original receipt. Offer good while supplies last. Coupon cannot be bought, sold, or transferred. Original coupon must be presented in-store, or with your order form, or entered online in order to receive the coupon discount. Valid through 11/15/11. Limit one coupon per customer per day.

99 REG.$149.99 PRICE

HARBOR FREIGHT TOOLS - LIMIT 4 This valuable coupon is good anywhere you shop Harbor Freight Tools (retail stores, online, or 800 number). Cannot be used with any other discount or coupon. Coupon not valid on prior purchases after 30 days from original purchase date with original receipt. Offer good while supplies last. Coupon cannot be bought, sold, or transferred. Original coupon must be presented in-store, or with your order form, or entered online in order to receive the coupon discount. Valid through 11/15/11. Limit one coupon per customer per day.

LOT NO. 2745

Tools sold separately.

REG. 99 $29PRICE .99

HARBOR FREIGHT TOOLS - LIMIT 6 This valuable coupon is good anywhere you shop Harbor Freight Tools (retail stores, online, or 800 number). Cannot be used with any other discount or coupon. Coupon not valid on prior purchases after 30 days from original purchase date with original receipt. Offer good while supplies last. Coupon cannot be bought, sold, or transferred. Original coupon must be presented in-store, or with your order form, or entered online in order to receive the coupon discount. Valid through 11/15/11. Limit one coupon per customer per day.

R ! PE ON SU UP CO

GENERATOR

149

$19.99

HARBOR FREIGHT TOOLS - LIMIT 9 This valuable coupon is good anywhere you shop Harbor Freight Tools (retail stores, online, or 800 number). Cannot be used with any other discount or coupon. Coupon not valid on prior purchases after 30 days from original purchase date with original receipt. Offer good while supplies last. Coupon cannot be bought, sold, or transferred. Original coupon must be presented in-store, or with your order form, or entered online in order to receive the coupon discount. Valid through 11/15/11. Limit one coupon per customer per day.

REG. 99 PRICE

LOT NO. 97626

REG. $ 99 PRICE

$ 99

Item 96933 shown

WA WAYS TO SHOP SHOP! 3 EASY

LOT NO. 96933/67455 REG. PRICE $29.99

LOT NO. 67421

29 | www.amac.us

ANY SINGLE ITEM!

LOT NO. 4030

SAVE $150

INCLUDES: • 6 Drawer Top Chest • 2 Drawer Middle Section • 3 Drawer Roller Cabinet

12 VOLT MAGNETIC TOWING LIGHT KIT

20%

OFF

ITEM 65020

NEW!

3-1/2 PUMPS LIFTS MOST VEHICLES!

FREE!

R ! PE ON SU UP CO

3-1/2" SUPER BRIGHT NINE LED ALUMINUM FLASHLIGHT

R ! PE ON SU UP CO

PUMP 1.5 TON ALUMINUM RACING JACK

√ Over 5 MILLION NEW CUSTOMERS in the Last 2 Years! LIFETIME WARRANTY √ NO HASSLE RETURN POLICY ON ALL HAND TOOLS! √ Family Owned & Operated √ We Will Beat Any Competitor's Price Within 1 Year of Purchase!

LOT NO. 95275

SAVE 46%

3 GALLON 100 PSI OILLESS PANCAKE AIR COMPRESSOR

3999

REG. PRICE $74.99

1. VISIT!

2. GO TO!

3. CALL!

350 Stores Nationwide

www www.HarborFreight.com

www.amac.us | 29 1-8 1-800-423-2567

Who is

continued from pg. 22

Herman Cain?

one of its failing subsidiaries, naming him president and CEO of Godfather’s Republican newcomers who Pizza. Though it was on the verge of are lucky enough to break into bigcollapse, Cain returned the business to time presidential politics most often the black in just 14 months. find themselves churned up in the Although Cain is best known for frothy waters of the nomination these business achievements, he is process. As they drift back out to sea, more familiar with the inner workings most are content with having of politics than many might think. As positioned themselves for a future run. volunteer chair of the National Cain appears to be looking only to Restaurant Association in 1993 and the immediate future, however. 1994, Cain endeared himself to Although it’s still early in the 2012 race, conservatives by taking a vocal stance the former CEO of Godfather’s Pizza against the universal health care plan Born in Memphis and raised in has already impressed onlookers with sponsored by the president and his his personable style, his insightful Atlanta, Cain learned the importance wife, Hillary Clinton. Many still see political positions and his chummy of hard work from his father, Luther Cain’s opposition to ClintonCare as the relationship with the Tea Party. Cain Jr., who worked three jobs, and primary reason for the plan’s demise. This last point is particularly In 1992, Cain joined the Kansas noteworthy, considering many pundits his mother, Lenora Cain, who City Federal Reserve Bank, one of only believe an alliance with the Tea Party worked as a domestic cleaner while 12 regional banks that advise the could be a potential campaign-killer. rearing the couple’s two sons. Federal Reserve. Cain ascended to Yet Cain seems quite capable of deputy chairman before taking over as walking the fine line between Tea Party chairman in 1995. By all accounts, politics and big-tent Republicanism – Cain was highly respected as chairman before he left in 1996 to no easy feat. To win, Cain must attract independents and help Bob Dole derail Bill Clinton’s bid for a second term. Cain crossover Democrats in the fall – without alienating his Tea served as the campaign’s senior economic advisor. Party supporters. Cain appeared to be laying the groundwork It would be another eight years before Cain would enter for this strategy in early June when he announced he would the national spotlight as a political candidate. In 2004, he ran have no problem hiring an openly gay staffer. for the Georgia Senate seat, which was then being vacated by For someone serious about earning the GOP nomination, Democrat Zell Miller. Cain came close to earning his party’s Cain’s affiliation with the Tea Party can be risky, especially since nomination, but ultimately lost in the Republican primary. the movement’s influence on presidential politics has not been Cain’s presidential bid in 2012 was seen originally as a long tested. Yet Cain has proven throughout his career that he is a shot, but he is now generally considered a serious contender. master strategist, which means he must believe the Tea Party Ever the strategist, Cain spent 2010 visiting battleground states has an important role to play if his campaign is to succeed. and speaking at Tea Party rallies. In early 2011, he spoke at the Born in Memphis and raised in Atlanta, Cain learned the Conservative Political Action Conference and generated the importance of hard work from his father, Luther Cain Jr., who kind of buzz typically only enjoyed by major politicians. worked three jobs, and his mother, Lenora Cain, who worked Cain continues to do well in hypothetical primary as a domestic cleaner while rearing the couple’s two sons. matchups and early polling. In one, he edged Palin. In another, In 1967, Cain earned his undergraduate degree in math he was on par with Romney. A poll taken in his home state of from Morehouse College, and then put himself through Georgia, which Cain shares with fellow GOP contender Newt graduate school by working full time as a ballistics specialist Gingrich, showed Cain leading the former House Speaker by a for the Department of the Navy. In 1971– nearly a decade wide margin. before the advent of the personal computer – Cain earned a On May 5, Cain participated in a Republican debate with master’s degree from Perdue in computer science. five other potential presidential candidates on FOX News and After graduation, Cain embarked on a career in the blew away the competition with his polished responses, corporate world, starting out as a business analyst for Cocapointed manner and likeable personality. Cola. In 1977, he took a position with Pillsbury, and by the early The biggest challenge Cain will face is the hype factor. The 1980s, he had risen to the rank of senior vice president. better he does on the campaign trail, the more scrutiny he’s Pillsbury executives recognized Cain’s shrewd business going to attract from Democrats and opposition researchers. acumen, and saddled him with the task of managing one of the Conservatives have reason to be excited about Cain’s company’s lowest-performing market subsidiaries: 450 Burger candidacy, but for the moment their enthusiasm is tempered King stores in the Philadelphia area. In just three years, the with caution. stores Cain managed were among the organization’s top After all, if conservatives learned anything from the last financial performers. His success earned him a shot at the presidential election, it was to avoid getting too excited too fast. position that would ultimately turn him into a corporate management legend. Pillsbury put him in charge of another

30 | www.amac.us

Each Magnet Has 1,600 Gauss Therapeutic Power

Miracle

MAGNETIC COPPER Bracelets

SAVE

50% $ 48 6

MEN’S

Was $12.97

NOW ONLY

Believed To Heal Your Aches & Pains Naturally!

each

LADIES’

RECEIVE A

Trusted For Centuries To Help: A Magnet On Each Link Surrounds Your Wrist With Penetrating Therapy!

IMPROVE CIRCULATION RELIEVE FATIGUE REDUCE JOINT ACHES

www.DreamProductsCatalog.com OUR LOWEST PRICE EVER!

For centuries, men and women have turned to the power of natural healing to improve their health and relieve their aches and pains. Now you can, too – at 50% OFF SAVINGS! Both MAGNETIC COPPER BRACELETS have a powerful, 1,600-gauss magnet embedded in the underside of each link. That allows for 360º of continuous therapeutic healing and protection. Men’s 81⁄2" L bracelet has 19 links. Ladies’ 71⁄2" L bracelet has 21 links. Copper tone finish over metal alloy. SAVE 50% on each when you order now. Satisfaction Guaranteed or Return For Your Money Back

web offers may vary

WITH EVERY ORDER

NOW TOLL-FREE 1-800-530-2689 OR ORDER

Miracle MAGNETIC COPPER BRACELETS

(99619)

Save

HANDSOME! COMFORTABLE! Separately Sized For Men & Women!

K VISA

K MasterCard

Card#

Expiration Date

________ Ladies’ Miracle Magnetic

50% Copper Bracelets @ $6.48 Each

Dept. 64707

K Discover®/NOVUSSMCards

(99620) Save

________ Men’s Miracle Magnetic

50% Copper Bracelets @ $6.48 Each $

CA residents must add 7.25% sales tax $ Regular Shipping & Handling Add $3.95 no matter how many ordered $3.95

FOR EXPEDITED SHIPPING (optional) Add An Additional $2.95 (receive your order 5-7 days from shipment)

Name Address City

Zip

Daytime Phone #

$ 2.95

TOTAL $

Email Address

Check or money order payable to: Dream Products, Inc. Send Order To: 412 Dream Lane, Van Nuys, CA 91496

www.amac.us | 31

Retire in Paradise!

“We did, in upstate South Carolina” • Clemson University • 18,500 acre Lake Keowee • Blue Ridge Mountains • Great Weather • Beautiful Greenville • Hikes and Waterfalls • Active, Healthy Lifestyle • People with "values"

For information and any lifestyle questions contact: STEVE TAYLOR “I’ve been there and done that!”

864-723-0099 Lakekeoweehomes@aol.com

Reverse Mortgage Rebate Program

Receive up to $10,854 in additional funds on an FHA Insured Fixed Rate Reverse Mortgage. Receive this through a Fee Rebate Program given right at the time of closing of up to $4,854 for your upfront Mortgage Insurance Premium. Also save up to $6,000 by not having a loan origination fee. See why seniors all across America are using iReverse Home Loans for their reverse mortgages. Receive even more money by not having a Monthly Service Fee, or a Monthly Service Set-Aside.

Harold Bremser Jr. National Reverse Mortgage Specialist 816 Bypass 123 Seneca, SC 29672

www.ReverseMortgageInfoUSA.com Direct: 1-800-591-7080 | Corp: 1-800-486-8786 Ext. 745 Fax: 954-212-9202 | Email: hbremser@iReverse.com

Life Buddy is there for your loved ones when you can’t be No contracts required Cancel at any time!

Life Buddy Personal Response System

Free Lifetime Warranty! Free Wireless Pendant! The Life Buddy is a personal alert system that can help you and your loved ones in case of an emergency. With a Life Buddy response system in your home, you now have an instant link to our Central Monitoring Station where Emergency Medical Technicians are staffed 24 hrs. a day to stay on the phone with you until EMS arrives. The Central Monitoring Station can notify Emergency Medical Services immediately and provide a list of medications, medical history, as well as their doctor’s phone number. In non-emergency situations the Life Buddy can also be used to contact a list of entrusted people to respond to the call for help.

AMAC Members receive exclusive pricing! $49.95 initial setup fee and $29.95 per month monitoring fee (normally $199.99 and $34.95 monthly).

Amed Response Corp. • 2211 Rte. 112 • Medford, NY 11763

32 | www.amac.us

Amed

American Monitoring Emergency Dispatch

1-855-788-2010

Finally, a cell phone that’s… a phone!

“Well, I finally did it. I finally decided to enter the digital age and get a cell phone. My kids have been bugging me, my book group made fun of me, and the last straw was when my car broke down, and I was stuck by the highway for an hour before someone stopped to help. But when I went to the cell phone store, I almost changed my mind. The phones are so small I can’t see the numbers, much less push the right one. They all have cameras, computers and a “global-positioning” something or other that’s supposed to spot me from space. Goodness, all I want to do is to be able to talk to my grandkids! The people at the store weren’t much help. They couldn’t understand why someone wouldn’t want a phone the size of a postage stamp. And the rate plans! They were complicated, confusing, and expensive… and the contract lasted for two years! I’d almost given up when a friend told me about her new Jitterbug phone. Now, I have the convenience and safety of being able to stay in touch… with a phone I can actually use.” The cell phone that’s right for me. Sometimes I think the people who designed this phone and the rate plans had me in mind. The phone fits easily in my pocket, and flips open to reach from my mouth to my ear. The display is large and backlit, so I can actually see who is calling. With a push of a button I can amplify the volume, and if I don’t know a number, I can simply push “0” for a friendly, helpful operator that will look it up and even dial it for me. The Jitterbug also reduces

ice ed Pr uc 8 d 4 Re by $

o t N trac n o C

background noise, making the sound loud and clear. There’s even a dial tone, so I know the phone is ready to use. Aﬀordable plans that I can understand – and no contract to sign! Unlike other cell phones, Jitterbug has plans that make sense. Why should I pay for minutes I’m never going to use? And if I do talk more than I plan, I won’t ﬁnd myself with no minutes like my friend who has a prepaid phone. Best of all, there is no contract to sign – so I’m not locked in for years Monthly Minutes Monthly Rate Operator Assistance 911 Access Long Distance Calls Voice Dial Nationwide Coverage Friendly Return Policy1

100

$14.99 24/7 FREE No add’l charge FREE Yes 30 days

$19.99 24/7 FREE No add’l charge FREE Yes 30 days

More minute plans available. Ask your Jitterbug expert for details.

at a time or subject to termination fees. The U.S.–based customer service is second to none, and the phone gets service virtually anywhere in the country. Call now and get a FREE Car Charger and FREE Leather Carrying Case – a $43.99 value. Try Jitterbug for 30 days and if you don't love it, just return it1. Why wait, the Jitterbug comes ready to use right out of the box. If you aren’t as happy with it as I am, you can return it for a refund of the purchase price. Call now, the Jitterbug product experts are ready to answer your questions.

Available in Graphite and Red.

Order now and receive a FREE Car

Charger and a FREE Leather Carrying Case for your Jitterbug– a $43.99 value. Call now!

Jitterbug Cell Phone Call now for our NEW low price. Please mention promotional code 42944.

1-888-759-2844 47486

www.jitterbugdirect.com We proudly accept the following credit cards.

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 © 2011 GreatCall, Inc. Copyright © 2011 by firstSTREET for Boomers and Beyond, Inc. All rights reserved.

www.amac.us | 33

Get the Muck

OUT!

Puzzle Solutions puzzles on pg. 42

TM M Marble size AquaClear q Pellets clear your la llake ke or pondd bottom.

Beneficial microorganisms. Restore balance in natural and man made surface waters. IIncrease ncrease water water clarity. clarity. Improve Improve water quality. Eliminate black organic muck.

A 10 lb. bag ttreats reats 0 0.5 .5 tto o1 1.0 .0 acres - $69.95.

A 50 lb. bag

treattss 2.5 treats 2.5 to to 5.0 5.0 acres acre res - $269.95. Apply A pply weekly weekly for ffo or 4 weeks, weeks, then then monthly m onthly to to m maintain. aintai ta n. N No o water wate er use rrestrictions! estrictions! F FREE R REE EE SHI SHIPPING! HIPP PIIIN NG!

800-328-9350 www.KillLakeWeeds.com/63GX

Write for FREE information:

AQUACIDE CO.

Our 56th year PO Box 10748, 10748 DEPT. DEPT T. 63GX White Bear Lake, MN 55110-0748

# AMAC in Action 6th annual Value Voters Summit AMAC will be attending the 6th annual Value Voters Summit in Washington, D.C. on Oct. 7-9, 2011, an event billed as the nation’s largest social conservative conference. For more information visit: www.valuevoterssummit.org LIMIT GOVERNMENT REDUCE SPENDING CHAMPION TRADITIONAL VALUES PROTECT AMERICA

Florida Tea Party Convention AMAC will sponsor and attend the Florida Tea Party Convention Nov 4-6, 2011 in Daytona Beach FL.

34 | www.amac.us

AMAC Ambassador Leadership Program If you feel strongly that our freedom, which is guaranteed by the Constitution, is being threatened, that government is getting out of control and that our way of life is under attack, then we want you in our Ambassador Leadership Program. We want YOU in our army…on the right side. For more information on the Ambassador Leadership Program and how you can help fight the good fight, email AMAC at ambassador@amac.us.

FREE Hearing Aid Catalog Shop by mail and Save 80% Shop-from-home Hearing Aid Catalog High-quality hearing aids priced at far less than the national average. Call today for free information: 1-800-782-6316

Ready to use In-the-Ear Hearing Aids

Our Customers Say it Best! Actual quotes from our customers. Printed with their permission.

Custom Fit In-the-Ear Hearing Aids

Behind-the-Ear Hearing Aids

How do you save so much?

“Price is right! Works better than aids I bought locally.” F.E. – Texas

Hearing aids have never been more expensive. According to The Hearing Review, the average hearing aid costs more than $1,800! Yet, luckily for you, high-quality hearing aids are available for far less from Hearing Help Express®!

“I like the way it fits. I can hear really well with it. For the first time I can hear my granddaughter talk.” I.J. – North Dakota

You can SAVE 80%! How do you save so much? You order from home and your hearing aids are delivered to your door. You avoid big mark-ups, long waits, and salesmen. Your low price is based on high volume and low overhead.

“I wore it to Bingo the other night and could hear what friends were saying for a change.” R. Kissling – Florida “I can hear the TV and understand the words which I could not do with my $5,000 aid.” M. L. – California

Great fit!

Call today for your FREE catalog!

1-800-782-6316 ext. 49-801

Improve your hearing Risk-FREE! Improve your hearing risk-free for 45 days in your own home! Compare our hearing aids to those costing $1,000 and more. Decide which works best for you. You won’t be sorry. We only sell genuine hearing aids. 100% money-back guarantee! You order easily by mail from a family business with over 600,000 satisfied customers and 31 years experience selling hearing aids by mail.

SEND NO MONEY! Clip & mail this coupon today for your free catalog!

YES! I would like a free shop-from-home hearing aid catalog. I understand there is no obligation and I get FREE shipping. www.HearingHelpExpress.com/49801

Products praised by The Wall Street Journal Risk-FREE offer 45-day home trial Arrives ready to use Compare to hearing aids costing $1,000 or more

Dr./Mr./Mrs./Ms. Address City/State/Zip Mail to:

Hearing Help Express • 105 North First St., Dept 49-801 • DeKalb, IL 60115-0586 www.amac.us | 35

continued from pg. 10

Use the following worksheet as a guide to create your own budget.

Pretax Income:

Monthly

Wages & Bonuses: Interest Income: Investment income (dividends, capital gains) Other:

$ $

Income Subtotal:

Income Taxes Withheld:

Monthly

Federal: State & Local Social Security / Medicare Other:

$ $ $ $

Income Taxes Subtotal:

Monthly Income after Taxes:

Savings & Investments:

Monthly

Savings Accounts / Emergency Fund: 401(k) / Retirement Accounts: Other Stocks/Bonds/Mutual Funds: Retirement Savings: Other:

$ $ $ $ $

Total Monthly Amount You Save/Invest:

After-tax income â&#x20AC;&#x201C; Savings = Spendable Income

$ $

Expenses: Fixed Expenses: Mortgage / Rent Property Tax Homeowners/Renters Insurance Car Payment Auto Insurance Medical Insurance Life / LTC Insurance Gas / Electric Cable Phone Bill (house) Cell Phone Bill

Monthly Budget Amount $ $ $ $ $ $ $ $ $ $ $

Variable Expenses: Groceries / Food: Gas / Tolls: Dry Cleaning: Lunch/Coffee/Snacks Dining Out/Entertainment: Shopping Purchases (all) Money to your Children: Car Maintenance: Home Maintenance: Credit Cards/Debt Payments: Other:

Monthly Budget Amount $ $ $ $ $ $ $ $ $ $ $

Monthly Variable Expenses Subtotal:

Spendable Income â&#x20AC;&#x201C; Total Monthly Expenses = How much more can I save or use for debt reduction? $

36 | www.amac.us

Monthly Actual Amount $ $ $ $ $ $ $ $ $ $ $

+/-$ $ $ $ $ $ $ $ $ $ $ $

Monthly Actual Amount $ $ $ $ $ $ $ $ $ $ $

+/-$ $ $ $ $ $ $ $ $ $ $ $

Love Restored Revive Premium - A Clinically Proven Treatment for Erectile Dysfunction "QQSPWFE CZ .FEJDBSF 1SJWBUF *OTVSBODF t 0WFS &òFDUJWF t '%" "QQSPWFE Revive R eviv i e Premium Premium i is i truly trruly l a breakthrough b breakthr k h ough h in in ttechnology echnology and design design and effectively eff ffe ectively tr eats Er ectile D ysfunction with pr oven treats Erectile Dysfunction proven (over are suffering rresults esults (o ver 96%). IIff yyou ou ar e suff ering from anyy rreason, Revive easson, the R fr om ED ffor or an evive Premium P remium System System will will restore restore your your intimacy intimaccy and rreturn eturn this part part of your your life life back to to you. you o . We W e have have helped over over e 3 million couples couples Call rrestore estore their intimacy. intimaccy. C all TToday oda o y and Get G et Your Yo our Love Love life liffe back! baack!

The Encore Difference tOnly Encore tOnly Encorre includes inccludes both both Manual & Bat terry P ump a Manual Battery Pump in our Medicare Medicarre System Syst y em

APPROVED BY MEDICARE & Most Private Insurance

ttNew N Br New eakthrro ough D esign! ttApproved Breakthrough Design! Apprroved e b byy the FD FDA DA ttCompact Compact & Lightweight Lightweight e

Warranty ttLifetime Lifetimee W a arrra antty

ttOver Over e 96% EEffective ffective w No Side EEffects ffectss with

tNumberr One tNumber One Ur Urologist rolo o gist Recomm mended Recommended

“The Most Prescribed Vacuum Therapy System Worldwide” Get Your Love Love Life back bacck Today! Today!

Most Trusted Since 1988

Urologist Recommended

1-800-475-3091

RevivePremium.com www.amac.us | 37

# Did You Know?

# Government Watch

David vs. Goliath! A message from George W. Spangler, National Ambassador Director: AMAC took on the considerable challenge of going face to face with AARP. They are the Goliath. We are the David. We smile as we say: “and you know who won!” We are now the largest conservative senior’s organization in the United States. But compared to AARP, we’re still small. That is why we need a veritable army of concerned, convicted believers to help bring our conservative message to America. It is my hope…seconded by Dan Weber, our President and Founder…that you will join our army, or recommit to the tasks we have ahead of us. We want YOU in our army…on the right side. For more information on the Ambassador Leadership Program and how you can help fight the good fight, email AMAC at ambassador@amac.us

Careful Now People on a lot of medications can get confused or forgetful about when to take them. It’s easy to miss a dose or take too many. At Northwestern University in Chicago, Michael Wolf looked into data on 484 patients, ages 55 to 74. The patients were given instructions for seven drugs to be taken over 24 hours, and told to create the simplest schedule. The simplest was four times a day. But Dr. Wolf says fewer than 15 percent got it right.

Fruits, Vegetables, & Chocolate! Flavonoids are antioxidants, commonly found in fruits and vegetables. A systematic review and pooling of randomized trials found that consumption of cocoa rich in flavonoids may improve risk factors for heart disease and diabetes. Eric Ding is an epidemiologist at the Harvard School of Public Health in Boston. He says, “Higher cocoa flavonoid consumption reduced systolic blood pressure, reduced LDL cholesterol, the bad cholesterol, increased HDL cholesterol, the good cholesterol.” The study, however, used flavonoid rich cocoa with balanced calorie levels. “In general, darker chocolate is better because they have more flavonoids.” The study was supported by the National Institutes of Health and presented at an American Heart Association conference on nutrition and physical activity.

A Different Kind of President

By Fido - your government watchdog

Obamacare Waivers AMAC asks why the Obama administration has granted over 1,400 Obamacare waivers? If Obamacare is so good, why so many waivers? The Daily Caller reported that of the 204 waivers approved in April, 38 went to businesses in House Minority Leader Nancy Pelosi's district. Organizations who receive a waiver are granted a one-year exemption from a new coverage requirement included in the healthcare reform law enacted almost a year ago. On September 22, waiver applications will no longer be accepted, which could force plans to close down or increase premiums significantly, leaving more people uninsured. Waivers were being granted mostly to Democratic districts and organizations who lobbied in favor of the overhaul from the beginning (Nancy Pelosi’s district netted nearly 20% of all waivers) while groups like the AARP got waivers as well.

Social Security Tax Reform A message from Dan Weber, President & Founder, AMAC. We’d like to take this opportunity to provide AMAC members with an update on what we are working on currently. Based on our recent membership poll regarding Social Security tax reform, an overwhelming portion of AMAC membership supports the elimination of the tax on Social Security benefits. On this issue, we have initiated a campaign to bring this issue to the attention of Congress, and have started a dialogue with key Congressional committees to consider this problem. While the first steps on this front have been taken, much work remains to be done. But rest assured, we will continue to fight for the reform of this onerous double-tax and will keep you all posted on all developments moving forth. Thank you for your support. Remove the Tax on Social Security. Visit our website at www.amac.us and sign up here to help in the fight to remove the tax on Social Security

Harry Truman was a different kind of President. But a measure of his greatness may rest on what he did after he left the White House. Truman’s only asset at the time of his death was the house he lived in. His wife had inherited the house from her mother and father and other than their years in the White House, they lived their entire lives there. When he retired from office in 1952, his income was a U.S. Army pension reported to have been $13,507.72 a year. Congress, noting that he was paying for his stamps and personally licking them, granted him an “allowance” and, later, a retroactive pension of $25,000 per year. After President Eisenhower was inaugurated, Harry and Bess drove home to Missouri by themselves. There was no Secret Service following them. When offered corporate positions at large salaries, he declined, stating, "You don't want me. You want the office of the President, and that doesn't belong to me. It belongs to the American people and it's not for sale." On May 6, 1971, when Congress was preparing to award him the Medal of Honor on his 87th birthday, he refused to accept it, writing, "I don't consider that I have done anything which should be the reason for any award, Congressional or otherwise." As President he paid for all of his own travel expenses and food. Modern politicians have found a new level of success in cashing in on the Presidency, resulting in untold wealth. Today, many in Congress also have found a way to become quite wealthy while enjoying the fruits of their Which of the following would you prefer offices. Political offices are now for sale. to keep Social Security solvent? Good old Harry Truman was correct when he • Change age for maximum benefit from 66 to 69 but observed, "My choices in life were either to be a piano allow younger people to have a tax deductible Social Please provide us player in a whorehouse or a politician. And to tell the Security IRA that they could start collecting at age 62-65 truth, there's hardly any difference!” with your feedback • Change age for maximum benefit from 66 to 69 and complete our member poll at • Raise payroll taxes www.amac.us! • Eliminate cost of living increases

AMAC Member Poll

38 | www.amac.us

Save62 $29 95

All this for ONLY

($79 combined retail value)

Holds up to 40 cigars

Promo Code T9380

It's the complete package for the smoker: twenty Thompson handmade, imported Dominican cigars, a dependable windproof lighter, and a solidly constructed cedar-lined divided humidor whose quadrant hinges, humidification system and hygrometer make it a veritable vault to protect your puros. This exquisitely fashioned humidor is handsome enough to grace any smoker’s desk. At the low, low price of $29.95 for a regular $79 value, this really is quite an offer. I’m making it to introduce new customers to Thompson & Co., America’s oldest mailorder cigar company. Since 1915 our customers have enjoyed a rich variety of cigars and smokers’ articles. Cigar sizes may vary.

1-888-234-8675

w w w. t h o m p s o n s p e c i a l s . c o m

Use promo code T 9 3 8 0 for special pricing

Get your Classic Combo 20 now! 20 top-notch handmade cigars, cedar-lined humidor and windproof lighter for ONLY $29.95 + $4.95 shipping (#926859). (All shipments to AK, HI, Guam, Virgin Islands and Puerto Rico must go priority mail - add an additional $10.00. Florida residents add 6% sales tax + appropriate county tax). Remittance of any taxes on orders shipped to a location outside of Florida is the responsibility of the purchaser. In the event we are out of a Premium brand, Thompson reserves the right to substitute another premium brand cigar or size, of equal or greater value. Lighter style may vary due to availability. All written orders MUST include your signature and date of birth. Limit one per customer. OFFER GOOD FOR 30 DAYS • NOT AVAILABLE TO MINORS AND GOOD ONLY IN THE USA

AUCTION – BID on Your Favorite Cigars! Start as low as $1 Go to: www.thompsoncigarauctions.com updated daily! We now carry: • Swisher Sweets • Phillies • Black & Mild...

America’s Oldest Mail Order Cigar Company, Est 1915 P.O. Box 31274 Tampa, FL 33631-3274 Fax: 813-882-4605 www.amac.us | 39

# Food: from Kathies’ Kitchen

Fresh from the Farmstand SUMMER HAS ARRIVED, and your local farmstand or farmer’s market will be piled high with an array of locally grown vegetables. Visiting the farmstand provides an opportunity to select fresh, nutritious produce in a good, old-fashioned setting. Local farmstands usually sell produce that has been picked within 24 hours, allowing the fruits and vegetables to ripen on the tree or vine – thus retaining more of the vitamins and minerals that are lost during shipping. Taste and nutrition are maximized – almost as good as growing your own. Try these recipes that showcase the best the season has to offer; a little bit of summer on a plate.

Tomato Pie 1 - prepared pie crust 3 Tbs. Dijon mustard 2 cups shredded mozzarella cheese 5 Roma tomatoes – sliced 1 ½ tsp. minced garlic oregano Parmesan cheese Preheat oven to 375 degrees. Fit the crust into the pie plate, and flute the edge. Prick the bottom and sides of the crust with a fork. Bake for 10 minutes. Remove from oven. Brush crust with Dijon mustard. Place the mozzarella cheese in the bottom of the crust. Top with sliced tomatoes. Sprinkle with garlic and oregano. Return pie to the oven and bake for 30 minutes. Sprinkle with Parmesan cheese and bake for an additional 10 minutes, or until golden.

40 | www.amac.us

for brightly colored vegetables which have blemish-free surfaces, and Look regular, characteristic shapes and sizes. “Veggie Tips” in-season fruits and vegetables. Buying at the right time of year Choose ensures the best flavor and lowest price. and discard any bruised or nicked items from bags of produce. Remove One moldy or slimy item can spoil the entire bag. only the fresh vegetables that you plan to eat within a few days. Long storage time reduces nutrient levels Buy and taste. Don’t wash vegetables before storing. Make sure all produce is dry. vegetables according to their type. Root vegetables, such as potatoes and onions should be stored in a Store cool, dark place. Placing them in a basket or brown paper bag will allow air circulation. Asparagus, beans, beets, carrots, broccoli and cauliflower should all be stored in the refrigerator crisper drawer.

vegetables thoroughly before cooking. Use a small scrub brush to help clean potatoes, cucumbers and Wash other vegetables whose skins are edible. vegetables taste just as good raw as they do Most cooked – toss chopped vegetables into a salad along with a variety of lettuces.

an alternative to the common boiling or Try steaming cooking method; grilling (asparagus, corn on the cob), sautéing (green beans, zucchini) or roasting (carrots, cauliflower).

canning or pickling summer Consider vegetables. Beans, carrots and tomatoes are especially good for canning. Cabbage, cucumbers and cauliflower for pickling.

Eggplant Flatbread 1 medium eggplant – cut into ¼ inch slices Coarse salt 1 ball of homemade or store-bought pizza dough All purpose flour 6 Tbs. olive oil 1 cup shredded mozzarella cheese 2 Tbs. fresh oregano - chopped Toss eggplant slices with 1 ½ tsp. of salt. Place in a colander, and let stand for 30 minutes. Press slices between paper towels to dry and set aside. Preheat the oven to 400 degrees. Place a baking sheet in the oven. On a floured surface, roll out dough to a ½ inch thickness. Sprinkle another inverted baking sheet with flour. Transfer the dough onto this sheet. Brush dough with 3 Tbs. oil. Sprinkle with ½ cup of cheese. Layer with the eggplant; and top with the remaining 3 Tbs. oil, oregano and ½ cup of cheese. Let stand for 30 minutes. Carefully transfer dough from the inverted baking sheet to the heated baking sheet. Return to the oven and bake for 20 minutes, or until the bottom of the dough is crispy and the edges are golden.

Zucchini Bread 3 eggs 2 cups sugar 1 cup vegetable oil 2 cups peeled, shredded raw zucchini 3 tsp. vanilla 3 cups all purpose flour 1 tsp. salt 1 tsp. baking soda ¼ tsp. baking powder 3 tsp. cinnamon 1 cup walnuts – coarsely chopped Preheat oven to 350 degrees. Beat eggs until light and foamy. Add sugar, oil, zucchini and vanilla. Mix well. Combine flour, salt, baking soda, baking powder and cinnamon in a separate bowl. Stir dry ingredients into egg mixture until well combined. Add nuts. Pour into 2 greased loaf pans. Bake for 1 hour or until a toothpick inserted in the center comes out clean. Cool on rack.

Cucumbers with Dressing 1 cup mayonnaise ¼ cup sugar ¼ cup white vinegar ¼ tsp. salt 4 cups cucumbers – peeled and thinly sliced Combine mayonnaise, sugar, vinegar and salt. Add cucumbers and stir to coat. Cover and refrigerate for 2 hours.

www.amac.us | 41

Just for Fun Crossword ACROSS 1. 5. 10. 14. 15. 16. 17. 18. 20. 22. 23. 24. 25. 32. 33. 34. 37. 38. 39. 40. 41. 42. 43. 45. 49. 50.

Go across In progress Room at the top Letterhead feature Stage between egg and pupa Wheel shaft ___-friendly Emancipation Relaxing Remainder Concealed Lifeless Unexploited Wavelike design Demean Tattered cloth Brought into existence Used a broom Palisade Half of two Anxious Packed Booking A Muse Website address Drunken revelry

53. 57. 59. 60. 61. 62. 63.

Gathered into a ruffle Powered by electricity It smells It comes from cows Hemorrhagic fever Completed Cards with just one symbol 64. Adult females 65. Flower stalk

DOWN 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13.

Aspersion Sit for a photo Matures Of the Arctic Make a disguised reference to Flunk Sphere Not under Container weight The language of ancient Rome Rust, for example Ground grain Article of faith 19. Comment to the audience

21. 25. 26. 27. 28. 29. 30. 31. 34. 35. 36. 38. 39. 41.

Half of ten Eardrum Midday Dreadful Grass gardens Overweight What we write on Estimate (abbrev.) Hindu princess As well Secluded valley Behold Marshes A freshwater fish

42. 44. 45. 46. 47. 48. 51. 52. 53. 54. 55. 56. 58.

Have the nerve Mr. Spock's planet Swelling under the skin Museum piece Poplar tree Pushpins They man a ship Vagabond Heap Honk Slave Consider French for "Name"

Solutions on pg. 34

Sudoku

Joke of the Month

☺

My wife is so thoughtful, When I asked for a hot breakfast this morning, she set my corn flakes on fire! Submitted by AMAC Member W.R. Shoemaker

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

42 | www.amac.us

Heard any good ones lately? Send them in!

Please submit your joke by emailing info@amac.us or mailing to Joke of the Month, c/o AMAC 5 Orville Drive, Suite 400, Bohemia, NY 11716. Your joke may be featured in our next magazine!

&& & " %

0B1>@5?191:@

105- &1>B5/1?

Public outcry over shocking survey results!

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 #A.85/ ;A@/>E ;B1> ?A>B1E @>5331>? ?;->5:3 019-:0 2;> @41 >-:710 )1031 &;A:0 &E?@19 -2@1> @41 ?A>B1E 2;A:0 ;2 <1;<81 2-B;>5:3 5@ ;B1> @41 9;>1 1D<1:?5B1 /;9<1@5@5;: :0 -@ - 2>-/@5;: ;2 @41 <>5/1 @41 )1031 5? =A5/78E @A>:5:3 5:@; @45? E1->I? 4;@@1?@ ?1885:3 ?;A:0 ?E?@19 @? 4534 1:0 ?;A:0 =A-85@E -:0 8;C <>5/1 4-? <1;<81 ?/>-9.85:3 -:0 6-995:3 <4;:1 85:1? @; 31@ ;:1 2;> @419 ?18B1? -:0 -? 352@? '41 2-/@;>E /-: .->18E 711< A< C5@4 @45? 21B1>10 019-:0 2;> @41 )1031 &;A:0 &E?@19 &A>B1E >1?A8@? ?4;C ;B1> ;2 <1; <81 <5/7 @41 :1C )1031 &;A:0 &E?@19 ;B1> @41 9;>1 1D<1:?5B1 A?5/ &E?@19 ;>1 <1;<81 <>1 21>>10 @41 )1031 .-?10 ;: ?;A:0 =A-85@E ?;A:0 /8->5@E :A9.1> ;2 21- @A>1? -:0 .A580 =A-85@E :0 ;2 <1;<81 ?-50 @41 )1031 4-? ?;A:0 1=A-8 ;> ?A<1>5;> @; @41 A?5/ &E?@19 :0 -@ ;:8E 5@ 4-? 9A?5/ 8;B1>? .AFF5:3 C5@4 1D/5@191:@ '4-@I? - ?-B5:3? ;> @41 25>?@ @591 -:E.;0E C588 .1 -.81 @; -22;>0 - @;< ;2 @41 85:1 ?;A:0 ?E?@19 #8A? @41 /;9<-:E @4-@ 4-? 01?53:10 @41 )1031 5? ;221>5:3 - 0-E ;:1E -/7 A-> -:@11 ?; @41 <A.85/ /-: 41-> @41 />E?@-8 /81-> ?;A:0 2;> @419?18B1? >5?7 2>11 @>A8E A:5=A1 -?<1/@ ;2 @41 )1031 5? E;A C588 :1B1> 4-B1 @; ?1@ @41 /8;/7 '41 )1031 5? -8>1-0E ?1@ 2;> E;A C41: E;A <8A3 5@ 5: -:0 1B1: -06A?@? 2;> -E 8534@ &-B5:3? '591 :;@41> A:5=A1 21-@A>1 5? @41 0A-8 .-@ @1>E .-/7 A< 2 @41 <;C1> 3;1? ;A@ @41 )1031 C;:I@ -:0 E;A> -8->9 C588 ?@588 3; ;22 *;A C588 :1B1> .1 8-@1 -3-5: :0 E;A /-: 85?@1: @; -:E <->@ ;2 E;A> 9A?5/ /;881/@5;: ;: E;A> )1031 >;9 ? -:0 # ? @; E;A> 2-B;>5@1 >-05; ?@-@5;: @41 )1031 <8-E? @419 -88 '41 )1031 1B1: ?@;>1? A< @; ;2 E;A> 2-B;>5@1 >-05; ?@-@5;:?

2;> =A5/7 -:0 1-?E -//1?? '; 31@ @41 ?/;;< ;: @45? :1C -:0 3>;A:0 .>1-75:3 @1/4:;8;3E ?<;71 @; @41 41-0 ;2 #>;0A/@ %1?1->/4 -:0 1?53: 2;> @41 )1031 #-A8 ;;09-: Q. How can you offer such a high quality sound system in the Wedge for only $147 when the Leading Brandâ&#x20AC;&#x2122;s radio goes for $500? )1 4-B1 01?53:10 @41 )1031 &;A:0 &E?@19 2>;9 @41 3>;A:0 A< 88 /;?@? ->1 /8;?18E 9;:5 @;>10 -:0 @4>;A34 ?@>1-985:10 9-:A2-/@A> 5:3 @1/4:5=A1 @41 )1031 5? -.81 @; .1 ;221>10 -@ @45? A8@>- 8;C <>5/1 Q. How can the tabletop Wedge Sound System produce such lifelike sounds? "A> ?<1/5-8 1:35 :11>5:3 @1-9 4-? 01B18 ;<10 - >1B;8A@5;:->E 01?53: 1:-.85:3 @41 )1031 @; 2588 - >;;9 C5@4 />E?@-8 /81-> ?;A:0 '41 )1031 4-? @41 <1>21/@ .-8-:/1 ;2 <;C1> 28;C5:3 @; 5@? ?<1-71>? ?; @41 ?;A:0 5? />E?@-8 /81-> C5@4 @41 B;8A91 ;: 8;C ;> 4534 Q. How easy is it to set up the Wedge Sound System? '41 )1031 5? 45348E -0B-:/10 .A@ 5? ?A<1> 1-?E @; A?1 ?;A:0 ?E?@19 88 @41 25:1 @A:5:3 4-? .11: 0;:1 2;> @41 /;: ?A91> ?; -88 @41E 4-B1 @; 0; 5? <8A3 5@ 5: -:0 1:6;E @41 )1031I? />E?@-8 /81-> ?;A:0 !; 253A>5:3 ;A@ C41>1 @; <8-/1 9A8@5<81 ?<1-71>? -:0 :; /;:2A? 5:3 C5>1? @; 4;;7 A< End of interview. %1-01>? /-: 31@ @41 )1031 &;A:0 &E?@19 C5@4 - % %19;@1 -:0 % ?45<<5:3 -:0 4-: 085:3 52 @41E ;>01> C5@45: @41 :1D@ 0-E? #81-?1 ?11 @41 &<1/5-8 %1-01>I? 5?/;A:@ ;A<;: ;: @45? <-31 ;> @4;?1 >1-01>? ;>01>5:3 -2@1> 0-E? C1 >1?1>B1 @41 >534@ @; -//1<@ ;>01>? -@ @41 05?/;A:@10 <>5/1 #8A? E;A C588 31@ % &45<<5:3 -:0 -: 085:3 ;9<81@1 -:0 9-58 5: @41 /;A<;: -@ @41 >534@ ;> /-88 2 85:1? ->1 .A?E <81-?1 @>E .-/7 E;A 0;:I@ C-:@ @; 95?? ;A@ ;: - ;C:5:3 - 4534 =A-85@E ?;A:0 ?E?@19 2;> ;:8E

Plug, Play, Listen Wedge Sound System shocks the music community! '41 :1C )1031 &;A:0 &E?@19 4-? 9A?5/ 8;B1>? .AFF5:3 C5@4 1D/5@191:@ !1B1> .12;>1 4-? - ?A/4 - 4534 =A-85@E ?;A:0 ?E?@19 .11: ;221>10 @; @41 <A.85/ -@ ?A/4 - 8;C <>5/1 5:-88E - 4534 =A-85@E ?;A:0 ?E?@19 -:E.;0E /-: -22;>0

Wedge has more features! Price Adjusts for Daylight Savings Time Stores 20 Favorite Radio Stations 2 Separate Battery Back-ups 2 Separate Alarms SD Memory Slot for Mp3s Displays Day of Week Nap Alarm Remote Control Able to Operate Without Remote Play Music From iPodÂŽ (mp3 player) #1 Pick in Survey

Wedge $147 YES YES YES YES YES YES YES YES YES YES YES

Leading Brand

$500 NO NO NO NO NO NO NO YES NO YES NO

Hereâ&#x20AC;&#x2122;s what a few of the thousands of Wedge listeners have to say: â&#x20AC;&#x153;The sound is so rich and clear from such a small piece. I was really amazed and pleased.â&#x20AC;? -Bronwyn M. Owens, Taylor, MI

â&#x20AC;&#x153;Radio has excellent sound. Its clarity is excellent and itâ&#x20AC;&#x2122;s like people are in the room. Who needs a stereo system!!â&#x20AC;? -Shelley Pearson, Poplar, WI

â&#x20AC;&#x153;Wow, you caught me off guard. The compact Wedge System sounds and looks great. I was very surprised...â&#x20AC;?

-Chuck Zabriski, St. Petersburg, FL

SPECIAL READERâ&#x20AC;&#x2122;S DISCOUNT COUPON Readers of this publication get a FREE Remote Control and FREE shipping B-8A1 C5@4 @45? /;A<;: -:0 <-E ;:8E 52 E;A ;>01> C5@45: 0-E? :0 31@ -005@5;:-8 ?-B 5:3? C41: ;>01>5:3 9;>1 @4-: ;:1 )1031? ->1 ;:8E 1-/4 -:0 ->1 ;:8E 1-/4 '4-@I? - ?-B5:3? ;2 A< @; '41>1 5? - ?@>5/@ 8595@ ;2 )1031 &;A:0 &E?@19? -@ @41 05?/;A:@ <>5/1 :; 1D/1<@5;:? <81-?1 G '; ;>01> .E <4;:1 /-88 '" % 1-800-588-5609 and give the operator your Offer Code: WDR318 #8-/1 E;A> ;>01> .E A?5:3 E;A> />105@ /->0 "<1>-@;>? ->1 ;: 0A@E ;:0-E >50-E -9 -9 &-@A>0-E -9 50:534@ -:0 &A:0-E -9

<9 &' G '; ;>01> .E /41/7 ;> />105@ /->0 2588 ;A@ -:0 9-58 5: @45? /;A<;: @; @41 -00>1?? .18;C '45? <>;0A/@ /->>51? - /;9<81@1 0-E ?-@5?2-/@5;: 3A->-:@11 2 E;A ->1 :;@ @;@-88E ?-@5?2510 E;A> <A>/4-?1 <>5/1 C588 .1 >12A:010 !; =A1?@5;:? -?710 ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,

! ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, % && ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, '* &' ' + # "

-9 ;>01>5:3 C5@45: 0-E? ;2 @41 0-@1 ;2 @45? <A.85/-@5;: @41>12;>1 31@ - FREE Remote Control <8A? FREE shipping and handling. E <>5/1 5? ;:8E 2;> )1031 ;:8E 2;> )1031? -:0 ;:8E 2;> )1031? $A-:@5@E ,,,,,, -9 ;>01>5:3 <-?@ 0-E? ;2 @41 0-@1 ;2 @45? <A.85/-@5;: @41>12;>1 0; :;@ 31@ @41 % %19;@1 ;> % ?45< <5:3 -:0 <-E :/8;?10 5? ,,,,,,,,,,, 5: 41/7 ;:1E ">01> -71 <-E-.81 @; & ;> /4->31 9E ( & -?@1> ->0 9 D< "<@59 5?/;B1> !;BA? //;A:@ !; ,,,,,,,,,,,,,,,,,,,,,,, D< -@1 ,,, ,,, MAIL TO: :@1>:-@5;:-8 ;91 &4;<<5:3 "221> ;01 ) % )45<<81 B1 !) -:@;: " ;> A?1 "221> ;01 ) % ;:85:1 -@ CCC C1031>-05; /;9

CALL 1-800-588-5609 www.amac.us | 43

Member Benefits Directory Use your Membership Card and save!!

2011 MEMBER: www.AMAC .US 1-888-2622006

Health, Insurance & 1-888-262-2006 Financial or online at www.amac.us

Hotels/ Motels

AMAC Medicare/Healthcare Insurance:

Red Roof Inn: 1-800-RedRoof

Medicare Supplemental coverage for those enrolled in Medicare A&B. Turning 65? Call AMAC Senior Resources Network to find out your options. Medicare Advantage Plans, Prescription Drug Coverage also available.

Motel 6: 1-800-4Motel6

AMAC Health Insurance Plans 50-64: AMAC offers a range of premier health plans that cover you and your family. Benefits include coverage for doctor visits, preventative care, prescription drugs, hospital stays, and more.

AMAC Long Term Care: Underwritten by Prudential Helps cover home care, assisted living or nursing home care.

AMAC Annuities: AMAC offers simple annuity plans that can guarantee an income stream for life.

AMAC Life Insurance: Help protect your family with affordable coverage.

AMAC Dental Plans: Get coverage for the most common dental procedures. You have the ability to choose your own Dentist, or work with a dental network.

Home & Auto AMAC Auto & Home Insurance Program from Travelers: 1-866-709-9713 Save money on your automobile & homeowners Insurance through Travelers Insurance Company.

Car Rentals

Choice Hotels: 1-800-4Choice Wyndham Hotel Group: 1-877-670-7088

National Personal Monitoring Devices and Discounts Alarm Services Personal Monitoring Devices and Alarm Services: 1-888-262-2006 Exclusive discounts for AMAC members. Personal Monitoring Devices. Low, low, rates. Compare & Save!

MedFlash 888-696-3346 AMAC Members will receive 3 months at no charge with the purchase of the annual program starting at $16.95, savings up to 30%

Online Shopping AMAC Shop Online: www.amac.us Shop online at over 1,000 brand name stores and receive up to 30% cash back.

Mature Driver Course Mature Driver Course: www.amac.us If you're over 55 and have a valid driver's license, you may save money on your car insurance just by taking an online accident prevention course.

Pet Supplies & Medication Pet Meds: 1-800-738-6337

Budget:1-800-527-0700

Identity Theft Protection

Hertz: 1-800-CarGold

LifeLock: 1-800-LifeLock

Avis: 1-800-230-4898

Hearing Care Beltone Hearing: 1-800-Beltone

To become an AMAC member and enjoy our member benefits, call 1-888-262-2006. AMAC - The Association of Mature American Citizens, Inc. | 5 Orville Drive, Suite 400 | Bohemia, NY 11716

44 | www.amac.us

Fun in the Sun

Who can forget? Harpist Lloyd Lindroth

continued from pg. 28

European settlers sparsely populated the Island and gardened, fished, hunted and raised livestock. Since a major shipping route ran past Hatteras, near the Island’s dangerous shoals, they may have combed the beaches for lost cargo from shipwrecks. The 1700s were hard on the Native Americans. Warring tribes, facing poverty and with no defense against European disease, diminished. Settlers logged and let their livestock roam freely, causing destruction to Island vegetation. Shipwrecks were common due to strong currents, winds and storms. With so many shipwrecks, salvaging for loot became a viable occupation. The Outer Banks were a noted haven for pirates including the infamous Blackbeard. In 1846 a hurricane caused an Inlet to open, separating Hatteras Island from Ocracoke, thus forming the Oregon Inlet. The Hatteras Inlet was deep and navigable, so Hatteras attracted maritime traffic. Visitors enjoy scuba diving, surfing, kayaking, fishing and bird watching. Cape Hatteras is located along the Atlantic Flyway, an important stretch of land for migratory birds. Bring your vehicle and take a ferry across to Ocracoke Island to explore the "Pearl of the Outer Banks." Go back in history to the place where the notorious Blackbeard fought and died in a naval battle. On Ocracoke, enjoy local wildlife such as the Ocracoke ponies; visit historic sites, shops and restaurants. The Wright Brothers Memorial, located in Kill Devil Hills, is another prominent site worthy of a visit. There’s a wide variety of things to see and do for all ages. Or, simply enjoy tranquil moments on the beach. It’s entirely up to you. Jutting out into the Atlantic, Cape Hatteras is also known for being in the path of Hurricanes moving up the East Coast. Hurricane Isabel struck in 2003, devastating the Island which has since recovered. If you plan your vacation during hurricane season, typically from mid August to September, you are encouraged to obtain travel insurance. Your reputable realtor from Hatteras will be happy to answer your concerns regarding coverage. Our family gathering on Hatteras was quite memorable. As our children grow, it is pleasing to know they will have memories of time shared not only with siblings and parents, but with cousins, aunts, uncles and grandparents. When I close my eyes, I can almost hear the waves meeting the shore, the eloquent violin music which filled the walls of "God’s Promise," and the sounds of our family singing the words to "Happy Birthday," colorfully yet quite off key. As I reminisce and replay scenes of our vacation in my head, one stands out in particular. It was a rather misty evening when I captured a glimpse of my father and daughter strolling side by side searching for shells in the sand. It’s one of those moments I’ll treasure forever. Make the Outer Banks of North Carolina the beautiful backdrop to your memorable family vacation.

We didn't forget.... www.harplandmusic.com

Hear Lloyd’s latest release!

Music of the Cascades 1. A Tribute to George Gershwin (Medley) 2. Fantasy Impromptu 3. Holiday For Strings 4. Malaguena 5. Tennessee Jubilee (Medley) 6. Beer Barrel Polka 7. America, We Love You (Medley) 8. Mac Arthur Park 9. Tribute To Elvis (Medley) 10. Granada Carneval (Medly) 11. In The Mood 12. Class N' Gas (Medley) 13. Amen 14. A World of Love (Medley) There is a lot of music on this CD with full orchestra and Lindroth's Las Vegas musical Show arrangements that brought audiences to their feet at every performance

See other Artists’ recordings at: www.harplandmusic.com

Love Drops 1. Unchained Melody 2. What are you doing the rest of your life 3. The Rose 4. Love Story 5. Somewhere In Time 6. Theme From Ice Castle 7. Pachelbel's Canon 8. Wind Beneath My Wings 9. The Summer of '42 10. Autumn Leaves 11. First Time Ever I Saw Your Face 12. Windmills Of Your Mind 13. Don't Cry For Me Argentina 14. Music Of The Night

• Harp! the Herald Angels SIng (Christmas CD) • Welcome To My World (Country Harp CD) • Golden Harp Treasury CD • What God Looks Like to Me

ORDER YOUR CDs TODAY! Each

Music of the Cascades (live) Love Drops

Qty.

Total

15.99 ____ ________ 15.99 ____ ________ Grand Total ________

Name: Address: City:

State:

ZIP:

Pay with PayPal at our website: www.harplandmusic.com OR Send check or money order payable to: George Michaud PO Box 16761 • Kansas City, MO 64133

www.amac.us | 45

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!

1-888-262-2006

Attention Business Owners: Every day the government is creating policies that punish you because you are successful Most business owners are fed-up with constantly changing rules that they must comply with. The rules change so you can “fail” their tests and they can come in to audit your business. Davis Maher & Associates is a Human Resources Consulting firm which is focused on solving the Human Resources problems that keep business owners awake at night.

Issues like:

Compliance - The Government has many “Departments” that you must comply with. Employee Issue - Lawsuits, Hiring and Firing, Compensation etc. Policies and Procedures - Imagine sitting across from the “Judge” as they review your Handbook and Job Descriptions.

Call us today:

46 | www.amac.us

RICK MAHER Direct 631 509 1742 Fax 631 509 1743 Mobile 631 365 9186 Rick.Maher@DavisMaher.net

www.amac.us | 47

See if you can save an average of $488* Are you getting the coverage you need, and the discounts you deserve? Find out how the Travelers Auto and Home Insurance Program for AMAC members can help you drive a better deal. Call today for your FREE, no-obligation quote.

1.866.709.9713 Or, visit travelers.com/amac

*Average savings based on new auto policyholder savings reported to Travelers through the Affinity marketing distribution channel in 2010. Individual savings may vary. Savings are not guaranteed. Insurance is underwritten by The Travelers Indemnity Company or one of its property casualty affiliates, One Tower Square, Hartford, CT 06183. 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, an independent, single-state subsidiary of The Travelers Indemnity Company. In TX: Auto insurance is offered by Travelers MGA, Inc. and underwritten by Consumers County Mutual Insurance Company. Coverage, discounts and billing options are subject to state availability and individual eligibility. ÂŠ 2011 The Travelers Indemnity Company. All rights reserved. PL-15467 New 6-11