AMAC Advantage Volume 9, Issue 1

Page 1

FEBRUARY 2015 $2.95

Courageous Conservatives in Hollywood Standing up to Double Standards

“In This Issue” ■■ The Race to The White House 2016 ■■ Alaska — A Trip of a Lifetime ■■ AMAC Leads the Charge on Social Security

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Publisher’s Letter

This is our year With the change in control of the House of Representatives and the Senate, conservatives are in the best position to achieve our goals since George W. Bush was president. C on g r e s s m a n Sam Joh n s on , Re pu b l ic a n f r om Te x a s , has ta ken a bold step to do somet hing about t he impending collapse of the Social Security Disability Insurance (SSDI) Trust Fund. He will not allow money to be transferred from the Old Age Trust fund to the Disability Trust Fund unless we fi rst address the fiscal stability of the Old Age Trust Fund. The Disability Trust Fund will run out of money in 2016.

by Dan Weber President & Founder, Association of Mature American Citizens

The AMAC Social Security Guarantee could well become the basis of solving the Social Security fi scal dilemma. We have scheduled a series of meetings with key leaders in Congress within the next few weeks. Also, we are organizing a Social Security workshop to be held on Capitol Hill in March. The workshop will bring together experts from several think tanks in Washington with Congressional Members and staffers. So keep a watch out for Social Security updates and a call for action when it is needed. In this issue we will cover notable actors and entertainers from Hollywood, and we hope you will be pleasantly surprised to discover the number of stars who are strong conservatives. We will also begin a series on the Race to the White House as we follow the candidates from both parties to next year’s presidential campaign and the election of a new president in 2016. History is being made at an amazingly fast rate in medicine so we have decided to include a new section on medical breakthroughs to help our members follow the latest in medical advances. Thank you to all the AMAC delegates who attended the fi rst delegate conference which was held at The Villages, Florida. Much was accomplished and the information we shared will give a big boost to our accomplishments in 2015. Sincerely,

Dan Weber, Publisher

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FEBRUARY 2015 • VOL. 9 - NO. 1

Cover Story

34 Conservatives in Hollywood

Contents Daniel C. Weber Publisher

Standing up to Double Standards

Rebecca Weber Keiffert Editor in Chief Pamela Smith Managing Editor Jedediah Bila Caroline Rayburn John Grimaldi Andrew Mangione Gerry Hafer D.J. Wilson Senior Contributing Writers Gia Ricottone Director of Advertising


Publisher’s Letter


Medical Breakthroughs

54 Kathie’s Kitchen Get Crackin’ – Cooking with Eggs

61 Lifestyle & Entertainment

10 Did You Know? 12 Money Understanding IRA Inheritance Rules

14 Your Medicare Advisor

French Quarter Festival

62 Just For Fun 64 AMAC in Action



What you can expect in 2015

16 Your Insurance Advisor Retiring? Review your Homeowners Insurance Mature American Citizens, Inc. 5 Orville Drive Bohemia, New York 11716

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The contents of Amac Advantage Magazine may not be reproduced without the publishers written consent. Amac Advantage Magazine provides information of a general nature with the understanding that neither AMAC nor its affiliates are engaged in rendering medical or legal advice or recommendations. Information provided should not be considered a substitute for a consultation with a licensed physician or attorney. AMAC Advantage (USPS 12240 is published quarterly, Winter, Spring, Summer, Fall, by the Association of Mature American Citizens, 5 Orville Drive, Ste. 400, Bohemia, NY 11716. Periodicals postage paid at Bohemia, NY 11716 and at additional mailing offices. POSTMASTER: send address changes to: Amac Advantage, 5 Orville Drive, Ste. 400, Bohemia, NY 11716

18 The Race to the White House


The 2016 Edition

24 Delegates Honor Roll 26 Social Security



AMAC Leads the Charge

30 Retirement Living Choosing the Right Destination

42 Travel



Alaska – Trip of a Lifetime

50 Member Benefits Directory | 5

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Medical Breakthroughs

Brain Wave “Miracle” Helps Returning Soldiers Suffering With PTSD Magnetic Resonance Therapy may help Autism & Alzheimer’s patients


ost Traumatic Stress Disorder [PTSD] has been the bane of many veterans who fought in the Iraq and Afghan wars, causing insomnia, panic attacks, alcohol abuse and even suicidal thoughts. Until now, there were few, if any, effective treatment alternatives. But, a new procedure using Magnetic Resonance Therapy developed at the Brain Treatment Center in Newport Beach, CA, may hold the key to a cure. Veterans who have successfully undergone the MRT treatment use terms like “miracle,” “game-changer” and “waking up” to describe the results they achieved at the BTC facility. PTSD is “what we used to call ‘battle fatigue’ or ‘shell shock’ and it manifests itself in a variety of debilitating ways. Returning soldiers are awakened in the midst of war-based nightmares. They experience panic attacks and some harbor thoughts of taking their own lives. One report showed an 80% increase in suicides among soldiers returning from the war fronts in the Middle East during the height of the wars in Iraq and Afghanistan.” AMAC is keeping a watchful eye on the MRT treatment alternative because of its potentially effective use in the treatment of Alzheimer’s disease. “But, the fact that it is helping our wounded warriors to cope with the aftermath of war is an important fi rst focus.” Many of the PTSD treatments to date have focused on the symptoms of the disorder; the MRT procedure appears to concentrate on the workings of the brain itself. As Dr. Kevin T. Murphy, Vice Chair of the Department of Radiation Medicine and Applied Sciences, UC San Diego Medical Center, put it: “Addressing the core frequency mismatch that occurs in various parts of the brain,

8 |

and not the patient’s symptoms per se, allows this system to be potentially useful in numerous psychological and neurological disorders, from autism to Alzheimers.” Dr. Yi Jin, medical director of the Brain Treatment Center, is careful in an encouraging way when he describes the successes of the BTC’s new therapeutic approach. “We are not claiming efficacy, but we are seeing clinical responses that are positive.”

by John Grimaldi Early Warning System for Recurrent Prostate Cancer Mike Hawker’s prostate cancer is not in remission. As his doctor says, it’s just “on probation.” So every six months, Hawker travels from his home in Alaska, where he serves in the state legislature, to Rochester, Minnesota, where doctors at the Mayo Clinic track down even the tiniest new tumors in his body using an ingenious new technique. “It helps you hunt down this otherwise invisible cancer,” says Eugene Kwon, MD, a cancer researcher who helped developed the technique. Dr. Kwon, like any smart hunter, uses food to lure his prey. In this case, a molecule called

choline. “The weird thing is that, for whatever reason, prostate cancer loves to eat choline,” says Kwon. “So there is a very rapid and a high uptake of choline by prostate tumors.” Kwon’s technique involves marking the choline molecule so it lights up under a PET scan. A blood test might reveal that Mr. Hawker’s cancer has returned, but not where to fi nd it. Kwon says “in one fell swoop” it’s changed how quickly doctors can respond to new cancer. “Instead of waiting around for months and losing time,” he says, “we can make very rapid assessments in terms of how effective or ineffective a treatment is.” “When I got here, I had but three or four weeks left to live,” Hawker says. “Right now I’ve got a long horizon again, and I’m living every minute to the fullest.” Information obtained from

Did You Know? The End of an Era In reviewing the make-up of the newly-convened 114th Congress, the Association of Mature American Citizens (AMAC) notes that there is not a single veteran of World War II sitting in the House of Representatives or in the Senate. Michigan’s John Dingell, who is 88 years old, and 91-year-old Ralph Hall of Texas are the last of the Greatest Generation to serve. Dingell, a Democrat, enlisted in the U.S. Army in 1944 when he turned 18 and rose to the rank of Second Lieutenant. He was first elected to the House of Representatives in 1955 and holds the distinction of being the longestserving member of Congress. Navy Lieutenant Hall, a Republican, joined up in 1942 and was an aircraft carrier pilot. He was elected to the House

if you are a member of the senior set. For example, British investigators at the University of Southampton found that ballroom dancing helped patients with Parkinson’s Disease become more sure-footed after taking up ballroom dancing. The illness is

prevalent among seniors and so the researchers concluded that it can help even healthy individuals in old age. “Dancing involves turning and stepping to a rhythmical beat from the music, which can help to improve their mobility. The principles behind the dancing - people have to move their feet, turn their bodies and take big steps – were carefully chosen to enhance what clinicians are doing during rehabilitation,” said Professor Ann Ashburn, who headed up the study. The Tango tops the list of dances with benefits, according to other scientists.

scene when the warblers took flight, noting that they were in the process of determining whether the birds could be fitted with tracking devices. It appears that the birds were able to sense the impending disaster in time to escape. In fact, as reported in the scientific journal, Current Biology, “The birds evacuated their breeding territories 24 hours before the arrival of the storm and the atmospheric variation associated with it.” Henry Streby of the University of California, Berkeley was the lead scientist on the scene. He said: “The warblers in our study flew at least 1,500 kilometers total to avoid a severe weather system. They then came right back home after the storm passed.”

Least Productive Congress? Not This One, Barely! It turns out the 113th Congress did not produce the fewest laws since the days of Harry Truman. But it was pretty darn close. Thanks to a late flurry of bill signings by President Barack Obama, the perpetually gridlocked Congress that just adjourned has had 286 bills enacted into law during its two years of work. That’s according to

Bird’s Eye View in 1980 and has held his seat for 17 terms. Veterans’ advocate Seth Lynn, director of the independent Veterans Campaign, said “World War II, as awful as it was, broke down tons of barriers.” Those who served, he said, developed a “camaraderie that lasted for the rest of their lives.” Representative Hall said the bond held firm among members of Congress who served in the Great War. “When we differed on the issues, we respected each other and chose to respectfully disagree. That was part of our military training and experience.”

Dance! It’s Good for You Did you dance up a storm on New Year’s Eve? Good for you. Keep it up because it’s good for you, especially

10 |

Can birds warn of impending disaster? According to a new report, a breeding flock of golden-winged warblers in eastern Tennessee made an extraordinary run for it a day before 84 tornados touched down, ravaging the area. Scientists were on the Congressional Records. The number includes 51 that the White House says Obama signed on December 17th, 2014. The 286 laws barely exceed the 283 enacted by the previous Congress. But both totals are the lowest in Congressional Records dating to the 1940s. And the numbers pale compared to what Truman called the “do-nothing Congress” of 1947 and 1948. It saw more than 900 measures enacted.

Magnets and Cooking – An Attractive Combination! You’ve probably heard the phrase “It’s not rocket science,” and you’ve probably even heard that phrase applied to activities as commonplace as cooking and meal preparation. Traditionally, the core of the cooking process—the use of heat energy— has evolved from the “primitive” days of wood and coal to the “modern” days of electric and gas, with varying opinions of the pros and cons of each. Nowadays, the norm is pretty much either gas or electric, with size and design really being the only variables. So while this part of the cooking process might seem a bit routine and unchanging, you might want to start paying attention to a new technology— induction stovetop cooking—that’s looming on the horizon. Well, maybe looming isn’t actually correct, since it’s been around for a few decades, but like most technologies, its price points have begun to drop to levels where the general marketplace is beginning to view it as a viable alternative. But what is induction cooking, and how does it differ from conventional types? In simple terms, the traditional “burner” is replaced by a powerful high-frequency electromagnet that does not generate heat, but rather makes the molecules of the cooking vessel itself generate the heat that does the job. On the internet, you can find photos of induction cooking in progress, showing ice cubes sitting intact beside a cut-away iron skillet frying an egg. Only the material within the skillet is subject to heat. Cooking time is controlled by regulating the strength of the magnet. On the upside, induction stovetops offer easy installation (stovetops are roughly as thick as the kitchen counter), and they’re relatively easy to keep clean (since the stovetop itself is not heated and not subjected to cooking spillovers). Also, they are reported to be cheaper to operate, and can be installed where gas service doesn’t exist. On the downside, making the jump to an induction stovetop is still relatively expensive, although the prices are coming down.

The real cost of going with this technology is the need to replace your aluminum, glass, Pyrex, or copper cooking vessels with products made with electromagnetic materials. As the technology improves and multiplies, it just may offer you an interesting upgrade to your kitchen arsenal. Keep an eye on it and do your research, though, before you make the move.

Some Fascinating Statistics The website is a prolific source of little (and sometimes big) snippets of information that provide answers to questions many of us never even thought to ask. For example, did you know that 1.2 billion watches are sold annually? And that more than three quarters of these are mechanical, while only 23% are electronic. Or did you know that the average price of an item sold at a garage sale in the U.S. is 85 cents? In fact, the 165,000 garage sales conducted each year produce a total revenue of $4.2 million, and the average profit garage sale purchasers make on resales through eBay is 462%. And then there’s the auto industry. Did you know that 65 million cars are produced each year, with 16.7 million of these produced in China compared to the 4.5 million produced in the U.S.? Visit the site and

you’ll be amazed at the wide range of little-known statistical information available, all of it un-interpreted, just reported. Of course, this isn’t the type of stuff that keeps you up at night, but knowing little tidbits of minutiae like this can serve you well when you fall into an impromptu trivia contest! ★


2. Disclaim (decline to inherit) all or part of the assets.

exist, the assets will pass to the original IRA owner’s spouse and then to the estate. A decision to disclaim IRA assets must be made within nine months of the original IRA owner’s death and before you take possession of the assets. This is an irrevocable decision. Therefore, it’s critical that you consult a tax adviser or attorney before disclaiming IRA assets. Determine whether you are listed as someone’s benefi ciary. While it may be a sensitive topic to broach with parents, siblings, or others, knowing in advance that you are listed as a beneficiary can help you avoid potentially costly mista kes. As life events such as marriage, divorce, and deaths occur, it’s in your best interest (and the IRA owner’s) to confirm that beneficiary designations are up to date. Remember that IR A beneficiar y designations supersede a will. Commingling of IR As is not permitted. If you inherit different types of IRAs (Roth, traditional, SEP, etc.) from other IRA owners, you cannot combine them into a single inherited IRA. As for commingling IRAs of the same account type, the answer differs based on whether they were inherited from the same original owner or different owners. Consult a tax adviser regarding this situation. Distribution rules will vary for entities such as trusts, estates, or charities. Also, note that the Supreme Court recently ruled that an inherited IRA held by a non-spouse beneficiar y is not exempt from attachment by creditors under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. While some states have laws that still may protect inherited IR As, for a non-spouse beneficiary living in a state without such laws, the inherited IRA is now treated as any other account owned by the beneficiary for bankruptcy purposes, and may not be protected under bankruptcy from claims by creditors. It is not clear whether and how this decision affects an inherited IRA held by a spousal beneficiary. Beneficiaries should be reminded to speak to their lawyer or tax adviser before taking any distribution from a retirement account or if they have specific questions regarding protection from creditors.

If you decline to accept all or part of the IRA assets you are entitled to, they will pass to the other eligible beneficiaries. If no other beneficiaries

For further information please contact a RoseMark IRA Service Advisor at 888-730-6565. ★

Understanding IRA Inheritance Rules


f you are the owner or a beneficiary of an IRA, it is important to understand the rules that govern IRA inheritances and the tax consequences associated with them.

The rationale behind the creation of IRAs was quite simple; however the rules for inheriting and distributing assets upon the death of an IRA owner have become anything but. If IR A owners and their beneficiaries are not careful, they could end up paying higher taxes or penalties and forfeiting the opportunity for future tax-advantaged growth. Here is what you need to know about inheriting IRA assets as a beneficiary: The rules for inheriting IRA assets depend on your relationship to the original IRA owner and the type of IRA owned. There are also two important ages to keep in mind as you mull your options: 70½ and 59½. The IRS requires IRA owners to start taking required minimum distributions (RMDs) no later than April 1 following the year in which they turn 70½. These rules also apply to whoever inherits an IRA. In addition, distributions taken prior to age 59½ (either by the IRA owner or the inheritor) could be subject to a 10% early withdrawal penalty, depending on the type of IRA. Your ultimate course of action will be determined by your age, the age of the IRA owner, your income needs, and the type of IRA you inherit. As a beneficiary, you do not have the option of rolling the assets into your own IRA. If you inherit IRA assets from someone other than your spouse, you generally have two options from which to choose:

1. Transfer the assets to an inherited IRA beneficiary distribution account. When you transfer assets from a traditional IRA into an IRA beneficiary

by John D. Caffrey, CFP 12 |

distribution account (inherited IRA), the rules for RMDs still apply. This means that, regardless of your age, you must withdraw a certain amount of money from your inherited IR A each year, based on your age and life expectancy. Generally, you have until December 31 of the year following the original IRA owner’s death to take your fi rst RMD. Each year thereafter you will be required to take an RMD until the account is depleted or you pass away, at which time the assets will pass to your beneficiaries. The beneficiary’s RMDs will be calculated using your age in the year following your death and based on the Single Life Expectancy table. If the original IR A owner died before reaching age 70½ (before RMDs would be required of the original owner), you also have the option of distributing your inherited IRA under the fi ve-year rule. This allows you to take distributions however you like without penalty, so long as all assets are completely distributed from your inherited IRA by December 31 of the fifth year following the IRA owner’s death. Discuss with your tax adviser the potential tax implications of this accelerated withdrawal. If the original IR A owner died after reaching age 70½, then you must continue to take annual RMDs from your inherited IRA. When you establish an inherited IRA, be sure your IRA custodian registers the account properly. The account registration should include the name of the person who died, an indication that the account is an IR A beneficiar y distribution account, and the inheritor’s name. Note that different IRA custodians may have varying interpretations of the IRS’s rules regarding account registrations.

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What you can expect to pay for Medicare Services in 2015 Each year there are changes to Medicare’s deductibles, co-payments and co-insurance. These amounts can either increase or decrease, though more often than not they increase. This can be problematic for seniors who are living on a tight budget. Below is a comparison chart of 2014 and 2015 Medicare charges. Some costs may be higher for individuals who earned over $85,000/year, and for married couples who earned over $170,000/year in 2013. The chart will focus mainly on any changes, and the most used services. For a complete list of Medicare covered services and costs please visit or look in your 2015 Medicare & You Handbook. ★ Part A Services 2014


If you are not eligible for premium free Part A benefits, you can purchase them for up to $426 per month

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Inpatient Hospitalization: Deductible Days 1 - 60 Days 61 - 90 Days 91 - 150 (Lifetime Reserve Days can only be used once)

$1,216 $0 $304 co-payment per day $608 co-payment per day

$1,260 No change $315 co-payment per day $630 co-payment per day

Skilled Nursing Facility: Days 1 - 20 Days 21 - 100 Days 100 and beyond

$0 $152 co-payment per day You pay all costs

No change $157.50 co-payment per day No change

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Part B Services

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After total yearly drug costs reach $2,850

After total yearly drug costs reach $2,960

Co-insurance during the Coverage Gap

You pay 72% for generic drugs and 47.5% of brand name drugs

You pay 65% for generic drugs and 45% of brand name drugs

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After your total yearly drug costs reach $4,700

Catastrophic Coverage Costs

The greater of a 5% co-insurance or a $2.55 co-payment for generics and brand name drugs treated as generics, and a $6.35 co-payment for all other drugs

The greater of a 5% co-insurance or a $2.65 co-payment for generics and brand name drugs treated as generics, and a $6.60 co-payment for all other drugs


All services must be Medicare-approved services to get coverage by Medicare. Co-insurance is based on Medicare-approved amounts.

by Diana Wisniewski

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Review Your Homeowners Insurance for Your Financial Health


s you start thinking about and eventually move into retirement, there are many things to consider that relate to one’s personal fi nances. The reality is that your priorities - and your budget - change once you retire. Be sure to take some time to review one important aspect of a personal finance profile - your homeowners insurance. By ensuring your home and its contents are sufficiently protected, you will be more confident moving to the next stage of your life. When reviewing your homeowners insurance policy, two important considerations are appropriate coverage and available discounts. First, review your policy with an insurance representative to help ensure that you are maintaining an appropriate level of coverage. In the event of a loss, you want to make sure you have the coverage needed to rebuild your home. Note, the market value of a house is not a reliable indicator of the amount of insurance you need because the cost to rebuild takes items into consideration such as construction type, raw materials, specialized work needed, and building codes.

If you haven’t already done so, familiarize yourself with the specifics of your policy. Typical components of a Homeowners policy should include: Other structures coverage: This pays for covered damages to detached structures like garages, sheds, fences and cottages on your property. Personal property coverage: This covers your personal belongings - whether in your home or elsewhere, which could include your furniture, clothes, sporting goods and electronics. Loss of use coverage: This pays your additional living expenses if necessary in the event of a covered loss. Liability insurance: Provides protection against your personal liability in the event someone is injured or their property is damaged by you or a family member. Deductible: A deductible is the amount you would pay out of your own pocket before the insurance coverage takes over. The amount you choose for your insurance deductible depends on how much you’re prepared to pay if you have a covered loss. Have you recently purchased a bigticket item, jewelry, or perhaps some art? Think about asking your insurance representative about valuable items coverage, which you may need to ensure these items are protected.

your Insurance Advisor

16 |

Next, consider how you might be able to save on cost. One way to save time and money is by insuring your homeowners and auto policies with one company. Having all policies with the same insurer means less to remember. Many insurers will give you the option to receive a single bill which is an added convenience. One insurer also means a

single point of claims assistance, making it easier to fi le a claim should something go wrong. Other potential cost savings could include:

✓ “Loss-Free” discounts, which are offered to eligible customers who have not experienced a loss within a specified time period. ✓ Safety devices within the home such as: • Smoke detectors and alarms • Interior sprinkler systems • Home security systems such as deadbolts, alarms and 24-hour security guard ✓ If you’re buying a new home or condo into retirement, a home-buyer discount may be available to customers who have purchased their home within the prior 12 months to the policy effective date. While this insurance coverage is a helpful fi rst step, it provides only some of the basic information needed to start a conversation about managing your risks. Connect with your insurance representative to discuss your specific situation. You may also want to consider a free, no-obligation quote on the coverage you need through the Travelers Auto and Home Insurance Program, especially since members have access to special savings. Learn more at travelers. com/amacadvantage or discuss your insurance needs with a licensed Travelers insurance representative, toll free, at 1-888-892.1234.

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2016 Presidential Race

The Race to the White House: 2016 Edition


he dust has barely settled after November’s GOP tidal wave of a midterm election, but the 2016 election mania is already setting in. Although none of the perceived frontrunners have formally announced an intent to run, several others have either already declared or are openly flirting with the idea. The media is ablaze with presidential speculation and political insiders and grassroots activists are drawing up the battle lines for what is sure to be a contentious primary season – at least on the Republican side. The Republican primary field is likely to be a lot wider and a little more contentious than the Democratic primary. Jeb Bush, long the favorite choice of the more establishment wing of the Republican Party and its all-important donor base, has risen to

JEB BUSH frontrunner status. The former Florida governor and son and brother of two former presidents still has to overcome the hostility of movement conservatives if he is to win the nomination and have an energized party for the general election. It was an obstacle that Mitt Romney faced in 2012 but was nonetheless able to overcome. Speaking of Mitt Romney, the former nominee and two-time runner just might

by Peter A. Finocchio 18 |

be thinking of getting back in the game himself. Although previously adamant against the idea of a third bid, sources close to the former Massachusetts

MITT ROMNEY by Gage Skidmore

governor believe he may be changing his tune. Still, despite growing interest in another Romney candidacy, like Webb, Romney must overcome the perception as the candidate of yesteryear, and, like Bush, overcome the disaffection of the base. Still, he’s an already heavily vetted and rehearsed candidate with a solid donor base, so third time really could be the charm. The Republican waves of 2009, 2010 and 2014 have been particularly massive at the state level and have fueled the ascendance of several prominent Republican swing state governors, who are likely presidential candidates. The likeliest of these candidates is Wisconsin Governor Scott Walker. Thrice elected governor (he faced an attempted recall in 2012 by union foes) in four years, Walker arguably possesses the most accomplished record of any Republican in the country, certainly of any Republican in a blue or swing state.1 When Walker was fi rst elected in 2010, Wisconsin faced a daunting budget deficit of $3.6 billion. By the end of his first term in office, it had become a $911 million surplus. This is while significantly reducing taxes. Walker’s most famous and most significant achievement has been to curb the

power of his state’s powerful public sector unions by taking away collective bargaining, reforming pensions and implementing merit pay. Walker has also been a champion for school choice in education, a critical issue for

SCOTT WALKER by WisPolitics

conservatives that has wide appeal because it increases opportunity for the next generation. It would be foolish for anyone to write off Walker. He may not be the frontrunner at the moment, but he has what it takes to emerge as a strong dark horse candidate as the field begins to shrink. With so much talk of factionalism within the GOP, Walker is one of the few candidates who may be able to appeal to the entire party: Tea Party activists, “establishment” donors,

2016 Presidential Race Christie. Christie was on a roll in his fi rst term in office. One of his greatest accomplishments was spearheading significant changes to New Jersey’s pension system for public employees early on in his fi rst term. He withstood heavy protest from New Jersey’s public unions, especially the teachers, but the legislation was ultimately passed by a Democratic legislature and signed into law. His approval skyrocketed by the end of his fi rst term thanks to his handling of Superstorm Sandy and his ability to build a diverse coalition of support despite his famously blunt mannerisms. It looks, however, that “The Guv” has seen better days. Traffic problems in Fort Lee pale in comparison to the Garden State’s budget woes. As a more moderate Republican, Christie, like Jeb and Romney, will have a difficult time winning over the conservative

social conservatives, libertarians and independents alike. We should continue to watch him with great interest. So far, the only governor who has officially announced that he intends to run is former Texas Governor Rick Perry. Perry surged early on in the 2012 presidential campaign but declined after a poor debate performance showed that he was not ready for prime time. He

is vindicated. Perry has a number of qualifications. I can think of three right away. He has nearly a decade and a half of executive experience, he is a proven conservative and… oops, I forgot the third. Unfortunately his big “oops” moment remains the biggest, if not the only thing, that many voters remember about his failed 2012 campaign, and he still has a lot of work to do to regain his former clout as a serious contender. Governor Bobby Jindal of Louisiana has done a remarkable job in getting his State recovering from the lingering

RICK PERRY by Robert Scoble

claims that this time will be different. Perry faces a felony indictment over a veto he issued in an attempt to force the resignation of a local district attorney, who pleaded guilty to driving while intoxicated. The charge, however, is widely acknowledged to be bogus and could even give him a boost once he

BOBBY JINDAL effects of the devastation wrought by hurricane Katrina so he remains a viable candidate. Another governor eying the White House is New Jersey Governor Chris

CHRIS CHRISTIE base. Furthermore, unlike other GOP governors like Walker, he lacks the ability to boast massive achievements and results. A heavily Democratic legislature is partially responsible for this, but the buck nonetheless stops at the top in the eyes of most voters. Kentucky Senator Rand Paul is the darling of young libertarian voters and is far more pragmatic and electable than his father. Paul earned his spot at the leadership table last fall by aggressively campaigning for Republican candidates across the country. He boasts an impressive record of building relationships with unlikely allies, whether working with Democratic Senator Cory Booker to reform criminal justice laws or joining forces with the establishment-oriented Chamber of Commerce to help candidates with whom he doesn’t see eye-to-eye on a lot of his own libertarian causes. In doing so, he has distinguished himself from other Tea Party leaders and has earned CONTINUED ON PAGE 20 | 19

2016 Presidential Race

The Race to the White House: 2016 Edition CONTINUED FROM PAGE 19

the respect, if not the endorsements, of many of his former ideological foes within the GOP. Senator Rand Paul’s biggest hurdle remains convincing

after he spearheaded the passage of a comprehensive immigration bill in the Senate derided by many Republicans as

Arkansas Governor Mike Huckabee and neurosurgeon Ben Carson, will both do well with evangelical voters. Unfortunately, their appeal beyond this segment of the party will be slim pickings. Huckabee carries many of the liabilities of both a Tea Party and

MARCO RUBIO RAND PAUL voters that he is not his father. With the rise of ISIS in the Middle East, voters need to be assured that Paul will not neglect America’s international obligations. Senator Paul recently had a very public social media feud with another potential 2016 presidential contender, Florida Senator Marco Rubio. When President Obama moved to normalize relations with Cuba in December, he found a Republican ally in the libertarianminded Paul. Rubio, however, was the President’s sharpest critic. The ensuing debate between Paul and Rubio couldn’t be more symbolic of the heated foreign policy battle raging within the GOP between the Party’s libertarian faction, led by Paul, who advocates for more diplomatic and economic engagement combined with less military intervention and economic sanctioning of our foes, and its traditional proponents of American leadership via a more muscular foreign policy. Rubio competes with fellow Floridian Jeb Bush for the Sunshine State’s prized swing votes. As a Cuban American, Rubio has greater ability to connect to Hispanic voters than most of his fellow presidential hopefuls. As a son of refugees from Castro’s regime, he is well-equipped to make the case for the necessity of American leadership in dealing with Cuba and other hostile nations, as was seen in his recent spat with Paul. Yet although a Tea Party favorite during his 2010 ascendance, Rubio’s support among conservatives waned in 2013

20 |

an amnesty bill. Since losing that fight, however, Rubio has worked diligently to repair his image among conservatives. Many Tea Party activists remain hopeful of a Ted Cruz nomination. Glenn Beck continues to promote him as the best hope for conservatives. Senator Cruz rose to fame – or infamy, depending on whether you are a “Whacko Bird” or a “RINO,” during

TED CRUZ his 2013 ObamaCare showdown that resulted in a government shutdown that many still blame on him. His defiance of Republican leaders has earned him both the scorn of party pragmatists and the praise of many grassroots conservatives. The portion of movement conservatives who are more socially conservative or prefer a more aggressive foreign policy will find in Cruz a more agreeable choice than Paul, while most of the more libertarian-minded conservatives will flock to the latter. Electability will still be a major concern of primary voters when evaluating Cruz and may cause many would-be supporters to instead opt for someone like Walker or Paul. Two of the earliest candidates to announce intention to run, former


by David Ball

an “establishment” candidate with few of the benefits of either. At a time when Republican pragmatists foresee a need to expand the tent when it comes to positions on social issues, Huckabee is known more than anything else for being a hard-liner on divisive issues such as gay marriage. At the same time, however, he often comes under fire from conservatives for not being steadfast enough on economic issues. These handicaps give him very little room to expand his appeal either to Tea Party affi liated voters or to the donor class. Carson, meanwhile, is largely unknown and owes his political clout chiefly to a single speech. Unlike other more established candidates, he has yet to be

BEN CARSON by Gage Skidmore

fully vetted as a candidate. Furthermore, while sending the virtuous political outsider to clean up Washington is CONTINUED ON PAGE 22


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2016 Presidential Race WHITE HOUSE – CONTINUED FROM PAGE 20

a long-cherished ideal of American populists (see, for instance, Mr. Smith Goes to Washington), sending someone with no political experience to the highest office in the land isn’t. Voters who admire Dr. Carson’s principles will likely try to seek out a more experienced standard bearer who shares those same principles. Another likely “also-ran” is former Pennsylvania Senator and 2012 runner-up Rick Santorum, who last month announced that he too is eying another run for the White House. Should he choose to run, Santorum

RICK SANTORUM by Gage Skidmore

will be in a similar situation as Huckabee. Santorum, like Huckabee, is a social conservative hard-liner and an economic populist running in a party that is becoming increasingly socially moderate and fiscally conservative. Santorum came close in 2012, but with so many other candidates ascending into prominence, he is unlikely to come as far this time around. The list of prospective Democratic candidates is far shorter than its Republican alternative. A decisive majority of Democrats are coalescing around Hillary Clinton. She appears to be her party’s consensus candidate and is a surefire favorite for the nomination. Even so, it’s already becoming clear that while the Democratic primary may be a cake walk, it won’t be a coronation. Only one candidate has formally announced an exploratory committee on the Democratic side and – surprise – it isn’t Hillary, but former Virginia Senator Jim Webb. Webb announced his presidential aspirations in a low-tech webcast video in late November, garnering little media attention. As the National Journal wrote at the time of his announcement, Webb represents the Democratic candidate of

22 |

yesteryear, appealing to the Democratic voters of yesteryear. 2 The one-time Virginia Senator and former Secretary of the Navy under President Reagan prides himself in his ability to work across the aisle and seek common ground in a party that appears much less willing to do so than in the days of Tip O’Neil or Bill Clinton. Webb is a candidate whose primary appeal would come from blue collar, working class whites – historically the cornerstone of the Democratic coalition but now only an afterthought – responding in-kind in recent elections to the perceived abandonment. Whereas Webb attempts to challenge Hillary from her right, Massachusetts Senator Elizabeth Warren could pose a more significant, yet still probably futile, threat to her from the left. Although she has repeatedly said she isn’t running, liberal groups are urging her to do so. MoveOn.Org has started a petition to demonstrate their support.3 A Democratic primary featuring both Webb and Warren will showcase eviscerating criticism of Clinton from both sides, greatly weakening her for the general election in the same way that Mitt Romney was hindered by his many primary opponents in 2012. Should one of them manage to win the nomination, either in a stunning upset or an equally stunning decision by Clinton not to run, they would have to overcome a great lack of name recognition in the case of Webb and a great deal of controversy in the case of Warren.

record here, as Secretary of State, is dismal. Benghazi, the “Russian reset” and the rise of ISIS aren’t going to win her any accolades on foreign policy. Hillary has already shown that she isn’t going to be the type of consensusbuilding candidate that Bill was. Her rhetoric on the campaign trail is closer to that of Obama and Warren. At a recent event, she told a crowd of supporters that corporations don’t create jobs. Class warfare, while appealing to the Democratic base, will not win her middle America. If Hillary does not start singing a different tune soon (“Don’t Stop Thinking About Tomorrow” is a good recommendation), then Obama fatigue will add to the already latent Hillary fatigue. While the Democrats have a decisive frontrunner for their nomination at the moment, the GOP field is wide open. It is very likely that some of the names on this list may ultimately choose not to run. It is even more likely that others not mentioned will throw their hats into the race. It is a long road to nomination. This is not necessarily a flaw for the Republican Party, though. As an ideologically diverse party that champions individual freedom as one of its core tenets, it is fitting that the GOP would offer a broad range of options for voters and engage itself in healthy, spirited debate from time to time. The path to sustainable victory for the Party, however, is to rise above pitting one faction against another and to rally behind candidates who can unite Republicans, while simultaneously rallying independents under its banner. Division has often been a tool that the Left has used for its own gain. To provide a stark contrast with the Democratic Party, Republicans must be the party that brings people together.

HILLARY CLINTON Any bets taken on the Democratic nomination should be on Hillary Clinton. The election, however, is another story. While her role in her husband’s presidency could enable her to run a nostalgic campaign contrasting today’s polarization with her husband’s bipartisan achievements, this opportunity is thwarted by her role in the Obama Administration. Her

1 Murdock, Deroy. “Scott Walker’s Sterling Record of Limited Government.” National Review Online. http://m. 2 Kraushaar, Josh. “The Curious Case of Jim Webb. National Journal. Nov. 25, 2014. http:// the-curious-case-of-jim-webb-20141125 3 Kimball, Shiloh. “Elizabeth Warren for President 2016.” MoveOn.Org. http://pac.petitions.

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2015 AMAC Delegate HONOR ROLL The AMAC Delegate Program is off to a strong start. Thanks to the volunteer efforts of your fellow AMAC members, we now have approximately 231 Congressional Districts assigned to Delegates. And we’re growing every day. Ultimately, we’d like to have an AMAC Delegate in all 435 Congressional Districts in the United States. Won’t you please join us? Please visit or call 888 262 2006, ext. 1035 to become an AMAC Delegate.

Honor Roll

Meet your AMAC Delegates! AK


Raphael Betit . . . . . . . . . . . . . AL Steve Marineau . . . . . . . . . . AL Barbara Struble . . . . . . . . . . AL

AL Dwight Adams. . . . . . . . . . . . .02 Kenneth Barber . . . . . . . . . . .03 Elizabeth A. Farrar . . . . . . . .03 Joan Johnson . . . . . . . . . . . . .04 Donald Allen. . . . . . . . . . . . . . .04 John Sheppard . . . . . . . . . . . .05

AR Richard Coller . . . . . . . . . . . . .01 Gary Jefferson . . . . . . . . . . . .02 Terry Thompson . . . . . . . . . . .04

AZ Anne Wiser. . . . . . . . . . . . . . . .03 Ron Nordin . . . . . . . . . . . . . . . .04 Pat McAuliffe. . . . . . . . . . . . . .05 Judy Kopulos . . . . . . . . . . . . . .06 Linda Brickman. . . . . . . . . . . .06 David Handrahan. . . . . . . . . .07 Ted Farmer . . . . . . . . . . . . . . . .08 Mike Kapic . . . . . . . . . . . . . . . .08 Devora Krischer. . . . . . . . . . .09

CA Robert Nielsen. . . . . . . . . . . .04 Richard Graeser. . . . . . . . . . .05 Jacqueline Siefferman. . . .08 Peter Petroski . . . . . . . . . . . . .11 John Lose . . . . . . . . . . . . . . . . .22 Martin C. Kuban . . . . . . . . . . .23 Gerald Todd. . . . . . . . . . . . . . . .23 Logan McFadden. . . . . . . . . .26 Edward B. Carrigan . . . . . . .31 Brad Lusk . . . . . . . . . . . . . . . . . .33 Mike Dempsey . . . . . . . . . . . .36 Greg Parker . . . . . . . . . . . . . . .39 Paul DeSimone . . . . . . . . . . . .42 Mary Anne English . . . . . . . .42 Jack Closson . . . . . . . . . . . . . .48 George Gouldsmith. . . . . . . .48 Denise Hunter . . . . . . . . . . . . .49 Fredrick Yerrick . . . . . . . . . . .52 Matt Mendoza. . . . . . . . . . . . .53

CO Charles Riggs. . . . . . . . . . . . . .01 Jay Lykins . . . . . . . . . . . . . . . . .02 Tom Linn . . . . . . . . . . . . . . . . . . .04 James Cook . . . . . . . . . . . . . . .05 David C Kelley . . . . . . . . . . . . .06 Frank Baysore . . . . . . . . . . . . .06 Ronald Bella . . . . . . . . . . . . . . .06 Charles Riggs. . . . . . . . . . . . . .07

CT James Mandro . . . . . . . . . . . .03 Frank V Barba . . . . . . . . . . . . .04 Robert Sonnelitter. . . . . . . . .05




Geoffery Heald . . . . . . . . . . . .08 MS



Vernon Bishop. . . . . . . . . . . . .24 Steve Czonstka . . . . . . . . . . . .01 KS Reggie Turnage . . . . . . . . . . .03 George Linder . . . . . . . . . . . . .25 David Sharpe . . . . . . . . . . . . . .03 Bob Cheney . . . . . . . . . . . . . . .01 Paul Earley . . . . . . . . . . . . . . . .03 Timothy Andrews. . . . . . . . . .25 Juanita S. Melchior . . . . . . .03 Randell Phalp. . . . . . . . . . . . . .03 Robert Kranz. . . . . . . . . . . . . . .04 Roy Lindberg . . . . . . . . . . . . . .27 OH William Lulias . . . . . . . . . . . . .06 KY MT Earliene Shipper . . . . . . . . . .06 Dick & Melodee Scott . . . .01 John Klare . . . . . . . . . . . . . . . . .01 Sharilee Beynon . . . . . . . . . .07 Gerald Ling . . . . . . . . . . . . . . . .04 James Green . . . . . . . . . . . . . .01 Paul Ingram Jr. . . . . . . . . . . . .02 William Rogers . . . . . . . . . . . .04 James Borona. . . . . . . . . . . . .07 Steven McEwen. . . . . . . . . . .01 John R. Bowker . . . . . . . . . . .04 Jon Park . . . . . . . . . . . . . . . . . . .04 Donald O’Rourke . . . . . . . . . .07 Michael Reynolds . . . . . . . . .05 NC Robert P Scarboro . . . . . . . .08 LA Christiana Marinescu . . . . .06 Terry Buczkowski . . . . . . . . .10 Richard Bienvenu . . . . . . . . .01 Robert Appleby. . . . . . . . . . . .01 Brian Lake . . . . . . . . . . . . . . . . .07 Elmer Duane Powers . . . . .11 Bill Preston . . . . . . . . . . . . . . . .03 Robert Drummond. . . . . . . . .02 Rita Fullerton . . . . . . . . . . . . . .08 Jerry Townsend . . . . . . . . . . .11 Edward (Ted) McWhorter 04 James S. Jones Jr . . . . . . . .02 Stephen Capella. . . . . . . . . . .08 Evelyn Dodd . . . . . . . . . . . . . . .12 Shirley Heaton . . . . . . . . . . . .04 Milton Ludwigson . . . . . . . . .03 Carole Banks . . . . . . . . . . . . . .09 Jeff Heath . . . . . . . . . . . . . . . . .13 Donald Crist . . . . . . . . . . . . . . .05 Sandra Sanderson . . . . . . . .03 Dean Schrickel . . . . . . . . . . . .10 John Shipman . . . . . . . . . . . . .13 Dick Juneau . . . . . . . . . . . . . . .06 Kenneth Long. . . . . . . . . . . . . .04 Jeffrey Dondero . . . . . . . . . .10 Gordon Ondra . . . . . . . . . . . . .15 Clarence Alcon. . . . . . . . . . . .05 James R. Monath . . . . . . . . .12 MA Scott Rankin . . . . . . . . . . . . . . .16 Robert Palisin . . . . . . . . . . . . .08 Victoria Todd-Smith . . . . . . .14 James H. Keil. . . . . . . . . . . . . .17 John Wainionpaa . . . . . . . . .09 Brenda L. Dobrick . . . . . . . . .13 Mary Mashburn . . . . . . . . . . .15 CAPT John McCandless, MD Edward Marshall . . . . . . . . . .13 Brian Lake . . . . . . . . . . . . . . . . .16 USN(Ret). . . . . . . . . . . . . . . . . . .19 Robert Steinen . . . . . . . . . . . .01 Dan Carro. . . . . . . . . . . . . . . . . .13 OK Steven Laine. . . . . . . . . . . . . . .22 Joe Brewster. . . . . . . . . . . . . .02 ND Rob Curry . . . . . . . . . . . . . . . . . .01 David Monaco. . . . . . . . . . . . .23 Guy M. Miller . . . . . . . . . . . . . .03 Melody Lee-Carte . . . . . . . . .27 Janice Perry. . . . . . . . . . . . . . .04 Jerome Youngberg . . . . . . . .01 Kevin Stephenson. . . . . . . . .01 Wayne Boan. . . . . . . . . . . . . . .02 NE GA David Cochran . . . . . . . . . . . .06 Richard VanEsler. . . . . . . . . .05 James R. Hoy Jr.. . . . . . . . . .02 Bill Damaska . . . . . . . . . . . . . .06 Greg MacDougal . . . . . . . . . .01 Brad Kuiper. . . . . . . . . . . . . . . .01 OR Nathan Warnock . . . . . . . . . .02 Rev. Claud L. Don Wiseman . . . . . . . . . . . . .03 Beth Ann Elmsa . . . . . . . . . . .02 Asbury, M. Div. . . . . . . . . . . . .07 Bill Nevins . . . . . . . . . . . . . . . . .05 Fred Divis . . . . . . . . . . . . . . . . . .03 Robert W. Morgan . . . . . . . .02 Ron Yurick . . . . . . . . . . . . . . . . .06 ME Jeffrey Poppe . . . . . . . . . . . . .02 John Lynam. . . . . . . . . . . . . . . .06 Ron Bovasso . . . . . . . . . . . . . .01 NH Jay Warman. . . . . . . . . . . . . . .07 Elena Abbene . . . . . . . . . . . . .01 PA MI Maria Keller . . . . . . . . . . . . . . .09 Albert C. Jones . . . . . . . . . . . .02 Thomas McFatea. . . . . . . . . .03 Dennis Israel . . . . . . . . . . . . . .09 Dave Klimsza . . . . . . . . . . . . . .01 NJ Raymond Bostarda. . . . . . . .06 Wayne L Stahl . . . . . . . . . . . . .01 Gerald Hallman. . . . . . . . . . . .10 Dave Williams . . . . . . . . . . . . .06 William Patrick Dannie Reynolds . . . . . . . . . .10 Isabelle Terry . . . . . . . . . . . . . .03 *Richard F. Bregstein . . . . .06 McNamee . . . . . . . . . . . . . . . . .01 Vince Romao . . . . . . . . . . . . . .11 Patricia R. Browne . . . . . . . .04 Valerie Spelman. . . . . . . . . . .06 Joseph P Coyle. . . . . . . . . . . .03 Lyndon Smith . . . . . . . . . . . . . .14 Gordon Trute . . . . . . . . . . . . . .04 Edward Durfee . . . . . . . . . . . .05 Rev. Brian Betsworth . . . . .11 Carl M. Blumberg . . . . . . . . .04 HI Andrew Chismar . . . . . . . . . .10 Ronald J. Palmgren . . . . . . .05 Arthur Katz . . . . . . . . . . . . . . . .05 Dick Guernsey. . . . . . . . . . . . .12 Lewis Chartrand. . . . . . . . . . .02 Karen Young . . . . . . . . . . . . . . .05 Rev. Steven Prudie Potter . . . . . . . . . . . . . .15 ID Joseph E. Scrima. . . . . . . . . .06 Maness Ph.D. . . . . . . . . . . . . .06 David Koeffler . . . . . . . . . . . . .16 John Gervato . . . . . . . . . . . . . .09 George Thomason Sr. . . . . .01 Regina Chapman . . . . . . . . . .06 John Loughman . . . . . . . . . . .18 Linda Fox . . . . . . . . . . . . . . . . . .01 Tom Platek . . . . . . . . . . . . . . . . .07 NM SC Lester G. Preader II . . . . . . .02 Kathleen Tootell . . . . . . . . . . .09 Charles McMillian . . . . . . . .01 Gloria English. . . . . . . . . . . . . .10 Thomas Lentner . . . . . . . . . . .02 Art Bush . . . . . . . . . . . . . . . . . . .03 IL Jeffery E Cordell . . . . . . . . . .03 W. Kent Clarke Jr JD. . . . . .11 Jim Harbison LTC-USA Philip Kolar . . . . . . . . . . . . . . . .03 James P. Mack . . . . . . . . . . . .11 Tony McClure. . . . . . . . . . . . . .03 (Ret.) . . . . . . . . . . . . . . . . . . . . . . .02 Barry McCallum. . . . . . . . . . .05 Dave Cortright . . . . . . . . . . . . .12 Charles Morgan . . . . . . . . . . .05 NV Donald Moore . . . . . . . . . . . . .06 Walt Reckinger. . . . . . . . . . . .12 Michael Shanlian, PHD . . .02 Robert Smith. . . . . . . . . . . . . . .08 Chuck Harmon . . . . . . . . . . . .02 SD MN Patti Howard . . . . . . . . . . . . . .12 Gail Bush . . . . . . . . . . . . . . . . . .02 David Sherrill . . . . . . . . . . . . . .13 Thomas Schleck . . . . . . . . . .01 Judith Smith . . . . . . . . . . . . . . .03 Ronald Ehrisman . . . . . . . . . .01 Thomas Adcock . . . . . . . . . . .13 Tim J. 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Social Security

AMAC Leads the Charge on Social Security


n the wake of November’s midterm elections, Capitol Hill has undergone a significant political transformation that has changed the face of Congress. This newfound identity will likely have a profound, positive impact on AMAC’s ability to advance its legislative priorities and to raise awareness for the prevailing issues of importance to mature Americans and seniors. Social Security and its long-term financial sustainability have long been of chief concern to AMAC members. For this reason, AMAC crafted a plan to ensure Social Security’s solvency, seeking the input and approval from AMAC members along the way. AMAC’s plan – the Social Security Guarantee – accomplishes several important objectives. First, we project it will make Social Security solvent, or able to pay benefits owed, for 80 years once implemented. Most importantly, it does this without raising taxes, a fundamental requirement of AMAC members. By adjusting COLA rates based on income levels, increasing the age of retirement and modifying the Primary Insurance

by Caroline Rayburn

26 |

Amount, AMAC is able to secure the program for future generations of beneficiaries. Moreover, AMAC recognizes that Social Security was never intended to be the sole source of income for retirees. To help workers save more of their own money over the course of their careers without privatizing the program, AMAC added a voluntary, taxdeductible Early Retirement Account (ERA) to compliment the other major components of the Social Security Guarantee. Workers who contribute to an ERA – which cannot be accessed until age 62, or upon death or total disability – would have a true lockbox of money on which they could rely during retirement. AMAC’s Social Security Guarantee has been presented in more than 200 Republican and Democratic congressional offices over the last two years and has been met with modest approval. Often, AMAC’s meetings have served an educational purpose, as we have found it necessary to explain the current financial strain on the program and demonstrate the repercussions that inaction by Congress will have on the 50+ demographic. While AMAC’s outreach has been widespread, it has also been targeted. On numerous occasions, AMAC has met with the Members and professional staff of the House Ways and Means Committee, including the Subcommittee on Social Security, as well as the Senate Finance Committee and the Committee on Health, Education, Labor and Pensions. Strong relationships with Members who sit on committees of jurisdiction are critical to AMAC’s ability to positively influence the legislative process on this issue. Meetings and conversations have even extended into the private sector where AMAC has sought input and support from the business community, think tanks and other associations.

Conversations about the future of Social Security with all of these groups, including elected leaders, have been productive and insightful, but they have yet to produce real action. The legislative process – designed intentionally by the founding fathers to be slow and difficult – has been particularly rigid since 2010. With a new Congress now positioned to lead the country in a different direction, however, the stage is set for a revitalized effort to make Social Security a key priority in the 114th Congress. AMAC stands ready to play its part! Kicking off a busy first quarter in Washington, AMAC plans to meet with top lawmakers with authority to set the agenda for the next two years. AMAC will also strive to make personal introductions to the incoming freshmen Members, who will need to be brought up-to-speed on our advocacy positions and goals. Our efforts at the beginning of 2015 will build toward a signature event in March on Capitol Hill. AMAC will

Social Security

Kicking off a busy first quarter



AMAC plans to meet with top lawmakers with authority to set the agenda for the next two years. AMAC will also strive to make personal introductions to the incoming freshmen Members, who will need to be brought up-tospeed on our advocacy positions and goals. facilitate a Social Security Working Group that will bring together Members of Congress and policy experts to evaluate viable solutions that will make the program financially sustainable for future beneficiaries. Functioning much like a roundtable discussion, Stephen Moore, Chief Economist at the Heritage Foundation, will serve as the moderator, helping to provoke a realistic and meaningful dialogue that lays the groundwork for congressional action on Social Security. Though the window to act responsibly and in a way that will benefit seniors becomes increasingly more difficult the longer Congress chooses to kick the can down the road, hard numbers and the astronomical growth in mandatory federal spending only help to reinforce AMAC’s advocacy message. The most recent elections revealed that Americans are sick and tired of out-of-control government spending, and Social Security payouts are the driving force behind increased

spending. The latest report issued by the Congressional Budget Office (CBO) revealed that in Fiscal Year 2014 alone, spending on Social Security totaled $840 billion, nearly one-quarter of all federal spending.1 AMAC understands that this spending level is not just unsustainable, but it is detrimental to the economy as a whole. Commitment to AMAC’s cause, principles and mission is essential to effecting policy change in Washington. AMAC looks forward to engaging with the new Congress to enact legislation that will improve the lives of mature Americans and seniors, while helping to provide younger Americans with certainty as they prepare for retirement. With the support of our 1.2 million members, AMAC believes our voice in the nation’s capital will be heard. ★ 1

Puzzle Solutions Puzzles on page 62

1 “CBO 2014 Long-Term Projections for Social

Security: Additional Information.” Congressional Budget Office. Dec. 18, 2014. | 27

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Retirement Living... Choosing the Right Destination for You


lanning for retirement is a process that has multiple dimensions, beginning of course with taking the right steps to build the financial framework you’ll need to live comfortably. Then there’s the matter of maintaining your health so that you can get the most – physically - out of those leisure years. While these are arguably the two most important steps in the process, there’s a third leg to this stool that tends to require a matching level of thought: where to spend your “golden years.” Selecting a retirement destination is not an easy or quick step to take. Clearly, the task requires a considerable amount of research and careful planning, accompanied by the review of a mindboggling supply of “helpful” articles and blogs presenting suggestions on the ideal place for you and your spouse to re-root yourselves. Just pick up any popular magazine or news service publication and you’ll encounter someone’s opinion on “the best places to retire.” Unfortunately, these are just opinions developed and weighted based on a slate of metrics or parameters that may or may not fit your individual situation.

Getting started So, what’s the best way to approach this task? Just like any major project in life, it’s

by Gerry Hafer 30 |

a good idea to start by carefully defining what you’re looking for in a retirement locale. It sounds simple, but it’s really pretty complex, especially considering that relocating can be a major ordeal for many people, and considering that it tends to get more and more traumatic the older we get. This process of carefully defining your situation will likely focus on a variety of topics, including: ■ Climate - Do you want to be in an area where the seasons are clearly defined (like the Upper Midwest), or would you prefer year-round beach weather (like South Florida or Southern California)? Or would your ideal climate be an area where the extremes of winter and summer are more moderate (like the Coastal Mid-Atlantic states)? ■ Family and friends – Is it important to you to be able to be in relatively close proximity to your loved ones? Or can you deal with a lengthy trip to visit? ■ Health needs – Does the area you’re considering have the quality and quantity of health care services you’re likely to need throughout your retirement years? ■ Cost of living – Are your retirement assets adequate for the area? In other words, what’s the general cost of living compared to what you’re accustomed to? Don’t forget to factor in such items as state and local income taxes and sales taxes, property taxes, etc.

■ Real estate values – If you plan on being a homeowner in retirement, are property values in the area rising or declining? Even if you do not plan on continuing to be a homeowner, remember that real estate values tend to drive prices in other housing segments, so this tends to be an important consideration. ■ Job and activity opportunities – If you’re planning on working in retirement, either as a pastime or out of necessity, what does the labor market look like for the type of work you want to do? If you’re planning on seeking entertainment or hobby-type activities during your retirement, does the area offer enough in the way of outlets for your energy? ■ Transportation systems – While it may not be critical to you during the early years of your retirement, the availability of public transportation can become a fundamental requirement

Are you sure you want to pull up stakes?

in later years. Does the area offer an adequate transportation infrastructure that will meet your needs? ■ Culture – What level of social interaction are you seeking? Will you be able to adapt to the local customs in a way that will facilitate your becoming a part of the local culture without undue stress or difficulty? ■ Crime and security – Are you comfortable with published crime statistics for the area you’re considering? Likewise, does the area have reasonable security provisions, like police protection and emergency services? Channeling your thought processes through a set of topics like these - and others that serve to define your specific personal situation - will help you narrow your choices, and will give you a much clearer perspective on what’s ideal for you as you plan for retirement.

There’s one big step you should consider before going through the process just described, and that’s the step of determining if you really want to relocate at all. If you’re leaning this way, you might be surprised to learn that you’re not alone… not by a long shot! In fact, a recent Kiplinger article titled “The Benefits of Aging in Place” reports that “almost 90% of people over 65 want to live in their home and community as long as possible” and that “80% believe they will stay in their home until they die.” 1 Under this scenario, a growing number of seniors are opting to remain in their family homes, living on their own and eventually living with some form of in-home assistance. Some take this approach for financial reasons, while others simply do not care to give up the familiarity of the home they’ve lived in for so many years. No matter the reason, it’s clearly a concept that appeals to an increasingly large segment of our country’s maturing population. Local governments and policymakers have begun to embrace this concept as a viable option for seniors, spurred in part by the inevitability of future citizens opting to remain right where they are. The 2010 United States Census reports, for example, that the age 60+ population in our country will reach a level of nearly 74 million households by 2020,2 an increase fueled by the Baby Boomer wave. With the number of mature adults selecting “aging in place” over geographic relocation, communities are ramping up to change the ways that they serve their constituents. Naturally Occurring Retirement Communities (NORCs) are one emerging trend attributed to the “aging in place” movement. NORCs are in essence a village-based concept in which private agencies, residents, and neighborhood associations band together to provide support to the seniors living in their area. NORCs aggregate services (like transportation, home repair and

maintenance, health care and social services) and make them available to residents at relatively low cost. The result is substantial convenience to seniors as they live out their lives in the comfort of the homes and communities they’re most familiar with. Home-sharing is another gradually emerging alternative for seniors preferring to age in place. In this simple concept, homeowners offer accommodation to homesharers in exchange for an agreement to divide household expenses and household maintenance tasks. Like NORCs, shared living arrangements offer attractive options to seniors, and have spawned organizations and resource centers designed to assist individual homeowners and communities in establishing programs and clearinghouses for residents.

Best places to retire No matter what route you plan to take - relocation or aging in place - there is no shortage of opinion about the most attractive or desirable destinations.

As mentioned earlier in this article, of course, the published lists are simply conclusions based on parameters that may or may not be reflective of your situation. Nevertheless, they do tend to be interesting, and they do provide CONTINUED ON PAGE 32 | 31


Retirement Living when locations like Florida’s Miami and St. Petersburg; San Antonio, Texas; and Phoenix, Arizona showed up. Even then, the higher-ranking cities included a surprising number of northern locations, like Spokane, Washington; Morgantown, West Virginia; and Grand Rapids, Michigan.

So, how do you decide?


fascinating insights into many areas of the country. If there’s a problem with this type of information, it’s most likely one of overload, since an internet search on any given day will give you dozens of lists to consider. Given the proliferation of opinions about the “best” places to consider, we’ve elected to stay silent on our opinion of the “best” place for those who wish to relocate, opting instead to do a simple analysis of what the multitude of experts, specialists, and professionals have to say. To do this, we executed a quick internet search on the term “best places to retire,” and were quickly rewarded with more than 20 lists, and that was only five browser pages into the search. The authors of the lists we examined ranged from news services like U.S. News and World Report, Forbes, and Bankrate. com, to topically focused sources like, great, and, and even included general web content sites like msn. com and The lists we looked at each weighed the merits of locations based on a varying set of criteria, from income levels to the desire

32 |

for warm weather, from broad variations in available recreation opportunities to physical safety and security, from tax implications to post-retirement job opportunities, and quite a few in between. From these diverse lists, we developed a simple roster of the most frequentlycited retirement destinations, and the results tracked pretty much along expected lines, with the states of Texas, Florida and Arizona placing in the top three. Since most pre-retirees typically tend to think “sun and sand” and “beach” when contemplating spending their post-retirement years, the state-level results were not surprising (although California only wound up tied for fifth). The city-level results, though, produced somewhat of an unexpected result, with Pennsylvania’s “Steel City,” Pittsburgh, garnering the most individual nominations as the place to go. Tied for second at the city level were four cities comprising a wide geographical swath across the country. They included Boise, Idaho; Bellingham, Washington; Austin, Texas; and Augusta, Georgia. The “Deep South” wasn’t represented until the 18-way tie for sixth place,

Perhaps Forbes put it best with a statement in their “Best Places” study: “Of course, no nationwide list can take into account your own personal considerations such as wanting to stay near friends and family.” And, as we pointed out earlier in this article, the lists that appear regularly in the media suggesting retirement destinations are simply the results of a set of criteria that are not individualized to you in any way. By all accounts, it’s your decision, and it’s got to be based on your situation, your

needs, and your family dynamic. Whatever you decide, remember that your retirement years will hopefully be a major segment of your life, a segment where peace and comfort are likely to be your ultimate objective.

1 2 Data/2008_Documents/Population.aspx

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fingertips. From the moment you open the box, you’ll realize how different the WOW Computer is. The components are all connected; all you do is plug it into an outlet and your high-speed Internet connection. Then you’ll see the screen – it’s now 22 inches. This is a completely new touch screen system, without the cluttered look of the normal computer screen. The “buttons” on the screen are easy to see and easy to understand. All you do is touch one of them, from the Web, Email, Calendar to Games– you name it… and a new screen opens up. It’s so easy to use you won’t have to ask your children or grandchildren for help. Until now, the very people who could benefit most from E-mail and the Internet are the ones that have had the hardest time accessing it. Now, thanks to the WOW Computer, countless older Americans are discovering the wonderful world of the Internet every day. Isn’t it time you

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Hollywood Conservatives

Courageous Conservatives in Hollywood M

usica l pop-sta r a nd former Destiny’s Child singer Beyoncé Knowles and her rapper husband Jay Z are well-known in Hollywood circuits. They are equally recognized in Washington as friends of the Obamas. In 2009, Beyoncé performed at the president’s inaugural ball and at his swearing-in ceremony in 2013. The couple has also hosted fundraisers for the President. It’s no big secret that they support liberal values. They are not shy to tweet out their beliefs and to stand with controversial Al Sharpton on his emotionally charged calls for racial justice. After the “not guilty” verdict for Zimmerman in the Trayvon Martin case, Beyoncé asked for a moment of silence during her Mrs. Carter Show World Tour Concert in Nashville, Tennessee. She also took to her Instagram account to share her disappointment on the outcome of the Ferguson case with her 21 million followers. Mass media is as quick as a thirsty cat lapping water to praise Beyoncé for her political expressions through her use of social media and beyond. Increasingly, the press is joining Hollywood in rallying behind the beliefs of popular liberals. Meanwhile, conservatives in support of their own principles are increasingly coming under fire. Let’s examine 8 Hollywood conservatives whose personal beliefs were chastised by the Goliath liberaldriven media.

by D. J. Wilson 34 |

Standing up to Double Standards Clint Eastwood Age 84 - American actor, director, producer, musician and politician. East wood has received multiple awa rds a nd nom i nat ions wh ich include Academy Awards, Golden Globe Awa rds, People’s C hoice Awards and Directors Guild of America Awards. His most recent accomplishment is his direction of the blockbuster hit American Sniper. The movie, starring actor Bradley Cooper, opened with an historic $107 million over the three day Martin Luther King Jr. weekend. The biographical war drama film tells the story of Chris Kyle, a Nav y SEAL sniper and deadliest marksman in U.S. Military histor y. Under East wood’s direction, the movie is an honest portrayal of a man who saved countless lives on the battlefield. W hile critics are blasting American Sniper as pro-war propaganda, Eastwood engages the audience to recognize the complexity of the issues of war and its overall

effects. His desire to stand up to liberal Holly wood to share Kyle’s story proves that Eastwood can’t be pushed around. Eastwood is divorced with 7 children. He runs his own production company and ser ved as mayor of Carmel-by-the-Sea in California from 1986 to 1988. When he won the election, President Ronald Reagan telephoned him and quipped “W hat’s an actor who once appeared with a monkey in a movie doing in politics?” In general, Eastwood’s main alliance with conservatives is his belief in less governmental interference in the sectors of private economy and in the private lives of individuals. He identifies himself less as a Republican and more as an Independent. When Eastwood appeared at the 2012 Republican National Convention as Romney’s surprise speaker, he was raked across the coals by the media who characterized his presentation as “rambling” and ridiculed his speech to an empty chair. While the press and some Holly wood individuals had a field day

Tom Selleck Age 69 - American actor and film producer best known for his role as private investigator Thomas Magnum in the television series Magnum, P.I.

poking fun at Eastwood, his points were not lost on conservatives who loved his speech and totally agreed that 23 million unemployed people in the nation was an absolute national disgrace under President Obama.

He appeared in movies such as Three Men and a Baby and in the popular television show Friends and he is currently starring in the hit television show Blue Bloods. Selleck has a star on the Hollywood Walk of Fame and has won awards including Golden Apple, People’s Choice, Golden Globe awards and an Emmy. The actor is married to long-time spouse and actress Jillie Mack and has one daughter. In political terms, it is suggested that he regards himself as a libertarian. As a longtime supporter of gun rights and the NRA, he made headlines when he was confrontationally challenged by Rosie O’Donnell on her daytime talk show in 1999. Despite O’Donnell’s discourteous interruptions, Selleck defended his civil liberty rights and pointed out the need for a pro-responsible society. The interview left Selleck little time to promote his movie, which was the reason for his appearance on her talk show. Most believe the awkward exchange and negative reaction which followed led to Selleck’s desire to keep his personal views out of the limelight. Selleck says “It’s not that conservatives don’t care. We do. We just have different answers than liberals do. It’s a difference of the mind, not of the heart.”

Candace Cameron Bure Age 38 – American actress, model, producer, director and author.

Tom Selleck

She is best known for her role as D.J. Tanner on the ABC television series Full House, a part she played from ages 10 to 18. In 2014, she was a 3rd place contestant on Dancing with the Stars. She starred in Hallmark Channel Movies and penned a book entitled Reshaping It All on how to make better choices. Candace has been happily married to former NHL player Valeri Bure since 1996 and they are raising three children. She became a Christian in her 20s and credits her faith for the strength in her marriage. Last year she came under fi re for using the word “submis-

Candace Cameron Bure sive” to describe her role in her marital relationship. The word comes from the Bible and her use of it was not intended to carry negative and harmful connotations. Based on her religious values, she simply wants her husband to lead. Meanwhile, the media took her comments out of context and generated a fi restorm of controversy. She is frequently still misunderstood.

Jim Bob Duggar Age 49 – American real estate agent, politician and television personality on the reality series 19 Kids and Counting. He is a former state legislator who served in the Arkansas House of Representatives from 1999 to 2002. He married Michelle Ruark in 1984. They are raising 19 children and in recent years have become grandparents. He and his family are Independent Baptist Christians and apply a Christian perspective to everyday living. The family has taken an uncompromising stance on topics such as marriage, abstinence and pro-life. The Duggars have voiced their religious beliefs defi ning the sacredness of marriage between a man and a woman. This created a media backlash and caused the homosexual lobby to launch an anger-filled petition asking TLC to cancel the top-rated show. Continued on Page 36 | 35

Continued from Page 35 Unwavering in his religious values, Jim Bob replied with the following comment, “We love everybody, but we don’t always have to agree with them.” A counter-petition was started by Christians and fans to encourage TLC to continue airing the show.

Janine Turner Age 52 - American actress, producer, director, author, Conservative radio talk show host. She is best known for her roles as Maggie O’Connell in the 90s television series Northern Exposure. More recent acting roles include her performance as Dr. Dana Stowe on Strong Medicine and an 8 episode run on Friday Night Lights. Despite some high profile romances, she has never been married and is raising one daughter. Turner and her daughter began an organization called Constituting America to educate all ages on the U.S. Constitution. As founder and cochair of the organization, she hopes to share with adults and students the importance of our freedom and our rights. On the radio, she openly expresses that her strong political views have likely hurt her career as an actress to a certain extent. Turner claims there are instances which have cost her jobs in Hollywood due to her vocal conservatism. Despite this, she remains true to her traditional values.

Janine Turner

36 |

Janine’s most recent book is a memoir entitled “A Little Bit Vulnerable - On Hollywood, God, Sobriety & Politics”. She opens up about her private life, her heartbreaks and triumphs, and shares why she’s called to preserve American principles.

Stacey Dash Age 47 - American actress best known for her role in the 1995 feature film Clueless and television spinoff. She appeared in music videos for Carl Thomas and Kanye West. In 2014, she became a Fox News Contributor for “cultural analysis and commentary.” Dash, who has been through a series of tumultuous relationships, is currently divorced and is raising two children. In her early life, she describes a rough upbringing as the child of drug addicted parents. She was influenced positively by her 6th grade teacher and quickly learned the value of education. In 2012, Dash tweeted an endorsement of Republican presidential candidate Mitt Romney. Many of her followers on Twitter responded with racial insults and criticism, with some suggesting she commit suicide. Dash tells it like she sees it. She openly criticized Jay-Z and Beyoncé for their 2013 trip to Cuba. She asked her Twitter fans if they “care that The Jay Zs have taken the capital you have given them and funded a communist oppressive regime?” Dash received recent criticism from Ebony (magazine) in a statement which read “Her conservative, clueless political slant sparked controversy time after time this year, making Dash notoriously trendy for all the wrong reasons.” She replied with “If being a Fox News contributor and standing up for what I believe in is wrong, then I will be wrong all day long.” Her public expression of conservative views, fueled by her strong opinions and disenchantment with Obama’s policies, has led to the loss of support of some friends and even close

Stacey Dash family members. One of Dash’s strongest claims is that Democrats have a “plantation mentality” in thinking they can buy the minority vote in exchange for social and welfare services. Her main message is calling the “disenfranchised and the uniformed” to become educated and to think for themselves.

Phil Robertson Age 68 - American professional hunter, businessman (Duck Commander), and best known as a reality television star on the popular television series Duck Dynasty. He is also featured on television’s Buck Commander, a hunting show on the outdoor channel. He is devout Christian and is married with four children. Robertson experienced problems in his young adult life due to drinking; however he was able to overcome life’s obstacles through his faith. Robertson is outspoken on his beliefs. A&E announced Robertson’s suspension from the network after a controversial Continued on Page 38


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Continued from Page 36 GQ interview where he shared his beliefs on sin, and he started with homosexual behavior. He also defined what is sinful as “Bestiality, sleeping around with this woman and that woman and that woman and those men.” Robertson stated that he does not judge anyone, but leaves that up to God. He is quoted as saying “We just love ‘em, give ‘em the good news about Jesus - whether they’re homosexuals, drunks, terrorists. We let God sort ‘em out later, you see what I’m saying.” A&E relented on the suspension in response to the strong backlash of supporters, including 1.5 million Facebook likes and statements from political figures. Sarah Palin was one to voice her opinion, calling the suspension an attack on freedom of speech. Louisiana’s Gov. Bobby Jindal made the following statement: “Phil Robertson and his family are great citizens of the state of Louisiana. The politically correct crowd is tolerant of all viewpoints, except those they disagree with.” While Jindal admits to not always agreeing with stuff he reads in magazine interviews and on TV, he states that “...this is a free country and everyone is entitled to express

their views.” He later goes on to say “It is a messed up situation when Miley Cyrus gets a laugh, and Phil Robertson gets suspended.” How’s that for American double-standards?

Kirk Cameron Age 44 - American actor best known for his television role as Mike Seaver on the television situation comedy Growing Pains. He starred in the Christian fi lm series Left Behind and Fireproof. In addition to acting, he is a producer. The devout Christian is married to actress Chelsea Noble and has 6 children. Cameron faced controversy for comments he made regarding his personal views on homosexuality and for his use of the word “unnatural.” In a 2012 interview with CNN’s Piers Morgan, Cameron candidly answered questions reflecting his personal convictions formed by his faith. His traditional religious views on same-sex relationships, widely unpopular with liberals, became a target for the news media. While hatred was never suggested by Cameron, in an appearance on the Today Show in 2012, host Ann Curry questioned “Are you

encouraging people to feel hate towards gay people?” Cameron replied “Absolutely not...I love all people, I hate no one.” Cameron later explains that the quote was “edited down” and that it “...certainly didn’t reflect my full heart on the matter.” Curry still pointedly asked “Do you feel any responsibility saying words like that, that might encourage people to feel that it’s okay to treat - mistreat gay people?” Kirk responded with “Nobody should mistreat anyone...” Despite a barrage of negative comments from the left and efforts to defame him, Cameron remains true to his convictions as a respectful Bible-believing Christian. These Holly wood conservatives, whether you agree or disagree with their points of view, have the right to express what they believe. It is wholly unfair of the biased media and for Hollywood to punish those whose thinking does not align with the liberal agenda. Their twisting of words, putting forth false accusations of hatred, and continual attacks on conservatives for personal and Biblical views demonstrates an intolerance of freedom of speech. It’s time for this to stop.

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ake an unforgettable journey into the heart of The Last Frontier. Discover pristine seas, snow-capped peaks, rich forest lands and an abundance of native trees and wildflowers. Stand in the shadows of Mount McKinley and on the shores of Mendenhall Glacier. Spot bald eagles soaring over glacier-fed rivers, watch humpback whales frolic in the rich waters of the Icy Strait, and lookout for moose in Alaska’s ruggedly beautiful National Parks. The Great Land consists of five distinct regions: Inside Passage, South Central, Interior, Far North and Southwest. Alaska’s immense size, diverse characteristics, and temperature extremes make traveling a challenge. The complexity of solo travel to this natural wonderland will make you appreciate leaving your travel plans in the hands of experts.

by D. J. Wilson 42 |

Take a fully escorted 10-day roundtrip tour from Anchorage via Globus. Depart Anchorage, Alaska’s largest city and home of the world’s most expansive sea plane base. Travel through Matanuska Valley and over the Tahneta Pass heading towards the coastal town of Valdez. Observe breathtaking vistas of Matanuska and Worthington Glaciers and stop at the scenic Bridal Veil Falls. Enter the picturesque seaside port of Valdez, in the heart of Prince William Sound, to discover the beauty of the “Switzerland of Alaska.” Sweep past land that is part of the Chugach National Forest and ringed by steep and glaciated Chugach Mountains. Explore islands and fjords as you sail along the 3-mile face of Columbia Glacier, one of the world’s fastest moving bodies of dense ice. Witness a bounty of wildlife, including seals, sea otters, birds and whales. See the famous Trans-Alaska Pipeline

Terminal and watch supertankers being loaded with crude oil from Prudhoe Bay. Explore beautiful scenery as you travel along the historic Richardson Highway, the fi rst major road built in Alaska. Enjoy a stop at Delta Junction, a living history homestead with museum, roadhouse and farm animals. Take the Alaska Highway to Fairbanks, the state’s second-largest city. Explore this “Golden Heart City,” known for its university and Army and Air force base. Learn gold mine history as you tour Gold Dredge 8. Ride the narrow-gauge railroad and pan for precious metals. Board the Discovery on your sternwheeler cruise of the Chena and Tanana Rivers. Stop at the Chena Indian Village to learn about the Athabascan culture. Complete your evening with an authentic Alaskan salmon bake. Board the world-famous Alaska Railroad. Partake in a journey through untamed wilderness. Finish at Denali National Park, home of Mount McKinley, site of North America’s highest peak. Appreciate majestic views of the

Photo: NOAA Photo Library

20,320-foot mountain which dominates the park’s six million acres. Enjoy a free afternoon in stunning surroundings. Participate in a special dinner at the Murie Science & Learning Center where guests are treated to an exclusive presentation on Denali National Park by a local naturalist. Float down the Nenana River, one of the most popular destinations for boating or whitewater rafting. Focus on wildlife on a special expedition into Denali Park. Search for caribou, moose, and eagles, and sometimes spot grizzly bears. Depart Denali National Park and head south toward Anchorage. Stop at the iconic Happy Trails Kennels, famous home of the four-time Iditarod Champion Martin Buser and his dogs. Watch a demo on mushing and meet the sled dogs. Tour the Alaska Native Heritage Center followed by a special farewell dinner and storytelling presentation. Head out on one of the world’s most scenic drives towards the south shore of Turnagain Arm. Arrive in the pretty harbor town of Seward and board a ves-

sel for a cruise of Kenai Fjords National Park to witness glaciers calving into the sea. Watch for orcas, humpback whales, sea otters and more where mountains, ocean and ice meet. Delight in seeing remnants of the Ice Age that sculpted the majestic fjords. Return to Anchorage to complete your tour.

Inside Passage cruise tours include a 7-day round-trip option departing Seattle, Washington, courtesy of Princess Cruise Lines. Sail round-trip on a luxurious cruise ship as you wind through sheltered waterways, along pristine shores and past richly forested islands. Start in Seattle, a major U.S. seaport city and vital link in Pacific Rim trade. Spend the day at sea, sailing towards the “Land of the Midnight Sun.” Delight in the ship’s amenities, including fine cuisine. The fi rst port of call is Ketchikan, Alaska, the salmon capital of the world.

Walk the rustic boardwalks of Creek Street near quaint houses built on stilts. Visit the ancient grove of Totem Bright to see the largest collection of authentic totem poles in the world. Explore the Deer Mountain Tribal Hatchery and Eagle Center to learn about salmon. Catch a quick flight to nearby Misty Fjords to observe glacial valley and peaks, ice blue water and breathtaking waterfalls. Enjoy scenic cruising to Tracy Arm Fjord, located 50 miles southeast of Juneau. See the twin Sawyer Glaciers to watch huge chunks of ice being expelled into the sea and capture sights of glistening icebergs. Spot wildlife, including harbor seals and seabirds. Protected within Tongass National Forest, witness lush forests, stunning snow-topped mountains, and massive glaciers. Arrive in Juneau, the capital of the State of Alaska, famous for its gold history, government and dramatic views of glaciers and mountains. Explore Skagway, a historic CONTINUED ON PAGE 44 | 43


Alaska – A trip of a lifetime CONTINUED FROM PAGE 43

small city and gateway to the gold fields. Visitors may tour camps, pan for gold, and relive colorful history during the Klondike Gold Rush. Visit the famous Alaska Chilkat Bald Eagle Preserve featuring the world’s largest concentration of bald eagles. Enjoy a scenic train ride through the dramatic White Pass Summit, or hike, bike, or raft in the region. For a special memory, take a helicopter ride above the remote Skagway Glaciers to experience Alaska’s unending natural beauty. Find adventure and inspiration at sea as you head to Victoria, British Columbia. Visitors may explore the capital city and see the “City of Gardens” beloved for its tranquility. Take a sightseeing tour of the area, including historic and governmental buildings. Wander amidst the famous Butchart Gardens. Take in spectacular night views of the city before returning to Seattle to complete your fabulous tour.

One of the most popular excursions to Alaska is the 12-day Denali Explorer Cruise aboard the Island Princess. Guests will cruise the first 7 days, and then enjoy a 5-day land tour. Depart Vancouver, British Columbia. Sail from Canada’s third-largest metropolitan area. Have a delightful day at sea featuring bountiful food and entertainment. First stop is Alaska’s “first city” of Ketchikan, a famous arrival spot for visitors journeying north. Enjoy native heritage and the world’s oldest collection of Totem Poles. Walk through the scenic town and visit the Misty Fjords National Monument, a wilderness area administered by the U.S. Forest Service as part of the Tongass National Forest. Next port of call is Alaska’s capital city of Juneau, noted for its gold mining and government history. Visit the Macaulay Salmon Hatchery and Aquarium which showcases local marine life in natural saltwater environments. Explore the 50-acre Glacier Gardens featuring native species and take photos from the lookout point at

44 |

Photo: Jerzystrzelecki

Thunder Mountain. See Mendenhall Glacier, a federally designated unit of the Tongass National Forest. Enjoy panoramic bird’s-eye views from Mount Roberts Tramway, transporting visitors 1,800 feet high to observe expansive views and to explore parkland offering cultural heritage education. Discover the delightful city of Skagway, a small town known for its role in the Klondike Gold Rush. Travel through yet another camera-worthy place, White Pass Summit, with stops to absorb the beautiful scenery. Partake in a helicopter ride above the Skagway Glaciers and/or seek adventure at the Chilkat Bald Eagle Preserve. Ride bicycles or hike stunning forest trails. Enjoy an abundance of water sports including fishing and rafting. Delight in a scenic cruise of Glacier Bay National Park, located west of Juneau. It is considered the highlight of Alaska’s Inside Passage and is part of a 25-million acre World Heritage Site. This breathtaking preserve provides exposure to the world’s most pristine and spectacular tidewater glaciers, namely Margerie Glacier, which regularly drops colossal chunks of ice into the sea. Glide along emerald waters and inhale the clean, fresh air. Spot harbor seals, northern sea

lions, and killer whales swimming in the icy waters. Learn how the ice shrunk back to unveil a newer bay, attracting animals like wolves, goats, bears and moose to its shores. Discover a region rich in vegetation and deserving of attention by nature lovers. Pass by Alaska’s southern coast for a visit to College Fjord, located just off Prince William Sound. College Fjord boasts the world’s largest collection of tidewater glaciers, aptly named after colleges. This unique site offers visitors a chance to observe nature in action. Enjoy scenic cruising past dramatic backdrops of massive rivers of ice tumbling down from steep hillsides towards the water. Disembark in the gateway town of Whittier, situated at the head of Passage Canal. The quaint fishing town is located 65 miles southeast of Anchorage and was established as a World War II port. Guests will board the McKinley Express rail direct to Talkeetna, the base for expeditions to America’s dramatic highest peak at Mount McKinley. Continue by luxury motor coach to Mount McKinley Princess Wilderness Lodge, nestled peacefully on a hillside in a wilderness getaway. CONTINUED ON PAGE 46

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Enjoy a leisurely evening in comfortable accommodations. You’ll share glorious, uninterrupted views of nature through the hotel’s unique floor-to-ceiling windows. Explore Mount McKinley, North America’s dramatic highest peak. It is considered one of the most challenging mountains to climb, even for the most experienced. It ranks amongst the coldest of mountains in the world, outside of Antarctica. The park hosts a variety of wildlife, including moose, caribou, Dall sheep, bald eagles, grizzly bears, wolves, foxes and more! Glaciers cover one million acres of Denali National Park and drain snow and ice from the flanks of Mount McKinley. Walk the nature trails around the lodge, take guided tours, and later kick back on the hotel’s expansive

46 |

deck to enjoy the dramatic views. Dining at the lodge includes signature Alaskan cuisine. Fall in love with awe-inspiring views of wilderness from your luxury railcar via Princess Cruise’s exclusive Direct-to-the-Wilderness rail service. You’ll be whisked to the Denali Princess Wilderness Lodge. Along the way observe wildlife, attractive scenery, and the diverse beauty of Alaska from glassdomed railcars. Sit back and relax in luxury as you journey toward the lodge. See how the subarctic taiga forest landscape transitions into high alpine tundra and culminates in snow-capped mountains. Discover comfortable accommodations close to the park entrance of Denali National Park. At the hotel, enjoy a deck overlooking the Nenana River with gorgeous views into the park. Spend a full day at America’s beloved Denali National Park. Travel into the park on a natural

history tour or choose another exciting adventure. Enjoy a second evening at the lodge offering top-notch accommodations, including outdoor hot tubs with stunning views. Enjoy a variety of dining choices, including authentic cuisine, specialty dishes, spirits, Denali’s microbrew and casual fare. Entertainment abounds with dinner theatre featuring a musical comedy recounting the first ascent of Mount McKinley. Relax in the morning before boarding a luxurious motor-coach to Fairbanks, the largest city in the Interior region of Alaska and the second largest in the state far behind Anchorage. Explore Fairbank’s museums and attractions or charter a helicopter to observe marvelous views. Hiking, mountain biking, whitewater rafting, canoeing, kayaking, fishing, and snow sports are some of the many sports enjoyed in the region. In the evening, take a relaxing riverboat cruise down the Chena River, a 100-mile tributary of the Tanana River. Your tour ends with an overnight stay in Fairbanks, leaving you with exhilarating memories to last a lifetime.

Contact Hometown Travel for more information or to book your tour today at 888.739.7575.

AMAC Roadside Assistance Program

Thanks to BetterWOMAN, I’m winning the battle for

Bladder Control. Frequent nighttime trips to the bathroom, embarrassing leaks and the inconvenience of constantly searching for rest rooms in public – for years, I struggled with bladder control problems. After trying expensive medications with horrible side effects, ineffective exercises and undignified pads and diapers, I was ready to resign myself to a life of bladder leaks, isolation and depression. But then I tried BetterWOMAN.

Built from the ground up exclusively for AMAC members. Our program delivers top-quality service at affordable prices! Benefits for you: ❱ NO Hidden Costs ❱ FREE Maps & Trip Planner ❱ Multiple Program Options to Meet Your Individual Needs Affordable Prices Exclusively for AMAC Members

❱ 24/7 Roadside Assistance & Claims Service

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When I first saw the ad for BetterWOMAN, I was skeptical. So many products claim they can set you free from leaks, frequency and worry, only to deliver disappointment. When I finally tried BetterWOMAN, I found that it actually works! It changed my life. Even my friends have noticed that I’m a new person. And because it’s all natural, I can enjoy the results without the worry of dangerous side effects. Thanks to BetterWOMAN, I finally fought bladder control problems and I won!

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• Live Free of Worry, Embarrassment, and Inconvenience You don’t have to let bladder control problems control you. Call now!

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CALL TOLL-FREE or order online: These statements have not been evaluated by the FDA. This product is not intended to diagnose, treat, cure or prevent any disease. Use as directed. Individual results may vary. BetterMAN and BetterWOMAN are the trademarks of Interceuticals, Inc. ©2015 Interceuticals, Inc.

Doctor Designed. Audiologist Tested. FDA Registered.

Affordable New Digital Hearing Aid Outperforms Expensive Competitors Delivers Crystal - Clear Natural Sound Reported by J. Page

Chicago: Board-certified physician Dr. S. Cherukuri has done it once again with his newest invention of a medical grade ALL DIGITAL affordable hearing aid. This new digital hearing aid is packed with all the features of $3,000 competitors at a mere fraction of the cost. Now, most people with hearing loss are able to enjoy crystal clear, natural sound — in a crowd, on the phone, in the wind — without suffering through “whistling” and annoying background noise.

New Digital Hearing Aid Outperforms Expensive Competitors This sleek, lightweight, fully programmed hearing aid is the outgrowth of the digital revolution that is changing our world. While demand for “all things digital” caused most prices to plunge (consider DVD players and computers, which originally sold for thousands of dollars and today can be purchased at a fraction of that price), yet the cost of a digital medical hearing aid remained out of reach. Dr. Cherukuri knew that many of his patients would benefit but couldn’t afford the expense of these new digital hearing aids. Generally they are not covered by Medicare and most private health insurance. The doctor evaluated all the high priced digital hearing aids on the market, broke them down to their base components, and then created his own affordable version — called the MDHearingAid®AIR for its virtually invisible, lightweight appearance.




Proudly assembled in the USA

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Affordable Digital Technology Using advanced digital technology, the MDHearingAid®AIR automatically adjusts to your listening environment — prioritizing speech and de-emphasizing background noise. Experience all of the sounds you’ve been missing at a price you can afford. This doctor designed and approved hearing aid comes with a full year’s supply of long-life batteries. It delivers crisp, clear sound all day long and the soft flexible ear buds are so comfortable you won’t realize you’re wearing them.

After years of extensive research, Dr. Cherukuri has now created a state-of-the-art digital hearing aid that’s packed with the features of those expensive $3,000 competitors – at a fraction of the price.


ü Nearly invisible ü Crystal-clear natural sound ü No suffering with ‘whistling’ or background noise ü Outperforms $3,000 models


Try It Yourself At Home With Our 45-Day Risk-Free Trial Of course, hearing is believing and we invite you to try it for yourself with our RISK-FREE 45-Day home trial. If you are not completely satisfied, simply return it within that time period for a full refund of your purchase price.

Nearly Invisible! Ecstatic Users Cheer “I recently purchased an MDHearingAid AIR for both ears. They are as small and work as well as a $5,000 pair I had previously tried.” — Dennis “I’m a physician, and this product is just as effective (if not more) than traditional overly-priced hearing aids. I will be recommending (it).” — Dr. Chang “As a retired advanced practice nurse, I purchased the MDHearingAid AIR after the Wall Street Journal review. I am so pleased with the quality. You are providing a real service to our affordable health care.” — Ned Rubin

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King Solomon’s Secret Treasure: FOUND Ancient beauty trapped in mines for centuries is finally released and available to the public!


ing Solomon was one of the wealthiest rulers of the ancient world. His vast empire included hoards of gold, priceless gemstones and rare works of art. For centuries, fortune hunters and historians dedicated their lives to the search for his fabled mines and lost treasure. But as it turns out, those mines hid a prize more beautiful and exotic than any precious metal: chrysocolla. Prized by the wisest king of the Bible. Known as the “Wisdom Stone,” chrysocolla was considered a powerful talisman of healing and calming energy. Ancient rulers of the Biblical era relied on it for guidance and now this legendary treasure can be yours with our stunning Earth & Sea Chrysocolla Necklace. Call today to bring home 325 carats for ONLY $49! Nothing like it on Earth. The mesmerizing swirls of color in chrysocolla come from a unique combination of elements found in the rich mineral deposits of copper mines. When miners find a vein of blue-green, all digging stops so that the delicate chrysocolla can be extracted by hand. Masterpieces of natural art. Our Earth & Sea Chrysocolla Necklace features a strand of polished, enhanced chrysocolla ovals—and silver-colored beads—that meet at a gorgeous teardrop pendant. Every chrysocolla is unique, showcasing a canvas painted by Mother Nature herself. Your satisfaction is guaranteed. Wear the Earth & Sea Chrysocolla Necklace for a few weeks. If you aren’t convinced that it’s one of nature’s most elegant creations, simply send it back within 60 days for a full refund of your purchase price. But once you experience this gorgeous gemstone for yourself, we’re betting that you’ll want to share King Solomon’s secret with the world!

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Member Benefits Directory


ne of the many advantages of AMAC membership is being able to save money on a vast array of products and services. Listed below are AMAC Member Benefits - travel, consumer products, insurance and financial services - AMAC has joined with the companies on these pages to provide significant discounts just for our members.

Insurance ➤ AMAC Auto & Home Insurance Program from Travelers: 866.709.9713

Save money on your automobile and homeowners insurance through Travelers Insurance Company.

➤ AMAC Medicare/Healthcare Insurance: 800.334.9330

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 and Medicare Prescription Drug Plans available.

➤ AMAC Health Insurance Plans Under 65 years of age: 888.623.9595

AMAC offers a range of premier health plans that cover you and your family. Benefits include coverage for doctor visits, preventive care, prescription drugs, hospital stays, and more.

➤ AMAC Long Term Care: 855.601.8361

Underwritten by Transamerica. Helps cover home care, assisted living or nursing home care.

➤ AMAC Guaranteed Acceptance Whole Life Insurance: 866.212.1985

Up to $25,000 coverage is available to you and your spouse. For ages 45-85. No physical exams or health questions to answer. Benefits that are never reduced because of age or health.

➤ AMAC Life Insurance: 888.550.2622

Help protect your family with affordable coverage.

➤ AMAC Dental Insurance: 888.962.4545

Get coverage for the most common dental procedures. You have the ability to choose your own dentist or work with a dental network.

New Benefit New Benefit

➤ AMAC Farm and Ranch Coverage from Travelers 844.420.9262

Save on Insurance for your Agribusiness

➤ American Collectors Coming Soon Collector Vehicle & Collectibles Insurance

Financial ➤ RoseMark Advisors, Inc. Financial Services: 888.730.6565

AMAC’s financial services benefit. Powerful strategies to promote financial security for our members and their families. Services include: Income Analysis, Annuities, Investment Advice, IRA Rollover.

➤ First Fidelity Reserve: 800.336.1630

The Official Bullion & Rare Coin Partner of AMAC. Buy gold at only 00.5% over dealer cost.

New Benefit

➤ Auto Financing and Refinancing:

New Benefit

➤ AMAC Rewards Credit Card:

New Benefit

➤ Turbo Tax:

AMAC premier online auto finance & refinance marketplace. Apply now & receive up to 4 loan offers in minutes!

AMAC Members save up to $20 on TurboTax federal products

➤ Liberty Home Equity Solutions Inc. - Reverse Mortgage 888.568.5678


New Benefit

Please Note Special Discount Codes

➤ AMAC Explore: Discount Hotel Booking Portal

➤ Red Roof Inn: 800.RedRoof Discount Code: #602805 ➤ Motel 6: 800.4Motel6 Discount Code: #cp545906 ➤ Choice Hotels: 800.4Choice Discount Code: #Senior Rate (60+ only) ➤ Wyndham Hotel Group: Contact Customer Service 800.364.6176 ➤ International Hotel Group: 877.424.2449 AMAC Corporate ID #100325517 AMAC members enjoy 7% off IHG Best Flexible Rate

Car Rentals Please Note Special Discount Codes

See What’s New!

➤ Avis: 800.230.4898

Use AWD # S968300 (Savings up to 25%)

➤ Hertz: for Reservations call: 800.654.3131 For Billing Questions and Hertz #1 Club Gold call: 212.373.6408

Save up to 10% - Club Code: 1860452 Hertz #1 Gold Program Free for AMAC Members

➤ Budget: 800.527.0700

Use BCD D633300 (Savings up to 25%)

➤ Budget Truck Rental: 800.455.1332

New Benefit

Use BCD # 560.002.25079 - Not available in stores New Discount Codes-Better Savings Use your discount code at any Avis or Budget in stores, by telephone or online for savings up to 25% off.

National Discounts HEALTH ➤ Key Dental Discount Plan: 888.609.8585 AMAC members save 20%-25%. This is not insurance. ➤ Key Vision Discount Plan: 888.650.2622

AMAC members save 15% to 35% - This is not insurance.

Go to

➤ Prescription Discount Card

Save on prescription drug prices at over 59,000 pharmacies nationwide.


for MORE National and Local Discounts!

➤ Merchant Information Solutions

ID Theft - Comprehensive fully managed restoration and identity management solution for AMAC members.

MATURE DRIVER COURSE ➤ Mature Driver Course:

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.

PRODUCTS ➤ Office Depot:

Save up to 80% on office supplies and printing! Plus, 93,000 additional items discounted 5-15% off retail. In-Store Discount Card is FREE, and Online Shopping includes AMAC exclusive specials.

➤ Purchase Shield 360: 855.420.2272

New Benefit

All-in-one coverage for the things you buy everyday. You can shop with confidence knowing that you’re protected, whether it breaks, can’t be returned, or goes on sale. Discounted for AMAC members.

New Benefit

➤ Protection 1: 866.621.1672

New Benefit

Wireless digital home security systems.

➤ Club Cellular • 844.684.3252

➤ AMAC Roadside Assistance: 855.875.8598

To become an AMAC member and enjoy our member benefits, join online at or call 888.262.2006.


AMAC - The Association of Mature American Citizens, Inc. | 5 Orville Drive, Suite 400 | Bohemia, NY 11716

AMAC members enjoy 5% off rates and accessories. NO contract to sign and you can keep your existing phone number.

ROADSIDE ASSISTANCE Competitive, affordable pricing exclusively for AMAC members.

➤ Hometown Travel Agency: 888.739.7575

The exclusive travel agent to AMAC members, offering exclusive group tours at exceptional rates.


AMAC Small Business Solutions has assembled a tremendous membership package that provides you with discounts and access to resources that are essential to helping you grow and manage your business.

New Benefit

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“TV Ears saved our marriage!”

New Special Offer!

- Darlene and Jack B., CA

The Voice Clarifying TV Ears Headset is specifically designed for clear, distinct, TV listening, without turning up the volume. With TV Ears wireless technology, you set your own headset volume and tone, while other TV listeners hear the television at a volume level that’s comfortable for them. You can even listen through the headset only and put the TV on mute if the situation calls for a quiet environment…maybe the baby is sleeping in the next room. Or perhaps you are the only one who is interested in listening to the ballgame.

Hear television dialog clearly without

Doctor Recommended TV Ears! Proprietary Voice disturbing others with loud TV volume! Clarifying Circuitry® makes words easier to discern and reduces background noise so television dialog is understandable. That’s why “ wife and I have used TV Ears almost daily for the past ten years and find them “Now my husband can have the volume as loud as an invaluable help in our enjoyment of television. We he needs and I can have the TV at my hearing level. would not be without them! As a retired Otologist, I “TV Ears” are so comfortable that Jack forgets heartily recommend TV Ears to people with normal he has them on! He can once again hear and hearing as well as those with hearing loss.” Headset Weighs Only 2 oz. understand the dialog.” - Robert Forbes, M.D., California 5 Year Limited Warranty

TV Ears is Easy to Use! The transmitter attaches to the audio ports on your television and sends a signal to the wireless headset. The transmitter also charges the headset while it’s not in use. There is no complicated technology to understand and no expensive batteries to replace…just sit down and enjoy the show! Transmitter/Charger

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Visit: Call: 866-759-9612 TV Ears is a trademark of TV Ears, Inc. © 2015 TV Ears, Inc. All Rights Reserved

Get Crackin! Cooking with eggs


ggs are simple, delicious and versatile enough to bind together a humble meatball, give loft to a rich soufflé or add silky smoothness to a classic hollandaise sauce. Eggs are nutritious, readily available, affordable and infinitely adaptable to every meal of the day, from the breakfast omelet, to the lunch sandwich, to the dinner pasta.

■ There is no difference in taste, texture or nutritional value between brow n and white chicken eggs. The color is determined by the breed. Breeds with white feathers and white ear lobes lay white eggs; chickens with red feathers and red ear lobes lay brown eggs. ■ W hen buy i ng eg gs, choose those that are clean and unbroken. Store them in their original carton, on an inside shelf of the refrigerator, away from foods with strong odors. ■ If any eggs are stuck to the carton, wet the box and the eggs will become easy to remove without breaking. ■ Eggs can be used for about 30 days after the sell-by date. To determine if an egg is fresh, place it in a bowl of water. If it lies on its side, it is very fresh. If it tilts on an angle, it is approximately 3 – 4 days old. If it stands upright, it is probably about 10 days old. If the egg floats to the top, it is no longer any good and should be thrown away. ■ Egg whites can be frozen for up to one year. Place them in a container as you collect them; then thaw for use in meringues and angel food cakes. 7 – 8 egg whites equal 1 cup. ■ To easily separate a yolk from the white, crack the egg into your hand and gently let the white fall through your fingers into a bowl below. 54 |

Eggs are one of the world’s most favored and indispensable foods.

■ If a piece of the shell gets into your eggs, don’t chase it around the bowl. Use the perfect tool - one of the broken halves of the eggshell. It will behave like a magnet, and make it easier to remove the pesky bit. ■

To peel a hard-boiled egg: gently roll the cooled egg on a counter or cutting board until it is covered with cracks. Carefully remove the shell, running the egg under cold water if the shell sticks. Fresh

eggs are harder to peel, so let the eggs sit in the refrigerator for a few days, or even a couple of weeks, before hard-boiling them.

■ Wiping up a broken egg can be difficult. Sprinkling salt over the mess will make cleaning up it a little easier.

Kathie’s Kitchen How to Cook Eggs

Quiche Lorraine ❏ 1 – 9 inch pie shell ❏ 1 Tbs. butter – softened ❏ 12 bacon slices – cooked and crumbled ❏ 4 large eggs

❏ 2 cups heavy cream ❏ ¾ tsp. salt ❏ 1⁄8 tsp. nutmeg ❏ 1 cup shredded Swiss cheese

Spread butter evenly over the bottom and sides of pie crust. Chill well. Preheat oven to 425°. With a whisk, beat together eggs, heavy cream, salt and nutmeg. Stir in cheese. Place crumbled bacon in chilled crust. Pour egg mixture over bacon. Bake for 15 minutes. Reduce heat to 325°. Continue baking for an additional 35 minutes or until a knife inserted in the center comes out clean. Let sit for 10 minutes. Serves 6.

❏ 3 large eggs – lightly beaten ❏ 4 cups cooked long grain rice ❏ ½ lb. cooked shrimp ❏ ¼ cup soy sauce

Heat sesame oil in a large skillet over medium-high heat. Stir fry onions, garlic, peas and carrots until tender. Set aside. Add eggs to the empty skillet and scramble. Add rice, and toss with egg until well combined. Return sautéed vegetables to the pan, along with shrimp and soy sauce. Heat through. Serves 4.

Chicken Francese ❏ 2 large eggs ❏ ¾ tsp. salt ❏ ½ tsp. pepper ❏ 2⁄ 3 cup olive oil ❏ 1 ½ lbs. boneless, skinless chicken breasts – pounded to ½ inch

Place desired number of eggs into a saucepan and add cold water to cover by 1 inch. Bring to a boil over high heat. Remove saucepan from heat and cover with lid. Let stand for 17 minutes. Pour out hot water and replace with cold water. Drain and refill with cold water. Let stand until eggs are cool - about 20 minutes.

Soft Boiled: Place desired number of eggs into a saucepan and add cold water to cover by 1 inch. Bring to a boil over high heat. Remove saucepan from heat and cover with lid. Let stand for 4 minutes. Pour out the hot water. Cool to the touch. Carefully remove egg from shell, or serve in an egg cup.

Better-Than-Takeout Fried Rice ❏ 3 Tbs. sesame oil ❏ 1 onion – chopped ❏ 2 cloves garlic - minced ❏ 1 cup frozen peas & carrots

Hard Boiled:

Poached: Add water to a skillet to a depth of 1 ½ – 2 inches. Add 2 Tbs. white vinegar. Crack each egg into a small bowl or cup. Bring water to a boil, reduce temperature, and allow water to reach a gentle simmer. Gently transfer eggs into the simmering water. Poach for 3 minutes, spooning simmering water over the eggs periodically. Remove from the pan when the whites are opaque and feel firm to the touch. Dry on paper towels.

Scrambled: ❏ ½ cup flour ❏ 6 Tbs. butter ❏ ½ cup white wine ❏ 3 large lemons – juiced ❏ 1 cup chicken stock ❏ 2 Tbs. chopped parsley

Whisk together eggs, salt and pepper. Set aside. Heat oil in a large skillet over medium heat. Dredge chicken in fl our, shaking off excess. Dip chicken into egg mixture. Place in skillet and sauté until golden on both sides, about 4 minutes. Remove from skillet, and drain on paper towels.

Whisk together 3 large eggs, a pinch of salt, 1 grind of black pepper and 3 tablespoons milk until light and foamy. Melt 1 tablespoon butter over mediumhigh heat in a 10 – 12 inch nonstick skillet. Pour the eggs into the middle of the pan. Stir slowly with a rubber spatula. As soon as big soft lumps begin to form, drop the heat to low and fold the curds over on themselves while gently shaking the pan with the other hand until no liquid remains.

Remove skillet from heat, and carefully wipe out pan. Return to heat. Melt butter in skillet. Add wine and lemon juice. Bring to a boil, and cook for 3-4 minutes or until slightly thickened. Add chicken broth, bring to a boil and cook until reduced by half, about 5 minutes. Place chicken in sauce, turning to coat, and simmer for an additional 5 minutes, or until heated through. Transfer to a serving platter. Sprinkle with parsley. Serves 6. | 55

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Largest retirement expense you may not have thought of. What to do now! Where to find low-interest credit cards, nofee cards, cash-back cards, gas reward cards, and more! Free service few know about. Before any medical procedure you must get the billing code from your doctor. How it could save you thousands! Common Medicare mistakes you can avoid. How to add an extra 30% to your retirement nest egg — after you retire! Paying full price at a restaurant is for amateurs! How the “pros” save money at every meal. You’re never too rich to qualify for Medicaid if you know the right way to go about it. Fastest way to maximize your income and minimize your debt. TV manufactured after 2007? You’re eligible for free viewing! Say goodbye to cable and satellite! Sell a whole houseful of stuff on eBay without lifting a finger ... or all your listings are free! 6 “tied in” life insurance policies that heirs commonly forget about and never redeem. Cash that could pay for a funeral or probate fees! Have a carefree retirement by outsmarting manufacturers, minimizing taxes, and staying independent with money-saving resources! Learn all these amazing secrets and more. To order a copy, just return this coupon with your name and address and a check for $9.99 plus $3.00 shipping and handling to: FC&A, Dept. N2-4309, 103 Clover Green, Peachtree City, GA 30269. We will send you a copy of What Every Senior Should Know. You get a no-time-limit guarantee of satisfaction or your money back. You must cut out and return this notice with your order. Copies will not be accepted! IMPORTANT — FREE GIFT OFFER EXPIRES APRIL 13, 2015 All orders mailed by April 13, 2015 will receive a free gift, 98 Ways to Spend Less Every Day, guaranteed. Order right away! ©FC&A 2015




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Former CIA Official Warns:

ISIS Terrorists Could Cripple America’s Electric Grid! How will you keep your family safe when the power goes out? And it WILL go out. Weather is the other enemy. Even leaving aside a terror attack, there is the constant threat that Mother Nature could strike a vicious blow to the grid. Last year’s Polar Vortex is a perfect example. Only through a massive effort by grid operators were we spared total blackouts across large parts of the country. In a recent interview, former CIA official Dr. Peter Pry, warned, “There is an imminent threat from ISIS to the national electric grid and not just to a single U.S. city.”

It’s happened before and we know it will happen again. We also know the vast majority of Americans are totally unprepared for the deprivation and lawlessness that often follow.

Pry explained that attacks on just nine of the nation’s 55,000 electrical substations could result in coast-to-coast blackouts for up to 18 months.

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Frank Gaffney, founder and president of the Center for Security Policy in Washington went even further. “…should the power go out and stay out for over a year, nine out of 10 Americans would likely perish.”

On April 16 last year, snipers fired on an electrical substation in San Jose. Shooting for 19 minutes, they managed to knock out 17 giant transformers that provide power as far away as Silicon Valley. It took workers 27 days to restore the facility. No arrests were made.

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Lifestyle & Entertainment

French Quarter Festival… Musical Magnet That Attracts Music Lovers From Around the World


s the saying goes, “music makes the world go round,” and on April 9-12, 2015 it will stop and focus on a weekend of world-class music at New Orleans French Quarter Festival. This gala event is mixed with famous and culinary masterpieces, and surrounded by the buildings that reek of multi-cultural history dating back to the 15th century and the swashbuckling days of the Pirate Jean Lafitte. Since its inception in 1984, the Festival has grown to become the largest free music festival in the country, last year drawing 770,000 music fans. More than 120 musical groups with over 800 local musicians are scheduled to present their unique musical genres on 21 stages throughout the French Quarter. Whatever your musical preference, you’ll find bands playing traditional and contemporary jazz, Latin, rhythm and blues, Cajun/Zydeco, New Orleans Funk, swing, rock, international and even classical. These are sounds that are part of this city’s unique and rich cultural gumbo. While the 2015 band schedule will not be released until February, several of the 2014 Festival bands should be returning, such as Trombone Shorty, Meschiya Lake & The Little Big Horns, Dirty Dozen Brass Band, Tim Laughlin,

Charmaine Neville, The Dukes of Dixieland, Banu Gibson & The New Orleans Hot Jazz, Preservation HallStars and the Lena Prima Band that is also scheduled at the Carousel Lounge at the Monteleone Hotel, which is the Festival headquarters. By the way, while you’re roaming the streets of the French Quarter, check out the corner of St. Peter and Royal where the “Queen Clarinet,” Doreen Ketchens, and her Band are usually surrounded by a group of music lovers. This is a performer who has played for presidents, kings, and queens. Arrive early, map out your weekend strateg y and start by joining the revelers on Bourbon Street for the opening 10 am Festival parade on Thursday. Then find your way over to Woldenberg Riverfront Park, the Absolut Louis-Louis Pavilion Stage and Capital One Bank Riverside Legacy Stage for the 11 am opening acts that perform until 7 pm. On Friday you can switch to Jackson Square, French Market, Dutch Alley, Preservation Hall, Louisiana State Museum’s Old U.S. Mint, House of Blues and 300 Bourbon St. Irvin Mayfield’s Jazz Playhouse at the Royal Sonesta Hotel. While on Bourbon St., take a few photos at Musical Legends Park of the sculptures of New Orleans’ musical greats. Festival music continues until 9 pm; then it’s on to one of the many jazz clubs presenting a menu of jazz music until the wee hours!

New Orleans

by Frank Grace

On Saturday and Sunday, musical groups will be performing on several new stages. There’s sure to be more than one group that will have you tappin’ and clappin’ . Did you say you were hungr y? Not at the French Quarter Festival. A number of New Orleans’ 5-star restaurants have created a food and beverage presentation know n as “The World’s Largest Jazz Brunch”

at Jackson Square, the Louisiana State Museum’s Old U.S. Mint and Woldenberg Riverfront Park. Sample jambalaya, blackened catfish, crawfish etouffee, Cajun meat pies or delectable gumbos. Sixty food and beverage booths will be scattered t hroughout t he historic French Quarter. This is a presentation of food featuring everything from various forms of crawfish to Po-Boys to Crème Brulee, priced from $3 to $5. You’re also in the neighborhood of some world-famous restaurants, such as Antoine’s, Brennan’s, Galatoire’s, Arnaud’s and the Court of Two Sisters, to name a few. Then there’s a myriad of special events that are in the category of “don’t miss them” — free tours of hidden patios and gardens of French Quarter homes, a Pirate’s Alley art show, the world’s largest praline, and spectacular fireworks on the Mississippi River to end the evenings — that is after a traditional stop at the Café du Monde for café au lait and beignets. If you haven’t already moved the 2015 French Quarter Festival to the top of your “bucket list,” what’s holding you back? For additional Festival information, call 800.673.5725 within the U.S. or 504.522.5730, or visit www.fqfi. org in February for the Festival band schedule. ★ | 61

Just for

Fun Crossword

ACROSS 1. Razor sharpener 6. Slave 10. Gown 14. Sporting venue 15. Iridescent gem 16. Not odd 17. Chairs 18. Not yours 19. Mongrel 20. Supposition 22. Winglike 23. Car 24. Unorthodox tenets 26. Exclamation of relief 30. Central 31. Long-haired wild ox 32. Greek letter 33. Ends a prayer 35. Filled to excess 39. Cassock 41. Any person 43. Long stories 44. Swing around 46. Balcony section 47. Best seller 49. An Old Testament king

Sudoku 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

62 |

50. Barely managed 51. Ambrosia 54. No more than 56. Reflected sound 57. Unsurmountable 63. A ball of yarn 64. King of the jungle 65. Scrub 66. Cabbagelike vegetable 67. Smudge 68. A kind of macaw 69. Sun 70. Cravings 71. Affirmatives

DOWN 1. Cummerbund 2. 3 3. Harvest 4. Savvy about 5. Noodles 6. Not often 7. A part of a broadcast serial 8. Hindu princess 9. Sarcous

10. Noteworthy 11. Small egg 12. Test versions 13. Vestibule 21. What we are 25. Not difficult 26. Sage 27. A rigid circular band 28. Decorative case 29. An observation tower

34. Emetics 36. Swiped 37. Border 38. Not the original color 40. Largest continent 42. Approaches 45. Parody 48. Fedora 51. They hold up heads 52. Panache

53. Pincer 55. An analytic literary composition 58. 5280 feet 59. Unit of land 60. Feathery scarves 61. Attraction 62. Historical periods Solutions on page 27

Joke of the Month Having just moved into his new office, a pompous, new Colonel was sitting at his desk when an airman knocked on the door. Conscious of his new position, the Colonel quickly picked up the phone, told the airman to enter, then said into the phone, “Yes, General, I’ll be seeing him this afternoon and I’ll pass along your message. In the meantime, thank you for your good wishes, sir.” Feeling as though he had sufficiently impressed the young enlisted man, he asked, “What do you want?” “Nothing important, sir,” the airman replied, “I’m just here to hook-up your telephone.” Heard any good ones lately? Send them in!

Please submit your joke by emailing 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!

Reliable, Carefree, Expertly Run Travel since 1967! Canadian Rockies Tour

Alaska Cruise

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Departs July 24, 2015. Your tour starts in Seattle where you’ll drive through the lush forestlands of the Pacific Northwest. Visit the Grand Coulee Dam and nearby Dry Falls. Head east to “Big Sky Country” of Montana followed by journeys through Glacier & Waterton Lakes National Parks. Travel through Kootenay National Park; visit Bow Falls and beautiful Lake Louise en route to Banff National Park for twonights. Continue north along the Icefields Parkway and in the heart of the Canadian Rockies you will experience a remarkable excursion onto the surface of the Athabasca Glacier. Your next destinations are Jasper & Yoho National Parks; Revelstoke; the Lake Okanagan region; Kamloops and Whistler. Then travel to Vancouver for your two-night stay before returning to Seattle. Enjoy a city tour including a stop at Pike Place Market before flying home.

Departs August 7, 2015. Start in Seattle where you’ll Reserve by board Norwegian Cruise Line’s Jewel. Relax on a 4/30/15 & S ave $300 p seven-night Alaska cruise through the scenic Inside er Couple! Passage. Visit Ketchikan, home to the world’s largest collection of Native American totem poles; Juneau, the capital of Alaska; Sawyer Glacier, with incredible colors that constantly sheds huge chunks of ice; Skagway, where the Gold Rush began; and Victoria, BC, Canada’s Garden City on Vancouver Island. Disembark and enjoy a sightseeing tour in Seattle, including Pike Place Market. Then you’ll board the Amtrak Coast Starlight train for a scenic journey to San Francisco. Unwind in your Amtrak roomette-sleeper at night (includes VIP lounge). Following arrival, visit world famous Sonoma Valley and one of the area’s wineries. Complete your adventure in San Francisco with opportunities to see the Golden Gate Bridge and Pier 39.


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Hawaii Four-Island Tour

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Departs September 14, 2015. Your New England adventure Reserve by starts in Boston. Travel to Rutland, Vermont and along 4/30/15 the way, visit one of the intriguing “Shaker Villages,” a Save $200 & per living history museum providing insight to a centruies Couple! old community. Continue with a scenic drive through charming small towns and the spectacular Green Mountains to Montreal. Enjoy a city tour and then drive northeast along the St. Lawrence River to Quebec City where you’ll explore the city before you embark on Norwegian Cruise Line’s Dawn. Relax on board as you sail to: Sydney and Halifax, Nova Scotia; Saint John, New Brunswick; and Bar Harbor, Maine. Disembark back in Boston and enjoy a sightseeing tour, including National Historic Landmarks while following parts of the Freedom Trail en route to Cape Cod for two-nights with time to enjoy at leisure. Complete your adventure with a stop in Newport, Rhode Island, where you’ll tour one of the city’s famous mansions before returning to Boston for one final night.

Departs December 2, 2015. Experience a true tropical paradise with perfect climate year round, stunning scenery and exquisite beaches while visiting the islands of Oahu, Kauai, Maui and the “Big Island” of Hawaii. Explore Pearl Harbor and world-famous Waikiki Beach on Oahu; enjoy an entertaining cruise on the Wailua River to romantic Fern Grotto on Kauai; visit Lahaina, the old whaling capital of the Pacific on Maui and on the “Big Island,” tour Volcanoes National Park; the black sand beaches and more. Your vacation will be fully escorted by a friendly Polynesian Tour Director who will provide an insider’s perspective of the islands and also includes beachfront or centrally located hotels, inter-island flights, baggage handling, transfers, sightseeing and special events.

* PPDO. Based on inside stateroom, upgrades available. Plus $299 tax/service/government fees. Alternate September departure dates available. Add-on airfare available.


& West Coast Train Tour

Discover Amazing Vistas

Cruise & Tour

PPDO. Based on inside stateroom, upgrades available. Plus $299 tax/service/ government fees. Alternate June - August departure dates available. Seasonal charges may apply. Add-on airfare available.

Dramatic Landscapes

PPDO. Plus $199 tax/service/government fees. Alternate monthly departure dates available. Seasonal charges may apply. Add-on airfare available.

Call for Details! 888-817-9538

Trav with o el th AMAC er Memb ers!

AMAC at work for you

AMAC in Action Find out how AMAC is standing up for you, every day AMAC Hosts 2015 Delegate Conference

On January 18-20, 2015, AMAC hosted its inaugural Delegate Conference at the majestic Waterfront Inn, the Villages, Florida. The event included a series of educational seminars, training sessions, and networking forums to better equip our Delegates to serve in their Congressional districts. In addition to these events, Delegates had the opportunity to interact with fellow Delegates from across the country and enjoy a visit to Grand Oaks Resort & Museum. Conference Topics included: “Issues of Interest”: A thorough overview of the political issues that will likely be addressed in the 114th Congress. “Saving Social Security”: An in-depth review of AMAC’s Social Security Guarantee and how to present it to lawmakers. “A Look into the Reagan White House”: Pulitzer Prize-winning journalist and principal speechwriter for Ronald Reagan, Anthony R. Dolan, shared his thoughts on Reagan, conservatism, and AMAC’s grassroots movement.

Fraud Protection, Investor Behavior Focus of AMAC Foundation Presentation Subtitled “No Free Lunch,” the nonprofit AMAC Foundation seminar on “Fraud Protection and Investor Behavior” was presented as a public service. Over one hundred attendees filled the Pinellas Public Library conference room to capacity to hear retired financial expert, Rich Miles’ spirited presentation. Many seniors receive dozens of “free dinner” or “free lunch” invitations each year from firms who claim they have the best answers for retirement planning. Many are ethical firms who provide

64 |

valuable information and services. But how does one know whom to trust with their life savings? When the U.S. Securities and Exchange Commission (SEC) surveyed 110 such American firms’ programs in 2007, virtually 100% of them had hidden sales agendas for their financial products or services. Further, the SEC found 59% had weak supervisory management practices; 50% used exaggerated or misleading advertising claims; 23% recommended investments which were likely unsuitable for their senior clients’ best interests and 13% were ‘just plain fraudulent.’

AMAC Supports: Hire More Heroes Act AMAC supported its first piece of legislation of the 114th Congress. Last week, the House of Representatives passed the “Hire More Heroes Act,” a measure aimed to offer businesses relief from ObamaCare and to support American veterans in the workplace. This bill would make it easier for veterans to be hired by removing the possible penalty employers would face by having veterans counted as “fulltime” employees for the purposes of determining whether an employer is considered a “large employer” under ObamaCare. Currently, if a company employs 50 or more full-time employees, working 30 or more hours a week, then that company must provide health coverage to its workers – often at a tremendous cost to the employer. However, by excluding veterans who have their own health plans from being counted toward the 50-employee limit, businesses can be exempted from the ObamaCare employer mandate and penalties. AMAC strongly supports this bill, which will undoubtedly help small businesses working to create jobs and unemployed veterans searching for work. We expect the Senate to swiftly pass this bill and send it to President Obama’s desk.

AMAC Supports: “Protect Medical Innovation Act” and “Medical Device Access and Innovation Protection Act” AMAC recently declared support for two bills that seek to repeal ObamaCare’s medical device tax. Representative Erik Paulsen (R-MN-03) introduced the “Protect Medical Innovation Act,” and Senator Orrin Hatch (R-UT ) introduced the “Medical Device Access and Innovation Protection Act.” Both bills intend to protect consumers and businesses alike by repealing the onerous medical device tax, which has proven disastrous across-the-board. According to a study by the Advanced Medical Technology Association, the tax negatively impacted 33,000 American jobs in its first year. If passed, these bills would strike the 2.3% excise tax on medical devices, which would allow for lower health care costs, increased job creation, and greater technical innovation – all which stand to benefit mature Americans, seniors, and patients in need. AMAC believes repealing this tax is a step in the right direction in the overcoming the negative impacts of ObamaCare.

AMAC Attends CPAC 2015 AMAC attends CPAC 2015 – The 42nd annual Conservative Political Action Conference, America’s largest gathering of conservative activists and conservative leaders, February 25 – February 28, in Washington, DC. Every year, the ACU brings thousands of grassroots conservatives and conservative leaders together in Washington, DC for three days of blockbuster speeches, policy discussions and networking opportunities – all celebrating the shared principles of smaller government, a strong national defense and traditional values. Attendees gather to hear from the nation’s most courageous conservative leaders and help set the conservative agenda for the coming year to rally support against the big-government policies destroying America. ★


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LOT NO. 68498 61359

Item 94141 shown


LIMIT 8 - Good at our stores or or by calling 800-423-2567. Cannot be used with other discount or coupon or prior purchases after 30 days from original purchase with original receipt. Offer good while supplies last. Non-transferable. Original coupon must be presented. Valid through 6/16/15. Limit one coupon per customer per day.




calling 800-423-2567. Cannot or or by original LIMIT 4 - Good at our storest or coupon or prior purchases after 30 days from le. Original be used with other discoun Offer good while supplies last. Non-transferab er per day. coupon per custom one purchase with original receipt. Limit . 6/16/15 Valid through coupon must be presented.


LOT NO. 68497/61360

LIMIT 8 - Good at our stores or or by calling 800-423-2567. Cannot be used with other discount or coupon or prior purchases after 30 days from original purchase with original receipt. Offer good while supplies last. Non-transferable. Original coupon must be presented. Valid through 6/16/15. Limit one coupon per customer per day.

REG. 67847 PRICE Item shown $219.99

REG. PRICE $9.99


LOT NO. 68496 61363/97581

REG. PRICE $11.99

R ! PE ON LOT NO. 94141 69874/61320 SU UP 61913/61914 CO


$ 99

SAVE $90

LIMIT 3 - Good at our stores or or by calling 800-423-2567. Cannot be used with other discount or coupon or prior purchases after 30 days from original purchase with original receipt. Offer good while supplies last. Non-transferable. Original coupon must be presented. Valid through 6/16/15. Limit one coupon per customer per day.



SAVE 60% Item 47902

LOT NO. 67847/61454/61693 SAVE $

Item 69080 shown

LIMIT 1 - Cannot be used with other discount, coupon or prior purchase. Coupon good at our stores, or by calling 800-423-2567. Offer good while supplies last. Shipping & Handling charges may apply if not picked up in-store. Non-transferable. Original coupon must be presented. Valid through 6/16/15. Limit one FREE GIFT coupon per customer per day.

LOT NO. 47902 61328


REG. 99$299PRICE .99



$ 99

R ! 40 PIECE 1/4" AND PE ON SU UP 3/8" DRIVE SOCKET SET CO • SAE and Metric

REG. PRICE $199.99

Item 69039 shown

LIMIT 4 - Good at our stores or or by calling 800-423-2567. Cannot be used with other discount or coupon or prior purchases after 30 days from original purchase with original receipt. Offer good while supplies last. Non-transferable. Original coupon must be presented. Valid through 6/16/15. Limit one coupon per customer per day.




REG. PRICE $649.99



• Weighs 105 lbs.

• 1060 lb. Capacity • 14,600 cu. in. of storage




LOT NO. 67831/61609

SAVE $330


20% FREE OFF R ! PE ON LOT NO. SU UP CO 68056/60706/62319




Item 90154 shown

LOT NO. 90154/62170



25999 REG. PRICE $399.99

LIMIT 4 - Good at our stores or or by calling 800-423-2567. Cannot be used with other discount or coupon or prior purchases after 30 days from original purchase with original receipt. Offer good while supplies last. Non-transferable. Original coupon must be presented. Valid through 6/16/15. Limit one coupon per customer per day.

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2015 $1 Silver American Eagles • 1oz .999 Fine Silver

2015 $5 Gold American Eagles • 1/10 oz Gold



Limit 5 Per Household



$ 40

Over Spot Price*

Spot Price x 0.1 + $17.00 = Cost per coin

Example: ($1200 x 0.1) + $17. = $137.00 00

Limit 5 Per Household

Over Spot Price*

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Example: $16.50 + $3.40 = $19.90

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