Amac Advantage Magazine Winter 2013

VOL. 7 ISSUE 1 $2.95

Women of the Right In this Issue: ■

What Everyone Over 50 Should Know ■ Don’t Let Overdraft Fees Drain You ■ AMAC on Capitol Hill

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AMAC... stronger than ever!

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“ ” Soon we’ll reach our

next milestone - the one

million member mark!

reat News! I’m very pleased to announce that AMAC’s membership has now passed 550,000 members.

Thanks to each and every one of our members who have joined AMAC. Appreciation also goes out to the many conservative talk show hosts who are spreading the AMAC message.

Soon we’ll reach our next milestone - the one million member mark!

Many of the new patriots joining AMAC have come to us at the suggestion of family and friends who are members. We deeply appreciate your confidence and support. Together we will prevail in the fight to protect the American way of life and our most precious gift, our freedom.

This edition is full of timely information on health, money and political happenings. The article about new breakthroughs on detecting prostate cancer is a must read for all families, especially anyone undergoing treatment for that form of cancer.

My favorite article in this issue is the story of the “Women of the Right.”

After reading about Bila, Ingraham, Crowley and Coulter, you not only feel like you know them a lot better, but you can see the appeal they have because of their wit, their sense of humor and their deep-rooted love of our country. It has been said, “We conservatives own the truth, but the liberals own the narrative.” Thanks to the “Women of the Right,” our share of the narrative is increasing.

Our efforts to produce a solution to keep Social Security solvent and to make it better are being nicely received in our nation’s Capital. Legislators on both sides of the aisle are listening to our suggestions and reviewing our “prototype draft legislation.” We don’t just complain, we offer solutions!

Now we are urging both Senators and Representatives to fix the spending problem that has created our huge national debt. We’ll keep you posted.

Warm regards,

Dan Weber, Publisher

4 | www.amac.us

VOL. 7 ISSUE 1

CONTENTS

Women of the Right p.30 Daniel C. Weber Publisher Rebecca Weber Keiffert Associate Publisher Editorial Inquiries

8

Sound Off

11

Simply Jedediah

14

Job Creators

16

Health

18

Health

★

Protecting Healthy Debate Producing Entrepeneurs

Game Changer in Prostate Cancer

Money

22

Your Medicare Advisor

24

Easy Eddie and Butch O’Hare

Pamela Smith Editor

28

AMAC on Capitol Hill

George Spangler Director, Ambassador Leadership Program

30

Women of the Right

40

Travel

Gia Ricottone Director of Advertising & Affiliate Sales gricottone@amac.us

Association of Mature American Citizens 5 Orville Drive Bohemia, New York 11716 1.888.262.2006 • www.amac.us 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.

Graphic Design by: Business by Design / Advertising Dynamics 631.751.5454 • www.bbd3.com

p. 18

What Everyone Over 50 Should Know

20

Gary J. Christiansen Membership Web Developer

p. 14

p. 20

Don’t Let Overdraft Fees Drain You Important 2013 Enrollment Periods p. 24

Palm Springs, California

46

Kathie's Kitchen

48

Obamacare Watchdog

50

Government Watch

54

Just for Fun

56

Member Benefits Directory

p. 40

Have a Ball

p. 46

www.amac.us | 5

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Explore Denali National Park on a history tour that provides insight on the diverse native and early pioneer influences in and around Denali. See Alaska’s wildlife up close at the Wildlife Conservation Center and enjoy sightseeing tours in Anchorage, Seward, Vancouver, BC and Seattle. Your vacation also includes a seven night cruise on board the 5-STAR Celebrity Millennium through the Gulf of Alaska and scenic inside passage. See Hubbard Glacier the largest calving glacier in North America and more than 70 miles long. Stop in Juneau, the state capital of Alaska; Skagway, where the gold rush began; Icy Strait Point, with an opportunity to view humpback whales and the fishing village of Ketchikan. * Per person, double occupancy. Price based on inside cabin, upgrades available. Add $200 for July 18 departure date. Alternate departure dates available in 2013. Airfare is extra.

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Departs: September 24, 2013 Travel the picturesque Northeast this Fall from your luxury cruise ship and comfortable motorcoach. Visit the “Big Apple,” New York City with opportunities to see Times Square and Central Park; Newport, Rhode Island, where you will tour of one of the city’s famous mansions; Cape Cod, Boston and the intriguing “Shaker Villages” in Massachusetts. Enjoy a scenic trip through the Green Mountains in Vermont to Rutland and drive along the St. Lawrence River to the incredible city of Montreal.

Relax on board the Norwegian Dawn for your seven-night cruise and sail to ports in: Portland, ME; Halifax, Nova Scotia, the world’s second-largest natural harbor; Charlottetown, Prince Edward Island; Gaspésie and La Baie in Quebec.

Disembark in Quebec City, one of the first settlements in North America with remaining fortified city walls and enjoy a city tour.

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“Sound Off” Retirees Will be Hurt Most by Dividend Tax Hike Paul E says: This is standard socialism. It starts by attacks on one class, in this case those that Obama has targeted as “rich”, in order to gain acceptance of the majority who think his policies won’t affect them. Then over time, as has been the case in every other country where socialism has been tried and failed, the target for additional taxes moves downward on the economic scale.

The definition of rich will be modified to be $150,000, then $100,000, and so on until it is just above the $30,000 number the Democrats seem to think is the sweet spot for their voter base.

Eric says: Just remember, when the so called “rich” get taxed, we will all get taxed – indirectly. They will not absorb this tax.

Companies can’t afford to absorb exorbitant expenses. It will be considered an expense of doing business and will pass onto the price of the products produced, which are then passed along to the consumer for us to pay. Or they will be forced to cut major expenses, which are employees. The worst case scenario is that the company closes its doors because it can’t compete.

DARJAC says: This tax won’t directly hurt me as the cost of living took away my principal. Nothing left.

Philip says: The Federal Tax increases fund entitlement programs such as Family Assistance, WIC, HEAP, Medicaid, Section 8 housing and much more. These recipients do not pay anything into the program, unlike SSN and Medicare where recipients have worked for years and contributed to their benefits. But the 800 pound gorilla in the room is the hyperinflation and monetary devaluation possible when there are no more buyers for our bonds. Then all will be in trouble, especially seniors no longer able to “work their way” through the crisis.

Larry H says: Whatever happened to “Ask not what your country can do for you, ask what you can do for your country.” That about half of wage earners are not paying any federal income tax is just mind blowing. You also hear about some super wealthy who don’t pay any taxes. I’d like to suggest a Minimum Income Tax based on the Adjusted Gross Income on the bottom of your 1040 page 1. If it’s less than $100K, the tax would be 1%. For each $100K increment, the tax rate would rise 1%, until you got to 10%. On 1040 page 2 where you compute your tax, that rate would be reduced by the rate you paid on page 1. There would be no deductions that would apply to the Minimum Tax… everyone would be paying something… sounds fair to me!

AMAC Takes Mature American’s Message to Capitol Hill Concerned citizen says: THANK YOU and GOD BLESS YOU, Dan Weber, for the work you are doing on our behalf. I’m so proud of AMAC and what it is accomplishing.

8 | www.amac.us

Americans are speaking out on AMAC’s website.

Please visit www.amac.us to give us your views and to read what others are saying!

“sound off” at www.amac.us Paul E says: Keep up the pressure to achieve meaningful and intelligent entitlement reform.

It’s Time for GOP to Get a New Playbook Michael says: Could not agree more. We see loss after loss with the same cast of characters. Time to go to the bullpen as these bumbling pitchers can’t get it over the plate. (couldn’t resist the baseball analogy!)

Debra Herman says: As a resident from Wisconsin, my state has 2 good rising stars who are true conservatives: Scott Walker and Paul Ryan.

Both are fiscally conservative, Christian pro-lifers who should be tapped by the GOP for the future. Middle of the road, centrist candidates won’t cut it. True conservatives will be disinclined to throw money and support behind candidates who will only sell out their interests later, and liberals will vote for the true liberal, not the GOP approximation. We need statesmen who are not afraid to stand up for true conservative principles, not politicians who sell out to the highest bidder.

Obama Won a Second Term at the Cost of a Divided Nation Bill says: The solution for this country’s problems is no longer political. It has to be spiritual solution and that begins with the believers in this country asking God for forgiveness for their sins, humbling themselves and then and only then will God heal our land…

Arlene says: The fact that Obama got reelected is devastating enough, but I am more saddened by the fact that half of the people that live in our great country voted him in. What were they thinking? I don’t recognize this country anymore & fear that by the time Obama is done with his term it will be too late to get it back.

Stan says: If President Obama truly wants a positive and lasting legacy, he will have to quickly become “the great unifier” instead of the divider we have seen during the past four years. Is he capable of that? Well, we’ll certainly find out soon enough.

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★Simply Jedediah

Protecting Healthy Debate The word “purge” has come up on Twitter, Facebook, and in right-wing media circles quite frequently these past few months. I have seen social conservatives call for purging social moderates from discussions, moderates call for purging conservatives they define as extremists, supporters of gay marriage call for purging traditional marriage proponents from debates, and pro-life advocates insist there should be no room for pro-choice conservatives on the right. The language has sometimes been ugly, and the instinct to shut down healthy debate has emerged from some unexpected voices.

My immediate response: You can’t accuse the Left of having no respect for diversity of thought or healthy debate

by Jedediah Bila while calling for a purging of disagreement on the right.

You either support a forum where individual opinions will sometimes differ and issues are robustly and respectfully debated, or you don’t.

In late December, I watched an interview CNN’s Piers Morgan conducted with Larry Pratt, the Executive Director of Gun Owners of America, on the topic of gun control. They clearly disagreed - and that’s okay, that’s what these forums are for - but Morgan was nasty, rude, and completely unprofessional. He used the phrase “idiots like you,” and at one point, said the following: “You’re an unbelievably stupid man, aren’t you?” It was appalling. I watched many on the right rush to condemn that horrific behavior, as they should have, but was left bothered by something. For months, I had watched some of those same folks on the right rush to name-call, block those expressing respectful disagreement on Twitter, and shut down debate. It just wasn’t good.

As a libertarian-conservative, I detest political ideologies that strip people’s individuality, freedom of thought, choice, and opportunity. Most of all, though, I detest collectivism. I have worked in academia and witnessed the way some on the left shut down debate. Classrooms that are supposed to be hubs of intellectual diversity and thought-provoking discussions turn into propaganda seminars where dissent is the enemy. It turns my stomach. I take issue with all those who aim to stifle free thinking and rush to purge, rather than discuss, differences.

When it comes to those I disagree with on key points, I don’t need them to be silenced in order for me to make my voice heard. Differences of opinion remind us that we’re all still individuals--independent-minded, thinking individuals, not preprogrammed robots.

I understand the frustrations of many on the right with politicians who appear to stand for nothing, who can’t be counted on to keep their word, and who are often big-government, tax-and-spend advocates masquerading as limited-government activists. I get it, and believe me, it makes me mad. However, the answer is to call those particular people out and hold them accountable for their records and deceit, not to stifle debate or mimic the collectivism of some on the left who have no room for intellectual independence.

Every day, we define who we are and what we value through our actions and words. The purging of dissent is something I have seen far too often from the Left. I, for one, hope it becomes less and less common from the Right. ★

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Producing Entrepreneurs

W

willingness to personally risk everything; yet that is precisely hat makes an entrepreneur? Is there a formal what every entrepreneur must do in order to succeed. course of study to be followed? Is obtaining a colEntrepreneurs have a clear vision, passion, tolerance lege degree the most efficient way for the driven for risk along with some basic skill, experience and start-up entrepreneur to reach for the successful establishment of capital, or a means to get some. Skill and experience are a new enterprise and the job creation that comes with it, gained by following the Nike dictate: JUST DO IT! Capital especially with today’s exploding cost of a college education is attracted in proportion to the perception of both (multiples substantially higher than CPI and GDP growth) opportunity for gain and the corresponding risk. and the consequent increase in post-graduation Risk and return are always and forever linked, so debt load and interest carry? if you seek significant financial return, you must Many colleges and universities offer courses, accept significant risk, at least according to the and some even offer degrees, in entrepreneurial prevailing “free market” philosophy. arts and sciences. While I find some of the All that said, where should our new generation offerings interesting and perhaps even useful of entrepreneurs look for guidance? First, they and beneficial, in general they aren’t the most must look to themselves for the vision, passion effective or efficient way to reach the ultimate

by Ron Lazof and drive to achieve. Secondly, they must look to goal. Certainly, a budding entrepreneur would Job Creators Alliance their peers and the examples of those who have be assisted by a working knowledge of the law, plowed the path before. Most Fortune 400 entrepreneurs accounting, economics, marketing, production methods, are self-made; that’s right, they did build it themselves. statistical measurements and other skills that go into Few have inherited wealth. Many did not finish or even making a business run. However, an aspiring entrepreneur start traditional educational paths. Their haste to JUST would probably enjoy more success if they just spent that DO IT, combined with their vision and passion, required time and energy in actually pursuing their enterprise with them to gain experience by trial of fire. When they failed – energy and a thoughtful plan. and make no mistake they did fail at some point, perhaps Doing is all-important. I believe the sport apparel and repeatedly – they got up, dusted themselves off and tried equipment manufacturer, Nike, got it right in their longagain, in a cycle that sees no obstacle as too big and accepts running marketing campaign: JUST DO IT! It applies to no limitations on their own thinking. So if you desire to be sport, where success in execution is all-important, but it entrepreneurially creative, and become a job creator for the certainly also applies in business. Training and education good of yourself and your Country, take your well-formed in law, accounting, marketing, and the associated vision and deep seeded passion and get out and DO IT! ★ business skills, while they are ultimately necessary to a successful enterprise, exist in a marketplace where they Ronald Lazof is managing director of Prism Advisers, LLC and can be “purchased” as and when needed. What cannot be a Job Creators Alliance member. purchased is the vision and passion for success required to take an idea and turn it into a business. And an idea is not the same thing as a business. Nor can one buy the

14 | www.amac.us

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Now, in 2013, the Engineers at Ampli-Ear have developed an ALL NEW top of the line Digital Hearing Amplifier ... aptly named the Mega Ampli-Ear. All new Digital circuity - and the Digital Enhanced Capacitor - amplifies sound like never before! American Research Institute testing rates the new Ampli-Ear a full 100 out of 100 points for clarity, amplification, and comfort!

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A Note from the President of Ampli-Ear Look... I know you may be skeptical of a $34.50 Hearing Amplifier.

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I promise you AmpliEar is a top quality product... that will make a REAL DIFFERENCE in YOUR quality of life. With nearly 1 million units sold, countless testimonials, and factory Direct Pricing - I can say with confidence that you will be happy with your purchase. And if you aren’t - I will send your money back.

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★ Health

Safeguard Your Future!

What Everyone 50 Years Old Must Know

G

eorge Burns once said “you can’t help getting older, but you don’t have to get old!” Those of us who are in our 50s and 60s, well, we’re looking pretty darn good. But have you thought about whether or not you’re safeguarding your health?

Addressing a handful of health risks at mid-life can profoundly affect your future, and while none of us wants to think about a time when we can no longer live independently, we should recognize that the good news is, much of how we live out our later years in life is within our control.

Safeguarding your health ■ Smoking. Smoking increased the likelihood of a nursing home admission by 56% in the younger group and by 32% in the older group.

■ Inactivity. Among those ages 45 to 64, physical inactivity boosted the risk of entering a nursing home by 40% (although it had no significant impact at older ages).

■ Obesity. In the 65-to-74 age group, obesity increased the risk by 31% (although it had no significant impact at a younger age).

■ Diabetes. Among those ages 45 to 64, diabetes more than doubled the risk of eventually entering a nursing home.

■ High blood pressure. High blood pressure also increased the risk, by 35% in the 45 to 64 group and by 29% in the older group.

These problems contribute to many chronic illnesses that can cause disability and death as we age, including heart disease, stroke, osteoporosis, and certain cancers.

The effect was even greater when risk categories were combined. For example, diabetic smokers in the younger group were five times more likely to enter a nursing home than people the same age with no risk factors.

What to do Taking steps to address these five factors could reduce not only the risk of a future nursing home admission but also the chance of premature death. Fortunately, most are within our control.

✔ If you smoke, talk to your doctor about options for quit-

ting. We all know that smoking is bad for health, but here’s a quick reminder of how bad: it’s harmful from before birth to the end of life, raising the risk of cardiovascular

16 | www.amac.us

disease, cancer, respiratory disease, osteoporosis, macular degeneration, and cataracts.

✔ Become more active. Just 30 minutes of brisk walking five

days per week reduces the risk of heart attack, stroke, and diabetes; lowers blood sugar levels; decreases depression; and helps activate genes that clear fat and sugar from the bloodstream.

✔ Improve your diet

through some simple changes. Add more servings of dark green, red, orange, or yellow vegetables or fruits to your daily intake, with a goal of reaching nine servings per day. And switch to healthier fats: skip trans fats, choose fewer saturated fats, and get more healthy fats (monounsaturated and polyunsaturated oils and omega-3 fatty acids). Plant oils, nuts, and fish are all good sources.

✔ Get your blood pressure under control. Exercise regularly,

don’t smoke, and consider adopting the classic DASH eating plan, a diet high in fruits, vegetables, and low-fat dairy products and low in red meats (and other sources of saturated fats), sweets, and sodium (salt). The Omni Heart trial, published in 2005, showed that you can lower blood pressure even more by eating fewer carbohydrates and more healthy fats and protein.

✔ Talk to your doctor about bone mineral density (BMD) testing. All women ages 65 and over should have their BMD tested. If you’re at high risk for osteoporosis, your clinician may recommend screening at an earlier age. Be sure to get adequate calcium (1,000 to 1,200 mg per day) and vitamin D (800 to 1,000 IU per day).

Depression is another risk factor for nursing home admission. A 2007 European study that analyzed information from 11 countries on adults ages 65 and over receiving home care services found that the more severely depressed a person was, the more likely she or he was to be admitted to a nursing home. There are several possible explanations. Depression can chip away at immune function, heart health, self-care, and the ability to stay active and connected with others. ★ Information provided by Harvard.edu.

R

The world’s leader in hydrotherapy and relaxation makes bathing safe, comfortable and affordable.

emember the feeling you had the first time you got into a hot tub? The warm water, the energizing bubbles and the gentle hydrotherapy of the jets left you feeling relaxed and rejuvenated.

Aches and pains seemed to fade away, and the bubbling sound of the water helped put you in a carefree and contented mood. The first time I ever got in a hot tub at a resort, I said to myself “One of these days I’m going to have one of these in my home– so I can experience this whenever I want.” Now that I’m older, I’d still like to have the pain relief and relaxation, but I have to be careful about slipping and falling in the bathroom. That’s why I was thrilled to find out that Jacuzzi had combined the safety of a walk-in bath with the benefits of a hot tub. Now that I have one in my home I can have that luxurious resort experience… whenever I want.

The moment you step into your Jacuzzi Walk-In Hot Tub you’ll see the superior design and the quality of the craftsmanship. The entry step is

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to massage you thoroughly but gently.

These high-volume, low-pressure pumps are arranged in a pattern that creates swirls and spirals that provide both a total body massage and targeted treatment of specific pressure points. The tub features a high gloss acrylic coating which is more

Why Jacuzzi is the Best ✓ Easy and Safe Entry Low entry, leakproof door allows you to step safely into the tub. ✓ Durable and Easy to Clean State of the art acrylic surface. ✓ Comfortable Seating Convenient 17 inch raised seat. ✓ Worry Free Enjoyment Thanks to Jacuzzi's Lifetime Limited Warranty. ✓ Maximum Pain Relief Therapeutic water AND air jets. ✓ Relax Fully - All controls are within easy reach. ✓ Personalized Massage Adjustable back jets for pinpoint control. ✓ No Hassle Installation Designed to fit in your existing tub space.

durable, scratch resistant and easier to clean than traditional gel-coat surfaces. It’s American made with full metal frame construction and comes with a lifetime warranty on both the tub and the operating system.

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★ Health

“Game Changer” in Prostate Cancer

by Gerry Hafer

N

early a quarter million men were expected to be diagnosed with prostate cancer in 2012, up by nearly a thousand over the previous year. For males over the age of 50, particularly those with a family history that includes prostate cancer, the odds of developing prostate cancer are greatly increased, making it something that needs to be in the forefront of everyone’s quest for good health. The American Cancer Society projects that roughly 1 in 6 men will be diagnosed with this disease in their lifetime. Prostate cancer trails only lung cancer as the leading cause of cancer deaths in men.

What is of particularly great consequence is the fact that some people with prostate cancer will not display any of the common symptoms. However, there is a promising bright side. Although prostate cancer is clearly a serious disease, the survival rate is relatively high, with the American Cancer Society reporting a five-year survival rate of nearly 100%, largely as a result of breakthroughs in the area of early detection. One of these advancements has been termed a “game changer” by medical professionals, and is exhibiting the potential for radically changing the landscape for diagnosing and pinpointing prostate cancer in situations where prior tools and active surveillance (digital examinations and abnormal prostate-specific antigen [PSA] levels followed by biopsy) were unsuccessful in finding cancer cells.

The breakthrough that has caught the attention of the medical world is a technological approach that combines magnetic resonance imaging (MRI) with computer-aided detection (CAD) software to produce highly targeted biopsies. These higher resolution images make it easier for physicians to pinpoint cancer cells, particularly in areas of the prostate that have been historically difficult to biopsy. It’s called VividLook, developed and marketed

by New Hampshire-based iCAD, Inc. A major provider in the production of cancer detection technologies for over 10 years, iCAD holds over twenty patents in advanced image analysis systems used by medical professionals to pinpoint cancer earlier in the diagnostic cycle.

In concept, the VividLook approach is an extension of MRI technologies that have been around for some time, but the interjection of CAD takes much of the guesswork out of the process by identifying more precisely the location of cancer cells. The “needle-in-a-haystack” conditions often facing clinicians are replaced by VividLook’s localized, highly precise images that guide the biopsy process. Through this technology, the need for multiple biopsies, sometimes as many as 12, has been greatly reduced

18 | www.amac.us

photos courtesy of: Bill Mitchell/Daily Sun

Dr. Cathrine Keller, of Lake Imaging, looks at images from the MRI VividLook software used to pinpoint prostate cancer.

An image of scan results shows prostate cancer found using VividLook software.

The MRI machine at Lake Imaging at the Sharon Morse building in The Villages uses new VividLook software which can accurately pinpoint cancer locations.

or even eliminated, and the result is often the avoidance of false positives or, worse, the failure to spot existing prostate cancer.

With technological advances like VividLook, and the resulting improvements in survival rates for victims, the diagnosis of prostate cancer is no longer the life-shattering experience it once was. In fact, these technologies also go a long way toward providing by-product information vital to the planning of treatment approaches, often translating to a head start for medical professionals in aggressively attacking the cancer.

But make no mistake about it, prostate cancer is a serious disease, one that requires constant awareness. For men age 50 or older, the importance of discussing the symptoms of prostate cancer with your family doctor cannot be overstated. In fact, it’s a good idea to discuss the subject of prostate cancer in general with your doctor, even if you haven’t detected any symptoms, since the disease in its early stages is often silent.

So, a word to the wise… be vigilant, and be proactive in dealing with this (and all other!) potential threats to you health and well-being. ★

©2013 IHSSM S-8974 OF26643R-1

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Survey results show over 73% of people pick the new Wedge Sound System over the more expensive $500 Music System.

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★Money

Don’t Let Overdraft Fees Drain You!

by Gerry Hafer

I

Consumers need to be constantly vigilant

t may be a sign of the times, but it’s still annoying! And it’s something that consumers need to be constantly vigilant about, especially as banks seek ways to bolster revenue in the face of increasing legislation following our nation’s 2007-2008 financial crisis. We’re … talking about the continual “sharpening of the pencil” especially as banks permeating the banking industry in the face of competition and lower operating margins in the post-crisis economy. seek ways to bolster What the banking industry is facing is not really much different from any business. The compression between income revenue in the and expenses tends to diminish running room in the search face of increasing for a corporate profit. The whimsical “3-6-3” rule that people once used to sum up the way banks operated has gone away, legislation following leaving them scrambling to find new and different ways to our nation’s 2007increase revenue.

Shifting away from fee-free checking accounts to the offer2008 financial crisis. ing of new, fee-based financial management services, elimination of bonus rates on certificates of deposit, increasing charges for ancillary services like safe deposit boxes, and so on are examples of banks’ revenue-increasing strategies. But an even more aggressive approach developing in the financial community is the expansion of overdraft charges that can sneak up on you and punch a major, unanticipated hole in your cash balance.

The collection of overdraft fees - those “safety net” charges customers sign up for in the event of an unplanned cash shortage - brought an average revenue of $34 billion to banks during the June 2008 to June 2012 period. Much of this rise is attributed by industry experts to increased use of debit cards in situations where ready cash is not available for purchases. You can think of is as a short-term loan, but for small purchases the interest rate can be pretty painful.

Here’s an example of how the overdraft charges can nail you: Using a debit card for a coffee purchase, say a $3 or $4 specialty coffee, linked to a checking account with a $2 balance could generate a $30-35 overdraft fee, even though a regularly-scheduled payroll deposit later in the day would have rescued the account!

The Consumer Financial Protection Bureau (CFPB) is beginning to examine these banking practices with an eye toward making safeguards available to consumers.

In the meantime, there are steps you can take to protect yourself, like proactively declining overdraft protection, balancing your checkbook more frequently, linking your checking account to a savings account, using budget alerts (many banks offer low balance alerts), or pre-arranging an overdraft line of credit at a competitive rate.

AMAC is watching this! ★

20 | www.amac.us

“TV Ears saved our marriage!”

Made in America!

--- Darlene and Jack B., CA Doctor Recommended TV Ears has helped over a million people with hearing loss hear the television clearly without turning up the volume! With TV Ears wireless technology, you set your own headset volume and tone, while family members set the television volume to a pleasant level or mute the volume altogether. Imagine watching television with your family again and hearing every word clearly… as thousands of our customers have said, “TV Ears has changed our lives!”

TV Ears Patented Technology includes a self-molding foam ear tip for comfort and cleanliness, 120 decibels of unparalleled volume, and our proprietary Voice Clarifying Circuitry™ which increases word discrimination so that television dialog is clear and understandable. Get the technology that has proven to help the most demanding customers. That’s why TV Ears has earned the trust of audiologists nationwide as well as world renowned doctors.

Hear television dialog clearly without disturbing others with loud TV volume!

“Now my husband can have the volume as loud as he needs... and I can have the TV at my hearing level. “TV Ears” are so comfortable that Jack forgets he has them on! He can once again hear and understand the dialog.”

From George Dennis, founder of TV Ears, Inc. - Darlene & Jack B., CA “Driven by my personal understanding of the impact that hearing loss has on a family, I set Risk Free Trial. TV Ears 3.0 comes with a 30-day risk out to create a product to relieve one of the free trial. If you’re not completely satisfied, return it for Weighs only 2 oz. a full refund of the purchase price. most frustrating aspects of hearing loss... watching television. Put on TV Ears and Eco-friendly enjoy television once again. It’s now also TV Ears 3.0......................$129.95 rechargeable battery completely made in America!” eliminates high cost of #1 Dr. Recommended TV Headset.

“My wife and I have used TV Ears almost daily for the past five years and find them an invaluable help in our enjoyment of television—we would not be without them.

As a retired otologist, I heartily recommend TV Ears to people with normal hearing as well as those with hearing loss.”

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disposable batteries Adjust Headset Volume and Tone

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★Your Medicare Advisor

Important 2013 Medicare Enrollment Periods...

For: Medicare Advantage Plans, Medicare Prescription Drug Plans and Supplements (Medigap)

by Diana Wisniewski

Many Medicare Beneficiaries are confused by the Medicare Enrollment Periods. Below you will find an explanation of the Medicare election periods for beneficiaries with Parts A and/or B.

Initial Election Period

Medicare Advantage Disenrollment Period

■ Medicare beneficiaries aging in to Medicare can enroll into Medicare Advantage Plans or Medicare Prescription Drug Plans at any time during the year within a 7 month period of their 65th birthday.

1/1 – 2/14

■ Beneficiaries aging in have to enroll within the three months before, the month of, and the three months after they turn 65.

■ Beneficiaries that have delayed their part B effective dates have the three month period before the Part B effective date to enroll into a Medicare Advantage or Prescription Drug Plan.

Special Election Periods ■ People with Medicaid, a Low Income Subsidy and people who are institutionalized in a facility such as a long term care hospital or skilled nursing facility can make changes to their plans all year round ■ People who qualify for a Special Election Period can also enroll in a Medicare Advantage or Prescription Drug Plan all year round but are subject to specific timelines to enroll into a new plan.

■ Some examples of Special Election Periods are if you move out of the plan’s service area, or if you involuntarily lose health insurance coverage. There are many more Special Election Periods as well. Please call a trusted AMAC licensed insurance agent to see if you qualify.

22 | www.amac.us

■ This is the time of year a Medicare beneficiary can disenroll from a Medicare Advantage Plan, revert back to Original Medicare and enroll into a stand-alone Medicare Prescription Drug Plan.

Annual Election Period 10/15 – 12/7 ■ This is the time of year Medicare Beneficiaries can make changes to their Medicare Advantage and Prescription Drug plans for the upcoming year.

Supplement Plans: Apply All Year Long 1/1 – 12/31 ■ Supplements can be applied for all year long. People turning 65 or just getting their Part B have an Open Enrollment period and can pre-enroll up to six months before the Part B effective date, and can enroll up to 6 months after their Part B effective date. During Open Enrollment there is no medical underwriting. Some people may qualify for a Guarantee Issue period which also has no underwriting.

■ Beneficiaries who do not fall into one of these categories may be subject to underwriting.

■ Examples of a Guarantee Issue period are involuntary loss of health coverage or a Medicare Advantage Plan stopping service in the beneficiary’s home area. There are other reasons you may qualify for a Guarantee Issue enrollment.

Please call one of AMAC’s licensed insurance agents to see if you qualify.

For more information please call one of AMAC’s trusted licensed insurance agents at 800-334-9330. ★

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www.amac.us | 23

Story #2: Butch O’Hare

Easy Eddie and Butch O’Hare An Unlikely Tale of Crime and Patriotism

World War II produced many heroes. One such man was Butch O’Hare. He was a fighter pilot assigned to an aircraft carrier in the South Pacific.

One day his entire squadron was sent on a mission. After he was airborne, he looked at his fuel gauge and realized that someone had forgotten to top off his fuel tank. He would not have enough fuel to complete his mission and get back to his ship. His flight leader told him to return to the carrier.

Reluctantly he dropped out of formation and headed back to the fleet. As he was returning he saw something that turned his blood cold. A squadron of Japanese Zeroes was speeding their way toward the American fleet. The American fleet was all but defenseless. He couldn’t reach his squadron and bring

Story #1: Easy Eddie Many years ago, Al Capone virtually owned Chicago. Capone wasn’t famous for anything heroic; he was notorious for enmeshing the city of Chicago in everything from bootlegged booze and prostitution to murder.

Easy Eddie was Capone’s lawyer and for a good reason; his skill at legal maneuvering kept Big Al out of jail for a long time.

To show his appreciation, Capone paid him very well. Not only was the money big, but Eddie got special dividends. For instance, he and his family occupied a fenced-in mansion with live-in help and all of the conveniences of the day. Yes, Eddie lived the high life of the Chicago mob and gave little consideration to the atrocity that went on around him.

Eddy did have one soft spot, however. He had a son that he loved dearly. Eddy saw to it that his young son had the best of everything - clothes, cars, and a good education. And, despite his involvement with organized crime, Eddie even tried to teach him right from wrong. Yes, Eddie tried to teach his son to rise above his own sordid life. He wanted him to be a better man than he was. Yet, with all his wealth and influence, there were two things that Eddie could not pass on to his beloved son: a good name and a good example.

One day, Easy Eddie reached a difficult decision. Offering his son a good name was far more important than all the riches he could lavish on him. He would try to clean up his tarnished name and offer his son some semblance of integrity by testifying against The Mob and Scar-face Al Capone, and he knew that the cost would be great. But more than anything, he wanted to be an example to his son, make restitution and hopefully have a good name to leave his son.

So, he testified. Within the year, Easy Eddie’s life ended in a blaze of gunfire on a lonely Chicago street. He had given his son the greatest gift he had to offer at the greatest price he would ever pay.

24 | www.amac.us

them back in time to save the fleet.

There was only one thing to do. He must somehow divert them from the fleet. Laying aside all thoughts of personal safety, he dove into the formation of Japanese planes. Wingmounted 50 calibers blazed as he charged in, attacking one surprised enemy plane and then another. Butch weaved in and out of the now broken formation and fired at as many planes as possible until finally all his ammunition was spent.

Undaunted, he continued the assault. He dove at the Zeroes in hopes of damaging as many enemy planes as possible and rendering them unfit to fly. He was desperate to do anything he could to keep them from reaching the American ships. Finally, the exasperated Japanese squadron took off in another direction.

Butch O’Hare and his tattered fighter limped back to the carrier. Upon arrival he related the event surrounding his return.

The film from the camera mounted on his plane showed the extent of Butch’s daring attempt to protect his fleet. He was recognized as a hero and given one of the nation’s highest military honors.

And today, O’Hare Airport in Chicago is named in tribute to the courage of this great man.

What do these two stories have to do with one another?

Well, you see, Butch O’Hare was Easy Eddie’s son.

Regardless of your past, you can leave a legacy that will change people’s lives. ★

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AMAC on Capitol Hill

by Andrew J. Mangione Jr.

I

t may be winter, but AMAC’s activity is heating up in Washington, DC. AMAC founder Dan Weber started 2013 where he left off in 2012-- building coalitions and strengthening relationships on Capitol Hill. Just over two weeks into 2013, Mr. Weber was back in Washington meeting with the small business advocate National Federation of Independent Business (NFIB) and pro-business conservative political action committee, BIPAC, to discuss issues affecting the private sector, and also to explore potential synergies. Dan also continued to present AMAC’s ideas to make Social Security solvent to lawmakers on both sides of the aisle. He presented AMAC’s Social Security draft legislation to the Senate Democratic economist in January after meeting with the Senate Republican economist in December, 2012. The feedback from these two experts, like the reaction from other members of Congress and their staff, was consistently positive and productive. If you would like to review the ideas to ensure Social Security’s solvency in greater detail, please visit the AMAC web site, www.amac.us.

Dan Weber and I reThe momentum created turned to our nation’s from 2012 persists Capital and attended the in 2013, and AMAC’s Weyrich Lunch on February 13. The event’s web influence continues to site, www.weyrichlunch. grow on Capitol Hill. com, described the lunch’s Please look for many namesake, the late Paul significant updates of Weyrich, as “a leader in the conservative moveyour AMAC in Action in ment who possessed a the coming months. rare combination of strategic vision, principle and entrepreneurial spirit. He was also a founder and past director of the American Legislative Exchange Council, the founding president of the Heritage Foundation, and the National Chairman of Coalitions for America.” Paul Weyrich

28 | www.amac.us

passed away in late 2008, and the Weyrich Lunch is the successor to the conservative strategy luncheons that he hosted for many years.

Dan and I attended this invitation-only lunch held at the venerable Ebenezers Coffeehouse located just a few blocks from Union Station on Capitol Hill.

Andrew J. Mangione Jr. is the The lunch was attended by nuDirector of Business Development for the Association of Mature merous conservative legislators American Citizens (AMAC). in both the House and the Senate, and Mr. Weber made a presentation introducing the lawmakers to AMAC. Each legislator left with an informational packet detailing AMAC’s history, growth, mission and activity on the Hill.

Spring-boarding from the Weyrich Lunch, AMAC then hosted its own Valentine’s Day event at the Capitol on February 14.

This reception was organized to emphasize the need to preserve, protect and sustain Social Security for older Americans and future generations. With a large pop-up banner highlighting the features of the draft legislation serving as a backdrop, Dan Weber again reiterated AMAC’s Social Security initiatives to many legislators and staff. The reception also functioned as an opportunity for AMAC to recognize those legislators who seek collaborative, sensible solutions for the issues facing Social Security. These lawmakers were presented with the “AMAC Guardian Award” for their efforts to safeguard Social Security and perpetuate its existence.

The reception also provided an ideal platform to introduce AMAC to those members of Congress and staff previously unfamiliar with our organization and much goodwill and support was generated. The momentum created from 2012 persists in 2013, and AMAC’s influence continues to grow on Capitol Hill. Please look for many significant updates of your AMAC in Action in the coming months. ★

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Women of the Right

by Andrew J. Mangione Jr.

30 | www.amac.us

T

hey are bright, bold and outspoken. They are intelligent, educated and independent. They are authors, influential thought leaders and media contributors. Some are sisters, wives and mothers, but they’re all American patriots. You’ve seen them on television, heard them on the radio

and may have read their best-selling books. “They” are Jedediah Bila, Ann Coulter, Laura Ingraham and Monica Crowley, and they are the Women of the Right.

We recently had the opportunity to interview these wonderful correspondents and ask them their thoughts on conservative values, the effects of liberalism, career satisfaction and more. Please enjoy this AMAC Advantage exclusive! **Sources: jedediahbila.com, anncoulter.com, lauraingraham.com, foxnews.com, Wikipedia.com, amazon.com

Jedediah Bila Jedediah Bila is an author, columnist and television and radio personality. She is also a FOX News and FOX Business contributor. You have also read Ms. Bila’s columns in AMAC Advantage and on the AMAC web site.

Jedediah graduated Valedictorian of her class at Wagner College and earned a Master of Arts from Columbia University. She went on to hold a number of diverse leadership positions. Jedediah is a featured speaker for the Clare Boothe Luce Policy Institute.

She is also a Pioneer Mentor at The New Agenda.

Q A

Were you liberal when you were younger?

Q A

What do you like best about being conservative?

No, I was never a liberal. I joke with my parents that I popped out of the womb as a libertarian-conservative.

Reagan always made sense to me; Carter never did. I was really lucky growing up because I was surrounded by different political ideologies in school and at home.

Liberals, conservatives, libertarians, and everything in between were often at my dinner table. I had the chance to listen to political discussions, hear all sides of the story, and figure out what I believed in. Big-government policies, high taxes, and class warfare just never hit home with me.

I like promoting freedom and the right of people to make decisions for themselves about their own lives--what they eat, whether they have health insurance, and more. I love talking to kids about opportunity, self-reliance, and personal responsibility. I have always found it empowering to know that how hard I work, what goals I reach for, and how ambitious I am with respect to those goals are up to no one but me. As a libertarian-conservative, I embrace

policies that let me do those things without the heavy hand of the federal government in my way.

Q A

How does liberalism hurt women?

I think any political ideology that promotes dependency hurts women, while also hurting men, children, and society at large. When the Obama camp released their Julia campaign during the 2012 election season, I was horrified to see cradle-to-grave government assistance for women glorified. Many “feminists” also rushed to lend their support. It was a disgrace-condescending to the abilities of women to care for themselves without the help of government and a slap in the face to founding feminists who fought long and hard for women’s equality and the notion that women are capable, intelligent, independent decision-makers.

Q Are conservatives losing the battle for the hearts and minds of Americans?

A

In a sense, they are. However, it’s not because the conservative message is outdated; it’s because the conservative approach to delivering that message is outdated. They need to be unafraid of markets like reality television that appeal to kids, forums like coffeehouses and down-to-earth settings that young people flock to, and left-wing campuses where the conservative message is grossly outnumbered. Outreach matters and is completely different from the pandering often engaged in by the Left. Also, the quality of messengers is key. We need charismatic, energetic, positive messengers who have the ability to excite people and convey constitutional principles in a way that is both accurate and engaging.

These things aren’t easy, but they are necessary to change hearts and minds.

Q A

What led you to your current profession?

I actually fell into this by accident. A couple of years ago, I was working as a teacher and Dean in a Manhattan private school. I watched the 2008 presidential election play out and was shocked by the level of media bias. I remember hearing a story from a family friend about voter fraud and being moved to write a blog post about it continued on pg. 32

www.amac.us | 31

Women of the Right continued from pg. 31

in 2009. I immediately got a flood of mail. That led to writing columns online, TV appearances, and everything you see just a few short years later. What led me to this profession most, beyond the desire to take on media deceit, was the desire to give people honest, talking point-free commentary. I’m not a Republican strategist, nor am I interested in propping up a machine or defending a party at all costs. I’m really here to tell you what I think, to give you an honest take on the issues, and to take on corruption, bad policy, and lying politicians no matter where they fall on the political spectrum.

Q A

What do you like to do to relax?

I love fitness, so boxing, boot camps, long runs, lifting weights, wall climbing--I’m up for them all on a Saturday afternoon. I love delicious, healthy food, and having a best friend who is an amazing cook has been a gift from God. Let’s just say I spend a lot of time stuffing my face. I also adore music, so I love searching for new artists. Sarah McLachlan is my favorite, but there are so many I adore. You can typically find me on a Sunday afternoon writing journal entries or fiction while folksy tunes dance through my iPod speakers.

Analytical writing has its place in my world, but creative writing is where I’m most myself.

Q

What is your favorite location in the United States?

Why?

A

This is a tough one, so let me give you a few places I love before I answer your exact question. I adore Amherst, Massachusetts, which I discovered with an old love many years ago. Small New England towns with winter cottages and charming shops always have me at hello. South Beach, Miami is my favorite place to put my toes in the sand and dance through the night. San Diego, California has a way of calming my body and mind that I can’t explain. However, my favorite place in the United States would still have to be Manhattan, which I’ll always call home. Growing up in New York City was probably the biggest gift I’ve been given of all. Not just because I’ve been surrounded by rich culture--museums, bookstores, art galleries, poetry readings--but because this place really builds a strong backbone. There’s a fearlessness about native New Yorkers that I love, a hurried energy, a desire to get things done yesterday, and an amazing endurance. Yes, it can be exhausting and all-consuming to live here. My friends visiting from other states often ask me how I get used to my mind and body running nonstop. I never have a good answer, to be honest. However, it’s a good exhaustion, the kind that comes from unique projects and cultural journeys and, yes, crazy taxicab adventures. Truth be told, no matter where I wind up, I’ll always be a New Yorker. I’ll likely be a little tough sometimes, but I’ll get you where you need to go. And quickly.

32 | www.amac.us

Laura Ingraham Laura Ingraham is the most listened-to female talk radio host in the United States. The Laura Ingraham Show is heard in hundreds of markets coastto-coast, and is the third-most-streamed show in the country.

Ms. Ingraham is the author of numerous New York Times bestsellers. She is also the permanent substitute host on The O’Reilly Factor. In addition, she is a frequent guest on the Today Show and other shows such as ABC’s This Week. A former litigator and Supreme Court law clerk, Ms. Ingraham is a graduate of University of Virginia School of Law and Dartmouth College.

Q A

Were you liberal when you were younger?

Q

How does liberalism hurt women?

Never. At the 1980 election night party at our high school, there was exactly one table out of approximately 30 for Reagan. I was there dancing and whooping it up--gloating among all the Carter kids when Reagan was declared the victor. Never did I think I would actually work in the Reagan White House. My first political memory was how I felt sitting in our Volkswagen station wagon in a Carter-era gas line on a hot day with my mom. I thought, this seems really senseless and annoying. That pretty much describes how I have felt about liberalism ever since.

It is a false promise--government can’t be daddy, mommy and perpetual caretaker. The promise of “liberation” sounded good -- but by the time liberals had their way, equal opportunity had morphed into political correctness, entitlement mentality, and affirmative action. Policies aren’t “compassionate” and neither is government. Our money is too often squandered on programs and plans that end up actually hurting families sustained by women working inside and outside the home. The free market offers opportunities for women that a government commission never could.

Liberalism has too often viewed capitalism as an enemy to be vanquished, or at least tamed into submission. This has been horrid for women -- their wages, their husband’s wages, and their children’s future opportunities. continued on pg. 34

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Women of the Right continued from pg. 32

Q What can we do to increase the visibility of conservative values?

A

We need great story-tellers, better communicators who are unafraid to take the conservative economic and cultural message beyond our natural supporters to potential voters in the inner city, on college campuses, and throughout blue states. Conservatives have largely abandoned the culture, leaving it to be monopolized and dominated by left-leaning talent. This was a crucial mistake. The same has happened in social media. I think Mitt Romney would have been a good president, but he had a less-than-impressive social media strategy, as well as a generally uninspired media strategy.

This must change in the coming election cycles. Conservative thinkers should be eager to debate anyone at any time on any subject important to the country politically and culturally.

Q A

What are the most satisfying aspects of your job?

Speaking with the American people, hearing their concerns, having listeners approach me to say how much the show means to them, helping businesses grow by advertising their products and services to a phenomenal listening audience. Also, maybe most important, I love knowing that I make people laugh. (Even liberals who are laughing at me!) Over the years, I am blessed to have interviewed and spent time with members of our armed forces (active duty and retired). Interviews with them were some of my favorite segments. The stories of these quiet, humble heroes should be known by our children rather than the exploits of those trashy celebs famous for being famous.

Ann Coulter Ann Coulter is the author of eight New York Times bestsellers.

She is also a syndicated columnist and a frequent guest on many television shows including The Today Show, Good Morning America, The Early Show, The Tonight Show, Hannity and The O’Reilly Factor. Ms. Coulter graduated with honors from Cornell University School of Arts & Sciences, and received her J.D. from University of Michigan Law School, where she was an editor of The Michigan Law Review.

Q A

Were you liberal when you were younger?

Q A

What do you like best about being conservative?

Q A

How does liberalism hurt women?

It’s not for me. I’m far too impatient and uncompromising.

But I’ve thought about it--debating my opponent is something I’d relish. The constant fundraising and negative campaigning would get old fast.

Q A

What can women do to promote conservatism?

Q A

What do you like best about being a mother?

Q What can we do to increase the visibility of conservative values?

Q A

What do you and your family like to do to relax?

Q A

Would you ever consider running for public office?

Hugs and kisses, and witnessing my children making good choices. I love it when my daughter reminds me to say grace before dinner. She’s so smart and kind. I love playing sports with them and having nothing to do except play in the park. Most important, I love giving them the gift of faith.

Story time, bike rides, movie nights, hikes in the woods, and nature walks. My littlest, Nikolai, likes tackling me for no reason. That’s pure joy. Dmitri loves Spider Man everything.

Maria is horse crazy so we do what we can to read about horses, see horses, and ride when we’re lucky enough to do so!

I was a libertarian while in utero, but after being born I found out how the real world works and quickly became a conservative.

Not having to spend all my time ruining everything for everybody.

I assume you’re talking about the women who are allowed to leave the womb alive …

Get married before having children. Never watch daytime TV. Buy and distribute my books.

A

Do what I do: break into people’s homes at random and switch their TV sets to FOX News. Some day they’ll thank you for it.

Q Is America a conservative nation? Follow-up question: How so?

A

Yes, but at the moment we’re experimenting with socialism, like a college kid who spends second semester of her sophomore year as a lesbian.

Q A

What are the most satisfying aspects of your job?

Fighting crime. continued on pg. 36

34 | www.amac.us

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Women of the Right continued from pg. 34

Q A

Would you ever consider running for public office?

Q A

What do you and your family like to do to relax?

No, but I haven’t ruled out seizing absolute power following a bloodless coup.

Nothing beats a quiet evening in front of the fireplace with hot chocolate and popcorn cleaning our guns

Monica Crowley

.

Monica Crowley hosts the nationally syndicated Monica Crowley radio show.

She is also a best-selling author, columnist and FOX News foreign affairs analyst and contributor. She has also been a regular panelist on The McLaughlin Group.

Ms. Crowley has written for the New Yorker, The Los Angeles Times and the Wall Street Journal. Ms. Crowley holds a B.A. in Political Science from Colgate University and a Ph.D. in International Relations from Columbia University.

Q A

Were you liberal when you were younger?

I came out of the womb a conservative. Politically, temperamentally, and culturally, I’ve always tended to be conservative. I don’t think I’ve had a hard left thought in my life, except to beat it down.

Q When did you first realize your conservative preferences?

Both of my parents were conservatives, so the philosophy was always present and being fully absorbed. I think the first time I was really aware of my conservative ideology was when Ronald Reagan was president. I was pretty young at the time, but every time I heard him speak on limited government, fiscal responsibility, individual liberty, economic freedom, and a strong national defense, I just knew instinctively that what he was saying was correct; that it was the path the Founding Fathers had laid out for this country, and the path that had led it to superpower status in a very short period of time. It wasn’t until later that I understood WHY Reagan’s views were correct, but once I did, I also understood that it was the philosophy that made America not just a great nation, but a good one as well.

36 | www.amac.us

Q A

What do you like best about being conservative?

Conservatism is THE place to be, because it embodies the great foundational principles on which this nation was built---ordered liberty and economic freedom---and because after decades (in fact, centuries) of empirical evidence, we know conservatism in all its forms (limited government, free markets) works. It is the only philosophy that has repeatedly and constantly delivered extraordinary human liberty and prosperity. No other philosophy even comes close.

Q Are conservatives losing the battle for the hearts and minds of Americans?

A

It’s a tough time for conservatives: the hard left controls the presidency and the Senate, and the progressive agenda is on the march, being forced through via legislation and executive action. But we’ve been through dark days before, and we’ve come through previous challenges stronger and more formidable than before. The key is in fearless and charismatic leadership, in folks who are unafraid to articulate and fight for conservative principles. But that’s not enough.

We need grassroots mobilization, a kind of community organizing of our own. We need those who believe in liberty and free markets, smaller government and less regulation, and economic freedom to fight and win at the local level as well as at the state and national levels. We also need to start to move the culture, which has long been controlled by the Left, and we need to take on the media, most of which has been incredibly corrupted. It’s a tall order, but we can do it, because I still believe we’re a center-right nation, and most of us are still dedicated to the American idea.

Q A

What is your definition of conservative values?

Q A

What do you like to do to relax?

A true and enduring belief in limited government, fiscal responsibility, individual liberty, and economic freedom, strong national security…all of the extraordinary foundational principles that have led to and sustained American greatness.

I love to read, see great movies and theater, visit terrific restaurants, exercise, and walk the beach. Any beach.

Q What is your favorite location in the United States?

Why? A

There are so many gorgeous and special places in this country, but I’m partial to Florida for its warm sunshine, Hawaii for its beauty, and New Jersey for being such a great place to grow up. But I absolutely love eastern Long Island: home to some of the most spectacular beaches and cozy villages in America. I find great serenity there, in a way I don’t find it anywhere else. ★

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“It is a poverty to decide that a child must die so that you may live as you wish.” - Mother Teresa

we are pro-life!

Please tell your friends about us!

if you are not a member… join now!

1.888.262.2006 visit us online: www.amac.us

★Travel

Soak up the Sun in Palm Springs, California

photo: Raymond Shobe

by D.J. Wilson

E

xperts concur there is a direct correlation between time spent in sunny climates and increased personal wellness. Perhaps it is due to Vitamin D which increases serotonin, the mood neurotransmitter. Just 15 minutes of daily sunlight exposure is medically proven to promote healthy neuromuscular functions, which many doctors believe may help protect people from some forms of cancer and may increase happiness. Palm Springs, California has 350 days of sunshine every year and that is likely why a visit there may boost your good mood.

Nestled at the base of the picturesque San Jacinto Mountains, the City of Palm Springs is lined with palm trees, boutiques, art galleries and museums. Considered a desert playground, it is the perfect sunny place to plan a family vacation, take a romantic getaway or visit

photo: Matthew Hickey

forcing their presence as a buffer against Russian colonization of the Americas advancing from the north and wished to establish a harbor to give shelter to Spanish ships.

In 1853, Palm Springs was mapped by government survey and the first wagon route through the San Gorgonio Pass was created. The next year, the Cahuilla culture was devastated by a smallpox epidemic that killed thousands. In 1877, the U.S. Government gave South Pacific Railroad title to the odd-numbered parcels of land for 10 miles on either side of the tracks running through the desert around Palm Springs as an incentive to complete a railroad to the Pacific. The evennumbered parcels were given to the Agua Caliente, with federal law restricting them n from leasing or selling land io t un” loca S e th in n u to gain income. In 1884, This “F m o fr ts n e v Judge Guthrie McCallum e f thora o boasts a ple and his family traveled to indoor arts to s ie it Palm Springs in hope of iv t c outdoor a t. n seeking health for his son, entertainme stricken with tuberculosis. and cultural He purchased land from Southern Pacific and built an aqueduct to bring water to the valley. He became the first permanent non-Indian settler to the region. Dr. Welwood Murray built the first hotel which he called the Palm Springs Hotel. In 1891, Congress passed the Mission Indian Relief Act which authorized the Secretary of the Interior to create individual allotments from reservation lands. Fifty years later, the Indians took their case to the U.S. Supreme Court to win legal rights to have the allotments approved. President Eisenhower signed the Equalization Act in 1959, allowing tribes to realize profits from their lands and develop the 99-year lease.

Throughout time, Palm Springs grew rapidly. In 1909, Nellie Coffman opened the Desert Inn and the town opened its with friends. This “Fun in the Sun” location boasts a plethora first school and auto garage. The town became incorporated of events from outdoor activities to indoor arts and cultural in 1938, and during WWII the desert was used as a training entertainment. Rich in history, the city is the ancestral home ground for General George S. Patton’s troops. An airfield was of the Agua Caliente Band of Cahuilla Indians. Adapting to the built for military personnel and cargo planes, which later bedesert atmosphere more than 2,000 years ago, they lived off came Palm Springs Regional Airport. the land as peaceful hunters and gatherers. Tribal life centered The beautiful environment on the abundant water in the attracted Hollywood stars area, as well as lush land veglike Bob Hope, Frank Sinatra, etation. The Cahuilla’s began Marlene Dietrich and Loretta to encounter non-Indians in Young. In addition to attract1774, when Novo-Spanish exing Hollywood elite, Europlorer Juan Bautista de Anza pean and business tycoons traveled to the area with a flocked to the area to enjoy group of colonists. The Spanendless days of sunshine. Toish were interested in reinday, stars are still attracted to continued on pg. 42

www.amac.us | 41

Soak up the Sun in Palm Springs, California continued from pg. 41

the area, as Palm Springs is a few hours away from Hollywood.

Home of the Palm Springs International Film Festival, the town is filled with culture. Residents and tourists count themselves blessed to experience Palm Springs. The lovely village atmosphere and mid-century modern architecture have been deeply preserved.

The world famous Palm Springs Aerial Tramway offers breathtaking views of the area, soaring to the top of Mount San Jacinto. Constructed on the sheer cliffs of Chino Canyon on the north edge of Palm Springs, the Tramway was the dream of electrical engineer Francis F. Cocker. Overcoming political roadblocks and with the outbreak of World War II, there were many hurdles to leap. By 1950, technicians moved ahead on its challenging construction. Funds were raised by the sale of $8.5 million in private revenue bonds. Construction was completed in 1963, with the aid of desert pioneer and co-manager of the famous Palm Springs Desert Inn, O. Earl Coffman. Considered an historical civil engineering landmark, millions of visitors enjoy views of the majestic mountains overlooking the Coachella Valley.

Attracting golf enthusiasts nationwide, Palm Springs is an ideal place for the sport due to consistent good weather. The Tahquitz Creek Golf Resort, located in the Coachella Valley minutes from the airport and close to downtown, offers two challenging Ted Robinson designed championship courses.

Gaining high acclaim as one of the best places to play golf, the courses offer beautiful mountain views with scenic waterscapes and friendly yet challenging greens. Amenities include a large driving range, two large putting greens and available

42 | www.amac.us

golf instruction. Enjoy dining there, too, beneath an evening sunset.

There are many inexpensive activities to do while visiting Palm Springs, such as hiking the ancient palm groves of Indian Canyons and touring celebrity and mid-century modern homes. Guided tours of Sunnylands, the former winter residence of Walter and Leonore Annenberg, are available.

The historic estate features mid-century modern design and lovely cactus, palo verde trees, rose gardens and more. The view is described as paintings come to life, with plants framed by the majestic vista of the mountains. In the evening, enjoy strolling the year-round Villagefest, which is an old fashioned street fair on Thursday nights with musicians, crafts and food.

The fair is frequented by locals as well as tourists who enjoy a variety of arts and crafts, street and restaurant food, and performers such as magicians. There is also a farmers market offering fresh and sustainable produce grown in the valley. The Palm Springs Art Museum offers free admission on Thursday nights. Founded in 1938, this regional art, natural science and performing arts museum is most enjoyable and features contemporary and western American art. The Palm Springs Air Museum is an interesting educational center dedicated to flying. The Living Desert features animal and plant exhibits and is engaged in the preservation and conservation of the desert and all its varied plant and animal life. It has been in operation since March of 1970.

Palm Springs is a lush palm oasis surrounded in majestic beauty and offers sunshine almost every day of the year. If you’re searching for a positive mood enhancing vacation with sun and a bounty of activities, Palm Springs is the perfect getaway. ★

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★Kathie’s Kitchen

Have a Ball M

eatballs are crowd pleasers - much loved by kids and adults alike. They are economical, satisfying, versatile, simple to prepare and just plain fun to eat. Meatballs can be eaten by themselves, on a toothpick, in a sandwich or on top of spaghetti all covered with cheese. These compact, seasoned spheres of meat can be made from beef, lamb, pork, poultry or veal, can be combined with a variety of ingredients and cooked in a number of ways. Although unassuming, the humble meatball can seamlessly cross cultures, delivering a powerful punch of flavor every time.

› ›

Choose ground meat which contains some fat. This will produce a juicier, tastier meatball. Leaner meats have a tendency to dry out while cooking.

For a firmer meatball, use bread crumbs as a filler. For a softer meatball, use crustless bread soaked in milk or water.

46 | www.amac.us

›

Vegetables such as onions and carrots should be finely chopped, cooked and cooled before adding them to the raw chopped meat.

›

When adding fresh herbs, such as parsley or oregano, make sure that all stems are removed. Stems can cause a meatball to break apart while cooking.

›

Mix all of the other recipe ingredients together before combining with the ground meat.

›

The tenderest meatballs rely on a tender touch. Mix ingredients gently, as over working can result in a tough, dense texture.

›

If possible, chill the meat mixture for at least 15 minutes and up to1 hour before rolling. The meatballs will be easier to form.

Sweet & Sour Meatballs ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑

3 eggs 1 medium onion – finely chopped 1 ½ cups bread crumbs 1 tsp. salt 2 lbs. ground beef 2 Tbs. vegetable oil 3 ½ cups tomato juice 1 cup packed brown sugar 10 gingersnaps – finely crushed ¼ cup white vinegar 1 tsp. onion salt

In a bowl, combine the eggs, onion, bread crumbs and salt. Crumble beef over mixture; mix well. Shape into 1 ½ inch balls. In a large skillet, brown meatballs in batches in oil. Transfer to a greased 9 x 13 inch baking dish.

In a saucepan, combine the tomato juice, brown sugar, gingersnap crumbs, vinegar and onion salt. Bring to a boil over medium heat, stirring until cookie crumbs are dissolved.

Pour over meatballs. Bake uncovered in a 350 degree oven for 40 – 45 minutes or until meatballs are cooked through.

Serves 8.

Meatball Casserole * ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑

1/3

cup onion, chopped ¼ cup Italian seasoned bread crumbs 3 Tbs. grated Parmesan Cheese 1 lb. lean ground beef 1 lb. loaf Italian bread – cut into 1-inch thick slices 1 pkg. (8 oz.) cream cheese, softened ½ cup mayonnaise 1 tsp. Italian seasoning ¼ tsp. pepper 2 cups shredded mozzarella cheese, divided 1 jar (24 oz.) spaghetti sauce 1 cup water 2 cloves garlic, minced

Combine onion, bread crumbs and Parmesan in a large bowl; mix in ground beef. Shape mixture into 1-inch meatballs. Place on an ungreased jelly-roll pan lined with foil and bake at 400 degrees for 15 to 20 minutes. Arrange bread slices in a single layer in a greased 13 x 9 inch baking dish; set aside. Combine cream cheese, mayonnaise, Italian seasoning and pepper; spread over bread. Sprinkle with ½ cup of mozzarella cheese. Combine sauce, water, garlic and meatballs; spread over cheese mixture. Sprinkle with remaining mozzarella; bake at 350 degrees for 30 minutes.

Serves 6 to 8. *This recipe was taken from AMAC’s “America’s Heritage Cookbook” which contains a collection of delicious and beloved American recipes. If you are interested in purchasing this cookbook, visit www. amac.us for additional information.

›

A 1 ½ inch meatball, about the size of a golf ball, is ideal.

Much larger meatballs tend to fall apart, and can cook unevenly – overcooked on the outside, undercooked on the inside.

›

To create meatballs of equal size, try rolling the meat mixture into a long log about 1 ½ inches in diameter. Cut into 1 ½ inch lengths. Shape each piece into uniformly sized balls.

›

Or, lightly pat the meat mixture into a 1 inch thick rectangle.

Cut into equal sized squares. Gently roll each square into a meatball.

›

Or, use an appropriately sized melon baller, cookie dough or ice cream scoop as a measure to create meatballs of equal size and shape.

›

Moisten hands with cool water, milk or olive oil to prevent the mixture from sticking, while keeping the outside texture of the meatball nice and smooth.

›

Use a meat thermometer to ensure that meatballs are cooked thoroughly.

›

Cooked meatballs freeze well. After cooling completely, freeze in a single layer on a baking sheet. Once frozen, place into containers or zip lock bags until needed.

›

When short on time, feel free to substitute thawed, precooked frozen meatballs in recipes calling for freshly made.

Swedish Meatballs ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑

1 egg – lightly beaten ½ cup milk 1 cup soft bread crumbs ½ cup finely chopped onion 2 tsp. salt - divided ¼ tsp. nutmeg ¼ tsp. pepper 1 lb. ground beef ½ lb. ground pork ¼ cup butter 2 Tbs. flour 1 cup heavy cream 1 cup beef broth ½ tsp. dill seed

In a large bowl, combine the egg, milk, bread crumbs, onion, 1 tsp. salt, nutmeg and pepper. Crumble beef and pork over mixture; mix well. Shape into 1 ½ inch balls. In a large skillet, cook meatballs in butter in batches until no longer pink. Remove from skillet and keep warm.

In a bowl, combine the flour, heavy cream, beef broth, dill seed and 1 tsp. salt. Add to empty skillet. Bring to a boil.

Cook, stirring, for 2 minutes or until thickened. Pour over meatballs. Serves 6.

www.amac.us | 47

★ Obamacare Watchdog Health Care Reform Tax to Hit Consumers, Employers in All 50 States The new health insurance tax included in the Affordable Care Act (ACA) will increase the cost of health care coverage for consumers and employers in every state, according to a new state-by-state analysis conducted by Oliver Wyman for America’s Health Insurance Plans (AHIP).

The ACA imposes a new sales tax on health insurance that starts at $8 billion in 2014, increases to $14.3 billion in 2018, and will continue to increase each year. The Joint Committee on Taxation estimates that the health insurance tax will exceed $100 billion over the next ten years.

The health insurance tax will increase costs for individuals and families purchasing coverage on their own, small businesses, Medicare Advantage beneficiaries, and Medicaid managed care programs. AMAC, the Association of Mature American Citizens, strongly supports legislation (H.R. 1370, S.1880) that would repeal the tax.

The charts below list the top five states with the highest per-person cost impact in each market segment. Families purchasing coverage in the individual market will be hit the hardest in New York while those getting coverage from a small employer will be most impacted in West Virginia. Medicare Advantage beneficiaries in New Jersey and the Medicaid

Medicare Advantage

Individual Market Top Five States with Highest Average Aggregate Impact of Health Insurance Tax on Family Coverage Purchased in the Individual Market (2014-2023)

Ten-Year Impact

# State

(per family)

1 New York

$9,942

2 Massachusetts

$9,937

3 Rhode Island

$8,308

4 Connecticut

$6,339

5 New Hampshire

$5,736

Small Employers Top Five States with Highest Average Aggregate Impact of Health Insurance Tax on Family Coverage Offered Through Small Employers (2014-2023)

Ten-Year Impact

Top Five States with Highest Average Aggregate Impact of Health Insurance Tax on Medicare Advantage Beneficiaries (2014-2023)

Ten-Year Impact

# State

(per family)

1 2 3 4 5

$4,182 $4,181 $4,111 $4,074 $4,033

New Jersey Florida Louisiana New York Texas

Top Ten States with Highest Average Aggregate Impact of Health Insurance Tax (2014-2023) # State

Ten-Year Impact

1 California

$22.28-22.41 billion

2 New York

$13.16-13.34 billion

3 Pennsylvania

$8.97-9.05 billion

# State

(per family)

4 Florida

$8.48-8.57 billion

1 West Virginia

$9,221

5 Texas

$7.74-7.79 billion

2 New York

$9,046

6 Illinois

$4.17-4.25 billion

3 New Hampshire

$8,555

7 New Jersey

$5.02 billion

4 Nebraska

$7,995

8 Ohio

$4.99-5.03 billion

5 Massachusetts

$7,895

9 Georgia

$3.96-4.01 billion

10 Massachusetts

$3.85-3.89 billion

managed care program in Washington, DC top those lists.

For health care reform to work coverage needs to be affordable and there needs to be broad participation in the health care system. The health insurance tax undermines the goal of affordability.

To learn more, visit www.ahip.org/affordability.

Side Effects: Seniors Will Lose Big Under Obamacare From the Heritage Foundation

Passage of Obamacare will have negative consequences for practically all Americans. However, it is the nation’s senior citizens who will get the short end of the stick due to the enactment of the President’s health care agenda. Heritage health policy expert Robert Moffit, Ph.D., lays out the specific provisions of Obamacare that will hurt seniors: ■ Less Choice. Obamacare puts 15 unelected bureaucrats in charge of meeting a budget target in Medicare with its newly created Independent Payment Advisory Board (IPAB). IPAB may be statutorily prohibited from directly rationing care, but that doesn’t mean it can’t ration indirectly by reducing provider payments for certain medical procedures, which can compromise physician autonomy in the delivery of care.

In fact, the only way IPAB can control costs is by reducing provider payments. But cutting payments effectively rations care by limiting Medicare beneficiaries’ access to providers.

■ Reduced Access to Care. With the retirement of 77 million baby boomers beginning in 2011, the Medicare program will have to absorb an unprecedented demand for medical services. For the next generation of senior citizens, finding a doctor will be more difficult and waiting times for doctor appointments are likely to be longer. The American Association of Medical Colleges projects a shortage of 124,000

48 | www.amac.us

doctors by 2025. Obamacare does nothing to reverse this worrisome trend, instead making it worse.

■ Fewer options. Obamacare delivers a strong blow to Medicare Advantage (MA), which allows seniors to receive Medicare benefits from a private health plan of their choosing. MA is popular among seniors—about 25 percent of beneficiaries are in the program—and in 2012, premiums fell by 7 percent and enrollment increased by 10 percent.

But Obamacare cuts the program by $145 billion, which, according to the Medicare Actuary, will decrease enrollment by 50 percent by 2017. Furthermore, Heritage research shows that after Obamacare is fully implemented, MA beneficiaries will lose an average of $3,714 worth of benefits per year by 2017.

■ Medicare Payment Cuts. Obamacare’s irresponsible cuts to provider payments will cause 15% of Medicare Part A providers to become unprofitable within the next 10 years, according to the Medicare Actuary. As Medicare providers begin to operate at a loss, they will be unable to stay afloat, leaving seniors with less access to care.

Moffit’s research outlines how Obamacare fails to address the pressing need for systemic reform of the Medicare program while also hindering the entitlement’s ability to adequately meet the needs of those it serves.

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Center. If you fall and can’t press the state-of-the-art response center, if it button for any reason, AutoAlert with detects your fall. Then if you need help Call now and receive advanced fall detection technology can or can’t respond, expert emergency Free equipment, Free activation, automatically call for you, even if response operators quickly call Free shipping and a Free gift – you can’t. Lifeline Response Center friends, family or local ambulance, Associates are trained to assess the police or firefighters to summon valued at $35. situation and will summon help quickly. help… quickly and reliably.

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★ Government Watch

By Fido - your government watchdog

Putting the Fiscal Cliff in Perspective

Homeland Security Promotes Welfare to New Immigrants

LESSON # 1: U.S. Tax revenue:

$2,170,000,000,000

Federal budget:

$3,820,000,000,000

New debt:

$ 1,650,000,000,000

National debt:

$14,271,000,000,000

Recent budget cuts:

$38,500,000,000

Let’s now remove 8 zeros and pretend it’s a household budget: Annual family income:

$21,700

Money the family spent:

$38,200

New debt on the credit card:

$16,500

Outstanding balance on the credit card: Total budget cuts so far:

$142,710 $385

The numbers are not exact, but they give you a pretty good idea of how bad things are now, and they will only get worse unless our government wakes up and stops bankrupting our country.

Woman Sentenced to 30 Months in Prison for Theft of Social Security Benefits Judy L. Dinsmore, 58, of Rogersville, TN, was sentenced on November 19, 2012 by the Honorable J. Ronnie Greer, U.S. District Judge, to serve 30 months in prison. Dinsmore pleaded guilty in May 2012 to a federal indictment charging her with theft of Social Security benefits.

Dinsmore admitted that she arranged to have Social Security Administration deliver 347 monthly Supplemental Security Income (SSI) benefits for a deceased relative to her home, for 29 years after the relative died in 1982. She accepted the checks, forged the endorsement of the deceased relative on each one, and cashed the checks at a business in Greeneville, TN, representing she was the named payee.

In 2004, Dinsmore was sentenced to serve five months in federal prison after entering a guilty plea to a similar scheme for a different deceased relative. The total loss caused by Dinsmore to the Social Security Administration is estimated to be approximately $250,000.

Further information can be found at www.oig.ssa.gov.

Editor’s Note: AMAC wants to know why it took 30 years to catch her!

50 | www.amac.us

A fundamental principle of American immigration policy has long maintained that individuals and families trying to immigrate into the U.S. must first prove they are financially stable enough to do so, in order to prevent them from becoming a burden on the social welfare system. But today, the U.S. Department of Homeland Security (DHS) is openly defying this policy by encouraging new immigrants to exploit the system for all it is worth, even though they are not legally eligible for government assistance in most cases.

The official “Government Benefits” page posted at the DHS - run WelcometoUSA.gov explains that new immigrants should try to apply for federal benefit programs because they may be eligible depending on their immigration status, length of stay in the U.S., and income level. What it does not explain, however, is that many new immigrants are not even legally eligible for such assistance, despite information plastered across the site that makes it seem as though government handouts are ready and waiting for new immigrants the minute they arrive on U.S. soil.

Though the U.S. Citizenship and Immigration Services (USCIS) claims the DHS-operated website is merely meant to provide greater access to information about government benefits, some lawmakers are concerned that the page facilitates new immigrants signing up for government programs they are not even eligible to receive. And because there are no checks and balances in place to properly sort out who is truly eligible, many foreigners are now receiving all sorts of government services illegally.

“One of the important points about the legal problems with the DHS site and materials is not only the issue of immigrant eligibility, but the fact that U.S. immigration officials are obviously granting visas to those they believe will and should be receiving government assistance,” wrote a Republican Budget Committee staffer about the issue. “Immigration law is supposed to operate so that individuals at risk for being placed on public assistance are not admitted in the first place.”

Manufacturer’s Recall Just Announced

Are you suffering after being implanted with a

STRYKER REJUVENATE

®

Modular Hip Implant?

Have you experienced failure of your Stryker Rejuvenate hip implant, resulting in pain and other complications that may have required revision surgery? If so, please know that we are investigating these injuries for possible legal action.

On July 4, 2012, Stryker Orthopaedics announced a voluntary USA Recall of certain models of its Rejuvenate and ABG II hip implants, due to concern over revisions potentially associated with fretting and/or corrosion at or about the modular neck junction of the devices. These occurrences, according to Stryker, “may result in adverse local tissue reactions manifesting with pain and/or swelling.”

In April, a Canadian Medical Device Recall Listing was issued noting revised Rejuvenate usage instructions, warning that these components may also lead to improperly releasing potentially dangerous amounts of metal debris or metal ions into the patients’ bodies and may result in Adverse Local Tissue Reaction including metallosis and necrosis.

Weitz & Luxenberg can help you understand your legal options. We are one of the largest trial law and products liability law firms representing thousands of injured clients with results-oriented professionalism and sensitivity. For a free consultation please call us today at 1-888-411-LAWS (5297) or visit us on the web at www.HipDeviceRecall.com

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1.888.411.LAWS | www.weitzlux.com ATTORNEY ADVERTISING. Prior results do not guarantee a future outcome. We may associate with local firms in states wherein we do not maintain an office. If no recovery, no fees or costs are charged, unless prohibited by State Law or Rule. Not licensed to practice law in Louisiana. Gary Klein, Esq. (Lawrence Goldhirsch, Esq., member of FL Bar)

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All my friends have new cell phones. They carry them around with them all day, like mini computers, with little tiny keyboards and hundreds of programs which are supposed to make their life easier. Trouble is… my friends can’t use them.

The keypads are too small, the displays are hard to see and the phones are so complicated that my friends end up borrowing my Jitterbug when they need to make a call. I don’t mind… I just got a new phone too… the new Jitterbug Plus. Now I have all the things I loved about my Jitterbug phone along with some great new features that make it even better!

GreatCall® created the Jitterbug with one thing in mind – to offer people a cell phone that’s easy to see and hear, simple to use and affordable. Now, they’ve made the cell phone experience even better with the Jitterbug Plus. It features a lightweight, comfortable design with a backlit keypad and big, legible numbers. There is even a dial tone so you know the phone is ready to use. You can also increase the volume with one touch and the speaker’s been improved so you get great audio quality and can hear every word.

The battery has been improved too– it’s one of the longest lasting on the market– so you won’t have to charge it as often. The phone comes to you with your account already set up and is easy to activate.

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The U.S.-based customer service is knowledgeable and helpful and the phone gets service virtually anywhere in the continental U.S. Above all, you’ll get one-touch access to a friendly, and helpful GreatCall operator. They can look up numbers, and even dial them for you! They are always there to help you when you need them.

Call now and get a FREE Car Available in The rate plans are simple too. Why pay for Charger – a $24.99 value. Try the Silver and Red. minutes you’ll never use? There are a variety of Jitterbug Plus for yourself for 30 days and if affordable plans. Plus, you don’t have to worry about finding yourself you don’t love it, just return it for a refund1 of the product purchase price. stuck with no minutes– that’s the problem with prepaid phones. Since Call now – helpful Jitterbug experts are ready to answer your questions.

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IMPORTANT CONSUMER INFORMATION: DoubleTime offer valid on Basic 19 Plan and applies to new GreatCall customers only. Offer ends 3/31/13. Offer valid until plan is changed or cancelled. All GreatCall phones require a one-time set up fee of $35. Coverage and service are not available everywhere. You will not be able to make 9-1-1 calls when cellular service is not available. Rate plans do not include government taxes or assessment surcharges and are subject to change. No roaming or long distance charges for domestic calls within the U.S. There are no additional fees to call GreatCall’s 24-hour U.S. Based Customer Service. However, for calls to an Operator in which a service is completed, minutes will be deducted from your monthly balance equal to the length of the call and any call connected by the Operator, plus an additional 5 minutes. 1 We will refund the full price of the GreatCall phone if it is returned within 30 days of purchase in like-new condition. We will also refund your first monthly service charge if you have less than 30 minutes of usage. If you have more than 30 minutes of usage, a per minute charge of 35 cents will apply for each minute over 30 minutes. The activation fee and shipping charges are not refundable. Jitterbug and GreatCall are registered trademarks of GreatCall, Inc. Samsung is a registered trademark of Samsung Electronics Co., Ltd. Copyright ©2013 Samsung Telecommunications America, LLC. Copyright ©2013 GreatCall, Inc. Copyright ©2013 by firstSTREET for Boomers and Beyond, Inc. All rights reserved.

America is AMAC is

RISING

Spread the word and help us grow!

AMAC is now THE Leading Conservative Senior Organization in America AMAC represents the Real America and stands for traditional values, fiscal responsibility and true financial security for those who have earned it.

★ AMAC fights for the values Americans hold dear ★ AMAC is the conservative alternative to AARP

We are totally committed to protecting the rights and needs of the 50+ population. We are a hands on organization designed to be the voice for seniors.

★ AMAC stands for the values on which our country is founded

• Protecting your healthcare from government control and destruction • Protecting you from reckless, runaway, government spending • Getting and keeping government out of your personal life • And maintaining the integrity of our greatest government document, the Constitution

★ AMAC is working to reaffirm America as a country of the people, by

the people and for the people • We are striving to see that America remains one nation under God • A nation free to pray for the safety of its athletes before they go out onto the field • A nation free to display the 10 commandments in its highest courts • A nation our loved ones fought and died for to keep free. If you are one of those heroes who fought to protect the sanctity of America and all she stands for, we humbly thank you from the bottom of our hearts

www.amac.us

Join the AMAC Army.

CHOOSE ONE OPTION: 1 Year/$16.00 3 Year/$42.00  5 Year/$59.95 (limited time offer)

Together we can make a difference.

Tell the AARP, “No More!”

Name

Date of Birth

Yes, I want to become an AMAC Member!

Spouse’s Name

Date of Birth

Address

As an AMAC Member you will automatically receive our quarterly magazine, The Amac Advantage.

City Phone (

State )

Zip Code Email

MAIL TO: AMAC, 5 ORVILLE DRIVE, SUITE 400, BOHEMIA, NEW YORK 11716 WITH YOUR CHECK OR MONEY ORDER PAYABLE TO “THE ASSOCIATION OF MATURE AMERICAN CITIZENS” CALL 1-888-262-2006 OR SIGN UP ONLINE AT: WWW.AMAC.US

Just for Fun Crossword ACROSS 1.

6.

10.

14.

15.

16.

17.

18.

19.

20.

22.

23.

24.

26.

30.

31.

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50.

Handouts Mats of grass Historical periods Betel palm Gait faster than a walk Fluff Fish broth Skin disease Jittery To a complete degree Mobile phone District Main course Jar tops Mistake Paddle Assist in crime Cypher Slightly wet Pulsating vocal tone Lithesome Banana oil, e.g.

Flexible mineral Greek letter Louse-to-be Indian bread Applaud

51.

54.

56.

57.

63.

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An airplane “garage” Smelting waste Modify Possible Strip of wood Jacket Extraterrestrial Curved molding Sea eagle Rise Small slender gull Collections Legions

DOWN 1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

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13.

Early 20th-century art movement By mouth In order to prevent Reflected sound Type of antelope A guest cabin Plantation Accomplished Record player Powered by electricity Equestrian Slant Pizazz

Sudoku How to Play:

21.

25.

26.

27.

28.

29.

34.

36.

37.

38.

40.

42.

Construct What a person is called Wash Nile bird Money owed Fortify Intensifies False god Bristle Snare Diva’s solo Hawaiian veranda

45.

48.

51.

52.

53.

55.

58.

59.

60.

61.

62.

A very short time Vestiges Serf Maxim Fertilizer ingredient Grind together Ripped Countertenor Partiality Gave temporarily Terminates

Solutions on pg. 25

Joke of the Month



• Fill in the empty fields with the numbers from 1 through 9

The Preacher commenced a prayer with the words “Oh God, without you we are but dust.” As he paused for a dramatic effect a small child’s voice was heard to say, “ Grandma, what is butt dust?”

• Every row must contain the numbers from 1 through 9

Submitted by AMAC member Wayne F Miller, Lone Jack Mo.

• Every column must contain the numbers from 1 through 9 • Every 3x3 square must contain the numbers from 1 through 9

54 | www.amac.us

Heard any good ones lately? Send them in!

Please submit your joke by emailing info@amac.us or mailing to Joke of the Month, c/o AMAC 5 Orville Drive, Suite 400, Bohemia, NY 11716.

Your joke may be featured in our next magazine!

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Member Benefits Directory Use your Membership Card and save!!

Health, Insurance & Financial www.amac.us AMAC Medicare/Healthcare Insurance: 1-800-334-9330

Hotels/Motels Please Note Special Discount Codes Red Roof Inn: 1-800-RedRoof

Medicare Supplemental coverage for those enrolled in Medicare A&B. Turning 65? Call AMAC Senior Resources Network to find out your options.

Medicare Advantage Plans, Prescription Drug Coverage also available.

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AMAC Health Insurance Plans 50-64: 888-623-9595

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

AMAC Long Term Care: 1-855-601-8361

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

AMAC Life Insurance: 888-550-2622 Help protect your family with affordable coverage.

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

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National Discounts Roadside Assistance AMAC Roadside Assistance 1-855-875-8598 Prescription Discount Card Save on prescription drug prices at over 59,000 pharmacies nationwide.

www.amac.us/rxcard Dental Discounts Key Dental Discount Plans 888-609-8585 Hearing Care Beltone Hearing: 1-866-735-8333 Online Shopping AMAC Shopping Rewards Program: www.amac.us

Shop online at over 1,000 brand name stores and receive up to 30% cash back.

First Fidelity Reserve: 800.336.1630

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

Mature Driver Course Mature Driver Course: www.amac.us

Hertz: 1-800-CarGold

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.

Avis: 1-800-230-4898

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

Discount Code: #1860452 - PIN: bapgold Discount Code: #g833700

To become an AMAC member and enjoy our member benefits, join online at www.amac.us or call 1-888-262-2006.

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

Advertisers in this Issue 5 Star Urgent Response Great Call AMAC Medicare AMAC Roadside Americas Heritage Cookbook Ampli Ear Beltone Encore First Fidelity Reserve Go Little Guy Trailers Good Sense News Harbor Freight Tools HDIS Hearing Help Express BATTERIES Hearing Help Express AMPLIFIER Historic Hendersonville, NC ING - Term Life Insurance iReverse Home Loans Jacuzzi Tub James Direct/ The Magic of Hydrogen Peroxide Jitterbug Cellular Phone Join Now Key Dental Plan Lifeline with Auto Alert Lifestyle Lift Member Benefits Mobile Help Paula Young Wigs Paul Fredrick PerfectChoice HD Pringle Homes Pro-life Scalerid St. Lawrence Cruises Stauer Ring The Teaching Company Travelers Auto & Home Insurance Travelers Auto Insurance TV EARS Wedge Radio Weitz & Luxemburg WOW Computer YMT Vacations

★Parting Thought

7 26 12 43 15 11 55 OBC, 55 55 25 58 38 33 27 55

“Character is like a tree and reputation like its shadow. The shadow is what we think of it; the tree is the real thing.”

Abraham Lincoln

13 23 17 44 52 53 25 49 3 56 13 29 23 35 23, 55 39 45 55 10 9 IBC IFC 21 19 51 37 6

www.amac.us | 57

HARBOR FREIGHT TOOLS Quality Tools at Ridiculously Low Prices FACTORY DIRECT TO YOU! How does Harbor Freight Tools sell high quality tools at such ridiculously low prices? We buy direct from the factories who also supply the major brands and sell direct to you. It's just that simple! See for yourself at one of our 400 Stores Nationwide and use this 25% Off Coupon on one of our 7,000 products*, plus pick up a Free 6 Piece Screwdriver Set, a $4.99 value. We stock Shop Equipment, Hand Tools, Tarps, Compressors, Air & Power Tools, Woodworking Tools, Welders, Tool Boxes, Generators, and much more.

• • • • •

FREE!

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ITEM 47770 REG. PRICE $4.99

LOT NO. 877/69121/69137/ 69249/69129

SAVE 60%

2

$ 79 REG. PRICE $6.99

MULTI-USE TRANSFER PUMP

SAVE 61% $ 99

SAVE 46%

1000 LB. CAPACITY

LOT NO. 93888/ 60497

7

$ 99

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800 RATED WATTS/ PE N WEIGHS 3-1/2 PUMPS LIFTS 900 MAX. WATTS SU UPO 27 LBS. MOST VEHICLES! O PORTABLE C NEW! GENERATOR RAPID PUMP® 1.5 TON ALUMINUM LOT NO. 66619/ 60338/69381 RACING JACK

LOT NO. 96289

7

$ 99

REG. PRICE $14.99

REG. PRICE $19.99

LIMIT 5 - Good at our stores or website or by phone. 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. Nontransferable. Original coupon must be presented. Valid through 7/1/13. Limit one coupon per customer per day.

R !

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1-1/4" CAPACITY 15 AMP CHIPPER SHREDDER

SAVE $50

$

Item 66910 shown

LOT NO. 66910/69293 REG. PRICE $179.99

12999

LIMIT 5 - Good at our stores or website or by phone. 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. Nontransferable. Original coupon must be presented. Valid through 7/1/13. Limit one coupon per customer per day.

Item 97080 shown

LOT NO. 97080/ 69269

SAVE 50%

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3999

REG. PRICE $79.99

LIMIT 4 - Good at our stores or website or by phone. 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. Nontransferable. Original coupon must be presented. Valid through 7/1/13. Limit one coupon per customer per day.

89

Item 67227 shown

LOT NO. 67227/ 69567/60566 Requires three AAA batteries (included).

2

$ 59

REG. PRICE $5.99

LIMIT 8 - Good at our stores or website or by phone. 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. Nontransferable. Original coupon must be presented. Valid through 7/1/13. Limit one coupon per customer per day.

LOT NO. 68053/ 69252/ 60569

Item 68053 shown

LIMIT 5 - Good at our stores or website or by phone. 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. Nontransferable. Original coupon must be presented. Valid through 7/1/13. Limit one coupon per customer per day.

SAVE 33%

PNEUMATIC ADJUSTABLE ROLLER SEAT

$

1299

LIMIT 4 - Good at our stores or website or by phone. 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. Nontransferable. Original coupon must be presented. Valid through 7/1/13. Limit one coupon per customer per day.

LOT NO. 68424/ 2623

$

6999

REG. PRICE $119.99

LIMIT 5 - Good at our stores or website or by phone. 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. Nontransferable. Original coupon must be presented. Valid through 7/1/13. Limit one coupon per customer per day.

1999

REG. PRICE $29.99

130 PIECE TOOL KIT WITH CASE LOT NO.

/ SAVE 68998 69331/ 91507 48% REG. $ 99 $49PRICE .99

Item 68998 shown

25

LIMIT 3 - Good at our stores or website or by phone. 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. Nontransferable. Original coupon must be presented. Valid through 7/1/13. Limit one coupon per customer per day.

1/2" INDUSTRIAL QUALITY ER N! SUPER HIGH TORQUE SUPUPO IMPACT WRENCH CO 700 FT. LBS. MAX. TORQUE

LOT NO. 46319/61160

LIMIT 6 - Good at our stores or website or by phone. 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. Nontransferable. Original coupon must be presented. Valid through 7/1/13. Limit one coupon per customer per day.

C

REG. PRICE $24.99

Item 68424 shown

$

LOT NO. 30329/69854

Item 30329 shown

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300 LB. CAPACITY

Item 46319 shown

4000 LB. CAPACITY ER N! CABLE WINCH PULLER SUPUPO O

SAVE 48%

For dead loads only; not for lifting.

SAVE $50

REG. PRICE $119.99

C

SAVE 56%

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5999

REG. PRICE $179.99

GRAND OPENINGS hft_amacadvantage_vol7_issue1_M-REG21024.indd 1

99 $

SAVE $60

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27 LED PORTABLE PE N WORKLIGHT/FLASHLIGHT SU UPO O

O 3 GALLON, SUOUP C 100 PSI OILLESS HOT DOG STYLE AIR COMPRESSOR

$

$

SAVE $90

1500 WATT DUAL TEMPERATURE HEAT GUN (572°/1112°)

SAVE 60%

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™

Item 69381 shown

LIMIT 3 - Good at our stores or website or by phone. 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. Nontransferable. Original coupon must be presented. Valid through 7/1/13. Limit one coupon per customer per day.

LIMIT 7 - Good at our stores or website or by phone. 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. Nontransferable. Original coupon must be presented. Valid through 7/1/13. Limit one coupon per customer per day.

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REG. PRICE $12.99

LIMIT 1 - Save 25% on any one item purchased at our stores or website or by phone. *Cannot be used with other discount, coupon, gift cards, Inside Track Club membership, extended service plans or on any of the following: compressors, generators, tool storage or carts, welders, floor jacks, Towable Ride-On Trencher (Item 65162), open box items, in-store event or parking lot sale items. Not valid on prior purchases after 30 days from original purchase date with original receipt. Non-transferrable. Original coupon must be presented. Valid through 7/1/13. Limit one coupon per customer per day.

LIMIT 8 - Good at our stores or website or by phone. 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. Nontransferable. Original coupon must be presented. Valid through 7/1/13. Limit one coupon per customer per day.

MOVER'S DOLLY

Item 93888 shown

ANY SINGLE ITEM!

LOT NO. 66418

4

LIMIT 9 - Good at our stores or website or by phone. 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. Nontransferable. Original coupon must be presented. Valid through 7/1/13. Limit one coupon per customer per day.

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OFF!

LIMIT 1 - Cannot be used with other discount, coupon or prior purchase.

Coupon good at our stores or website or by phone. 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 7/1/13. Limit one coupon per customer per day.

7 FT. 4" x 9 FT. 6" ALL PURPOSE WEATHER RESISTANT TARP

Item 877 shown

25%

6 PIECE SCREWDRIVER SET

Nobody Beats Our Quality, Service and Price!

ON ALL HAND TOOLS!

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WITH ANY PURCHASE

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Over 20 Million Satisfied Customers!

1 Year Competitor's Low Price Guarantee No Hassle Return Policy!

100% Satisfaction Guaranteed!

Over 400 Stores Nationwide

LIFETIME WARRANTY

SAVE $150

30", 11 DRAWER ROLLER CABINET

LOT NO. 67421

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

$

14999

REG. PRICE $299.99

LIMIT 3 - Good at our stores or website or by phone. 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. Nontransferable. Original coupon must be presented. Valid through 7/1/13. Limit one coupon per customer per day.

Covina, CA New Haven, CT Chicago, IL Bronx, NY Sacramento, CA Kenneth City, FL Albuquerque, NM Houston, TX 1/18/13 2:17:39 PM

See if you can save an average of $478* Are you getting the coverage you need, and the discounts you deserve?

Find out how the Travelers Auto and Home Insurance Program for AMAC members can help you drive a better deal.

Call today for your FREE, no-obligation quote.

1.866.709.9713 Or, visit travelers.com/amac

*Average savings based on new auto policyholder savings reported to Travelers through the Affinity marketing distribution channel in 2011. Individual savings may vary. Savings are not guaranteed.

Savings message is not applicable in MA. Insurance is underwritten by The Travelers Indemnity Company or one of its property casualty affiliates, One Tower Square, Hartford, CT 06183. In FL: Auto insurance policies are underwritten by First Floridian Auto and Home Insurance Company, The Travelers Home and Marine Insurance Company, or by The Travelers Commercial Insurance Company. In MA: Auto policies are underwritten by The Premier Insurance Company of Massachusetts (Premier), a single-state subsidiary of The Travelers Indemnity Company. Premier is not guaranteed by The Travelers Indemnity Company or any other Travelers company. In TX: Auto insurance is offered by Travelers MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers company. Coverages, discounts, special program rates, and billing options are subject to availability and individual eligibility. Not all features available in all areas. Š 2012 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.

PL-15467 Rev. 9-12 Not available in ND, SD, WY, AK, HI, LA • Home coverage not available in FL

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JUST RELEASED - THE LAST COIN in the Royal Canadian Mint Wildlife Series

2013 $5 SILVER WOOD BISON

3

$ 00

Only image not to scale

FREE

Priority Shipping

Check or Money Order

Handling & Insurance to the

first 100 new customers

Over Spot Price

†

($7 Savings)

AMAC Members Only Availability not guaranteed Price subject to change Limit two per household No dealers please

SILVER’S UP 466%*

The brand new 2013 $5 Silver

Each coin contains one full ounce of exceptionally pure .9999 fine silver bullion (Coin Term: four 9’s pure).

The most pure silver coin series we’ve ever offered.

Wood Bison is the sixth & final coin to be offered in this series.

A low maximum mintage of only

Produced by the Royal Canadian

Mint and bears a $5 Canadian legal tender denomination.

The first 5 coins in the series:

1,000,000 coins for worldwide distribution.

Call for availability & pricing!

1-800-336-1630

A+ Rating

Member:

Vault Verification: FAMACSN0113 • Offer Expires: 05/27/13

Since 2002

† Spot Price - the daily quoted market price of precious metals in bullion form. Solely determined at time of transaction by First Fidelity Reserve. *Increase based from Jan.1, 2000 - Jan. 2013 Please read important customer disclosures on our website or that accompany products purchased, including arbitration agreement. Texas residents add 8.25% sales tax to orders under $1000.

GREAT QUANTITY PRICING

Call today for great quantity pricing, availability and payment terms on these and other popular investment-grade gold and silver bullion coins.

View the Award-Winning Mike Fuljenz Metals Market Report at: firstfidelityreserve.com