VOL. 7 ISSUE 3 $2.95
AMAC and Its Members... Keeping America Strong AMAC founder and president Dan Weber
In this Issue: ■
Jededia Bila Stop Complaining and Start Doing
■
An American Profile Meet Governor Paul LePage
■
Understanding Free Enterprise
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A Note from our COO
The Difference One Man Can Make One man or woman truly can make a difference. I hear people use that cliché all the time, but my father and founder of The Association of Mature American Citizens, Dan Weber, has proven it to be true by example.
David
Five years ago I stood beside my father and watched the cynics take a good, hard look. I watched as they shook their heads, saying, “AARP is too big, Dan. AARP has too much influence. AMAC will never see a thousand members, let alone a million! Do you seriously believe you can compete with an organization like that?” My father calmly smiled back, as he so often does, and answered with confidence, “Yes, I do.” He continued sincerely, “People deserve better. They need an organization with the courage to stand up for the values upon which this country was built – values that are under constant attack. People deserve an organization that stands up for its members. Millions of Americans are just as fed up with AARP as I am, and I’m going to do something about that.” Then he turned to me and quietly said, “Dave, when it seems like you’re up against overwhelming odds, just remember David and Goliath.” My father, a man of true faith, sure has a way of putting things into perspective. Fast forward through five long years of lofty goals, purposeful work, and plenty of prayers; of proverbial blood, sweat, and yes, even a few tears. Those five years have been chock-full of hard work by extraordinary people dedicated to fighting the good fight for something they believe in, and countless extra-hour workdays and trips to the local deli to pick up fresh coffee to keep us going. Sprinkle in a few set-backs, a couple of heartbreaks, and maybe even a few sleepless nights and you’ll find that not only is AMAC still here, but AMAC is here to stay – not to prove those cynics wrong, but rather to do good for those who believe in us today and to ensure a brighter future for our children and grandchildren tomorrow. G. Weber Today AMAC is well on its way to enrolling a million members. Congressmen and women are turning to AMAC to find out where you – the very people from whom we take our marching orders –truly stand on the issues. And today, when AARP flexes their political muscle in Washington to promote an agenda that is not yours, AMAC is ever watchful and standing guard. AMAC sure has come a long way in five years, and under this beautiful summer sky, we’d like to pause for a moment to give thanks. We have so much for which to be thankful. First and foremost, we thank God for all of the blessings we have been given. We live in the greatest nation in the history of mankind. We are thankful for our freedom, for those who have made the ultimate sacrifice defending our freedom, and for those who continue to defend our freedom at this very moment. We are thankful for all of the good folks that are part of the AMAC family. Much of their work is done behind-thescenes and goes unnoticed by the public, but we recognize their efforts and accomplishments. These are people that work not just for AMAC, but also for you and for a better America. We are thankful for all of AMAC’s supporters and promoters for helping us get the word out; for the AMAC Ambassadors who volunteer their time to distribute our materials to their friends, families, and various local groups; for our Delegates who volunteer to call on their Congressional district offices and represent AMAC on the local level all across America. We are thankful for our favorite columnist, Jedediah Bila, for believing in us since the beginning. Heck, we’d even like to thank President Obama for bringing AARP into the Presidential debate last year. Though AARP tries to distance themselves from him now, The Wall Street Journal recently published an article containing seventy-one pages of emails between the White House and AARP executives that display just how powerful and far-reaching AARP’s influence in Washington truly is. We’ve been saying this for years. Hopefully, this will shed some light on the truth. Last, but certainly not least, we are thankful for each and every one of you. You give AMAC strength, purpose, and direction. You are a guiding light, and we serve you gratefully. If one man or woman can make as much of a difference as my father has over the past five years, just imagine what a million or more of us can do together over the next five. Please help us keep this momentum going! With heartfelt gratitude, David G. Weber Chief Operating Officer
4 | www.amac.us
VOL. 7 ISSUE 3
Cover Stor y
34
Contents
AMAC and Its Members... Keeping America Strong
Daniel C. Weber Publisher Rebecca Weber Keiffert Editor in Chief Pamela Smith Managing Editor Jedediah Bila Diana Wisniewski Andrew Mangione David G. Weber Senior Contributing Writers Gia Ricottone Director of Advertising gricottone@amac.us
6 9
Sound Off Your Medicare Advisor Medicare Annual Enrollment Period
11 Simply Jedediah Stop Complaining & Start Doing
12 5 Steps to Prepare for Disaster 15 AMAC Rising Standing Strong for Conservative Values
17 Money Long Term Care Planning
20 AMAC Delegates 23 Health Mature American Citizens, Inc. 5 Orville Drive Bohemia, New York 11716 1.888.262.2006 • www.amac.us
40 Travel Quaint Villages of the Northeast
45 AMAC on Capitol Hill 50 Member Benefits Directory 52 Kathie’s Kitchen A Shell Game
57 Patriot’s Corner Let’s Take America Back
62 63 64 65
Just for Fun Government Watch AMAC in Action Did You Know?
9
11
Living Healthy with Diabetes
25 An American Profile Gov. Paul LePage
27 Job Creators Network
17
Reform the IRS Graphic Design by: Business by Design / Advertising Dynamics 631.751.5454 • www.bbd3.com
The contents of Amac Advantage Magazine may not be reproduced without the publishers written consent. Amac Advantage Magazine provides information of a general nature with the understanding that neither AMAC nor its affiliates are engaged in rendering medical or legal advice or recommendations. Information provided should not be considered a substitute for a consultation with a licensed physician or attorney.
29 Understanding Free Enterprise 33 Free Enterprise & Youth - A Successful Partnership 37 Washington Buzz Virginia Gubernatorial Race
45
40
52
Speaking Your Mind
Sound Off
“sound off” at 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!
The IRS Scandal Drives Need for Tax Reform
Clayton Page says: We can hope it drives some kind of POSITIVE tax reform!
Charles Neel says: AMAC should advocate, educate, and help pass the FAIRTAX! Only the FAIRTAX eliminates the IRS and repeals the 16th amendment! A flat tax would be another “dog” -- we would still have the lobbyists and the corruption!
La Lenz says: We can no longer trust the IRS as it is......abolish this agency and start over......
Sam McGinty says: ...and soon, these people will decide your health care.
Hestand Horses says: If I conducted business like the IRS I would be in jail
John Burt Polhamus says: The INCOME TAX was unknown to the Founding Fathers. Plus, it’s how the taxes are collected, and whether the collection is fair. We’re getting taxed at every turn, by a code so byzantine and arcane that NO ONE understands or can negotiate it themselves. Abolish the illegal Income Tax, and institute a flat tax on all purchased items. That equalizes the tax structure right there. Simple...but simple is what Federalism fears.
Small Business Owners Fear the Affordable Care Act
Shelley Merrill says: They should. It will destroy businesses of every size and prevent a lot of companies from hiring new workers to full time decent paying positions.
John Hartnett says: And they should be very worried. Not only those with 50 or more employees
6 | www.amac.us
but all businesses .... insurance rates will be going up for all business and individuals due to this fiasco. One other goodie .... an amendment includes a requirement to report ALL payments made to an outsider by a business no matter the amounts. Really loved that one.
AMAC Salutes the Youth of America for Heroic Deeds!
William LaSalle says: Hillarycare was too expensive and unconstitutional. Obamacare is no different. It discriminates against Christian Values and Unconstitutionally Federally Mandates how we spend our money and what medical treatment we receive.
AMAC Supports Repeal of Medicaid Expansion
Robert Rush says: Thank you for representing senior working folks. AARP supported Obamacare and stood silent as DC raided the Medicare Trust for $716 billion to help fund Obamacare.
Vivis Smith says: Thank you for standing firm.
Mary Minshall says: AMAC is a ray of light at the end of a dark tunnel!
50 Worst Charities
Theresa Kitchel says: This is what is wrong with our society. No moral compass.
Ernest Purcell says: Always know who you’re giving money to. There’s a lot of scammers out there making money with the words Veterans and First Responders in the title.
Henry Byler says: There are plenty of good places to donate money. If you are a church person, that is where you start. But, there are usually some good local charities that you can give to and even volunteer, so you can see what they do. Local food pantries rule!
Harold Feinberg says: Great story and yes a fine young lady very lucky to have known what to do.
William Petrosky says: There’s just not enough reporting of this kind. I think it takes tremendous courage to be a youngster today.
Richard Lohr says: WOW! What a story. Father’s Day is around the corner this month too! Those Farm girls get to share another Father’s Day with their Dad now! “Adrenaline” is amazing stuff. Praise God!
Billie Knapp says: This is heartwarming to say the least with all that is happening in this country and the world..........WTG young men......
Larry and Carol Fraioli say: So proud of our young heroes and would like to see them rewarded by their community and given nationwide news coverage by all stations! Thank you for your maturity and being such heroes for a 5 year old child who most certainly was being protected by “ANGELS”.....God Bless You and Keep You Safe as well!!!
Laurie Stuckey says: Thank GOD for people like this young boy and also for publishing this story... you NEVER hear anything when good things happen. Time for a new precedent; GOOD NEWS EVERY DAY!
Susan Prang says: This is the kind of stuff they need to show on every channel all day long for weeks and weeks!!! The negativity needs to stop!!
David Shampo says: Well done young men, well done.
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Your Medicare Advisor
The Medicare Annual Enrollment Period: October 15th – December 7th
T
he Annual Enrollment Period for Medicare Advantage Plans and Medicare Prescription Drug Plans is rapidly approaching. Many Medicare beneficiaries can become overwhelmed with all of the advertising on the TV, radio, and the amount of mailers they receive. With so many options, it is difficult to figure out which plan will best suit their needs. It is very important for beneficiaries to weigh all of their options so that they can make an educated choice. The plan chosen during this time period will be the coverage a beneficiary will have for the next year. During the Annual Enrollment Period, a beneficiary is allowed to add, drop or change their Medicare Advantage Plan and/or their Medicare Prescription Drug Plan. Medicare Advantage Plans and Medicare Prescription Drug Plans are guaranteed for one year at a time. It is essential for beneficiaries to review their current coverage because carriers can offer different plans in the following year, or discontinue plans altogether. If your plan is continuing, premium increases may occur. The Annual Enrollment Period is the time for beneficiaries to take advantage of the choices available to enhance their coverage. Some key factors to consider when reviewing Medicare Advantage Plans are: ■ What type of plan are you looking for? Are you looking for a plan with lower co-pays and premiums that has a specific doctor network? (HMO) Or does doctor choice better suit your needs where you may have higher co-pays, premiums or pay more to go out of network? (PPO)
by Diana Wisniewski
Are your doctors in network? It is important to know if your doctors are in the plan’s network. If they are not, you may have no coverage or pay more for these doctor visits. ■ What hospitals are in network? While you are able to go to any emergency room in the event of a medical emergency, inpatient and outpatient services are subject to the Medicare Advantage Plan’s network. ■ Know your co-pays, co-insurance, deductibles, and maximum out of pocket expense. For Medicare Advantage Plans with Prescription Drugs, and stand-alone Medicare Prescription Drug Plans, you should also consider: ■ Is your pharmacy a network pharmacy? If not, you will likely pay more for your prescriptions. ■ Are your prescriptions on the plan’s formulary? Know what your prescription drugs will cost. AMAC’s trusted licensed insurance agents strive to provide our members with the most suitable option we have ■
available by reviewing these key factors with each member. Our agents try to make this overwhelming time period as easy as possible for our members. Stay ahead of the rush this year and call AMAC as early as October 1st to get the 2014 plan information. Please keep in mind that 2014 plan information will not be available to us prior to October 1st. The Annual Enrollment Period begins on October 15th and runs through December 7th. AMAC encourages you to start the process early this year. With approximately 10,000 seniors aging into Medicare each day, the Annual Enrollment Period will be busier than ever before. Our agents await your call and look forward to providing you with the highest level of service.
Call AMAC’s Medicare Department at 800-334-9330 to speak to one of our Trusted Licensed Insurance Agents
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Simply Jedediah
Stop Complaining and Start Doing One of the best lines of advice I’ve ever gotten came from my Aunt Rose in the third grade: “Stop complaining about what you don’t like, and do what you can to change it.”
I took her advice that afternoon, had a much better school year because of it, and promised myself I’d never forget her words of wisdom. So here I am today, immersed in a sea of politics and culture wars, TV and radio debates, panel discussions and Q & A sessions where I’m challenged to think hard about who I am, what I value, and what messages I hope to convey to the listeners and viewers who count on me to tell them what I really think. There’s never a day that goes by that I don’t think about my aunt’s advice. So, let’s do ourselves - and our country - a favor and apply it. Yes, the mainstream media is painfully biased. Yes, the Obama administration has and will continue to use Hollywood and the entertainment industry to push its agenda. Yes, the Left has been highly focused on - and skilled at using pop culture outlets to shift
by Jedediah Bila
public opinion on political, cultural, and social issues. Yes, academia is often in the brainwashing business and revisionist history is alive and well. And now for my controversial statement: So what? What do the Left’s tactics have to do with me or my ability to counter them with smart policy, solid media strategy, innovative marketing, effective delivery, creative projects, and youth outreach? Nothing. They have absolutely nothing to do with me. Unless, of course, I spend more time complaining about what’s wrong than challenging it. That, I’m afraid, is a mistake being made all too often on the right. Yes, talking Obamacare repeal is important. But what’s more important is having smart, charismatic free-market enthusiasts in media, at events, and in liberal hubs talking specifics about alternatives. Why are the alternatives better? Who stands to gain? Why should young people care? Where are the hired messengers for this? In D.C. talking to each other? On TV being non-specific? Writing up proposals they can toss on a website that the ideal target audience will never read? Yes, speaking at conservative college forums is very important. But what’s more important is speaking at college liberal forums. Be the odd man or woman out. Challenge the status quo. I promise you that someone in that room will leave thinking about what you’ve said. I did it as a student at Columbia University, I did it among professors
while working in academia, and I do it every day in liberal New York City. Trust me, eyes and ears do open. Conservative and libertarian novelists, filmmakers, artists, musicians, clothing designers - challenge the system. Use your creativity and talent to define this movement; don’t let the Left define it for you. Will it be hard to get projects published and promoted? Sure. You know what else was hard? The drafting of the Constitution. They managed to get it done. There are people in this business who are content to preach to the choir, spew talking points, and hope for the best. I’m not one of them. So I ask you to join me in working to get people of all ages, races, religions, and professions to think a little harder, to open their eyes and ears a little wider, and to question what many in media and academia have told them for so long. In other words, let’s stop complaining and start doing.
www.amac.us | 11
Be Prepared
5 Steps to Help You Prepare for a Disaster Did you know that September is National Preparedness month? As we approach the one year anniversary of Hurricane Sandy and reflect on the disasters that occurred earlier this year, make it a point this month to prepare for a disaster. Advanced planning can save lives and protect property in the event of a disaster.
Here are a few recommended tips from Travelers to help you and your family prepare now, before a catastrophe strikes. When developing your disaster plan, please remember that safety always comes first.
1. Plan an evacuation route It is critical to prepare an evacuation route in advance of a disaster, as it may be too late to do so once an impending threat is announced. ■ Identify possible evacuation routes outside your neighborhood, taking into account the types of threats that may arise. ■ Designate a destination for all family members to meet. ■ Map out an evacuation route to your meeting place, ensuring your entire family is familiar with the route. ■ Estimate the amount of gas your
your Insurance Advisor
12 | www.amac.us
vehicle(s) will need to reach the meeting place. Remember that gas stations may be closed during emergencies. When evacuation becomes necessary, local officials will likely provide the information to the public through the media. Pay attention to news and weather reports, and be aware of what is going on around you. Please heed evacuation warnings when they are given.
2. Designate a contact person Identify an individual that you and your family can contact regarding your whereabouts after a disaster. This is especially helpful if you and your family members are separated during the disaster. It may be easier to communicate with your family members and your contact person after a disaster by using your cell phone’s text messaging capabilities. Telecommunications networks tend to be strained in emergency situations, and making voice-to-voice contact may be difficult. Make sure everyone in your family knows how to send and receive text messages.
3. Prepare a survival kit A survival kit may be useful for all types of emergencies, from a simple power outage to a catastrophic storm. If a disaster strikes, you may need to leave your home sooner than you anticipated, so it is important to have your kit readily available. Your survival kit should include: ■ Canned food (3-7 day supply) ■ Water (3-7 day supply; 1 gallon per person, per day) ■ Can opener ■ First-aid kit ■ Portable radio ■ Flashlight ■ Batteries ■ Medicine ■ Clothing ■ Blankets ■ Insurance policy continued on pg. 13
Be Prepared continued from pg. 12
5 Steps to Help You Prepare for a Disaster Store data electronically Important personal documents can help you reestablish your life after a disaster. Consider storing digital copies of the following on a password-protected flash drive and keeping it with your survival kit: ■ Wills, trusts, deeds ■ Titles ■ Personal & family records, including medical records ■ Legal & financial documents ■ Birth certificates ■ Account numbers ■ Copies of licenses ■ Home inventory ■ Pictures of your home & belongings You could also include on your flash drive items that are not essential but have sentimental value (e.g., family photographs, music). In addition, you should list the specific needs of infants, the elderly, individuals with special needs, and pets.
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4. Review your insurance policy Review your homeowner’s policy annually, and speak with your insurance representative to make sure you have the right types of coverage and the right amount of coverage. Many insurance policies do not cover flood damage. If you live in a flood-prone area, you may want to ask your insurance representative about flood insurance.
5. Create a home inventory Create a written inventory of the items in your home, store it on a password-protected flash drive or disk, and update it periodically, especially as you make large purchases. Make sure to include a list of your contents, when they were purchased, and what you paid for them. It may also be useful to take photographs of each room in your home and include them on the flash drive or disk along with your written inventory. We hope you take the time to prepare for a disaster and take the steps needed to help keep your family and property safe. To learn more and find out how much you could save with special rates on auto, home and renters insurance through the Travelers Auto and Home Insurance Program available to AMAC members, call Travelers at 1-866-906-4467 or visit www.travelers.com/amac. This article is for general information only. It is not intended to provide legal, technical or other professional advice, nor is it an endorsement of any particular product. In no event will Travelers or any of its subsidiaries or affiliates be liable in contract or in tort to anyone for the accuracy or completeness of this information. Laws, regulations, standards or codes may change from time to time, and you should always refer to the most current requirements. This information does not amend, or otherwise affect, the provisions or coverages of any insurance policy issued by Travelers, nor is it a representation that coverage does or does not exist for any particular claim or loss under any such policy.
EAR 100 Y
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www.amac.us | 13
BEFORE
Debby Boone
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©2013 Lifestyle Lift.® Lifestyle Lift® offers surgical and non-surgical procedures performed under local anesthesia. Single procedures take about one hour to complete but more time may be required for multiple procedures or to achieve best results. Most Lifestyle Lift patients return to normal activities in about a week but some need extra healing time, particularly if they have multiple procedures. Lifestyle Lift medical procedures involve a certain amount of risk. Ask your Lifestyle Lift physician and review the consent forms to find out more about your individual case and what you can expect. Patients depicted are compensated and have given their permission to appear. Photos are from various doctors and are for illustrative purposes only and do not constitute a promise or representation of any particular outcome or experience. Each patient’s experience, recovery and results will be unique depending on their skin, age, health and other individual factors. THE PATIENT AND ANY OTHER PERSON RESPONSIBLE FOR PAYMENT HAS A RIGHT TO REFUSE PAY, CANCEL PAYMENT, OR BE REIMBURSED FOR PAYMENT FOR ANY OTHER SERVICE, EXAMINATION, OR TREATMENT THAT IS PERFORMED AS A RESULT OF AND WITHIN 72 HOURS OF RESPONDING TO THE ADVERTISEMENT FOR FREE, DISCOUNTED FEE, OR REDUCED FEE SERVICE, EXAMINATION, OR TREATMENT. (8/13) AMAC082813-117
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AFTER
AMAC is Rising
Standing Strong for Conservative Values Hello AMAC Warriors. I address you as Warriors because that is what you are. Warriors. Warriors of Faith, Family, and Freedom. Warriors of truth. Most of you, dare I say, Warriors of God.
T
hose on the left might be critical of me for mentioning God in a public forum, but I’ll remind them that the First Amendment doesn’t just say, “Congress shall make no law respecting an establishment of religion...,” but also continues, “... or prohibiting the free exercise thereof.” Earlier this month, I published a post on Facebook and on our website. It evidently struck a nerve with the liberal camp, because they flooded us with hate mail simply because we took a conservative stance on an issue. At times, it can be difficult to be conservative, especially growing up in New York like I did. I was fortunate to have a loving family - including AMAC’s founder and my father, Dan Weber - to help me get to know God and to teach me how to think, regardless of what the teachers or other kids were telling me at school. One thing I’ve learned is that, in general, so many of the most commonly used arguments against conservative values that I’ve encountered are based not on facts, but on euphoric ignorance, sometimes even bordering on hatred. I’m not at all saying that all liberals are ignorant or hateful. I have many, many friends who are
by David G. Weber Chief Operating Officer, AMAC
liberal and are loving, caring people with whom I simply have different views. But if you’re a conservative, you most likely understand the sentiments that I’m trying to express. You’ve lived these sentiments. If you don’t support a governmentrun healthcare plan, they’ll argue that you don’t care about the sick. They are wrong. Conservatives think that a socialized healthcare system will hurt the sick, not help them. If you are Pro-life, they’ll argue that you care more about a lump of cells than a starving, needy child. They are wrong. Conservatives love all of God’s children, born or unborn. If you believe in teaching an individual to earn a living rather than to become dependent on entitlements, they’ll argue that you hate the poor. They are wrong. Conservatives believe in individual accountability, but will still help those who truly need it. If you are critical about the Government’s handling of Social Security funds, they’ll argue that you don’t care about the elderly. They are wrong. Conservatives believe in fiscal responsibility and want to ensure that our tax dollars are used appropriately and as intended for the benefit of the elderly and for future generations. If you believe in free enterprise, they’ll argue that you are rich, greedy, and only care about the upper class. They are wrong. Conservatives believe that free enterprise creates jobs for all Americans and is such a big part of what has made
America great. If you believe in a strong National defense, they’ll argue that you’re a warmonger. They are wrong. Conservatives believe that a strong military is necessary for America’s survival. And possibly the most despicable tactic of all, they’ll call you a racist simply for being conservative. Once again, they are wrong. Too many liberals love to play the race card. It’s their fallback position when their arguments have no truth or validity and when they have nothing else to say. You know you’re not a racist and God knows your heart. That’s what matters most. I ask you to respond to haters with love. Don’t respond to their hateful statements with hateful statements of your own. Respond with wisdom, facts, and logic. Fight fire not with fire, but instead, with God’s love. That doesn’t have to mean that you cannot or should not stand up strongly for yourself or for your values. After all, could you be armed with any greater strength than God’s love? Pray for the haters because they need to be prayed for. When you’re confronted with hateful criticism, act as Jesus Christ would, and know that God is smiling upon you. May God Bless you, and may God Bless the United States of America.
www.amac.us | 15
Taught by Joel Sartore, Professional Photographer national geographic magazine
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Learn the Inside Secrets of Professional Photographers Photographs can preserve cherished memories, reveal the beauty of life, and even change the world. Yet most of us point and shoot without really being aware of what we’re seeing or how we could take our photo from good to great. Just imagine the images you could create if you trained yourself to “see” as the professionals do. With Fundamentals of Photography, you’ll learn everything you need to know about the art of taking unforgettable pictures straight from National Geographic contributing photographer Joel Sartore—a professional with over 30 years of experience. Whatever your skill level, these 24 engaging lectures allow you to hone your photographer’s eye, take full advantage of your camera’s features, and capture magical moments in any situation or setting imaginable.
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Making Great Pictures Camera Equipment—What You Need Lenses and Focal Length Shutter Speeds Aperture and Depth of Field Light I—Found or Ambient Light Light II—Color and Intensity Light III—Introduced Light Composition I—Seeing Well Composition II—Background and Perspective Composition III—Framing and Layering Let’s Go to Work—Landscapes Let’s Go to Work—Wildlife Let’s Go to Work—People and Relationships Let’s Go to Work—From Mundane to Extraordinary Let’s Go to Work—Special Occasions Let’s Go to Work—Family Vacations Advanced Topics—Research and Preparation Advanced Topics—Macro Photography Advanced Topics—Low Light Advanced Topics—Problem Solving After the Snap—Workflow and Organization Editing—Choosing the Right Image Telling a Story with Pictures—The Photo Essay
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Money
Don’t Let Your Children Inherit Your Nursing Home Bill Not planning for long-term care (LTC) expenses in retirement can easily deplete funds you had intended to leave your children. In fact, depending on where you live, your kids could even be liable for your unpaid nursing home bills. If you didn’t know that, you are not alone. Alarmingly, more than three out of five Boomers surveyed in a recent nationwide survey say they do not believe that state laws can force children to pay their parents’ unpaid nursing home bills. However, 29 states currently have laws that could make a patient’s children responsible for unpaid LTC bills. Pennsylvania and New Jersey have been the most aggressive in enforcing its filial laws. Recently, the Pennsylvania Supreme Court upheld a child’s liability for his parent’s nursing home care. The court ruled that John Pittas was responsible for his mother’s $93,000 nursing home bill (HCRA v. Pittas). Eldercare attorneys say while many states currently don’t enforce their filial laws, the increasing cost of healthcare may soon have additional states considering doing so. A parent’s legacy to his or her children used to include leaving behind an inheritance. However, a Harris Interactive poll that surveyed 813 Americans age 50 or older with at least $150,000 in income or investable assets revealed that the escalating costs of healthcare and lack of proper planning have many Americans hoping just to break even and not be a burden to their children.
Concern but no plan for LTC Seven in ten Boomers nearing retirement say their biggest concern when planning for retirement is paying for
long-term care, yet fewer than one in four have talked to their financial advisor about it. Approximately four in five say that they do not expect their children to support them in retirement – including providing physical care and financial support, and letting them live in their homes. However, nearly one in four say they are not planning at all for LTC expenses.
Starting difficult discussions While nearly half of respondents have discussed LTC costs with their spouse, only ten percent have discussed it with their children and only six percent with their parents. Respondents indicated that they find it difficult to discuss LTC, most noting that the topic is depressing. Though it’s difficult to start these conversations about seemingly somber topics, families and advisors need to put the difficult conversation in perspective by thinking about the future and how a conversation now can make a situation easier down the road. Most Americans are in denial that they will ever need nursing home care, so they never plan for LTC costs. However, the U.S. Department of Health and Human Services estimates that 70 percent of those over age 65 will need LTC during their lifetime. The average cost per year for a nursing home is projected to be $265,000 by 2030 – and that is not for a private room.
Make a plan It is important to start discussing LTC planning as a family and develop a well thought out plan so that parents and children understand where LTC funding will come from and both parties feel secure in the approach. Proper retirement planning should include some type of LTC insurance protection that can provide funds for someone should they have LTC expenses. The most commonly known long-term planning choice is the traditional standalone LTC policy. While it is very customizable, some people don’t like the “use it or lose it” nature of these products. There are also some innovative products available – including a LTC rider that can be added to life insurance coverage when purchased. With a life insurance/LTC rider combo, the death benefit is available to be accelerated, while living, for LTC expenses. However, in the event no LTC is needed, the insured has a death benefit to leave to heirs. The children of Boomers are likely to have their own retirement challenges. Parents who don’t plan for LTC expenses in retirement are taking a big gamble and potentially risk turning their children’s inheritance into a nursing home bill. Information provided by John D. Caffrey, CFP
www.amac.us | 17
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per year in fees compared to other personal emergency response services. Not all personal emergency response systems (PERS) have the same features. You should determine which features are important to you. $200 savings calculation was determined by averaging Philips Lifeline and Life Alert’s lowest available monthly fees. 5Star Urgent Response is available with the purchase of The 5Star and a one-time set-up fee of $35. Valid credit or debit card required for monthly service. 5Star service may not be available in remote or enclosed areas. You will not be able to make 5Star or 9-1-1 calls when cellular service is not available. 5Star service will be able to track an approximate location when your device is turned on and fully charged, but we cannot guarantee an exact location. 5Star service does not require a contract and can be cancelled at any time. Monthly service fees do not include government taxes or assessment surcharges. Prices and fees are subject to change. 5Star and 5Star Urgent Response are trademarks of GreatCall, Inc. GreatCall is a registered trademark of GreatCall, Inc. Copyright ©2013, GreatCall, Inc.
2013 AMAC Delegate HONOR ROLL
Honor Roll
The AMAC Delegate Program is off to a strong start. Thanks to the volunteer efforts of your fellow AMAC members, we now have approximately 140 Congressional Districts assigned to Delegates. And we’re growing every day. Ultimately, we’d like to have an AMAC Delegate in all 435 Congressional Districts in the United States. Won’t you please join us? Please visit www.amac.us or call 888 262 2006, ext. 1035 to become an AMAC Delegate.
Meet your AMAC Delegates! ALASKA
Raphael Betit Steve Marineau
district
at large at large
ALABAMA
Elizabeth A. Farrar Kenneth Barber Joan Johnson John Sheppard ARIZONA
Todd and Ellle Haebe Ron Nordin David Handrahan Mike Kapic Ted Farmer Devora Krischer CALIFORNIA
Richard Graeser Jacqueline Siefferman Martin C. Kuban Edward B. Carrigan Brad Lusk Mike Dempsey Greg Parker Paul DeSimone Jack Closson COLORADO
Ronald Bella David C.Kelley Frank V. Barba FLORIDA
David Sharpe William Lulias Donald O’Rourke Sharilee Beynon Robert P. Scarboro Cindy Krueger Melody Lee-Carte GEORGIA
Ron Yurick Gerald Hallman Dannie Reynolds Vince Romao
20 | www.amac.us
3 3 4 5 2 4 7 8 8 9 5 8 23 31 33 36 39 42 48 6 6 4
IDAHO
ILLINOIS
Robert Smith Patti Howard INDIANA
Russell Rybolt Eugene Baker Dave McNaught Geoffery Heald KENTUCKY
Jack Lydic Gerald Ling
LOUISIANA
Bill Preston Shirley Heaton Edward (Ted) McWhorter MASSACHUSETTS
John Wainionpaa MICHIGAN
Dave Klimsza Wayne L. Stahl Isabelle Terry Patricia R. Browne Gordon Trute Ronald J. Palmgren W. Kent Clarke Jr, JD Dave Cortright MINNESOTA
3 6 7 7 8 14 27 6 10 10 11
district
Jack Stuart George Thomason Sr.
Bradford Lee Nancy Stanchina MISSOURI
Tom Jeffrey Bob Bechtold Everett Kelly Dorcas Brown Candy Collette
NORTH CAROLINA
James S. Jones Jr. Robert Drummond Brenda L. Dobrick Edward Marshall
1 1 8 12 3 7 7 8 3 4 3 4 4 9 1 1 3 4 4 5 11 12 4 6 2 2 4 4 6 2 2 13 13
NEBRASKA
district
James R. Hoy Jr. Brad Kuiper NEW HAMPSHIRE
Bob Guida
NEW JERSEY
William Patrick McNamee Edward Durfee Arthur Katz Rev. Steven Maness Ph.D.
2 2 2 1 5 5 6
Jim Harbison LTC-USA (Ret.) 2 Thomas Lentner 2 Gail Bush Chuck Harmon Judith Smith NEW YORK
Randy Engesetter Joseph Gagliano Earliene Shipper George Linder OHIO
Christiana Marinescu Brian Lake Rita Fullerton Dean Schrickel James R. Monath MD Kenneth Houghtaling Sr Mary Mashburn Brian Lake OKLAHOMA
Rob Curry Jim Williams OREGON
Beth Ann Elms Robert W. Morgan PENNSYLVANIA
Valerie A. Spelman Richard F. Bregstein Raymond Bostard John Loughman Prudie Potter
Brenda Tolton Jeffery E. Cordell Art Bush Michael Shanlian, PHD SOUTH DAKOTA
NEW MEXICO
NEVADA
SOUTH CAROLINA
Michael Pulizzi TENNESSEE
Victor Velle Wade Burt Paul C. Westfield Thomas Houser Curtis Hartsfield TEXAS
2 2 4 1 3 3 25 6 7 8 10 12 15 15 16 1 5 2 2 6 6 6 18 15
Marj Thomason Alan J. Winters, MD, JD Galynn Ferris (Mr) Bill O’Sullivan Wallace Everitt Jerry Pfaffly Jennifer Adams, R.N. Tom Clanton Thomas A. Ortowski Ronald Hitchcock Al Spagnuolo Sandra Morey Rhonda Glass Jerry Galloway, CPA UTAH
Elaine Williams VIRGINIA
Phillip A. Wood Gordon L. Caylor II WASHINGTON
Dick Bowen Stephen Mosier Brian Lewis Chan Bailey Conrad Holuk
district
2 3 3 6 1 1 6 8 8 9 4 7 8 8 10 13 17 17 22 24 26 26 27 32 3 4 10 2 3 5 5 6
AMAC Delegates
AMAC Delegate Success Stories
AMAC Delegate JOAN JOHNSON, AL-04, meets with Joe Morgan, staffer for Congressman Robert Aderholt, in Gadsden.
AMAC Delegate EDWARD DURFEE, NJ-05, meets with Congressman Scott Garrett.
AMAC Delegate JIM HARBISON, NM-02, meets with Congressman Steve Pearce.
AMAC Delegates DAVID KELLEY, CO-06, and RON BELLA, CO-06, meet with Congressman Mike Coffman.
AMAC Delegate PAT HARPER BROWNE, MI-4, meets with Rep. Dave Camp’s Director of Community Relations and AMAC member Sharon Wise.
AMAC Delegate EARLIENE SHIPPER, NY-03, meets with Kevin DeLury, District Representative in Peter King’s office.
Check Out AMAC’s Affordable Term Life Insurance for AMAC Members Age 50 55 60 65 70 75 80
$100,000 $20.82 $29.75 $45.94 $71.22 $124.60 $241.76 $416.50
Male Monthly Rates $250,000 $34.34 $49.65 $79.40 $143.06 $260.97 $455.44 $929.69
Female Monthly Rates $100,000 $250,000 $19.42 $32.37 $23.71 $45.28 $31.32 $62.12 $46.55 $95.37 $83.65 $185.94 $150.59 $364.22 $345.97 $661.06
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ING TermSmart and ING TermSmart*NY: Rates are quoted for 10 year term, preferred, non-smoker. Also available in 15 and 20 year terms, smoker and non-smoker rates. Rates are effective as of 01/9/2013 and are subject to change. Premiums shown are for a healthy non-nicotine Preferred Rate Class, and are subject to underwriting approval by ReliaStar Life Insurance Company and ReliaStar Life Insurance Company of New York. Premiums shown are monthly and include an annual $75 policy fee. ING TermSmart, policy form series 1315-02/10, varies by state and may not be available in all states (not available in New York), is issued by ReliaStar Life Insurance Company (Minneapolis, MN). ING TermSmart NY, policy form series 3314-02/10, (only available in New York), is issued by ReliaStar Life Insurance Company of New York (Woodbury, NY). Within the state of New York, only ReliaStar Life Insurance Company of New York is admitted and its products issued. Both are members of the ING family of companies. All guarantees are based on the financial strength and claims paying ability of the issuing insurance company, who is solely responsible for all obligations under its policies. Other than the ING companies identified, no other entities whether distributing or listed on the material, are members of the ING family of companies. © 2013 ING North America Insurance Corporation. 160363 CN0530-10353-0615
www.amac.us | 21
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Technology Breakthrough
Safe, comfortable bathing from Jacuzzi®
Enjoy A Bath Again… Safely and Affordably
What To Look For in a Walk-In Tub: Five major considerations to help make an informed decision before buying a Walk-In Tub: - Quality - A walk-in tub is a major investment. You want to find a quality tub that will last for decades. Look for one that’s 100% leak proof, mold-resistant, full metal frame construction and one that’s American made.
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here is nothing like the simple pleasure of taking a warm bath. The cares of the day seem to fade away, along with the aches and pains of everyday life. Unfortunately for many aging Americans with mobility issues, slipping into a bath can result in slipping onto the floor. The fear of falling has made the simple act of bathing and its therapeutic benefits a thing of the past… until now. firstSTREET, the leader in products Designed for Seniors® has partnered with Jacuzzi®, the company that perfected hydrotherapy. Together, they’ve created a walk-in tub that offers more than just safe bathing, peace-of-mind and independence, it can actually help you feel better. Unlike traditional bathtubs, our Designed for Seniors® Walk-In Tub features a leak proof door that allows you to simply step into the tub rather than stepping precariously over
the side. It features a state-of-the-art acrylic surface, a raised seat, and the controls are within easy reach. No other Walk-In Tub features the patented Jacuzzi® PointProTM jet system. These high-volume, low-pressure pumps feature a perfectly balanced water to air ratio to massage thoroughly yet gently. Some swirl, some spiral, some deliver large volumes of water and others target specific pressure points. They are all arranged in precise locations designed to deliver a therapeutic massage, yet they are fully adjustable so that your bathing experience can be completely unique. Why spend another day wishing you could enjoy the luxury and pain-relieving benefits of a safe, comfortable bath. Call now and you’ll get an unsurpassed limited lifetime warranty. Knowledgeable product experts are standing by to help you learn more about this product. Call Today!
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- Pain Relieving Therapy - Find a tub that has both water and air jet therapy to soak away your aches and pains preferably with a perfectly balanced water to air mix.
Your Health
Living Healthy with Diabetes Diabetes mellitus refers to a group of diseases that affect how your body uses blood glucose, commonly called blood sugar. Glucose is vital to your health because it's an important source of energy for the cells that make up your muscles and tissues. It's also your brain's main source of fuel.
Symptoms
I
f you have diabetes, no matter what type, it means you have too much glucose in your blood. Over time, having too much glucose in your blood can damage your eyes, kidneys and nerves. Diabetes can also cause heart disease, stroke and even the need to remove a limb. Good diabetes management is the key to your good health. Working with your diabetes health care team to create a self-management plan is one of the most important things you can do to take care of your health.
Your Team, Your Plan Your team consists of your health care providers and may include an endocrinologist, a diabetes educator, mental health professionals, a dietitian, nurses, and other specialists. Sit down with various members of your health care team to construct the right plan to keep your blood glucose levels under control.
Plan Essentials In general, diabetes self-management may involve: Meal plan - Your plan will limit high-fat and high-salt foods and include plenty of high-fiber foods, fruits and vegetables, fish, lean meat, legumes, whole grains, and low-fat or fat-free dairy products. Regular exercise - Most people should aim to get 30 to 60 minutes of physical activity, like brisk walking, on most days of the week. Your health care team
by Gene Barrett
can help you decide what types of exercise will be the safest and most effective for you, and how you can manage your blood glucose levels while you exercise. Weight management - Weight management is a great way to reduce your risk of complications and manage your diabetes, especially when you have type 2 diabetes. Stress management - Too much stress can cause your blood glucose levels to become elevated. Learn to handle your stress and make activities such as yoga, meditation, and participation in hobbies part of your regular routine. Medication - Your diabetes medications are essential to keeping your blood glucose levels under control. It is important that you take them as directed by your doctor, even when you aren’t having any symptoms. Checking your feet - Nerve problems can cause a diabetic to develop foot problems, which can, in turn, become serious. Examine your feet daily for wounds, blisters and swelling. Contact your doctor if you have a sore on your foot that doesn’t heal. Monitoring blood glucose - Your health care team may recommend that you regularly check your blood glucose levels. Follow their instructions, and keep a record of your levels that you can take with you to your health care appointments. Quitting cigarettes - Smoking can increase your risk of heart disease and other diabetes complications. If you smoke, talk with your doctor about strategies for quitting.
Diabetes symptoms vary depending on how much your blood sugar is elevated. Some people, especially those with prediabetes or type 2 diabetes, may not experience symptoms initially. In type 1 diabetes, symptoms tend to come on quickly and be more severe. Some of the signs and symptoms of type 1 and type 2 diabetes include: ■ ■ ■ ■ ■
■ ■ ■ ■ ■
Increased thirst Frequent urination Extreme hunger Unexplained weight loss Presence of ketones in the urine (ketones are a by-product of the breakdown of muscle and fat that happens when there's not enough insulin) Fatigue Blurred vision Slow-healing sores High blood pressure Frequent infections, such as gums or skin infections and vaginal or bladder infections
Although type 1 diabetes can develop at any age, it typically appears during childhood or adolescence. Type 2 diabetes, the more common type, can develop at any age and is often preventable. Controlling blood pressure and cholesterol - Keeping your blood pressure and cholesterol levels in check is important to prevent heart disease, a common complication of diabetes. By following a good self-management plan, you can gain better control over your diabetes and avoid complications down the road. You’ll feel good doing it too!
www.amac.us | 23
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“The #1 Cause of Big Bellies — It’s Not What You Think!” (By Frank K. Wood) If you want to discover foods that will lower your blood pressure, cut your risk of heart disease, help you lose weight, and more — while trimming your grocery spending, too! — you need Your Body Can Heal Itself: Over 87 Foods Everyone Should Eat, an informative new book just released to the public by FC&A Medical Publishing® in Peachtree City, Georgia. You’ll be amazed to know your kitchen is full of proven remedies — right now! See the delicious fruit juice that can help keep your mind sharp, the tasty sweet treat that can give you a good night’s sleep, and the easy breakfast favorite that can lower your cholesterol. And that’s just the tip of the iceberg! The authors provide many health tips with full explanations. One miracle food contains nutrients that coat your arteries like a non-stick spray! Before you use an herbal supplement, make sure it’s safe by checking here. Get a good night’s sleep when you munch a handful of this fruit before bedtime. One extra serving a day of this fruit can fight strokes, obesity, and heart disease! Drink it to boost bones and battle osteoporosis. Surprise! It’s not milk. Cut your risk of memory failure in half! Eating just one food makes that much difference! Don’t lose your vision! Eat the foods that’ll keep your eyesight sharp for years to come. This little fruit not only fights off pesky infections, it actually works when antibiotics don’t! The berry that may protect your vision! How a healthy 50¢ meal can help you lose weight and lower your cholesterol! The most important food you can eat — for more energy, a more youthful body, and longer life. Slash your risk of Alzheimer’s with just 3 glasses a week! The 6 most dangerous foods in the country: One could be on your breakfast plate! Foods that lower your blood pressure, cut your risk of heart disease, and curb weight! Common spice blocks inflammation, helping you ward off arthritis, heart disease, and Alzheimer’s!
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An American Profile
Meet the Governor of Maine - Paul LePage How one man overcame adversity
I
had the pleasure of meeting Maine Governor Paul LePage at a conference last spring. When the Governor asked me the name of the organization I represented, I told him it was AMAC and a broad smile broke out across his face. He happily told me that he too, was an AMAC member. Later that evening, I had the pleasure of dining with Governor LePage along with his son and daughter. It was at this dinner that I learned about the Governor’s fascinating life story. Perseverance and determination are among the traits we Americans look for in our leaders. Unfortunately, many government leaders are lacking in these traits. This is not the case for Governor Paul LePage. As you will see, Paul LePage had no choice but to face the trials life presented to him very early in his life. And he met those trials head on with perseverance and determination. Special thanks to Lauren LePage, the Governor’s daughter and assistant to his chief of staff, for providing the details of the life of your fellow AMAC member, the honorable Governor of Maine, Paul LePage. Paul LePage has spent most of his life tackling one challenge after another challenges that would defeat most people. The oldest son of eighteen children in a dysfunctional and poverty-stricken family, Paul LePage left home at the age of eleven to escape domestic violence.
by Andrew Mangione
Homeless, he lived on the streets making a meager living shining shoes and doing whatever work he could find. At age thirteen, two families jointly took him in, trading days each week. Eddy and Pauline Collins kept him busy washing dishes at Theriault’s Cafe. Bruce and Joan Myrick kept him busy hauling boxes for Bruce’s Pepsi-Cola truck. Paul overcame all odds. He graduated from high school, attended college at Husson University and became editor of the college newspaper. He went on to earn an MBA from the University of Maine. Paul continued to work hard and earn success and rose to become the lead executive of one of New England’s largest retail chains, Marden’s. During his time at Marden’s, Paul successfully grew the business, creating jobs even during the recession. As he pointed out during his campaign for governor of Maine, Marden’s management had a simple philosophy for expansion: only grow the business when there was money in the bank to pay for it – something he said government should learn. Prior to joining Marden’s, Governor LePage headed a private consultancy firm. His clients included banks, law firms, insurance companies, bankruptcy courts and trustees. His industry experience includes the manufacturing, wood products, forestry, power, furniture, food and beverage, building supply and construction business sectors in Maine and Canada. Next to escaping a life of poverty in Lewiston, Governor LePage’s greatest
Paul LePage has spent most of his life tackling one challenge after another - challenges that would defeat most people. The oldest son of eighteen children in a dysfunctional and povertystricken family, Paul LePage left home at the age of eleven to escape domestic violence.
success has been as Mayor of Waterville. A Republican in a solidly Democrat town the Governor worked across party lines to reduce taxes annually, improve the city’s credit rating, increase the rainy day fund and maintain strong support for local education – all without cutting services. As a result he was re-elected again and again. In 2010, Paul LePage won a 7-way primary election to advance to the general election, and ultimately was elected as Maine’s 74th Governor. As Governor, Paul LePage has significantly reduced the state’s unemployment rate, enacted the largest tax cut in the state’s history, created Maine’s first charter schools and reformed welfare. Governor LePage is an American success story, and his record clearly indicates his support for conservative values. We are proud to count him as an AMAC member.
www.amac.us | 25
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Op-Ed
Punish - and Reform the IRS Americans have a right to demand that the Internal Revenue Service do its job without political bias. Yet today, the IRS has gone off the rails and decided political intimidation is part of the agency’s mission. There is no question that Congress should investigate. Lawbreakers must be prosecuted.
T
he scandal has even had a significant impact on Main Street. In a Job Creators Network Foundation poll last month, 61 percent of small business owners said they, too, feared retribution from Washington bureaucrats if they spoke out. Your member of Congress may soon bring punishment to bear against an out-of-control IRS. But if that’s all they get done, then you should fire your representative for not fixing the problem. The real scandal isn’t how the IRS enforces the tax laws - it’s the tax code itself. We want to believe that the Rule of Law governs in America, but the punishing and costly complexity of our tax code leaves us ruled not by law, but by lawyers and accountants. The modern federal income tax was born 100 years ago, and the first CCH Standard Federal Tax Reporter was published to explain it all. That first edition in 1913 was just 400 pages, yet today it runs to nearly 74,000 pages. If the first tax rules required a 100-yard dash of compliance knowledge, the modern version is like running half a marathon.
by Mike Leven Mike Leven is President and Chief Operating Officer of the Las Vegas Sands Corporation and a Job Creators Network Foundation Foundation member.
The IRS says the annual cost of this paperwork for all of us is $168 billion and 6.1 million man-hours. That’s an economy larger than South Carolina and at least two dozen other states. It is no surprise that this power is a tempting target for abuse, and the IRS has been used as a political weapon during the reign of at least four other Presidents from both parties: Nixon, LBJ, FDR, and JFK. Murder, bootlegging and bribery were among the list of serious crimes attributed to mobster Al Capone, yet accountants enforcing the federal income tax were the only lawmen that could bring him to heel. The US Supreme Court had ruled that even illegal income was subject to the tax, and Capone couldn’t figure a way to pay up. We all rightfully appreciate that this violent gangster was brought to justice. But there’s a sobering lesson: The federal tax register checked in at just 500 or so pages back in 1931, and apparently it was already easier to get away with murder than comply with the federal income tax. Today, it’s not surprising that individuals and businesses often feel like criminals for just trying to honestly sort out what they owe and what of their own legally-earned money they can keep. Hundreds of millions can be spent lobbying politicians for and against changes in the tax code as political debates fixate on who is or is not paying their “fair share” and which politically connected businesses deserve special breaks. The result is not a tax code, but a moral
code, and morality needs a lot more rules, lobbyists and loopholes. And it makes more room for ideological witch hunts. The IRS says the annual tax compliance paperwork cost imposed on all of us - that $168 billion - is equal to 15 percent of the total money that the Tax Man takes. Other estimates have calculated a number more than twice as high. We may be paying close to one dollar in tax compliance cost for every three the government collects. It’s an immoral waste. The purpose of a tax service should be to efficiently collect the money we need to fund the government we want. Period. Big reformers suggest tossing out the tax code and replacing with a simple, flat income tax, or a new flat-rate sales tax. These have their flaws and their critics, but most really would be an improvement. Real, less ambitious solutions can work as well. President Reagan and Congress agreed to serious tax simplification in 1986, and the state of Michigan recently threw out the nation’s worst business tax and replaced it with a much simpler, pro-growth reform. At Job Creators Network Foundation, we believe the IRS scandal will not be truly resolved until we have real tax reform. If taxpayers accept anything less in the wake of the IRS scandal, we have failed.
www.amac.us | 27
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Economy
Understanding Free Enterprise and How It Generates Wealth for the United States
I
n the 2012 election cycle, President Obama famously said that the business owner “didn’t build that business, the government did.” The President missed the point. Government does not produce wealth. Free Enterprise produces wealth. Government does not possess wisdom to control the economy or the people working within it. “Free Enterprise is the system characterized by individual liberty over collectivism, earned success over entitlement, and private entrepreneurship over government control.” (2010, Arthur C. Brooks, “The Battle”) Adam Smith, the famed economist who wrote “The Wealth of Nations” in 1776, observed that the key phenomenon that builds nation’s wealth is individuals working independently for their own interests and their own gain, and “is led by an invisible hand to promote an end (wealth building).” In other words, Dr. Smith observed that productivity gains are magnified when people work for themselves. (Book IV, Chapter 2) Individuals working for their own “self interest,” create wealth through their labors, production, and commerce with other individuals pursuing the same goals. The impact of the “invisible hand” on the local and national economy is
by William Hall
huge. If Dr. Smith were alive today, he might refer to President Obama’s assertion of state control and heavy taxation as the “dead hand” squeezing the life out of the wealth of our nation. The founding fathers knew the importance of government being the servant of the people, not its master. Liberty was a central theme in their writings and actions. Free Enterprise allowed people to take charge of their own economic lives and allow them to choose their own destiny, profession or business without interference from the government, a concept that did not exist in Europe at the time. “A wise and frugal government, which shall restrain men from injuring one another, shall leave them otherwise free to regulate their own pursuits of industry and improvement.”(President Thomas Jefferson, First Inaugural Address, March 4, 1801) From the beginning, Americans worked hard and created the nation we know today. Alexis de Tocqueville visited America in 1835 and wrote in “Democracy in America” the exceptional qualities of the people. Everyone had equal access to work in the economy as they deemed fit, not as deemed by aristocrats, as was the system in Europe. Immigrants left their homeland to pursue the opportunity to build a new life for themselves. Their children took up the torch and pursued their own industry, unfettered
Why, then, is it necessary to write about Free Enterprise? We know it is the very bedrock of the American Experience. We watched Free Enterprise introduced into
formerly
socialist
societies with destructive central planning turn those societies into productive citizens producing wealth from the ashes of a failed economy. We know the history and we took civics. We understand the system, or do we?
by government control. Optimism is the best description of Americans, that the glass is half full and not half empty. Americans are generous and support charities to an astonishing degree not seen in other parts of the world. Why, then, is it necessary to write about Free Enterprise? We know it is the very bedrock of the American Experience. continued on pg. 31
www.amac.us | 29
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Economy continued from pg. 29
Understanding Free Enterprise We watched Free Enterprise introduced into formerly socialist societies with destructive central planning turn those societies into productive citizens producing wealth from the ashes of a failed economy. We know the history and we took civics. We understand the system, or do we? We must write about Free Enterprise because our young people are being persuaded that Free Enterprise is evil and must be destroyed by the likes of Michael Moore and others supporting progressive ideology (Socialism). People over the age of 40 understand and believe in the Free Enterprise system. In a Pew Research Poll conducted in March 2010, people were asked if they preferred Free Enterprise or Socialism; 16% preferred Socialism. So what is the problem? People grow up when they find out Socialism forces all people to pay for it. The former Prime Minister of Great Britain, Margaret Thatcher, famously said “The problem with Socialism is that you eventually run out of other people’s money.” We outgrow Socialism, so why worry about it?
Small businesses are the job-creating engines in the American economy. Small, independent businessmen or women create more than 80% of all the new jobs and employ more than half of our total workforce.
Tragically, that same Pew poll revealed that 30% of adults under the age of 30 believe Socialism is the answer and
another third are open to it but “don’t know.” Did you get that? Two thirds of our young people favor or are open to considering Socialism over Free Enterprise. This shocking revelation demonstrates that the progressives are succeeding in persuading the young with their siren song of “fairness“ and “spreading the wealth” to benefit society. We are surrounded with leaders in the media, government, schools, entertainment, and other sources condemning a Free Enterprise that creates powerful rich people who trample on the less fortunate. They condemn our society as “selfish” and “uncaring” with no concern for the well-being of their fellow man. How do we tell our children and grandchildren the truth? We know Free Enterprise made this nation the most prosperous in history and we know that this system raised the level of prosperity for all Americans to enjoy. Small businesses are the job-creating engines in the American economy. Small, independent businessmen or women create more than 80% of all the new jobs and employ more than half of our total workforce. Indeed, even the Fortune 500 companies began as small businesses. Apple began in a garage. Harvey Firestone began in his small shop producing a new form of tire. Even Ben Franklin began using a broken printing press and created a publishing empire of his day. Yes, history proves that America was built with the small business owner beginning with an idea, a service or simply meeting the demand from their customer. But how do we defend Free Enterprise to the young adult? Where do we start? And will they listen? For their sake, we must try; they are the future of our nation and the hope of future generations. We can start with the employees in our small business, with our grandchildren and great-grandchildren, and
with our friends and neighbors and spark a debate defending our cherished system of Free Enterprise and a government that respects private property and individual freedoms. We need to engage in thoughtful discourse, not slogans and “sound bites.” When an employee asserts that government must spend to stimulate the economy and when it fails (as it always does), it is due to not spending enough we can answer by stating historical fact. After the stock market crash of October 1929, President Herbert Hoover persuaded a Republican Congress to pass a stimulus package of 250 Billion dollars in November 1929. If we convert that number to today’s 2010 dollar value, that stimulus would have a value in excess of3.838 Trillion Dollars! Imagine the impact on an economy a fourth the size of the 2009 economy. It failed and the Great Depression continued. Government cannot spend its way out of trouble. How, then, shall we live? AMAC members are supporting the American values of Free Enterprise, individual liberty, respect for private property, and limited government. This is our call to action. We must take on the challenge to educate the young people of this land and defend our cherished values and our impressive history. We celebrate Free Enterprise every time we hear a story of a successful venture, such as reported elsewhere in this publication, on the youth rebuilding cycles to earn money and help fellow kids who cannot afford a bike. We must not shrink from our responsibility. If not you, then who?
www.amac.us | 31
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America is Rising
Free Enterprise and Youth A Successful Partnership! One of the most fundamental principles in the Free Enterprise system is that participants are rewarded for their effort. Said another way, if one wants to receive a benefit, they must work for it.
O
ne of the most fundamental principles in the Free Enterprise system is that participants are rewarded for their effort. Said another way, if one wants to receive a benefit, they must work for it. It’s really not a hard concept to grasp, and a group of youngsters in New Jersey is proving that Free Enterprise is a goal worth pursuing. In the Jersey Shore community of Asbury Park, there’s a place where our country’s future is alive and well and dedicated to understanding what it means to work for something rather than expect something to be handed to them. It’s called Second Life Bikes, and it’s a thriving venture that gives out life lessons right along with a young person’s often most coveted goal—their own bicycle. Second Life Bikes is the creation of 41-year-old former Wall Street professional Kerri Martin, who traded the corporate life for something more spiritually and emotionally constructive after witnessing the events of 9/11. One might think that starting a bike repair shop was not all that unique, but you need to look inside to get a feel for what it’s really about for Martin. She sees a much bigger picture—a place where the youth in
by Gerald Hafer
her area can learn about themselves and what they can do for themselves. Martin accomplishes this bigger picture by “employing” young people, and having them work a set number of hours (recorded carefully on time cards, no less!) to earn a bicycle. They learn mechanical skills and life skills during their time at Second Life Bikes, but most importantly they learn that you have to give in order to get. Interviewed recently for a CBS News feature, Second Life Bike veteran 11-year-old America Rice explained what she’s learned in very simple terms, “That’s because if you want something, you have to earn it,” said America. “Everything is not going to come to you just when you want it. You have to do certain things, and if you’re not able to do it then you won’t get it.” So far, Martin and her “staff” of ten adult volunteers have had the opportunity to work with hundreds of youths in the Asbury Park area, and have witnessed the joy of a growing number of rehabilitated bicycles hitting the streets with their proud new owners. And on top of that, they’ve seen many of these young people stay on at the shop after earning their own bike, giving back to the community by helping others fix their bikes. Amid all of the clamor these days about unearned privileges and entitlements, it’s both refreshing and reassuring to see
In the Jersey Shore community of Asbury Park, there’s a place where our country’s future is alive and well and dedicated to understanding what it means to work for something rather than expect something to be handed to them. It’s called Second Life Bikes, and it’s a thriving venture that gives out life lessons right along with a young person’s often most coveted goal—their own bicycle. a concept like Second Life Bikes take hold and grow. In the words of Franklin D. Roosevelt, “We cannot always build the future for our youth, but we can build our youth for the future.” Kerri Martin and her colleagues at Second Life Bikes clearly get this.
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AMAC and Its Members: Keeping America Strong
B
y now, AMAC members are familiar with our association’s humble beginnings. Like many American entrepreneurial ventures, AMAC began to fill a need: provide people who are age 50+ with a competing senior organization that better represents their values and ideals.; build an organization that combines one-of-akind member benefits and services with aggressive advocacy; represent issues that are dictated by the membership and listen, but more importantly, act, on their concerns; construct such an organization that places a white-hot spotlight on the hypocrisy of a big, outof-control government while amplifying the voices of those who want to protect and perpetuate the values and beliefs some would denigrate because they fear their power, the power of truth. This is exactly what Dan Weber set out to do in the summer of 2007. Any new endeavor always involves a certain amount of risk. For Dan, one of the biggest risks was entering an arena long dominated by a firmly entrenched, highly recognizable senior citizen establishment. Undaunted, Dan Weber risked his own capital and started up AMAC as an alternative senior
by Andrew Mangione
34 | www.amac.us
organization. At first, members trickled in, mostly by word of mouth as Dan and his team built the member benefits part of AMAC. Then, AMAC Advantage was launched and shortly thereafter went national, bringing word of AMAC’s advocacy for conservative values to all 50 states. Membership continues to grow and nearly every dollar that comes into AMAC goes right back out to support new member growth. Engaging with AMAC members has proven to be a delightful experience. Our members have very diverse backgrounds. They’re small business owners, nurses, Fortune 500 professionals, teachers, career military service members, physicians, lawyers, insurance agents, and work or have worked in many more careers that are far too numerous to list in this space. We also discovered that AMAC members possess a singular passion to be part of the solutions for the problems facing America today. This was evidenced when the call went out last fall for participants in AMAC’s Health Care Workshops. If you recall, AMAC was asked by the House GOP Doctors Caucus to engage our members in a dialogue regarding reforming health care. The end result was 100 AMAC members taking part in 10 workshops that resulted in a 175-page document filled with unique and novel solutions to increase the quality of health care while driving down its cost. This passion
for involvement was further evidenced as we launched the AMAC Delegate Program. To date, over 130 AMAC members have stepped forward to volunteer as Delegates, and numerous visits have already been made to local Congressional district offices. Some Delegates have actually scheduled and held AMAC Town Hall Meetings with their Member of Congress. AMAC’s members have also expressed their desire for information and knowledge. They do not want to be told what to do, but rather seek the facts
Keeping America Strong AMAC members could sit back and enjoy their hard-earned retirement and let the chips fall where they may for future generations. Fortunately, this aspect is not in an AMAC member’s DNA. They joined an organization to band together to fight for the values for which they believe.
they require in order to make informed decisions on their own. This is why we highly regard our members’ input as a guiding force in directing AMAC’s priorities. Our members are also astute when it comes to the ways of government and its role in people’s lives. Our polling indicates as much. When we polled our members regarding the IRS’s role in the economy, AMAC members didn’t respond with a knee-jerk, emotionally charged rant to just “get rid of the IRS.” They realize that a representative
republic needs money to function. While voting to disband the IRS, AMAC members were willing to examine the fair tax or flat tax as viable replacement options. AMAC members have worked hard, sacrificed for their children, saved their money and most now are enjoying their golden years. AMAC members that are not yet retired continue to persevere so that they too may enjoy a comfortable retirement. It’s the American Dream. Yet this dream may not be attainable for our children and grandchildren.
Every day we see an erosion of freedoms; an invasion of privacies; intrusive, unpopular laws; rising prices for fuel and basic necessities and tax dollars shamelessly wasted on bloated bureaucracies. AMAC members could sit back and enjoy their hard-earned retirement and let the chips fall where they may for future generations. Fortunately, this aspect is not in an AMAC member’s DNA. They joined an organization to band together to fight for the values for which they believe. They know free market enterprise leads to entrepreneurial opportunities and that leads to job growth and creation. They know the Constitution was designed to protect Americans from government intrusion and it deserves to be protected and preserved. AMAC members realize that they find themselves in the domestic fight of an era. Their children’s and grandchildren’s future is at stake, along with the fruit of their lifetime of work and effort. They joined AMAC to push back and voice their dissatisfaction with the emerging status quo of increased debt, divisiveness and incompetence they’ve witnessed at the hands of their leaders. They want to restore the American Dream for their families. And working together with our members leading the way, we most certainly will.
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George Bernard Shaw once said “Youth is wasted on the young.” Were he alive today, he might well say that computers and the Internet are wasted on the young. The very people who can benefit most from the digital revolution are the ones who are least likely to take advantage of it. Computers seem to be designed for teenagers, and many older folks are intimidated by the complex operating systems and complicated navigation. It’s gotten so bad that some people have to pay for instructional videos or go to classes just to use their computer. Now, the leader in developing products for Boomers and Beyond™ has introduced a computer that’s designed just for people like you. It’s helping thousands of people get back into life by keeping them connected.
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WOW! The perfect name for this amazing computer. I have been using it for about a month and thoroughly enjoy the speed and ease in which I am able to download pictures from my camera and share them with family and friends via email. Everything is so easy to use at the touch of my fingertips. To be able to chat with and see my grandchildren is as though they are here with me. I haven’t begun to explore all the benefits of this computer. It has opened up a whole new world for me. I love it, love it, love it! – Carol K., Benbrook, TX
Washington Buzz on Key Races
Virginia Gubernatorial Race With New Jersey Governor Chris Christie (R) cruising toward a second term, the bitter back-and-forth of the Virginia gubernatorial race has taken center stage as the political contest to watch in the 2013, off-year elections. Headed into the final campaign stretch, the Virginia race – which features a Clinton crony and a hard-right ideologue – remains extraordinarily tight.
Early polls give the edge to former Democratic National Committee chairman, Terry McAuliffe, who maintains a slight three-point lead over his Republican challenger, Attorney General Ken Cuccinelli, according to the latest Rasmussen report.1 The 44%-41% split falls within the 3% margin-of-error, meaning the governorship is still either candidate’s to win – or lose for that matter. Neither candidate is particularly popular among Virginia voters, however. In fact, 12% of voters remain undecided – a significant statistic that could play a role in determining who will be Old Dominion’s next governor. With many voters still uncommitted, several factors have an opportunity to swing the political pendulum in favor of one candidate. 1. Campaign Fundraising: Recent financial reports indicate that McAuliffe is dominating Cuccinelli on the fundraising front. With $5.4 million in cash on hand, McAuliffe continues to outraise Cuccinelli, who has a mere $2.7 million in cash on hand. Both candidates received big donations from their
by Caroline Howle
national parties, but fewer contributions from Virginia businesses could be part of what is hurting the Cuccinelli campaign. McAuliffe’s financial resources may be able to give him a leg-up when it comes to advertising and communicating his message to Virginia voters – who allegedly know very little about either candidate. Still, Cuccinelli should not be underestimated. The sitting AG has been out-fundraised in all of his past elections but has always managed to find a way to win. 2. ObamaCare: Minutes after the Patient Protection and Affordable Care Act (PPACA), known more commonly as “ObamaCare,” was signed into law in 2010, Cuccinelli became the first of many AGs to officially declare the legislation unconstitutional. Challenging ObamaCare’s individual mandate, Cuccinelli argued in the lawsuit that Congress did not have the authority to punish people who did not want to purchase health insurance. Cuccinelli’s highly-publicized legal action sparked a massive anti-ObamaCare movement in the states, earning him a national reputation as a passionate, conservative go-getter. On the other hand, McAuliffe sided with the president in the law’s creation, supporting both ObamaCare and the public option. McAuliffe also favors expanding Medicaid in Virginia, whereas Cuccinelli does not.
With such a large percentage of voters in the Commonwealth still undecided, these factors could have considerable bearing on the outcome of Virginia’s gubernatorial election.
3. Energy: Given that Virginia is the 12th largest coal-producing state in the country, McAuliffe and Cuccinelli have been forced to address the issue of energy. Virginia is home to thousands of coal-related jobs – making energy one of the key components to winning the independent vote. Cuccinelli has been quick to label McAuliffe the anti-coal candidate, after McAuliffe made a string of controversial statements back in 2009. During a 2009 Virginia Democratic gubernatorial primary debate, McAuliffe continued on pg. 39
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Washington Buzz on Key Races continued from pg. 37
Virginia Gubernatorial Race stated, “We need to move past coal.”2 Then in July, McAuliffe appeared on the campaign stump with former University of Virginia professor, Michael Mann – renowned for his global warming research that has been used by the Left to champion the idea of government-subsidized clean energy. Cuccinelli continues to declare himself coal’s one true friend in the race, aligning McAuliffe with President Obama and his “job-killing war on coal” initiative. Still, Democrats allege that Cuccinelli’s position on corporate tax credits will benefit his allies in the coal industry – if he is elected. A tax break of this kind could send Cuccinelli critics into a modern-day political patronage fit. 4. The Economy: Though both candidates have centered their campaigns on the economy, McAuliffe and Cuccinelli approach the creation of jobs in fundamentally different ways. McAuliffe’s progressivism continues to act in sharp to contrast to Cuccinelli’s call for smaller government. Cuccinelli seeks to empower middle class families and businesses through tax cuts, reducing “government barriers that crowd out economic opportunity in the private sector.”3 He plans to reduce personal income and business taxes by .75% and 2.0% respectively, while creating a committee focused on providing aid to small business. McAuliffe plans to create jobs in different ways, by focusing on lower costs for higher education, improving infrastructure, expanding Medicaid through ObamaCare, and investing in alternative energy. As of late, many voters have questioned McAuliffe’s ability to help the economy recover, as he recently led two separate, highly-touted business ventures that resulted in failure – both of which involved alternative energy. With such a large percentage of voters in the Commonwealth still undecided, these factors could have considerable bearing on the outcome of Virginia’s gubernatorial election. As voters struggle to identify with either candidate, an emerging trend can be noted: candidates are increasingly becoming more polarizing. The Virginia gubernatorial race demonstrates that candidates are sticking to their parties’ core principles, making it difficult for moderate voters to relate to major party candidates. To make an informed choice about who to support, voters on the fence need to craft voting strategies – a process that begins with deciding what issues are most important to them and requires some research of candidate platforms. Still, it remains to be seen whether state history will repeat itself in November by electing a governor from the party that lost the White House just 12 months earlier. Regardless, the outcome of the Virginia faceoff will help set the tone for the 2014 congressional midterm elections, offering a foretaste of voters’ approval or disapproval for the direction in which the country is headed. With a major presidential election on the horizon, the battle to move the hearts and minds of voters at the state level is critical. 1
“Election 2013: Virginia Governor,” Rasmussen Reports, June 10, 2013, www. rasmussenreports.com/public_content/politics/elections/election_2013/virginia/ election_2013_virginia_governor.
2
“McAuliffe: I Never Want Another Coal Plant Built,” C-SPAN, Virginia Democratic Gubernatorial Primary Debate, April 29, 2009, www.c-spanvideo.org/ clip/4371876.
3
“Ken Has A Plan For Jobs,” Cuccinelli, accessed July 12, 2013, www.cuccinelli.com/ ken-has-a-plan-for-jobs/
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www.amac.us | 39
Travel
Quaint Villages of the Northeast Your Guide to Good Times! WHY HESITATE? Now is the perfect time to embark on adventure. Discover the beauty of America’s northeast, encompassing a blend of brilliant cities, classic landscapes, quiet rivers and ever-changing sea tides. Locked by land on three sides, and with the dramatic Atlantic Ocean to the east, you’ll fall in love with the nine states and numerous quaint villages which make up the region. Head off the beaten path and follow winding trails leading to charming villages nestled into rolling hills and sweeping valleys. Along the way, witness deer in flowery fields, covered bridges, and steeple-topped churches which signal entrance into the heart of the region.
IDEAS FOR FUN: License plates of the Pine Tree State proudly designate Maine a wondrous Vacationland. Dreamy seashore and historic villages dot the Southern Maine Coast, making it the ideal seaside getaway for fun and romance. The allure of gorgeous beaches, scenic lighthouses and visions of windjammers on sunset sails attracts visitors to the shores of Kennebunkport, Maine. The sea captain mansions which line Summer Street beckon history buffs to step back
Bush Family Summer Home Kennebunkport, MA
in time. Visit the Museum in the Streets, a heritage trail displaying panels which share the town’s unique history. Enjoy a stay at the beautifully furnished Captain Lord Mansion, a peaceful and premier B & B Spa & Inn featuring early 19th century charm. The fireplaces and lovely décor welcome guests inside. The beautifully landscaped grounds invite folks to lounge under a shade tree or relax in a hammock. Close proximity to shops and restaurants make this a perfect yearround northeastern getaway. A warm hello is bid to all visitors who come to the Granite State, where New Hampshire pleasure and hospitality await. The lovely town of Portsmouth, New Hampshire sets the captivating stage for callers who wish to experience all the sea-coastal city has to offer. Discover the picturesque maritime town, filled with historic homes and museums. Visit the Strawberry Banke Museum, the site of one of Portsmouth’s earliest settlements which features numerous restored homes in the Colonial, Georgian and Federal styles. Delight yourself with an overnight stay at The Ale House Inn, a former brewery c. 1880 turned boutique hotel. This loft-like urban inn’s convenient location in the Market Square District makes walking to shopping and dining a breeze. Whether you see a show at a local theatre, dine in one of many fine restaurants, stroll in beautiful art galleries, or relax waterside, there’s much to do to keep you delightfully entertained.
by D.J. Wilson photo: Tony
40 | www.amac.us
Woodstock, VT
The Commonwealth of Massachusetts goes by many different nicknames including The Bay State, likely in reference to the Cape Cod Bay where early settlements were made. Settlers made their way to Salem, Massachusetts and thrived on farming and fishing. Though historically overshadowed by The Salem Witch Trials of 1692, Salem became an important fishing, shipbuilding and maritime trade center of the 18th century. The Peabody Essex Museum was founded by sea captains in 1799, many of whom were involved with international trade with Europe, the West Indies, China, Africa and Russia. The museum represents art and culture from New England and around the world. Salem is home to the Friendship, a fascinating replica of a 1797 merchant tall ship. American novelist Nathaniel Hawthorne, known for great works including The Scarlet Letter, was born in Salem. Visitors may explore the Settlement of the House of the Seven Gables
Old Woodstock Inn Woodstock, VT
Friendship
Salem, MA
photo: Pilgrimsong
Joseph Reynolds House Bristol, MA
photo: Daniel Case
and his place of birth. History buffs may follow the Red Line along the sidewalks, past historic sites such as the Old Burying Point Cemetery. Morning Glory Bed & Breakfast offers comfort in a charming Georgian Federal Inn, circa 1808. Guests may relax on the third floor rooftop deck, offering pleasant water views and a taste of salty, ocean air. Visit the pea stone garden and enjoy quiet ambiance amidst plants, flowering trees, birdhouses and a lovely fountain. Then, explore nearby restaurants, shops and museums on foot to fill your days with fun. Affectionately nicknamed Little Rhody, the ocean state of Rhode Island is surrounded by beautiful coastlines and
features pretty towns with patriotic charm. Bristol, Rhode Island, celebrates the nickname “America’s Most Patriotic Town” by having the oldest continuously celebrated Independence Day festivities in America. The annual event is marked by a grand parade, concerts and a spectacular fireworks display. Bristol is home of the Joseph Reynolds House, a National Historic Landmark built in 1700, used as headquarters for Marquis de Lafayette during the Battle of Rhode Island. If you’re looking for a unique experience, enjoy a stay at the Country Inn at Mount Hope Farm (Governor Bradford House), stewarded by trust. The 1745 Georgian-style manor house is a well-maintained treasure which includes distinctive guestrooms and common areas furnished with antiques. The nearby North Pasture Guest House is a lovely 18th century post and beam cottage nestled in the meadow. The South Pasture Guest House was built in the 1930s and its recent renovation was inspired by beach glass from the seashore. You’ll covet a trip to this lovely and historic country estate and breathtaking surroundings. Outside the bustling Big Apple, it’s easy to discover peace and tranquility in New York’s Empire State. From ocean shores to high-peaked mountains, serenity is at your fingertips. Nestled amongst rolling hills of the beautiful Catskill Mountains, the village of Cooperstown, New York is largely unspoiled and offers plenty to do. Well known for its beloved Baseball Hall of Fame and Museum, this Upstate town is rich in culture, art and heritage. Enjoy searching for antiques, shopping and dining, and visiting art galleries. Check out the Fenimore Art Museum, one of the nation’s premier art institutions featuring American folk and Indian Art. During your visit to the town, sample some of the finest local wines and micro-brews bound to excite your taste buds. Discover overnight relaxation at The Barnwell Inn, a lovely Victorian yellow-painted bed and breakfast inn within walking distance of Cooperstown’s historic Main Street. Its richly themed interior coupled with timeless antiques adds to its charm. While in Cooperstown, visit the Farmers’ Museum, one of the oldest living history museums featuring farm exhibits and craft demonstrations. Be sure to enjoy the Glimmerglass Festival, an
internationally-acclaimed summer opera festival for a memorable evening at the Opera. The Garden State of New Jersey is home to many wonderful beach towns which dot the shore and draw visitors nationwide. You’ll love one of the country’s oldest vacation resort destinations,
Cape May Lighthouse Cape May, NJ
photo: Calzarette
Cape May, New Jersey, located at the southern tip of a peninsula where the Delaware Bay meets the Atlantic Ocean. This seaside village is steeped in Victorian charm. Here, one can envision a sea-captain’s wife atop a “widow’s watch” or roof-walk observing vessels at sea and waiting in vain for their beloved spouse’s safe return to port. Whether you’re attracted to the charming architecture, the warm coastal town atmosphere or the sandy beach of Cape May, you’ll fall in love. Amazing restaurants, charming shops and excitement by the sea, make folks return time and time again. Enjoy a stay at The Gingerbread House Bed & Breakfast, a lovely inn with beautiful woodwork, lace curtains and exquisite antiques. The beautiful front porch is ideal for summertime relaxation. Inside, enjoy classical music in the parlor and warm yourself by a crackling fire come wintertime. Since you’ll be within walking distance to the historic town, be sure to visit James’ Candy to enjoy Fralinger’s Salt Water Taffy, made the old-fashioned way and cherished for generations. Rumor has it that on the night of a full moon, lively surf sprayed salt-water upon a candy merchant’s taffy, resulting in the confectionary delight. True or not, the candy is delicious. Top your vacation with a romantic ride through town on a horse-drawn carriage ride and a visit to the Cape May Lighthouse which offers continued on pg. 42
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Travel
Quaint Villages of the Northeast stunning ocean views after climbing 199 steps. North of the city of Lancaster, in the Keystone State of Pennsylvania, is a pretty town with tree-lined streets and comfy homes. Lititz, Pennsylvania,
Lititz Spring Park Lititz, PA
is representative of America’s ideal hometown, boasting friendly neighborhoods, beautiful parks, and a warm photo: Doug Kerr Main Street vibe. Visitors are drawn to the festivities, including annual craft fairs, antique festivals, and Christmas tree lightings. Seek outdoor adventure in beautiful Lititz Springs Park, where bike riding and hiking are greatly enjoyed. Indoors, choose from a variety of shopping options, from delightful galleries to chic boutiques. Be sure to check out the Sturgis Pretzel House, the oldest commercial pretzel bakery in the United States. Intrigue surrounds this popular town attraction. Legend suggests the recipe was given to a bread baker named Julius Sturgis by a homeless man, in thanks for dinner. No matter how Sturgis got the recipe, it’s inarguably a fun place to go where guests may twist their own pretzels. Around town, you’ll appreciate a one-of-a-kind ambiance, where food lovers will find a mix of eateries, from retro-style cafes, old-fashioned ice cream parlors, urban sandwich shops, old-fashioned pubs, tearooms, and fine restaurants. If you’re looking for a comfortable place to stay, Swiss Woods Inn is ideal. Boasting a beautiful outdoor patio and sumptuous garden grounds, this rural cottage-style inn is a great place to discover nature
42 | www.amac.us
and find inner peace. Indoors, enjoy the European feel, from the beamed entry to the lovely hand-carved mantle over the fireplace. A stay here keeps in step with the town vibe, dripping with charm. Welcome to Vermont, the Green Mountain State, where you’ll find spectacular beauty every season of the year. Woodstock, Vermont is often called the prettiest small town in America. A treasure amidst pastoral farms, Woodstock retains great character, evident in its charming residential and town architecture. The country ambiance creates the perfect setting for antique shops and galleries where great craftsmanship is on display year-round. The town hosts many events, such as apple, wine, and arts & craft fairs, cook-offs, festivals and live entertainment. The meandering Ottauquechee River runs through the town. Trails which follow its path create scenic spots to hike and bike or simply take in the beauty. The fall season provides a foliage show of breathtaking caliber. Enjoy a wonderful stay at The Jackson House, a spacious and attractive inn located just outside the heart of the town of Woodstock. This 19th century Queen Anne Victorian sits on three lovely acres and offers the perfect vacation spot for romantics. Fresh flowers and wine await your arrival. In the morning, enjoy a mouthwatering breakfast before exploring the area. It’s especially helpful to have a car to get to and from attractions. Visit Billings Farm & Museum, an operating dairy farm and museum which shares Vermont’s rural heritage. See the authentically resorted 1890’s Farm House and learn about farm life via engaging exhibits. Check out Sugarbush Farm, a 550-acre hilltop family farmstead, where visitors are invited to sample delicious cheeses and maple syrups. Visit the perennial gardens at President Calvin Coolidge State Historic Site, in Plymouth Notch, VT. Here, you’ll enjoy exploring 16 modest structures at the birthplace of the 30th President of the United States, the only President to be born on the 4th of July. You’ll savor a trip to this beautiful region. Attracting visitors to The Constitution State of Connecticut is the lovely coastal New England town of Old Saybrook, Connecticut. Folks feel at home
continued from pg. 41
visiting the cozy downtown and enjoy shopping, dining and taking in shows at The Katharine Hepburn Cultural Arts Center. The renovated circa 1910 theatre, named for the Academy Award winning actress, offers comfortable show seating and unobstructed views of the stage. Your trip to town should include a visit to the Saybrook Country Barn, a must-see historic shop that was once a sea captain’s house. Originally featuring a Georgian-style porch and detailed federal interior, additions to the building allow for spacious showrooms, boutiques and an upscale restaurant. Seek vacation adventure aboard the Aunt Polly, a scenic cruise
Covered Bridge
Connecticut River
photo: Liz West
up the Connecticut River which runs under bridges and alongside marshlands towards historic Essex. Relax with a cocktail on a one-hour Lighthouse Cruise, a most enjoyable experience. Choose an unforgettable stay at the Saybrook Point Inn & Spa, just two hours from New York City. Here you’ll find gracious accommodations, dreamy rooms and luxurious spa accommodations. If the weather’s agreeable, dine outdoors on the Fresh Salt Terrace to enjoy your meal around the fire bar. Take an evening stroll with your sweetheart on the planks of Saybrook Point Marina to admire the lovely panoramic views of the exquisite Connecticut waterfront. Whether you explore any of the quaint and beautiful areas already mentioned, or discover some other part of the amazing American Northeast, you’ll be sure treasure every memorable adventure!
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AMAC on Capitol Hill
Demand Grows for AMAC’s Legislative Support on Capitol Hill AMAC has been diligent in acquainting members of Congress with our mission of faith, family and freedom on Capitol Hill. This mission is resonating with legislators and they have been eager to establish working relationships with AMAC.
T
he demand for AMAC’s support for legislation continues to increase during the first session of the 113th Congress. So far, AMAC has provided its support to a total of 14 Congressional and Senatorial offices in 2013. Here is a breakdown of the latest bills that have been endorsed: H.R. 903: Introduced by Rep. Charles Boustany (R-LA), H.R. 903 seeks to repeal the job-killing employer mandate that was instituted by the Patient Protection and Affordable Care Act. H.R. 2682: AMAC has received over 140,000 signed petitions from members calling for ObamaCare to be defunded. It is in response to these demands that AMAC is pleased to indicate our unwavering support for H.R. 2682 – the “Defund ObamaCare Act of 2013.” Introduced by Rep. Tom Graves (R-GA), H.R. 2682 deauthorizes future appropriations and withdraws prior funding for the implementation of any provision under the Patient Protection and Affordable Care Act. H.R. 2453: AMAC members may be interested in learning
by Andrew Mangione
more about a bipartisan bill brought to our attention by the office of Rep. Keith Rothfus (R-PA), entitled the “Medicare Beneficiary Preservation of Choice Act of 2013.” Jointly introduced by Reps. Rothfus and Kurt Schrader (D-OR), H.R. 2453 seeks to restore a degree of consumer choice for those attempting to find the best health care plan for their individual coverage needs. H.R. 2745: The “No Social Security for Illegal Immigrants Act of 2013.” Introduced by Rep. Dana Rohrabacher (R-CA), this significant piece of legislation addresses critical concerns regarding the future of Social Security. Amending Sections 210 and 211 of the Social Security Act, H.R. 2745 prohibits aliens not authorized to work in the U.S. from receiving Social Security benefits. H.R. 1473: The “Standard of Care Protection Act.” Introduced by Rep. Phil Gingrey, M.D. (R-GA), this bill ensures that medical malpractice lawsuits cannot be brought against health care providers based solely on the new standards and guidelines for care set forth by the Patient Protection and Affordable Care Act. H.R. 1473 reinforces the belief that important health care decisions should continue to be made by patients and their doctors – free from the threat of invasive new legal repercussions. H.R. 1502: The “Social Security Disability Insurance and Unemployment Benefits Double Dip Elimination Act of 2013.” Introduced by Rep. Sam Johnson (R-TX), Chairman of the House Ways and Means
Throughout all of this activity, AMAC remains a vigilant advocate for our members’ chosen issues. It’s AMAC members that set our agenda, and AMAC members’ passion and love for America that inspire us to tirelessly work on your behalf. We will not rest until the changes you seek have been accomplished.
Subcommittee on Social Security, H.R. 1502 is an important piece of legislation that seeks to responsibly reform current law, which enables an individual to receive Social Security disability insurance and unemployment benefits at the same time. At a time when real solutions are needed to make Social Security solvent, many lawmakers recognize that double-dipping in entitlement benefits must end in order to preserve funds for rightful beneficiaries. H.R. 1404: This legislation seeks to repeal the expansion of Medicaid mandated by the Patient Protection and Affordable Care Act. The “Medicaid Expansion Repeal and State Flexibility Act,” introduced by Rep. Matt Salmon continued on pg. 47
www.amac.us | 45
Chicago Doctor Invents
Affordable Hearing Aid Amazing new digital hearing aid breaks price barrier in affordability
Reported by J. Page Chicago: Board-certified physician Dr. S. Cherukuri has done it once again with his newest invention of a medical grade ALL DIGITAL affordable hearing aid. This new digital hearing aid is packed with all the features of $3,000 competitors at a mere fraction of the cost. Now, most people with hearing loss are able to enjoy crystal clear, natural sound—in a crowd, on the phone, in the wind—without suffering through “whistling” and annoying background noise.
New Digital Hearing Aid Outperforms the Expensive Ones
This sleek, lightweight, fully programmed hearing aid is the outgrowth of the digital revolution that is changing our world. While demand for “all things digital” caused most prices to plunge (consider DVD players and computers, which originally sold for upwards of $3,000 and today can be purchased for less then $100), yet the cost of all digital medical hearing aids remained out of reach. Dr. Cherukuri knew that many of his patients would benefit but couldn’t afford the expense of these new digital hearing aids, which are generally not covered by Medicare and most private health insurance.
He evaluated all the high priced digital hearing aids on the market, broke them down to their base components, and then created his own affordable version—called the AIR for its virtually invisible, lightweight appearance.
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Can a hearing aid delay or prevent dementia? A study by Johns Hopkins and National Institute on Aging researchers suggests older individuals with hearing loss are significantly more likely to develop dementia over time than those who retain their hearing. They suggest that an intervention—such as a hearing aid—could delay or prevent dementia by improving hearing!
“Satisfied Buyers Agree AIR Is Best Digital Value” “I am hearing things I didn’t know I was missing. Really amazing. I’m wearing them all the time” —Linda Irving, Indiana “Almost work too well. I am a teacher and hearing much better now” —Lillian Barden, California “I have used many expensive hearing aids, some over $5,000. The Airs have greatly improved my enjoyment of life” —Som Y., Michigan “I would definitely recommend them to my patients with hearing loss” —Amy S., Audiologist, Munster, Indiana
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AMAC on Capitol Hill
Demand Grows for AMAC’s Legislative Support on Capitol Hill continued from pg. 45
(R-AZ), justly amends title XIX of the Social Security Act “to eliminate the increased medical Federal assistance percentage under the State plan with respect to the newly eligible mandatory individuals and to provide states with greater flexibility under Medicaid.” H.R. 763: This bill seeks to repeal the annual fee on health insurance providers enacted by the Patient Protection and Affordable Care Act. AMAC personally delivered a letter of support to the office of Representative Charles Boustany (R-LA), commending his effort to address a crucial change necessary to unburden the public – particularly mature Americans and seniors – from a harmful tax that will force insurers to raise prices on health care premiums. AMAC also continues to connect with other like-minded conservative organizations in Washington, DC. On a recent trip to the nation’s capital, Vice President of Government Relations, Andrew Mangione, delivered a powerful presentation to 150 elected officials, political activists, and movement leaders during the Americans for Tax Reform’s “Wednesday meeting.” This weekly gathering – moderated by prominent conservative figure, Grover Norquist – gives individuals and organizations a chance to brief attendees on the strides being made to promote free market, center-right principles across the country. Individuals in the audience were very pleased to learn that a fast-growing alternative organization representing seniors exists and is serious about advocating faithfully on behalf of that important demographic. At the end of Mr. Mangione’s presentation, numerous hands filled the air with questions pertaining to how AMAC members are solicited and engaged in what the organization is doing on a daily basis. Mr. Mangione shared about the gains being made at the state and local levels through the AMAC Delegate Program as well as how AMAC has been able to positively differentiate itself from other seniors’ organizations through advocacy at the Federal level. Support for AMAC’s Social Security plan continues to grow. The National Center for Policy Analysis (NCPA) reviewed AMAC’s plan and agrees with the approach taken to establish solvency for this important benefit. NCPA Senior Fellow, Pam Villarreal, finds AMAC’s plan “designed to preserve basic benefits for all while making cost of living adjustments that commensurate with the income of beneficiaries. This helps preserve the program for those who rely heavily on Social Security.” Ms. Villarreal also favors AMAC’s companion to Social Security, the Early Retirement Account, as a much needed savings mechanism “that helps retirees of all income levels accrue additional savings for their retirement years.” AMAC is now actively seeking Congressional sponsors to introduce the plan as a bill in their respective chambers of Congress. Throughout all of this activity, AMAC remains a vigilant advocate for our members’ chosen issues. It’s AMAC members that set our agenda, and AMAC members’ passion and love for America that inspire us to tirelessly work on your behalf. We will not rest until the changes you seek have been accomplished.
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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
www.amac.us | 49
Member Benefits Directory
O
ne of the many advantages of AMAC membership is being able to save money on a vast array of products and services. Listed below are AMAC Member Benefits - travel, consumer products, insurance and financial services - AMAC has joined with the companies on these pages to provide significant discounts just for our members.
Health, Insurance & Financial › AMAC Medicare/Healthcare Insurance: 1-800-334-9330 Medicare Supplemental coverage for those enrolled in Medicare A&B. Turning 65? Call AMAC Senior Resources Network to find out your options. Medicare Advantage Plans and Medicare Prescription Drug Plans available. › AMAC Health Insurance Plans 50-64: 888-623-9595 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 Guaranteed Acceptance Whole Life Insurance: 1-866-212-1985 Up to $25,000 coverage is available to you and your spouse. For ages 45-85. No physical exams or health questions to answer. Benefits that are never reduced because of age or health. › AMAC Life Insurance: 888-550-2622 Help protect your family with affordable coverage. › AMAC Dental Plans: 888-550-2622 Get coverage for the most common dental procedures. You have the ability to choose your own dentist or work with a dental network. › RoseMark Advisors, Inc. Financial Services: 888-730-6565 AMAC’s financial services benefit. Everyone’s financial situation is unique. Rosemark has been built to design powerful strategies to promote financial security for our members and their families. › Liberty Home Equity Solutions Inc. - Reverse Mortgage 888-568-5678
HOME & AUTO › AMAC Auto & Home Insurance Program from Travelers: 1-866-709-9713 Save money on your automobile and homeowners insurance through Travelers Insurance Company.
Car Rentals Please Note Special Discount Codes › Budget:1-800-527-0700 Discount Code: #u081800 › Hertz: 1-800-CarGold Discount Code: #1860452 - PIN: bapgold › Avis: 1-800-230-4898 Discount Code: #g833700
Hotels/Motels Please Note Special Discount Codes › Red Roof Inn: 1-800-RedRoof Discount Code: #602805 › Motel 6: 1-800-4Motel6 Discount Code: #cp545906 › Choice Hotels: 1-800-4Choice Discount Code: #Senior Rate (60+ only) › Wyndham Hotel Group: 1-877-670-7088 Discount Code: #60093
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MATURE DRIVER COURSE › Mature Driver Course: www.amac.us If you’re over 55 and have a valid driver’s license, you may save money on your car insurance just by taking an online accident prevention course.
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
A Shell Game I grew up in the small Long Island town of Blue Point which has famously given its name to the exceptionally fine, sweet, briny oysters which were first discovered in the waters of the Great South Bay.
L
iving on an island whose surrounding waters yield multitudes of oysters, clams, crabs and scallops has fostered my love for a variety of shellfish, and I am not alone. During the past 30 years, shellfish has become more and more popular with a growing abundance of available choices. Today squid, crawfish, octopus and other varieties of shellfish that were once considered ethnic or exotic are as common as shrimp and clams on menus and in local markets. Shellfish may seem difficult to prepare, but the opposite is true. Shellfish are easy to cook, rich in minerals and bursting with fresh from the sea flavor. ■ Shellfish is a broad term for crustacean and mollusk seafood. Crustaceans include lobster, crab, shrimp and crawfish. Mollusks include clams, mussels, oysters and scallops. ■ When it comes to shellfish, freshness is key. All shellfish should have the
by Kathie Rafferty
52 | www.amac.us
■
■
■
■
fresh and mild odor of a sea breeze. Purchase shellfish on the day you plan to use it and refrigerate as soon as possible. Unless you live close to where shrimp are harvested, the freshest ones will be frozen. Thaw shrimp under cold running water, not in the microwave which will begin to cook the shrimp as it defrosts. To remove shrimp shells, start by pulling off the legs. Then grasp the shell from the underside and peel outward and around to the other side. Leave or remove the tail as desired. To devein shelled shrimp, make a gentle incision down the length of the back with a sharp knife. Run under cool water to flush out the vein. To devein shrimp with the shell on, straighten the shrimp as much as possible, grab the exposed end of the vein with a flat-edged tweezers, and pull gently. Raw shrimp turn pink and firm when ready. If serving cold, emerge shrimp in ice water immediately to stop cooking.
■ Before cooking clams, oysters and mussels, tap the shells and discard any that do not close, along with those that are cracked or broken. After cooking, the shells should open wide. Discard any that remain closed. ■ Store clams, oysters, mussels and thawed shrimp in the refrigerator in an open plastic bag placed in a large bowl or pan filled with ice. ■ Generally, there are two types of scallops: Bay scallops are smaller. Sea scallops are larger. Both are sweet and mild flavored.
Kathie’s Kitchen
■ Most scallops are sold shucked from the shell and are either “dry-packed” or “wet-packed”. If you have a choice, choose dry-packed. Wet-packed scallops are soaked in a chemical solution that turns them white and helps them stay fresher longer. The wet-packed scallops release a lot of liquid during the cooking process, and aren’t as tasty as the dry-packed ones. ■ Scallops turn milky white and firm when cooked thoroughly.
Hungry yet? See page 54 for delicious, easy-to-make shellfish recipes
continued on pg. 54
www.amac.us | 53
Kathie’s Kitchen
A Shell Game continued from pg. 53
■ Crabs and lobsters spoil rapidly after death, so purchase those that are alive and active. ■ Store live lobsters and crabs in the refrigerator in a damp paper bag placed in a large roasting pan lined with wet newspaper. ■ Boiled lobster will turn bright red and the tails will be curled when they are done. ■ The most important thing to remember when cooking shellfish is – do not overcook. It becomes tough, rubbery and dry.
Steamed Mussels ❏ 3 ½ - 4 lbs. mussels ❏ 2 Tbs. olive oil ❏ 1 Tbs. butter ❏ 6 cloves garlic – finely chopped ❏ 4 shallots – thinly sliced ❏ ¼ tsp. red pepper flakes ❏ 1 ½ cups dry white wine ❏ ¾ cup chopped fresh Italian parsley Rinse mussels under cold water, removing any “beards” (black hairy fibers sticking out of the shells) and discarding any that are broken or dead. In a large pot with a lid, heat oil and butter over medium heat. Add garlic, shallots and red pepper flakes. Cook until soft – 3 to 5 minutes. Add mussels, wine and half of parsley. Increase heat to high and cook covered for 2 minutes. Stir mussels. Cover and cook an additional 3 to 4 minutes or until mussels have opened wide. Sprinkle with remaining parsley. Serves 6 – 8.
Clams Casino ❏ 4 slices bacon ❏ 24 large clams ❏ 4 Tbs. olive oil ❏ 1 Tbs. butter ❏ ½ cup minced onion ❏ ¼ cup chopped green bell pepper ❏ 2 cloves garlic – minced ❏ 1 cup dried bread crumbs ❏ ½ tsp. dried oregano ❏ 2 Tbs. parmesan cheese ❏ 2 tsp. dried parsley ❏ ¼ tsp. paprika Cook bacon in a small skillet until crisp. Crumble and set aside. Preheat oven to 350 degrees. Wash clams. Place on a cookie sheet and bake for 1 to 2 minutes or until clams open. Remove meat from shells. Chop and set aside. Increase oven temperature to 450 degrees. Melt 2 Tbs. of olive oil and butter over medium heat. Add onion, green pepper and garlic. Sauté until tender. In a medium bowl, combine bread crumbs, oregano, parmesan cheese, crumbled bacon, chopped clams and sautéed vegetables. Fill clam shells with mixture. Sprinkle with parsley, paprika and remaining 2 Tbs. olive oil. Place on cookie sheet and bake at 450 degrees for 7 minutes. Serves 4.
Shrimp & Pasta in Champagne Sauce New England Lobster Roll ❏ 2 Tbs. mayonnaise ❏ 1 tsp. fresh lime juice ❏ Dash tabasco sauce ❏ 2 scallions – chopped ❏ 1 stalk celery – finely chopped ❏ 1 ½ lbs. lobster meat – cubed ❏ salt & pepper ❏ 4 split-top hot dog buns ❏ ¼ cup of butter - softened ❏ 4 lettuce leaves
❏ 4 Tbs. butter ❏ 4 Tbs. chopped shallots ❏ 1 cup bottled clam juice ❏ 1 cup heavy cream ❏ 1 cup Champagne ❏ 1 lb. large shrimp, peeled and deveined ❏ ½ tsp. pepper ❏ 8 oz. fettuccine noodles ❏ 2 Tbs. chopped fresh parsley
Combine mayonnaise, lime juice, tabasco, green onion and celery. Gently fold in lobster. Add salt and pepper to taste.
Melt butter over medium-high heat. Add shallots and sauté 2 minutes. Add clam juice. Increase heat to high and simmer until liquid is reduced by half – about 5 minutes. Add cream and champagne. Cook until thickened – 3 to 5 minutes more. Add shrimp and cook for 2 minutes or until shrimp turn pink. Stir in pepper.
Spread butter on the flat sides of the hot dog buns. Toast buns in a skillet over medium heat until golden brown. Place a lettuce leaf inside each bun and fill with lobster salad. Serves 4.
Meanwhile, cook fettuccine according to package directions. Drain. Toss with champagne sauce. Arrange on a platter and sprinkle with parsley. Serves 4.
54 | www.amac.us
Breakthrough technology converts phone calls to captions.
New amplified phone lets you hear AND see the conversation. The Captioning Telephone converts phone conversations to easy-to-read captions for individuals with hearing loss
Hello mrs fleming this is dr martin how are you today? I just want ed to give you an update on your new prescript ion
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Do you get discouraged when you hear your telephone ring? Do you avoid using your phone because hearing difficulties make it hard to understand the person on the other end of the line? For many Americans the telephone conversation – once an important part of everyday life – has become a thing of the past. Because they can’t understand what is said to “For years I avoided phone calls because Finally… a phone you can use again. them on the phone, they’re often The Captioning Telephone is also I couldn’t understand the caller… cut off from friends, family, packed with features to help make now I don’t miss a thing!” doctors and caregivers. Now, phone calls easier. The keypad has thanks to innovative technology large, easy to use buttons. You get adjustable volume there is finally a better way. amplification along with the ability to save captions for review later. It even has an answering machine that provides you with the captions of each message. See for yourself with our exclusive home trial. Try the Captioning Telephone in your own home and if you are not completely amazed, simply return it within 30-days for a refund of the product purchase price.
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A simple idea… made possible with sophisticated technology. If you have trouble understanding a call, the Captioning Telephone can change your life. During a phone call the words spoken to you appear on the phone’s screen – similar to closed captioning on TV. So when you make or receive a call, the words spoken to you are not only amplified by the phone, but scroll across the phone so you can listen while reading everything that’s said to you. The captioning function can be turned on as needed. Each call is routed through a call center, where computer technology – aided by a live representative – generates immediate voice-to-text translations. The captioning is real-time, accurate and readable. Your conversation is private and the captioning service doesn’t cost you a penny – all you need is a high-speed Internet connection from any Internet provider and a standard phone line. Callers do not need special equipment or a captioning phone in order to speak with you.
The Captioning Telephone is intended for use by people with hearing loss. In purchasing a Captioning Telephone, you acknowledge that it will be used by someone who cannot hear well over a traditional phone.
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The SOUNDWAVE is so small and light weight that when worn its invisible. With the greatest of ease you can turn the volume control down to cheer with the crowd at a sporting event, and turn it back up for the car ride home - no matter where your adventures take you, you are in control. With a full 28 hour charge life, you can recharge the patented power tip at your convenience and rest assured your SOUNDWAVE will always deliver clear crisp sound. Multiple tube and tip sizes are provided for proper personal fitting while leaving the ear canal open.
The Neutronic Ear SOUNDWAVE provides the performance, savings and convenience, unmatched in the conventional hearing aid industry. And don't waste your money on cheap low quality imitators. SOUNDWAVE is delivered discreetly to your door, ready to use right out of the box. This eliminates the need to see a hearing specialist, have hearing tests and numerous fitting appointments.
It works… but don’t take our word for it. Why pay thousands to make everything sound louder when all you really need is Personal Sound Amplification? We’re so sure you’ll be absolutely thrilled with the quality and effectiveness of your SOUNDWAVE, that we are offering it to the public at a LOW introductory price with our exclusive in-home offer. If, for any reason, you are not amazed by how this product improves your life, simply return it for a refund within 30 days.
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Patriot’s Corner
Let's Take America Back! One nation, under God, with liberty and justice for all!
T
he hands of time roll on and no one has the power to turn them back. But, oh, if we could only turn back the direction of our country and restore what it used to be. When you think about where we were and where we need to return, the entire alphabet leaps out at you: We need to go back to the moral
Let’s return to Let’s go back to the traditional And let’s go back to the idea of and restore the quaint notions of
Let’s go all the way back to the old Back to a little
And let’s go all the way back to Which leads us back to one nation
Let’s take American back before Let’s go back to the country of our
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Absolutes given to us by the Bread of Life. Back to Character and Decency in the home! Economic responsibility that spends no more than it has. Family where couples were committed to God and to each other. Gainful employment instead of demanding endless entitlements Honesty, Integrity, and Justice for all, not to mention Kindness, Law and order, Modesty and morality. And while we’re at it, let’s start being Neighbors and neighborly once again. Let’s start raising Obedient children who respect parents, police and teachers. Paths that brought us so much peace and prosperity. Quiet with the television turned off. Back to Repentance for sin and being Sorry for what we’ve done rather than sorry that we got caught. Truth and the freedom that comes to those who tell it. Under God and the Values that have stood the test of time which we learned from the Word of God as it’s declared from the pulpit. X-rated movies, when every film was fit for families to see. Youth and restore the Zest for living we had, rather than the despair of Columbine. Let’s take America back to where it used to be and where it ought to be and where it has to be if we’re going to survive. Let’s take America back for God before it’s too late.
www.amac.us | 57
Finally… an adult brief that keeps you dry all night! NEW!
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Night Proofs™ Briefs are virtually leakproof, comfortable and one of the most absorbent on the market today.
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t’s a problem no one likes to talk about, but over 25 million Americans suffer from urinary incontinence. For those people, the problem is embarrassing, uncomfortable and can lead to a variety of other health issues. Without resorting to medication, most people choose to wear an adult diaper. These products have been on the market for years, but because most are sold to hospitals, where frequent changing is not an issue, the quality, comfort and absorbancy have not really improved. Now, an innovative company has revolutionized the adult diaper brief. The Night Proofs™ Briefs offer up to 12-hour protection against leaks, odor, and skin irritation. Just think of the convenience of going to bed without having to get up during the night to change– or waking up to a soaked bed. Now, thanks to superior design and high-quality materials, you or someone you love, can get the benefits of this amazing new adult diaper. What’s more, because they are designed to last for up to 12 hours with virtually no leaks, you’ll save on product cost and laundry. Building a better brief. The secret behind this remarkable product is the lining. It’s made of ultra-absorbent material that can hold three times the fluid of a typical diaper without leaking. The special composition wicks away the liquid, so the surface touching the skin remains dry. The elastic leg cuffs are comfortable and this will ensure that the liquid ends up in the brief, not on your bed. The briefs feature refastenable tape and an exclusive wetness indicator that tells you just how wet they are without removal.
The
Why take our word for it? Take your present diaper and pour 7 full 12-ounce glasses of water into it. You might want to do this in the sink, because a lot of the water will leak out. If you do the same thing with the Night Proofs™ Briefs, the water will be fully absorbed, and the surface of the lining will remain dry. You’ll be amazed at the difference. The Night Proofs™ Briefs are easy to put on, comfortable and are designed to provide you with up to 12 hours of protection. They are even designed to mask odor, so no one will know you have them on but you.
Why spend another night without them? Call now to take advantage of our introductory offer. Helpful product experts are standing by for your call. The Night Proofs™ Briefs are not available in stores, and you won’t have to risk running into one of your former high school classmates with adult brief that holds a shopping cart full of adult diapers. They come in three sizes, including x-large for up to a 67-inch waist, over 104.8 ounces! so they’ll fit perfectly. Don’t hesitate, call today!
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Manufacturer’s Recall Just Announced
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Today’s workers are not getting the straight story. They’re being told: Free Enterprise and Capitalism are BAD! Socialism and Big Government will save the day! We must educate the voters!
Promote Your Business Become an AMAC Merchant Member
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s advocates for free enterprise and small business owners, the Association of Mature American Citizens has developed a local discount program that brings AMAC members and their hometown businesses together. It’s a unique opportunity not only for local businesses to showcase special offers and discounts on products and services to loyal AMAC members, but also for AMAC members to support their Main Street businesses.
Over 700,000 members strong to learn more or to submit an application online go to:
amac.us
The “Good Sense News” is designed to help you reverse this trend. A subscription to this twice-amonth newsletter will help educate your employees to the obstacles business owners face in today’s economy, and will help show you care by giving them informative editorials along with a variety of enjoyable articles about sports, health, travel, finance, and inspirational topics. You’ve built your business—now take action to help your employees better understand what you’re facing now and in the years ahead. The cost is only 50 cents per newsletter issue (plus postage), so for a monthly fee of $1 per employee, it’s a small price to pay to bring this valuable information into your workplace. Satisfaction Guaranteed Try Good Sense News for 90 days and if you are not satisfied, we will issue a full refund.
To order your subscription and view sample newsletters please visit www.GoodSenseNews.com 1.888.643.8585
Good Sense News is an affiliate of AMAC, the Association of Mature American Citizens
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Just for
Fun Crossword ACROSS
1 5 9 13 14 16 17 18 19 20 22 24 26 27 30 33 35 37 38 41 42 45 48 51 52
Close Historical periods Association Bluefin Bushbaby Sharpen The products of human creativity 10th Greek letter Quaint outburst Tumbler Ample Jump Grain disease Latticework Harangue Famous genius Verse Astern Velocity A long continuous strip Napped Stretch Invented the light bulb Student Of the cheekbone
54 Whirl 55 Received from a predecessor 59 Grin 62 University administrator 63 Worth 65 Corrosive 66 Gave temporarily 67 Make into law 68 Concern 69 Cocoyam 70 Kid 71 Distinctive flair DOWN
1 2 3 4 5 6 7 8 9
Male deer Throw Not gifted Braided cords Antlered animal Harvest Enough Surpassingly good Long-legged spotted cat 10 Corporate image 11 Two-toed sloth 12 What we sleep on
15 21 23 25 27 28 29 31 32 34
Cooktop Sodium chloride Unit of pressure Desserts Orange pekoe A shoulder firearm Take in slowly Despotic Overact Born as
Puzzle Solutions on pg. 65
Sudoko How To Play:
Pitcher L Accomplishes Salad pepper Russian emperor Short sleeps Contorted facial expression 49 Drink garnish 50 Floating in water
53 Pass-the-baton race 55 Doing nothing 56 Require 57 Paw 58 Dodge 60 Former Italian currency 61 Biblical garden 64 French for “Summer”
Joke of the Month Only in America... ■ Can a pizza get to your house faster than an ambulance. ■ Are there handicap parking places in front of a skating rink. ■ Do drugstores make the sick walk all the way to the back of the store to
•
Fill in the empty fields with the numbers from 1 through 9
•
Every row must contain the numbers from 1 through 9
•
Every column must contain the numbers from 1 through 9
■ ■
•
Every 3x3 square must contain the numbers from 1 through 9
■
62 | www.amac.us
36 39 40 43 44 46 47
■ ■ ■ ■
get their prescriptions while healthy people can buy cigarettes at the front. Do people order double cheese burgers, large fries, and a diet Coke. Do banks leave both doors to the vault open and then chain the pens to the counters. Do we leave cars worth thousands of dollars in the driveway and put our useless junk in the garage. Do we use answering machines to screen calls and then have call waiting so we won’t miss a call from someone we didn’t want to talk to in the first place. Do we buy hot dogs in packages of ten and buns in packages of eight. Do we use the word ‘politics’ to describe the process so well: Poli’ in Latin meaning ‘many’ and ‘tics’ meaning ‘bloodsucking creatures’. Do they have drive-up ATM machines with Braille lettering.Submitted by AMAC Member Jeff Reynolds, Dayton, OH
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!
Government Watch
Maintain your independence with hearing help from Beltone!
In ? We Trust How hard is it to lose $30,000 in government funding? Invoke God's name and find out! Louisiana Sheriff Julian Whittington had done so for 10 years as part of his local Young Marine's initiative. The only complaint he's ever received is from the U.S. Justice Department which unfortunately happened to be funding the project. Not anymore. The DOJ pulled its annual grant for uniforms and supplies when the Bossier Sheriff refused to remove "God" from the Young Marine's oath. "They wanted a letter from me stating that I would no longer have voluntary prayer and I would also have to remove "God" from the Young Marine's oath," the Sheriff fumed." I flat said, 'It's not going to happen. Enough is enough. This is the United States of America -and the idea that the mere mention of God or voluntary prayer is prohibited is ridiculous."
Taking the Military at Faith Value There may not be a lot of atheists in foxholes, but there certainly are a lot of quiet Christians these days. Under an administration that views religion as more of a liability than an asset, more of our troops are taking the "Don't Ask, Don't Tell" approach to faith. The climate of intimidation that began in the Air Force is bleeding over into every branch, leading even military chaplains to wonder about their security in referencing a Bible that some airmen aren't even allowed to leave on their desks. In a Pentagon where evangelical Christians are viewed by some as "extremists," the pressure to impose a secular culture on our nation's military has intensified enormously during President Obama's time as commander-in-chief.
By Fido your government watchdog
Beltone has been manufacturing hearing instruments in America for over 70 years!
Special AMAC Hearing Care Discount Program Simply show your AMAC membership card
Government Waste ■
■
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■
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Approximately $1 million of U.S. taxpayer money has been used to create poetry for the Little Rock, New Orleans, Milwaukee and Chicago zoos. The goal of the “poetry” is to help raise awareness on environmental issues. During 2012, the federal government spent $15 million to help Russian weapons institutes recruit nuclear scientists. Over the past 15 years, a total of approximately $5.25 million has been spent on hair care services for the U.S. Senate. The National Institutes of Health recently gave $666,905 to a group of researchers that is conducting a study on the benefits of watching reruns on television. The Government Accountability Office said that from 2008 to 2012 one agency, the Natural Resources Conservation Service, made $10.6 million payments on behalf of more than 1,100 people who’d been dead at least a year. Another branch, the Risk Management Agency, paid out $22 million to more than 3,400 policyholders who’d been dead at least two years.
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AMAC at work for you
AMAC in Action Find out how AMAC is standing up for you, every day
AMAC New Mexico Office Opening!
AMAC Delivers 114,701 Defund ObamaCare Petitions to Speaker Boehner At 5:00 am Memorial Day, George Spangler and Smokey Wist, both from the AMAC Florida office, loaded 114,701 petitions to defund ObamaCare into a van and headed north to Speaker Boehner’s local office in West Chester, Ohio. Along the way they were greeted by a steady stream of hands coming out of car windows with thumbs up from fellow travelers. At each fuel stop, food stop and hotel stop folks voiced their support for AMAC’s message of defunding ObamaCare. Speaker Boehner’s staff was extremely appreciative of the support from AMAC’s membership. AMAC Delegate Rita Fullerton (OH-8) joined us in presenting the petitions to Speaker Boehner’s Field Representative, Erin Clemons. AMAC is dedicated to the good fight … we can win this thing!
We are pleased to announce the opening of our newest AMAC location in Albuquerque, New Mexico. This is an exciting step forward in the progression and growth of our organization. Our new location will continue to improve our ability to better serve our AMAC members and friends across the country and provide even broader coverage to the AMAC community from coast to coast.
The Social Security Report Website Launched Last month, AMAC announced the availability of a new website focused exclusively on Social Security and its many issues. AMAC’s Social Security Report website (www.socialsecurityreport.org) is a resource for anyone interested in the state of our country’s Social Security program, and includes these features: ■ Daily updates on major breaking news and legislative developments affecting Social Security ■ Quotes and comments on Social Security policy ■ Questions and answers relevant to topics of interest to the public ■ An archive of documents on key Social Security issues ■ AMAC’s proposal for prototype Social Security legislation The site’s tagline—“Your Daily Resource”—reflects its objective of being a “go to” place for Congressional Aides and their Senators and Representatives, along with the general public, to stay abreast of developments and projections on Social Security and its related programs.
AMAC is Forming a Charitable Foundation The Association of Mature American Citizens (AMAC) is taking a great step forward with the formation of the AMAC Foundation. Since receiving Internal Revenue Service approval in early July as a tax exempt non-profit [501 (c) (3)] organization, AMAC has been developing an internal framework that will pave the way for the Foundation to expand AMAC’s goal of broadening senior citizens’ understanding of the complexities of the Social Security System in America. Initial steps in the Foundation’s start-up will focus on defining a comprehensive and realistic vision for the organization, along with developing a targeted mission to achieve its goals. Recruiting of a body of steadfast Board Members will be one of the very first steps in this process. Stay tuned for announcements on AMAC’s website (www.amac.us) as this exciting venture unfolds. Launching the Foundation is viewed as a priority for us, and we look forward to its contribution to AMAC’s general mission of keeping America strong.
www.amac.us
List of
Did You Know? George Washington When George Washington won the election to become the first President of the United States, he had no way of getting to his inauguration. Lacking funds, he borrowed $600 from a neighbor to relocate to New York, the center of American government of the time. This modest President gave a short speech dressed in a plain brown suit. He had only one tooth at the time, leading some to speculate that his painful dentures forced him to keep his words brief.
Alzheimers Delaying your retirement can improve your odds of avoiding Alzheimer’s disease in your later years. A study conducted by the French government found that each year you delay retirement can reduce dementia risk by more than 3%. The study revealed that a worker retiring at age 65 had a 15% lower risk of dementia compared to a worker retiring at age 60. Alzheimer’s disease is recognized as the sixth leading cause of death in the U.S. While the Alzheimer’s Association
Puzzle Solutions puzzles on pg. 62
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Purses are indispensable for most women, and go with them from the car to the office to the bathroom to the grocery store and everywhere in between. After testing swabs of women's purses, a microbiologist from the University of Arizona found at least some bacteria on every purse and most purses had tens of thousands of bacteria. The worst area of the purses turned out to be, as you might suspect, the bottom. To keep your purse as germ-free as possible: •Wipe it down with ultra-microfiber terry cloths. These cloths have built-in antimicrobial protection and are made of fibers that pick up contaminants that cannot be seen with the naked eye! •Have your purse dry-cleaned occasionally. •Don't put your purse on the floor. Hang it on the back of your chair in a restaurant, use the hooks provided in restrooms and stash it in a desk drawer at work.
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reports that it’s the only cause of death among the top 10 in America without a known prevention, they do suggest steps you can take to reduce your risk: (1) Stay active; (2) Stay socially connected; (3) Eat right; and (4) Do mentally challenging activities to stimulate thinking skills.
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Encore
61
FC&A - Your Body Can Heal Itself
24
First Fidelity Reserve
61 & 68
Go Little Guy Trailers
61
Good Sense Newsletter
60
Great Courses
16
Harbor Freight Tools
66
Historic Hendersonville
60
ING
21
Jacuzzi Walk In Hot Tub
22
James Direct Hydrogen Peroxide
44
Jitterbug Cell Phone
10
Key Dental Plan
47
Lifeline Auto Alert
43
Lifestyle Lift
14
Lighted Full Page Magnifier
18
MD Hearing Aid
46
Neutronic Ear Soundwave
56
Night Proofs Briefs
58
Paul Frederick Shirts
28
Perfect Choice HD Hearing
32
Personal Television Listening System
18
Pringle Homes
13 & 61
Stauer Necklace
26
Stauer Watch
30
Talking Atomic Watch
18
Theratub
13
Thompson Cigar Travelers Insurance
49 2 & 67
TV Ears
38
Wedge Radio
48
Weitz & Lutzenberg, P.C.
59
WOW Computer
36
YMT Vacations
7
www.amac.us | 65
HARBOR FREIGHT TOOLS Quality Tools at Ridiculously Low Prices FACTORY DIRECT TO YOU!
How do we sell high quality tools at the lowest prices? We cut out the middle man and buy direct from the factories who supply other major brands. It’s just that simple! Come see for yourself and use this 20% Off Coupon on one of our 7,000 products*, plus pick up a Free 1" x 25 Ft. Tape Measure, a $5.99 value. We stock Automotive Tools, Power Tools, Air Tools and Compressors, Engines and Generators, Welders, Hand Tools, Tool Storage, Tarps and much more. • • • • •
1 Year Low Price Guarantee! No Hassle Return Policy! 100% Satisfaction Guaranteed! Over 25 Million Satisfied Customers! 430+ Stores Nationwide!
FREE!
R ! PE ON SU UP CO
WITH ANY PURCHASE
Item 47737 shown
1" x 25 FT. TAPE MEASURE ITEM 47737/69080/ 69030/69031
REG. PRICE $5.99 LIMIT 1 - Cannot be used with other discount, coupon or prior purchase. Coupon good at our stores or HarborFreight.com or by calling 800-423-2567. Offer good while supplies last. Shipping & Handling charges may apply if not picked up in-store. Non-transferable. Original coupon must be presented. Valid through 12/28/13. Limit one coupon per customer per day.
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12" RATCHET BAR CLAMP/SPREADER
LOT NO. 95659/ 61634
580 LB. CAPACITY FOUR DRAWER TOOL CART SAVE
$160 $
REG. PRICE $259.99
Item 95659 shown
LIMIT 3 - Good at our stores or HarborFreight.com or by calling 800-423-2567. Cannot be used with other discount or coupon or prior purchases after 30 days from original purchase with original receipt. Offer good while supplies last. Non-transferable. Original coupon must be presented. Valid through 12/28/13. Limit one coupon per customer per day.
8 FT. 4" x 11 FT. 6" FARM QUALITY TARP
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SAVE $ 99 41%
6
Item 2707 shown LIMIT 7 - Good at our stores or HarborFreight.com or by calling 800-423-2567. Cannot be used with other discount or coupon or prior purchases after 30 days from original purchase with original receipt. Offer good while supplies last. Non-transferable. Original coupon must be presented. Valid through 12/28/13. Limit one coupon per customer per day.
SAVE $70
2.5 HP, 21 GALLON, 125 PSI VERTICAL AIR COMPRESSOR
$
14999
REG. PRICE $219.99
Item 69684 shown
SAVE $176
SAVE 54% $
Item 68239 shown
33 OZ. Item 60446 shown
$
123
99
REG. PRICE $299.99
LIMIT 4 - Good at our stores or HarborFreight.com or by calling 800-423-2567. Cannot be used with other discount or coupon or prior purchases after 30 days from original purchase with original receipt. Offer good while supplies last. Non-transferable. Original coupon must be presented. Valid through 12/28/13. Limit one coupon per customer per day.
4-1/2" ANGLE GRINDER
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1599
SAVE $ 99 PRICE REG. $19.99 50%
9
Item 44649 shown
SAVE 50%
$
LOT NO. 47274/60446
14
99
REG. PRICE $24.99
LIMIT 4 - Good at our stores or HarborFreight.com or by calling 800-423-2567. Cannot be used with other discount or coupon or prior purchases after 30 days from original purchase with original receipt. Offer good while supplies last. Non-transferable. Original coupon must be presented. Valid through 12/28/13. Limit one coupon per customer per day.
• Stainless steel with copper finish
OFF ANY SINGLE ITEM!
LIMIT 1 - Save 20% on any one item purchased at our stores or HarborFreight.com or by calling 800-423-2567. *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-transferable. Original coupon must be presented. Valid through 12/28/13. Limit one coupon per customer per day.
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1000 LB. CAPACITY
LOT NO. 93888/60497
39
99
7
LIMIT 5 - Good at our stores or HarborFreight.com or by calling 800-423-2567. Cannot be used with other discount or coupon or prior purchases after 30 days from original purchase with original receipt. Offer good while supplies last. Non-transferable. Original coupon must be presented. Valid through 12/28/13. Limit one coupon per customer per day.
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WIRELESS DRIVEWAY ALERT SYSTEM
Item 66249 shown
SAVE 60% $
LOT NO. 93068/69590 Item 93068 shown
SAVE 56%
$
1999
1299
LIMIT 3 - Good at our stores or HarborFreight.com or by calling 800-423-2567. Cannot be used with other discount or coupon or prior purchases after 30 days from original purchase with original receipt. Offer good while supplies last. Non-transferable. Original coupon must be presented. Valid through 12/28/13. Limit one coupon per customer per day.
AUTO-DARKENING WELDING HELMET WITH BLUE FLAME DESIGN
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LOT NO. 91214
39
SAVE $ 99 50% REG. PRICE $79.99
REG. PRICE $79.99
LOT NO. 66249/ 69461/60560
Includes ten AAA 1.2v NiCd batteries (One for each fixture)
MOVER'S DOLLY
SAVE 46% REG. PRICE $ 99 $14.99
Item 93888 shown
1000 LB. CAPACITY
STAINLESS STEEL SOLAR LIGHT SET PACK OF 10
REG. PRICE $49.99
LIMIT 5 - Good at our stores or HarborFreight.com or by calling 800-423-2567. Cannot be used with other discount or coupon or prior purchases after 30 days from original purchase with original receipt. Offer good while supplies last. Non-transferable. Original coupon must be presented. Valid through 12/28/13. Limit one coupon per customer per day.
GRAND OPENINGS hft_amacadvantage_vol7_issue3_M-REG25125.indd 1
LOT NO. 44649/ 69591/69646
LIMIT 4 - Good at our stores or HarborFreight.com or by calling 800-423-2567. Cannot be used with other discount or coupon or prior purchases after 30 days from original purchase with original receipt. Offer good while supplies last. Non-transferable. Original coupon must be presented. Valid through 12/28/13. Limit one coupon per customer per day.
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20%
REG. PRICE $29.99
9" x 6 FT. 2 PIECE STEEL LOADING RAMPS
REG. PRICE $34.99
ELECTRIC PAINT SPRAY GUN
$
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LOT NO. 95578/69645/ 60625
LOT NO. 68239/69651
LIMIT 5 - Good at our stores or HarborFreight.com or by calling 800-423-2567. Cannot be used with other discount or coupon or prior purchases after 30 days from original purchase with original receipt. Offer good while supplies last. Non-transferable. Original coupon must be presented. Valid through 12/28/13. Limit one coupon per customer per day.
SAVE 40%
LOT NO. 98194/69684
LIMIT 5 - Good at our stores or HarborFreight.com or by calling 800-423-2567. Cannot be used with other discount or coupon or prior purchases after 30 days from original purchase with original receipt. Offer good while supplies last. Non-transferable. Original coupon must be presented. Valid through 12/28/13. Limit one coupon per customer per day.
18 VOLT CORDLESS 3/8" DRILL/DRIVER WITH KEYLESS CHUCK
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REG. PRICE $5.99
12" SLIDING COMPOUND DOUBLE-BEVEL MITER SAW WITH NEW! LASER GUIDE
LOT NO. 67847/69091/61454
Item 67847 shown
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Item 95578 shown
LIMIT 4 - Good at our stores or HarborFreight.com or by calling 800-423-2567. Cannot be used with other discount or coupon or prior purchases after 30 days from original purchase with original receipt. Offer good while supplies last. Non-transferable. Original coupon must be presented. Valid through 12/28/13. Limit one coupon per customer per day.
Includes one 18V NiCd battery and charger.
SAVE 66%
LOT NO. 2707/ 60457/69197
REG. PRICE $11.99
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1
$ 99
Item 46807 shown
LIMIT 8 - Good at our stores or HarborFreight.com or by calling 800-423-2567. Cannot be used with other discount or coupon or prior purchases after 30 days from original purchase with original receipt. Offer good while supplies last. Non-transferable. Original coupon must be presented. Valid through 12/28/13. Limit one coupon per customer per day.
9999
ON ALL HAND TOOLS!
LOT NO. 46807/ 68975/69221/ 69222
NOBODY BEATS OUR QUALITY, SERVICE AND PRICE!
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LIFETIME WARRANTY
LIMIT 4 - Good at our stores or HarborFreight.com or by calling 800-423-2567. Cannot be used with other discount or coupon or prior purchases after 30 days from original purchase with original receipt. Offer good while supplies last. Non-transferable. Original coupon must be presented. Valid through 12/28/13. Limit one coupon per customer per day.
R ! PE ON SU UP CO
LOT NO. 67646
SAVE $55
17 FT. TYPE 1A MULTI-TASK LADDER 23 CONFIGURATIONS 300 LB. CAPACITY
$
11499
REG. PRICE $169.99
LIMIT 4 - Good at our stores or HarborFreight.com or by calling 800-423-2567. Cannot be used with other discount or coupon or prior purchases after 30 days from original purchase with original receipt. Offer good while supplies last. Non-transferable. Original coupon must be presented. Valid through 12/28/13. Limit one coupon per customer per day.
La Mirada, CA Crest Hill, IL Madison Heights, MI St. Louis, MO Vista, CA Crystal Lake, IL Southaven, MS Richmond, VA 6/26/13 8:53:53 AM
See if you can save an average of $351.* 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 by AMAC members who purchased policies through the Affinity marketing distribution channel in 2012. 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 2013 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. 3-13
INVESTOR GOLD & SILVER NOTICE
LAST CHANCE SPECIAL OFFER
100AnniversaryDesign 2013 Buffalo th
Get the
LAST LAST TWO TWO COINS COINS
ininthe thepopular popular wildlife wildlifeseries seriesfor for
ONE LOW PRICE
Coin images not to scale
$50 American Buffalo Gold Coin
NOW AT ONLY 0.5%
above our actual dealer cost*
Call today for current pricing
1 full oz. of investment-grade
The most PURE gold coin in
.9999 fine gold bullion
U.S. History
LIMIT 10 at this low price
100th Anniversary coin design,
5 Silver Wood Bison & $5 Silver Pronghorn Antelope
$
Onl y
Plus $20 Express Shipping, Handling & Insurance
AWARD-WINNING
2 BONUS GIFTS AT NO CHARGE with your coin purchase
Personal Gold Guide
Indian Gold Coins of the 20th Century
WINNER: Best Investment Book of the Year
firstfidelityreserve.com
9.95 Value
Many coins in this popular .9999 pure silver series are OUT OF STOCK or SOLD OUT Mike Fuljenz, served as an expert consultant to the Royal Canadian Mint on the Antelope coin design
AMERICA'S GOLD EXPERT® MIKE FULJENZ
Great quantity pricing, availability & payment terms available on other popular investment-grade gold and silver bullion coins
1-800-336-1630 Vault Verification: FAMACBS0813 • Offer Expires: 09/28/13
Check or Money Order
The Silver Timber Wolf, first coin in the Royal Canadian Mint Wildlife Series, has RISEN 130% in just two years!
by
26 Years 44 NLG Awards 10 Categories
24 / 7
Limit 2 pairs of wildlife coins per household
*Dealer cost at time of transaction / The U.S. Mint charges a modest premium above the current market price of gold to cover minting, distribution, and marketing costs.
WINNER: Best Dealer Publication & 1st Place Excellence in the Media
$
CHECKS: Coins typically shipped 3 weeks after receipt & verification of checks with customer by account representative.
00
LIMITED INVENTORY
Accepted Gold Payment Methods:
WIRED FUNDS: Coins typically shipped 5-10 days after receipt & verification of wired funds with customer by account representative.
49
$
showcases the famous 1913 Type I ELIGIBLE for inclusion in a GOLD Buffalo Nickel design by James E. Fraser IRA (call us for details)
plus priority shipping & insurance
A+ Rating
Member:
Since 2002 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.