Volume 5 Issue 2

Page 1

VOL. 5 ISSUE 2 $2.95

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

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# Publisher’s Letter

Dear AMAC members,


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

AMAC’s influence

with our political leaders is also building. As we

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

Security income that one out of three recipients

must pay

4 | www.amac.us

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

Dan Weber, Publisher



p. 10

Millions of seniors face double taxation of Social Security income

p. 14

4 6 8


Publisher's Letter Sound Off Viewpoint Jedediah Bila

10 Money

Create a Budget

12 Health

Longer Lifetime Could Cost You

Daniel C. Weber

14 Feature


Rebecca Weber Keiffert

20 Job Creators Need

Associate Publisher Editorial Inquiries


Gary J. Christiansen Membership Web Developer

Death Taxes

p. 12

p. 22

Seniors Being Double Taxed on Social Security

Advertising Director gricottone@amac.us

28 Travel

Fun in the Sun

Pamela Smith

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

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

Who is Herman Cain?

25 Cover Story

Gia Ricottone


a Voice Politics

p. 28

p. 40

34 AMAC in Action 38 Government 38 40

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

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

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

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

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

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

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www.amac.us | 7

# Viewpoint

A Peek into “Outnumbered” By Jedediah Bila


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

8 | www.amac.us

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

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

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

www.amac.us | 9

# Money

Create a Budget


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

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

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

Helpful Tips:

10 | www.amac.us

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

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

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

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www.amac.us | 11

A Longer Lifetime Could Cost You I

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

12 | www.amac.us

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

1 out of 240


House Fire:

1 out of 1,200


Long Term Care:

1 out of 2


With a Plan

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

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

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

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


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Death Taxes Stealing the American Dream by Dick Patten

14 | www.amac.us


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

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

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

www.amac.us | 15

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www.amac.us | 17

Death Taxes Stealing the American Dream continued from pg. 15

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

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

18 | www.amac.us

UPDATE 6/29/11

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

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www.amac.us | 19

True job creators need a voice by Bernie Marcus


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

20 | www.amac.us

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

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






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Who is

Herman Cain? by Justin Quinn


ERMAN CAIN’S rapid rise to

prominence in the early days

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


continued on pg. 30

22 | www.amac.us



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

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

www.amac.us | 23

Seniors Paying Double Tax on Social Security Income

...AMAC pushes for repeal

24 | www.amac.us

by Daniel C. Weber


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

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

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

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

Double Tax

continued from pg. 25

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

on Social Security Income

26 | www.amac.us

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


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# Travel

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


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continued on pg. 45


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Who is

continued from pg. 22

Herman Cain?

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

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

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

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continued from pg. 10

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

Pretax Income:


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

$ $

Income Subtotal:


Income Taxes Withheld:


Federal: State & Local Social Security / Medicare Other:

$ $ $ $

Income Taxes Subtotal:


Monthly Income after Taxes:


Savings & Investments:


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

$ $ $ $ $

Total Monthly Amount You Save/Invest:


After-tax income – Savings = Spendable Income


$ $

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

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

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

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

Monthly Variable Expenses Subtotal:


Spendable Income – Total Monthly Expenses = How much more can I save or use for debt reduction? $

36 | www.amac.us

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

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

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

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



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# Did You Know?

# Government Watch

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

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

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

A Different Kind of President

By Fido - your government watchdog

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

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

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

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# Food: from Kathies’ Kitchen

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

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

40 | www.amac.us

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

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

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

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

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

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

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

www.amac.us | 41

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

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

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

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

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

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

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

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

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

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

Solutions on pg. 34


Joke of the Month

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

How to Play: • • • •

Fill in the empty fields with the numbers from 1 through 9 Every row must contain the numbers from 1 through 9 Every column must contain the numbers from 1 through 9 Every 3x3 square must contain the numbers from 1 through 9

42 | www.amac.us

Heard any good ones lately? Send them in!

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


&& & " %


105- &1>B5/1?

Public outcry over shocking survey results!

73% pick the Wedge Sound System in a head to head test against the $500 competition 1,000s of satisfied Wedge owners spark buying frenzy Has more features, costs $100s less and has amazing sound #A.85/ ;A@/>E ;B1> ?A>B1E @>5331>? ?;->5:3 019-:0 2;> @41 >-:710 )1031 &;A:0 &E?@19 -2@1> @41 ?A>B1E 2;A:0 ;2 <1;<81 2-B;>5:3 5@ ;B1> @41 9;>1 1D<1:?5B1 /;9<1@5@5;: :0 -@ - 2>-/@5;: ;2 @41 <>5/1 @41 )1031 5? =A5/78E @A>:5:3 5:@; @45? E1->I? 4;@@1?@ ?1885:3 ?;A:0 ?E?@19 @? 4534 1:0 ?;A:0 =A-85@E -:0 8;C <>5/1 4-? <1;<81 ?/>-9.85:3 -:0 6-995:3 <4;:1 85:1? @; 31@ ;:1 2;> @419 ?18B1? -:0 -? 352@? '41 2-/@;>E /-: .->18E 711< A< C5@4 @45? 21B1>10 019-:0 2;> @41 )1031 &;A:0 &E?@19 &A>B1E >1?A8@? ?4;C ;B1> ;2 <1; <81 <5/7 @41 :1C )1031 &;A:0 &E?@19 ;B1> @41 9;>1 1D<1:?5B1 A?5/ &E?@19 ;>1 <1;<81 <>1 21>>10 @41 )1031 .-?10 ;: ?;A:0 =A-85@E ?;A:0 /8->5@E :A9.1> ;2 21- @A>1? -:0 .A580 =A-85@E :0 ;2 <1;<81 ?-50 @41 )1031 4-? ?;A:0 1=A-8 ;> ?A<1>5;> @; @41 A?5/ &E?@19 :0 -@ ;:8E 5@ 4-? 9A?5/ 8;B1>? .AFF5:3 C5@4 1D/5@191:@ '4-@I? - ?-B5:3? ;> @41 25>?@ @591 -:E.;0E C588 .1 -.81 @; -22;>0 - @;< ;2 @41 85:1 ?;A:0 ?E?@19 #8A? @41 /;9<-:E @4-@ 4-? 01?53:10 @41 )1031 5? ;221>5:3 - 0-E ;:1E -/7 A-> -:@11 ?; @41 <A.85/ /-: 41-> @41 />E?@-8 /81-> ?;A:0 2;> @419?18B1? >5?7 2>11 @>A8E A:5=A1 -?<1/@ ;2 @41 )1031 5? E;A C588 :1B1> 4-B1 @; ?1@ @41 /8;/7 '41 )1031 5? -8>1-0E ?1@ 2;> E;A C41: E;A <8A3 5@ 5: -:0 1B1: -06A?@? 2;> -E 8534@ &-B5:3? '591 :;@41> A:5=A1 21-@A>1 5? @41 0A-8 .-@ @1>E .-/7 A< 2 @41 <;C1> 3;1? ;A@ @41 )1031 C;:I@ -:0 E;A> -8->9 C588 ?@588 3; ;22 *;A C588 :1B1> .1 8-@1 -3-5: :0 E;A /-: 85?@1: @; -:E <->@ ;2 E;A> 9A?5/ /;881/@5;: ;: E;A> )1031 >;9 ? -:0 # ? @; E;A> 2-B;>5@1 >-05; ?@-@5;: @41 )1031 <8-E? @419 -88 '41 )1031 1B1: ?@;>1? A< @; ;2 E;A> 2-B;>5@1 >-05; ?@-@5;:?

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

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

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


Leading Brand


Here’s what a few of the thousands of Wedge listeners have to say: “The sound is so rich and clear from such a small piece. I was really amazed and pleased.� -Bronwyn M. Owens, Taylor, MI

“Radio has excellent sound. Its clarity is excellent and it’s like people are in the room. Who needs a stereo system!!� -Shelley Pearson, Poplar, WI

“Wow, you caught me off guard. The compact Wedge System sounds and looks great. I was very surprised...�

-Chuck Zabriski, St. Petersburg, FL

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

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

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

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

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

Member Benefits Directory Use your Membership Card and save!!

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

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

Hotels/ Motels

AMAC Medicare/Healthcare Insurance:

Red Roof Inn: 1-800-RedRoof

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

Motel 6: 1-800-4Motel6

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

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

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

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

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

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

Car Rentals

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

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

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

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

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

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


Identity Theft Protection

Hertz: 1-800-CarGold

LifeLock: 1-800-LifeLock

Avis: 1-800-230-4898

Hearing Care Beltone Hearing: 1-800-Beltone

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

44 | www.amac.us


Fun in the Sun

Who can forget? Harpist Lloyd Lindroth

continued from pg. 28

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

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

Hear Lloyd’s latest release!

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

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

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

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


Music of the Cascades (live) Love Drops



15.99 ____ ________ 15.99 ____ ________ Grand Total ________

Name: Address: City:



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

AMAC members use CODE “AMAC1” for 20% discount Copyright © 2010 George Michaud, Michlind/Harpland Music. All Rights Reserved

www.amac.us | 45

Attention All Medicare Enrollees:

You Don’t Need the AARP for your Medicare Health Insurance! There is a big misconception among many people - a misconception that the AARP doesn’t want to clarify - that you must go through the AARP in order to purchase any of the various Medicare health insurance plans you may need. This is NOT TRUE! ALL Medicare health insurance plans are available through private insurance companies directly to you! We at AMAC are determined to get the word out: you don’t need to send your money to the AARP for your Medicare insurance needs. Even if you already have insurance through the AARP, you may be able to change. Give us a call today and tell AARP to “get lost” tomorrow! You may need to have Medicare health insurance plans, but you DON’T need to send your money to AARP.

Call us today: AMAC Senior Resources Network Get answers you need from the people you trust!


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

Issues like:

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

Call us today:

46 | www.amac.us

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

www.amac.us | 47

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

1.866.709.9713 Or, visit travelers.com/amac

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