volume 5 issue 2

www.amac.us | 1

Millions of SeniorsBeing Double Taxedon Social Security

VOL. 5 ISSUE 2$2.95

pg. 24

2 | www.amac.us

www.amac.us | 33 | www.amac.us

Call 1-800-BELTONE (235-8663)to find your nearest BeltoneHearing Care Center or visit

www.beltone.com

Maintain yourindependence

with hearing help from Beltone!

Beltone has been manufacturinghearing instruments in America

for over 70 years!

• Free hearing screening

• In-home service, if needed(where available)

• 20% discount off all Beltonehearing aids

• Lifetime Care™ - service atany Beltone location

• Full manufacturer’s warranty

• Loss, Stolen & Damagecoverage

• Discount extended toimmediate family members

Complete your FREEhearing screening

by Sept. 30, 2011 and receive your choice of:

FREE booklet of (20)first-class stamps

orFREE pack of hearing aid batteries

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

Special AMAC Hearing Care Discount ProgramSimply show your AMAC membership card and your program will include:

�

�

�

Publisher’s Letter�

“”

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

Dear AMAC members,

Thanks to you Patriotic Americans, AMAC continues to grow! We arenearing 200,000 members and our goal is to have one million membersby the 2012 elections.

AMAC’s influence with our political leaders is also building. As we serve ourmembers by fighting to remove the double tax on Social Security income thatone out of three recipients must pay, we are grateful to the staff of CongressmanPaul Ryan (R-WI) who asked us to provide them with information about our planto repeal that grossly unfair tax.

Senator Kay Bailey Hutchison (R-TX) has had the courage to offer aproposed bill to help keep Social Security solvent. Her staff reached out to uswhen they heard about AMAC’s plan to couple her bill with a bill that wouldallow workers to have a tax deductible Social Security IRA to add money to theirretirement. Go to our website atwww.amac.us to follow our progress.

This issue of your magazine is packed with articles we hope you will findhelpful. In this issue you’ll learn more about Herman Cain, a relatively unknownperson running for President, and you'll also read about Cape Hatteras, NorthCarolina, a great vacation spot. You’ll find an introduction to a new book byJedediah Bila, AMAC’s favorite writer, and of course, some food ideas fromKathie’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 relationswith a prostitute, now Anthony Weiner has quickly gone from being anoutspoken, 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 totalcorruption that grips so many other countries?

Consider what Ben Franklin wrote in 1784 about how America won theRevolutionary War:

"….if it had not been for the justice of our cause and the consequentinterposition of Providence, in which we had faith, we must have been ruined. IfI had ever been an atheist, I should now have been convinced of the being andgovernment of Deity! It is he who abases the proud and favors the humble. May wenever forget his goodness to us, and may our future conduct manifest ourgratitude."

Sincerely,

Dan Weber, Publisher

4 | www.amac.us

Association of MatureAmerican Citizens5 Orville Drive Bohemia, New York 11716

631.589.6675 • www.amac.us

Generations Publishing Inc.PO Box 961 | Port Jefferson Station, NY11776 | 631.473.0388

Graphic Design by:Advertising Dynamics & Art, Inc.631.751.5454 • www.adartinc.com

p. 28

p. 12

p. 22

VOL. 5 ISSUE 2

C O N T E N T S

4 Publisher's Letter6 Sound Off8 Viewpoint

Jedediah Bila

10 MoneyCreate a Budget

12 HealthLonger Lifetime Could Cost You

14 Feature Death Taxes

20 Job Creators Needa Voice

22 PoliticsWho is Herman Cain?

25 Cover StorySeniors Being Double Taxed on Social Security

28 TravelFun in the Sun

34 AMAC in Action38 Government

Watch38 Did You Know?40 Kathie's Kitchen

Fresh from the Farmstand

42 Just for Fun44 Member Benefits

p. 14

p. 40

�COVER:

Millions ofseniors facedouble taxationof SocialSecurity income

�

p. 10

Daniel C. Weber

Publisher

Rebecca Weber Keiffert

Associate Publisher

Editorial Inquiries

Gary J. Christiansen

Membership

Web Developer

Gia Ricottone

Advertising Director

[email protected]

Pamela Smith

Editor

www.amac.us | 5

6 | www.amac.us

“Sound Off”

Jack Lavelle� You guys are doing the good work and should

be proud. We don’t have to beat AARP in numbers inthe short time we’ve been organized. We just need tothrow a scare into them so they show their true colors.

My wife and I just renewed our memberships fortwo more years, and I mailed back AARP’smembership card they wanted me to have. I feel likethis organization’s on the right track. We need to gethold of the health care debate and make it about whatit 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 andmore power with the media once again playing the

role of willing accomplice. It is up to you the citizensof this great country to become informed, and DOSOMETHING.

Call your Senate. Call your representatives inCongress. It is your duty, your American privilege andyour 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 self-

serving, ultra-liberal AARP...one that is truly on theside of America's over-50 population! Thank you,AMAC!

AMERICANS ARE SPEAKING OUT ON AMAC’S WEBSITE. Some ofthese comments are presented on this page. Please log on to

www.amac.us to give us your views andto read what others are saying!

WANTED: NON-SMOKERSIncredible term life insurance rates!

Rates are effective as of 06/15/2011 and are subject to change. Premiums shown are for a healthy non-nicotine Preferred Rate Class, and are subject to underwriting approval by ReliaStar Life Insurance Company and ReliaStar Life Insurance Company of New York. Premiumsshown are monthly and include an annual $68 policy fee. ING TermSmart, policy form series 1315-02/10, varies by state and may not be available in all states (not available in New York), is issued by ReliaStar Life Insurance Company (Minneapolis, MN). ING TermSmart NY, policyform 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 INGfamily 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 listedon the material, are members of the ING family of companies. © 2011 ING North America Insurance Corporation. 160363 cn67522062013

Male Female Monthly Rates Monthly Rates

Age $100,000 $250,000 $100,000 $250,00050 $19.60 $32.42 $17.33 $27.8355 $28.88 $47.73 $22.93 $37.8960 $42.00 $73.33 $30.36 $53.8665 $70.35 $136.54 $44.19 $85.3670 $123.64 $234.33 $69.83 $139.1775 $240.89 $454.83 $146.13 $313.9580 $399.35 $895.83 $318.41 $660.45

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

For a personalized quote please call 888-262-2006 or visit us on the web at www.AMAC.US, Click on the Life Button.

FIND OUT HOW EASY LOOKING YOUNGER CAN BE.

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

AMAC071511-102

®

• Featured on ABC, CBS,NBC, FOX News andin magazines and newspapers nationwide

• Affordable, quick and confidential every step of the way

• You get the experience ofover 70 board-certifiedphysicians

• More than 100,000 clients• Locations nationwide• Custom financing plans

available

BEFORE AFTER

©2011 Lifestyle Lift.® Lifestyle Lift® offers surgical and non-surgical procedures performed under local anesthesia. Single procedures take about one hour to complete but more time may be required formultiple 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. LifestyleLift 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 de-picted 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 particularoutcome 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 RE-SPONSIBLE FOR PAYMENT HAS A RIGHT TO REFUSE PAY, CANCEL PAYMENT, OR BE REIMBURSED FOR PAYMENT FOR ANY OTHER SERVICE, EXAMINATION, OR TREATMENT THAT IS PER-FORMED AS A RESULT OF AND WITHIN 72 HOURS OF RESPONDING TO THE ADVERTISEMENT FOR FREE, DISCOUNTED FEE, OR REDUCED FEE SERVICE, EXAMINATION, OR TREATMENT. (7/11)

Looking years younger is simple with Lifestyle Lift. We have helped morethan 100,000 clients all over America recapture their youth. A Lifestyle Liftis done confidentially in one of our nationwide state-of-the-art centersusing the latest medical technology. That means you can say goodbye toshort term solutions and regimens that require constant upkeep. With a

Lifestyle Lift you get lastingresults that leave you lookingnoticeably younger for the longterm. All for an affordable price.So making a real change in yourlife can be as simple as picking upthe phone.

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

www.amac.us | 7

It began in Manhattan in October of2008, in the midst of one of the most

passionate election seasons I havewitnessed thus far. After a fewintriguing encounters with membersof 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 liberalsas they opined about Sarah Palin, Republicans, feminism,Barack Obama, wealth redistribution, and more.

It wasn’t until I had embarked upon a new voyage asa conservative columnist and commentator that I realizedI had something I wanted to share. I couldn’t help butremember the wise words of my grandfather: “Sometimesit’s the stuff that happens in plain old everyday life—therealness of it all—that speaks the biggest truths.” With thatmemory, I decided to invite readers to take a step into myworld, open their eyes, and look around … to discoverwhat the Left’s version of tolerance, diversity, civility, andfeminism really look like … and to see the conservativeversus liberal world view illuminated by the simplicity ofeveryday 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’tsee anyone. “Psst!” I turned again, and this time an adorableold lady—she had to be at least eighty, if not more—was wide-eyed and pointing frantically at her collar, then gesturingtoward mine. I jumped about a foot in the air, convinced thatsome grotesque bug was on its way toward my face. I lookeddown and saw nothing.

“You might want to cover that up,” she whispered as shetucked my Palin pin inside my outer jacket. “I don’t want yougetting yourself killed now, young lady,” she added.

“Oh, it’s okay. I haven’t been beaten up yet,” I said with alaugh.

“Please be careful,” she replied. “I nearly got knocked tothe ground because of one of those a few weeks ago. It’s justnot worth the fight, you know?” As I watched her exit the deli,

I stood wondering what in heaven’s name had possessedsomeone to nearly knock down a barely five-foot, eighty-something-year-old woman because of a pin. Where in the hellam I living?

I sat for a little while, staring out the window at LexingtonAvenue, observing the physical diversity of people who passedby. Did so many of them look different on the outside, but thinkthe same? I wondered if any had hidden their Palin pins, too.It’s just not worth the fight ran through my mind. I lifted thepin out of my jacket. If people don’t fight, there will be nothingleft to fight for, I thought.

I decided to walk home and, to no surprise, faced my fairshare of grimaces and comments. A woman mumbled“Ignorant bitch” as I rounded Third Avenue. A man stopped meto “inform” me that if I wanted to support hatred, I “shouldmove to a place like Utah.” A teenager told me to “get the hellout of Obama’s city.” But one mom carrying an infant gave mea thumbs up, and that made it all worthwhile.

Of course, when I told my mom what had happened, shewas terrified. Her desire to protect her little girl would alwaystake precedence over any freedom of speech crusade. Ipromised 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 phoneafter dinner, but I could sense the pride swelling in his voice.There was no way Tony Bila would ever tell me to take that pinoff. During my time at Columbia University, he had parkedoutside repeatedly with an enormous Rush Limbaugh stickeracross his rear bumper. Now that’s guts.

It’s close to 1:00 a.m., and soon I’ll be heading to bed. Ijust sifted through some media commentary on how SarahPalin is the anti-feminist. Someone needs to set that recordstraight … for the girls who will otherwise grow up thinkingthat feminism and abortion must go hand in hand. Becausethey deserve better.

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

Viewpoint�

By Jedediah Bila

A Peek into“Outnumbered”

8 | www.amac.us

Looking for auto insurance at a better price?

If you like the idea of paying less for quality coverage, then you should take a look at the Travelers Auto Insurance Program for AMAC members. With access to special program rates and several

money-saving discounts, you could get big savings.

Request a free quote today.

Call Travelers: 1-866-709-9713

Visit: travelers.com/amac

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

© 2011 The Travelers Indemnity Company. All rights reserved. PL-15466 New 6-11

www.amac.us | 9

Create a Budgetand Take Control of Your Finances!

The savings ratefor Americans isthe lowest it hasbeen in 73 years.

Creating a budget is the first good step you can make to take control of yourfinances. 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 makingthis 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 makeadjustments to your spending so that you can contribute more to savings and payfor 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 muchmoney you spend. For at least one month, watch closely how you spend yourmoney and keep all receipts. This will help you come up with an amount to budgetfor your variable expenses – such as dining out, dry cleaning, or money to yourchildren.

Helpful Tips:

� 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.

�

Money�

10 | www.amac.us continued on pg. 36


Protect your retirement assets with

Prudential Long-Term Care Insurance.Don’t let the cost of a prolonged health crisis jeopardize what you’re working to build. Find outhow long-term care insurance issued by The Prudential Insurance Company of America can helpprotect your assets — including the money you’re putting away for retirement.

From preserving your independence to safeguarding your personal savings, Prudential’s long-termcare insurance helps to deliver protection against an emergency that could arise at any time. Makeit part of your financial plan today. The people you care for will thank you for years to come.

Get started by visiting www.amac.us/long-term-care-insurance

It’ll take Helen 35 years ofwork to build a nest egg.

And two years of long-termcare to tear it down.

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 insurancecoverage 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 ofThe Prudential Insurance Company of America.This is a solicitation for long-term care insurance.IFS-A152687 Ed. 8/2008 0168024-00002-00

Ask about our

5% discount!1-888-262-2006

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 theconsequences of living a long life and how it might affecther family. The agent explained that without a plan, assetsand savings could be depleted by $50,000 - $100,000 ayear. Without a plan, family members would be chainedto her needs, and the family could be forced to makechoices based on cost, not choice. After a lengthydiscussion, Rose still wanted to analyze the solution ofbuying Long Term Care Insurance so she ran it by herattorney.

The attorney urged her not to buy and said “you havefour children and one of them is a doctor; they will bethere if and when you need care.” Rose went ahead andpurchased the insurance despite the advice of theattorney.

A few years later Rose’s health deteriorated as a resultof back and hip problems. Her mental acuity was 100%intact, but she needed assistance with Activities of DailyLiving (ADLs).

Her son, who was a doctor making a sizeable income,was diagnosed with bi-polar disorder and was in therapyand was unable to help.

The younger daughter was busy raising her threechildren on a limited income and was unable to help.

The 52 year old daughter was recently diagnosed withbreast cancer – unable to help.

The one daughter who could help, wouldn’t helpunless the other siblings contributed equally.

Few consider auto or homeowner's insurance as awaste of money if they never have to use it. Instead, it’sthe price one pays to insure against the risk of fire oraccidents. The same goes for long-term care insurance;it’s the price one pays for the risk of needing long termcare.

The reality is that the currently healthy can expect toeventually suffer from one or more chronic diseases,which often results in high out of pocket and long termcare costs. Still, most people delay purchasing insuranceuntil their health declines and therefore run the risk ofpaying higher premiums or being denied coveragealtogether.

Ellen Dorle, a certified financial planner based inColumbus, Ohio says it is “almost mandatory” to haveLTCI, particularly if a client has significant assets. It is akinto having homeowner's insurance in that you hope youdon’t have to use it but want to have it.

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 yourfamily

� 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 - $100,000per 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 CareInsurance. Call us to speak with a licensed counselor.*names are changed for privacy

A Longer LifetimeCould Cost You

STUDIES SHOW THAT NINE MILLION PEOPLE OVER THEAGE OF 65 WILL NEED LONG-TERM CARE THIS YEAR. It isestimated that over 12 million Americans over the age of 65 willneed long-term care a year by 2020. A separate study by the U.S.Department of Health and human Services shows that those over65 have a forty-percent chance of living in a nursing home, whileten-percent will stay there at least five years. Seventy percent ofthe elderly will be cared for by friends and family.

The National Academy of Elder Law Attorneys did a studycomparing the risk of financial devastation brought on by LongTerm Care with the risk of financial devastation brought on by amajor automobile accident or a house fire. According to thatstudy, the rates of risk were:

� Automobile Accident: 1 out of 240 [0.4%]

� House Fire: 1 out of 1,200 [0.08%]

� Long Term Care: 1 out of 2 [50%]

12 | www.amac.us

PA


#

1

2010 Fastest

Growing

IT ServiceNo one can put a price on the treasures on your computer.

But backing them up automatically is just $59 a year.

#

2010 Fastest

Growing

IT Service

g

•

Unlimited online backup

•

Automatic & continuous

•

Encrypts files for privacy

•

Installs in minutes – PC or Mac

•

Trusted by more than

1 million customers

•

Access files from any computer

or smartphone

©2011 Carbonite, Inc.

T

W

O

F

R

E

E

M

O

N

T

H

S

*

TRY IT FREE!

Visit carbonite.com

* Use Code CB396 and get 2 FREE

months upon purchase.

Act now to protect your valuable computer files.

#

1

2010 Fastest

Growing

IT Service

Trust Carbonite for unlimited, automatic

backup of your computer files.

A hard drive crash, virus or even a simple

accident can wipe out your computer files in

seconds. Protect your photos, music, email and

other irreplaceable files with Carbonite – the

online backup service trusted by more than one

million people.

Carbonite automatically backs up your files

whenever you’re connected to the Internet. Backup

space is unlimited, and everything is encrypted so

your data remains secure and private. When you

need to recover files, getting them back is easy –

you can even access your files remotely from any

computer or on your smartphone.

Start your free trial today at Carbonite.com or

call 1-800-240-6217 to learn more.

Death TaxesStealing the American Dream

You work hard, save, and invest –then you die and the IRSconfiscates its “share” of your

assets. This is how the death tax stealsthe American dream from those who“have too much.”��

by Dick Patten

14 | www.amac.us

��ACROSS THE COUNTRY, from Oregonto Ohio to Washington, DC, the Americanpeople recognize that the death tax isfundamentally unjust – especially when itdestroys the livelihoods of family businessowners, farmers, and their workers.

Consider third-generation familybusiness owner Lowell Miles of HappyValley, Oregon. Miles’ business providesmore than 100 jobs in the fiberglass andcomposite industry. As Miles recentlywrote in The Oregonian, the state’slargest newspaper, in Portland, “estatetaxes force businesses to divertresources from expanding andcreating jobs, to ensuring thecompany can stay open once theowner dies. Those (businesses) thatcan’t pony up are forced to sell orshutter.”

Like the families of many otherbusiness owners, Miles’ family willhave to pay federal estate taxes whenhe dies. The current rate is 35 percenton all assets exceeding $5 million,including both personal and businessassets. If the Oregon legislature has itsway, his family may also have to pay astate estate tax of 20 percent – thehighest estate-tax rate in the nation.

Combined, the rate could exceed 50percent.

While Oregon’s move towards aconfiscatory estate tax will further damage

the state’s economy and encourage

businesses to move elsewhere, many other states arelooking to ease or repeal their estate or inheritancetaxes.

As this article went to press, Ohio appeared readyto repeal its estate tax. The House of Representativesalready has approved a budget package that includesrepeal of the tax. The state Senate is expected to followthe House’s lead and Gov. John Kasich has indicatedhis support.

Lawmakers in Illinois, Indiana, Maine andPennsylvania also are considering legislation to repealthe so-called death tax. The governors of Maine, NewJersey, and Rhode Island have proposed reducing thetax’s impact by increasing the exemption. A proposalby North Carolina’s governor, meanwhile, to increasethe death tax by reducing the exemption, was shotdown by the legislature.

This flurry of activity is encouraging for a countrystill struggling with high levels of unemployment. Astudy by the Connecticut Department of Revenuefound that states with estate taxes had higherunemployment rates and more sluggish economiesthan states without the death tax. The same studyfound that the estate tax was the leading reason thatwealthy residents were abandoning their roots, takingtheir money, and moving to states without estatetaxes.

Still, the fight for repeal has been far from easy.Some state and local officials have been moreconcerned about the short-term loss of tax revenue.

What these officials don’t seem to understand isthat higher estate taxes equal fewer tax dollars, notmore. A recent study from the American FamilyBusiness Foundation found that for every $1 increasein federal estate tax revenues, state and localgovernments lose almost $3 in other tax revenues.

“ A study by the Connecticut Department ofRevenue found that states with estate taxes hadhigher unemployment rates and more sluggish

economies than states without the death tax. Thesame study found that the estate tax was theleading reason that wealthy residents were

abandoning their roots, taking their money, andmoving to states without estate taxes.”

www.amac.us | 15

continued on pg. 18

With the purchase of a Merlin LCD or Acrobat LCD

Desktop Magnifiers at retail.

Can’t read the newspaper?

Unable to see family pictures?

Trouble reading prescriptions?

Call today for more information 888-811-3161 or visit www.enhancedvision.com

Promo Code: 1001

Low Vision? We can help!

FREEPEBBLE 3.5HAND-HELD MAGNIFIER

$545 VALUE

woLan’tC

en? Woisiw V

gdineae rbluorT

yamilee fo se tblanU

pepawsee nd theat r

elp!e can h

ns?otiicrseg pr

seturciy p

r?e

s

s?e

oi

t Lbaor Acrlin LCD oreMe osahce purith thW

UALVVA455$AMDLHE-DNAHEEPEERF

BBLE

t Le

ALMEE

EE

odall tC

e: 1odo CmoPr

ceannh.er visit wwwoamroe infror moy fad

.ailtet rasregnifiap MoskteDLbaor Acrlin LCD oreM t L

1001

m.conoedvisi161-3118-888n otia

16 | www.amac.us

A treasured gift of genuine cultured freshwater pearls for a beloved granddaughter together with grandma’s wise words ... this exclusively designed necklace is a keepsake that is sure to be cherished!

A Remarkable Value...The Perfect GiftThe Grandma’s Pearls of Wisdom Necklace is a

remarkable value at just $99*, and you can pay for it in 4 convenient installments of $24.75 each. It’s a beautiful reminder of your love and the perfect gift for a precious granddaughter! The necklace is presented in a custom-designed keepsake box that includes the touching “Grandma’s Pearls of Wisdom” poem. It arrives complete with a Certifi cate of Authenticity, and backed by our unconditional 120-day guarantee. To reserve your necklace, send no money now; just mail the Reservation Application today!

RESERVATION APPLICATION SEND NO MONEY NOW

YES. Please reserve the “Grandma’s Pearls of

Wisdom Pearl Necklace” for me as described

in this announcement.

Signature

Mrs. Mr. Ms. Name (Please Print Clearly)

Address

City

State Zip

01-07925-001-E

9345 Milwaukee Avenue • Niles, Illinois 60714-1393

jewelry

��

the

*Plus $9.98 shipping and service. Please allow 4-6 weeks after initial payment for

shipment of your necklace. Sales subject to product availability and order acceptance.

LIMITED-TIME OFFER

Reservations will be accepted on a

fi rst-come, fi rst-served basis.

Respond as soon as possible to

reserve your “Grandma’s Pearls of

Wisdom Necklace .”

Shown actual size

©2011 BGE 01-07925-001-BI2

A Fine Jewelry Exclusive from

The Bradford Exchange

I’ve traveled paths you’ve yet to walkLearned lessons old and new

And now this wisdom of my lifeI’m blessed to share with you

Let kindness spread like sunshineEmbrace those who are sad

Respect their dignity, give them joyAnd leave them feeling glad

Forgive those who might hurt youAnd though you have your prideListen closely to their viewpoint

Try to see the other side

Walk softly when you’re angryTry not to take offense

Invoke your sense of humorLaughter’s power is immense!

Express what you are feelingYour beliefs you should uphold

Don’t shy away from what is rightBe courageous and be bold

Keep hope right in your pocketIt will guide you day by day

Take it out when it is neededWhen it’s near, you’ll fi nd a way

Remember friends and familyOf which you are a precious part

Love deeply and love trulyGive freely from your heart

The world is far from perfectThere’s confl ict and there’s strife

But you still can make a differenceBy how you live your life

And so I’m very blessed to knowThe wonders you will do

Because you are my granddaughterAnd I believe in you

G randma’s

Pearls of W isdom

N ecklace

To my dear

Granddaughter

�

Comes in a custom-designedkeepsake case with

the “Grandma’s Pearls

of Wisdom” poem

CC

�

18-inch Necklace of Genuine Cultured Freshwater Pearls

Sterling silver-plated heart charm inscribed with:

“My Granddaughter, My Joy”

Grandma’s Pearls of Wisdom poem by Becky Netherland

www.bradfordexchange.com/pearls

54681

www.amac.us | 17

18 | www.amac.us

That’s because the estate tax is a proven business and jobkiller – and when businesses go under, or are broken up,income, sales and other taxes go down. State estate taxeshave the same effect.

Fortunately, the American public gets it. Pollsconsistently show that more than two-thirds of voters favorpermanent death tax repeal.

And Congress is paying attention. More than 130Members of Congress – both Democrat and Republican –have signed the American Family Business Institute’s“Death Tax Repeal Pledge.” These members are now leadinga bipartisan fight for Federal Estate Tax repeal.Representatives Kevin Brady (R-TX-8) and Mike Ross (D-AR-4) have sponsored “The Death Tax Repeal PermanencyAct” (H.R. 1259), which has an impressive number of co-sponsors from both sides of the political aisle.

A recent study conducted by former TreasuryDepartment economist Steve Entin, now with the Institutefor Research on the Economics of Taxation, found thatestate tax repeal would increase federal revenues by $89

billion over a ten-year budget period.Entin’s finding isbased on theunderstanding thatrepeal would spureconomic growth,allowing morebusinesses to createmore prosperity andthereby increasetotal tax collections.

Estate-tax repealalso would increase thesize of the U.S. economy,or gross domestic product (GDP), by about 2.25 percent,private sector output and labor income (hours workedtimes hourly wage) by about 2.34 percent, and capital stockby 6.1 percent.

But repeal is about much more than just numbers andstatistics. If you ask 30-year-old Texas rancher ClaytonLeverett, it’s about lives, families and heritage.

Leverett’s family was forced to sell half of their ranch sothey could pay the death tax when their father died. Despite

Leverett’s efforts to save the ranch – by taking on asecond job – the family still is struggling to payUncle Sam’s bill.

America would be much better off if theLowell Mileses and Clayton Leveretts in thenation could invest their time, money and energyinto building their ranches and businesses, hiringworkers and contributing to the economy and taxrolls – rather than spending all that effort to satisfythe taxman.

Congress and state legislators across the nationultimately will decide whether death taxes are thebest way to fill their budget holes. From every

possible standpoint, moral and economic, the deathtax is the wrong answer. The future of small business

and American entrepreneurism stands in the balance.

Dick Patten is the President of the AmericanFamily Business Institute, a trade association of family

business owners, farmers and entrepreneurs workingfor repeal of the death tax.

Death TaxesStealing the American Dream

“Leverett’s family was forcedto sell half of their ranch sothey could pay the death taxwhen their father died.Despite Leverett’s efforts tosave the ranch – by taking ona second job – the family stillis struggling to pay UncleSam’s bill.”

UPDATE 6/29/11From the floor of the OhioState Legislature: the OhioState Senate has passed theFY 2011-2012 budget by atwo-to-one majority,effectively killing the deathtax in Ohio. This is a historicevent for Ohio and forpatriots everywhere whorecognize that the death taxis bad for the smallbusinesses which fuel oureconomy.

continued from pg. 15

www.amac.us | 19

Almost 10 years ago, America faced achallenge the likes of which it had

never seen. For a decade, we rose togetherto meet that challenge with courage,commitment, and perseverance. Nowwe’ve reached a tremendous milestone inour mission to rid the world of evil. Simplyput: We got him! And if conquering ourcountry’s greatest foe isn’t a reason toproudly fly our flag, I don’t know what is.So in honor of that victory Stauer is offeringour Sapphire & DiamondAura® PatriotPin for just $99!

Indivisible. Following that infamousSeptember morning, one symbol aboveall others shone across the country as anemblem of our resolve. The Stars andStripes flew from every house and streetcorner, on bridges and buildings, and inthe hearts of every American. It seemedthe Red, White, and Blue would never beas striking. Now we’ve got a new reasonto raise the flag. And this time it’s in celebration. So we’re bringing you a grandold flag that’s even grander.

American beauty. Our spectacular Sapphire & DiamondAura Patriot Pinshowcases a luxurious new look for OldGlory. The American flag is captured ingold-fused sterling silver, with hand-enameled red stripes that unfurl with theelegant flow of the “fabric.” You can almost hear the material snapping in the wind. The crowning achievement is a sparkling field of stars, composed of genuine, round-cut blue sapphires (½ ctw)and brilliant, lab-created DiamondAura.Details include the intricate braided ropeand polished flagpole, topped with asmooth sapphire cabochon. An exquisitepiece filled with a passion only found inthe land of the free and the home of thebrave. Wear it with even more pride know-ing we’ll donate 10% of the revenueto the U.S. Navy Seal Foundation!

Your freedom is important to us. It’swhat makes this country great, so we didn’t mess with it. With our 30-dayMoney Back Guarantee, you’re free to seeif you like the Sapphire & DiamondAura

Patriot Pin as much as we think you will.If you’re not satisfied, just return it for afull refund of the purchase price. This isyour chance to show how your “heartbeats true, beneath the red, white and blue.”

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

1-888-201-7083Promotional Code PPP132-02Please mention this code when you call.

14101 Southcross Drive W.,Dept. PPP132-02Burnsville, Minnesota 55337

JEWELRY SPECS:

- Genuine blue sapphires and white DiamondAura®

- Gold-fused .925 sterling silver

- Hand enameling

Stauer has a Better Business Bureau Rating of A+

Smart Luxuries—Surprising Prices

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

Stauer®

Brilliant genuine sapphire,

DiamondAura®

and hand enameling enlarged to show

fine details.

AmericaShines BrighterThan Ever

10%of revenue donated to the U.S. Navy SEALsFoundation.

www.stauer.com

True job creatorsneed a voiceby Bernie Marcus

worked hard to make my own small company into a bigone but I never could have succeeded if I had faced the

avalanche of impediments that our current governmenthurls down upon this generation of entrepreneurs. TheWhite House’s job creation strategy is to threaten highertaxes on anyone making more than two hundred thousanddollars a year and to appoint yet another council on jobs.Does anyone really believe this will create the jobs thiscountry needs? I certainly don’t. What I do believe is that wemust bring together the hard-working men and womenwho are on the front lines of job creation – small andmedium-sized business founders and owners – to light theway to renewed economic growth.

By giving real job creators a voice, whether shopkeepersor software engineers, they can speak from real-worldexperience about how to create jobs and why job creationcan’t be accomplished from Washington. I believe thesebusiness men and women could point out the policies thatare obstacles and articulate policies that invite growth andinvestment, and most importantly - job creation. Whobetter to defend free enterprise than entrepreneurs whohave actually created America’s private-sector jobs?

These companies – high-tech and low, restaurants andretail stores, manufacturers and bakeries – are thebusinesses that drive job creation. Half of all Americanworkers are employed at a small business and they havegenerated two out of three new jobs over the last 15 years.We can’t have a serious conversation about reducingunemployment without listening to the companies that areNOT on the Fortune 500 list.

Overregulation, unfair taxes, and new mandates, likethe controversial healthcare bill, are choking these job-creating businesses before they can get off the ground. ThePresident’s State of the Union Address included calls toincrease trade and cut corporate taxes, all things that helpbig businesses, but do little to help the small enterprisesand start-ups that are the engines of economic growth.They need relief from the alphabet soup of regulations thatstifles them and therefore chokes hiring.

From the EPA to the FDA, from the IRS to SarbanesOxley, regulations disproportionally affect the smallestfirms, drowning America's entrepreneurs in red tape.According to a study published last year by the Small

Business Administration, firms with fewer than 20

employees spend 36 percent more per employee than largefirms. Regulations, on average, cost small firms $10,585 peremployee each year: $4,120 to comply with economicregulations, $4,101 to comply with environmentalregulations, $1,585 to comply with complex tax rules, and$781 to comply with OSHA and homeland securityregulations. In fact, more than 144,000 pages of regulationsstrangle small and large businesses alike. Congress mustprovide these innovators a break.

I know dozens of men and women who started withnothing, waiting in the hallway hoping the mailman wouldbring enough receipts to make payroll, working through thenight, foregoing their own salaries so they could pay theirbills, and yet fretting over filing a raft of forms for local, stateand government regulators and worrying aboutbewildering new rules. These are the true job creators andmany feel downright abused by a government that ignoresthem, penalizes them and goes out of its way to impedetheir businesses.

These job creators want to grow their businesses; theywant to hire new employees and they understand that theyneed to pay fair taxes. But they don’t have a forum; theydon’t have a voice, and they are frustrated when academicsand life-long government employees, bureaucrats whoknow nothing about creating jobs, determine policies thatcould either spur or stifle job growth. The heroes of theAmerican economic dream are the people who take therisks, make the sacrifices, and still maintain the beliefs thatpropel them to success. These job creators must tell us whatpolicies they need to grow their business and put Americaback to work.

I am now calling on all business founders, owners andleaders to join me in the ranks of the Job Creators Alliance,a new organization I am proud to help create. Join me inthis quest to allow free enterprise to not only heal ourwounded economy, but also to return us to the economicgrowth that we need to create jobs across America.

If you want to join the JCA, contact me at:[email protected].

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

I

20 | www.amac.us

ONLY

INCREDIBLE THERAPEUTIC SLIPPER

MAKES YOUR ENTIRE BODY FEEL BETTER

FREE Shipping

Dep

t.64752 ©

2011 D

ream

Pro

du

cts

, In

c.

A CUSTOMCRADLE OF

PRESSURE-FREESUPPORT

Perfectly

Conforms

To The Shape

Of Your Foot

Perfectly

Conforms

To The Shape

Of Your Foot

$1297$1297

THERAPEUTIC MEMORY INSOLECUSHIONS EVERY STEP

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

Perfect For:

Satisfaction Guaranteed or Return For Your Money Back

These amazing slippers might be the most

comfortable slippers you’ve ever slipped

your feet into. Fashion import with

therapeutic memory foam insoles conform

exactly to the shape of your feet to provide

custom comfort from heel to toes. Great

for men and women who suffer from

painful heel spurs, bunions, arthritis, gout,

swollen feet and countless other foot

problems. Features faux suede uppers and

flexible, skid-resistant soles. Hurry, order

today and SAVE 35% off catalog price and

get FREE SHIPPING, plus, receive a FREE

surprise gift with your order!

SAY GOODBYE TO FOOT PAIN

CA residents must add 8.25% sales tax $

TOTAL

$

$

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

FREE REGULAR SHIPPING FREE

PLEASE PRINT CLEARLY

$

#95861XS Menʼs7-81⁄2

_____

INDICATE NUMBER OF PAIRS ORDERED UNDER SIZE#95862S Menʼs9-91⁄2

_____

#95863M Menʼs

10-101⁄2_____

#95864L Menʼs

11-111⁄2_____

#95865XL Menʼs12-13_____

#95866XS Ladiesʼ

5-61⁄2_____

#95867S Ladiesʼ7-71⁄2

_____

#95868M Ladiesʼ8-81⁄2

_____

#95869L Ladiesʼ9-91⁄2

_____

#95870XL Ladiesʼ10-101⁄2_____

$Add $1.00 Handling No Matter How Many You order 1.00

Back PainKnee PainHip PainAnkle Pain

HELPSPREVENT:

PREVENTS FOOT

SHOCK

BY CUSHIONING

EVERY STEP

www.DreamProductsCatalog.com Web OffersMay Vary( )

ORDER TOLL FREE 1-800-530-2689

Therapeutic Memory Scuffs

RECEIVE A

WITH EVERY ORDER

Name

Address

City ST Zip

Daytime Phone #

Email Address

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

� VISA � MasterCard � Discover®/NOVUSSMCards

Card# Expiration Date

Dept. 64752

/

$ 2.95��FOR EXPEDITED SHIPPING (optional)

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

www.amac.us | 21

Who is Herman Cain?by Justin Quinn

HERMAN 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. �

22 | www.amac.us

continued on pg. 30

In an Emergency ... Save Valuable Time

Press the Help Button ... Talk Directly to 911

Inside or Outside 600 feet

You Will Receive: $249.00 FREE Shipping• HELP Button• Lock Box• Batteries are included

You Will Receive: $149.00 FREE Shipping• HELP Button• Batteries are included

• Strobe Light• Vial of Life• 3-Year Warranty

• 3-Year Warranty

ONE TIME COST – $149 OR $249

YOU OWN IT!

SECONDS COUNTEmergency Strobe light and Help Button system

P

Emerg

..ycnegremEnanI

nottuBpleHehtsserP

gency Strobe light

emiTelbaulaVevaS..

9otyltceriDklaTTa...n

t and Help Button

e

119

n system

ou Will ReceivYYo• HELP Button• Lock Box

e in• Batteries ar

ou Will ReceivYYo• HELP Button

e in• Batteries ar

uOroedisnI

ve: $249.00 FREE Shipping

ncluded

ve: $149.00 FREE Shipping

ncluded

obe Light• Strial of Life• V

arrantyear W• 3-YYe

arrantyear W• 3-YYe

teef006edistu

Tom Hill CGA STAFF WRITER

85 87 89 91 93 95 97 99 01 03 05 07 09$1,000$2,000$3,000$4,000$5,000$6,000$7,000$8,000$9,000

$10,000

U.S. CREDIT CARD DEBT PER HOUSEHOLD ($)

(Data Source: U.S. Federal Reserve)

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.

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

Credit Card Debt? Solutions that can help you get out of debt.

ADVERTORIAL

Licensed in all 50 states. MD #5 • MI # DM 0016985

www.amac.us | 23

Seniors Paying Double Tax on Social

Security Income

...AMAC pushesfor repeal

24 | www.amac.us

One of the cruelest taxes paidby older Americans is thetax they must pay on Social

Security income. The average extratax costs each senior between$1,800 and $3,000 a year.

What had started out as a solution to help bailout Social Security 28 years ago has turned into amean blow to elderly Americans living on a fixedincome. The idea was to tax “well off” seniors tohelp balance the books and keep Social Securityin the black. Now, one out of three seniors iscaught in this trap.

Gene H. and his wife, Barbara, live in centralFlorida. They have income from Social Security, apension and they both have part time jobsearning about $4,000 total for the year. They tookthe jobs so they would have a little spendingmoney to visit their grandchildren and take someshort trips. Their income (“combined income”over $32,000*) classifies them as having“substantial income” in addition to their SocialSecurity and costs them over $1,500 in tax thatthey must pay on half of their Social Security.Now, keep in mind that they already paid incometax on their earnings before their Social Securitycontributions were paid - so they wind up beingtaxed on this income twice!

AMAC feels this tax is wrong.

It is especially wrong to tax those living on afixed income that are faced with increasing dailycosts for food and housing, before they are hitwith $4 per gallon gasoline costs! When you factorin that they have not been given a cost of livingincrease from Social Security in over 2 years, youreadily see they are being hurt by this unfairdouble tax.

There are several benefits to removing the tax onyour Social Security.

The first is how the money will be used by thefolks who will keep it. That money will be spentlocally unlike the so-called Stimulus Act; it willimmediately be put into the economy, benefitingall types of business, both large and small. Theripple effect is expected to triple the value of thefunds. The total amount of funds involved run intoseveral billions of dollars that will help prime thepump of our stagnant economy.

Secondly, it will restore some sanity in the TaxCode. If President Obama and the Congress areserious about only raising taxes on the wealthythen they should take this tax burden off themiddle class and go after the multi-millionairesand billionaires. AMAC demands they honor whatthey have said.

And lastly, it will give our elderly people livingon a fixed income a break. We owe something tothose Americans who have worked all their livesand helped build this great country. They shouldnot have to pay a penalty because they haveincome from savings or part time jobs. Let us treatthem fairly.

As you know there are other organizations thatclaim to be representing seniors yet only AMAC hastaken up this cause. Soon our members will beasked to participate in an effort to influence ourelected officials to repeal this tax. If you would liketo 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 upthe article by Dan Weber on the Social Security taxand click the red button that asks if you want tohelp.

AS YOU KNOW there are other organizations thatclaim to be representing seniors yet only AMAC hastaken up this cause. Soon our members will be askedto participate in an effort to influence our electedofficials to repeal this tax. If you would like to help inthis effort please go to: www.amac.us/remove-the-tax-on-social-security

by Daniel C. Weber

www.amac.us | 25

continued on pg. 26

How to replace the lost funds from Social Security if the tax isrepealed

Because our nation is in a state of severe debt it would not be agood idea to reduce the funds going into programs such as SocialSecurity unless there was a way to replace the funds. AMAC has at leastone proposal to do that.

Consider placing a tax on the windfall profits received by triallawyers when they win a major lawsuit. At present it is common forlawyers to receive 33 1/3% of the settlement. Why not put a cap on theattorney’s fee of 25%? On a million dollar settlement the lawyer wouldcollect $250,000 instead of $333,000 and the difference of 8% would bepaid into Social Security. The person who was injured would stillcollect the same amount.

Again, if President Obama is serious about taxing the wealthymore, isn’t that a good way of doing it?

To give you an idea of the income of some trial lawyers considerthis; John Edwards, who ran unsuccessfully for Vice President withSenator Kerry, earned 27 million dollars in the four years before he ranfor the Senate.

*note: see Internal Revenue definition of “combined income” - adjustedgross income plus nontaxable income plus one half of your social securitybenefits equals your combined income.

Double Tax

on Social SecurityIncome

26 | www.amac.us


Are you concerned about being helpless in anemergency?Are youand yourloved ones anxiousabout whatwould happen if you wereunable to get to a phone?Have you considered moving out of the homeyou love and into some kind of assisted living because of these worries?If you answered“yes” to any of thesequestions, you are not alone. Millions of seniors are concerned about their safety. Thereare products out there that claim tohelp, but they are difficult to use andeven more difficult to afford. Whymess with complicated installationsand long term contracts when there’sa product that’s simple, reliable andaffordable? The product is the Designed For Seniors® Medical Alarm.Read on and we’ll explain why everysenior in America should have one.

What will you do in case of anemergency? If you have a DesignedFor Seniors® Medical Alarm, all you

do is push a button, and you’ll immediately get the help you

need, quickly and reliably.That’s because it has been

“designed for seniors” by the industry leader

in providing helpful and affordable solutions

for millionsof aging

Americans.

First of all, it’s

simple to install and use.

Unlike other products that

require professional installation, this

product is “plug andplay.” The unit is designed for easyuse in an emergency, with large, easy-to-identify buttons.

It’s reliable. From the waterproofpendant to the sophisticated baseunit, to the state-of-the-art 24/7 callcenter, the entire system is designedto give you the peace of mind inknowing you are never alone in an emergency. You get two-waycommunication with a live personin our Emergency Response Center,and there’s a battery backup in case ofa power failure.

Best of all, it’s affordable. You get the complete system for only pennies per day. No equipmentcharge, no activation fee, no long term contract. Call now andwithin a week you or someone you love will have the peace

of mind and independence that comeswith this remarkable system.

“Good morning. This is Nancy with Medical Alarm.

Do you need assistance Mrs. Smith?”

56798

Designed For Seniors®

Medical Alarm Please mention promotional code

42945.

1-888-602-3070

Simple, Reliable, and Affordable

Equipment Cost

Activation

Contract

UL Approved Call Center

Senior Approved™

Warranty

Free Shipping

Competition

$30-$300

$10-$30

1-2 Years

Some

No

Varies

?

Designed For Seniors®

Medical Alarm

FREE

FREE

NONE

YES

YES

LIFETIME

YES

�

�

�

�

�

�

�Copyright © 2010 by firstSTREET for Boomers and Beyond, Inc.

All rights reserved.

FREE GIFT

valued at $35

The Designed For Seniors® Medical Alarm provides emergency notification that is simple, reliable and affordable.

It’s simply the best value on the market today.

Be one of the first 100 to orderand get FREE Shipping and a

FREE Gift– valued at $35. It’s yours to keep.

• Free shipping• Free activation

• No equipment cost

“New medical alarm can save you money

…and save your life!”

Fun in the SunThe Outer Banks of North Carol ina

While leaning over the kitchen sink basting a turkey,I heard laughter coming from the living room,where adult family members gathered to watch

football. As children ran circles through the house, it wasclear everyone was having a good time. We spend so muchtime prepping for the holidays only to flash forward towaving goodbye at the door. Suddenly a house once filledwith chatter is hauntingly quiet. As I moved forward pickingup empty glasses, it dawned on me that our family shouldget together more often than the holidays. If your extendedfamily is like ours, large and living in many different states,holiday visits often become the only timefor a get-together. We decided it was timeto change that by having a family week atthe beach.

If you’re looking for a relaxing seasidevacation and want to share the fun withfamily and friends, there’s no better placeto visit than the beautiful beaches of theOuter Banks. Located off the coast ofNorth Carolina, this 200 mile long stringof narrow barrier islands coversapproximately half the northern NorthCarolina Coastland. Separating Oceanfrom Sound, the Outer Banks is an idealvacation destination due to its wideexpanse of pristine beachfront andenjoyable climate.

Whether you enjoy soaking up thesun or surfing in the waves of the AtlanticOcean, the Outer Banks offers a widevariety of activities for all ages. Beautiful

beach home rentals are available, with many offering greatamenities such as swimming pools and recreation rooms.Your best bet is to book your vacation through a wellestablished realtor who is familiar with location and pricingand can offer advice on topics ranging from insurance tolinen rentals. Many of the homes are quite spacious and caneasily accommodate multiple guests and are perfect forsplitting the cost with family and friends.

Twenty-two of us were fortunate to enjoy a week’svacation in a beautiful home aptly named "God’s Promise."Though we spent a great deal of time sunbathing on the

beach and swimming in the ocean, thechildren enjoyed evening swims in thepool and the adults relaxed on the upperdeck as the sun began to set. We alsoenjoyed an evening of violin musicperformed by a talented family memberand celebrated summer birthdaysgathered around the large table sharingbirthday cake. At night the beachessparkled underneath the moon, and wetook evening walks and shinedflashlights on sand crabs digging intowet sand.

Hatteras has an interesting history.First inhabited by Native AmericanCroatan Indians, it was later explored bythe Spanish, and then the English.Named "Hattorask" on John White’s mapof 1585, Hatteras it is believed to be anEnglish rendition of a Native Americanword meaning “there is less vegetation.”

Travel�

by D.J. Wilson

Whether you enjoysoaking up the sun or

surfing in the waves of theAtlantic Ocean, the OuterBanks offers a wide variety

of activities for all ages.Beautiful beach home

rentals are available, withmany offering greatamenities such as

swimming pools andrecreation rooms.

28 | www.amac.us continued on pg. 45


SUPER

COUPON!

EASY WAYS TO SHOP!EASY WATO SHOP3

3. CALL!1-800-423-25671-8

2. GO TO!www.HarborFreight.comwww

1. VISIT!350 Stores Nationwide

SUPER

COUPON!

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








SUPER

COUPON!SUPER

COUPON!SUPER

COUPON!

FACTORY DIRECT TO YOU!

√ Over 5 MILLION NEW CUSTOMERS in the Last 2 Years!

√ NO HASSLE RETURN POLICY

√ Family Owned & Operated

√ We Will Beat Any Competitor's Price Within 1 Year of Purchase!

LIFETIME WARRANTYON ALL HAND TOOLS!

Get More Coupons at HarborFreight.com

HARBOR FREIGHT TOOLSQuality Tools at Ridiculously Low Prices

SALE STARTS TODAY!

OFFOFF20%20%

ANY SINGLE ITEM!

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

SUPER

COUPON!

FREE!FREE!

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

WITH ANY PURCHASE

SUPER

COUPON!

SUPER

COUPON!

SUPER

COUPON!

SUPER

COUPON!

3-1/2" SUPER BRIGHTNINE LED ALUMINUM

FLASHLIGHTITEM 65020

REG. PRICE $7.99

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

Generators, and much more.

NOBODY BEATS OUR QUALITY,SERVICE AND PRICE!

3-1/2 PUMPS LIFTS MOST VEHICLES!

REG. PRICE $129.99

RAPID PUMP® 1.5 TON ALUMINUM RACING JACK

$6999 LOT NO. 68053

NEW!NEW!

11 DRAWER ROLLER CABINET

$14999

LOT NO. 67421

REG. PRICE $299 .99

INCLUDES:6 Drawer Top Chest• 2 Drawer• Middle Section3 Drawer• Roller Cabinet

LOW-PROFILE CREEPER

$1799 REG. PRICE

$29 .99

LOT NO. 2745

19"

40"

Tools sold separately.

300 LB. CAPACITY

$999 REG.

PRICE $29 .99

12 VOLTMAGNETIC

TOWINGLIGHT KIT

Item 96933 shown

LOT NO. 96933/67455

105 PIECETOOL KIT

$3499 LOT NO. 4030

REG. PRICE

$64.99

4 DRAWER TOOL CHEST INCLUDED!

REG. PRICE

$19 .99

80 PIECE ROTARY TOOL SET

$699

LOT NO. 97626

SAVE $60

$8999 REG. PRICE $149.99

800 RATED WATTS/900 MAX WATTS

PORTABLE GENERATOR

LOT NO. 66619

SAVE 46%

SAVE 46% SAVE

40%

SAVE 65%

SAVE 66%

SAVE $60

SAVE $150

3 GALLON 100 PSI OILLESS PANCAKE AIR COMPRESSOR

LOT NO. 95275

REG. PRICE

$74.99 $3999

hft_amacadvantage_0711_M-REG8730.indd 1 5/26/11 4:51:15 PM

30 | www.amac.us

� Republican newcomers whoare lucky enough to break into big-time presidential politics most oftenfind themselves churned up in thefrothy waters of the nominationprocess. As they drift back out to sea,most are content with havingpositioned themselves for a future run.

Cain appears to be looking only tothe immediate future, however.Although it’s still early in the 2012 race,the former CEO of Godfather’s Pizzahas already impressed onlookers withhis personable style, his insightfulpolitical positions and his chummyrelationship with the Tea Party.

This last point is particularlynoteworthy, considering many punditsbelieve an alliance with the Tea Partycould be a potential campaign-killer.Yet Cain seems quite capable ofwalking the fine line between Tea Partypolitics and big-tent Republicanism –no easy feat. To win, Cain must attract independents andcrossover Democrats in the fall – without alienating his TeaParty supporters. Cain appeared to be laying the groundworkfor this strategy in early June when he announced he wouldhave no problem hiring an openly gay staffer.

For someone serious about earning the GOP nomination,Cain’s affiliation with the Tea Party can be risky, especially sincethe movement’s influence on presidential politics has not beentested. Yet Cain has proven throughout his career that he is amaster strategist, which means he must believe the Tea Partyhas an important role to play if his campaign is to succeed.

Born in Memphis and raised in Atlanta, Cain learned theimportance of hard work from his father, Luther Cain Jr., whoworked three jobs, and his mother, Lenora Cain, who workedas a domestic cleaner while rearing the couple’s two sons.

In 1967, Cain earned his undergraduate degree in mathfrom Morehouse College, and then put himself throughgraduate school by working full time as a ballistics specialistfor the Department of the Navy. In 1971– nearly a decadebefore the advent of the personal computer – Cain earned amaster’s degree from Perdue in computer science.

After graduation, Cain embarked on a career in thecorporate world, starting out as a business analyst for Coca-Cola. In 1977, he took a position with Pillsbury, and by the early1980s, he had risen to the rank of senior vice president.

Pillsbury executives recognized Cain’s shrewd businessacumen, and saddled him with the task of managing one of thecompany’s lowest-performing market subsidiaries: 450 BurgerKing stores in the Philadelphia area. In just three years, thestores Cain managed were among the organization’s topfinancial performers. His success earned him a shot at theposition that would ultimately turn him into a corporatemanagement legend. Pillsbury put him in charge of another

one of its failing subsidiaries, naminghim president and CEO of Godfather’sPizza. Though it was on the verge ofcollapse, Cain returned the business tothe black in just 14 months.

Although Cain is best known forthese business achievements, he ismore familiar with the inner workingsof politics than many might think. Asvolunteer chair of the NationalRestaurant Association in 1993 and1994, Cain endeared himself toconservatives by taking a vocal stanceagainst the universal health care plansponsored by the president and hiswife, Hillary Clinton. Many still seeCain’s opposition to ClintonCare as theprimary reason for the plan’s demise.

In 1992, Cain joined the KansasCity Federal Reserve Bank, one of only12 regional banks that advise theFederal Reserve. Cain ascended todeputy chairman before taking over aschairman in 1995. By all accounts,

Cain was highly respected as chairman before he left in 1996 tohelp Bob Dole derail Bill Clinton’s bid for a second term. Cainserved as the campaign’s senior economic advisor.

It would be another eight years before Cain would enterthe national spotlight as a political candidate. In 2004, he ranfor the Georgia Senate seat, which was then being vacated byDemocrat Zell Miller. Cain came close to earning his party’snomination, but ultimately lost in the Republican primary.

Cain’s presidential bid in 2012 was seen originally as a longshot, but he is now generally considered a serious contender.Ever the strategist, Cain spent 2010 visiting battleground statesand speaking at Tea Party rallies. In early 2011, he spoke at theConservative Political Action Conference and generated thekind of buzz typically only enjoyed by major politicians.

Cain continues to do well in hypothetical primarymatchups and early polling. In one, he edged Palin. In another,he was on par with Romney. A poll taken in his home state ofGeorgia, which Cain shares with fellow GOP contender NewtGingrich, showed Cain leading the former House Speaker by awide margin.

On May 5, Cain participated in a Republican debate withfive other potential presidential candidates on FOX News andblew away the competition with his polished responses,pointed manner and likeable personality.

The biggest challenge Cain will face is the hype factor. Thebetter he does on the campaign trail, the more scrutiny he’sgoing to attract from Democrats and opposition researchers.Conservatives have reason to be excited about Cain’scandidacy, but for the moment their enthusiasm is temperedwith caution.

After all, if conservatives learned anything from the lastpresidential election, it was to avoid getting too excited too fast.

Born in Memphis and raised inAtlanta, Cain learned the importance

of hard work from his father, LutherCain Jr., who worked three jobs, and

his mother, Lenora Cain, whoworked as a domestic cleaner while

rearing the couple’s two sons.

Who isHerman Cain?


OUR LOWEST PRICE EVER!

Satisfaction Guaranteed or Return For Your Money Back

For centuries, men and women have turned tothe power of natural healing to improve theirhealth and relieve their aches and pains. Nowyou can, too – at 50% OFF SAVINGS! BothMAGNETIC COPPER BRACELETS have apowerful, 1,600-gauss magnet embedded inthe underside of each link. That allows for360º of continuous therapeutic healing andprotection. Men’s 81⁄2" L bracelet has 19 links.Ladies’ 71⁄2" L bracelet has 21 links. Coppertone finish over metal alloy. SAVE50% on each when you order now.

Miracle MAGNETIC COPPER BRACELETS

TOTAL $

$3.95

$

$

$

Regular Shipping & Handling Add $3.95 no matter how many ordered

www.DreamProductsCatalog.com web offersmay vary

ORDER NOWTOLL-FREE 1-800-530-2689OR

CA residents must add 7.25% sales tax

Save

50%

Save

50%

(99620)________ Men’s Miracle Magnetic

Copper Bracelets @ $6.48 Each

________ Ladies’ Miracle Magnetic Copper Bracelets @ $6.48 Each

(99619)

SAVE

50%$648

Was $12.97

HANDSOME!COMFORTABLE!Separately Sized For

Men & Women!

NOWONLY each

MEN’S

LADIES’

MiracleMAGNETIC COPPER

Bracelets

A Magnet On Each LinkSurrounds Your Wrist

With Penetrating Therapy!

Trusted For Centuries To Help: � IMPROVE CIRCULATION� RELIEVE FATIGUE� REDUCE JOINT ACHES

Believed ToHeal YourAches &

Pains Naturally!

RECEIVE A

WITH EVERY ORDER

EachMagnet Has1,600 Gauss Therapeutic

Power

Name

Address

City ST Zip

Daytime Phone #

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

� VISA � MasterCard � Discover®/NOVUSSMCards

Card# Expiration Date

Dept. 64707

/

FOR EXPEDITED SHIPPING (optional)Add An Additional $2.95

(receive your order 5-7 days from shipment) $ 2.95��

www.amac.us | 31

32 | www.amac.us

Retire inParadise!

“We did, in upstate South Carolina”

• Clemson University• 18,500 acre Lake Keowee• Blue Ridge Mountains• Great Weather• Beautiful Greenville• Hikes and Waterfalls• Active, Healthy Lifestyle• People with "values"

816 Bypass 123Seneca, SC 29672

For information and any lifestyle questions contact:

STEVE TAYLOR“I’ve been there and done that!”

[email protected]

Harold Bremser Jr.National Reverse Mortgage Specialist

www.ReverseMortgageInfoUSA.comDirect: 1-800-591-7080 | Corp: 1-800-486-8786 Ext. 745

Fax: 954-212-9202 | Email: [email protected]

Reverse MortgageRebate Program

Receive up to $10,854 in additional funds onan FHA Insured Fixed Rate Reverse Mortgage.Receive this through a Fee Rebate Program given right at the time

of closing of up to $4,854 for your upfront Mortgage InsurancePremium. Also save up to $6,000 by not having a loan originationfee. See why seniors all across America are using iReverse HomeLoans for their reverse mortgages. Receive even more money bynot having a Monthly Service Fee, or a Monthly Service Set-Aside.

Amed Response Corp. • 2211 Rte. 112 • Medford, NY 11763 1-855-788-2010

Life Buddy is there for yourloved ones when you can’t beNo contracts required

Cancel at any time!

Free Lifetime Warranty!

Free Wireless Pendant!

The Life Buddy is a personal alert system that can help youand your loved ones in case of an emergency. With a Life Buddyresponse system in your home, you now have an instant link to ourCentral Monitoring Station where Emergency Medical Technicians arestaffed 24 hrs. a day to stay on the phone with you until EMS arrives.

The Central Monitoring Station can notify Emergency MedicalServices immediately and provide a list of medications, medicalhistory, as well as their doctor’s phone number. In non-emergencysituations the Life Buddy can also be used to contact a list of entrustedpeople to respond to the call for help. American Monitoring Emergency Dispatch

Amed

Life BuddyPersonalResponseSystem

AMAC Members receive exclusive pricing!$49.95 initialsetup fee and$29.95 per monthmonitoring fee(normally $199.99 and$34.95 monthly).

“Well, I finally did it. I finally decided to enter the digital age andget a cell phone. My kids have been bugging me, my book groupmade fun of me, and the last straw was when my car brokedown, and I was stuck by the highway for an hour before some-one stopped to help. But when I went to the cell phone store, Ialmost changed my mind. The phones are so small I can’t see thenumbers, much less push the right one. They all have cameras, computers and a “global-positioning”something or other that’s supposed to spot mefrom space. Goodness, all I want to do is to beable to talk to my grandkids! The people atthe store weren’t much help. They couldn’tunderstand why someone wouldn’t want aphone the size of a postage stamp. And the rate plans! They were complicated, confusing, and expensive… and the contract lasted for two years! I’d almostgiven up when a friend told me about her new Jitterbug phone. Now, I have theconvenience and safety of being able to stayin touch… with a phone I can actually use.”

The cell phone that’s right for me. Sometimes I think the people who designed this phone and the rate planshad me in mind. The phone fits easilyin my pocket, and flips open toreach from my mouth to my ear.The display is large and backlit, soI can actually see who is calling.With a push of a button I canamplify the volume, and if Idon’t know a number, I cansimply push “0” for a friendly,helpful operator that will lookit up and even dial it for me.The Jitterbug also reduces

background noise, making the sound loud and clear. There’s evena dial tone, so I know the phone is ready to use.

Affordable plans that I can understand – and no contract tosign! Unlike other cell phones, Jitterbug has plans that makesense. Why should I pay for minutes I’m never going to use?And if I do talk more than I plan, I won’t find myself with no

minutes like my friend who has a prepaid phone. Best of all,there is no contract to sign – so I’m not locked in for years

at a time or subject to termination fees. TheU.S.–based customer service is second tonone, and the phone gets service virtuallyanywhere in the country.

Call now and get a FREE Car Chargerand FREE Leather Carrying Case – a$43.99 value. Try Jitterbug for 30 daysand if you don't love it, just return it1.Why wait, the Jitterbug comes ready touse right out of the box. If you aren’t ashappy with it as I am, you can return itfor a refund of the purchase price. Callnow, the Jitterbug product experts areready to answer your questions.

IMPORTANT CONSUMER INFORMATION: Jitterbug is owned by GreatCall, Inc. Your invoices will come from GreatCall. All rate plans and services require the purchase of a Jitterbug phone and a one-time set up fee of $35. Coverage and serviceis not available everywhere. Other charges and restrictions may apply. Screen images simulated. There are no additional fees to call Jitterbug’s 24-hour U.S. Based Customer Service. However, for calls to an Operator in which a service is completed, minutes will be deducted from your monthly balance equal to the length of the call and any call connected by the Operator, plus an additional 5 minutes. Monthly rate plans do not include government taxes or assessment surcharges. Prices and fees subject to change. 1We will refund the full price of the Jitterbug phone if it is returned within 30 days of purchase in like-new condition. We will also refund your first monthly service charge if you have less than30 minutes of usage. If you have more than 30 minutes of usage, a per minute charge of 35 cents will apply for each minute over 30 minutes. The activation fee and shipping charges are not refundable. Jitterbug is a registered trademark of GreatCall, Inc. Samsung is a registered trademark of Samsung Electronics America, Inc. and/or its related entities. Copyright © 2011 GreatCall, Inc. Copyright © 2011 by firstSTREET for Boomers and Beyond, Inc. All rights reserved.

Monthly RateOperator Assistance

911 AccessLong Distance Calls

Voice DialNationwide Coverage

Friendly Return Policy

$14.9924/7

FREENo add’l charge

FREEYes

30 days

$19.9924/7

FREENo add’l charge

FREEYes

30 days

50 100Monthly Minutes

1

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

PriceReduced

by $48No

Contra

ct

We proudly accept the following credit cards.

4748

6Available in

Graphite and Red.

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

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

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

1-888-759-2844 www.jitterbugdirect.com

www.amac.us | 33

AMAC AmbassadorLeadership Program

If you feel strongly that our freedom, which isguaranteed by the Constitution, is being threatened,that government is getting out of control and thatour way of life is under attack, then we want you inour Ambassador Leadership Program.

We want YOU in our army…on the right side. Formore information on the Ambassador LeadershipProgram and how you can help fight the good fight,email AMAC at [email protected].

AMAC in Action�

Florida Tea Party ConventionAMAC will sponsor and attend the Florida Tea Party

Convention Nov 4-6, 2011 in Daytona Beach FL.

6th annual ValueVoters Summit

AMAC will be attending the 6thannual Value Voters Summit inWashington, D.C. on Oct. 7-9, 2011, anevent billed as the nation’s largestsocial conservative conference.

For more information visit:www.valuevoterssummit.org

� LIMIT GOVERNMENT

� REDUCE SPENDING

� CHAMPION TRADITIONALVALUES

� PROTECT AMERICA

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

Marble size AquaClearTM Pelletsclear your lake or pond bottom.Beneficial microorganisms.Restore balance in natural andman made surface waters.Increase water clarity. Improvewater quality. Eliminate blackorganic muck.A 10 lb. bagtreats 0.5 to 1.0 acres - $69.95.A 50 lb. bagtreats 2.5 to 5.0 acres - $269.95.Apply weekly for 4 weeks, thenmonthly to maintain. No water userestrictions! FREE SHIPPING!

Write for FREE information:

Our 56th yearPO Box 10748, DEPT. 63GXWhite Bear Lake, MN 55110-0748

AQUACIDE CO.

Get theMuckOUT!

lM Pellets

clear your laqkk dor pond bottom.qe

Beneficial microorganisms.Restore balance in natural andman made surface waters.nI cre esa aw et r lc arity. mI provewater quality. Eliminate blackorganic muck.A 10 lb. bag

0staerret . 1ot5 0. acres - $69.95.

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

A 50 lb. bagtsaerret st ot5.2 0.5 acreer s - $269.95.

foylkeewylppA of r 4 ew ke ,s t eh nm no thly otto m iantaiat n. oN aw etter user se tri tc i sno ! RFFREEEE SHI PIPIIPH INP GNI !

Write for FREE information:

PO Box 10748 DEPT 63GX

PO Box 10748, DEPT..T 63GXWhite Bear Lake, MN 55110-0748

34 | www.amac.us

puzzles on pg. 42

PuzzleSolutions

FREE Hearing Aid CatalogShop by mail and Save 80%

SEND NO MONEY! Clip & mail this coupon today for your free catalog!YES! I would like a free shop-from-home hearing aid catalog. I understand there is

no obligation and I get FREE shipping. www.HearingHelpExpress.com/49801

Dr./Mr./Mrs./Ms.

Address

City/State/Zip

�

Mail to:Hearing Help Express • 105 North First St., Dept 49-801 • DeKalb, IL 60115-0586

�

Our Customers Say it Best!

Actual quotes from our customers.Printed with their permission.

“Price is right! Works betterthan aids I bought locally.”

F.E. – Texas

“I like the way it fits. I canhear really well with it. Forthe first time I can hear mygranddaughter talk.”

I.J. – North Dakota

“I wore it to Bingo the othernight and could hear whatfriends were saying for achange.” R. Kissling – Florida

“I can hear the TVand understandthe words which Icould not do withmy $5,000 aid.”

M. L. – California

Call today for yourFREE catalog!

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

How do you save so much?

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

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

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

Shop-from-home Hearing Aid Catalog High-quality hearing aids priced at far less than the nationalaverage. Call today for free information: 1-800-782-6316

Products praised byThe Wall Street Journal

Risk-FREE offer

45-day home trial

Arrives ready to use

Compare to hearing aidscosting $1,000 or more

Ready to use In-the-Ear Hearing Aids

Custom Fit In-the-Ear

Hearing AidsBehind-the-Ear

Hearing Aids

© Hearing Help Express®, Inc.Great fit!

www.amac.us | 35

36 | www.amac.us

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

Pretax Income: MonthlyWages & Bonuses: $Interest Income: $ Investment income (dividends, capital gains) $Other: $

Income Subtotal: $

Income Taxes Withheld: MonthlyFederal: $State & Local $Social Security / Medicare $Other: $

Income Taxes Subtotal: $

Monthly Income after Taxes: $

Savings & Investments: MonthlySavings 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: Monthly Budget Amount Monthly Actual Amount +/-$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 $ $ $

Variable Expenses: Monthly Budget Amount Monthly Actual Amount +/-$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 Variable Expenses Subtotal: $ $ $

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


www.amac.us | 37

Love Restored

1-800-475-3091

20Most Trusted Since 1988Most Trusted Since 1988

UrologistRecommended

#1

RevivePremium.com

Only Encore includes both a Manual & Battery Pump in our Medicare System

Revive Premium is truly a breakthrough intechnology and design and effectivelytreats Erectile Dysfunction with provenresults (over 96%). If you are sufferingfrom ED for any reason, the RevivePremium System will restore your intimacyand return this part of your life back to you.We have helped over 3 million couplesrestore their intimacy. Call Today andGet Your Love life back!

Approved by the FDA

Lifetime Warranty

Get Your Love Life back Today!

Number One Urologist Recommended

New Breakthrough Design!

The Encore Difference

APPROVED BYMEDICARE

“The Most Prescribed Vacuum Therapy System Worldwide”

Compact & Lightweight

Over 96% Effective with No Side Effects

& Most Private Insurance

Revive Premium - A Clinically Proven Treatment for Erectile Dysfunction

i iPiR

h ik hl b

tn this pareturand rem wistyemium SrP

easy ror anom ED ffrer 96%). Ivesults (or

sfuytile Dects Ereatrechnology and dest

emium is trre PevivR

oo ye back tour lifof ytimacour ine yorestll r

eevivson, the Ringere suffou arf y

envotion with prncelytivecn and effffeig

ough ineakthrruly a br

ouyc

n

e bae liffevoour LYYoetGtimace their inorestr

eve helped ove haWt n this pareturand r

e incorrenly EncO

N

ack!y andodaTToall. Cycouples3 million cer

oo ye back tour lifof y

othbcludes

ghoueakthrroBrNew

.ou

esign!D evopprroA

Ay the FDDAed bby

earreMedic in oural & Batua Man

e incorrenly EncO

N

emystSSyumpy Perryt

othbcludes

wO

C

gh oueakthrroBrNew

tsffecNo Side Ewithetivffec96% EervveO

ewt & LightompacC

esign!D

omm RecerNumb

Lifetime

evopprroA

s

eight

mendedgistolo Urroner O

yanttyarrraWWae

Ay the FDDAed bby

e Life bacvveoL

day!ock TTo

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 arethe Goliath. We are the David. We smile as we say: “and you know who won!” We arenow the largest conservative senior’s organization in the United States. But comparedto AARP, we’re still small. That is why we need a veritable army of concerned, convictedbelievers to help bring our conservative message to America. It is my hope…secondedby Dan Weber, our President and Founder…that you will join our army, or recommit tothe tasks we have ahead of us. We want YOU in our army…on the right side. For moreinformation on the Ambassador Leadership Program and how you can help fight thegood fight, email AMAC at [email protected]

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 giveninstructions for seven drugs to be taken over 24 hours, and told to create the simplestschedule. The simplest was four times a day. But Dr. Wolf says fewer than 15 percentgot 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 cocoarich 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. Hesays, “Higher cocoa flavonoid consumption reduced systolic blood pressure, reducedLDL 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 AmericanHeart Association conference on nutrition and physical activity.

A Different Kind of President 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 WhiteHouse, they lived their entire lives there.

When he retired from office in 1952, his income was a U.S. Army pension reportedto have been $13,507.72 a year. Congress, noting that he was paying for his stamps andpersonally 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 toMissouri by themselves. There was no Secret Service following them.

When offered corporate positions at large salaries, he declined, stating, "You don'twant me. You want the office of the President, and that doesn't belong to me. It belongsto the American people and it's not for sale."

On May 6, 1971, when Congress was preparing to award him the Medal of Honor onhis 87th birthday, he refused to accept it, writing, "I don't consider that I have doneanything 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 tobecome quite wealthy while enjoying the fruits of theiroffices. Political offices are now for sale.

Good old Harry Truman was correct when heobserved, "My choices in life were either to be a pianoplayer in a whorehouse or a politician. And to tell thetruth, there's hardly any difference!”

By Fido - yourgovernment watchdog

Which of the following would you prefer to keep Social Security solvent?• Change age for maximum benefit from 66 to 69 but

allow younger people to have a tax deductible SocialSecurity IRA that they could start collecting at age 62-65

• Change age for maximum benefit from 66 to 69

• Raise payroll taxes

• Eliminate cost of living increases

AMACMember Poll

Please provide uswith your feedback

and complete ourmember poll atwww.amac.us!

Obamacare WaiversAMAC asks why the Obama

administration has granted over 1,400Obamacare waivers? If Obamacare is so good,why so many waivers?

The Daily Caller reported that of the 204waivers approved in April, 38 went tobusinesses in House Minority Leader NancyPelosi's district. Organizations who receive awaiver are granted a one-year exemptionfrom a new coverage requirement included inthe healthcare reform law enacted almost ayear ago.

On September 22, waiver applications willno longer be accepted, which could forceplans to close down or increase premiumssignificantly, leaving more people uninsured.Waivers were being granted mostly toDemocratic districts and organizations wholobbied in favor of the overhaul from thebeginning (Nancy Pelosi’s district nettednearly 20% of all waivers) while groups likethe AARP got waivers as well.

Social Security Tax ReformA message from Dan Weber, President &Founder, AMAC.

We’d like to take this opportunity toprovide AMAC members with an update onwhat we are working on currently. Based onour recent membership poll regarding SocialSecurity tax reform, an overwhelming portionof AMAC membership supports theelimination of the tax on Social Securitybenefits. On this issue, we have initiated acampaign to bring this issue to the attentionof Congress, and have started a dialogue withkey Congressional committees to considerthis problem. While the first steps on thisfront have been taken, much work remains tobe done. But rest assured, we will continue tofight for the reform of this onerous double-taxand will keep you all posted on alldevelopments moving forth. Thank you foryour support.

Remove the Tax on Social Security. Visitour website at www.amac.us and sign uphere to help in the fight to remove the tax onSocial Security

38 | www.amac.us

All this for ONLY

$2995($79 combined retail value)

Save62%

It's the complete package for the smoker:twenty Thompson handmade, imported Dominican cigars, a dependable windprooflighter, and a solidly constructed cedar-lineddivided humidor whose quadrant hinges, humidification system and hygrometer makeit a veritable vault to protect your puros. Thisexquisitely fashioned humidor is handsomeenough to grace any smoker’s desk.

At the low, low price of $29.95 for a regular $79 value, thisreally is quite an offer.I’m making it to intro-duce new customers to Thompson & Co.,America’s oldest mail-order cigar company.Since 1915 our cus-tomers have enjoyed arich variety of cigarsand smokers’ articles.Cigar sizes may vary.

Holds up to40 cigars

©20

11 T

hom

pson

Cig

ar C

o.

America’s Oldest

Mail Order Cigar

Company, Est 1915

P.O. Box 31274

Tampa, FL 33631-3274

Fax: 813-882-4605

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

AUCTION – BID on Your Favorite Cigars! Start as low as $1Go to: www.thompsoncigarauctions.com updated daily!

We now carry: • Swisher Sweets • Phillies • Black & Mild...

Use promo code T9380for special pricing

Promo CodeT9380

1-888-234-8675

www.amac.us | 39

Fresh from theFarmstand

Food: from Kathies’ Kitchen�

Tomato Pie1 - prepared pie crust3 Tbs. Dijon mustard2 cups shredded mozzarella cheese5 Roma tomatoes – sliced1 ½ tsp. minced garlicoreganoParmesan cheese

Preheat oven to 375 degrees. Fit the crust into the pieplate, and flute the edge. Prick the bottom and sides ofthe crust with a fork. Bake for 10 minutes. Removefrom oven. Brush crust with Dijon mustard. Place themozzarella cheese in the bottom of the crust. Top withsliced tomatoes. Sprinkle with garlic and oregano.Return pie to the oven and bake for 30 minutes.Sprinkle with Parmesan cheese and bake for anadditional 10 minutes, or until golden.

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

40 | www.amac.us

� Look for brightly colored vegetables which have blemish-free surfaces, andregular, characteristic shapes and sizes.

� Choose in-season fruits and vegetables. Buying at the right time of yearensures the best flavor and lowest price.

� Remove and discard any bruised or nicked items from bags of produce.One moldy or slimy item can spoil the entire bag.

� Buy only the fresh vegetables that you plan to eat within a few days. Long storage time reduces nutrient levelsand taste.

� Don’t wash vegetables before storing. Make sure all produce is dry.

� Store vegetables according to their type. Root vegetables, such as potatoes and onions should be stored in acool, 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.

� Wash vegetables thoroughly before cooking. Use a small scrub brush to help clean potatoes, cucumbers andother vegetables whose skins are edible.

� Most vegetables taste just as good raw as they docooked – toss chopped vegetables into a saladalong with a variety of lettuces.

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

� Consider canning or pickling summervegetables. Beans, carrots and tomatoes areespecially good for canning. Cabbage,cucumbers and cauliflower for pickling.

Zucchini Bread3 eggs2 cups sugar1 cup vegetable oil 2 cups peeled, shredded raw zucchini3 tsp. vanilla3 cups all purpose flour1 tsp. salt1 tsp. baking soda¼ tsp. baking powder3 tsp. cinnamon1 cup walnuts – coarsely chopped

Preheat oven to 350 degrees. Beat eggs until light andfoamy. Add sugar, oil, zucchini and vanilla. Mix well.Combine flour, salt, baking soda, baking powder andcinnamon in a separate bowl. Stir dry ingredients intoegg mixture until well combined. Add nuts. Pour into2 greased loaf pans. Bake for 1 hour or until a toothpickinserted in the center comes out clean. Cool on rack.

Eggplant Flatbread1 medium eggplant – cut into ¼ inch slicesCoarse salt1 ball of homemade or store-bought pizza doughAll purpose flour6 Tbs. olive oil1 cup shredded mozzarella cheese2 Tbs. fresh oregano - choppedToss eggplant slices with 1 ½ tsp. of salt. Place in acolander, and let stand for 30 minutes. Press slicesbetween paper towels to dry and set aside.

Preheat the oven to 400 degrees. Place a baking sheetin the oven. On a floured surface, roll out dough to a ½inch thickness. Sprinkle another inverted baking sheetwith flour. Transfer the dough onto this sheet. Brushdough with 3 Tbs. oil. Sprinkle with ½ cup of cheese.Layer with the eggplant; and top with the remaining 3Tbs. oil, oregano and ½ cup of cheese. Let stand for 30minutes.

Carefully transfer dough from the inverted bakingsheet to the heated baking sheet. Return to the ovenand bake for 20 minutes, or until the bottom of thedough is crispy and the edges are golden.

Cucumbers withDressing1 cup mayonnaise¼ cup sugar¼ cup white vinegar¼ tsp. salt4 cups cucumbers – peeled and thinly sliced

Combine mayonnaise, sugar, vinegar and salt. Addcucumbers and stir to coat. Cover and refrigerate for2 hours.

�“Veggie Tips”

www.amac.us | 41

ACROSS1. Go across5. In progress10. Room at the top14. Letterhead feature15. Stage between egg and

pupa16. Wheel shaft17. ___-friendly18. Emancipation20. Relaxing22. Remainder23. Concealed24. Lifeless25. Unexploited32. Wavelike design33. Demean34. Tattered cloth37. Brought into existence38. Used a broom39. Palisade40. Half of two41. Anxious42. Packed43. Booking45. A Muse49. Website address50. Drunken revelry

53. Gathered into a ruffle57. Powered by electricity59. It smells60. It comes from cows61. Hemorrhagic fever62. Completed63. Cards with just one

symbol64. Adult females65. Flower stalk

DOWN 1. Aspersion2. Sit for a photo3. Matures4. Of the Arctic5. Make a disguised

reference to6. Flunk7. Sphere8. Not under9. Container weight10. The language of ancient

Rome11. Rust, for example12. Ground grain13. Article of faith 19.

Comment to theaudience

21. Half of ten25. Eardrum26. Midday27. Dreadful28. Grass gardens29. Overweight30. What we write on31. Estimate (abbrev.)34. Hindu princess35. As well36. Secluded valley38. Behold39. Marshes 41. A freshwater fish

42. Have the nerve44. Mr. Spock's planet45. Swelling under the skin46. Museum piece47. Poplar tree48. Pushpins51. They man a ship52. Vagabond53. Heap54. Honk55. Slave56. Consider58. French for "Name"

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

SudokuJoke of the Month

Heard any good oneslately? Send them in!

Crossword

• 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

How to Play:

Please submit your joke byemailing [email protected] or mailingto Joke of the Month, c/o AMAC5 Orville Drive, Suite 400,Bohemia, NY 11716. Your jokemay be featured in our nextmagazine!

Just for Fun

☺

42 | www.amac.us

Solutions on pg. 34

�� !"##��$

%�� &� �� '�� (��)�

*��+��'�� ,� �� -�� +�� )�

.�� ,�� )�

�� ,� ��+��,�� !"##/��)�

/�� +�� '��&� ��&� �� +��'��)�

%��01�� '��!"##�/��$

%�� !�1�&�� 22��,�� ).��(��!�"#)##�� $�

3�� &��,�� $

�� 0#+��/��+4�� 5��+�� +��)�

%� �� '�� ,�� )�.�� ,�� -�� 6��+�� .��)�

%�� '�� +�� +��)� *�� ,�� &� �� ,�(� �� ,�� )7�� ,�� $�

%�� )� 3�� 86�� /��&� � �� &��)�

.�� 9#� ��

�� '�� )�

.� �� ,��+�� &� *�� :�� 6�� &��5��)�

Q. How can youoffer such a high qualitysound system in theWedge for only $147 whenthe Leading Brand’s radiogoes for $500?

%)�� )� %�� +�� &� �� +�� '��&� ��,��)

Q. How can thetabletop Wedge SoundSystem produce suchlifelike sounds?

%)�;��+�� +�� ,��)

.�� ,��,�� ,�� ,��)�

Q. How easy is it toset up the Wedge SoundSystem?

%)� .�� ++�� )�%��+�� -��(�� )�

<� �� ,�� +��,��)

End of interview.:��

�� ,��3:==�:��3:==� �� +��,�� #� ��)� �� :��(�6��8�� )� 3�� #��&�,�� )

�� ,�� 3:==��>��+��$� � 8�� )� *�� &� �� +�� (� ,�� ,�� '�� !�1�)

?9#��*>��/ �+@@�@�;39�0"#:+��%� �� /��

Readers of this publication get a FREE Remote Controland FREE shipping A!�#)##� ��B ,��!�1�&��,��#��)�%�� +��,�� )�9��!��C��&� �� !�� )� .��(�� !19)##$��.��+�� )�D .��&��.;EE+3:==�1-800-588-5609 and

give the operator your Offer Code: WDR318)��)��;��/��+�3��0��+��&��+�/��+��&�=�.)

D .��&��,)

.��0#+��)*��&��,��

��)��<�'��)��FFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFF<%/=FFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFF%66:=��FFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFF8*.7��.%.=��G*��8;6=

*��,��#��&��*��FREE Remote Control&��FREE shippingand handling. /��!�1��&��!9�@��9��!�CC��)��H��I�FFFFFF*��#��&��*��3:==�:��3:==��+�� !�"�)

=��!FFFFFFFFFFF��I�� 8�� /��;��A/��*>�B�

��I� J*�%�� /��8��%�)�= �)K;��6�� K< ��

%��<)�FFFFFFFFFFFFFFFFFFFFFFF�= �)�6��FFFKFFFMAIL TO: *��>��&�;��8��I��6:��@

�@##��% ��<�8��&�;>�11�0�

��;��8��I��6:��@��,,,),��)��

CALL 1-800-588-5609

Public outcry over shocking survey results!

73% pick the Wedge Sound System in a headto head test against the $500 competition

1,000s of satisfied Wedge owners spark buying frenzyHas more features, costs $100s less and has amazing sound

“The sound is so rich and clear from such a smallpiece. I was really amazed and pleased.”

-Bronwyn M. Owens, Taylor, MI

“Radio has excellent sound. Its clarity is excellentand it’s like people are in the room. Who needs astereo system!!”

-Shelley Pearson, Poplar, WI

Here’s what a few of the thousandsof Wedge listeners have to say:

“Wow, you caught me off guard. The compactWedge System sounds and looks great. I wasvery surprised...”

-Chuck Zabriski, St. Petersburg, FL

Wedge Sound System shocks the music community!.��,�� 22��,�� )�<� ��'��,��)�3��'��)

Plug, Play, Listen

Wedge

Price $147 $500

Adjusts for Daylight Savings Time YES NO

Stores 20 Favorite Radio Stations YES NO

2 Separate Battery Back-ups YES NO

2 Separate Alarms YES NO

SD Memory Slot for Mp3s YES NO

Displays Day of Week YES NO

Nap Alarm YES NO

Remote Control YES YES

Able to Operate Without Remote YES NO

Play Music From iPod®(mp3 player) YES YES

#1 Pick in Survey YES NO

Wedge has more features! LeadingBrand

SPECIAL READER’S DISCOUNT COUPON

www.amac.us | 43

44 | www.amac.us

Hotels/Motels

Red Roof Inn: 1-800-RedRoof

Motel 6: 1-800-4Motel6

Choice Hotels: 1-800-4Choice

Wyndham Hotel Group: 1-877-670-7088

NationalDiscounts

Personal Monitoring Devices andAlarm Services

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

MedFlash888-696-3346AMAC Members will receive 3 months at no chargewith the purchase of the annual program startingat $16.95, savings up to 30%

Online Shopping

AMAC Shop Online: www.amac.usShop online at over 1,000 brand name stores andreceive up to 30% cash back.

Mature Driver Course

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

Pet Supplies & Medication

Pet Meds: 1-800-738-6337

Identity Theft Protection

LifeLock: 1-800-LifeLock

Hearing Care

Beltone Hearing: 1-800-Beltone

Health,Insurance &

Financial 1-888-262-2006 or online at www.amac.us

AMAC Medicare/HealthcareInsurance:Medicare Supplemental coverage for those enrolledin Medicare A&B. Turning 65? Call AMAC SeniorResources Network to find out your options. Medicare Advantage Plans, Prescription DrugCoverage also available.

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

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

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

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

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

Home & Auto

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

Car Rentals

Budget:1-800-527-0700

Hertz: 1-800-CarGold

Avis: 1-800-230-4898

To become an AMAC member and enjoy our member benefits, call 1-888-262-2006.

Member Benefits Directory

Use your MembershipCard and save!! 2011

MEMBER:

www.AMAC.US1-888-262-2006

1

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

European settlers sparsely populated the Island andgardened, fished, hunted and raised livestock. Since a majorshipping route ran past Hatteras, near the Island’sdangerous shoals, they may have combed the beaches forlost cargo from shipwrecks.

The 1700s were hard on the Native Americans. Warringtribes, facing poverty and with no defense against Europeandisease, diminished. Settlers logged and let their livestockroam freely, causing destruction to Island vegetation.Shipwrecks were common due to strong currents, windsand storms. With so many shipwrecks, salvaging for lootbecame a viable occupation. The Outer Banks were a notedhaven for pirates including the infamous Blackbeard. In1846 a hurricane caused an Inlet to open, separatingHatteras Island from Ocracoke, thus forming the OregonInlet. The Hatteras Inlet was deep and navigable, so Hatterasattracted maritime traffic.

Visitors enjoy scuba diving, surfing, kayaking, fishingand bird watching. Cape Hatteras is located along theAtlantic Flyway, an important stretch of land for migratorybirds. Bring your vehicle and take a ferry across to OcracokeIsland to explore the "Pearl of the Outer Banks." Go back inhistory to the place where the notorious Blackbeard foughtand died in a naval battle. On Ocracoke, enjoy local wildlifesuch as the Ocracoke ponies; visit historic sites, shops andrestaurants. The Wright Brothers Memorial, located in KillDevil 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 entirelyup to you.

Jutting out into the Atlantic, Cape Hatteras is alsoknown for being in the path of Hurricanes moving up theEast Coast. Hurricane Isabel struck in 2003, devastating theIsland which has since recovered. If you plan your vacationduring hurricane season, typically from mid August toSeptember, you are encouraged to obtain travel insurance.Your reputable realtor from Hatteras will be happy toanswer your concerns regarding coverage.

Our family gathering on Hatteras was quite memorable.As our children grow, it is pleasing to know they will havememories of time shared not only with siblings and parents,but with cousins, aunts, uncles and grandparents. When Iclose my eyes, I can almost hear the waves meeting theshore, the eloquent violin music which filled the walls of"God’s Promise," and the sounds of our family singing thewords to "Happy Birthday," colorfully yet quite off key. As Ireminisce and replay scenes of our vacation in my head, onestands out in particular. It was a rather misty evening whenI captured a glimpse of my father and daughter strolling sideby side searching for shells in the sand. It’s one of thosemoments I’ll treasure forever. Make the Outer Banks ofNorth Carolina the beautiful backdrop to your memorablefamily vacation.

Fun in the Sun

www.amac.us | 45

1. A Tribute to George Gershwin(Medley)

2. Fantasy Impromptu3. Holiday For Strings4. Malaguena5. Tennessee Jubilee (Medley)6. Beer Barrel Polka7. America, We Love You (Medley)8. Mac Arthur Park9. Tribute To Elvis (Medley)10. Granada Carneval (Medly)11. In The Mood12. Class N' Gas (Medley)13. Amen14. A World of Love (Medley)

Copyright © 2010 George Michaud,Michlind/Harpland Music. All Rights Reserved

Love Drops1. Unchained Melody2. What are you doing the rest

of your life3. The Rose4. Love Story5. Somewhere In Time6. Theme From Ice Castle7. Pachelbel's Canon8. Wind Beneath My Wings9. The Summer of '4210. Autumn Leaves11. First Time Ever I Saw

Your Face12. Windmills Of Your Mind13. Don't Cry For Me Argentina14. Music Of The Night

Who canforget?Harpist

Lloyd Lindroth

ORDER YOUR CDs TODAY!

Name:

Address:

City: State: ZIP:Pay with PayPal at our website: www.harplandmusic.com

OR Send check or money order payable to: George MichaudPO Box 16761 • Kansas City, MO 64133

AMAC members use CODE “AMAC1” for 20% discount

Music of the Cascades

Each Qty. TotalMusic of the Cascades (live) 15.99 ____ ________Love Drops 15.99 ____ ________

Grand Total ________

• Harp! the Herald Angels SIng (Christmas CD)

• Welcome To My World (Country Harp CD)

• Golden Harp Treasury CD• What God Looks Like to Me

See other Artists’recordings at:

www.harplandmusic.com

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

There is a lot of music on this CD with fullorchestra and Lindroth's Las Vegas musicalShow arrangements that brought audiencesto their feet at every performance

Who canforget?Harpist

Lloyd Lindroth

�Hear Lloyd’s latest release!

continuedfrom pg. 28

Attention All Medicare Enrollees:

You Don’t Need the AARP for your Medicare Health Insurance!

Call us today: AMAC Senior Resources NetworkGet answers you need from the people you trust! 1-888-262-2006

There is a big misconception among many people - a misconception thatthe 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.

46 | www.amac.us

Attention Business Owners:Every day the government is creating policies that punish you because you are successfulMost 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 firmwhich is focused on solving the Human Resources problems that keep business owners awake at night.

RICK MAHERDirect 631 509 1742Fax 631 509 1743Mobile 631 365 [email protected]

Call us today:

� 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.

Issues like:

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.

© 2011 The Travelers Indemnity Company. All rights reserved. PL-15467 New 6-11

volume 5 issue 2

Documents