AMAC Advantage Volume 9, Issue 3 by Mature Americans

SUMMER 2015 $2.95

UNCLE SAM TAK ES

YOU R

MON EY

“In This Issue”

…And Your Ch ild Your Grandchil ren’s Money, and Your Grea dren’s Money, t-Grandchildre n’s Money! ! !

■

Wearable Technology

■

IRS Scams on the Rise

■

Cancer Detection Breakthrough

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Publisher’s Letter

Our government wants more! We are making good progress in Washington DC on our drive to guarantee Social Security. Meetings with Representatives Paul Ryan and Sam Johnson, two of the leading advocates to protect Social Security, have been very productive. And although getting things accomplished in our Nation’s Capital can sometimes be like pushing a stalled car down the road, I’m pleased to say that with the help of our members, we have gotten that old jalopy rolling! All of us pushing together, in the same direction, has made this progress possible. If you’ve ever wondered whether your membership makes a difference, I can tell you that it truly does. And we thank each and every one of you. The cover of this edition is about how the Federal Government keeps taking more and more from the working people to satisfy an ever-increasing need for money to pay for their myriad of programs. Taxes have gone past a realistic limit of what they should be, so now let’s call it what it really is – INCOME CONFISCATION! (See the story on page 30). Ben Carson asks, “If the Lord only asks for 10%, why does the government demand so much more?” You can answer that question!

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

When I was young and started to work, this is what the government took before Federal income taxes: Social Security: 2% from me, 2% from my employer =

State Sales Tax (there wasn’t a sales tax at the time) =

TOTAL THEN =

Here is what they take today: Social Security: 6.2% from me, 6.2 from employer = Medicare: 1.45% from me, 1.45% from employer = State Sales Tax =

12.4% 2.9%

15.3%

TOTAL TODAY =

22.3%

No wonder young people are having a hard time getting ahead, they have so much confiscated in taxes. Now add in skyrocketing property taxes and high corporation taxes, which are passed on to the consumer in higher prices, and you get the true picture of how much less we are left with. AMAC’s second priority is to reduce the size and cost of government and leave more money in your pocket. After all, you earned it!

Dan Weber, Publisher

SUMMER 2015 • VOL. 9 - NO. 3

Cover Stor y

30 What Happened To That Dollar You Earned?

Contents Daniel C. Weber Publisher Rebecca Weber Keiffert Editor in Chief Pamela Smith Managing Editor

Publisher’s Letter

Jedediah Bila Caroline Rayburn John Grimaldi Diana Wisniewski Gerry Hafer D.J. Wilson Senior Contributing Writers

Your Medicare Advisor

Gia Ricottone Director of Advertising gricottone@amac.us

12 Medical Breakthroughs

What You Should Know Before October 15th

10 Money IRS Scams On the Rise

New Blood Test Can Help Predict Cancer

54 Kathie’s Kitchen Gone Fishin!

58 House & Home Patio Inspirations

60 Member Benefit Guide 62 Just For Fun

14 Wearable Technology 16 Did You Know? Mature American Citizens, Inc. 5 Orville Drive Bohemia, New York 11716

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20 Government Watch 24 Delegate Honor Roll

amac.us Cover by James Gulino Graphic Design by: Business by Design 631.751.5454 • bbd3.com The contents of Amac Advantage Magazine may not be reproduced without the publisher’s written consent. Amac Advantage Magazine provides information of a general nature with the understanding that neither AMAC nor its affiliates are engaged in rendering medical or legal advice or recommendations. Information provided should not be considered a substitute for a consultation with a licensed physician or attorney. AMAC Advantage (USPS 12240 is published quarterly, Winter, Spring, Summer, Fall, by the Association of Mature American Citizens, 5 Orville Drive, Ste. 400, Bohemia, NY 11716. Periodicals postage paid at Bohemia, NY 11716 and at additional mailing offices. POSTMASTER: send address changes to: Amac Advantage, 5 Orville Drive, Ste. 400, Bohemia, NY 11716

25 Delegates in Action

34 Income Confiscation and Government Spending 38 A Penny’s Worth of Wisdom 42 Travel

Shenendoah National Park

48 Your Insurance Advisor Moving Into a Condo?

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What You Should Know Before October 15th! Medicare Annual Enrollment Period: October 15th – December 7th

he Annual Enrollment Period for Medicare Advantage Plans and Medicare Prescription Drug Plans is rapidly approaching. Many Medicare beneficiaries can become overwhelmed with all of the advertising on the TV, radio, and the amount of mailers they receive. With so many options, it is difficult to figure out which plan will best suit their needs. It is very important for beneficiaries to weigh all of their options so that they can make an educated choice. The plan chosen during this time period will be the coverage a beneficiary will have for the next year. During the Annual Enrollment Period, a beneficiary is allowed to add, drop or change their Medicare Advantage Plan and/or their Medicare Prescription Drug Plan. Medicare Advantage Plans and Medicare Prescription Drug Plans are guaranteed for one year at a time. It is essential for beneficiaries to review their current coverage because carriers can offer different plans in the following year, or discontinue plans altogether. If your plan is continuing, premium increases may occur. The Annual Enrollment Period is the time for beneficiaries to take advantage of the choices available to enhance their coverage. Some key factors to consider when reviewing Medicare Advantage Plans are: ■ What type of plan are you looking for? Are you looking for a plan with lower co-pays and premiums that has a specific doctor network? (HMO) Or does doctor choice better suit your needs where you may have higher co-pays, premiums or pay more to go out of network? (PPO)

by Diana Wisniewski 8 | www.amac.us

Are your doctors in network? It is important to know if your doctors are in the plan’s network. If they are not, you may have no coverage or pay more for these doctor visits. ■ What hospitals are in network? While you are able to go to any emergency room in the event of a medical emergency, inpatient and outpatient services are subject to the Medicare Advantage Plan’s network. ■ Know your co-pays, co-insurance, deductibles, and maximum out of pocket expense. For Medicare Advantage Plans with Prescription Drugs, and stand-alone Medicare Prescription Drug Plans, you should also consider: ■ Is your pharmacy a network pharmacy? If not, you will likely pay more for your prescriptions. ■ Are your prescriptions on the plan’s formulary? Know what your prescription drugs will cost. AMAC’s trusted, licensed insurance agents strive to provide our members with the most suitable option we have ■

available by reviewing these key factors with each member. Our agents try to make this overwhelming time period as easy as possible for our members. Stay ahead of the rush this year and call AMAC as early as October 1st to get the 2016 plan information. Please keep in mind that 2016 plan information will not be available to us prior to October 1st. The Annual Enrollment Period begins on October 15th and runs through December 7th. AMAC encourages you to start the process early this year. With approximately 10,000 seniors aging into Medicare each day, the Annual Enrollment Period will be busier than ever before. Our agents await your call and look forward to providing you with the highest level of service.

Call AMAC’s Medicare Department at 800-334-9330 to speak to one of our Trusted, Licensed Insurance Agents

Attention All Medicare Beneficiaries… The time to switch your Medicare Advantage and/or Medicare Prescription Drug Plan is here!

The Annual Enrollment Period is from:

Oct. 15 through Dec. 7, 2015 During this time you can add, drop or change your Medicare Advantage or Medicare Prescription Drug Plan. › Are you wondering if you made the right choice? › Did your monthly premiums increase for 2016? › Are your drug costs or doctor co-pays increasing? › Did your doctor leave your current plan?

New plans become available each year. Call AMAC Senior Resources Network and we will explore your options with you

1.800.334.9330 You will be connected with one of AMAC’s trusted Licensed Insurance Agents. Available Monday through Friday, between the hours of 9am and 9pm EST.

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Money

IRS Scams On the Rise How Not To Be a Target

I came home today and saw a blinking message on my answering machine. I hit play and here’s what it said: ‘This automated message should be considered as a final notice from IRS, Internal Revenue Service. The reason of this call is to inform you that IRS is filing lawsuit against you. To give more information about this case file, please call immediately on (xxx)xxx-xxxx. I repeat (xxx)xxx-xxxx. Thank you.” This call is a scam. The IRS will never telephone you unsolicited. Do not call the number back. Note that the IRS handles most correspondence by mail. Unfortunately, IRS scams are commonplace. Crooks target everyone, but tend to prey on vulnerable people. Scammers will phish for information and/or demand payments, and even threaten harm. Nowadays, you need to be both street and home wise. Thieves are becoming more sophisticated, and folks nationwide are falling for these cons. Though incidents tend to rise

by D.J. Wilson 10 | www.amac.us

during tax season, when people worry about owing money, they may occur all year round. Sometimes the callers appear to be legitimate. They may have already obtained some personally identifying information about you. If there’s any doubt, it’s better to err on the side of caution and not provide any information to the caller. Do not trust the caller identification on your phone. Calls from overseas have the capability of pretending to be from someplace within the USA. People may also be targeted by email. Email scams often look real, using fake look-alike IRS logos. It’s important to note that the IRS will never contact you by email. Just remember, always protect your identity. To reduce your risk of becoming a victim, do not share personal information over the phone or via email. For information on protecting your identity from theft, please contact AMAC’s trusted ID Theft and Protection partner at 866.762.7868. ★

THERE ARE THINGS YOU CAN DO TO PREVENT BEING A TARGET OF A SCAMMER : 1. Screen calls and don’t answer unknown numbers. 2. Do not return a call if you suspect it’s a scam. 3. Refuse to engage with a scammer by simply hanging up. 4. Block numbers which are known to be illegitimate. 5. Never give out your credit or debit card numbers over the phone. Never give out PIN, bank, or social security numbers or any other personally identifying information. Never send out any money. 6. If uncertain about the caller, hang up without giving them any information. Call the IRS at 800-829-1040 to determine if the caller is legitimate, or you may telephone your trusted accountant for advice. DO NOT CALL ANY NUMBERS THE SCAMMER GIVES YOU. 7. Stay updated on the news to be aware of the latest scams. 8. Report scam calls to the Treasury Inspector General for Tax Administration (TIGTA) at www.tigta.gov. 9. If you suffered a loss due to a scammer, or feel threatened, report the situation to the police.

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Medical Breakthroughs

New Blood Test Can Help Predict Cancer Up To 13 Years Before Development

recent study by scientists f rom t he Nor t hwester n University Feinberg School of Medicine and Harvard University shows how the shifting length of blood telomeres, which are the defensive covers at the end of DNA strands, may predict cancer development some 13 years prior to actual diagnosis. They found that the protective caps on the ends of chromosomes had significantly more wear and tear in people who went on to develop cancer. In some cases, they looked 15 years older. The telomeres were much shorter than they should be and continued to get shorter until around four years before the cancer developed, when they suddenly stopped shrinking. The scientists took various telomere measurements across a 13-year period in 792 persons. A total of 135 participants were eventually diagnosed with cancer, including leukemia, lung, skin and prostate cancer. “Understanding this pattern of telomere growth may mean it can be a predictive biomarker for cancer,” said Dr. Lifang Hou, the lead study author and a professor of preventive medicine at Northwestern University Feinberg School of Medicine. “Because we saw a strong relationship in the pattern across a wide variety of cancers, with the

by Joanna Peterson 12 | www.amac.us

right testing these procedures could be used to eventually diagnose a wide variety of cancers.” Telomeres reduce their length during cell division, and this process continues as humans age. However, cancer cells also grow and divide very fast, so scientists once assumed these cells would also selfdestruct since their telomeres would shorten. The study suggests that cancer cells have instead established a process to halt the reduction in the telomeres’ length. Hou said that if the process behind cancer cells escaping normal cell division and telomere reduction is examined more closely, then it is possible to develop treatments that can cause cancer cells to self-destruct without damaging healthy cells. Although many people may not want to know that they will develop

cancer in the future, it could allow them to make lifestyle changes to lower their risk. Stanford University is also working on a project looking at how telomeres can be regrown. However insurance companies warned that such a test could push up policy premiums. Matt Sanders, in charge of protection insurance products at GoCompare, said people with such a diagnosis could be priced out of the insurance market. “Premiums could rise to a point where some people would simply be priced out. However if it was shown that diagnosing earlier could prevent cancer then that could bring down premiums.” ★ This research was published in the online journal Ebiomedicine.

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Technology

The “Next Big Thing” is already here… go ahead and slip it on!

or the past few decades, we’ve been constantly amazed at how fast technology changes, and how quickly that desktop we bought just two or three years ago turned into a smartphone we can slip into our shirt pocket (with maybe 10 or 20 times the computing power to boot). But hold on to your hat… the rate of change is coming at you at a pace that is not only exponential, but even more accommodating and easier to deal with. Over the past year, the technology marketplace has witnessed the commercial introduction of innovations like Google Glass, a piece of technology that puts the power of Google right in your eye…literally! Wearing a simple headset-type device, Glass wearers can send and receive smartphone messages, view stored smartphone content in a heads-up display, and take photos and video of what’s right in front of them, all controlled by verbal commands. Smart watches also became the rage over the past year, as has the incorporation of computing devices into the clothing and gadgets we wear. Textile manufacturers are also getting into the market bigtime, developing everyday uses for conductive threads and fabrics. It’s a high-tech phenomenon called “wearable technology” and it’s

by Gerry Hafer 14 | www.amac.us

poised to bring dramatic disruption to the way we live our everyday lives. The rate of growth projected for wearable technolog y— def ined as elect ron ics or computer components incorporated into the clothing and accessories we comfortably wear on our bodies— is viewed by the financial world as astronomical in the short term. In fact, Morgan Stanley analysts about a year ago forecasted the marketplace for wearable technology to grow at a compound rate of over 150% through 2017, with a saturation level of 248 million devices at that point. But that’s just the tip; longer range projections call for sales to reach the one billion unit level by 2020. Dollar-wise, these same analysts foreca st t hat t he wea rable technology business will soon be a $1.6 trillion industry, far outstripping all other segments of technology. It’s being driven by a steady stream of devices that can easily be put on and taken off, like watches, bracelets, jewelry, headbands, garments made with smart fabrics, and the like, all of which contain sensors that record and store data and can make information available to users (wearers) locally. Wearable technology is also the driving force behind a number of medical innovations, especially those that take advantage of communications capabilities to

bridge the gap between patient and practitioner, as in the case of various forms of monitors, sensors, and measurement devices incorporated into clothing or portable pocketsized gadgets. A good example of what’s happening in this field is the experimentation being done on the “smart contact lens” designed to measure glucose levels in tears as a way of helping patients manage diabetes. Similarly, the whole fitness craze is being fueled by devices that monitor exercise progress and that can store and transmit data about one’s body. And the phenomenon is not limited to humans – the family dog can get in the action, too! We’re seeing the emergence of heartography, a prototype technology that links a heart monitor to a digital camera that snaps pictures based on elevated heartbeats. The camera is strapped onto the dog, and as it gets excited, picture snapping is launched. For the pet purist, the result is a pictorial history of your dog’s emotions – where the true excitement comes from. There’s seemingly no end to what’s coming down the road, and it’s all around us both figuratively and literally. What was thought to be pure science fiction just a few years ago is quickly becoming reality, and the only certainty is that the pace of change is likely only to accelerate in the years ahead! ★

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Did You Know? Aspirin Use on the Rise

benefit has not been established but risks — such as dangerous bleeding into the brain or stomach — are still present.”

Having Trouble Getting a Good Night’s Sleep? Try Cherry Juice

More A mericans are dosing themselves with baby aspirin than ever before. One report showed that in the five years between 2005 and 2010 aspirin use rose by 57%. Another study revealed that more than half of individuals between the ages of 45 and 75 take a low-dose aspirin tablet each day. “There’s no doubt that aspirin use can have value for people who have experienced a first heart attack, stroke or angina,” according to pharmacotherapy specialist Craig Williams. He’s a professor at Oregon State University’s College of Pharmacy and the lead researcher of a study showing “that more and more people who have not experienced those events and are not technically considered at high risk by the FDA are also deciding to use aspirin, usually in consultation with their doctors.” But, according to the FDA, there’s no support for “the use of aspirin as a preventive medication by people who have not had a heart attack, stroke or cardiovascular problems, a use that is called ‘primary prevention.’ In such people, the

16 | www.amac.us

New research from Louisiana State University found that drinking Montmorency tart cherry juice twice a day helped increase sleep time by nearly 90 minutes among older adults with insomnia. Researchers had seven participants drink eight ounces of Montmorency tart cherry juice twice a day for two weeks, followed by two weeks of no juice, and then two more weeks of drinking a placebo beverage. Compared to the placebo, drinking the cherry juice resulted in an average of 84 more minutes of sleep time each night. Frank L. Greenway, director of the outpatient research clinic at the Pennington Biomedical Research Center at LSU, says these sour cherries are a natural source of the hormone Melatonin and the amino

acid Tryptophan, both of which promote sleep. So try reading a book at bedtime and sipping some cherry juice and you just might have a better night’s rest.

Computer Medicine

People are living longer these days than ever before and they are healthier, too, as a result of breakthroughs in medicine, but innovative uses of information tech nolog y m ig ht play a n increasingly important role in the future, as well. A new report published by Kaiser Health News suggests that the ability of computers and software to sort and analyze patient data can take a lot of the guesswork out of diagnostics and treatment. “Computers could ultimately help doctors match specific treatments at the molecular level to the people for whom they would work best. Software might also detect patterns in data that would suggest new uses for existing drugs,” according to KHN. The report envisions a day when patients might wear “wireless” patches that continuously relay health data that can detect problems on the fly “before they blossom into expensive diagnoses.”

Who Was the ‘Real McCoy’? There are numerous explanations as to how the phrase “the real McCoy” came about. Some argue that it refers to the inventor Elijah McCoy who was a prolific inventor. Others say that it originated in Scotland where G. Mackay and Company, distillers of a fi ne Scotch, coined the phrase to describe its whiskey in ads. Yet others say it refers to a brand of crockery produced in the 1940s that was so popular it was widely copied causing the McCoys to identify their products as the real McCoy. There are many more theories on the subject, but most likely the saying dates back to the Prohibition Era, at least according to “Uncle John’s Bathroom Reader Plunges into History Again.” The book of trivia states that it refers to the “infamous rumrunner, Captain William McCoy. The booze he imported from Canada was so superior to the homemade and watered-down alternatives available in the U.S. at the time that it quickly became known as “the real McCoy.”

The ‘Silver Tsunami’

America’s aging population may wind up being a job-creating event. U.S. citizens are turning age 65 at an enormous rate – 10,000 a day. And, the rapid growth of that segment

of the population is expected to continue for many years to come. Professor Joanne Spetz of the University of California’s Institute for Health Policy Studies calls it a “silver tsunami” and warns of a potential shortage of long-term healthcare workers. “Simply managing the activities of daily living often requires ongoing care from a combination of licensed and unlicensed health workers. We believe that the demand for these workers will increase significantly in the coming years. Health policy decision-makers need tools and strategies to ensure that the U.S. has an adequate workforce to meet our long-term care needs,” she says.

though he build his house in the woods, the world will make a beaten path to his door.”

Let’s Have Another Cup of Coffee More good news for coffee drinkers: a new study shows that the beverage can help keep your weight down

Pity the Poor Mouse

Nearly 4,500 patents have been issued for new and improved mousetraps since U.S. Patent Laws were enacted in 1790. But no one has ever been able to top the simplicity and efficiency of the Victor – the classic mousetrap invented by John Mast and patented in 1903. Nonetheless, it hasn’t stopped would-be entrepreneurs from trying. It is estimated that the Patent Office still receives patent applications for new mousetraps at a rate of more than one a day. Most of those who apply are denied, but as many as 40 new patents are issued each year. Ralph Waldo Emerson may have started the craze when he wrote in 1912 that one who makes “a better mousetrap than his neighbor,

according to a study conducted at the University of Georgia’s College of Pharmacology and published in the journal Pharmaceutical Research. The research indicates that the chlorogenic acid [CGA] found in coffee reduces the buildup of fat. Yonglie Ma, who headed up the project, noted that “Previous studies have shown that coffee consumption may lower the risk for chronic diseases like Type 2 diabetes and cardiovascular disease. Our study expands on this research by looking at the benefits associated with this specific compound [CGA], which is found in great abundance in coffee, but also in other fruits and vegetables like apples, pears, tomatoes and blueberries.” ★

www.amac.us | 17

Not getting the sleep you need?

Is your pillow the problem?

On its 10 year anniversary and with over five million satisfied customers, MyPillow® has been selected the Official Pillow of the National Sleep Foundation! How Well Did You Sleep Last Night? Did you toss and turn all night? Did you wake up with a sore neck, head ache, or was your arm asleep? Do you feel like you need a nap even though you slept for eight hours? Just like you, I would wake up in the morning with all of those problems and I couldn’t figure out why. Like many people who have trouble getting a good night’s sleep, my lack of sleep was affecting the quality of my life. I wanted to do something about my sleep problems, but nothing that I tried worked.

Mike Lindell Inventor of MyPillow®

The Pillow Was the Problem I bought every pillow on the market that promised to give me a better night’s sleep. No matter how many pillows I used, I couldn’t find one that worked and finally I decided to invent one myself. I began asking everyone I knew what qualities they’d like to see in their “perfect pillow”, and got many responses: “I’d like a pillow that never goes flat”, “I’d like my pillow to stay cool” and “I’d like a pillow that adjusts to me regardless of my sleep position.” After hearing everyone had the same problems that I did, I spent the next two years of my life inventing MyPillow.

MyPillow® to the Rescue Flash forward ten years and MyPillow, Mike Lindell’s revolutionary pillow design, has helped 5 million people improve the quality of their sleep. MyPillow has received thousands of testimonials about the relief MyPillow has brought to people who suffered from migraines, snoring, fibromyalgia, neck pain and many other common issues. Lindell has been featured on numerous talk shows, including Fox Business News and Imus in the Morning. Lindell and MyPillow have also appeared in feature stories in The New York Times and the Minneapolis Star Tribune. MyPillow has received the coveted “Q Star Award” for Product Concept of the Year from QVC, and has been selected as the Official Pillow of the National Sleep Foundation. MyPillow’s patented technology can help with all of the most common causes of sleep loss and allows you to adjust it to any sleeping position. You can even wash and dry MyPillow as easily as your favorite pair of blue jeans!

“Until I was diagnosed with various sleep issues, I had no idea why my sleep was so interrupted throughout the night. I watch Imus each morning and heard endless testimonials about MyPillow. I took his advice and ordered a MyPillow. Now I wake up rested and ready to conquer the day ahead. Thank you for helping me remember what it’s like to sleep like a baby!” - Jacqueline H.

Unprecedented Guarantee and Warranty I do all of my own manufacturing in my home state of Minnesota and all materials are 100% made in the U.S.A. I’m so confident MyPillow will help you, I’m offering an unprecedented 60-day money back guarantee and a 10-year warranty not to go flat! I truly believe MyPillow is the best pillow in the world and that if everyone had one, they would get better Michael J. Lindell CEO, MyPillow, Inc. sleep and the world would be a much happier place.

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Cut the cost of your medical alert service in half. Why pay more every month on service fees when C 70 M 13 Y 1 K 0 you can feel protected everywhere you go with the most affordable medical alert service on the market? The GreatCall® Splash has no installation costs and no special equipment to buy. And there are no cancellation fees or contracts to sign. Just the highest level of service at the lowest price. At only $1999 a month, 5Star® Service on the Splash can save you up to 50% in monthly service fees. That’s a total savings of $200 per year compared to other medical alert services. With no landline required, you’re not restricted to your home. The Splash works anywhere you choose to go. And with its waterproof design, you can even take it with you in the shower. In any emergency, just press the button to speak immediately with a 5Star Medical Alert Agent, 24/7. The Agent will confirm your location using patented GPS technology, evaluate your situation and get you the help you need. Service as low as:

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*Good Housekeeping Research Institute - Aug. 2014. $200 savings calculation was determined by averaging the PERS market leaders’ monthly fees (not all the PERS have the same features). 5Star service is available with the purchase of the GreatCall Splash and a one-time setup fee of $35. Valid credit or debit card required for monthly service. The GreatCall Splash is rated IPX7, and can be submerged in up to 3 feet of water for up to 30 minutes. Fall Detection is an optional feature of 5Star Service. We cannot guarantee Fall Detection will always accurately detect a fall. GreatCall is not a health care provider and does not provide health care services. Seek the advice of your physician if you have any questions about medical treatment. 5Star or 9-1-1 calls can only be made when cellular service is available. 5Star service will be able to track an approximate location when your device is turned on, but we cannot guarantee an exact location. Monthly service fee does not include government taxes or assessment surcharges. Prices and fees are subject to change. GreatCall and 5Star are registered trademarks of GreatCall, Inc. Copyright ©2015 GreatCall, Inc.

Government Watch By Fido your government watchdog

Obamacare Can’t Explain $2.8 Billion in Subsidy Payments The Obama administration doesn’t know whether billions in subsidies it paid out to insurers were appropriate. The Department of Health and Human Services Inspector General audited Obamacare subsidy payments from January through April of last year and found that HHS basically couldn’t verify if the payment amounts were correct, because it lacked internal controls to do so. As the IG report put it, HHS “did not have systems in place to ensure that financial assistance payments were made on behalf of confirmed enrollees and in the correct amounts. The government still does not have a complete system for approving subsidies distributed though Obamacare. CMS used an ‘interim process’ to distribute subsidies for 2014, and is planning a ‘permanent process’ to be finished by late 2015. Without effective internal controls for ensuring that advance CSR payments are reconciled in a timely manner, a significant amount of Federal funds are at risk.”

IRS Awards Millions in Contracts to TaxDelinquent Companies Just when you thought the Internal Revenue Service (IRS) couldn’t sink any lower, an embarrassing federal audit exposes the scandal-plagued agency for awarding dozens of tax-delinquent companies with millions of dollars in government contracts. During a two-year period, the IRS awarded 57 contracts worth nearly $19 million to 17 corporations that owed federal taxes during that period, according to a report by the Treasury

20 | www.amac.us

Inspector General for Tax Administration (TIGTA). In doing this, the IRS actually violated a 2012 federal law called the Consolidated Appropriations Act prohibiting government agencies from using appropriated funds to enter into a contract with a company that has certain federal tax debt or felony convictions.

Wisconsin Supreme Court Shuts Down John Doe Investigation, Affirms First Amendment On 7/16/15, the Wisconsin Supreme Court ordered an end to a Milwaukee prosecutor’s politically motivated investigation into conservative groups that dragged on for more than three years. The court findings show that prosecutors raided conservatives’ homes to investigate constitutionally-protected free speech. Victims of the raids, which occurred on 10/3/13, were awakened by a persistent pounding on the door, their houses illuminated by floodlights, and police — sometimes with guns drawn — poured into their homes. Once inside, the investigators turned the private residences of these innocent conservative citizens upside down. Writing for the majority, Justice Michael Gableman slammed a special prosecutor’s handling of the investigation and praised the unnamed plaintiffs for pushing back against a violation of their First Amendment rights to political speech. “It is utterly clear that the special prosecutor has employed theories of law that do not exist in order to investigate citizens who were wholly innocent of any wrongdoing,” Gableman wrote in the majority opinion. “To be clear, this conclusion ends the John Doe investigation because the special prosecutor’s legal theory is unsupported in either reason or law.”

Taxpayers Fork Out $3.5 Million to Find Out Why Lesbians Are Obese At a time when the government is running trillion dollar deficits and the Army is cutting back on 40,000 soldiers, the federal government has spent $3.5 million dollars of taxpayer money to study why lesbians are obese. The National Institutes of Health (NIH) project, now entering its fifth year, received another grant worth $658,485 this summer. Funding has more than doubled since the study was first revealed in 2013. The study, which is examining why three-quarters of lesbians are obese but gay men are not, has survived sequester cuts and continues to produce results such as the discovery that gay men have a “greater desire for toned muscles” than straight men.

Sanctuary Cities Shield Thousands of Felonious Illegal Immigrants The recent murder of Kathryn Steinle by felon and serial-deportee Francisco Sanchez in San Francisco brought to light a little-known policy that allows illegal aliens to skirt immigration enforcement measures. Sanctuary cities like San Francisco don’t enforce deportation and it’s a much bigger problem than we’re led to believe. Citing a 2014 government report provided under a Freedom of Information Act request, Jessica Vaughan, director of policy studies at the Center for Immigration Studies, reveals: “State and local sanctuary policies caused the release of more than 8,000 criminal alien offenders sought by ICE for deportation in 276 jurisdictions around the country over an eight-month period [January 1, 2014, to August 31, 2014], according to ICE records obtained by the Center for Immigration Studies in a FOIA request. Sixty-three percent of the individuals freed by local authorities had prior criminal histories or were labeled a public safety concern at the time of their release. Nearly 1,900 of the released offenders subsequently were arrested for another crime within that eight-month period. ICE arrested approximately 750 of the recidivists, but just over 1,000 (60 percent) remained at large.” ★

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Financial Services & Advice

Who Needs Life Insurance Protection? You need life insurance if... You’re Married - Even with the surviving spouse’s income, would that person be able to pay off debts like credit card balances and car loans, let alone cover the monthly rent and utility bills? You’re a Single Parent - With so much responsibility resting on your shoulders, you need to make doubly sure that you have enough life insurance to safeguard your children’s financial future. You’re Married With Kids - Life insurance makes sure that your plans for your family’s future don’t die when you do. How much does it take to run your household? You’re a Stay-At-Home-Parent Childcare and household activities are all important tasks, the replacement

value of which is often severely underestimated. Could your spouse afford to pay someone for these services? You Have a Special Needs Child Besides thinking about coverage on the life of your child, you need to have enough insurance on your own life so your child will be taken care of after your death. Planning for the future of an individual with special needs requires in-depth knowledge of government benefit eligibility and legal documents such as special needs trusts and guardianships. You Have Grown Children - Life insurance would enable your spouse to maintain the lifestyle you worked so hard to achieve and you would be able to pass on something to your children and grandchildren.

You’re Retired - Depending on the size of your estate, your heirs could be hit with a large estate tax payment after you die. The proceeds of a life insurance policy are payable immediately, allowing heirs to take care of estate taxes, funeral costs, and other debts without having to hastily liquidate other assets, often at a fraction of their true value. You Collect Social Security or Have Pension Income - Life insurance can be used to protect the loss of your, or your spouse’s, pension or social security benefits. Can you afford to maintain your standard of living if you were to lose this income? For more information on Life Insurance, contact RoseMark Advisors at 888.730.6565 or visit us at www. RoseMarkAdvisors.com ★

Are you prepared for a Longer Retirement? Our trusted advisors are here to help... RoseMark Advisors, the financial planning division of AMAC, helps its members overcome both personal and business financial challenges.

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22 | www.amac.us

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2015 AMAC Delegate HONOR ROLL The AMAC Delegate Program is going strong! Thanks to the volunteer efforts of your fellow AMAC members, we now have approximately 314 Congressional Districts assigned to Delegates. And we’re growing every day. Ultimately, we’d like to have an AMAC Delegate in all 435 Congressional Districts in the United States. Won’t you please join us? Please visit amac.us, email bsalmeri@amac.us or or call 888-262-2006 xt 2018 to become an AMAC Delegate.

Honor Roll

Meet your AMAC Delegates! AK

district

Raphael Betit . . . . . . . . . . . . . AL Steve Marineau . . . . . . . . . . AL

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

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

AZ Patrick Gromek . . . . . . . . . . .02 Anne Wiser. . . . . . . . . . . . . . . .03 Ron Nordin . . . . . . . . . . . . . . . .04 Pat McAuliffe. . . . . . . . . . . . . .05 Judy Kopulos . . . . . . . . . . . . . .06 Linda Brickman. . . . . . . . . . . .06 David Handrahan. . . . . . . . . .07 Ted Farmer . . . . . . . . . . . . . . . .08 Mike Kapic . . . . . . . . . . . . . . . .08 Devora Krischer. . . . . . . . . . .09

CA Mark Hazen . . . . . . . . . . . . . . .01 Robert Nielsen. . . . . . . . . . . .04 Richard Graeser. . . . . . . . . . .05 Jacqueline Siefferman. . . .08 Peter Petroski . . . . . . . . . . . . .11 John Lose . . . . . . . . . . . . . . . . .22 Martin C. Kuban . . . . . . . . . . .23 Gerald Todd. . . . . . . . . . . . . . . .23 Logan McFadden. . . . . . . . . .26 Edward B. Carrigan . . . . . . .31 Brad Lusk . . . . . . . . . . . . . . . . . .33 Mike Dempsey . . . . . . . . . . . .36 Greg Parker . . . . . . . . . . . . . . .39 Paul DeSimone . . . . . . . . . . . .42 Mary Anne English . . . . . . . .42 Jack Closson . . . . . . . . . . . . . .48 Denise Hunter . . . . . . . . . . . . .49 Fredrick Yerrick . . . . . . . . . . .52 Matt Mendoza. . . . . . . . . . . . .53

district

William Lulias . . . . . . . . . . . . .06 Earliene Shipper . . . . . . . . . .06 Sharilee Beynon . . . . . . . . . .07 James Borona. . . . . . . . . . . . .07 Donald O’Rourke . . . . . . . . . .07 Robert P Scarboro . . . . . . . .08 Bob Shafron . . . . . . . . . . . . . . .09 Terry Buczkowski . . . . . . . . .10 Elmer Duane Powers . . . . .11 Randy Fischer . . . . . . . . . . . . .11 Evelyn Dodd . . . . . . . . . . . . . . .12 Jeff Heath . . . . . . . . . . . . . . . . .13 John Shipman . . . . . . . . . . . . .13 Gordon Ondra . . . . . . . . . . . . .15 Scott Rankin . . . . . . . . . . . . . . .16 James H. Keil. . . . . . . . . . . . . .17 CAPT John McCandless, USN(Ret). . . . . . . . . . . . . . . . . . .19 Steven Laine. . . . . . . . . . . . . . .22 David Monaco. . . . . . . . . . . . .23 Melody Lee-Carte . . . . . . . . .27

GA Greg MacDougal . . . . . . . . . .01 Nathan Warnock . . . . . . . . . .02 Bill Nevins . . . . . . . . . . . . . . . . .05 Ron Yurick . . . . . . . . . . . . . . . . .06 John Lynam. . . . . . . . . . . . . . . .06 Jay Warman. . . . . . . . . . . . . . .07 Maria Keller . . . . . . . . . . . . . . .09 Dennis Israel . . . . . . . . . . . . . .09 Gerald Hallman. . . . . . . . . . . .10 Dannie Reynolds . . . . . . . . . .10 Vince Romao . . . . . . . . . . . . . .11 Dave Wayne . . . . . . . . . . . . . .13 Lyndon Smith . . . . . . . . . . . . . .14

HI Lewis Chartrand. . . . . . . . . . .02

ID George Thomason Sr. . . . . .01 Linda Fox . . . . . . . . . . . . . . . . . .01 Lester G. Preader II . . . . . . .02

IL Barry McCallum. . . . . . . . . . .05 Donald Moore . . . . . . . . . . . . .06 Robert Smith. . . . . . . . . . . . . . .08 Patti Howard . . . . . . . . . . . . . .12 David Sherrill . . . . . . . . . . . . . .13 Thomas Adcock . . . . . . . . . . .13 Robert Etnyre . . . . . . . . . . . . .16 Bud Phillis . . . . . . . . . . . . . . . . .17 Michael Quine . . . . . . . . . . . .18 Charles Sanderson. . . . . . . .18

Allen Ross . . . . . . . . . . . . . . . . .01 Jay Lykins . . . . . . . . . . . . . . . . .02 Tom Linn . . . . . . . . . . . . . . . . . . .04 James Cook . . . . . . . . . . . . . . .05 David C Kelley . . . . . . . . . . . . .06 IN Frank Baysore . . . . . . . . . . . . .06 Ronald Bella . . . . . . . . . . . . . . .06 Russell Rybolt . . . . . . . . . . . . .03 John Knote . . . . . . . . . . . . . . . .04 CT Ronel Giedt . . . . . . . . . . . . . . . .05 James Mandro . . . . . . . . . . . .03 Dave McNaught. . . . . . . . . . .07 Frank V Barba . . . . . . . . . . . . .04 James Crawford . . . . . . . . . .07 Robert Sonnelitter. . . . . . . . .05 Geoffery Heald . . . . . . . . . . . .08

Steve Czonstka . . . . . . . . . . . .01 Bob Cheney . . . . . . . . . . . . . . .01 David Sharpe . . . . . . . . . . . . . .03 Roger Boeken . . . . . . . . . . . .02 Juanita S. Melchior . . . . . . .03 Randell Phalp. . . . . . . . . . . . . .03

district

Gerald Ling . . . . . . . . . . . . . . . .04 Dick & Melodee Scott . . . .01 John Klare . . . . . . . . . . . . . . . . .01 William Rogers . . . . . . . . . . . .04 James Green . . . . . . . . . . . . . .01 Paul Ingram Jr. . . . . . . . . . . . .02 Jon Park . . . . . . . . . . . . . . . . . . .04 Steven McEwen. . . . . . . . . . .01 John R. Bowker . . . . . . . . . . .04 Michael Reynolds . . . . . . . . .05 LA NC Christiana Marinescu . . . . .06 Richard Bienvenu . . . . . . . . .01 Robert Appleby. . . . . . . . . . . .01 Brian Lake . . . . . . . . . . . . . . . . .07 Bill Preston . . . . . . . . . . . . . . . .03 Robert Drummond. . . . . . . . .02 Rita Fullerton . . . . . . . . . . . . . .08 Edward (Ted) McWhorter 04 James S. Jones Jr . . . . . . . .02 Stephen Capella. . . . . . . . . . .08 Shirley Heaton . . . . . . . . . . . .04 Milton Ludwigson . . . . . . . . .03 Carole Banks . . . . . . . . . . . . . .09 Donald Crist . . . . . . . . . . . . . . .05 Kenneth Long. . . . . . . . . . . . . .04 Dean Schrickel . . . . . . . . . . . .10 Dick Juneau . . . . . . . . . . . . . . .06 Clarence Alcon. . . . . . . . . . . .05 Jeffrey Dondero . . . . . . . . . .10 Robert Palisin . . . . . . . . . . . . .08 MA Ed Wirtz . . . . . . . . . . . . . . . . . . .11 Rick Guignon . . . . . . . . . . . . . .11 James R. Monath . . . . . . . . .12 Nick Veeder . . . . . . . . . . . . . . .05 Brenda L. Dobrick . . . . . . . . .13 Victoria Todd-Smith . . . . . . .14 John Wainionpaa . . . . . . . . .09 Edward Marshall . . . . . . . . . .13 Mary Mashburn . . . . . . . . . . .15 MD Dan Carro. . . . . . . . . . . . . . . . . .13 Brian Lake . . . . . . . . . . . . . . . . .16 Robert Steinen . . . . . . . . . . . .01 ND OK Joe Brewster. . . . . . . . . . . . . .02 Jerome Youngberg . . . . . . . .01 Rob Curry . . . . . . . . . . . . . . . . . .01 Guy M. Miller . . . . . . . . . . . . . .03 Kevin Stephenson. . . . . . . . .01 Janice Perry. . . . . . . . . . . . . . .04 NE David Cochran . . . . . . . . . . . .06 Brad Kuiper. . . . . . . . . . . . . . . .01 Wayne Boan. . . . . . . . . . . . . . .02 Bill Damaska . . . . . . . . . . . . . .06 James R. Hoy Jr.. . . . . . . . . .02 Richard VanEsler. . . . . . . . . .05 Don Wiseman . . . . . . . . . . . . .03 OR ME Fred Divis . . . . . . . . . . . . . . . . . .03 Beth Ann Elmsa . . . . . . . . . . .02 Ron Bovasso . . . . . . . . . . . . . .01 NH Robert W. Morgan . . . . . . . .02 MI Elena Abbene . . . . . . . . . . . . .01 Jeffrey Poppe . . . . . . . . . . . . .02 Dave Klimsza . . . . . . . . . . . . . .01 Albert C. Jones . . . . . . . . . . . .02 PA Wayne L. Stahl . . . . . . . . . . . .01 Thomas McFate . . . . . . . . . . .03 Isabelle Terry . . . . . . . . . . . . . .03 NJ Raymond Bostard . . . . . . . . .06 Patricia R. Browne . . . . . . . .04 William Patrick Gordon Trute . . . . . . . . . . . . . .04 McNamee . . . . . . . . . . . . . . . . .01 Dave Williams . . . . . . . . . . . . .06 Carl M. Blumberg . . . . . . . . .04 Michael Woelfel . . . . . . . . . .02 Richard F. Bregstein. . . . . . .06 Ronald J. Palmgren . . . . . . .05 Joseph P Coyle. . . . . . . . . . . .03 Valerie Spelman. . . . . . . . . . .06 Karen Young . . . . . . . . . . . . . . .05 Edward Durfee . . . . . . . . . . . .05 Andrew Chismar . . . . . . . . . .10 Joseph E. Scrima. . . . . . . . . .06 Arthur Katz . . . . . . . . . . . . . . . .05 Rev. Brian Betsworth . . . . .11 Dick Guernsey. . . . . . . . . . . . .12 Regina Chapman . . . . . . . . . .06 Rev. Steven Tom Platek . . . . . . . . . . . . . . . . .07 Maness Ph.D. . . . . . . . . . . . . .06 Edith & William Kathleen Tootell . . . . . . . . . . .09 John Gervato . . . . . . . . . . . . . .09 Rodebaugh . . . . . . . . . . . . . . . .13 Prudie Potter . . . . . . . . . . . . . .15 Gloria English. . . . . . . . . . . . . .10 NM David Koeffler . . . . . . . . . . . . .16 W. Kent Clarke Jr JD. . . . . .11 Charles McMillian . . . . . . . .01 John Loughman . . . . . . . . . . .18 James P. Mack . . . . . . . . . . . .11 Thomas Lentner . . . . . . . . . . .02 Dave Cortright . . . . . . . . . . . . .12 SC Jim Harbison LTC-USA Walt Reckinger . . . . . . . . . . . .12 (Ret.) . . . . . . . . . . . . . . . . . . . . . . .02 Michael Shanlian, PhD . . .02 MN Art Bush . . . . . . . . . . . . . . . . . . .03 NV Jeffery E Cordell . . . . . . . . . .03 Thomas Schleck . . . . . . . . . .01 Chuck Harmon . . . . . . . . . . . .02 Tony McClure. . . . . . . . . . . . . .03 Tim J. Gallagher . . . . . . . . . . .02 Gail Bush . . . . . . . . . . . . . . . . . .02 Charles Morgan . . . . . . . . . . .05 Bradford Lee . . . . . . . . . . . . . .04 Judith Smith . . . . . . . . . . . . . . .04

Tom Jeffrey . . . . . . . . . . . . . . . .02 Bob Bechtold. . . . . . . . . . . . . .02 Dorcas Brown . . . . . . . . . . . . .04 Everett Kelly . . . . . . . . . . . . . . .04 Candy Collette . . . . . . . . . . . . .06 Michael Carr . . . . . . . . . . . . . .07 Mary Cooper . . . . . . . . . . . . . .08

MS Gene Hays . . . . . . . . . . . . . . . .01 Reggie Turnage . . . . . . . . . . .03 Paul Earley . . . . . . . . . . . . . . . .03 Robert Kranz. . . . . . . . . . . . . . .04

NY Randy Engesetter . . . . . . . . .01 Joseph Gagliano . . . . . . . . . .03 Robert Spillman . . . . . . . . . . .04 Julianne Bennett-Bertone07 Vincent Milo . . . . . . . . . . . . . . .12 Bill Simons. . . . . . . . . . . . . . . . .19 James Comstock . . . . . . . . .21 Donald Colongeli . . . . . . . . . .22 Vernon Bishop. . . . . . . . . . . . .24 Lyle Terrill . . . . . . . . . . . . . . . . .24 George Linder . . . . . . . . . . . . .25 Timothy Andrews. . . . . . . . . .25

Ronald Ehrisman . . . . . . . . . .01 Mike Pospischil . . . . . . . . . . .01

TN Bob Greeson . . . . . . . . . . . . . .01 Victor Velle . . . . . . . . . . . . . . . .01 Wendell Chett Peebles. . . .02 Ron King . . . . . . . . . . . . . . . . . . .04 Wade Burt . . . . . . . . . . . . . . . . .06 Michael Baskins . . . . . . . . . .07 Thomas Houser . . . . . . . . . . .08 Paul C Westfield. . . . . . . . . . .08 Curtis Hartsfield . . . . . . . . . . .09

district

Bob Martin . . . . . . . . . . . . . . . .01 Mark Thomson . . . . . . . . . . . .04 Bob Reese . . . . . . . . . . . . . . . . .05 Alan J Winters, MD, JD. . .07 Galynn Ferris . . . . . . . . . . . . . .08 Bill O’Sullivan. . . . . . . . . . . . . .08 Wallace Everitt . . . . . . . . . . . .10 Wayne LeBlanc . . . . . . . . . . .10 George Reagan. . . . . . . . . . . .12 Michael Berryman Smith 12 Jerry Pfaffly . . . . . . . . . . . . . . .13 Mike & Judy Nichols . . . . .14 Jennifer Adams, RN. . . . . . .17 Tom Clanton . . . . . . . . . . . . . . .17 Dinkar Chheda . . . . . . . . . . . .18 Beckwith Steiner, Jr. OD . .20 Charles Roark . . . . . . . . . . . . .21 Thomas A. Ortowski. . . . . . .22 Ronald Hitchcock . . . . . . . . .24 Dwight Peper. . . . . . . . . . . . . .25 Sandra Morey . . . . . . . . . . . . .26 Rhonda Glass. . . . . . . . . . . . . .27 Francis & Richard Galipeau . . . . . . . . . . . . . . . . . . .30 Jerry Galloway, CPA . . . . . .32 Roy Getting . . . . . . . . . . . . . . . .33 Richard Faxon . . . . . . . . . . . .34 Cisco Rincon . . . . . . . . . . . . . .35 Raymond Young . . . . . . . . . . .36

UT Sharon Anderson . . . . . . . . .03 Peter Anderson . . . . . . . . . . .03

VA Paul Rein . . . . . . . . . . . . . . . . . .01 Jeffrey Coleman. . . . . . . . . . .02 Phillip A. Wood . . . . . . . . . . . .04 Richard Murphy . . . . . . . . . . .06 Douglas Williams . . . . . . . . .07 Gordon L Caylor II . . . . . . . . .10 Rex Jamieson . . . . . . . . . . . . .11

VT Libby James . . . . . . . . . . . . . . .01

WA Dick Bowen . . . . . . . . . . . . . . .02 Debbie Schreiber . . . . . . . . .03 Bill Hughes . . . . . . . . . . . . . . . .03 Brian Lewis. . . . . . . . . . . . . . . .05 Michael Robertson. . . . . . . .05 Chan Bailey. . . . . . . . . . . . . . . .05 Roger Ferrell. . . . . . . . . . . . . . .05 Conrad Holuk . . . . . . . . . . . . . .06 John Lunkes . . . . . . . . . . . . . .10

WI Richard Drake . . . . . . . . . . . . .01 Phillip O Owens Jr. . . . . . . . .02 Marvin Wagner . . . . . . . . . . .06 Mari Bohman. . . . . . . . . . . . . .07

WY Charles Snyder . . . . . . . . . . . .01

AMAC Delegates

AMAC Delegates in Action

Greg Parker (r), AMAC Delegate for CA-39, recently introduced AMAC to a field representative in Rep. Ed Royce’s (R-CA) district office.

AMAC Delegates Mike and Elena Abbene pose with Rep. Frank Guinta (R-NH - center) following the second AMAC town hall meeting with the Congressman in 2015.

Congressman Garret Graves (R-LA) met with AMAC Delegate Dick Juneau (l) and other members to discuss AMAC’s policy positions. AMAC will be have a town hall meeting with Rep. Graves in August.

Newly appointed Delegate Randy Fischer (l) speaks one-on-one with Rep. Rich Nugent (FL-11) about AMAC on behalf of the 8,200 AMAC members residing in the congressional district.

AMAC Delegate Terry Thompson (r) brings freshman Congressman Bruce Westerman (R-AR) up to speed on AMAC.

AMAC Delegates Steve Capella (l) and Rita Fullerton (r) meet with a caseworker for Speaker John Boehner (R-OH) to discuss AMAC’s position on Social Security.

AMAC Delegate Earliene Shipper (l) is pictured with Rep. DeSantis (R-FL - center) and AMAC Delegate Coordinator Caroline Rayburn (r) following an AMAC town hall meeting.

Veteran Delegate Judy Smith (r) provides Rep. Joe Heck’s (R-NV) staff with an update on AMAC. There will be an AMAC town hall meeting in August with Rep. Heck.

www.amac.us | 25

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Could Stem Cells Be The Next Penicillin?

hances are that you have heard about stem cells—they have been in the news for years. But did you know that non-embryonic stem cells are being used right now in the United States to treat debilitating lung diseases? Sufferers of diseases like COPD and pulmonary fibrosis are receiving life changing stem cell treatments that just a few short years ago had not yet been thought of as possible. With further advancements in the study of stem cells, the question is posed: are stem cells the next penicillin? Stem cells and penicillin both come from humble beginnings and accidental discovery, they are both used to treat life threatening conditions and diseases, and just like penicillin, stem cell biologists have won Nobel Prizes due to the practical uses of their discoveries. Consider the history of penicillin. Originally discovered in 1928 by the Scottish biologist, Sir Alexander Fleming, the full potential of the medication was not seen until its wide use in WWII. It wasn’t until 1945, 17 years after its discovery, that Sir Fleming received the Nobel Prize. By that time, the medication had saved millions of lives. Stem cells have also been studied extensively over time and have crept into the national dialogue as a buzzword, particularly the stem cells found in fetuses. However, the actual stem cells that are now being used to treat diseases in the United States, and the same cells that warranted the 2012 Nobel Prize in Medicine, are adult stem cells. This type of stem cell is found in fully developed individuals and flourish in all people—regardless of age or health. Most cells found in the body have developed into a specific type of cell, like a skin cell or a brain cell. At the turn of the 20th century, biologists discovered that some cells that reside in the body have not yet been assigned as a certain type of cell. Stem cells are simply blank cells standing by to meet your body’s needs. The use of these cells to treat diseases traces back to 1968 when the first bone marrow transplant was

Stem Cells: The Next Big Thing Lung disease accounts for the loss of 150,000 lives every year and is the third leading cause of death in the United States. Specialists using stem cells from the patient’s own body can offer treatment for people suffering from lung diseases like:

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The discovery of penicillin was an early example of ground breaking medical advancements changing the course of modern medicine.

performed. The result of placing healthy stem cells into a sick individual’s body is the creation of healthy blood cells that are not infected with the disease. In turn, these cells replace the diseased ones and start to heal the patient. Today, a clinic called the Lung Institute is using adult stem cells harvested from

the patient’s own fat, blood or bone marrow to provide similar healing results for people with lung diseases. Their website, www.lunginstitute.com, states that they have treated over 1000 patients to date. The physician gives the patient a growth factor that multiplies their stem cells into millions of healthy cells before extracting them from the patient, then they separate the cells and reintroduce them into the patient’s body. The result is that the healthy cells replace the damaged ones found in the lungs. Not only can this slow the progression of the disease, but it also works to restore lung function. Just as penicillin was recognized by the scientists that award the Nobel Prize in Medicine, so have stem cell developments. If the number of people who have already been successfully treated with stem cells is any indication of the future, then it will undoubtedly be heralded as one of the ground-breaking medical technologies of its time.

No fetal or embryonic stem cells are utilized in Lung Institute’s procedures. All treatments performed at Lung Institute utilize autologous stem cells, meaning those derived from a patient’s own body.

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What Happened To That Dollar You Earned? How government confiscates almost half of it

Many of us—probably most of us— have had an occasion to gaze at an empty wallet or examine a lean bank statement and ask ourselves the simple question… where did my money go? It can be puzzling at times, since you may not recall actually spending what you earned, but that’s because there’s an intermediary process that intercepts a very large (and growing larger all the time) chunk of your hard-earned wages. In government-speak, the process is called the Federal Tax Code, a 74,000-page behemoth that sets forth the rules and regulations surrounding our nation’s income taxes, payroll taxes, estate taxes, gift taxes, and excise taxes, and is administered by well over 80,000 employees. The Tax Foundation, a non-partisan research group, reports that nearly a third of a worker’s 8-hour day is now consumed by federal, state, and local taxes, a glaring example of the burden put on American workers through unbridled governmental spending. In fact, “Tax

by Gerry Hafer 30 | www.amac.us

Freedom Day”—the day your earnings have satisfied your annual federal, state, and local tax obligation, assuming all of your earnings were paid to the government from January 1—occurred on April 24 this year, one day later than last year and six days later than the year before. One hundred years ago, this milestone took less than three weeks to hit. Here’s another way to look at the burden of taxation: the amount we spend on federal, state, and local taxes in 2015 is projected to be $4.8 trillion, almost 10% more than we spend on food, clothing, and housing combined. And this has been the case for more than two decades, with the gap continuing on an upward trend. And don’t forget that the tax burden extends well beyond personal levies— the federal government also places a tax on the earnings of corporations, at a rate of 39% this year. It’s no secret to any of us, of course, that the proceeds labeled “corporate tax revenue” are eventually paid by individual taxpayers. The corporation serves in this process as a “collection agency” for the federal

government, treating its tax assessment as a cost of the product or service produced, ultimately adding this cost to the price paid by the consumer. The most frightening aspect to this runaway tax issue, especially to those concerned with the long term, is that despite the enormous amount of revenue confiscated from us, the federal government continues to spend more than it collects. This deficit—pegged at more than $400 billion for 2015—indicates that the government is continuing year-byyear to spend even more than it takes from us, primarily by adding programs, regulatory staff, oversight offices, and the like, all of which must be funded by the taxpayer.

Government vs. Private Spending Who gets the biggest bang for their buck? Compare: • Andrew Carnegie founding the Carnegie Institute and providing funding for more than 2,000 public libraries, giving away $350 million vs. Congress recently spending $2.4 billion on 10 new jets that the Pentagon insists it does not need or will not use.1 • Microsoft co-founder Paul Allen creating The Allen Institute for Brain Science with a $500 million bequest 2 vs. the federal government’s inability to contain fraud losses within the Medicare system (now estimated at $60 – $100 billion annually). • San Diego real estate billionaire Conrad Prebys donating $100 million for medical research3 vs. t he federa l government wasting roughly $750 billion on unnecessary or poorly delivered services and other needless costs.4 We could go on, but you get the picture. Private philanthropy can have a more direct impact as a result of two principle issues: the absence of bureaucratic overload, and the presence of private enterprise. And speaking of the long term, this year-by-year deficit does accumulate into what is referred to as the national debt, a now $18+ trillion tab that will be passed along to our children and grandchildren. In fact, according to studies by the Heritage Foundation, a child born in 2014 will inherit a $41,000 share of this bill—a share that will grow to $142,000 by the time that child reaches age 24. So, while the rate at which governmental confiscation of our earnings continues to expand, is it any wonder that Americans are becoming increasingly frustrated by the disincentive to work hard? After all, if increasing production and value only results in losing more and more to

taxation, why bother? Why not join the growing population ranks willing to live off of government largesse (which, in reality, is in large part simply a transfer of wealth from the working to the nonworking)? As the run-up to the 2016 elections unfolds, there’s no doubt that candidates and prospective candidates will unfurl a variety of approaches to solving the tax burden dilemma. Naturally, many of these “fi xes” will involve raising more and more revenue via taxes, further intensifying the confiscation of wealth from those who earn it. So, that dollar you earned may shrink even more in the years ahead. ★

1. Heritage Foundation Study 2. www.forbes.com/sites/matthewhe per/2012/03/21/ billionaire-paul-g-alle donates-300-million-inbrain-research-to-understand-what-makes-ushuman 3. www.forbes.com/sites/katiasavchuk/2015/06/24/ san-diego-real-estate-billionaire-conrad-prebysdonates-100m-for-medical-research/?utm_ source=Sailthru&utm_medium=email&utm_ term=Daily-Digest&utm_campaign=6.16%20 Afternoon%20Send%202015-06-24%22%20 \t%20%22_blank 4. www.nytimes.com/2012/09/11/ opinion/waste-in-the-health-caresystem.html?_r=1

www.amac.us | 31

How to Tell Time Like a Man

Our digital-analog hybrid has two sides... tough and tougher. Get it now for an unbelievable $59!

our watch shouldn’t cost more than your car. It should look and feel like a power tool and not a piece of bling. Wearing it shouldn’t make you think twice about swinging a hammer or changing a tire. A real man’s timepiece needs to be ready for anything. But that’s just my opinion. If you agree, maybe you’re ready for the Stauer Centurion Hybrid. Use your Exclusive Insider Promotional Code below and I’ll send it to you today for ONLY $59.

This watch doesn’t do dainty. And neither do I. Call me old-fashioned, but I want my boots to be leather, my tires to be deep-tread monsters, and my steak thick and rare. Inspiration for a man’s watch should come from things like fast cars, firefighters and power tools. And if you want to talk beauty, then let’s discuss a 428 cubic inch V8. Did I mention the $59 price tag? This is a LOT of machine for not a lot of money. The Stauer Centurion Hybrid sports a heavy-duty alloy body, chromed and detailed with a rotating bezel that allows you to track direction. The luminous hour and minute hands mean you can keep working into the night. And the dual digital displays give this watch a hybrid ability. The LCD windows displays the time, day and date, includes a stopwatch function, and features a bright green electro-luminescent backlight. We previously offered the Centurion for $199, but with the exclusive promotional code it’s yours for ONLY $59!

No matter what, this watch can keep up. Thanks to the Stauer 30-day Money Back Guarantee, you’ve got time to prove it. If you’re not totally satisfied, return it for a full refund of the purchase price. You also get a 2-year replacement guarantee on both movements. But I have a feeling the only problem you’ll have is deciding whether to keep the Stauer Centurion on your dresser or tucked inside your toolbox.

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The Facts on Income Confiscation and Government Spending

Each passing year, government at all levels – particularly the federal government – is confiscating more and more of our income. At the same time, our national debt continues to balloon. This continued pattern of bloated government and “income confiscation” has not only impacted the ability of young people to get ahead and seniors to live comfortably, it has also shouldered our children and grandchildren with a lifelong burden of debt.

The 31.5 percent tax wedge for a U.S. worker represents an $8,631 average individual income tax bill and an $8,741 average payroll tax bill for a total average tax bill of about $17,372. The result is an after tax income of $37,604. In the absence of these three taxes, the average worker would have taken home $54,977.

The total federal debt now tallies more than $18 trillion. Just six and a half years ago when President Obama took office, total debt stood at $10.6 trillion, which means it now has increased by almost $8 trillion— roughly 70 percent—during his tenure as president.

Tax Freedom Day is the day when the nation as a whole has earned enough money to pay its total tax bill for the year. It takes all federal, state, and local taxes and divides them by the nationâ&#x20AC;&#x2122;s income. In 2015, Americans will pay $3.28 trillion in federal taxes and $1.57 trillion in state and local taxes, for a total tax bill of $4.85 trillion, or 31 percent of national income. This year, Tax Freedom Day was April 24, or 114 days into the year. In 1900, only 5.9% of national income was required to pay the tax bill, and Tax Freedom Day fell January 22.

11 illuminated lanterns keep this wreath shining bright all season long!

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Intricate, 3-D holiday scenes include 7 lighted buildings and more than 20 characters, all hand-painted!

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An Ounce of Hydrogen Peroxide is Worth a Pound of Cure (SPECIAL) - Hydrogen peroxide is trusted by every hospital and emergency room in the country for its remarkable ability to kill deadly germs like E. coli and the swine flu virus. In fact, it has attracted so much interest from doctors that over 6000 articles about it have appeared in scientific publications around the world. Research has discovered that hydrogen peroxide enables your immune system to function properly and fight infection and disease. Doctors have found it can shrink tumors and treat allergies, Alzheimer’s, asthma, clogged arteries, diabetes, digestive problems, migraine headaches, and arthritis pain. Smart consumers nationwide are also discovering there are hundreds of health cures and home remedy uses for hydrogen peroxide. A new book called The Magic of Hydrogen Peroxide is now available that tells you exactly how to use hydrogen peroxide by itself... and mixed with simple everyday kitchen items... to make liniments, rubs, lotions, soaks and tonics that treat a wide variety of ailments. It contains tested and proven health cures that do everything from relieving chronic pain to making age spots go away. You’ll be amazed to see how a little hydrogen peroxide mixed with a pinch of this or that from your cupboard can: • Relieve the pain of arthritis, rheumatism and fibromyalgia • Treat athlete’s foot • Clear up allergies and sinus problems • Soothe sore throats • Fight colds and flu • Help heal boils and skin infections • Whiten teeth without spending a fortune • Destroy harmful dental bacteria and heal gingivitis • Help heal cold sores and canker sores • Clear up foot and nail fungus • Relieve the sting and pain of insect bites • Soothe sore feet • Relieve ear aches • Soothe muscle aches • Enable minor wounds, cuts and scrapes to heal faster • Refresh and tone your skin

• Clear up acne, rashes and age spots • Help heal yeast infections • And much more Besides killing E. coli and the swine flu virus, hydrogen peroxide also destroys botulism, salmonella and other harmful organisms. It works by making viruses and bacteria selfdestruct on the cellular level. Amazingly, for something so powerful, hydrogen peroxide is safe. That’s because after it makes germs self-destruct, hydrogen peroxide breaks down into harmless water. The Magic of Hydrogen Peroxide book is a valuable health improvement treasure that also shows you how to make tons of household cleaners that work better and more economically than expensive store-bought products. It’s a safe powerful alternative to harsh chemical cleaners. Discover easy-to-make formulas that: • Kill germs on kitchen counters and surfaces • Sterilize dishes, cups and kitchen utensils • Make a powerful scouring powder that works wonders on kitchen sinks, refrigerators and ovens • Disinfect and deodorize coffee makers, tea pots, blenders and food processors • Sanitize wood cutting boards and wooden spoons • Clean out and disinfect clogged drains • Make hardwood floors, tile floors, grout and linoleum gleam • Get rid of harmful bacteria on fruits, vegetables and meats with this safe and effective food rinse • Eliminate nastiness from toilet bowls, bath tubs, showers and shower curtains • Sterilize and purify toothbrushes and dentures • Clean and disinfect pet stains • Remove mold and mildew from basement walls, roofs and other surfaces • Disinfect diapers, pacifiers and baby toys • Remove wine, ink and blood stains from clothing, carpets and furniture • Boost laundry detergent power and restore brightness and color to fabrics

• Streak-free-clean your windows and mirrors • Clean and deodorize your car • Eliminate skunk stench on pets and foul odors from litter boxes, old tennis shoes, etc. • Rid pets of parasites and bacteria • Make indoor and outdoor plants flourish with a surefire fertilizer and insecticide all rolled-into-one • Keep hands germ-free without expensive hand sanitizers • And much more The Magic of Hydrogen Peroxide contains many more amazing health remedies, cleaning formulas and gardening mixtures. In addition, it also gives you a list of qualified physicians who use hydrogen peroxide in their practices to treat serious ailments. Also included FREE with each book are useful tips and home remedy formulas using vinegar, garlic baking soda and teas. To get your copy of The Magic of Hydrogen Peroxide direct from the publisher at the special introductory price of $19.95 plus $3.98 shipping and handling (total of $23.93, OH residents please add 6.5% sales tax) simply do this: Write “Hydrogen Peroxide” on a piece of paper and mail it along with your check or money order payable to: James Direct, Inc., Dept HP592, 500 S. Prospect Ave., Box 980, Hartville, Ohio 44632. You can charge to your Visa, MasterCard, Discover or American Express by mail. Be sure to include your card number, expiration date and signature. Want to save even more? Do a favor for a relative or friend and order two books for only $30 postpaid. Remember, you’re protected by our 90-day money back guarantee. If you’re not happy, for any reason, we’ll refund your money. Simple as that. FREE GIFT! You will also receive a copy of the handy booklet “How To Grow, Dry, Use & Prepare Herbs” as our gift to you. Even if you return the book, it is yours to keep with no obligation. Hurry! Supplies are limited so you must act now. ©2015 JDI HP134S03 http://www.jamesdirect.com

LETTERS Hydrogen Peroxide Knocks Out the Toughest Cases of Athlete’s Foot

hen I read, treat athlete’s foot, I had to try it. I have been fighting with this for four months. I tried every kind of salve from the drug store with no luck. But when I put hydrogen peroxide on my feet it has started to go away. So now I need two books on hydrogen peroxide. One for my best friend. They are like having a doctor in your home. - M. R. Sun Prairie, WI

NEWS & RESEARCH Hydrogen Peroxide: the First Responder of the Immune System

ew research conducted at Harvard Medical School and University of Wisconsin – Madison has offered exciting clues as to how our bodies fight off infection and disease. It’s been common knowledge in medical circles that our bodies produce hydrogen peroxide, but new studies of human and animal cells are shedding new light on the critical role hydrogen peroxide plays in immunity, wound healing and even tumor biology. This new data shows that hydrogen peroxide is the catalyst to the body’s effective fight against disease and infection. This is one more brick in the wall of evidence supporting hydrogen peroxide’s safety and power. Readers are urged to pick up The Magic of Hydrogen Peroxide without delay to begin harnessing the power and saving money without delay. To get this valuable book direct from the publisher a special introductory price of $19.95 has been arranged plus $3.98 shipping and handling (total of $23.93, OH residents please add 6.5% sales tax) and write “Hydrogen Peroxide” and mail it with a check or money order payable to: James Direct, Inc., Dept HP592, 500 S. Prospect Ave., Box 980, Hartville, Ohio 44632. Want to save even more? Do a favor for a relative or friend and order 2 books for only $30 postpaid. *Testimonials are atypical, your results may be more or less.

A Penny’s Worth of Wisdom

penny saved is a penny ea rned. T V a nd radio commentator Sean Hannity adheres to that old adage and proposes that Congress adopt it as its motto as well. He’s pressing law ma kers to back a pla n originally proposed by former Representative Connie Mack of Florida. It calls for cutting one cent a year from every dollar the government spends as a means of dealing with the sky-rocketing national deficit. It doesn’t sound like much at first glance, but the think-tank FreedomWorks believes the idea is powerful enough to achieve a balanced budget by 2019. By that organization’s calculation, it would reduce Federal spending by $7.5 trillion over the next ten years. Hannity says “it is a moral imperative that we live within our means, that we balance our budget, and that this country stop deficit spending, and stop building up the size and the scope and the inf luence of government.” He explains that the current practice of baseline budgeting is madness. He says that the idea of

by John Grimaldi

38 | www.amac.us

mindlessly projecting increases of up to six and seven percent a year in government spending across every program is madness. A baseline budget uses the current spending levels of a government agency or department as a f loor upon which future budgets are created. It makes the assumption that the present level of spending is correct and, while it is an a ssu mpt ion a nd not nec essa r i ly a fact, it allows for the upward adju st ment of spending based on a variety of factors. These can include inflation, cost of l iv i ng i ncrea ses a nd h ig her resou rce costs among other t h i ngs. T he one thing that baseline budgets do not take into account is the need to reduce spending. No consideration is given to the possibility of spendthrift requests for more money. Thus, Connie Mack came up with the idea of simply forgetting about arbitrary baselines and making

for Cutting Federal Spending budget cuts st ra ig ht for wa rd reductions in spending. A cut is a cut under the Mack plan and not the specious reduction of scheduled increases. The advantage of the Penny Plan is that it cuts directly from the budget as it exists, instead of cutting from the baseline, e.g., expected future spending. So a cut is actually a cut, not merely a reduction in expected spending. It also caps noninterest spending at 18% of Gross Domestic Product, which is necessary in order to keep spend i ng f rom exploding. As Ha nnit y explains it: “The Pen ny Pla n i s simple. If you have a budget at home, and you’re spending more money than you take in, and you’re literally on the verge of bankruptcy in your own personal life, and some accountant comes in and says ‘Here’s what we need to do, you need to cut one penny of spending out of every dollar you spend, cut back here, here, here,

here, everywhere. Then we can get you to a balanced budget. Cut up your credit cards, do whatever you have to do, but you can’t keep spending the way you’re spending without going into bankruptcy court.” Since it was fi rst proposed, support for the Penny Plan or the One Cent Solution, as some call it, has waxed and waned. Sean Hannity has breathed new life into it by focusing on the positive impact it would have on the economy. Jim Miller, former Budget Director under President Ronald Reagan, called the idea “simple, elegant, understandable” describing it as the sort of defi nitive action that the late president might have backed. Economists James Carter, a former Treasury official, and Jason Fichtner, a Senior Research Fellow at George Mason University’s Mercatus Center, thought so much of the Penny Plan that they penned an Opinion Article promoting it. Their conclusion: “The economy is recovering slowly from a severe recession, and millions of American families have been forced to tighten their own budgets. Americans have found ways to do more with less. Is it too much to ask that the Federal government do the same?”

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www.amac.us | 39

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ead to beautiful Shenandoah National Park, just 75 miles from our capital city of Washington, D.C. Located along the Blue Ridge Mountains of north-central Virginia, the park features over 500 miles of pristine trails ready for exploration. Managed by the U.S. National Park Service, the land is protected as part of the National Wilderness Preservation System. The long and narrow park features dramatic mountain peaks, cascading waterfalls, and exposed rocks dating over one billion years old. The Shena ndoa h River, a tributary of the Potomac River, lies to the park’s west. The Shena ndoa h Va l ley reg ion stretches 200 miles across the Blue Ridge and Allegheny Mountains. Scenic Skyline Drive is one of the park’s most popular destinations. The famous 105-mile road runs

by D.J. Wilson 42 | www.amac.us

the entire length of the park along the ridge of the mountains and features many picturesque overlooks. It is the fi rst National Park Service road east of the Mississippi River to be listed as a National Historic Landmark on the National Register of Historic Places. The road is also designated as a National Scenic Byway. The drive is most desirable in the fall, amidst changing colorful leaves. 101 miles of the Appalachian Trail are located within the park. Vast wilderness areas feature trails leading to waterfa lls, scenic points, or deep into the thick forest. Hiking trails vary in complexity, from short and easy to long and challenging. For this reason, it’s best to plan your trip in advance. The National Park website lists suggested hikes, trail descriptions, and printable maps which feature ability descriptors using a numerical rating. Hikes rated less than 50 are suitable for those who enjoy walking

on the National Register of Historic Places. The road is also designated as a National Scenic Byway. The drive is most desirable in the fall, amidst changing colorful leaves.

on mostly level land, or with a slight incline, on trails which are generally less than three miles long. The most difficult hikes fall into the “very strenuous” range, with a rating greater than 200. This is ideal for well-conditioned and prepared hikers with experience. These trails are over eight miles long and involve steep climbs, rock scrambling, stream crossing and other challenges. Old Rag Mountain, within the boundaries of Shenandoah National Park, is a most popular and dangerous hike. Atop the peak gives the very best views of Virginia. The

summit of Hawksbill Mountain is the highest point in Shenandoah National Park. The unspoiled wilderness area offers excellent opportunities for quiet and recreation. Hiking, camping, bicycling and horseback riding are amongst the region’s most enjoyable activities. Nature watching is an important part of the Shenandoah National Park experience. White-tailed deer and grey squirrels are often spotted. Black bears and bobcats may also be seen, though they mostly remain deep in the forest. Adaptable predators like coyotes have moved into the region in recent years. An amazing 80,000 acres of the park land are home to nature. To maintain its protection, the park has adopted the Leave No Trace principle. Shenandoah is one of over 130 National Parks to charge entrance fees. According to the National Park Service, roughly 80% of monies collected are used, by law, for projects directly benefitting visitors, such as improving trails and facilities. 20% goes to parks which do not charge fees. Budget-friendly tips: One may visit the park on Entrance Fee Free Days, such as August 25, 2015, a special day to celebrate the National Park Ser vice’s 99th birthday. Plan to visit the park more than twice in a year? Purchase the Shenandoah Annual Pass. Visiting multiple Federal recreation areas within one year? Buy the America the Beautiful and Federal Recreation Lands Annual Pass. Senior and permanent resident discounts are available. Active military members and their dependents are eligible for a free annual pass. To learn more visit nps.gov/shen. ★

www.amac.us | 43

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Your Insurance Advisor

Moving into a Condo? Insurance needs may differ for homeowners and renters

f you are in the market for real estate, you may be considering a condominium — with good reason. Condos can be an attractive option for empty-nesters and retirees who want to leave it to others to shovel the front walk or mow a lawn, among other advantages. But have you considered the insurance implications of owning a condo? You should know that there are unique requirements for insuring a condo, because your building and your individual unit have separate characteristics. The condominium association typically insures common areas; the condo insurance policy that you purchase for your unit will generally cover what’s within your walls, your personal property, and personal liability.

A condo owner’s insurance policy typically can cover: ✓ Damage to furniture, clothing, appliances, and other personal items; ✓

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Your personal liability in the event someone is injured or their property is damaged. When common-area losses occur, the association may assess a certain dollar amount to each condo owner if the building and/or commonly shared areas are destroyed by a covered cause of loss that goes beyond the limits of the master policy. Before you buy, check with your association regarding what the master policy covers as it

Your Insurance Advisor

48 | www.amac.us

may vary from place to place. In figuring out how much condo insurance you may need, consider what is covered in the master policy and how much it would cost to replace all of your personal items. Your limits should be in line with what you own so it can be replaced w ith items of similar kind and quality. We encourage home and condo owners to create a home inventory and keep it in a safe place. This will help a condo owner account for their possessions should they be lost in an unfortunate disaster. If you need additional coverage for your expensive items, valuable items coverage can be added to a condo owner’s policy. A personal articles f loater policy w ill ty pically also insure items like jewelry, collectibles and antiques.

There are some smart ways to save on condo insurance, including: ✓ Choosing one insurance provider for your auto, home and other personal insurance needs for multi-policy discounts; ✓ Raising your deductible if you can afford it; and ✓ Asking about discounts like a homeowner’s association credit. ★ Travelers can assist with condo insurance and any other personal insurance needs you may have with a savings advantage for AMAC members. Find out more by calling 1-888-892-1234 to discuss your insurance needs with a licensed insurance representative at Travelers.

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hey call walking the “perfect exercise.” It gets your heart pumping, clears your head and fills your lungs with fresh air. Not bad, but we found a way to make it even better. Before you take your next 10,000 steps, add a little strut to your stroll. Take the Stauer Gentleman’s Walking Stick anywhere and I promise that you’ll feel like a conquering hero. Heads will turn. Doors will open. Its powers will astound you. What’s the secret? Pure class. Our Stauer Gentleman’s Walking Stick is a tip of the top hat to turn-of-the-century tradition. Today, serious collectors gladly pay thousands for rare and handcrafted sticks from the 19th century. But only Stauer can deliver a modern version of this vintage classic—that looks and feels as good as the original—for ONLY $49! Sticks that make a statement. For centuries, no respectable man was seen in public without a walking stick by his side. They were as indispensable as a fine tailored suit or fancy moustache. Well-heeled men “wore” them as symbols of power and prestige, using elaborately decorated staffs to help navigate trails, dispatch opponents or conceal gadgets and contraband. Simply put, they were the must-have accessory for any sharp-dressed man on the move. The ultimate travel companion. Hold it once and you can feel that it’s not some hollow imitation. Our Gentleman’s Walking Stick is crafted from a solid shaft of imported Sheesham (Indian Rosewood) and finished with layers of black lacquer. The rounded, knob-style head has serious weight and the silver-finished brass features an elegant engraved design that adds flair while improving your grip. And a black rubber tip steadies your stance on all sorts of surfaces from dirt and asphalt walkways to marble floors and Persian rugs. Your satisfaction is 100% guaranteed. Try the Stauer Gentleman’s Walking Stick risk-free for two months. If you’re not convinced that it adds sophistication to your stride, simply send it back within 60 days for a complete refund of your purchase price. But we’re betting that after your first step with this stick, you’ll never walk alone again!

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Have you ever said to yourself “I’d love to get a computer, if only I could figure out how to use it.” Well, you’re not alone. Computers were supposed to make our lives simpler, but they’ve gotten so complicated that they are not worth the trouble. With all of the “pointing and clicking” and “dragging and dropping” you’re lucky if you can figure out where you are. Plus, you are constantly worrying about viruses and freeze-ups. If this sounds familiar, we have great news for you. There is finally a computer that’s designed for simplicity and ease of use. It’s the WOW Computer, and it was designed with you in mind. This computer is easy-to-use, worry-free and literally puts the world

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

you took part? Call now, and a patient, knowledgeable product expert will tell you how you can try it in your home for 30 days. If you are not totally satisfied, simply return it within 30 days for a refund of the product purchase price. Call today. • Send & Receive Emails • Have video chats with family and friends • Surf the Internet: Get current weather and news • Play games Online: Hundreds to choose from!

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“I love this computer! It is easy to read and to use! I get photo updates my children and grandchildren all the time.” – Janet F.

Gone Fishin! M

y husband has had a love affair with fishing since he was young, and is happiest with a fishing rod in his hand. One result of his passion for casting a line is that fresh fish often appears as the main attraction on our dinner table. The world's oceans, lakes and rivers offer an endless variety of fish whose mild flavor and firm texture can be matched with a wide range of flavors and cooking methods, and as a low-calorie source of vitamins and healthy oils, I welcome every bucket he brings home. ⚓ Not reeling in your own fish? Visit a busy fish market. Fish can be purchased whole, or as fi llets or steaks. Fillets are boneless, skinless and cut lengthwise from the backbone. Steaks are a crosscut section of a cleaned, scaled fish cut at least ¾ inch from the thickest part. ⚓ Select fillets or steaks with moist, firm, well-toned flesh. Whole fish should have bright and slightly bulging eyes. Neither should be soft, mushy, smelly or slimy. ⚓ Ideally, it’s best to buy fish the day you plan to cook it, but it you must store it - quickly rinse in a bowl of ice water infused with some freshly squeezed lemon, pat dry, and place in a zip-lock bag. Store on the bottom shelf in the back of in the refrigerator (the coldest section), and use within 2 -3 days. ⚓ If you live far from the sea, frozen fish is a good alternative. Well prepared, freshly frozen fish are virtually indistinguishable from fresh. Thaw frozen fish in the refrigerator overnight, or for about 8- 10 hours. ⚓ The rule of thumb for serving size is 6 oz. of fillet, steak or whole fish per person. ⚓ Fatty, stronger tasting fish, such as bluefish, mackerel, swordfish, tuna and salmon, are best for broiling, baking and grilling.

⚓ Lean, delicate and mild flavored fish, such as flounder, sole, halibut, snapper and sea bass, are best poached,

54 | www.amac.us

The world's oceans, lakes and rivers offer an endless variety of fish whose mild flavor and firm texture can be matched with a wide range of flavors and cooking methods... sautéed or cooked in foil. ⚓ There are plenty of fish in the sea, so feel free to exchange one species of fish for another in a recipe. Just remember to substitute a “lean” fish or a “fatty” fish with another from the same category. ⚓ Fish fi llets often come in odd-size pieces of uneven thickness. If your fi llet is thinner on one end, tuck the thinner section under the thicker section for even cooking.

⚓ When cooking fi sh, the "10-minute rule" is the best guide. Measure the fish at its thickest point. If the fish is stuffed or rolled, measure it after stuffing or rolling. Cook fish 10 minutes per inch, turning it halfway through the cooking time. Add 5 minutes to the total cooking time if you are cooking the fish in foil or in a sauce. To check for doneness – make a small cut with a paring knife to see if the flesh has turned from translucent to opaque, and is beginning to flake.

★

Kathie’s Kitchen Flounder Piccata ❏ 8 – 3 oz. flounder fillets ❏ ¾ tsp. salt - divided ❏ 1 tsp. black pepper - divided ❏ ¼ cup flour ❏ 4 tsp. olive oil – divided

❏ ¼ cup dry white wine ❏ 3 Tbs. fresh lemon juice ❏ 1 Tbs. capers – drained ❏ 3 Tbs. unsalted butter ❏ 2 Tbs. minced fresh parsley

Rinse fillets and pat dry. Season with ½ tsp. salt and ½ tsp. black pepper. Dredge in fl our. Heat 2 tsp. olive oil in non-stick skillet over medium-high heat. Add half of the fillets, and cook until golden – about 2 minutes per side. Transfer fillets to a platter, and tent with foil. Repeat with remaining oil and fillets. Add wine, lemon juice and capers to empty skillet. Cook for 30 seconds. Off the heat, swirl in butter until it melts. Add ¼ tsp. salt, ½ tsp. black pepper, and parsley. Spoon over fish. Serves 4.

Codfish Creole ❏ 2 Tbs. butter or margarine ❏ 1 green pepper - chopped ❏ 1 onion - chopped ❏ 3 cloves garlic - minced ❏ 1 - 28 oz. can whole tomatoes in puree ❏ 1 tsp. sugar

Melt butter in a large saucepan. Sauté green pepper, onion and garlic until tender. Add tomatoes, sugar, salt, pepper and paprika. Simmer 20 – 25 minutes breaking up tomatoes with a spoon. Place fish in pan, spooning sauce over the top of fillets to cover. Simmer gently for 10 – 12 minutes or until fish is cooked through.

Herb Crusted Salmon ❏ 1 cup fresh parsley ❏ 4 scallions – green sections only ❏ ¼ cup fresh basil ❏ 6 stalks fresh chives ❏ 2 shallots – peeled ❏ 1 garlic clove - peeled

❏ 1 tsp. salt ❏ ½ tsp. black pepper ❏ 1 Tbs. paprika ❏ 4 – 6 oz. codfish fillets ❏ Cooked white rice - optional

❏ ¼ cup olive oil ❏ 3 Tbs. plain bread crumbs ❏ 1 tsp. Dijon mustard ❏ 2 – 8 oz. center-cut salmon fillets ❏ salt & pepper

Serve over rice. Serves 4.

Oriental Grilled Swordfish

Preheat oven to 325°. Place parsley, scallions, basil, chives, shallots, garlic and olive oil in food processor or blender and process until smooth. Transfer mixture to a medium bowl. Add bread crumbs and mustard.

❏ 4 – 6 oz. swordfish steaks ❏ ¼ cup soy sauce ❏ 2 Tbs. lemon juice ❏ 2 Tbs. sherry

❏ 1 tsp. sesame oil ❏ 1 clove garlic – minced ❏ 1 tsp. sugar ❏ Vegetable oil

Line a baking sheet with foil and lightly coat with cooking spray. Arrange salmon fi llets on foil. Season with salt & pepper. Spread each fi llet with a thick coating of the herb mixture – making sure to cover all the way to the edges.

Lay swordfi sh in a large glass baking dish. Combine soy sauce, lemon juice, sherry, sesame oil, garlic and sugar. Pour over fish. Cover with plastic wrap, and marinate for 30 minutes to 2 hours, turning once.

Bake fish on center rack for 12 – 15 minutes or until flaky. Serves 2.

Preheat grill to hot. Brush grill racks with oil. Lay fish on grill and cook for 5 - 6 minutes on each side or until fish begins to flake. Serves 4.

www.amac.us | 55

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SCIATICA LEG PAIN?

If you suffer from Sciatica symptoms, such as intense pain in the buttocks and lower back, or pain and numbness in your legs and feet, you are not alone. MagniLife® Sciatica Relief combines four active ingredients, such as Colocynthis to relieve the burning pains and tingling sensations. “I am absolutely amazed at how it works and how fast it works.” - T Martin. Tablets dissolve under the tongue and can be taken along with other medications. “Those little tablets are like relief in a snap.” - Patsy, CO. MagniLife® Sciatica Relief is available at CVS/pharmacy, Walgreens, Rite Aid Pharmacy and Walmart. Order risk free for $19.99 ($5.95 S&H) for 125 tablets per bottle. Get a FREE bottle when you order two for $39.98 ($9.95 S&H). Send payment to: MagniLife S-AM3, PO Box 6789, McKinney, TX 75071 or call 1-800-516-8079. Complete satisfaction guaranteed for 90 days, or receive a full refund. Order now at www.LegBackPain.com

DIABETIC LEG CRAMPS AT NERVE PAIN? NIGHT?

Do you suffer from burning, tingling, or numbing pain in your feet or legs? You should know help is available. 20 million Americans suffer from these symptoms and put up with the pain, because they are not aware of this proven treatment. MagniLife® Diabetic Neuropathy Foot Cream contains eucalyptus oil and yellow jasmine, known to relieve tingling, numbness, and discomfort while also restoring cracked, damaged, and itchy skin. “It’s the ONLY product that helps relieve the burning, and tingling feeling in my feet! .” - Mable NY. MagniLife® Diabetic Neuropathy Foot Cream is available at Walgreens, CVS/ pharmacy, Rite Aid Pharmacy and Walmart, located in the foot care and diabetes sections. Order risk free for $19.99 ($5.95 S&H) for a 4 oz jar. Get a FREE jar when you order two for $39.98 ($9.95 S&H). Send payment to MagniLife NC-AM3, PO BOX 6789, McKinney, TX 75071 or call 1-800659-3015. Complete satisfaction guaranteed for 90 days, or receive a full refund. Order now at www.MDFootCream.com

SHINGLES PAIN FIBROMYALGIA OR ITCH? PAIN OR FATIGUE?

Do you suffer from painful rashes and experience tingling, burning, or a blistering skin rash that often results in long-term pain even after the rash is gone? Many people are putting up with the discomfort and itching because they are not aware of this new advancement in skin care. MagniLife® Shingles Recovery Cream contains 16 powerful ingredients such as arnica and tea tree oil that help restore the skin and relieve the pain and itch. “Thank God. It works! It has been a life saver. It controls the pain and after.” - Shirley R., KY. MagniLife® Shingles Recovery Cream is available at CVS/pharmacy and Rite Aid Pharmacy. Order risk free for $19.99 ($5.95 S&H) for a 1.8 oz jar. Get a FREE jar when you order two for $39.98 ($9.95 S&H). Send payment to: MagniLife SH-AM3, PO Box 6789, McKinney, TX 75071 or call 1-800659-3015. Complete satisfaction guaranteed for 90 days, or receive a full refund. Order now at www.ShinglesRecovery.com

If you are one of the 16 million Americans suffering from all over pain, have difficulty sleeping, or have the feeling of little or no energy, relief is now available. MagniLife® Fibromyalgia Relief combines 11 active ingredients, which relieve the deep muscle pain, painful joints, and back and neck pain. “These tablets have just been WONDERFUL. I’d recommend them to anyone and everyone!” - Debra, WV. Tablets dissolve under the tongue. “They also help me immensely with my sleep!” - Cathy W. MagniLife® Fibromyalgia Relief is available at CVS/pharmacy and Rite Aid Pharmacy. Order risk free for $19.99 ($5.95 S&H) for 125 tablets per bottle. Get a FREE bottle when you order two for $39.98 ($9.95 S&H). Send payment to: MagniLife F-AM3, PO Box 6789, McKinney, TX 75071 or call 1-800-516-8079. Complete satisfaction guaranteed for 90 days, or receive a full refund. Order now at www.PainFatigue.com

If you experience painful muscle cramps in your legs, calves, feet, or toes, especially at night, help is now available. Over 100 million people suffer from nighttime leg cramps and put up with the pain and loss of sleep when relief is available. MagniLife® Leg Cramp Relief contains eight active ingredients, such as Magnesia Phosphorica, which reduces cramps and radiating pains that are worse at night. “Your product has severely helped me and I thank you so very much.” - Marie L., MT. MagniLife® Leg Cramp Relief is available at CVS/pharmacy and Rite Aid Pharmacy. Order risk free for $19.99 ($5.95 S&H) for 125 tablets per bottle. Get a FREE bottle when you order two for $39.98 ($9.95 S&H). Send payment to: MagniLife L-AM3, PO Box 6789, McKinney, TX 75071 or call 1-800-516-8079. Complete satisfaction guaranteed for 90 days, or receive a full refund. Order now at www.LegCrampsRelief.com

AGE SPOTS?

Are unsightly brown spots on your face and body making you uncomfortable? Age spots, also known as liver spots, affect the cosmetic surface of the skin and add years to your appearance. Many people live with the dark spots and try to cover them with makeup, or bleach them with harsh chemicals. MagniLife® Age Spot Cream uses natural botanicals, such as licorice root extract, to naturally fade age spots, freckles, and other age-associated discolorations. Beneficial ingredients help protect skin from harmful external factors, and emollients soften and smooth the skin. “I’ve been using MagniLife Age Spot Cream for several months, and I can testify that it works! Thank you for this really wonderful natural product.” Ella D., FL. MagniLife® Age Spot Cream can be ordered risk free for $19.99 ($5.95 S&H) for a 2 oz jar. Get a FREE jar when you order two for $39.98 ($9.95 S&H). Send payment to: MagniLife AC-AM3, PO Box 6789, McKinney, TX 75071 or call 1-800-659-3015. Complete satisfaction guaranteed for 90 days, or receive a full refund. Order now at www.AgeSpotSolution.com

Patio Inspirations

W hether manning the grill or kicking back under the bright blue sky, patios are divine outdoor places to gather with family and friends. Patio retreats offer peaceful respite from hectic work weeks and familytending days. Your backyard is an extension of your home, so why not incorporate this versatile area by designing beautiful outdoor living spaces that will provide a tranquil escape and even increase the value of your home? The yard is often the most beautiful area of the home and also the most overlooked. Simple outdoor decorating will help incorporate outside activities into your family’s lives by creating a cool space away from daily life. Consider opt i ng for neut ra l

by D.J. Wilson 58 | www.amac.us

color palettes, spare furniture arrangements, and plentiful plantings to fashion serene scenes that match your relaxing and entertaining needs. Keep it low-maintenance by selecting weatherproof furniture and fabrics and cultivating a garden from easycare container plantings. Ranging from simple to ornate, features such as outdoor kitchens, fi re pits, and seating are available. Give an old patio a facelift with these inspiring ideas: • Create an attractive walkway using flagstones leading to your patio area. • Incorporate landscaping into your design by adding trees, shrubs, flowers, or potted plants. • Complement your space with a lattice privacy wall. Add vines or a natural wreath to blend with nature.

• Enhance your space with an awning or pergola to create a shaded oasis. • Add a rustic table and chair set to create a perfect dining area. • Bring indoor elements outside. This includes candles, comf y cushions, tablecloths, indoor/ outdoor area rugs, and durable knick-knacks to warm up the space. • Surround the patio with specialty lighting to add ambiance and make your outdoor area nighttime friendly. • Install a relaxing patio fountain to enjoy on a lovely summer afternoon. • Add butterfl y bushes and birdhouses on your property to attract nature. • Place Adirondack chairs pointed toward your favorite spot in the yard. ★

Outrage Over Survival Food Demand surges for breakthrough 25-year survival food as smart seniors stock up. e’ve never seen anything like it before. Right now, our truckers can barely keep up with the rapidly rising demand. We have even been getting reports that this food is actually sold out in many parts of the country – and it might stay that way for a while.

What the heck is going on?

We were determined to figure out why so much survival food has been disappearing… and where it was going. So we did some digging around on our own and it paid off. Wait until you see what we found out. It caught us totally by surprise because it involves a well-known agency that is responsible for aiding Americans in times of crisis. The possibility that they could have something to do with a potential survival food shortage made no sense to us … unless they knew something we didn’t. We were determined to discover the truth for ourselves – and for you. Now, it was impossible to say precisely what these people were up to, but we knew they must be planning for something really big – something really out of the ordinary.

We have the proof in writing!

Just as we were beginning our investigation, our warehouse manager was shocked to receive a request from an official of that very same agency.

They wanted to know:

• How much survival food did we have on hand? • How quickly we can produce more? • Where is inventory kept? • Just how fast could they get their hands on it? We don’t know about you, but any time outsiders starts prying into the affairs of private businesses like ours, we can’t help but get concerned – and frankly, we are. After all, here’s an agency we never heard from before suddenly asking questions about foods intended solely for emergency use in a disaster. Certainly makes you think, doesn’t it? Well, we have a few questions of our own. We’d like someone to tell us exactly what is going on here. Is there really a catastrophe waiting in the wings? Has terrorist activity been discovered in the U.S.? Is the nation’s food supply threatened?

Know what we heard?

It’s like talking to a wall. But we’re going to keep the pressure on until we get some believable information. The truth is, revealing a plot like this could land us in some serious hot water. There’s a reason they’re not going public with any details. But we are absolutely convinced they are up to something. And we think you and every other American really deserves an explanation.

Smart seniors are stocking up on 25-year survival food.

Listen, we all know most people will be woefully unprepared when disaster strikes. The smart among us prefer to take steps

to ensure that in a crisis, we won’t be relying on someone else to take care of our families. That’s our job. Anyone not taking action will find themselves in the same boat as millions of other brainwashed souls who go through life thinking everything is fine. Until one day it is definitely not fine and they are OUT OF LUCK...and in big trouble!

Go to GETFOOD65.COM right now. We just posted a free video presentation that exposes the truth. You can view it right now at GETFOOD65.COM. We have to warn you that you’ll probably think what it shows is really disturbing. Because it sure seems like the American people are being kept in the dark about something that could threaten not only our way of life, but even our very lives. And that is just plain wrong.

Go to GETFOOD65.COM now and you’ll also learn what is the #1 item to hoard in a crisis and why supplies of this critical item are so low in some places or even worse,completely gone – unavailable at any price. See this video while you still can. Watch the controversial video that thousands of smart patriots have already seen in recent days. Do not wait. Go to GETFOOD65.COM and discover the #1 item most critical in a crisis. Go watch this very important video now at GETFOOD65.COM before they force us to shut it down. Get the facts. What you’ll learn could literally save your family’s lives.

LOG ON NOW TO GETFOOD65.COM

Member Beneﬁts Directory

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

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

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

➤ AMAC Medicare/Healthcare Insurance: 800.334.9330

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

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

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

➤ AMAC Long Term Care: 855.601.8361

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

➤ AMAC Guaranteed Acceptance Whole Life Insurance: 866.212.1985

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

➤ AMAC Life Insurance: 888.550.2622

Help protect your family with affordable coverage.

➤ AMAC Dental Insurance: 888.962.4545

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

New Benefit

➤ AMAC Flood Insurance 844.403.5663

Homeowner, Renter, and Business Flood Insurance

➤ AMAC Farm and Ranch Coverage from Travelers 844.420.9262 Save on Insurance for your Agribusiness

New Benefit

➤ American Collectors 855.606.8362 Collector Vehicle & Collectibles Insurance

Financial ➤ RoseMark Advisors, Inc. Financial Services: 888.730.6565

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

New Benefit

➤ Best Egg Personal Loans: www.amac.us/loan Personal loans up to $35,000

➤ First Fidelity Reserve: 800.336.1630

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

➤ Auto Financing and Reﬁnancing: myAutoloan.com

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

New Benefit

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Hotels/Motels

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

Car Rentals Please Note Special Discount Codes

See What’s New!

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Use AWD # S968300 (Savings up to 25%)

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

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

➤ Budget: 800.527.0700

Use BCD D633300 (Savings up to 25%)

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

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

➤ Prescription Discount Card

Save on prescription drug prices at over 59,000 pharmacies nationwide. www.amac.us/rxcard

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

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To become an AMAC member and enjoy our member benefits, join online at amac.us or call 888.262.2006. AMAC - The Association of Mature American Citizens, Inc. | 5 Orville Drive, Suite 400 | Bohemia, NY 11716

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

New Benefit

Just for

Fun Crossword

ACROSS 1. Voting districts 6. Analogous 10. Anagram of “Tine” 14. Of a pelvic bone 15. Alley 16. Midmonth date 17. A type of biologist 19. Encircle 20. Greek god of darkness 21. Female sib 22. A flexible pipe 23. Hemorrhage 25. Express audibly 26. Feathery scarves 30. Putting surfaces 32. Lively tempo 35. Untanned hide 39. Mountain range 40. Charred 41. Terminal stage care 43. Bedclothes 44. Inuit 46. Being 47. Tilt 50. Elder 53. Canvas dwelling 54. A gesture of assent

Sudoku How To Play: •

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

•

Every row must contain the numbers from 1 through 9

•

Every column must contain the numbers from 1 through 9

•

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

62 | www.amac.us

55. A musical composition 60. A sharply directional antenna 61. Powered by electricity 63. Not odd 64. Thorny flower 65. Cadge 66. Arid 67. Savvy about 68. Serpentine DOWN 1. Fermented grape juice 2. Winglike 3. Liturgy 4. Apply 5. Scour 6. Total 7. Emperor 8. Business executive 9. Catches 10. African holly 11. Fool 12. Brusque 13. Fruity-smelling compound

18. American 18. American Sign Language 24. Conceit 25. Not married 26. Hit hard 27. Hodgepodge 28. Beers 29. Snakelike 31. Leisure 33. Grain to be ground 34. Torture device

36. Colored part of an eye 37. Lairs 38. Border 42. An apparition 43. Lad 45. Humble 47. Infections of the eye 48. Depart 49. Ire

51. Eastern Standard Time 52. Standards 54. Roman emperor 56. Midday 57. Dwarf buffalo 58. Clock sound 59. Sore 62. Chief Executive Officer Solutions on page 44

Joke of the Month A boy with a monkey on his shoulder was walking down the road when he passed a policeman who said, “Now, now young lad, I think you had better take that monkey the zoo.” The next day, the boy was walking down the road with the monkey on his shoulder again, when he passed the same policeman. The policeman said, “Hey there, I thought I told you to take that money to the zoo!” The boy answered, “I did! Today I’m taking him to the cinema.” Heard any good ones lately? Send them in!

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

How a Chicago Doctor Shook Up the Hearing Aid Industry with his Newest Invention New nearly invisible digital hearing aid breaks price barrier in affordability Superb Performance From Affordable Digital Hearing Aid

Board-certi�ied physician Dr. Cherukuri has done it once again with his newest invention of a medical grade, all-digital, AFFORDABLE hearing aid.

Dr. Cherukuri knew that untreated hearing loss could lead to depression, social isolation, anxiety, and symptoms consistent with Dementia and Alzheimer’s disease. In his practice he knew that many of his patients would bene�it from new digital hearing aids, but many couldn’t afford the expense, which is not generally covered by Medicare and most private health insurance policies.

Same Technology as $3,000 Hearing Aids

He evaluated the high priced digital hearing aids on the market and then created his own affordable version — called MDHearingAid AIR for its virtually  Mini Behind - the - Ear Digital hearing aid  Sleek, nearly invisible  Doctor - Recommended,

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invisible, lightweight appearance. This sleek doctor-designed, digital hearing aid delivers crisp, clear sound all day long and the soft �lexible ear domes are so comfortable you won’t realize you are wearing them.

This new digital hearing aid is packed with the features of $3,000 competitors at a mere fraction of the cost. Now most people with hearing loss are able to enjoy crystal clear, natural sound — in a crowd, on the phone, in the wind — without whistling” and annoying background noise.

Try it at Home with a 45-Day Risk-Free Trial

Of course hearing is believing, and we invite you to try it for yourself with our RISK-FREE 45-Day home trial. If you are not completely satisfied simply return it within that time period for a full refund of your purchase price. Satisfied Buyers & Audiologists Agree, AIR is the Best Digital Value

“The AIRs are as small and work as well as a $5,000 pair I had previously tried from somewhere else!” —Dennis L., Arizona “...my mother hasn’t heard this well in years, even with her $2,000 Digital! It was so great to see the joy on her face.” —Al P., Minnesota

 FREE Shipping in USA  Batteries Included!

Comes Ready To Use

“I would definitely recommend them to my patients with hearing loss” —Amy S., Audiologist, Indiana

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www.amac.us | 65 hft_amacadvantage_vol9_issue3_M-REG63877.indd 1

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*Individual savings examples reported to Travelers by AMAC members who purchased policies through the Affinity marketing distribution channel in 2014. Individual savings may vary. Savings are not guaranteed. Savings message is not applicable in MA. Insurance is underwritten by The Travelers Indemnity Company or one of its property casualty affiliates, One Tower Square, Hartford, CT 06183. In FL: Homeowners insurance is not currently offered for new business. In TX: Auto insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers company. Coverages, discounts, special program rates or savings, billing options, and other features are subject to availability and individual eligibility. Not all features available in all areas. © 2015 The Travelers Indemnity Company. All rights reserved. Travelers, the ‘Travelers & Umbrella’ logo, and ‘Umbrella’ logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries. PL-16704 Rev. 7-15

Reverse features Great Horned Owl design by Canadian artist Emily Damstra Obverse features the effigy of Her Majesty Queen Elizabeth II by Susanna Blunt The The Fourth and Final coin in the Birds of Prey Series Low maximum mintage of only 1,000,000 coins

First Fidelity Reserve is proud to first announce the release of the fourth and final coin in the popular 99.99% pure silver Royal Canadian Mint Birds of Prey Series to AMAC Members!

“I am excited to introduce the last coin in the popular Birds of Prey series – the $5 Great Horned Owl! This highly-detailed owl is a symbol of power, agility and wisdom. Order now at our introductory price and ask about quantity pricing!”

AMAC Money Columnist Mike Fuljenz Chief Numismatic Consultant - First Fidelity

America’s Gold Expert® 2015 $5 Silver Great Horned Owl Royal Canadian Mint - Birds of Prey Series

IRA Approved 99.99% Fine Silver Brilliant Uncirculated 1oz Pure Silver

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ea.

Complete the series while supplies last! Call for pricing & availability on the first 3 coins of the Birds of Prey Series: 1st - $5 Silver Peregrine Falcon 2nd - $5 Silver Bald Eagle 3rd - $5 Silver Red-Tailed Hawk

The Official Bullion & Rare Coin Partner of Prices subject to change • Availability not guaranteed • No dealers please

1.800.336.1630

Vault Verification:

Offer Expires:

FAMACGS0815 09/30/15

Check or Money Order Follow Mike Fuljenz

Beaumont, Tx

*Spot Price - the daily quoted market price of precious metals in bullion form. Spot price determined solely by First Fidelity Reserve® at time of transaction. Please read important customer disclosures on our website or that accompany products purchased, including arbitration agreement. Images are not to scale.

ORDER DELIVERY NOTIFICATION: Coins shipped after they are distributed to us from The Royal Canadian Mint’s representatives. We expect to receive them by 8/17/2015. Shipment dates from The Royal Canadian Mint are not guaranteed.