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Radiant Orchid 2014 Kayaking for Veterans An Entrepreneur’s Wife!
Golfing Guatemala boomers...living life to the fullest | FEBRUARY 2014
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CONTENTS 03
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There isn’t an app for this.
Live, learn, and work with a community overseas. Be a Volunteer.
peacecorps.gov
MASTHEAD 05
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PUBLISHER/EDITOR-IN-CHIEF Robin Roberson ADVERTISING & MARKETING TECHNICAL DIRECTOR WEBSITE DESIGN INTERNET RADIO MUSIC DIRECTOR Raul Enriquez PUBLIC RELATIONS CREATIVE CONTRIBUTORS
CONTRIBUTING WRITERS
Valerie Grimes, CCHt Jillian Jacks
I LOVE winter! Wool coats and scarves, Super Bowl and The Final Four, warm comfort food and a day to say I Love You. Crisp sunny days with trees bare but majestic in anticipation of all the new year brings. And that is what you will experience in the February issue of BoomerBuzz Magazine…a new format in this bright, bold issue that will hopefully inspire you to a healthier happier year ahead. You will notice we have streamlined departments in the magazine and have added a few new ones: News Worthy and Your Style. As boomers grow and change BoomerBuzz Magazine will grow and change with you! Cynthia Stock, a Dallas author, has given us an extraordinary view, Fifty Years Later: Honoring A President, while Nicole Purdum from Philadelphia discusses what being married to an entrepreneur means. Chris Attig, Attorney at Law, asks, “Are Survivors of Vietnam Veterans Who Served in Thailand Missing Out on VA Benefits?” and Fred Shlesinger from the Principal Financial Group explains The Retirement Axiom. Christina Castle motivates you to take simple steps to heart healthy eating and Angela S. Deppe recommends a gift of financial security. And in Senior Scene, Claire Maestri, helps you navigate through finding a good caregiver for a loved one. Anyone who has provided care can tell you it is a hard, hard job at times and caregivers need relief, but there are good ones out there. You will find sunny golf vacation spots in Guatemala, photos for inspiring incorporation of the new color trend for 2014 into your life and a fabulous mouth-watering description of chocolate in this edition. Our winter issue is definitely a kaleidoscope of topics and I hope you enjoy every page!
Happy, Happy Valentine’s Day!
FEATURE 07
Fifty Years Later: Honoring A President By Cynthia Stock In honor of the fiftieth anniversary of the assassination of President John F. Kennedy, I decided to read Stephen King’s 11/23/63. Before starting to read, I revisited memories from that time as a twelve year old with little political awareness aside from the fear that permeated my home during the Cuban Missile Crisis. The day of the assassination, everyone I asked remembered, as I did, being dismissed from either school or work. My mom taught reading at a Catholic Remedial Reading Clinic. A priest in obvious distress announced what had happened and sent everyone home. Our junior high school principal’s voice broke over the intercom. He couldn’t disguise his tears. He told of the assassination and declared school dismissed. I usually walked home from school, but that day my mom picked me up. Somehow she knew she needed to do so. I sensed, but did not comprehend, that something life altering had happened. I vaguely remember Jack Ruby shooting Lee Harvey Oswald, live, in black and white. My family huddled around the television in the basement and watched the drama, unscripted, unpretentious, as it occurred in real time. It wasn’t like television today. No blood. No guts. Maybe a puff of smoke? A wiry, little man crumpled to the ground. A swarm of men subdued the shooter. Anarchy, a word which meant nothing to me, might have seemed closer to the lives of ordinary people after that televised event. What stuck in my mind was the caisson transporting President Kennedy’s body. I watched the infamous rider-less or caparisoned horse, a tradition in ceremonies for fallen soldiers dating back to Genghis Khan. The stirrups housed boots placed backwards in them. Walter Cronkite voiced a compelling narrative. He commented that the skittish horse seemed to not want to complete his journey. I thought the horse symbolized a world that didn’t want to believe our president had died. My mom celebrates another birthday in October. It seems her wisdom grows exponentially with every year she ages. I had never asked her how Kennedy’s death affected her. She answered with succinct wisdom: “When you remember exactly where you were when something happens, it is an historical event. For me, the first time was Pearl Harbor. The second was Kennedy’s assassination.” She continued. “Even if people didn’t agree with him or vote for him, they felt optimistic because of his ideals.” My parents had supported him. My aunt, a staunch Republican, had too. Mom recalled a pall over the country comparable to the nation in mourning post 9/11. “You don’t expect an assassination in
your lifetime.” Mom knew the name of the horse that had pulled Kennedy’s coffin through the streets of the capitol. She also knew that Black Jack, a half-Morgan, was named for General John J. Pershing. My best friend, Gina, described an initial buzz in her household. Her father, a nuclear physicist, reacted because of the implications for his profession. Her mother responded as a woman and a mother with concerns for Mrs. Kennedy and her children. Gina remembered a subdued hush in her neighborhood in Pittsburgh. Children stayed inside. People displayed flags. And the world waited for what would happen next. When I bought 11/23/63, I had stopped reading Stephen King. I didn’t think he could top Salem’s Lot, The Shining, The Stand, It, or Misery. How much imagination can one man have? The mere heft of the book presented reading it as a daunting task. At over eight hundred pages, I knew this would be no two-day-nose-in-book venture. It took me several days interrupted by work, school, and daily travails to finish, and several more days for the contents to percolate in my head. Weeks later driving to the gym, the brewing epiphany hit me. King’s novel about the possibility of time travel was so brilliantly executed it became a portal for the reader. I visited web sites that discussed the extensive research Mr. King did to construct a credible portrayal of the 60’s. He created magic. The settings established themselves as characters. His attention to the details of clothing, social mores, street names, architecture, and, of course, music transported this reader in time and place. The more I read, the more I experienced the cultural immersion of a time traveler. Al Templeton shows Jake Epping/George Amberson the gateway to the past. Due to illness, Templeton realizes he can’t carry out his plan to stop the Kennedy assassination. Al provides Jake with the information and the means to complete an act that will change the course of history. Ever cautious, Jake does a trial run and facilitates the death of an abusive husband and father. He returns to his present and confronts the basic law of time travel: Changing the past results in unpredictable outcomes. When Templeton dies, Jake makes peace with it and decides to follow through with Al’s plan. There the history lesson begins. Mr. King takes us to Dallas and Ft. Worth and gives us a sense of the economics and politics of the time. He depicts Lee Harvey Oswald as a skinny, abusive man with mommy issues. His mother, Marguerite, interferes with and taunts her son. The group Jake observes could easily be labeled a terrorist cell today. As the reader becomes privy to Jake’s meticulous planning, the writing illuminates the dynamics that lead up to Kennedy’s death. History comes alive. And the reader enjoys an alternative ending. Many theories persist about the assassination of JFK. This novel shifts the focus away from the question of “who” to the “what ifs.” Had Kennedy not been killed would the United States still have amassed $500 billion in arms sales during the Viet Nam War? Would the Peace Corps have been as successful? Would the Federal Reserve have been restructured to prevent the ruling powers from manipulating the economy? Would Camelot have been a sustainable ideal? Because I live near Dallas and have worked with doctors who trained at Parkland, I feel a second-hand closeness to that day in 1963. I walk by the book depository with trepidation and walk along the grassy knoll expecting to hear shots and to see ghosts. I miss the security of thinking things like that don’t happen in my country. I long for a leader who inspires with words like: “Ask not what your country can do for you--ask what you can do for your country.” “Anybody here seen my old friend John…I just looked around and he’s gone.” Dion
Cynthia Stock is a Registered Nurse in Dallas, Tx. and a freelance writer@ www.Cynthia-Stock.com
FEATURE 09
Heroes Most Definitely‌Heroes on the Water By Jet Parker
Our freedoms come at a big sacrifice. Together, Americans can help our wounded warriors gain the freedom they fought to protect. And that is exactly what Heroes on the Water is doing. Through our nationwide community of volunteers and donors, our Nation's wounded veterans are offered healing and rehabilitating kayak fishing outings that are physically and mentally therapeutic by Heroes on the Water. Started at Brooke Army Medical Center in 2007 and now nationally headquartered in Allen, Texas, Heroes on the Water serves wounded military personnel at U.S. Army Warrior Transition Battalions, the Marine Wounded Warrior Regiment, Air Force Wounded Warrior, and Navy Safe Harbor, as well as at VA medical and rehab facilities, and medically retired
veterans in communities across the country and is totally supported by donations of funds, gear, kayaks, food, housing, transportation, guide services, and other necessities by generous individuals and corporations. America’s wounded vets in forty-three locations in twenty-four states can take advantage of the unique kayak fishing program at no cost to them or their families. This program has become liberating for those who feel their injuries have cause insurmountable limitations and creates an open interaction where they can learn new skills and focus positively on their futures. Kayak fishing is a powerful form of rehabilitation, as well as an enjoyable one with
long-term results! Military personnel need to decompress after active duty and the stresses associated with combat and most especially those with injuries who face vigorous rehab. The success of the kayak program is due in part to the fact it is not just a one-time event but a long-term activity that keeps the wounded engaged over a period of time.
fishing he gets it all at once - physical therapy from paddling and fishing, occupational therapy learning a lifetime sport/activity, and mental therapy from relaxing in nature with no distractions or expectations of performance. You can become a volunteer, start a chapter in your area or just share the news of this great program by visiting their website at www.heroesonthewater.org. It only takes a little bit of your time and effort to pay back someone who has given so much more so you do have time and energy!
Participants receive basic kayak fishing and paddling instruction, angling clinics and paddling classes with skill sets ranging from beginners to the most experienced of paddlers, while adaptive equipment is offered to accommodate the soldier’s needs. This relates in turn to how they can adapt in other ways in their lives.
One soldier, at the Center for the Intrepid, called what we do "Triple Therapy" or "all at once therapy." On post he has to go to the gym for physical therapy, then go upstairs for his occupational therapy, and then go to the psychologist for mental therapy. With kayak
Jet Parker is a freelance writer of men’s issues. He lives with his family in Plano, Texas.
Does It Really Matter? By Sonja Kabell
Free radicals like pollution, toxins, stress, smoke and poor food choices bombard us daily. Our soils are depleted of essential vitamins and minerals so our food products are lacking in what we need to function properly and fight the fight. The fight of optimal health, free of degenerative disease like cardiovascular and respiratory disease, heart attacks, cancer and diabetes. What is the solution? There is no substitute for eating a proper diet full of colorful and tasty fruit and vegetables. We also need to remove as many toxic products from our lifestyle as possible. Avoid high fat foods, processed foods and artificial sweeteners, watch our alcohol intake, stop smoking, and get more active. However, we need some insurance, something more. Supplementation is the key. What is a good supplement foundation? Start with a great multivitamin and an omega-3 at minimum to provide essential nutrients to our bodies. Most people do not eat the required 5-9 servings of fruits and vegetables and 3-5 servings a fish a week to even try to get what we need. The multivitamin will provide essential nutrients like vitamins and minerals that we do not get from our foods. The omega3 is an essential fatty acid that we get from fish. Essential means we need them for our bodies to work properly and not get sick. Are all supplements created equal? The answer is NO. Just like all products, there are high quality and cheap imitations. Don't sell your health to the lowest bidder, be aware and educated on your choice. If you are buying your products from your local grocery store or big box store, they are probably not the best. Some of the most well known and marketing products are very poor in quality due to low quality ingredients and high marketing cost.
Where do you turn? There are several publications and websites that might help you decide what is best. The most important key factors in a product to look for are C.A.P.P.S. complete, absorbable, pure, potency guaranteed and safe. One great resource is the independent publication called the NutriSearch Comparative Guide for Nutritional Supplements by Lyle MacWilliam. This guide is recognized standard for rating of nutritional supplements in the global marketplace. The resource can be purchased on Amazon.com. A great resources is www.consumerlabs.com and www.multivitaminguide.org. Also, products that are listed in the Physician Desk Reference (PDR) and the Compendium of Pharmaceuticals and Specialties (CPS) is also important. Don't settle for second best. It is important to insure your most precious asset, your health, with good products. You insure your house, card and jewelry, why not your health? If you have questions, please feel free to contact me at www.creatinghealthylifestylesusa.com. With your best interest in mind!
Sonja Kabell, Weight Loss and Wellness Consultant, Founder of Creating Healthy Lifestyles, speaks, writes and enjoys helping others live a healthy life! Like us on Facebook for daily healthy tips and hints.
HEALTHY BALANCE 13
My Experience as an Entrepreneur’s Wife By Nicole Purdum
Hello, my name is Nicole Purdum and I’m married to an entrepreneur. It’s a simple statement on the surface but if you take a minute to peel back the layers, you will find there is so much more. For the past decade my husband has devoted much of his time blazing his own trail of work not wanting to be suppressed by the demands of a job or a boss. Maybe your husband or wife is the same? The entrepreneur looks something like this: In addition to not wanting to be stuck “working for the man,” they have incredible creativity, amazing ideas, a rose colored outlook on their future, a strong drive, and most of all are a risk taker. The will sacrifice cars, the house, even the family dog if it means they have the opportunity to accomplish their dreams and goals. Insert me here. In contrast, I am wired COMPLETELY different. I love stability in the checkbook and in my family. Nothing pleases me more than seeing a positive number in the balance column after all the bills have been paid and avoiding the “so how are things going” question from family members. The reality is when you are married to an entrepreneur, there are countless times when that is not the case. So now what? What do I do when this becomes the pattern?
For me, faith is the driving force in my life. I have prayed and asked God to give me an understanding heart and (in open candor) sometimes for restraint when I have wanted to just scream “why don’t you go get a job?” I have had to learn over the years of my husband’s previous business ownerships that just as God has wired me to be the practical, realistic one; he has wired Don to be the visionary one with a strong passion and drive. When you begin to understand your differences, it is easier to be loving and supportive knowing God put you together for a reason. Don’t get me wrong, it won’t always be easy and you will just learn to press on. Another important thing God has had to teach and re-teach me is one day at a time. Sure, it would be easy to look at the late notices and bills piling up on the kitchen table and be completely consumed by them. In those moments I have to stop, take a breath, and look around. Do you have what you need for today? I ask myself. Are you family’s needs met for today? If so, you are blessed Nicole. I have learned to thank God and leave tomorrow to Him. Being married to an entrepreneur is not for the faint of heart. It can be very lonely and isolating because most friends and family members don’t understand unless they have been there.
Here is the good news, you are not alone! You and I have this in common if you are an entrepreneur’s wife and I am confident there are many more people out there just like us. I pray you will take away some encouragement to help you and your entrepreneurial spouse on this journey.
HEALTHY BALANCE 15
Exercise is Essential Even in the Winter By Clint Fuqua
The progression of the human race from hunger/gatherers’ that chased their food and worked 24/7 to stay alive to the chair sitting/button pushers that call for food delivery and work 40+hrs for a pay check to stay on a couch watching TV may just be the death of us all. We have been spoiled by our own ingenuity to the point that we have forgotten what we are and how we are made to function. We have bought into our own lies that we can just eat what we want, lounge all day, and take a pill to keep us healthy. We have been sold a lie that exercise and healthy foods/supplements could be dangerous and harm us. We have lost touch with the very things that kept us alive and will allow us to live.
Exercise otherwise known as movement or vigorous activity or the thing our body is made to do is essential to not only our health, but to our very existence. Just by getting out and walking every day you increase the flow of energy, blood, lymph, and other vital nutrients in your body. Without basic movement your body will wither away and take your health with it.
Of course the problem today with the over abundance of nutrient dead food is that we are stuffing ourselves to death in search of the nutrients we need to survive and yet are to lazy and spoiled to go out and get. We need to all get back to chasing and gathering our food again so we will again learn to respect the need for quality and learn to love the way we move and how we feel after a good hunt and healthy feast. Start living the truth that you are what you eat and that you must be in top physical shape if you wish to live a healthy life and expect to have the best in life. Now that the cold frozen chill of winter has begun to fall on us like the very snowflakes you used to play in as a kid it is time to rekindle that same spirit. Playing in the snow and ice however is a great way to fall and break something so let’s focus on staying toasty warm in the house and still get some exercise to work off all of that hot coco. Bands, tubing and body weight exercises along with walking/jogging in place are all a great place to start and a focused 30 minutes every day can be a very good workout. The gaming systems like Playstation, Xbox, and Wii all have some excellent exercise games and motion activated games to keep your activity more playful rather than work. The point is to find something that makes you want to move and provides some challenge so you will continue moving well.
Clint Fuqua is a speaker, writer and personal trainer in Dallas, Texas whose goal is to help everyone learn why it is their responsibility to live a healthier lifestyle for the benefit of their future, family and society as a whole. www.clintfuqua.com
Alcohol and Aging: Not a Great Happy Hour Mixer By Valerie Grimes, CCHt
Aging and retirement is an important transition in life but without support it can be difficult and many retirees turn to alcohol to cope. A 2008 survey by the National Institute of Alcohol Abuse and Alcoholism found that 40% of men and women over 65 drank alcohol on a regular basis. This growing segment of the population may have the tendency to use alcohol to deal with boredom or low self-worth associated with retirement. Also health worries or the death of friends or family contribute to reasons some older people start drinking, or increase the amount of alcohol per day. They may be feeling tense or depressed which can be a trigger for drinking. However that is only creating a false sense of comfort and in addition alcohol has other adverse side effects as we age*:
individuals who have become bored, lonely, or feeling a lack of purpose. The programs restore creativity, confidence, mend relationships, eliminate worries, manage stress and to teach how to stop bad habits like drinking alcohol. Dallas hypnotist Valerie Grimes explains, “What I do is assist men and women ages 60- 70 and beyond in creating healthier, more purposeful and satisfying lives, so they naturally just don’t want to drink alcohol.” *http://pubs.niaaa.nih.gov/publications/olderAdults/older Adults.htm#toc02
About Hypnosis Hypnosis is a form of cooperative therapy that targets specific problems and attitudes. Hypnosis is based on the idea that each client is willing to work toward a goal with a qualified specialist, and break out of bad patterns. If certain behaviors are threatening personal relationships, physical and emotional health, or success at work, it could be helpful to examine the root of these problems in a controlled environment. Hypnosis provides clarity to clients who may not understand their inability to change or improve chronic situations in their lives.
Older patients are more sensitive to alcohol. Drinking alcohol can make some health problems worse. Medicines and alcohol don’t mix.
Studies show we are all living longer. So retirement age can be a time for important transitions. Hypnosis programs offer options to
Valerie Grimes, CCHt www.GetOffTheBooze.com
NEWS WORTHY 17
Are Survivors of Vietnam Veterans Who Served in Thailand Missing Out on VA Benefits? By Chris Attig
In 2009-2010 the VA issued new guidance on the handling of Veterans’ disability compensation claims that included allegations of exposure to Agent Orange in Thailand. The guidance is complicated, but the general gist is that some Veterans that served in Thailand during the Vietnam War are going to be presumed exposed to Agent Orange. What does this have to do with survivor benefits? If your spouse died because of a condition that resulted from exposure to Agent Orange while he or she served in Thailand during the Vietnam War, then it is likely that the VA denied your claim for DIC and Accrued Benefits on the grounds that there was no evidence that your Veteran spouse was exposed to Agent Orange in Thailand. In fact, just last week, I read a VA Ratings Decision from 2012 that said exactly this: shockingly, the VA tried to pretend that the new Thailand-Agent Orange guidance never came out. What to do then, if you are a surviving spouse in the following situation: 1) Your spouse served in Thailand during the Vietnam War,
2) Your Spouse died of a condition that is presumptively connected to Agent Orange Exposure, and 3) The VA has previously denied your DIC or Accrued Benefits claim? If you are in that situation, follow these 2 steps: Step 1: File a request to reopen your claim at the VA Regional Office, based on new and material evidence about the Veteran’s exposure to Agent Orange in Thailand. Step 2: Start calling attorneys, or contact the Attig Law Firm for a free case review. The VA may grant your reopened claim, but they typically do not. You will want to start now to identify a lawyer that can help you if your claim is denied by the VA or, if they do grant the claim that they assigned the proper Effective Date. Does this mean you will win your claim if you reopen it? No. There are certain things that need to be shown to get presumptive service-connection for a These cases can dramatically change the financial situation of a surviving spouse of a Vietnam Era Veteran that served in Thailand and died of a disease or condition presumptively caused by Agent Orange.
Don’t wait – ask the VA to reopen your claim today. Chris Attig is a Dallas attorney specializing in Veteran and Federal Employee Disability Benefits. He enjoys being in the courtroom, speaking and freelance writing, as well as baseball and family time. www.attiglawfirm.com
NEWS WORTHY 19
THE RETIREMENT AXIOM BY FRED SHLESINGER
As of 2008, our Baby Boomer generation began to take Social Security and Medicare benefits as the 80,000,000 of us Boomers begin to retire.
The point is that many/most of us have a great deal of our retirement funds in Qualified plans (401K, IRA, SEP, 403b, 457, etc.)
It is estimated that over 15,000 Boomers are retiring a day! That’s right, A DAY!
The question that we should be asking ourselves is, “what will my tax rate be at point of distribution of my Qualified plan”?
I find this statistic staggering, as you should. As of now, the American government owes us as a generation over $21 Trillion in Social Security and Medicare benefits which will be paid out over the next 30 plus years, not to mention the next generation behind that is also 80 Million strong as well.
Where is our government going to get the $12 trillion plus to pay us the benefits that we so richly deserve?
What if I want to retire in 5 years, and that year the tax rate is 48%? The truth is no one really knows what their tax rate will be at the point they want to take withdrawals. But the old adage of “my tax rate will be much lower in retirement”, or, “my monthly expenses will be lower in retirement”, may just not be true. The proof is, “what day do you think you spend the most amount of money on in your [resent 7 day week”? The answer is…SATURDAY!
One concept is raising taxes. As many of you know the 2012 personal income tax rate for the highest bracket WAS 35%. In 2013 it is 39.6%, not to mention the new Obama health tax. What if we are headed in the direction of income tax rate under Jimmy Carter, back in 1980, which was a whopping 71%!
Why? Simply put, because you are not working. When you retired, every day for the rest of your life is SATURDAY.
Everything you do in retirement cost money‌ That is why many Boomers are looking into a tax diversified plan which will grow their money 3 ways, taxed, tax deferred, and tax free.
Whereby if you had significant growth in a NonQualified plan, it would help offset the taxes that you will pay to take distributions on your Qualified plan.
TDP is a contemporary way of looking at our 4th quarter our life, and a way to be sure that our money outlives us. Proper tax diversified planning will help you in your twilight years, long after you lose the ability to generate new, fresh income. You want to be sure that you have several reliable income streams such as Social Security, 401K, Pension. The problem is most income streams are tax inevitable, and therein lies the X factor of your tax rate. BTW, did you know that the Social Security that you have been paying into the system for the past 35 years or mores is double taxed?
There is so much more to talk about when planning for your retirement life. Make sure that you are proactively asking your advisor these and so many more questions. You do not want to get caught on the short side of the RETIREMENT AXIOM‌
Fred E. Shlesinger is a Senior Financial Registered Representative of Principal Financial Group, 5080 Spectrum Dr. # 700 EAST Addison, TX 75001
You pay taxes going in, and taxes coming out!!!
NEWS WORTHY 21
Preplanning for
P
eace of Mind
by Russell Firth
Preplanning your final arrangements is not only wise and economical, it is one of the most unselfish things you can do for your loved ones.
Preplanning just makes sense.
In life, we all plan for many things – vacations, retirement, our children’s education. We do this because we want to be prepared and take care of our family’s future. Making funeral, cremation and cemetery plans in advance is no different. From paperwork to personal choices, there are hundreds of tasks that must be completed when a loved one dies. Permanent decisions would need to be made in a very short period of time. Many of these decisions can be made now, before the time of need. Doesn’t it make sense to plan your arrangements ahead of time so your family won’t have to?
Spares your loved ones from guessing what you would have wanted. Removes a tremendous emotional burden from your family. Can save you money when you choose to prefund tomorrow’s arrangements at today’s prices. Provides peace of mind in knowing you’ve taken care of this important responsibility. The plans you make today are very important and will be forever appreciated by the loved ones you leave behind.
Preplanning allows families and individuals to make their wishes known and plan for tomorrow’s needs at today’s prices. Most importantly, you’ll have peace of mind in knowing that your loved ones will not have to make many difficult decisions during a stressful time
Did you know? Planning in advance is one of the greatest gifts you can give. We all realize that the best decisions are those that are made calmly, rationally and with ample information at hand. Taking the time now to make your final arrangements, before the time of need, can be a great relief to both you and your family. Preplanning today:
Allows you to make arrangements at your own pace, in the comfort of your home. Ensures that your wishes are known.
Russell Firth, Manager Community Service, Restland Funeral Home and Memorial Park, rfirth@stei.com, RestlandFuneralHome.com
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YOUR STYLE 24
Do You Like It?
Radiant Orchid 2014
YOUR STYLE 25
I Love You
One of the Sweetest Pleasures of Mankind‌Chocolate. By Jillian Jacks
Life’s little moments are often the ones that create the fondest memories. When the moment passes, the memory will live on in the hearts and minds of those who experienced it. As chocolate lovers, we each have a favorite selection. Undoubtedly, our desire for the ultimate gourmet cacao bean creations is the result of smelling the luscious aroma of freshly made chocolates from a gourmet chocolate shop or your Mom baking chocolate chip cookies or a cake. Or you see the beautifully wrapped box of delicious looking sweets. All send a rush of sensations
to our brain and ultimately our taste buds. It’s an almost universal result of seeing or smelling. The question becomes, are gourmet chocolates really worth the extra expense? Without a doubt, gourmet chocolate quality is far superior and different from typical grocery or pharmacy options. It begins with the caliber of the ingredients in these wonderful edible treats. From harvesting the cocoa to making of the fine chocolates themselves, each phase of making gourmet chocolates is completed with care and with great precision. Gourmet chocolate is made with greater amounts of real chocolate and you will truly note the rich, smooth flavor and exquisite taste. Rather than having each bite after bite be stale, sugar laden with only a hint of decadent real chocolate, you are able to really understand and appreciate the specialty versions. Gourmet chocolatiers are creating incredible combinations of flavors and chocolate choices that leave store brand chocolates in the dust. Staid choices like chocolate covered peanuts are being supplanted by chocolate and macadamia nuts. What about gourmet chocolate cherries saturated in liquor? There are even savory gourmet chocolates these days. You can have chocolate all day with such awesome choices! Peppermint topped, dark covered heath, crystallized sugar bites in rich chocolate. Creams, Nuts, Milk, White or Dark Chocolates. Who says that looks don’t matter? There is nothing that states someone is special like a beautifully boxed gift of chocolates. They make fabulous Valentine’s Day gifts, an anniversary surprise or just a “you are special to me” statement. The love of gourmet chocolates is shown in the rising number of chocolatiers. All over the country you can now find delicious and tasty gourmet chocolates and chocolate companies. Besides opening new businesses, many now offer their delights through online stores making it simple to purchase and enjoy. While a fast pick up of chocolates from a store is easy and great, but select gourmet chocolates the next time you need something extra special. Revel in their smooth, creamy texture; the scrumptious options and incredible selections will forever have you hooked! Jillian Jacks writes on a variety of topics with emphasis on food and entertaining. She lives in Florida where she enjoys yearround entertaining with her family and friends.
BOOM VOYAGE 27
Decisions, Decisions: Cruise Ship or Charter Yacht? By Peggy Schilling If you think all ocean vacations offer the same experiences, consider this basic distinction. A cruise ship package is preplanned for mass appeal while a charter yacht is customized for a select party of guests. Suppose two couples set out for similar vacations at sea with one main difference. The Shipley’s went for the traditional public cruise on an enormous ship with over 2,000 other passengers while the Carters opted for chartering a private yacht with three other couples who’ve been close friends for years. Read on to discover how their cruise experiences compared.
Early on, the Shipleys realized that the term cruise line refers to how much time you send standing in line. Whether boarding or disembarking, ordering or receiving food and drinks, selecting from buffets or activities, a wait was usually involved. The cruise line gave the Shipleys assigned mealtimes and seats. Among strangers with whom they had little in common, they consumed mass-produced food. They also had to rise earlier than they wanted to grab deck chairs or they’d all be taken. Meanwhile the Carters had the run of their yacht, hopping on and off quickly and mingling within their own small gathering of friends as they pleased. They ate and drank
when, where and whatever they wanted. Their personal chef created stunning culinary masterpieces to satisfy their unique preferences and dietary needs. Meals were served according to their requested schedules. Yet any other time the Carters wanted snacks and drinks, they were ready at a moment’s notice. And whenever they wanted to lounge on deck, plenty of comfortable cushioned seating was waiting. Cruise packages stick to a structured itinerary of pre-planned major destinations and activities. So the Shipleys had to go on arranged tours as part of the ships’ invasion when it docked at scheduled stops. Imagine 1,500 passengers descending onto St. Thomas at once only to overwhelm shops, restaurants and beaches plus frustrate everyone involved! But as the Carters’ party of eight got off in the tiny St. Bart’s, they were able to enjoy each attraction at their own pace. Small islands assured coastlines would be shared only with other yachters because large cruise liners can’t dock in shallow waters. The Carters enjoyed the freedom of picking their own ports and following their own schedule, making spur-of-the-moment stops at points that caught their eyes and lingering as long as they pleased. The Shipleys were just another couple of unknown faces vying for the attention of numerous busy personnel on a noisy, crowded ship. But on the Carters’ yacht, the crew quickly became well acquainted with
the guests and relaxed into an easy firstname routine. Like a small hand-picked private staff, the Carter’s gracious crew was devoted to anticipating their every need and serving them promptly. Unfortunately the Shipleys seemed lost in the shuffle, handled like passengers by strangers. Yet the Carters felt welcome in their close-knit group fawned over like special guests by charming hosts. Now would you rather travel like the Shipleys on a huge packed cruise ship waiting for service or in the style of the Carters enjoying being among friends on a cozy charter yacht while waited on like royalty? So…you’re probably asking yourself, “How does the cost of a crewed charter yacht compare with a traditional cruise? That’s what many vacationers think is the determining factor when trying to choose between the two. Cruise ship base costs average $1,500 $4,000 per person per week on a luxury liner (Radisson, Seaborn, Cunard, etc.). This depends on time of year, type of stateroom, location, etc. and may or may not include discounted airfare to meet the ship. It generally does NOT include telephone calls, faxes, excursions (diving, snorkeling, guided tours, etc.), alcoholic beverages and tipping. A typical charter yacht costs about $1,500 $3,000 per person per week when three or four couples are traveling together. This is based on a 50 to 85-foot sailboat or catamaran. Vacationing on a power yacht
can run double that or more. In all charter instances, airfare to meet the yacht is extra. Most sail and catamaran charters are sold as “all-inclusive.” This means that the only extra charges you will incur are for telephone/faxes and tipping. Food, alcohol (wet bar), water sports and shore excursions are all included in your base charter fee.
So the bottom line is that price shouldn’t be the limiting factor in making your cruise versus charter decision. If you’re more comfortable in a structured environment, meeting and interacting with mostly new people in a hotel-like setting—then any luxury cruise liners would be a great vacation for you. On the other hand, if you prefer setting your own schedule and really being able to enjoy the company of friends and family on a beautiful private yacht with personalized service—then a crewed charter yacht is the perfect choice for your vacation of a lifetime.
Peggy Schilling is a charter specialist who enjoys sharing her extensive knowledge of the charter industry to help you discover and experience the wonderful advantages of taking a charter yacht vacation.www.selectcharters.com
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Guatemala Land of Eternal Spring By Micki Sander
Imagine stepping onto a tee box in the morning, when mist is clinging to the trees and the foliage surrounding the fairway glistens with silver highlights. You take aim at the live volcano looming in the distance. Just then, a primal scream sounds from the nearby tropical forest. It could be a howler monkey, or a colorful toucan—yet, you can see the city skyline just a few miles away. This is Guatemala.
The Guatemalan climate calls out to golfers year round, ranging from an average of 60 to 90 degrees, which is why it’s often called the “Land of Eternal Spring.” Even during the summer rainy season, you can tee off in the morning and finish before the rains arrive in the afternoon. Playing the five magical courses in Guatemala is an experience that fills your senses with color and adventure. The courses are all within a short drive of Guatemala City, and all are USGA Certified with handicaps and indexing.
Guatemala is a montage of European traditions and ancient civilizations. Guatemala City, the largest urban area in Central America, sprawls across mountain ranges and valleys, encompassing a quixotic mix of highrise office buildings and old world markets. In addition to the golf, you’ll also find stunning Mayan ruins at Tikal, the well-preserved colonial city of Antigua, a vibrant indigenous culture, active volcanoes, highland lakes and
abundant wildlife. All are part of the mystique of Guatemala, where nature has choreographed a landscape that dances with exotic shapes and colors. Step back in time at Guatemala Country Club
Guatemalans have been playing golf since 1928, when the Guatemala Country Club became the first course to be built in the city. You’ll feel as if you’ve gone back in time as you wander the halls of the clubhouse. The course is very traditional, similar to courses in the northeastern U.S. It is member-oriented, but opens play to visiting golfers in the mornings Monday through Friday. Most Guatemalan golfers play in the afternoon, so getting early tee times is rarely a problem. Walking the course with a caddy is the only way to go, since the carts all belong to the members. The 16th hole is extremely long for a par 3, at 207 yards from the forward tees. From the back tees, golfers must carry a ravine, but the forward tees play from the other side of the hazard. The number 18 finishing hole requires good course management; stay in the fairway or be
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prepared to play a tricky shot out of the trees. The course is a varitable parkland, well-marked with many wonderful trees that line the narrow fairways. Bring the Kids to Hacienda Nueva
The Hacienda Nueva Country Club also has a gracious clubhouse with a traditional atmosphere that dates back 36 years in time. The club was originally a farm, and a magnificent, 200 year old tree guards the entrance. Just 30 minutes from the main area of Guatemala City, Hacienda Nueva caters to families, and has two restaurants serving a variety of wonderful food. There are also two tennis courts, squash courts, an outdoor pool, fitness center and massage area. Children can play golf at any age here, the club has a golf pro on staff who helps get them started. Of the club’s 800 active members, only 25 are women, they come out to play one day a week. The pro shop is definitely geared to men, with no options for women’s attire.
The 19th Hole is reserved for golfers only, and features an awards area and sports bar. From the red tees, the course measures 5,949 yards and is quite a challenge. The second hole is the number one handicap hole, and plays 519 yards from the forward tees. Number 12 is the signature hole—a river crosses the fairway twice, and the wind blows both north and south. It is a very deceiving course that lures you into a false sense of security, but beware of the air currents and the trees. The Los Americas Cup, a tournament comparable to our Nationwide tour, has been held at Hacienda Nueva for many years. Players are mostly from Latin America, although some are from other areas and at least one is from Alabama. Many of the Los Americas Cup top players will be invited to join the European Tour the following year. Women are welcome at Alta Vista
Entering the Alta Vista Golf & Tennis Club is like entering a botanical garden – the club is surrounded by iron gates
and flowers bloom everywhere. The mountains will definitely come into play on this course, you can see their imposing terrain from the club’s entrance. The clubhouse looks like it was built in England, with a very staid, colonial demeanor, yet the staff and the atmosphere is extremely friendly. Alta Vista has a substantial women’s membership and the locker notices show how active their women members are in the club. The pro shop includes a variety of women’s attire and equipment. The lobby area could be a private home, with
and juniors can play the course during certain hours supervised by a golf pro that is available to them during their tee times. The Alta Vista Course is a par 71 measuring 5,216 yards from the forward tees. Both carts and caddies are available, and it’s a good idea to take both. The course starts off with the number one handicap hole--a 173 yard par 3 with an immense green. The rest of the course features rolling, tree-lined fairways, so bring your A game and be prepared to play target golf. Antigua’s colonial charm
sitting areas featuring incredible vistas of the nearby mountains. Guests can choose from five impressive restaurants, while the St. Andrews bar is reminiscent of European clubs, with television and a pool table. Imbibing is encouraged with a buy two, get one free special. Take time for a massage or sauna, or if the weather is inclement, work out at the club’s fully equipped fitness center or take a turn on the squash courts which is right next to another bar area. Children under 16 are welcome at the club. There is a special pool reserved for children,
Take a break from golf and spend 45 minutes driving to the ancient city of La Antigua, a UNESCO World Heritage Site. Visit the Casa Santo Domingo Hotel, a former convent that has integrated modern comforts into one of the most important colonial archaeological monuments in Latin America. The hotel sits at the foot of the Agua volcano in the midst of the Panchoy Valley, covered by stone
with a shopping area where artisans practice their craft. You can watch candles being made, purchase weavings from individual artists, and peruse works of art by native sculptors and painters. Stay at least one night at either the Santo Domingo Hotel or the Porta Hotel, a host to visitors of La Antigua for over 50 years. The facility includes all the services of a modern hotel and is surrounded by living history, tradition and romance. The indoor/outdoor restaurant is a jewel, with gardens and birds chirping everywhere. The food is delicious, and its variety will please even the most demanding gourmand. Take time to stroll the cobbled streets, lined with restaurants, craft shops and art galleries, and visit the ruined palaces and peaceful squares. On your trip back to Guatemala City, stop and visit one of the many coffee plantations, where the aromas will tempt you to become a coffee drinker even if you have never touched a drop.
All coffee production is done under the shade of trees imported from Australia. The trees help to control the production of coffee beans by capturing the carbon dioxide and providing oxygen to the plants. The beans are picked by hand and most of the plantations have been in their owners’ families for many years. Stay and play at the Mayan Golf Club
The Mayan Golf Club is 30 minutes outside of Guatemala City, and is the only golf course in Guatemala that has a lodge on the property. The club was founded 60 years ago in a different location, and was rebuilt at the present location 45 years ago. There are only 12 rooms available, and the modern facility is very different in feel from the clubhouses in other areas of the city. This is a country club, however, visitors are welcome to play and stay for a wonderful lunch. Both caddies and carts are available at the course. Outside the clubhouse are large palapas for snacking and drinks. There are also two tennis courts, a main pool and a children’s pool, where the water is changed every day. The championship golf course has also played host to the Los Americas Cup. The course is 5,888 yards for
women and 7029 for men, and nearly every hole provides stunning views of the lake and of the active volcano. The first hole is a par 4 dogleg to the right, and the number 3 handicap hole for women. The fairways and greens are both in exceptional shape. The view from the number 10 hole is high over the lake, and you can see the activity of the volcano. Club Campestre San Isidro Club Campestre San Isidro is another private club which opens its doors to visitors with open arms. The 9 year old course has matured extremely well, and the course is very well marked for first time visitors. PGA classes are held at the course in March of every year that focus on promoting golf throughout the region. The club boasts an underground parking facility, three swimming pools, including a lap pool, tennis courts and several wonderful restaurants.
Bring your sense of adventure to Guatemala Located in Central America, just below Mexico, The Republic of Guatemala is easily reached from Texas by plane and serviced by all the major airlines, as well as Guatemala’s national
airline, Grupo Taca. The country shares borders with El Salvador and Honduras to the east, and Mexico to the north and west. Belize is to the northeast, and the Pacific Ocean is to the south. The country’s beauty lies in its people and cultural traditions that have been passed down through the centuries. Here you can wander through thousand-year old Mayan in Tikal; or shop the streets of colonial cities like Antigua. For the more adventurous, there is water rafting in rivers like Caabon River, or volcano climbing in volcanoes such as Pacaya (usually active) or Agua. The dry season, from November through May, is the most pleasant time, weatherwise, to be in Guatemala. Along with summer holidays, however, this is also the busiest time. Although the rain may restrict some activities during the wet season, it’s still worthwhile planning your trip for this time of year, particularly as you’ll be more likely to pick up accommodation bargains. Whenever you visit, be sure to book your trip with a knowledgeable tour guide, and avoid renting a car. There are many warnings about the volatile nature of Guatemala, but the only lawlessness we encountered was behind the wheel.
Micki Sander, Author is co-owner of TheGolfSpot.com, an online travel company specializing in golf vacations. For more information on Guatemala and other golf destinations, visit www.thegolfspot.com.
If you're thinking of taking a yacht vacation, no need to look any further than SELECT CHARTERS! – Carlene Robinson Dailey
www.SelectCharters.com Peggy@SelectCharters.com 4020 N. MacArthur Boulevard Suite 122-183 • Irving, TX 75038 (972) 659-8941
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Exceptional Personal Senior Care plus… Maintenance of Social Calendar Electronic Correspondence Exquisite Light Meal Preparation Family/Senior Coaching Home Revitalization Security to Reduce Vulnerability MBF’s Signature Sweet Treats
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Mom’s Best Friend/MBF Agency of Dallas/Ft. Worth 2125 N. Josey Lane, Suite 100 Dallas, Texas 75006 (972) 466-0500 Licensed by the Texas Department of Aging and Disability Services
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Valentine’s Day Gift of Financial Security Social Security Survivor Benefit By Angela S. Deppe
It’s that time of year again…time to buy a Valentine’s Day gift for our loved ones! Some of us wait to buy gifts at the last minute and others of us plan for months in advance. Some ask their loved ones for gift ideas and others simply make the decision on their own. There is one gift, however, that we must plan for months or even years in advance, and we must make this decision jointly with our spouses: This gift is the gift of the Social Security Survivor Benefit. This is the gift of financial security.
Survivor Benefits are benefits a widow/er may receive based on his/her deceased spouse’s earnings record, even if the widow/er is not eligible for his/her own Social Security benefit based on a lack of work history. If you are currently married or have been married in the past, you may be entitled to collect Social Security monthly benefits based on your deceased spouse’s or deceased ex-spouse’s work history. Congress added this Survivor Benefit to the Social Security program back in 1939 to protect retiree’s spouses, ex-spouses and widows/ers. Many Americans don’t realize they may be eligible for this type of benefit and as a result are leaving thousands of dollars on the table. And unlike most pension plans,
Survivor Benefits do not affect or reduce the monthly Social Security benefit of the higher earning spouse or ex-spouse. However, without proper ‘joint’ retirement income planning before claiming the monthly benefit, one spouse’s Social Security decision can have a major impact on the other spouse’s monthly payout. Survivor Benefits can change depending when the higher earning spouse collected his/her benefit. A Survivor Benefit is simply the monthly income that the higher earning spouse is able to pass down to the lower earning surviving spouse (widow or widower). Surviving spouses can either collect their own earned benefit OR their Survivor Benefit from their deceased spouse, but they cannot collect both at the same time. If eligible, the surviving spouse can take one benefit and then switch to another benefit. Surviving spouses do not have to be eligible for their own individual Social Security benefits in order to qualify for a monthly Survivor Benefit. In order to receive a Survivor Benefit, the surviving spouse must have been legally married to the deceased spouse for at least 9 months before the death occurred. This requirement may be waived if the death was due to military service or an accident OR if the surviving spouse is the parent of the deceased spouse’s child and the child is under age 16. If the surviving spouse remarries prior to age 60, he or she may lose eligibility for Survivor Benefits, unless the remarriage ends. If the surviving spouse remarries after age 60, then eligibility for survivor benefits continue. In order to receive a Survivor Benefit from a deceased ex-spouse, the surviving ex-spouse
must have been married for at least 10 years to the deceased ex-spouse and meet the other conditions listed above for a Survivor Benefit for a spouse. Surviving spouses may receive up to 100% of the deceased spouse’s monthly benefit if that amount is greater than the surviving spouse’s own earned monthly Social Security benefit. It is important to note that even though the surviving spouse may receive up to 100% of the deceased spouse’s monthly benefit, the benefit may still be permanently reduced if the deceased spouse collected his/her monthly Social Security benefit before Full Retirement Age (FRA). In addition, Survivor Benefits may be permanently increased with Delayed Retirement Credits (DRCs) depending on when the deceased spouse started collecting benefits. For married couples, the decision to take Social Security benefits should be a joint decision because it can permanently affect each other’s monthly income and cost thousands of dollars in lost benefits. When we look at whose Social Security benefit women are currently collecting, over two-thirds are collecting all or a portion of their husband’s benefit. This further validates the need for more joint planning when making individual Social Security decisions for married couples. So now that you have a better understanding of survivor benefits, here’s a quick point to think about when it comes to maximizing your total benefits for a married couple. Let’s say you have a husband and wife both age 62. The husband plans to take the benefit as soon as possible at age 62 because he feels it’s his money and he’s entitled to it. He has paid into the system for 40 some years, and he wants it paid back before he dies or before the system goes broke (his misguided opinion). He wants to start the process as soon as possible. The problem with this mindset is that this decision does not factor in his wife. Collecting his benefits before his Full
Retirement Age (FRA) will reduce his individual benefit by as much as 25% and reduce the Survivor Benefit as well. In other words, the Survivor Benefit is locked in to the amount when the husband, in this example, takes the money. For married couples, the decision to take Social Security benefits should be a joint decision as it can affect each other. The wife has a greater probability of outliving the husband according to the Society of Actuaries RP-2000 Mortality Tables, and she’s automatically locked in to a lower amount because the husband took his individual benefit early at age 62. This creates a shortfall of income in terms of what the Survivor Benefit could have been had it been planned for from the start. It is important to look at maximizing the income and benefit for the person that should live the longest and in this case, it’s the wife. The takeaway from this is that most couples look at the decision to take Social Security from a break-even individual perspective. The decision to collect monthly Social Security benefits needs to be a joint life decision, not a single life decision. For more information and examples of the Survivor Benefit, please refer to the strategy section of It’s Your Money!: Simple Strategies to Maximize Your Social Security Income, or visit www.socialsecuritycentral.com and use the Benefit Maximization Calculator. As the saying goes: It’s not the gift that counts, but the thought that matters. This Valentine’s Day, please give the gift of financial security by putting some ‘thought’ into when you plan to take your individual Social Security benefit as it may permanently affect your spouse’s Survivor Benefit. Angela S. Deppe is a CPA, founder of SocialSecurityCentral.com and its Benefit Maximization Calculator, and co-author of It's Your Money! Simply Strategies To Maximize Your Social Security Benefits.. She is a contributing writer to Boomers Buzz Magazine and has been featured in USNews, MarketWatch and Alaskan Airlines Magazine.
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Better Heart Health Easily By Christina Castle Cardiovascular disease is the leading cause of death in the United States; one in every three deaths is from heart disease and stroke, equal to 2,200 deaths per day. These conditions are also leading causes of disability preventing people from working and enjoying family activities. Unfortunately, baby boomers are the largest segment of those at risk so doing all you can to be healthier and prevent yourself from having to face the consequences is critically important. You are at higher risk of heart disease if you are a woman age 55 or older, a man age 45 or older or a person with a family history of early heart disease. February, American Heart Month, is dedicated to raising awareness about heart disease and increasing knowledge about prevention. By educating yourself on the dangers of heart disease you can make simple changes to get on track to better heart health. Steps for Heart Health: • Watch your weight. • Quit smoking and stay away from secondhand smoke. • Control your cholesterol and blood pressure. • If you drink alcohol, drink only in moderation. • Get active and eat healthy.
• Talk to your doctor about taking aspirin every day if you are a man over the age of 45 or a woman over 55. • Manage stress. Cholesterol is a kind of fat in your blood that is naturally formed in your body. It is normal, and essential to certain cell functions. There are three types of fat in your blood; each is unique and affects your body in a different way. And because they are different, each has a different ideal level. High cholesterol itself isn't painful; in fact, you can't feel it at all. Even if you have a serious cholesterol problem, you may feel perfectly healthy. Working with your doctor by taking a simple blood test can help you determine if you have high cholesterol. And if so, the first steps in managing it should be to make changes in your diet and exercise habits. LDL cholesterol (“bad”) is the major cholesterol carrier in your blood. But when too much LDL cholesterol circulates, it can slowly build up in the walls of the arteries. This buildup, called plaque, can slow blood flow to your heart, brain, and other organs. HDL cholesterol (“good”) is another type of lipid (fat) found in the blood. Unlike bad cholesterol, having higher levels of HDL cholesterol is desirable. Triglycerides are the third type of fat in the blood. They're made in the liver and also come from foods that you eat. A high triglyceride level combined with low HDL or high LDL is associated with the buildup of fat in the blood. That's one reason why you want your trigs to be lower. Eating healthier means making a commitment to eating fresh, whole foods. Making a change in your diet and exercise habits is a big commitment. Take note of each day’s progress, feel good about how you feel and proud you are changing to a healthier lifestyle. Lower Cholesterol Naturally with the following foods: Oranges Besides being a great source of vitamin C, oranges contain phytosterols (plant sterols),
a type of fat found in nuts, seeds, fruits, and vegetables which block cholesterol from being absorbed by the cells in the intestines, thus lowering cholesterol. Eating oranges with breakfast, as a snack or dessert is a wonderful way to aide in lowering cholesterol.
Flaxseed Flaxseed contains two substances--soluable fiber and lignon--that block the production of LDL or "bad" cholesterol. These substances also increase the body's ability to get rid of cholesterol. A great way to include flaxseed to your diet is by adding ground flaxseed to smoothies or oatmeal.
Beans Beans contain a type of fiber that is consumed by good bacteria in the colon which then form fatty acids that move to the liver where they block the production of "bad" (LDL) cholesterol. Enjoy beans as a side dish to any meal, as or in a soup.
Garlic Garlic is a food with many health benefits, one of which is cholesterol management. It has been found to interfere with the liver's ability to make cholesterol and found to help the cardiovascular system. There is also some evidence that it can even act as an antifungal and an antibiotic. Try it raw, roasted and added to foods or crushed and served on bread as a paste.
Soy Soy protein has been found to boost the effectiveness and amount of LDL receptors in the liver, thus its ability to rid the blood of cholesterol. It’s secret? Phytoestrogens, a group of naturally occurring non-steroidal plant compounds. Try using soy milk on your cereal, eating soy nuts instead of regular nuts, or ordering soy instead of creamer or milk at your favorite coffee shop.
Apples Apples are full of powerful antioxidants that help prevent the buildup of plaque in the arteries. But to get the most cholesterol benefits from an apple, don't peel it. The highest concentrations of beneficial polyphenols are found in the skin and outer flesh. There’s nothing better than biting into a fresh juicy apple and there are so many varieties to choose from: Red Delicious, Granny Smith, Fuji, Jonathan, McIntosh to name a few.
Almonds Almonds are rich in flavonoids and vitamin E that fight cholesterol:. These antioxidants stop bad cholesterol from oxidizing in the body, which helps reduce the buildup of plaque in the arteries. To get the most benefit, stick to raw (not roasted) almonds that are either unsalted or salted with sea salt. Slivered raw almonds on a salad are a good way to include these nuts in your diet. Cauliflower Cauliflower, like oranges, is one of the many foods that is rich in plant sterols which will help keep cholesterol numbers down by blocking their absorption in the intestines. Roast, steam or bake cauliflower as a side dish or enjoy it as a raw vegetable.
Christina Castle is a freelance writer who lives in Dallas, TX.
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Yes, There Are Good Senior Care Caregivers Out There! By Claire Maestri Last week I received a call from a family who utilizes two of our in home senior care caregivers for live in services. As we all know, finding a good live in candidate can be next to impossible. However, we were able to find two amazing ladies for them. Well, the phone call led to our client’s daughter sharing with me how much she appreciates one caregiver in particular. When I receive these calls, I always like to find out the particular behaviors that please the client. The daughter proceeded with the following list of appreciated attributes: “She is the most willing human being. She is so dear. She is on top of everything and knows exactly what is going on. She is aware of anything that is different. She relays everything to us, the Home Health Nurse and Physical Therapist. She knows how to keep him (the client) safe by removing his walker and wheelchair from the room so that he is not tempted to use them alone. She always goes the extra mile. She prepares enough food for my Dad to have his girlfriend over every night. This is not her job, but she knows that eating with his girlfriend makes him happy, and she will do anything to make him happy. She always encourages him and whenever we ask her to do something, she responds, ‘Absolutely, that’s my job’.” After the call ended, I spoke to the caregiver, wanting her to know how much her client’s family appreciates her. She told me that she loves to cook and she stays happy in her jobs by sharing what she loves with her clients. This is evident by the fellowship she builds with her clients and those who surround them. I tell this story to encourage those who are caring for an aging parent or who are looking for in home senior care. Elder care is a difficult arena to navigate, but seek the strong companies who have good training programs and strong screening processes. Through this, you will find the right person to care for your loved one Claire Maestri is a freelance writer of senior topics and an expert in helping families find quality senior care options. She lives with her family in Dallas, TX.
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How to Succeed with Your In Home Senior Care Caregiver By Claire Maestri
Today, many companies are reporting that their number one constraint on growth is the inability to hire workers with the necessary skills. Bill Clinton I reflect on this quote because the aging industry has faced growth constraint by failing to recognize the right skills for specific caregiving jobs. For years we have taken employees who have worked in Skilled Nursing, Assisted Living and other Long Term Care venues and placed them in homes with families who were seeking in home senior care. For example, in a controlled Skilled Nursing, they have a culinary department, housekeeping department, nurses and administrative staff. When they are introduced to a home environment, they face any
I’ve found a number of issues with this rationale: 1. These caregivers are accustomed to working in environments where they have the support of other systems and departments.
number of issues that they are unaccustomed and ill equipped to resolve. 2. We expect these caregivers to fill
in for absent family, but have previously offered little or no training to do such. There is not training on problem solving and problem resolution. That is why Mom’s Best Friend developed our
6 hour luxury level training and has a 40 hour on line training program for all of our caregivers.
for a client or their willingness to take extra steps to ensure that a client is comfortable.
1. The industry does not take cultural differences into consideration when setting expectations for in home senior care caregivers. How would someone who grew up without a garage understand the importance of getting a garage door opener repaired? Without training, how would they know who to call?
2. The Senior Care community will often misunderstand socioeconomic conditions of senior care caregivers and often mistake their lower income level for ignorance. Because the senior care caregiver position usually pays under $10 per hour and does not require an advanced degree, many senior care caregivers are forced to live on a tight budget. This does not limit a caregiver’s ability to deeply care
That being said, it is often difficult for such caregivers to understand the value of more expensive, high quality purchases when there are less expensive options. For example, why a client might prefer organic specialty foods over regular market options. I have found great value in the education of senior care caregivers. Investing in knowledge and teaching caregivers how to provide specialty services that separate them from others has provided MBF with an advantage over the industry standard.
Claire Maestri is a freelance writer of senior topics and an expert in helping families find quality senior care options. She lives with her family in Dallas, TX.