East/Northeast Creative Living

CreativeLiving East/Northeast • September 2009

Out in the world

Cedar Village Page 4

INSIDE: Shaw Farms Make memories

Fall Fun

Roof Time Peace of mind

Uno Chicago Grill Good food, family time

An Advertising-Sponsored Magazine Published by The Community Press/Recorder.

CreativeLiving Features 4 8 15

Retirement planning The ABCs of baby boomer retirement planning.

Fall decor trends Find out about the hottest fall trends in home decorating this season.

Saving your home, life in case of a fire Safety tips on how to keep safe if a fire breaks out in your home.

Editor’s note Fall is the best time of year. The air is cool, the colors are illuminating, and the home is completely cozy. I love this season – it’s by far my favorite.

Inside this issue we celebrate fall and all its wonderfulness with an article about fall decorating trends and more.

Be sure to check it out and enjoy the cool weather while it lasts. It’ll be over before you know it.

Specialty Publications Editor

Contact Creative Living is a monthly advertising-sponsored magazine published by the Specialty Publications Department of The Community Press/The Community Recorder.

See page 8

Departments Living 3 Senior Apartments • Care

out 13 Dining Restaurants

Fun 5 Fall Decorations • Farms

14 Health & Fitness

Home 5 At Decorating • Repair

Mind • Body • Spirit

Questions and comments can be sent to Editor Melissa Hayden c/o The Community Press/ 394 Wards Corner/Loveland, OH 45140 or e-mail mhayden@communitypress.com.

For advertising call 248-7685.

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The ABCs of baby boomer retirement planning

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f you are one of America’s 78.2 million baby boomers, you are likely considering what ideal retirement will look like, and the steps required to achieve it. With the current economic downturn, many boomers are finding it necessary to revisit their initial retirement goals.

According to the Social Security Administration, today’s retirees count on corporate pensions and Social Security for 56 percent of their retirement income. With a few minor adjustments, some careful planning and a positive attitude, the other 44 percent is attainable.

Consider the following ABCs of retirement planning: A: assess your financial plan and budget.

• Begin to assess your basic retirement income sources such as a 401(k) plan, IRA, and life insurance plans.

• How much will you need to retire? Determine this by creating a budget that will enable you to pay your monthly expenses such

as food, heat, rent and transportation. Consider expenses that may increase such as health insurance and prescription medicines. At the same time, consider those that may decrease, such as work-related and educational spending.

• Health care coverage is necessary in supplementing your financial foundation and these costs can add up fast. It’s important to have an adequate plan both before and after retirement.

After age 65 you are eligible for Medicare coverage. But what if you want to retire before then?

Your employer may offer a plan for retiring employees, or you may have to look into private coverage, so be sure to consider this.

• Take into account variable expenses such as tax liabilities on your home, illness or the care of elderly parents. Other, often underestimated, variables include gifts, clothing, recreational expenses, and increases in costs of living. For valuable retirement planning resources

and projected trends in costs of living visit www.usa.gov.

B: begin to explore other retirement income options.

• Determine the amount of guaranteed retirement income you already have. Examples of these are cash savings, corporate pension plans, home equity, or annuity-type investments.

• Are you married? If so, how will that affect your retirement budget?

• Pay attention to how your retirement funds are earning money. Are they structured for maximum returns? It’s crucial that you continually assess these funds.

• Decide when to begin Social Security benefits. According to AARP, for each year you put off collecting your benefits between ages 62 and 70, you increase your payments by 8 percent.

• Calculate your potential monthly retirement budget based on your estimated income weighed against your expenses.

At minimum, you need enough

retirement income to cover basic living expenses for your lifetime.

• If your initial assessment requires additional income, consider part-time work during retirement, or perhaps selling your larger home for a more comfortable, carefree condo.

C: consider life insurance - the foundation of a solid retirement plan.

• f you don’t have a life insurance policy, get one. Life insurance not only helps to leave a legacy for generations to come, it will protect your loved ones and help provide them with financial security once you’re gone.

• Consult an expert in order to find the right life insurance for you.

Start planning your retirement today. With a little strategy and the right attitude, you can build the financial security you need to live a successful, happy retirement.

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Personal, compassionate service

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or more than 100 years, MihovkRosenacker Funeral Homes has been providing families with personal, compassionate funeral services. Family-owned and operated, they are dedicated to serving families in their time of need.

Mihovk-Rosenacker Funeral Homes offers total service from Preneed to After Care. They have a complete selection of all funeral and cremation products including caskets, cremation urns, grave markers, and printing services. They offer several packages for families to choose from and work with each family to

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honor all of their requests.

To take some of the burden off of loved ones and for peace of mind that their family members’ wishes be granted, Mihovk-Rosenacker offers advanced funeral planning and services. Preplanning your funeral guarantees today’s funeral prices, making it a smart financial move, as well.

They have two state-ofthe-art facilities that they are constantly improving for increased family comfort. On the West side of Cincinnati, they are located in White Oak/Monfort Heights area on Cheviot Road near North Bend. In the Blue Ash/Evendale/

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Sharonville area on Plainfield Road they are located on the grounds of the Rest Haven Memorial Park and have a formal chapel and a large community room for luncheons after services.

The compassionate, friendly staff at MihovkRosenacker is dedicated to providing high quality services at affordable prices.

For four generations they have been building the trust of families and are dedicated to the dignity of funeral service. To learn more or to schedule an appointment, call 513385-0511 or visit www.mrfuneralhome.com

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Cedar Village goes into the world Jewish tradition, we recognized that is the time CEO/President of Cedar Village that young people have a Bar or Bat Mitzvah, conn 2007, Cedar Village firming their commitment became the third senior to their faith. care facility in the Why not, we thought, nation to undertake a 10make the ceremony of Bar day mission to Israel. of Bat Mitzvah, B’nai It was an extraordinary Mitzvah, available to our undertaking to take senresidents? iors, with an average age On Oct. 12, nine resiof 85, traveling internadents, both from our tionally and maintaining Health Care Center and the same intense schedule apartments, will begin this of missions done with unprecedented journey. younger participants.

And on Oct. 15, at From the top of Robinson’s Arch in Masada to floating in the Jerusalem, they will take Dead Sea and from a visit part in the B’nai Mitzvah to Yad Vashem to a priceremony. Some of the vate audience with the participants did not have U.S. ambassador, the team the opportunity to do this from Cedar Village was in when they were young constant motion and had people, others will be constant learning. doing it for the second Just weeks from now, time.

Cedar Village will become All will have a chance the first anywhere to to say the blessings over undertake an entirely new the Torah, to read or chant kind of mission – a B’nai a section and to deliver Mitzvah Mission to Israel. their own words of comWhat does that mean? mentary.

Cedar Village is curThe B’nai Mitzvah cerrently in its 13th year and emony will be broadcast as we thought about the live, via U-Stream, to famsignificance of that year in ilies here at home and will

By Carol Silver Elliott

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be recorded for future viewing. It will be followed by a special luncheon which will certainly celebrate this incredible achievement.

Of course, this is not all that will happen during the Mission.

There is a full schedule for the rest of the trip including visits to the Knesset, Masada, the Dead Sea, Yad Vashem and more. Residents will be in Jerusalem, Haifa and spend two nights on a kibbutz.

Throughout the mission, we will be sending photos and blogging daily. Why? Because this mission is not just about those who are a part of it, rather it is for everyone at Cedar Village.

Those who cannot travel are still engaged and involved in the experience and they will have the opportunity to participate to whatever extent is possible for them.

You can follow the B’nai Mitzvah Mission too at http://cedarvillageblog.blogspot.com/.

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Evergreen is a special place for your retirement

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vergreen is here to offer a beautiful opportunity for a life of continued growth and fulfillment with freedom, privacy and security.

A rental community with no entrance fee offering a complete range of services to create a better senior lifestyle for you.

The good life: courtyards, gardens, three-hole golf course, bowling on the green, heated swimming pool, transportation and a dining room offers delightful culinary experiences in a classic and elegant setting.

No wonder residents and guests alike look forward to an Evergreen dining experience.

All one-bedroom, two-bedroom apartments and the country cottages include individually-controlled central air conditioning and heating, wall-to-

wall carpeting, large closets and special senior living features.

Full-time nurses and the medical professional staff at Evergreen and Wellspring Health Center provide round-the-clock care for Assisted Living and skilled nursing needs.

Come in for a visit, open seven days a week for tours. See how Evergreen Retirement Community can change your life!

Make memories at Shaw Farms

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ollow the “yellow brick road” with your children and grandchildren this year at Shaw Farms.

In celebration of the 70th anniversary of the “Wizard of Oz,” Shaw Farms has put together their own version of the classic tale. The display is fantastic with original renderings of the loveable characters.

For 32 years the Shaw Family, in Milford, has been helping your family make memories.

Everywhere you look there’s a cartoon character and a display waiting for your child’s imagination.

Best of all there’s no admission or parking fee.

Whether you visit during

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the week or weekend, there will be plenty of activities to keep your family busy.

Weekends offer face painting, a bluegrass band, an on-site bee keeper, and horse- or tractordrawn hay rides.

And don’t forget about the 20-acre corn maze.

The maze stands about 10

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to 12 feet tall and sports a giant spider web!

Shaw Farms will be selling pumpkins, straw, corn stalks, gourds and squash along with many other items. So stop by for all your fall decorating needs.

For more information visit www.shawfarms.com or call 575-2022.

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Fall decor trends feature rustic charm T with homespun elegance

he air is becoming crisp, colors are changing and cozy sweaters are starting to make their way back into your wardrobe’s rotation.

Autumn has arrived, and its natural beauty shines radiantly to warm the heart and inspire fresh crafting ideas.

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Clever crafts can help to create an autumn atmosphere that is simply elegant or pure fun for the family. When thinking about your fall DIY projects, try some of these ideas to capture your creative spirit when decorating your home or planning your next festive get-together:

1. Fabulous fall decor with versatility and value Start by decorating your table with exceptionally affordable wool felt. Available in plenty of mix-andmatch autumn colors, felt can be sewn, glued, colored or cut – the sky is the limit.

One easy option that provides a beautiful visu“Food is a must at any al presentation fall gathering. When the is to cut out shapes on a temperature cools, many of us felt cloth. For example, are turning on our ovens draw scattered to bake delightful maple leaves all over two must-taste treats.” different colors of felt and cut out the pieces. Layer the two felt squares together on your table for a windblown, just-fallen look.

What to do with the felt leaves you just cut out? Create a harvest-themed wreath with a classic yet contemporary look.

Decorate an18-inch grapevine wreath with miniature lights, felt leaves and any other favorite fall items you have around your house or yard.

ies are tantalizing no matter what, but how about taking them a step further? Serve them kabob-style with marshmallows, fruit and a drizzle of icing to make them irresistible. Arrange on a tray for a beautiful presentation and watch them disappear in minutes.

If you’re looking for a dessert with a theme, use uniquely shaped silicone baking pans. Try baking brownies in a jack-o’-lantern muffin pan. After they cool, pop them out, turn over and decorate their faces.

2. Classic adornments with surprising details Need a great fall centerpiece? Rethink the classic pumpkin and try decorating with unique embellishments. For a beautiful fallthemed pumpkin, choose gold-toned wire and bend to create fun leaves and vines, attaching to the pumpkin’s top. If you’re looking for a Halloween theme, decorate the face of the pumpkin with masks and feathers to create different characters like a witch, owl or masquerader.

One way to save money and create a cherished piece of decor you can use year after year is to decorate a reusable pumpkin like Fun-Kins. These light artificial pumpkins are easy to work with and sure to become wonderful works of art.

3. Fall food made fantastically fun

4. Double your fun with homemade costumes If a costume party is in your future, you’ll need something fun that stands out.

The homemade costume is officially back and allows your creativity to shine.

Brainstorm with your child to figure out what you both want to be for Halloween and then hit up a craft store to get the necessary supplies. What’s the newest trend for costumes? Two-in-one options that have the ability to quickly convert from one character to the next.

For example, a sparkling dress can serve as the base for both an astronaut and a robot. With simple accessories and removable changes, your little girl can attend one party as a robot and then zoom off to another as an astronaut. Plus this is a fun alternative to traditional girls’ costumes without losing the glitz. Reversible options also work for double-duty costumes. For example, try keeping one side of a cape black so you can be a witch and the other side gold. Add a feathered boa and you can become a queen in an instant.

Food is a must at any fall gathering. When the temperature cools, many of us are turning on our ovens to bake delightful must-taste treats. Rich and decadent brown-

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Roofs with peace of mind

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any people remember hurricane Ike that blew through the tri-state last September, causing widespread damage from trees and peeling shingles from roofs. Ike was just the first of five major storms that have caused damage to homes, keeping insurance companies as well as roofing companies busy.

But homeowners need to be cautious about who they have bid the work.

Because of the extreme volume in work the

storms have produced, many “storm-chasing” companies have moved into the area. These companies hire men to canvass neighborhoods knocking on doors and promising “free” roofs with no out of pocket deductibles. That is a form of insurance fraud and should be avoided at all costs. These men work on commission only and will seldom climb onto a roof. A homeowner can never be sure of the exact extent of damage or the true cost, due to the fact

that if this type of estimator does not sell a roof, he does not get paid!

Your insurance company will have an approved vendor list of reputable local roofers that you can call on for an estimate. In addition, Angie’s List and the Better Business Bureau can also be an excellent source for a roofers name and number. One such reputable and local roofer is; Rooftime, winners of the Press Communities Readers Choice award for 2009.

“We have been repair-

ing and taking care of residential roofs since 1995,” says Sandy Feltner of Rooftime, who has a full showroom and office complex located on Burlington Pike. “We come out right away and get onto your roof to inspect for any damage, and then prepare a written estimate. All of our estimates are free and include color digital pictures of what we find. We are on most insurance companies approved vendor lists, meaning our work and bids are pre-

approved in most cases.”

The family owned and operated company utilizes the same storm estimating computer software that most of the insurance companies use, meaning a Rooftime storm quote will match the adjuster’s figures, cutting through the red tape and speeding up the process of getting a storm damaged roof repaired correctly and quickly!

Rooftime will also complete a roofing project and then invoices the insurRoof Time see page 9

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Decorators Workroom gives windows the treatment

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o you love those beautiful custom window treatments in model homes and on HGTV? Don’t let the high price of custom-made window treatments keep you from enjoying superb quality in your home.

Go direct to the skilled craftsmen at The Decorators Workroom.

They create exceptional window treatments at surprisingly affordable prices... direct to you, with no middleman adding extra charges.

“I priced custom cornices with an interior designer and also at a shop specializing in window treatments,” said Anna Rumsey of Anderson.

“The prices were just too high. Then a friend of mine told me about The Decorators Workroom.

Their prices were so reasonable and the quality

Decorators Workroom!”

In addition to cornices and valances, The Decorators Workroom can create any type of window fashion for your home including draperies, side panels, Roman shades and more. They also design upholstered headboards and ottomans to add that truly custom

“Each window creation from The Decorators Workroom is made by hand right here in Cincinnati with top-of-the-line fabrics, expert construction, and quality dressmaker-style details like covered buttons, lush fringe, covered piping and contrasting borders.” was top-notch. Best of all, everything was tailormade for my windows!”

A designer from The Decorators Workroom will come to your home for a no-cost consultation.

She’ll listen to what you want, offer lots of ideas and fabrics to choose from, and show you samples of their beautiful workmanship.

Check out the beautiful results for Anna’s kitchen window in the ad on this page. Her fully upholstered classic cornice fea-

tures two fabrics in coordinating checks and stripes with jute rope trim and a playful tassel detail at the bottom edge.

Anna’s total cost for fabrics, trims and labor was just $199. Compare that to her quote of $425 from a retail store.

“I was almost ready to settle for readymade window treatments, but they looked like everyone else’s windows and were really a bit skimpy,” said Anna.

“Then I discovered The

touch... all at surprisingly affordable prices.

Each window creation from The Decorators Workroom is made by hand right here in Cincinnati with top-ofthe-line fabrics, expert construction, and quality dressmaker-style details like covered buttons, lush fringe, covered piping and contrasting borders.

Call 515-1138 today to schedule a free, no-obligation appointment with an interior designer from The Decorators Workroom.

owners thousands if a worker were to get hurt on their property because hosance company for the remaining balance pitals now go after homeowner insurance policies. due, saving homeowners from out of Rooftime invests in shingle certificapocket expenses. tion classes for its installers and are Roofing contractors who insist on payment when the job is complete leave members of local area chambers, as well as the Home Builders Association, and homeowners no choice but to let their homes leak, or scramble to find a way to the National, the Ohio, and the Kentucky, Roofing Contractors cover the thousands of dollars it can Associations. Their ten year membership take to install a new roof or siding. in the Professional Roofers Advisory At Rooftime, they will do the work and then send an invoice and pctures of Council and their five year status as Shinglemaster’s represents a huge the finished project to the insurance company. “We always try to put our cus- investment in time and money; so that a Rooftime customer can be secure in tomers first,” Feltner says. knowing they will receive a text-book Rooftime uses their own trained and installation. shingle certified crews and is fully Visit Rooftime’s Web site for informainsured with workers compensation and tive (and funny) information about all liability protection. Feltner warns that things roofing, at www.time2roof.com, some roofing companies that employ foreign workers (without social security or call and speak to Sandy right now at 513-528-TIME or 859-341-TIME. numbers) can cost unsuspecting home-

Roof Time from page 8

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Increase value of home with quality yard elements from Brentwood Landscape & Design

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ith fall-like weather bringing out the beauty of flowers, trees and shrubs, it is time to look into professional landscaping to highlight the investment that is your home.

“Quality landscaping is the No. 1 factor for increasing the value of your home,” stated Bob Petracco, designer and owner of Brentwood Landscape and Design Inc., located on the AA Highway in Alexandria. “We specialize in exceptional, one-of-akind landscape installation and design services.”

Brentwood is unique in that they display at their nursery many of the hardscape elements that can be incorporated into a residential design.

“We have on-site displays of arbors, pergolas, paving stones, various retaining walls, stonework and boulders to show the client exactly how these ele-

ments will look in their landscape,” Petracco explained. “We

ments. Petracco or his co-designer, Derek Archer, can visit the customer’s property and after discussing the project with the client, present design concepts, plant recommendations – DESIGNER AND OWNER, and relative BRENTWOOD LANDSCAPE budgets.

AND DESIGN INC. Detailed, scaled plans can be carry an extensive inventory of drawn upon request for an trees, shrubs, perennials, and hourly fee. grasses so our clients can see the “My definition of a great landactual plant we are recommendscape designer is one who coming for their plan.” bines the aesthetic elements of a Brentwood Landscape and project, including the architecDesign Inc., has been in business ture, color and size of the resi26 years, originating in Fort dence with the practical considerThomas, and moving to its presations of plant selection, cusent location in Alexandria tomer budget, and desired mainbecause Petracco wanted more tenance in a concept that capland to showcase design eletures the hopes and ideas the

“We strive to create a landscape that reflects your own personal lifestyle.”

Bob Petracco

client has for the perfect landscape,” he stated.

Petracco started his company because he saw a definite need for quality landscaping in the Greater Cincinnati area, and he set about to fill that need.

Although 90 percent of his business is residential, he does do some commercial installation.

Potential clients can visit www.brentwoodlandscape.com to get more information about Brentwood Landscape & Design Inc. and to review the company’s portfolio.

“We strive to create a landscape that reflects your own personal lifestyle,” said Petracco.

“Call us at 859-635-0711 to schedule a complimentary consultation with either myself or Derek. We would be happy to meet on site to discuss your project, and make recommendations about your landscape design.”

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D I N I N G

O U T / H E A L T H

Uno serves up unselfish service

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no Chicago Grill is about more than serving up good food – they’re about serving up unselfish service to the community.

The originator of the deep dish pizza is involved in various community activities and organizations from the Anderson Chamber of Commerce to local schools.

Uno is also proud to support the community it serves with their hugely popular Dough Raisers program where members of an organization can join the Uno staff in serving for a day and 20 percent of the proceeds made benefits their cause.

Franchise owners Becky and Todd Wilbur are proud Cincinnati

natives and believe it is important to be part of the community that so generously supports their business.

New general manager Phil Frost feels the same way.

“My philosophy matches Uno’s philosophy,” he said.

The Beechmont location will celebrate its second anniversary in

January.

The beautiful Chicago warehouse-style restaurant boasts 14 high definition plaza TVs and has the NFL ticket.

“It’s a comfortable place to watch the game,” said Phil. “We’re very family-oriented.”

For more information visit Uno Chicago Grill at 7578 Beechmont Avenue, or call 231-5357.

Tips to save your home, life in case of fire Every year more than 500,000 fires occur in homes across the nation. To help protect your home and your loved ones, the experts have come up with the following easy-to-follow tips that could make all the difference.

Protect your home

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ny home is susceptible to fire, and the first step to keeping your family safe is to purchase two essential items.

• Fire alarms: Fire alarms are your first line of defense when it comes to fires. Make sure that you have one installed on every level of your home even the attic. To get the most protection, install one in, or near, every bedroom.

Fire alarms use three different methods to detect fire: photoelectric, which responds to smoke; ionization, which responds to smoke and gas; and thermal, which responds to heat. When choosing an alarm, select one that utilizes more than one of the above methods.

Once the fire alarms are installed, be

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sure to test them once a month and change the batteries twice a year. A good reminder is to change the batteries when you change your clocks for daylight savings.

• Fire extinguisher: Every home should have a fire extinguisher, specifically one that is labeled as “ABC” which means it can be used on all types of fires. Additionally, bigger is not always better when it comes to these products.

It is important to select a size that fits within your appropriate storage location.

Experts suggest keeping a fire extinguisher within 10 feet of the stove, on the same side of the kitchen that has the exit. Many fires occur in the kitchen, such and keeping an extinguisher nearby can help you contain the damage.

Once you have selected your fire extinguisher purchase the desired number plus one additional extinguisher for you to try out. Remember, you don’t want to have to learn how to use the extinguisher while there is a fire.

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Don’t let this happen to you or a loved one

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f you snore and have excessive daytime sleepiness, there is a high probability that you have Obstructive Sleep Apnea, a sometimes lifethreatening sleep disorder.

According to the National Sleep Foundation’s “Sleep in America” poll, 60 percent of Americans have driven while feeling sleepy and 37 percent admit to actually having fallen asleep behind the wheel in the past year.

It has been reported that drowsy drivers are up to 10 times more likely to have an automobile accident, more dangerous than drunk drivers.

An estimated 1 in 20 Americans have sleep apnea, a condition where the airway collapses during sleep, causing the person to stop breathing and awaken multiple times every hour with a gasp.

This leads to chronic daytime sleepiness and if untreated, greatly increases chances of a heart attack or stroke.

How do you know if you have sleep apnea? At Cincinnati Dental Sleep Medicine, Dr. Timothy Kitzmiller uses a number of screening tools to assess the likelihood of sleep disordered breathing. During your initial consultation you will be asked the following questions: • Do you snore on most nights?

• Has anyone reported that you stop breathing or gasp in your sleep?

• Is your neck size

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If you aren’t treating your sleep apnea, drowsy driving can kill.

large (men 17 inches/women 16 inches or greater) • Have you had, or are you currently being treated for high blood pressure?

They will also review your score on the Epworth Sleepiness Scale to determine your level of daytime sleepiness. If you answer yes to two or more of these screening questions and score a 10 or greater on the Epworth, Dr. Kitzmiller will put together a plan for your proper diagnosis and treatment including CPAP alternative Oral Appliance Therapy.

The Epworth Sleepiness Scale

How likely are you to doze off or fall asleep in the following situations?

Rate on a scale of 0 being no chance of dozing, and 3 being a high chance of

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dozing, then add up your total.

1. Sitting and reading 2. Watching TV 3. Sitting inactive in a public place (e.g. a theater or a meeting) 4. As a passenger in a car for an hour without a break 5. Lying down to rest in the afternoon when circumstances permit 6. Sitting and talking to someone 7. Sitting quietly after a lunch without alcohol 8. In a car while stopped for a few minutes in traffic Save a life – share this survey with a family member or friend and then call Dr. Kitzmiller’s office at 248-8848 with your results. He and his team are here to help you feel the difference a healthy night’s sleep can make!

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