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July 2012





July 2012


Returning to school and work a challenge for many

ON THE COVER Photo provided by


Martin County

returned to school. Many enrolled in Indian River State College’s Office Administration program. Every one of them said they were frightened that first day. Some thought about turning back. They stayed. The ones who had never turned on a computer learned to navigate the Internet. Then they moved on to sophisticated programs. All of them gained confidence at their ability. Others in this issue looked for programs to help tide them over and prepare them for full-time employment. You will find organizations that See SCHOOL, Page 10

Phone (772) 465-5656 Fax (772) 465-5301 Classified (772) 465-5551 Advertising Consultants Gary Dean, Kelly Delprete, Christina Stamper, Christina Franco

Associate News Editor Shelley Koppel Photographer Mitch Kloorfain Advertising Sales Manager Jeffrey A. Mayer

National Accounts Manager Michele E. Muccigrosso Major/National Advertising Consultant Sylvia Montes Production Manager Mercedes L. Paquette

Inside Sales Director Pat Snyder

Editorial Page Design Megan Schumacher Graphic Designers Eric Macon, Sue Moye, Rita Zeblin, Frank McLaughlin

Inside Sales Consultants Carol Deprey-Zelenak, Anna Vasquez, Heather Donaldson, Steven Gardner

Published monthly by Hometown News, L.C., 1102 South U.S. 1, Fort Pierce, FL 34950 Copyright © 2012, Hometown News , L.C.



emember the first day of school? It was a little scary, because you didn’t know if you’d like the teacher or if there were mean kids in your class. If you were going to a new school, it was even worse. How would you find you way? Would you make friends? Would you wear the right clothes? What if you got lost and walked into class after everyone had already sat down? What if they all looked at you? Now fast-forward some 30 or 40 years. You’ve been working for a long time and perhaps you’ve lost you job because of the economy. When you look around, you find that the skills you have may not be enough in today’s job market. What are you going to do? This issue of Forever Young focuses on the solutions some people have found. You’ll meet brave souls who


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July 2012

Dealing with the ‘O-word’ in job interviews: Are you overqualified? By Dave Bruns For Forever Young

Job hunters age 50-plus dread hearing this question: “Aren’t you overqualified?” Some suspect this question is really just a code for “You’re too old.” But seen from the perspective of the potential employer, there’s often more to it than that. Because workers 50 or older have a lifetime of experience, sometimes they will have more qualifications than some lower-level jobs actually require. That’s not all bad. Perhaps you’re applying because you want more flexibility, or to return to work that you miss. At other times your qualifications will be exactly right, but you sense underlying concerns about your age. Whatever the case, remember what your product is –

you’re selling yourself as a great hire, and what you can do for your new employer. Anticipate the “overqualified” issue and be ready to respond effectively.

Step One: Adapt Your Resume If you’re applying for jobs at a lower level than those you’ve held in the past, you can adapt your resume in several ways: • Revise your work history to keep descriptions short and high-level. Selecting only those skills most relevant to the job you’re applying for. • Downplay high-level qualifications that aren’t required for the job • Omit degrees and certifications that make you look too educated for the job

Because workers 50 or older have a lifetime of experience, sometimes they will have more qualifications than some lower-level jobs actually require. That’s not all bad. Dave Bruns AARP Florida • Stress teamwork rather than leadership, using words like “coordinated” or “collaborated”

employer may be worried about one of five things: • You will be bored

Step Two: Prepare for the Interview The job interview is often the place where the “overqualified” question comes up. In a recent AARP webinar on job interviews, career professional Camille Grabowski pointed out that the

• Pay may be too low • You will leave for a better opportunity • You may want a quick promotion See INTERVIEWS, Page 14

Returning to school opens up world By Shelley Koppel Associate news editor

JENSEN BEACH – Judy Weatherly started college the first time in the fall of 1968. After one year, she made the decision to leave school, get married and have children. Forty years later, she’s back at school. “My children were grown and my husband had passed away,” she said. “I always wanted to go back to school.” Ms. Weatherly tried several different jobs, but none was satisfying. “I decided it was time to go back to college,” she said. “I enrolled in the office administration program at IRSC. It’s a 1,050 hour program. I have 150 hours left and I will complete it by the end of July.” That won’t be the end of Ms. Weatherly’s education.

“I plan to take courses and turn it into an A.S. degree, probably in business administration. The college honored the year I did 40 years ago. “If I take the 1,050 hours (of office administration,) one accounting course and one communications and writing course, I can turn it into 12 college credits. I should be able to graduate with the college next spring. I’m really excited.” The decision to return to school after her husband’s death wasn’t an easy one. “When I was thinking about this, I was 58,” she said. “I said to a friend, ‘I’m too old.’ My friend said, ‘How old will you be in fours years if you go?’ I said, ‘62.’ He said, ‘How old will you be if you don’t go?’ I said, ‘62.’ It’s been such a blessing. I’m so glad I tried and so thankful for the

women who’ve taught me.” Ms. Weatherly said that in the beginning, returning to school was a challenge. “I hadn’t been in school for a while, studying, reading and concentrating,” she said. “As a mother, I was always doing things, but this was another world.” “At the time my husband died, my children were grown and didn’t need me. I remember being very sad and crying a lot. I didn’t know where to start. A counselor told me to ‘find my passion.’ My passion was taking care of my family.” It took her several part-time jobs that were not her passion and some additional thinking time before she was ready to return to school. “Going back to school has opened up the world to me,” she said. “I have a passion now and I

have other passions. It’s opened up my heart and mind and soul. It’s been a blessing in a myriad of ways.” Ms. Weatherly hopes to keep taking a course each semester in something that interests her. It doesn’t matter if they’re connected. She also has been hired by the office administration program at the IRSC Chastain campus as an aide. “I love it,” she said. “I’m so thankful to be part of the college. I want to be an inspiration to my four grandsons that I am keeping my brain working.” The Chastain Campus of Indian River State College is located at 2400 S.E. Salerno Road, Stuart. The Office Administration program is offered from 8 a.m.-9 p.m. Monday-Thursday. For more information about the program, call 1-(866) 792-4772.



July 2012




Ongoing Events Stuart Green Market: from 9 a.m. – 1 p.m. Every Sunday at the city Hall Parking Lot. The best of fresh produce, cut flowers, plants, shrubs & small trees. Take home fresh fruits, vegetables, baked goods, honey, jams, jellies, preserves, eggs, cheese, sauces, plants, organic goods and much, much more! For more information, call (772) 528-8900. Waterfront Wednesdays at Sunset Bay: at 4 p.m. every Wednesday at Sunset Bay Marina and Anchorage, 615 Anchorage Way St., Stuart. The Arts Council & Sunset Bay Marina invite art and music lovers to come by land or sea to Waterfront Wednesdays at Sunset Bay, a weekly arts and fine handcrafts show featuring local artisans. Enjoy art, music and nature’s stunning sunsets over the St. Lucie.

This free-to-the-public event includes free parking on and off site, shuttle service, valet parking, and dockage on the marina transient and dinghy docks. Larger vessels may lay on the fuel dock after 5 p.m. The marina sets a perfect stage for select artisans to display their finest works portraying Stuart and Martin County’s connection to the ocean, inlets, rivers, waterways, bays and lakes. Depictions of boating, fishing, sailing, cruising, kayaking, rowing, foraging, shelling, waterfowl birding and more seem to come to life next to lapping water, bobbing boats and the scent of open water. For more information, visit Brother Judah Drum Circle: from 6 p.m. to 8 p.m. every Sunday at Shepart Park, 600 SW Ocean Blvd., Stuart. A small gathering of drummers in the park. For more information, contact Jim Chrulski at (772) 288-5383.

urday, July 28. Reviving and revising the music of the 1950s and 60s, Kenny Vance and the Planotones prove that doo wop is far from dead. The 6-person group from Brooklyn got their start as a fictional band for the 1978 biopic American Hot Wax, performing hits by such popular doo wop groups as The Del-Vikings and Danny and the Juniors. The musical group would become a reality in 1992, creating original music with influences ranging from soul singer Sam Cooke to teenage poets on the streets of Harlem. This July, Kenny Vance and the Planotones are coming to the Lyric for an exclusive performance with an intermission followed by an informative Question and Answer session with the doo wop veterans. For ticket information, call (772) 286-7827 or visit The Lyric Theatre is located at 59 SW Flagler Ave., Stuart.

Lyric Theatre Events

Kane Center Events

Kenny Vance and The Planotones: at 7 p.m. Sat-

See CALENDAR, Page 6


Have an event you would like included in our calendar? Email the information to before July 8 to be included in the August edition of Forever Young.




Calendar From page 5

The following events are at the Kane Center, 900 SE Salerno Road, Stuart. For further information on the events listed, call (772) 223-7800 or visit Senior Fitness: at 9:30 a.m. to 10:30 a.m. Tuesdays and 1 p.m. – 2 p.m. Mondays and Thursdays. Senior Fitness is an enjoyable exercise program designed to help those 55 and better live healthy, active lifestyles while getting fit, having fun and making friends. The one-hour class emphasizes muscle range of motion, flexibility and coordination. Cost is $4 for Kane members and $6 for nonmembers. Zumba Gold: at 9 a.m. – 10:30 a.m. on Mondays, at 10 a.m. on Wednesdays and at 5:30 p.m. on Tuesdays and Thursdays. Zumba Gold is a senior-friendly version of the popular Latin-inspired fitness dance workout. This one-hour class is ideal for beginners and those who want an effective, and fun, lower intensity, low impact workout. Cost is $4 for Kane members and $6 for non-

members. “Living Younger” Yoga for Seniors (Kripalubased Vinyasa): at 9 a.m. – 10:30 a.m. Tuesdays. “Living Younger” Yoga introduces participants to health-enhancing yoga postures, breathing techniques and meditation in a fun, nurturing and safe environment. The class integrates alignment, intuition, strength, fluidity and breath, as well as the spiritual dimensions of Yogic practice. Inhalation and exhalation are stressed throughout. “Living Younger” Yoga, is appropriate for all levels (beginner, intermediate and advanced), and allows students to work according to their own flexibility and strength. Cost is $15 for Kane members and $18 for nonmembers. “Chair”apy Yoga (Kripalu-based chair Yoga): at 11 a.m. – noon Tuesdays. Chairapy Yoga teaches participants healthenhancing yoga postures, breathing techniques and meditation while using a chair for support. The program is a modified way of approaching yoga, enabling those with health issues or restrictions to reap the benefits of a traditional Hatha practice. The class helps students to integrate alignment, intuition, fluidity and breath. The primary focus is the integration of breathing and

July 2012

stretching in ways that open up the body and promote good health. The class is appropriate for all levels: beginner, intermediate and advanced. Cost is $10 for Kane members and $13 for nonmembers. Tai Chi: at 10 a.m. – 11 a.m. Thursdays. Tai Chi for Arthritis, developed by Dr. Paul Lam, is easy to learn, enjoyable and provides many health benefits. Based on “Sun” style Tai Chi, Tai Chi for Arthritis is endorsed by the Arthritis Foundation. It is a safe and effective system that enhances strength and flexibility, while reducing joint pain and stress. Cost is $12 for Kane members and $15 for nonmembers. Watercolor Painting: from 1 p.m. – 3 p.m. Mondays. Learn the basics of watercolor painting in this no-fear class, geared toward fun with no worries! This creative medium lends itself to all types of painting, from illustrative to impressionistic and abstract. Once you have mastered the important points of watercolor painting, you can create projects in the style of your choice. Cost is $20/class for Kane members and $25/class for non-members. See CALENDAR, Page 7

Memory loss is common as people age, but is it normal? Memory loss may be normal for age but if it is not, treatment may be indicated to slow the progression. Patients whose treatments are delayed for memory loss do not do as well compared to patients treated earlier. This is not the time to be part of the ”ostrich syndrome”. Putting your head in the sand will not make the problem go away. But a neurologist can help. Patients often say my memory is no different than the memory of other people my age. That does not mean memory loss is normal just more frequent in older age groups. Testing is painless and very informative.


the Treasure



“A change in memory function should be an immediate call to action, a reason to schedule a doctor’s appointment to evaluate the reason for memory loss”, urges Hal M. Tobias, MD, of Neurology Associates of The Treasure Coast. “There are excellent medications available today that can help improve memory function, even among patients who are in varying stages of Alzheimer’s disease.” Dr. Tobias assures. A number of conditions — not only Alzheimer's disease — can cause memory loss in older adults. Getting a prompt diagnosis and appropriate care is important. “It is important to identify and treat these conditions quickly, so they do not further diminish a patient’s quality of life”, insists Dr. Tobias.

“Not all memory loss results from the onset of Alzheimer’s disease”, he emphasizes, “although people who suspect this is their problem may avoid seeking help on order to delay an unwanted diagnosis. Many of my patients say. ‘My memory loss is not worse than anyone else my age’. Just because that’s true doesn’t necessarily mean it’s normal. If an evaluation reveals normal memory loss for your age, no harm done. However, if the evaluation is abnormal, treatment may be instituted to delay progression”







Dr. Tobias welcomes your questions regarding this article or any issues involving memory loss and neurological disorders. To schedule an appointment, please call (772) 283-3414. Neurology Associates of the Treasure Coast is located at 901 SE Monterey Commons Blvd., Suite 200, in Stuart. Hal M. Tobis, MD, is board certified in neurology and pain medicine by the American Board of Psychiatry and Neurology and in pain medicine by the American Academy of Pain Medicine. He completed his neurology residency at Jackson Memorial Hospital, Miami.



July 2012



70-something woman goes back to school By Shelley Koppel Associate news editor

JENSEN BEACH – Betty Cipollone may be in her 70s, but she is ready, willing and able to work. It’s in her genes. Her mother, who turns 100 this month, worked as a receptionist until she was 98. For the last few years, Ms. Cipollone has been working at a variety of agencies as part of the Senior Community Service Employment Program, a program of the U.S. Department of Labor and administered by the AARP Foundation. The program serves those 55 and older who meet low income guidelines. Participants are placed with host agencies and paid the minimum wage through Title V of the older Americans Act and state and local grants. The program is intended to help people find unsubsidized jobs. Ms. Cipollone, while grateful for the opportunities the program has given her, wanted to improve her chances of finding a job on her own. “I decided I wanted to go to school to update and upgrade my skills,” she said. “I am computer literate, but I needed to get into programs like Power Point, Excel and Access that offices are looking for. You’d see an ad that said ‘Must know Excel.’ I didn’t even know what it was. That’s when I decided to take classes.” Ms. Cipollone enrolled in the Office Administration program at Indian River State College’s Chastain

Campus in Stuart. She has completed the requisite number of hours for a program certificate and is just finishing up some classes. She’s very happy with her experience. “I just love it,” she said. “I love going back to my classes. I tell everybody it’s my social life. I have more fun. I’m learning skills and have made friends. I love my counselors and the entire program.” Ms. Cipollone enjoys working at her own pace and finds that she pushes herself to do more. Now, as she completes the program, she will be job-hunting. “I’ll try to find a real job,” she said. “I’ve been a receptionist in offices all my life. I’m looking for a part-time job with a little more money than minimum wage. It’s fine working through AARP and I’m very glad I’ve been in the program. It helped me survive.” Ms. Cipollone said that job-hunting can be discouraging. “I’m looking for something that will use my skills. I’m an organized person. I like to organize myself and the office I’m in. I give 110-115 percent of myself.” Ms. Cipollone’s most recent placement was with the Council on Aging of Martin County, right up the street for the IRSC campus. When she leaves work, she goes right to class. Many people wonder if it’s ever too late to learn new skills. Ms. Cipollone encourages them to take a chance.

Calendar From page 6

No pre-registration or RSVP necessary, but you must contact the instructor at (772) 324-0082 for a complete list of supplies that you will need for the class. All class fees can be paid at the start of the class by cash or check only.

Wednesday, July 4 Fourth of July sober picnic: from 11 a.m. to 5:30 p.m. at Shepard Park, SW Ocean Drive, Stuart. Sponsored by the Sunday Night Young People in

Betty Cipollone “Any person that thinks they can’t go back to school, they’d better think about it. I’m not only learning. I’m making friends. My children are all over the country. Being on the computer, I have something to tell them. I tell them about my classes. I don’t have say that I’m sick or lonely or depressed. Once you turn 65, you’re not supposed to die. My mother retired two years ago and she ran the place.”

AA. Sober fellowship to include a BBQ, music, games and fun. For more information, contact Dave Tobin (772) 634-9071.

Friday, July 13 Stuart Night of Worship: at 8:30 p.m. Friday, July 13 at the RiverWalk Stage, behind City Hall, 121 SW Flagler Ave, Stuart. Contemporary Christian Music Concert to share Christ through music. The event is to worship God publicly. For more information, call Ben Price at (772) 285-

The Chastain Campus of Indian River State College is located at 2400 S.E. Salerno Road, Stuart. The Office Administration program is offered from 8 a.m.-9 p.m. Monday-Thursday. For more information about the program, call 1-(866) 792-4772. For information about the Senior Community Service Employment Program, administered by the AARP Foundation, call (772) 336-3330.


Friday, July 20 MusicFest on the RiverWalk: from 6 p.m. to 10 p.m. Friday, July 20 at the RiverWalk Stage, behind City Hall, 121 SW Flagler Ave., Stuart. This event occurs the third Friday of every month. This month features the Nouveaux Honkies. A free open air concert. Enjoy live music, food, beer, wine, vendors, kids activities and the beautiful waterfront. For easy parking, ride the free sailfish shuttle See CALENDAR, Page 12




July 2012

Leaning new skills builds confidence Associate news editor

HOBE SOUND – Denise Henry worked for 20 years at an area resort, starting as a restaurant supervisor and working her way up to human resources manager. In 2007, she was laid off. Some personal and family problems kept her out of the work force for several years. When she was ready to start again, she had gaps in her work history and was in her early 60s. In January 2011, she enrolled in the office administration program at Indian River State College’s Chastain Campus in Stuart. “I wanted to get back to work and I wanted to make sure I was up-to-date with technical skills,” she said. “Technology changes so quickly and three to four years makes a big difference. “I’ve worked on Power Point, Excel, all the Microsoft Office applications, Access and Word. In my previous experience, I learned on the job. But I never

had the formal education. This is great. I’ve learned many different areas to go into just about any office.” Ms. Henry will graduate from the program at the end of the year, and she knows that finding a job at her age is will be a challenge. “I have to be honest,” she said. “When you have a gap in your work history, it works against you. The instructors encourage me. They explain how important it is to keep on knocking on doors. You have to get out there. Sooner or later, someone will give you the opportunity.” Participating in the program has given her more than skills. “I have the confidence I need to go back into the workforce,” she said. “I was very frightened when I first thought about it. It was very hard to go back (to school,) but it’s been great. When I walked in my first day, my knees were shaking, but I needed to go through that. This program has helped me so much. I was falling into a bit of a depres-

“I have to be honest. When you have a gap in your work history, it works against you. The instructors encourage me. They explain how important it is to keep on knocking on doors. You have to get out there. Sooner or later, someone will give you the opportunity.” Denise Henry Student sion. It helped me believe in myself and have the confidence to knock on doors.” The program also works with the students on their interviewing skills and resumes. Ms. Henry said she has learned that you should be honest about gaps in employment and other issues. “You have to show employers you have something to offer,” she said. “I think a lot of people forget your experience as you mature. There’s a lot of things us mature people can offer over young people, like reliability and understanding.

“We just need the chance to prove ourselves. It’s an eye-opener to realize you might be considered too old where you don’t think you’re too old. You are able to work and wanting to work. All we need is the opportunity.” The Chastain Campus of Indian River State College is located at 2400 S.E. Salerno Road, Stuart. The Office Administration program is offered from 8 a.m.-9 p.m. Monday-Thursday. For more information about the program, call 1-(866) 792-4772.

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By Shelley Koppel



July 2012



Using courthouse records in genealogy GENEALOGY BRENDA K. SMITH

your family and will often break down some of those brick walls. Many people avoid reading these old court records as they are often harder to find, difficult to read and confusing. The researcher who takes the time and trouble to learn to use these records will reap great rewards. Almost any family will appear in the records somewhere, buying and selling land, appearing in court cases, being appointed to committees or witnessing someone else’s documents. This places the person at an exact place and time, and connects them with neighbors and possible relatives. There are

lists of jurors, voters, office holders, taxpayers, and occupational licenses. Some counties kept bastardy lists which give proof of parentage, and guardianship records were kept on orphans. Reading the court minutes will give you a view of public life in the area at that time. There are list of committees for building public roads, bridges and buildings, and tells you who the attorneys, judges and well known citizens were as well as who has been arrested or has had their property foreclosed on. Some of these records will be indexed and easier to find than others. There are several ways to find these records. There are published books with abstracts of records, which can be found in libraries and online. Many of these records have been microfilmed, and also can be found in these same places. But

these sources will only give you the records someone else has decided were the important ones to record and may not be the ones that will include something of importance to you. For example, maybe there is a book that has the insanity records, but since that does not cover many people, it has never been filmed or published. If some of your family is recorded in there (that would be mine), they will be missed. Remember, anyone suffering from postpartum depression or old age dementia, etc., was deemed insane. They may have been committed or just ruled incompetent. When you are looking at your family’s records, never judge until you have walked in their shoes. The man convicted of murder may have been defending his family; the farm See RECORDS, Page 11



s you research, you should become best friends with the records in the courthouses in the areas where your ancestors lived. Most of these are public records you are allowed to research. You should not only look in the county where they resided, but if they lived nearer the county seat in the next county, they may have conducted business there as well. The Clerk of the Court keeps probate records, which includes wills, guardianship, estate, marriage and divorce records. You may also find birth and death records, but many of these have been transferred to state locations. The Recorder of Deeds is just as important and often ignored. This office contains the land records for the county as well as the tax records, mortgages and plat maps. This is where you will find the history of


Men’s retirement age is increasing For Hometown News

According to the Center for Retirement Research at Boston College University, men are now retiring later than they have in the past. In an analysis of data collected by the U.S. Census Bureau, the Center for Retirement Research found that the average retirement age for men has risen from 62 in the mid-1990s to 64 near the end of the first decade of the 21st century. The reasons for this change are likely not because men are reluctant to leave office life

behind, but because of a variety of factors that have to do with finances. Many companies no longer offer pension plans, so men are more likely to work longer to save more money for their retirement. In addition, Social Security benefits in the United States are now calculated differently than they were in the past, so men have a greater incentive to work longer. But finances aren’t the only reason men work longer. Many men now have jobs that are not physically taxing, enabling them to work longer as a result.

School From page 3

help with that process. Still others decided to go into business for themselves. It’s not an easy process. Many went to programs such as the one at Florida Institute of Technology. It helps entrepreneurs by teaching them those skills necessary for a new venture, such as making a business plan, understanding licensing and other requirements and learning to budget. These days, retirement is not always feasible because of finances. Many people find that retirement is not fulfilling. In any case, people are working well into their 50s, 60s and 70s. We older workers bring a lot to the table. We have a good work ethic, we are reliable, we are polite and we have maturity and experience. These are all desirable attributes and we need to learn how to brag about ourselves and “sell” ourselves to would-be employers.

July 2012

One of the joys of writing for Forever Young is that I am writing about people in my own age group with whom I share a life’s worth of experiences. I couldn’t do this job well if I were much younger. I just wouldn’t have understood that while you may be older, and look a little more mature, you still have a lot to offer. With the arrogance of youth, I probably would have assumed that people my age were “over-the-hill.” I certainly know differently now. We have a lot to offer. Thanks to Donna Gorham at Indian River State College and Donn Miller-Kermani of Florida Institute of Technology for providing introductions to some of the people featured in this issue. As always, we at Forever Young welcome your comments. Send me an email at For an upcoming issue, if you are part of the “sandwich” generation, caring for aging parents and returning children or grandchildren, please contact me at the above address.




July 2012



Financial considerations for adults mulling a return to school For Hometown News

As the economy has struggled, many adults have found themselves heading back to school. Mass layoffs contributed to high unemployment rates and left many adults without work wondering if going back to school is a good way to weather the storm and, once that storm is over, stand out among a crowded pool of job seekers. In 2009, 100 community colleges were surveyed by the American Association of Community Colleges, which, based on the survey, reported that community college enrollment had increased from 2 percent to 27 percent in just a year’s time. Displaced workers played a significant role in that spike in enrollment, as men and women who lost their jobs increasingly decided to find a new career path that might offer more security.

Records From page 9

may have been lost during a depression. Do your homework and study the history of the time and area. The best and most fun way to search the courthouse is to go there! If you are really lucky, it will be an old and small courthouse with a friendly staff. They will show you the vault door, or room where your ledger books are kept and just leave. This can be a dirty and very physical job. The old ledgers are large

Though the economy has slowly started to recover, many adults are still considering a return to school. Of course, school can be expensive, and it helps to explore your financial options when mulling a return to school.

Where will the money come from? Determining the cost of graduate school is not easy, as tuition varies greatly depending on a student’s course of study. Public graduate schools are typically more affordable than private schools, but tuition will be expensive regardless of the university. Even adults who don’t want to pursue a graduate degree but a new field of study entirely should expect tuition to be substantially higher than it was See FINANCIAL, 12

and heavy and you will be lifting them on and off the shelf. Many have not been touched in years, and remember, they are fragile. Cover the room and check the name of each book. Often the staff doesn’t even know what they have possession of. You may look in vain or you may find a gold mine, but you are handling and reading the actual history, and may be touching the very documents your ancestor touched. Brenda Knight Smith


Financial From page 11

when they were students years ago. That said, adults must decide from where the money for their continued education is going to come. Paying out of your own pocket will require some sacrifices in other areas of your life and could also deplete your personal savings. Financial aid, grants and private loans are other options, and each of these should be thoroughly explored before making a final decision.

Will your employer help pay? For those men and women who are still employed and want to continue their careers, it’s quite possible your employer will help pay your tuition. Employer-funded tuition programs might earn your employer a tax deduction, so don’t just assume your employer won’t


FOREVER YOUNG help cover some of the bill for your education. Some employers who help pay their employee’s tuition will ask an employee to commit to the company for a certain number of years after they have earned their degree, while others will only provide assistance to employees who are not training for another career.

Can I go directly to the bank? Not all adults returning to school will qualify for financial aid (though all adults who can’t afford to pay out of pocket should still apply), while others will not qualify for enough financial aid to cover the costs of their education. In such instances, you can go directly to the bank and apply for a private loan. Adults with strong credit histories should not have too much trouble securing private loans. However, loans from private lenders almost always come with higher interest rates than government loans.

July 2012

Should I tap into my retirement savings? Tapping into retirement savings to pay for your education is a potentially costly maneuver. In addition to substantially reducing your nest egg, withdrawing money from a retirement account might incur penalties and taxes. What’s more, if your retirement account has tax-deferred growth, then you’ll be missing out on potentially significant earnings once you remove money from the account. It’s typically a bad idea to tap into your retirement savings until you’re actually retiring, so resist the temptation to do so when establishing your plan to pay for continuing your education. Thanks to the recession, many adults have returned to school to counter a layoff or advance a stagnated career. Before making such a decision, explore if it is financially prudent.

Catch the eye of over 25,000 readers!

Calendar From page 7

from Osceola, Sailfish, or Kiwanis Park. Call (772) 260-0126 for pickup service. For more information, visit 5K Downtown Dash: from 7 p.m. to 8 p.m. Friday, July 20 at the City Streets, Monterey Road, Palm Beach Road, 10th Street, Stuart. Martin County Parks and Recreation will once again be hosting its Downtown Dash. Set-up is at the Martin County administration building. The run will use the sidewalks. For more information, contact Jesse Moore at (772) 221-1419 or (772) 353-9235.

Use the numbers provided in the puzzle below to help you fill in the empty squares.When you are finished, every row, every column, and every block of nine puzzle squares should include each of the numbers 1 to 9.

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How to ask your employer for a raise As the economy has struggled over the last several years, many employees have felt happy to have a job, no matter what it pays. However, for those who feel they have been doing an exemplary job at work, they shouldn’t let the economy prevent them from asking for a raise they deserve. Chances are, employers are not going to walk up to employees and offer them pay raises. After all, bosses are in the business of having the company operate at the least possible cost. Men and women who want a raise should recognize that it is their responsibility to approach higher-ups about a pay increase. Asking for a raise can put employees on edge and raise a couple of questions. What is the best way to approach the topic? What if the boss

decides against a pay increase? What is a reasonable salary? Preparing for a meeting with a supervisor is essential for men and women about to request a raise. • Research what others in your position are being paid. There are a number of salary calculators available online that will provide a good indication of the regional pay rate for a particular job description. Compare a few of them and take the average. Print out these salary rates and bring them with you to the meeting. • Calculate how long you have been working at the company. It generally costs more money for an employer to replace an employee – even if the new one will be paid less than you – rather than just giving you a raise. That’s because there is the potential of lost business and productivity should you choose to leave the company. Hiring and train-

ing takes time. If you have been with the organization for quite some time, that should work in your favor, as it shows loyalty and the boss can review your lengthy work history. Be prepared to say how much you enjoy working for the company and indicate your long-standing record for getting the job done. • Determine the financial position of the company first. You can probably get a good indication of how well the business is doing based on happenings around the office. If the employer has eliminated jobs, merged jobs, taken away incentives or other morale boosters like office parties, or done anything else that might be indicative of financial struggles, you may want to wait until things level out before asking for a raise. • Practice your sales pitch. Sit down and go over all of the reasons why you deserve a raise. Think about

what proof you can use to support your request. If yours is a salesbased job, offer a spreadsheet that shows how many sales you have made. For recruiters, show how much new business you have brought in. If you have any customer testimonials, present them as well. To get a raise you have to sell yourself. Don’t think of it as making threats or ultimatums. An employer is smart enough to realize that, if you are asking for a raise, you could be unhappy with your current situation. • Think about how you will react if the raise is turned down. Perhaps asking for a raise is the last step before looking for a new job. You might stay if you get more money, but leave if your request is denied. Maybe you have a comfortable enough relationship with your boss See RAISE, 14

026374 For Hometown News

Overqualified From page 4

• You may want the interviewer’s job If asked about being overqualified, start by asking the interviewer, “Can you tell me more about your concern?” Have an answer prepared for each of the points listed above, and practice until you know you can answer convincingly. Ms. Grabowski offers this example: “It’s true that I have held higher level positions and have experience managing people. I truly enjoyed that part of my career. However, I am at a different stage in my career now, and would like to return to the hands-on part of the job I have always loved. That is why this position appeals to me so much.” Use statements like this even if the word “overqualified” is not used directly. You’ll appear stronger if you address unspoken concerns rather than ignore them.

Step Three: Sell Yourself—but Keep It Light Another tactic is to turn your qualifications into reasons to hire you. For example, if hired, your experience means you’d be able to get up to speed and be


July 2012

productive more quickly than other applicants might. Other advantages might be your proven ability to solve problems, work without close supervision, or mentor others. When you bring up these qualities, do so in a nonthreatening way. For example, instead of trumpeting your high-level management skills, talk about times when you successfully collaborated with other team members in ways that made everyone look like winners. Dealing with the “O-word” comes down to showing you are the right “fit” for the job. With preparation and confidence, you’ll help the employer see you not as overqualified but as the best-qualified applicant. For more about the overqualified label and other topics, see AARP’s Job Tips for 50+ Workers at . AARP has created a free live webinar < h t t p : / / w w w. a a r p. o r g / w o r k / w o r k - w e b i n a r s / > ( <> ) about how to use social media to jump-start your second career. You can also download a previous webinar about standing out in a crowded job market. Dave Bruns of Tallahassee is a spokesman for AARP Florida.

Financial From page 13

that you can ask when might be the right time for a raise, or when you can broach the subject again. Also, there is the opportunity to negotiate: If I cannot get a pay increase, are there any other benefits I can receive, such as better health insurance, gym membership, covered child care expenses, or some other benefit that isn’t financial? • Choose a good time for an appointment with your boss. Wait until deadlines are over or after your supervisor has returned from a vacation. You want an uninterrupted time to sit down and present your case when there will be no distractions. After all, you want him or her relaxed and in a good mood, which will only improve your chances of getting what you want. Asking for a raise can sometimes be uncomfortable. However, for employees who think they are going above and beyond at work, they should state their cases for a raise.

An exciting new publication From celebrating the active lifestyles of Florida’s boomers! 6 separate local editions, covering each county served by

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July 2012




After many email inquiries and numerous telephone calls to the missing Tanya’s, Bob’s and Patty’s; I, and others, were able to find quite a few members of our graduating class. We had a successful reunion that year. I have now been to three class reunions, the 20th, the 30th and the 40th. I’d like to add that I got up and played guitar with the band on our 40th reunion. Classmate Jack Simpson, now a minister, came up and thanked me afterward, saying “Mike, we were just glad that you were up there.” He had a strange tone. I guess my music

career wasn’t quite where I would have liked it to be. Along the way though, I joined a rock ‘n’ roll country band that had a MySpace page. I joined MySpace with a personal page and a band page online. Both are still there, and I go back there once in awhile and find myself there, usually having to give MySpace my aunt’s middle name or the name of my first dog or cat to prove who I am. ( What do people in the Witness Protection Program do to get online?) The strange thing about the World Wide Web is that once you put something on it, it never goes away … ever. If you can remember your user name and password you used (or have written it down), your page, or pages, will open up to you like

you had just left them yesterday, even 10 years later. It’s freaky! Understanding the space, time frame and depth of the Internet is like trying to understand the space, time and depth of the universe in which we live. For a word, it is “endless.” After MySpace, I followed the crowd and launched myself on There were mostly teenagers on it then, but us older people soon took it over for our own amusement and communication (and to keep track of our children). There, I connected with local friends, band friends, friends from high school and my hometowns, friends from college, from the military, my cousins, my nieces, my nephews, people I had met once or twice, politicians,

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launched into the Internet social media craze while I was working out of my home, writing newsletters on my company’s computer. To give you an idea when this was, I’ll just say that the hard drive on the PC had 3.2 gigs of memory, which is a far cry from even the Apple iPods on the market today. I had to erase the previous month’s newsletters each time to start new ones for the current month. There was no more space available. It was top-of-the-line then. It came in a box, colored black and white like a dairy cow. Members of my high school graduating class were looking for classmates for a reunion about that time. I paid a little money and joined was useful.

30 years experience in Ophthalmology serving the Treasure Coast

Robert H. Fier, M.D. Board Certified Ophthalmologist

1441 East Ocean Boulevard • Stuart (772) 286-0007 514 SW Prima Vista Blvd. • Port St. Lucie (772) 878-3437


Facebook From page 15

businesses, friends of friends of friends, and then some. Now businesses are taking over. I also played games on Facebook, a number of them. I was online every night for three or four hours, playing the games, scrolling down the pages to see what my Facebook friends and their friends were saying, adding comments and adding a few of my own missives, with or without being prompted. Most of the Facebook chatter was irrelevant to anything important and took up way too much of my time and energy to follow it all. Finally becoming disgusted, I dropped out of all the games first, set all my settings to “private” and logged off for good … for the last time. This left two problems. First,

FOREVER YOUNG I’m still there on my page and on my friends’ pages. I can go there tomorrow on my computer or phone, punch in my user name and password and get “Hello, Michael. Welcome back to Facebook.” Nothing will have changed. My Mafia Wars game account will still be there with my 504 luxury hotels, my 512 mega-casinos and my $20 billion a day income. The Russian and Brazilian Mafia will still be trying to do me in, and I will still be buying properties and flying to exotic places around the world without me even being there. Facebook life goes on! Second, everything I ever posted, commented on, discussed or ignored on Facebook is still there. My computer may be fried with no way to connect to the Internet or unplugged, but the information I had inputed and information put in about me will still be there, online, for anyone to view … since I am sure I did not

The Secret’s Out . . .


is the publication for your active lifestyle! Call today to receive your free subscription


July 2012

I have no desire to “follow” or “tweet” anyone or anything, and I’d rather not be “linked” into anything if I can help it. That’s just the way I am. I feel safer that way. update the latest privacy settings, since I was not there. (How much pressure is that to keep you online, protecting yourself?) In the meantime, I have had invitations to Twitter, Linked In and other social and business sites, but I have declined to join them. I have no desire to “follow” or “tweet” anyone or anything, and I’d rather not be “linked” into anything if I can help it. That’s just the way I am. I feel safer that way. I have exited out of our relationship, the one where you think you know me by what I have written or commented on in the mug shot, word river known as Facebook. Here is the problem: Longingly on your behalf, however, I find myself in an uncontrollable urge

several times a day to log back on to my Facebook reality. The thoughts come when I am at work, while driving home in my car or while watching TV at home in the evening. I feel I am hooked, like on cocaine, like on booze, like on cigarettes (Somebody call Smokestoppers.), like on heroin. Does anyone know of a 12-step program to rid themselves of the addiction called “Facebook?” I won’t go back. I can’t go back, but I really want to. I’m serious. Can you help me? This is tougher than quitting cigarettes. Michael G. Hibbard is the news clerk in the Brevard County office of Hometown News and a baby boomer.


July 2012

Running down a dream... M




Now that I am retired, our two kids are grown and my wife and I have enough financially to get by, I am finally doing what I had always intended. OK, maybe not the pro athlete part, but for the past seven years I have been writing a fishing column for Hometown News and they even let me write an opinion column called Land lines, plus a monthly entry in the Forever Young section. am finally doing what I had always intended. OK, maybe not the pro athlete part but for the past seven years I have been writing a fishing column for the Hometown News and they even let me write an opinion column called Land lines, plus a monthly entry in the Forever Young section. The fishing column keeps me on the water quite a bit and on occasion I have even done a little guiding. Life is good. I tell you my story because I believe that it may ring true with some of you. Many of us had a youthful dream that filled us with promise only to find out that the harsh realities of life caused us to take a detour. I am now living two thirds of my dreams because I pursued them later in life. I found See LAND LINES, 18


ore than a half century ago, I was a youngster with a lot of dreams. If anyone had asked me what I intended to do with my life my answer would have been immediate. I was surely going to be a professional athlete. After all I was a sports star in my little Louisiana hometown. As a left handed baseball pitcher I was scouted by the Houston Colt 45s of the National League. On the high school football team I played quarterback and defensive safety. On the odd chance sports did not happen for me I would be a writer. My third choice was professional fisherman. Just after high school I developed a rotator cuff injury in the shoulder of my strong left arm. No matter I thought, I can still play football and sure enough I was awarded a partial scholarship as a college safety. My major would be journalism. Just as the term began my knees gave way and with that I lost two of my dreams. As it turned out I didn’t have long to ponder my next move for I was drafted into Uncle Sam’s Army. At that time the service was rounding up all of the young men they could find for Vietnam and had little sympathy for my bad shoulder and knees. After my two-year stint I came home knowing I would become a commercial fisherman. That dream was interrupted when I received an offer of a construction job that I couldn’t turn down. In short order I was running my own construction company and my career as an athlete, writer or fisherman was gone but not forgotten. I put all I had into my business and did pretty well. Oh, I never stopped writing and always fished whenever I could but I was busy trying to make a living for my wife and two children. Now that I am retired, our two kids are grown and my wife and I have enough financially to get by, I




Land Lines From page 17

myself with the time to do the things that I enjoy and I went for it. As the postwar generation reaches the age of retirement it just might be the time to go back and revisit some of those youthful ambitions. OK, maybe we won’t be doctors or nurses but there are plenty other opportunities in health care. We may be a bit old to pursue a career as a policeman but there is lots of

July 2012

work around in security. At this late age chances of becoming a pro athlete are almost nil but a job at a ballpark, stadium or golf course could be fun and fulfilling. In your youth you may have planned to become a pilot. You could still do it. Flying lessons are not that expensive and the possibility of a job as a pilot is not so far fetched. If your dream was acting you could consider working at one of the many Central Florida theme parks. Did you know that every one who works for Walt Disney World from the young lady who portrays Snow White to the people who clean the side-

walks are referred to as “cast members?” For those of you whose dream it was to become a writer, this is a great time to begin. Everyone has a story to tell and with the modern technology self-publishing a book has never been easier. Once your book is out you will keep busy attending signings and other events where you might sell it. For those of you whose dream it was to write a fishing column, don’t apply to this paper. There is already an old guy pursuing a dream here.

D e a l s t h a t c a n’ t b e B E AT !


Come enjoy Labor Day weekend with us! Freshest Seafood in Volusia County

Coming Events September 10th Halifax Sport Fishing Club Inshore Tournament

September 17th “Taste of the Islands” Caribbean Food Drink Specials

Gift Shop Discounts Open 7 Days 4894 Front Street • Ponce Inlet


• Mrs. Claus’ Christmas Store • Nature’s Pocket • Red Rooster Café • Sail Away Surprise • Savanna Golf Club • Shawn Ramirez Academy Fore Golf • Sweet Creations by L.S. Young • The Green Mango • Tin Fish • Treasure Coast Boat Rentals • The Landing • The Saints Golf & 19th Hole • The Taste • Uncle Sam’s Brau Haus • US Sailing Center • Vic’s Pizza & Italian Restaurant • Wahoo’s Riverfront


• Bella Roma • Buckshot Bay • Cap’s Island Grille • Coastal Paddle Boarding • Coffman’s Tobacco • Connie’s Flowers • Custom Scenic & Dinner Cruises • Cowboys Steakhouse • Dee Stefano’s • Edible Arrangements • Energy Spa Salon & Tanning • Hayes Gourmets • Ian’s Tropical Grill • Joey’s Seafood Shack • Joseph’s Breakfast Tower • Luna Italian Cuisine • Mambo’s Cafe • Michelena’s


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July 2012



July 2012

Robert H. Fier M.D. Board Certified Ophthalmologist

Rebecca Grunbaum Bobo M.D. Trained in Comprehensive Ophthalmology

Over 30 Years Experience Providing The Treasure Coast Their Ophthalmology Needs

Kevin T. Kelly, M.D. Board Certified Ophthalmologist Fellowship Trained Retina Specialist

“At Fier Eye Care & Surgery Center our doctors and staff are committed to providing comprehensive eye care and surgery to all in a manner that emphasizes quality, consideration and efficient delivery of needed care.” Call us today to schedule an Evaluation:

Dr. Christopher Frey O.D.

Board Certified Optometrist

1441 East Ocean Boulevard • Stuart, FL 34996 • (772) 286-0007 514 SW Prima Vista Blvd. • Port St Lucie, FL 34983 • (772) 878-3437 Medicare Assignment Accepted

1441 East Ocean Boulevard • Stuart

514 SW Prima Vista Blvd. • Port St Lucie

(772) 286-0007

(772) 878-3437


• Eye Examination • Cataract • Glaucoma • Lasik • Dry Eye • Macular Degeneration


2 MARTIN County July 2012 HOMETOWN NEWS 025844

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