Lifestyles After 50 Lake/Marion Nov. 2012 edition

Lifestyles www.LifestylesAfter50FL.com • Lake/Marion • FREE

AFTER 50

November 2012

Welcome

B A C K to FLORIDA plus

+

Shake up the Holiday Table

What is Your Perfect Diet?

is Alive and Well

How to Deal with Snowbirdius Floridicus!

Dear Readers,

H

ere they come, ready or not! The species Snowbirdius Floridicus should be arriving in a Janice Doyle, steady stream startEditor ing right about—now!

License plates tell of their origins, but they’re all coming to the land of palm tree-lined driveways and warm weather. Bring them on, I say!

Those of us who endure the hot, sticky summer months are finally starting to get out. We’re eating on the back porch, taking walks without dripping and, well, here come the traffic jams, the crowded doctor’s offices. But wait! It also ENERGIZES our lifestyle and our economy. Yes, come on down, all you Snowbirds!

Wealthy Americans started making the trek south beginning in the early 1900s when railroad tracks were laid from Jacksonville to Key West, providing easy access to points south.

The likes of Thomas Edison arrived early on. It was after World War II when more middle-income people started to buy winter homes in Florida.

But the boom in Snowbirdius Floridicus came with Social Security benefits which were tied to inflation in the 1960s. With the advent of Medicare health benefits, the rest is history.

The latest study done by the University of Florida almost ten years ago showed that nearly one million people became temporarily Floridian, with Lee County at the top of the list for destinations within the state.

Who Are the Snowbirds?

Originally, “snowbirds” was a term for Canadians who, early on, purchased inexpensive land and built modest winter homes so they could spend up to six months in the Sunshine State but still retain their homeland residency.

Today, snowbirds come from all over—even from no farther than Atlanta or Birmingham—who just enjoy good friends, fun activities and beautiful stretches of beach.

For the busy locals who live here year-round, listen for complaints like “what’s with all the big cars and why do they drive so slow?”

But those who rely on the influx of cash that comes with the snowbirds often “baby” them because, well, that cash impacts everything from churches to veterans groups.

Clubs of all sorts exist only in the winter. Museums open new exhibitions to entice winter groups.

Golf clubs spend money and time getting the greens ready.

Friendships are big for snowbirds—connections and comaraderie.

Charities look forward to an influx of volunteers, snowbirds often are serving the needs of other snowbirds.

Put on a parade, a festival or a fundraiser and you’ll find snowbirds right in the middle of it.

What’s the best way to deal with snowbirds? Always remember that no matter what it is, they do it different, better, faster, cheaper and more accurately UP NORTH! As long as you can accept that fact, you get to stay in Florida year-round and they get to go back. Be patient with them, because you may visit UP NORTH in the summer and then you can tell them how much better, faster, cheaper and more accurately we do things here.

Snowbirds are a win-win situation.

Enjoy!

Congratulations!

To Jacqueline Frederick of Lakewood Ranch, winner of last month’s Guy Harvey Outpost contest. She won a coffee table book autographed by Guy Harvey, as well as an Outpost tote bag.

Thanks to everyone who entered— look for more great contests in upcoming editions of Lifestyles After 50!

Lake, Marion & Sumter Edition Published monthly by News Connection U.S.A., Inc General Manager Dave Tarantul dave@lifestylesafter50.com Publisher/Director of Events & Marketing Kathy J. Beck kathy@lifestylesafter50.com Editor Janice Doyle janice@lifestylesafter50.com Accounting/Office Manager Vicki Willis vicki@lifestylesafter50.com Production Supervisor/Graphic Design Kim Burrell kim@lifestylesafter50.com Production Assistant Tracie Schmidt tracie@lifestylesafter50.com Customer Service 1-888-670-0040 customerservice@lifestylesafter50.com

Advertising Sales 1-888-670-0040

Lake/Marion Rhonda Sakowski: (352) 812-5652 rhonda@lifestylesafter50.com Pinellas/Pasco Mike Heidemann: (727) 623-4006 Ken Barham: (727) 210-5120 Our other editions: Suncoast Edition: Pinellas/Pasco Counties Hillsborough Edition: Hillsborough County Sarasota Edition: Sarasota/Manatee Counties Southwest Edition: Lee/Collier and Charlotte To learn more, call 1-888-670-0040 Distribution 1-888-670-0040

News Connection USA, Inc. P.O. Box 638 Seffner, Florida 33583-0638 (813) 653-1988 • 1-888-670-0040 Fax: (813) 651-1989 www.lifestylesafter50fl.com

FCOA Attention Readers: The articles printed in Lifestyles After 50 do not necessarily reflect the opinion of the Editor or the staff. Lifestyles After 50 endeavors to accept reliable advertising; however, we cannot be held responsible by the public for advertising claims.

Lifestyles After 50 reserves the right to refuse or discontinue any advertisement. Our advertising deadline for the Dec. 2012 issue is Nov. 15, 2012. Magazines are out by the 7th of each month. All rights reserved.

Lifestyles After 50 • November 2012 • page 2

People on Medicare...

We Exercise Our

FREEDOM Hector Montes, Member of Freedom VIP Savings (HMO-SNP) Plan

to Choose!

• $0 Plan Premium on most plans(1) • $0 Primary Care Visits LAKE

IHOP Restaurant 2589 South Highway 27 Nov. 5, 12, 21, 26 at 2:30 pm Nov. 27 at 11:00 am

Lady Lake

Perkins Restaurant 905 Bichara Blvd.

Nov. 5 at 3:00 pm Nov. 28 at 9:30 am

Leesburg

FPG Senior Center 801 East Dixie Ave. Ste. 101 Nov. 20 at 2:00 pm

35

50to$

99

90

of your Part B premium Refunded back to YOU each month!(1)

Jeanne Martineau, Member of Freedom VIP Savings COPD (HMO-SNP) Plan

Plus... Enjoy our OTC program!

Benefits & Savings You Can Use Everyday!

Clermont

$

Plans with:

• $0 Co-pay for Tier 1 Preferred Generic Prescription Drugs. Some plans have $0 or $5 co-pay for Tier 1 through the Coverage Gap. • Fitness Club Memberships(2) • Dental, Vision & Hearing Benefits(2)

Monthly Allowances based on Plan Selection from

$10 to $50(2)(3) That’s between

$120 TO $600 IN SAVINGS OVER THE COURSE OF A YEAR!

Join us to learn more about Freedom Health HMO-SNP Plans Leesburg cont.

IHOP Restaurant 10332 US Hwy. 441 Ste. 101 Nov. 1, 7, 15, 26 at 9:30 am Nov. 13, 27 at 11:30 am Nov. 14 at 12:30 pm Nov. 23 at 2:30 pm Nov. 30 at 11:00 am

The Villages cont.

Ocala cont.

Pasta Faire 10401 SE US Hwy. 441 Nov. 1, 14 at 9:30 am

Tavares

Summerfield

Logans Roadhouse 2621 SW 19th Ave. Rd. Nov. 6 at 3:00 pm Nov. 16 at 11:00 am Nov. 29 at 2:30 pm

Ocala

Laroccos Restaurant 5545 E Silver Springs Blvd.

Nov. 6 at 3:00 pm Nov. 21, 28 at 2:30 pm

Perkins Restaurant 27811 Highway 27 Nov. 9, 16 at 3:00 pm

Holiday Inn 3601 West Burleigh Blvd.

Nov. 2 at 10:00 am Nov. 14 at 9:30 am Nov. 20, 28 at 2:30 pm Nov. 27 at 3:00 pm

The Villages

MARION

Perkins Restaurant 4110 Wedgewood Lane Nov. 12 at 11:00 am Nov. 29 at 2:30 pm

Belleview cont.

Applebees 1009 Bichara Blvd.

Nov. 28, 29 at 9:30 am

Belleview

Cals Place 11007 SE 66th Terrace Nov. 2, 9, 23 at 11:00 am Nov. 5, 12, 29 at 9:30 am

Attend one of our events and receive a $10 Gift Card with no obligation to enroll.

Taverna Red 16770 S US Hwy 441 Ste. 608 Nov. 1, 5, 12, 15, 19 at 2:30 pm Holiday Inn 3600 SW 38th Ave. Nov. 7, 8, 15, 19, 26, 28 at 9:30 am Nov. 13, 30 at 11:00 am Nov. 16 at 2:00 pm Nov. 20 at 2:30 pm

1-866-484-1564

www.freedomhealth.com

Dates

Silver Springs

Dunnellon

Bentleys Restaurant 11920 North Florida Ave. Nov. 8 at 2:30 pm Nov. 16 at 3:00 pm Nov. 21 at 9:00 am

TTY/TDD

SUMTER Bushnell

Beef O' Bradys 2586 W County Rd. 48 Nov. 9 at 11:30 am

Wildwood

Beef O’ Bradys 840 South Main St. Nov. 1 at 2:30 pm Nov. 2 at 3:00 pm Nov. 6, 27 at 12:00 pm

Call Now

1-800-955-8771 Days

Times

October 1, 2012 to February 14, 2013 7 days a week 8 a.m. to 8 p.m.

February 15, 2013 to September 30, 2013 Monday through Friday 8 a.m. to 8 p.m.

October 1, 2013 to December 31, 2013 7 days a week 8 a.m. to 8 p.m.

Freedom Health is a Coordinated Care plan with a Medicare contract and a contract with the Florida Medicaid program. Freedom plans available are HMO- and HMO-SNP. The benefit information provided is a brief summary, not a complete description of benefits. Benefits, formulary, pharmacy network, premium and/or co-payments/ co-insurance may change on January 1 of each year. Premiums, co-pays, co-insurance, and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details. This plan is available to anyone who has both Medical Assistance from the State and Medicare. (1) You must continue to pay your Medicare Part B premium. (2) Limitations, copays and restrictions may apply. (3) Amount varies by plan and county. A sales person will be present with information and applications (enrollment begins OCT. 15th); For accommodations of persons with special needs at sales meetings call 1-888-796-0946. TTY/TDD 1-800-955-8771.This information is available for free in other languages. Please contact our customer service number at 1-800-401-2740, TTY/TDD: 1-800-955-8771 for additional information. Esta infomación está disponible gratuitamente en otros idiomas. Por favor llame al departamento de servicio de miembros al 1-800-401-2740, TTY/TDD: 1-800-955-8771 para más información.

5427_News1_CMS Accepted Lifestyles After 50 • November 2012 • page 3

Music for Enjoyment Arts and Crafts Events 17

16

“Sounds of the Season” holiday favorites by Ocala Symphony Orchestra.

6:30 p.m. $15. Queen of Peace Catholic Church, Ocala.

18 at St. Mark the Evangelist Roman Catholic Church, Ocala. For more information, call (352) 351-1606.

– 18 “Elvis Lives” reflection of the musical life of Elvis Presley. $16. Savannah Center, The Villages, Lady Lake. (352) 753-3229.

16

– 18 “The Great American Songbook.” Musical Theater Performance. November 16 and 17 at 7:30 p.m., November 18 at 3 p.m. Fine Arts Center at CF, Ocala. More info at (352) 873-5810.

16

– Dec. 9 “Plaid Tidings,” a holiday edition of “Forever Plaid.” Bay Street Players at the State Theatre, Eustis. (352) 357-7777.

16

– Dec 15 “The Winter Wonderettes.” Sonnetag Theatre at the Icehouse, Mount Dora.

Tickets and info at (352) 383-4616.

19

“Opera Thunder” by Central Florida Lyric Opera. Music of Broadway, American songs, jazz, Italian masterpieces. Admission: $28/ adults, $25/seniors. Fine Arts Auditorium at Lake/Sumter Community College, Leesburg. (352) 753-3229.

29

CF Wind Symphony and CF Patriot Singers performance.

7:30 p.m. Free admission. Fine Arts Center at Central Florida College, Ocala. Call (352) 873-5810.

Lifestyles After 50 • November 2012 • page 4

10

A 10

Craft and Bake Sale Rolling Greens Clubhouse, 1415 W. Gleneagles Rd., Ocala. Details at (352) 694-1999.

ll events are 9 a.m. to 2 p.m.

Art Fair at Fox Run Manufactured Home Park, 440 Fox Run Blvd., Tavares. (352) 508-5307.

17

Royal Highlands Fall Craft Faire.

Hwy 27 and Monarch Blvd.

Leesburg. (352) 787-7408.

10

Arts and Crafts Fair at Hawthorne of Leesburg, Hwy. 27 south of Lake Harris. (352) 787-0888.

Art Showings

T

hrough Nov. 25 “An Artist’s Eye for Crime:” The Art of Barbara Maxwell. Area courtroom artist Barbara Maxwell opens her portfolio. Lake Eustis Museum of Art, Eustis. (352) 483-2900.

T

hrough Late 2013 Museum Exhibit. “New World Treasures: Artifacts from Hernando De Soto’s Florida Exploration.” Rare early 16th

Century Spanish artifacts discovered in Marion County. Appleton Museum of Art, Ocala. (352) 291-4455.

3

through Dec 31 “The Nature of Things:” The Art of Ed Smith.

21 large scale oil paintings depicting wildlife’s struggle to survive with the modern world. Appleton Museum of Art, Ocala. (352) 291-4455.

Around Town

W H AT ’ S H A P P E N I N G N O V E M B E R 2 0 1 2

W

ednesdays Live music, dancing, Branson star Trey Deec & and Bontempos. 7 p.m. Windhorse Theatre, Eustis. $7 admission. For more info, call (352) 223-3256.

T 8

hrough 25 Theatre production of “A Christmas Story.” Ocala Civic Theatre. (352) 236-2274.

Taste of Tavares. Local restaurant food, live entertainment. Tickets: $25. Elks Lodge, Tavares. 5:30 to 8:30 p.m. (352) 343-2531.

9

Chamber Casino Night. Blackjack, Texas Holdem, slot machines, roulette and more. American Legion, Lady Lake. (352) 753-6029.

9

and 10 Lake Eustis Fine Wine Festival. Over 100 wines along with wine and food pairings, live music and more. Ferran Park, Eustis.

(352) 357-8555 or eustiswinefest.com.

9

through 11 Holiday Open House.

Wine, food, arts, crafts, live music. Free admission. Lakeridge Winery, Clermont. Call (352) 394-8627.

10

Food Truck-n-Flick Night.

5:30 to 9 p.m. Food trucks; free screening of “How to Train Your Dragon.” Bring lawn chair. Downtown Leesburg. (352) 365-0053.

11

West-MUTT-Ster Dog Show.

Noon to 4 p.m. Variety of contests. $1 per car admission. Lake County Fairgrounds, Eustis. Info: (352) 589-7400 or humanelake.com.

12

and 13 Entertainment Series.

7 p.m. New Horizons Concert Band Fall Concert. A concert of tunes from the best loved musicals from the 1920’s to 2005. Tickets: $12 and $17. Savannah Center, The Villages, Lady Lake. (352) 753-3229.

15

Classic Comedies Video Series. 2:30 to 4:30 p.m.

Free admission. Tavares Civic Center. Details at (352) 742-6204.

15

through 17 16th Annual Ocala Storytelling Festival.

To be held at different venues; for a complete schedule, visit their website at ocalastorytelling.org

17

Satisfaction: International tribute to the Rolling Stones. $15 to $28. Circle Square Cultural Center, Ocala. (352) 854-3670.

18

The Menorcans, A Story of Survival, presentation including ties to Marian County today.

Menorcan refreshments. Marian County Museum of History and Archeology, 307 SE. 26th Terrace, Ocala.

2 p.m. Information at (352) 236-2790.

22nd AnnuAl HolidAy open House

Free Admission, Live music, Artist & crAFters, Food & Wine nov. 9th (10:00 p.m. - 5:00 p.m.) nov. 10th (10:00 p.m. - 5:00 p.m.) nov. 11th (11:00 p.m. - 5:00 p.m.)

Wine & CHoColAte FestivAl $2 donAtion to beneFit the AmericAn heArt AssociAtion dec. 8th (10:00 A.m. - 5:00 p.m.) dec. 9th (11:00 A.m. - 5:00 p.m.)

27

– 30 Theatre production of “White Christmas.” Tickets: $22 and $27. Savannah Center, The Villages, Lady Lake. (352) 753-3229.

29

Wreaths of Hope. 6:45 p.m.

Display of all occasion wreaths, hors d’oeuvres, entertainment and more. $3. The Bridge at Ocala. (352) 873-2036.

30

Christmas Walk. 6 to 9 p.m.

Holiday street party with music, kids’ activities, Santa and more. Downtown Mount Dora. For details, call (352) 383-2165.

30

Christmas Shop Hop and Wine Walk, downtown Leesburg.

5 p.m. Browse the shops as you are serenaded by Dickens’ style carolers. Ticket holders will receive a glass of wine at every stop on the wine walk map. Downtown Leesburg. Information (352) 435-9107.

30

through December 16 Theatre production of “She Loves Me.” Melon Patch Theatre, Leesburg.

Tickets and info: (352) 787-3013.

Send Around Town news to News Connection USA, Inc., P.O. Box 638, Seffner, FL 33583; fax (813) 651-1989 or email janice@lifestylesafter50.com.

News must be received by the 10th of the month prior to event (i.e.

November 10 for December event.)

Lifestyles After 50 • November 2012 • page 5

Eenie, Meenie, Miney Mo…Get Your Weight Nice and Low! L

ow fat, low carb or Mediterranean: which diet is right for you?

Losing weight sometimes takes experimentation. Genes, family, your environment—even your friends— influence how, why, what and how much you eat, so don’t get too discouraged or beat yourself up because a diet that “worked for everybody” didn’t pay off for you. Try another.

Here’s a look at three common diet approaches:

and eating more that are full of carbohydrates, especially water-rich fruits and vegetables. Still, such a diet tends to be less filling and flavorful than other diets, which lessens its long-term appeal and may lead to eating highly processed carbs which sabotages your weight-loss plan.

Low carbohydrate: Quick weight loss but long-term safety questions Eating carbohydrates boosts blood sugar, triggering an outpouring of Low fat: Doesn’t taste great insulin from the pancreas. The surge …and is less filling of insulin can rapidly drop blood Low-fat diets were shoved aside sugar, causing hunger. Limiting by the low-carb frenzy. But healthy carbs in favor of protein and fat is fats can actually promote weight supposed to prevent the insulin surge loss, and some fats are good for and make you feel full longer. the heart; eliminating them from To make up for the lack of carbohythe diet can cause problems. drates in the diet, the body mobilizes its Since fat contains nine calories per own carbohydrate stores from liver and gram while carbohydrates contain muscle tissue. In the process, the body four, you could theoretically eat also mobilizes water, meaning that the more without taking in more calories pounds shed are water weight which RAO General Practice_MatureLifestyles.pdf 1 3:14 PM by cutting back on fatty foods tends to10/1/12 slow and reverse after a while.

The American Heart Association cautions people against following the Atkins diet because it is too high in saturated fat and protein, which can be hard on the heart, kidneys and bones. Most experts believe that the South Beach and other less restrictive low-carbohydrate diets offer a more reasonable approach.

Mediterranean style: Healthy fats and carbs with a big side of fruits and vegetables Good fats are the monounsaturated fats found in olive oil and other oils, and the polyunsaturated fats found in fish, canola oil, walnuts, and other foods. Saturated fat and trans fat are the bad guys. Mediterranean diets tend to have a moderate amount of fat, but most of it comes from healthy fats.

The carbs in Mediterraneanstyle diets tend to come from unrefined, fiber-rich sources like whole wheat and beans.

These diets are also rich in fruits and vegetables, nuts, seeds, and fish, with little meat and cheese.

People living in Mediterranean countries have a lifestyle that includes lots of physical activity, regular meal patterns, wine and good social support, which is believed to help reduce cardiovascular risk and the development of diabetes.

Make your own

A good diet should be as good for your heart, bones, brain and colon as it is for your waistline. Such a diet won’t give you a quick fix but offers a lifetime of choices that will be good for all of you, not just parts of you.

Successful weight loss depends largely on becoming more aware of your behaviors and starting to change them through learning new skills.

RADIOLOGY ASSOCIATES OF OCALA

For everyone counting on you, count on RAO When choosing an imaging center, you want the assurance that you’ll receive fast, accurate detection, the most advanced technology, and experts trained to catch the finest details. From MRI, high-resolution PET/CT, digital mammography and stereotactic breast biopsy to pain injections, stents and treatments for leg veins and back pain, RAO imaging centers are devoted to you and your loved ones every step of the way.

Our experience and dedication have made RAO’s board-certified doctors the area’s only radiologists with hospital privileges at Munroe Regional Medical Center, Ocala Regional Medical Center, and West Marion Community Hospital, so whether you need in- or outpatient care, you’re always in the thoughtful hands of leading local experts.

The accuracy of experts. The caring of neighbors.

Our specialists are committed to your care. (below, left to right)

Rolando E. Prieto, MD; Wendie K. Moore, MD; Ralf R. Barckhausen, MD; John D. Boon IV, MD

RADIOLOGY ASSOCIATES OF OCALA, P.A.

WOMEN’S IMAGING CENTER | TIMBERRIDGE IMAGING CENTER

(352) 671-4300 • www.RAOcala.com We contract with a wide range of networks, including Medicare, Medicaid, and file all claims with the exception of non-contracted HMOs.

Lifestyles After 50 • November 2012 • page 6

deserve more I ______________.

WellCare is here.

WellCare is here with extra benefits beyond original Medicare. Our variety of Medicare Advantage plans help you get the right care at little or no cost. Speak with a WellCare Representative today to learn how you might qualify for extra help at no extra cost. Along with our dedication to personal service, we offer great benefits like: • $0 monthly plan premium • $0 or low co-payments • Prescription drug coverage

• Dental, vision and hearing coverage • FREE fitness center membership • FREE rides to your doctor and the pharmacy

• FREE preventive-care screenings • FREE over-the-counter health items

Medicare Advantage Enrollment is now open! Start talking today.

Call 1-877-890-9064 | TTY 711 8 a.m.–8 p.m., 7 days a week. | www.JoinWellCare.com Find out more at an event in your area.

$10 Contact us today to learn how to get a FREE $10 Walgreens Wellness card.

Wellness Card

Also honored at Duane Reade.

47919 72918

WellCare is a Medicare Advantage organization with a Medicare contract. The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan. Limitations, co-payments and restrictions may apply. Benefits, formulary, pharmacy network, premium and/or co-payments/co-insurance may change on January 1 of each year. You must continue to pay your Medicare Part B premium.

If you meet certain eligibility requirements for both Medicare and Medicaid, your Part B premiums may be covered in full. Some plans are available to those who have medical assistance from both the state and Medicare.

Premiums, co-pays, coinsurance and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details. WellCare uses a formulary. A sales person will be present with information and applications. For accommodation of persons with special needs at sales meetings, call 1-877-890-9064 (TTY 711). A variety of Medicare Advantage, Part D and Special Needs plans may be discussed. There is no obligation to enroll. Limit one per person. Please contact WellCare for details.

Y0070_NA019939_WCM_ADF_ENG CMS Accepted 08272012 ©WellCare 2012 AA01 FL069_LAKE 11/1/2012 NA_08_12 J47837_7_W47919_AA01_10x9.8125_ENG_NE_WG_LSA5_11012012_72918.indd 1

Lifestyles After 50 • November 10/4/12 2012 •2:39:09 page PM7

Ocali Country Days Coming!

G

et ready to visit the Florida of Yesteryear Nov. 10 – 11 when the Silver River Museum presents traditional folk skills demonstrations, music, crafts and characters from the 1800s.

Bluegrass and old-time musicians will perform both days. Vendors will also offer unique crafts and food for sale.

Old time skills to witness include log cabin building, sugarcane syrup making, an authentic old-time telegraph station, blacksmithing and gemstone mining Characters like cowboys, pioneers, trappers and Civil War soldiers will be on hand to visit.

Lifestyles After 50 • November 2012 • page 8

Silver River State Park is located one mile south of SR 40 on Baseline Road (CR 35). For information, call the museum at (352) 236-5401 or online at SilverRiverMuseum.com.

A daily dose of Medicare copay savings.

Target Pharmacy is a Medicare Part D Preferred Network Pharmacy for: ®

– AARP MedicareRx Plans, insured through UnitedHealthcare – Coventry Health Care ®

– Florida Blue, Florida’s Blue Cross and Blue Shield Plan Members of one of these Part D plans could save money by filling their prescriptions at a preferred pharmacy, like Target Pharmacy, in 2013.

Medicare open enrollment ends December 7.

To learn about all the services we offer, stop in to any Target Pharmacy, call us at 1-877-798-2743 or visit Target.com/pharmacy.

Members may use any pharmacy in the network, but may not receive Preferred Pharmacy network pricing. Target Pharmacy accepts other Part D plans. Target Pharmacies are not located in all Target stores, hours vary by location, services of pharmacist may not be available at all times when Target stores are open. Free translation services available. ©2012 Target Stores. Target and the Bullseye Design are registered trademarks of Target Brands, Inc. All rights reserved. 112103 IR_PDPSPRJ11403_000 Promo #112103

TGA120234_112103_AdvNetworks-ROP-J-2 1

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Lifestyles After 50 • November 2012 • page 9

SEP: Printer/Mfg:

Market: J-2: FLORIDA MATURE LIFESTYLES10/4/12 AFTER 6:2050 PM

Periscope Name

We Salute america’S VeteranS

Veterans Corner

Questions and Answers about Veterans Day

Q

Did you know that VA benefits may apply to assisted living?

If you are a veteran or a surviving spouse of a veteran, you may be eligible for generous senior living benefits. Brookdale Senior Living® is making it easier for you to apply for and receive special benefits for our exclusive senior living accommodations.

2012 Benefits For 2012, the maximum monthly pension amounts are...

• Veteran . . . . . . . . . . . . . . . . . . . . . . . . . . $1,704 • Surviving Spouse . . . . . . . . . . . . . . . . . . $1,094 • Veteran and Spouse . . . . . . . . . . . . . . . $2,020*

* Actual benefit amount is determined and awarded by the VA based on eligibility.

Visit www.brookdaleliving.com for more information and to find a community near you.

Your story continues here... ® Reg. U.S. Patent and TM Office FLCW-RES11-1012-VH

W W W. B R O O K D A L E L I V I N G . C O M Lifestyles After 50 • November 2012 • page 10

. Which is the correct spelling of Veterans Day? a. Veterans Day b. Veteran’s Day c. Veterans’ Day A. Veterans Day (choice a, above).

Veterans Day does not include an apostrophe but does include an “s” at the end of “veterans” because it is not a day that “belongs” to veterans, it is a day for honoring all veterans.

Q. On what day of the week will

Veterans Day be observed?

A. Veterans Day is always observed officially on November 11, regardless of the day of the week on which it falls. The Veterans Day National Ceremony, like most ceremonies around the nation, is held on Veterans Day itself. However, when Veterans Day falls on a weekday, many communities choose to hold Veterans Day parades or other celebrations on the weekend before or after November 11 so that more people can participate.

Q. Who decides if a government

office or business closes or stays open on Veterans Day? A. Federal government closings are established by the U.S. Office of Personnel Management (OPM). State and local governments, including schools, are not required to follow OPM closure policies. Likewise, nongovernment businesses are free to make their own decisions to close or remain open for business, regardless of federal, state or local government closings.

A. Memorial Day is a day for

remembering and honoring military personnel who died in the service of their country, particularly those who died in battle or as a result of wounds sustained in battle. While those who died are also remembered, Veterans Day is the day set aside to thank and honor ALL those who served honorably in the military—in wartime or peacetime. In fact, Veterans Day is largely intended to thank LIVING veterans for their service, to acknowledge that their contributions to our national security are appreciated, and to underscore the fact that all those who served—not only those who died —have sacrificed and done their duty.

Q. Why are red poppies worn on Veterans Day, and where can I obtain them?

A. The wearing of poppies in honor of America’s war dead is traditionally done on Memorial Day, not Veterans Day. The practice of wearing of poppies takes its origin from the poem “In Flanders Fields,” written in 1915 by John McCrae. For information on how to obtain poppies for use on Memorial Day, contact a veterans service organization, such as the Veterans of Foreign Wars of the United States (VFW) or The American Legion.

Q. Is Veterans Day celebrated

in other countries?

A. Yes, a number of countries honor their veterans each year on November 11, although the name and types of commemorations differ somewhat from Veterans Day Q. Why do some schools close and oth- celebrations in the United States. ers remain in session on Veterans Day? For example, Canada and Australia observe “Remembrance Day” on A. Because there is no legal require- November 11, and Great Britain ment that schools close on Veterans observes “Remembrance Day” on Day, individual states or school the Sunday nearest to November 11. districts are free to establish their If you’re a veteran, we say “Thanks own policies on school closings. for your service.” Veteran or not, if Q. What is the difference between at all possible, find a way to honor Veterans Day and Memorial Day? veterans this November 11.

“The Veteran” Teaches Lesson in Courage

BY NAN ROCHE

W

ars have always resulted in stories of heroism and courage. Old soldiers are known for sitting around telling stories, but often their real heroism comes from lessons learned on the battlefield.

Set in the aftermath of the Civil War, Stephen Crane’s short story “The Veteran” tells the heroic tale of an old soldier and his grandson. Although, this tale is simple in its form and plot, it expresses a deep and powerful message concerning courage.

The tales begins with the grandfather, Old Henry, retelling the story of his first encounter with war. Rather than telling a tall tale about his first battle experience, he tells the truth. “Why, in my

first battle I thought the sky was falling down. I thought the world was coming to an end. You bet I was scared.”

The crowd he tells his story to is amazed that a grown man and former soldier would acknowledge his fear. Old Henry goes on to explain what happened because of his fear: he ran away from the fighting.

Even though the crowd accepted the Old Henry’s words with a bit of humor, Old Henry’s grandson Jim did not. He was “visibly horror-stricken.

His hands were clasped nervously, and his eyes were wide with astonishment at this terrible scandal of his most magnificent grandfather telling such a thing. His grandfather had just openly admitted to cowardice in front of the townspeople.

Confused by his grandfather’s admission, young Jim inquires into his grandfather’s actions. Old Henry’s response to his grandson was, “I had to get used to it.”

Crane’s lesson is that courage does not come naturally to everyone; sometimes it has to be learned through experience.

Jim continues to be perplexed by his grandfather’s words and actions.

The story continues with a tragic barn burning. Old Henry realizes the livestock in the barn are trapped there.

Instead of sitting back and watching the barn burn like the rest of the crowd, Old Henry jumps into action. He runs into the barn to set the animals free. Inspired by the old soldier, others join in to save the barn and together they manage to free all but one cow and two colts.

Old Henry even saves the life of the man who caused the fire. Even though badly singed by flames, Henry still attempts a final rescue, the little colts in the back stall. Tragically, Old Henry never returns from the fiery barn.

Although Crane leaves the story with this ending, the moral of his tale is not lessened but rather increased

by Old Henry’s death. Through his selfless actions, Old Henry was able to demonstrate a powerful lesson for his grandson. A coward can learn courage, courage can inspire others and courage when practiced makes a hero, even in death.

Many veterans have learned lessons of courage from those who fought in battles, especially those who died there.

The American Legion and

and

This Publication

join in saluting our military veterans of all wars this November 11th - and every day. Thank you for serving America with honor, courage and commitment.

Veterans Day 2012 The American Legion - Veterans Still Serving America

Lifestyles After 50 • November 2012 • page 11

Build A Social Support Core To Maximize Fitness and A Healthy Lifestyle

BY WALTER URBAN

President and owner of Urban Dynamics Inc., a consulting company. www.urbandynamics.net

I

have been training in the gym for about 17 years and competing at a national and international level for almost 15 years. Over this time I have come to value the need to surround myself with a core social support system that embraces and encourages my efforts to maximize my progress and longevity in fitness and a healthy lifestyle. Over the years, my “core” social support group has been composed of my wife, daughters, co-workers, clients and friends.

Health Whether you’re a regular in the gym or a weekend warrior who wants to get back into shape, finding and maintaining core support is a huge asset. As you get older, it’s even harder to maintain the stamina of earlier years. Core

support fills in the gaps when motivation fatigue and boredom hit you.

A number of studies from respectable health organizations reinforce the notion that “social” influence and support can play a big role in fitness and exercise. The key point is that you will do more if you obtain positive outside social core support.

Places to seek out “core” support: Training Partners: Seek out others who are exercising to round out your support system. Working out with a partner helps you stay motivated. Find someone who does similar workouts and goes to the gym or attends the same classes that you do. You can push each other when you are at low points and enjoy successes when you are both peaking.

Partnerships often extend well beyond the gym to social surroundings.

Lifestyles After 50 • November 2012 • page 12

Family: You normally spend more of your “free time” with family than any other group, making family support paramount. While you are at home and not doing exercise, you and your wife, girlfriend or other members of your family can work together to live a healthier lifestyle. This can include taking your whole family to the gym, going on walks or cycling.

Personal Trainers: If you can afford it, a personal trainer is the best way to reach or exceed your fitness goals.

A personal trainer will also be able to correct your form and give you tips to make your workouts as successful as possible. He or she will be mental support as well when you just don’t have the motivation to exercise.

Social Media: Sounds crazy, but Facebook and

Twitter are outlets that allow you to join online fitness groups and even possibly find training partners. Don’t underestimate this online medium.

Doctors: Doctors will be able to give you limited suggestions about your exercise routine but can point out anything you are doing that could be bad for your body. Make sure that you visit your doctor regularly to chart your health and also check with him or her when you drastically change your fitness program.

Remember, there is power in numbers, so get as much support whenever or wherever you can.

To find more information on Walter Urban and his World and National records please visit walterurban.com.

Author Walter Urban set a new Guinness World Weightlifting Record on Sept. 29. The 54-year-old broke the record for the “Heaviest Sumo Dead lift in one minute” - lifting 10535 LBS in 60 seconds. Walter lifted a 215 lb weightlifting bar 49 times over the 60 seconds for the 10535 lbs and the new record.

Take Five!

Jazz Is Alive and Well on the West Coast of Florida

BY JANICE DOYLE

L

ouis Armstrong, Ella Fitzgerald, Miles Davis, Dizzy Gillespie.

Just a few of the names that made jazz an American household word.

Jazz—the only original American art form—originated at the beginning of the 20th century in black communities in the southern U.S. From its birth in a mix of African and European music traditions, jazz is now being embraced by music lovers of all ages and from multiple cultures.

And the record industry where jazz made its name might be dead, but jazz itself is very much alive.

For many people, the word jazz evokes a singer in a bar, club, restaurant or hotel, reworking the old standards. It’s tied in memory to the cultures that gave it rise: its native New Orleans from the early 1920s, big band swing and Kansas City jazz. And there’s Harlem where the sounds of Duke Ellington, Benny Carter, Charlie Parker, Count Basie, John Coltrane and Billie Holiday reverberated through the streets. There were soul jazz, jazz fusion, smooth jazz and more.

Electronics changed everything, and finally, in the seventies, jazz lost much of its popularity and “took a nose dive,” according to a jazz historian.

It looked like jazz was destined to be a memory.

Al Downing (1940 - 2005): Tuskeegee Airman, jazz musician, teacher, St. Petersburg resident and founder of the Al Downing Florida Jazz Association.

But, as jazz trombonist J.J. Johnson said in 1988, “Jazz is restless. It won’t stay put and it never will.” Jazz didn’t stay down for long.

What it is The music form came back and entices younger generations to use their instruments for both Sousa marches and jazz because jazz lets them improvise. Older folks might say jazz has to be music you can tap your foot to and dance. Still others want their jazz “to have swing, be soulful,” feeling the blues of an African American church in it somewhere—the notes that put a “moan” or “shiver” in John Coltrane’s solos.

And free jazz, or improvised music, incorporates all kinds of electronics.

West coast Florida jazz clubs are in full swing this month and jazz festivals will continue to draw crowds all season. What’s it all about?

What is all that jazz anyway?

In jazz, the skilled performer interprets a tune in very individual ways, never playing the same composition exactly the same way twice. Depending upon the performer’s mood and personal experience, interactions with other musicians, or even members of the audience, a jazz musician/performer may alter melodies, harmonies or time signature at will.

Mark Feinman, president of the Al Downing Jazz Association in St. Pete, says jazz is a tradition, passed down from generation and that’s the way to learn it—just as generations learned from

The Dave Brubeck Quartet.

the legendary Al Downing.

Today, jazz can be found in both conventional and unconventional places. All the colleges and universities in area promote jazz programs.

It’s found in jam sessions and concerts and in huge festivals which bring in big name jazz musicians.

“Take Five” is a jazz piece written

by Paul Desmond and performed by The Dave Brubeck Quartet on their 1959 album Time Out. It became famous for its catchy saxophone melody, a jolting drum solo and the use of the unusual quintuple (5/4) time, from which its name is derived. The song was first played to a live audience by The Dave Brubeck Quartet at the Village Gate nightclub in New York City in 1959.

“Take Five” has been included in countless movies and television soundtracks, and still receives significant radio play.

It was the theme music for the NBC “Today” program in the early 60s.

Listening to jazz Feinman educates both children (by going into schools) and adults in listening to jazz. “There’s no wrong or right way to listen to jazz,” Feinman says.

He says some listeners enjoy focusing on what a musician is doing, watching all his movements as he plays. Other people just listen because it feels right.

They become a part of community as a whole with the artists who share their music on the stage and their passion for the people who are listening.

If you go to a traditional, classical show, Feinman said, you appreciate that they’re getting it all right—the lights, the sounds—it’s all a part of the ticketed price. “But with jazz you’re involved in the experience.”

Instruments in jazz vary from two players to a full 22-piece big band.

There’s the stereotypical drum, piano, upright bass; the trumpet, sax and trombone. Jazz is now global, and there are strings, oboes, a French horn, baritone, and more, all of which are “widening the palate and colors of jazz.”

Forty years ago popular jazz musicians like Bill Evans listened to Debussy and Chopin and incorporated jazz standards with the harmony of Debussy.

On today’s jazz scene, South American salsa melodies and rhythms are incorporated with jazz’s improvisation.

Or, classic South Indian raga melodies mix with more modern instruments and harmonies. “It goes under the umbrella of jazz because they’re improvising with their rhythms and harmony.”

Feinman has a student from China who incorporates his ancient Chinese music into America’s only original art form – jazz.

If you take in a jazz festival in the area, Feinman says, “You’ll find ways to challenge your ears. The festival planners will be presenting what they feel comfortable with and what they have faith in offering as representing good jazz.”

So, challenge your ears at one of the area’s many jazz opportunities.

It’s the American way!

Lifestyles After 50 • November 2012 • page 13

The Great Cholesterol Myth the people with elccording to the authors evated cholesterol have A of The Great Cholesterol perfectly healthy hearts.

Myth, lowering your cholesterol won’t prevent heart disease— but they have a plan that will.

Heart disease is the #1 killer in North America, claiming the lives of thousands of people annually. As doctors work to fight this deadly disease, recent research has created concerns about how we’ve been treating it.

Authors Jonny Bowden, Ph.D. and Stephen Sinatra, M.D. say the emphasis on lowering cholesterol is all wrong, and has been the entire time!

In their book, the authors say these are the facts: • Cholesterol is harmless and is only a minor player in heart disease.

• Cholesterol levels are a poor predictor of heart attacks.

• Half the people with normal cholesterol have heart disease while half

At Last, An Explanation:

E

ver walk into a room with some purpose in mind, only to completely forget what that purpose was? Turns out, doors themselves are to blame for these strange memory lapses.

Psychologists at the University of Notre Dame have discovered that passing through a doorway triggers what’s known as an event boundary

Lifestyles After 50 • November 2012 • page 14

in the mind, separating one set of thoughts and memories from the next.

Your brain files away the thoughts you had in the previous room and prepares a blank slate for the new locale. It’s not aging, it’s the door!

Whew! Thank goodness for studies like these!

• The true cause of heart disease is inflammation.

• The number one dietary contributor to heart disease is sugar, which is a far greater danger to your heart than fat.

• New studies suggest that statin drugs may be associated with a higher risk for cancer and diabetes.

The doctors urge readers to take a closer look at their eating habits and the steps to take to protect their hearts.

They feel that the standard prescriptions for lowering cholesterol and fighting heart disease (such as side-effect-causing statin drugs), actually obscure the real causes of heart disease.

To learn more, read The Great Cholesterol Myth by Jonny Bowden, Ph.D. and Stephen Sinatra, M.D.

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Tips To Get The Most From Your Memory

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ENJOY THE GOOD LIFE!

Memory-boosting tips Dr. Fabiny suggests these tips and tricks to keep your memory sharp: • Follow routines, such as leaving your car keys, glasses and cell phone in the same place every day so that finding them becomes a “no brainer.”

• Slow down and pay attention to what you are doing to give your brain’s memory systems enough time to create an enduring memory.

• Avoid distracting or noisy environments and multitasking—the major memory busters today.

• Get enough sleep, reduce stress and check with your doctor to see if any of your medications affect memory.

Is it forgetfulness or Alzheimer’s?

Worried that your minor memory slips mean you are headed toward Alzheimer’s disease? That’s probably not the case. Like it or not, science shows that the ability to learn new information and recall it may decline somewhat after 50. “You just can’t pull things out of your memory the way you used to at the same speed,” Dr. Fabiny says.

But forgetfulness can be a serious issue if it’s starting to interfere with daily tasks and routines, such as managing your healthcare and finances.

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Lifestyles After 50 • November 2012 • page 15

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SlotDiscounts Machines: Insurance Past and Present For Mature Drivers

BY MARK PILARSKI

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a coin has been inserted, unlocked a brake so the handle could be pulled.

The machine then used a braking system to halt the spinning reels, with the final resting position of the reels matched to a payout system.

Slots had a certain number of reels with a specific number of symbols, and each symbol, on a legitimate machine, would have had an equal chance of coming up on a spin.

All this is not to say that slot operators in bars and restaurants didn’t rig out machines to pay or stiff patrons.

Mechanical slot machines of the past were easy to manipulate and thereby used to cheat naive players. Although the dialog above in Steinbeck’s book lacks machine specificity, and my only recollection of the character Al was that of a cook at a restaurant who ordered Mae to give bread to a migrant family, it is within reason that Al could have known when a jimmied machine was going to pay off.

ear Mark: The following quote is from “The Grapes of Wrath” by John Steinbeck. “Al wiped his hands on his apron. He looked at a paper pinned to the wall over the griddle.

Three lines of marks in columns on the paper. Al counted the longest line. He walked along the counter to the cash register, rang “No Sale,” and took out a handful of nickels.

“What ya doin’?” Mae asked.

“Number three’s ready to pay off,” said Al. He went on the third slot machine and played his nickels in, and on the fifth spin of the wheels the three bars came up and the jackpot dumped out into the cup. Al gathered up the big handful of coins and went back of the counter. He dropped them in the drawer and slammed the cash register. Then he went back to his Take Online! place and Your crossed Class out the line of dots.

“Number three gets more play’n the • Study at your leisure, 24 hours a day, 7 days a week. others,” he said. “Maybe I ought to • Simply readHethe course materials online and then answer shift ‘em around.” lifted a lid and stirred the slowly stew.” a few quiz simmering questions.

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receive your discount for a three year period.

Slot machines of today, Bob, are a distant cousin of what Bavarian Take Your Driver Course On The Internet! immigrant CharlesMature Fey invented in 1895.

It was Fey a who linked Driver’s the three License and are 55 years of If you have Florida reels to the slide payout mechanism, age or you are now eligible to complete motor vehicle creating theolder, first, reeled, mechanical prevention slotaccident machine. In a gesture ofcourse patrio- that will allow you to receive a tism, he named itreduction Liberty Bell.on your insurance rate for three years. mandatory The slots of yesteryear work the same as they do today, Department where Florida of Highway Safety a stop on each reel has an equal & Motor Vehicle Approved Course chance, although today’s symbol Speaking of a rigged machine, I combinations are controlled by a own a slot machine from that era, Random Number Generator instead a Mills Mystery, whose stops were of the action of spinning reels. fiddled with by a previous owner, and Old slot machines had, as a central it now pays the highest jackpot on element, a metal shaft that supports every yank of the handle. It’s stored the reels. This shaft was connected in the attic because relatives want to to a handle mechanism that, after a keep the winnings. (SENIOR WIRE) coin detector initially registers that

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Lifestyles After 50 • November 2012 • page 17 10/12/12 10:26 AM

Celebrate the Holidays Orlando Style on’t despair. Even if Disney World and the greater Orlando area isn’t high on your radar screen for places to spend a holiday, that doesn’t mean well-meaning friends and relatives (think grandchildren here) won’t pick the time to head for Florida.

Take a deep breath and enjoy it!

Thanksgiving? Head on over to the Magic Kingdom with the family and find your turkey there. Think of it this way—you’ll have plenty of time to walk off a turkey dinner.

And you can be sure you’ll find turkey at all the theme parks.

Here are some tips to help plan a Thanksgiving Weekend Disney-Style: 1. All Disney World restaurants will

D

Gaylord Palms brings a winter wonderland to Florida with ICE!

tour by catching A Disney World “The American Don’t-Miss: Adventure” next Epcot’s Candledoor, a 45-minute light Processional program of begins Nov. 23, the animatronics and day after Thanksvisual effects giving—the same which takes time the Christmas you through the lights are up in the history of our resorts—through Epcot’s Candlelight Processional country. Arrive Dec. 30. A mass early and hear the Voices of Liberty choir, joined by a 50-piece live sing in the lobby. They are some of orchestra and a celebrity narrator, tell Disney World’s top vocal talent. the story of Christmas in words and be open on Thanksgiving Day. Most If all else fails for Thanksgiving music in a very moving performance. of the restaurants serve turkey dinner turkey, grab a smoked turkey leg.

Performances are held at Epcot’s in one way or another, Disney staff You’ll find them near the Lunching open-air America Gardens Theatre at told me. Book dining reservations Pad in Magic Kingdom near Space 5, 6:45 and 8:15 p.m. each evening. in advance as soon as possible. You Mountain.

Look for special pricing packages can find details and Even the German that include dinner reservations. book dining online on Biergarten adds Disney’s website or Around Orlando…locals and their turkey to their by calling 407-WDWvisitors can enjoy these holiday events: menu. Everyone DINE (407) 939-3463. can dance and sing and enjoy a nontraditional holiday.

Reservations?

Thanksgiving dinner Maybe try reserving is a festive affair at for lunch instead of dinner, and Liberty Tree Tavern remember that all the Disney or the Biergarten. resorts also have dining places.

Travel

Want to go authentic Colonial style?

Make reservations at the Liberty Tree Tavern in Liberty Square in Epcot. It’s a true Colonial-themed setting and meal. Make it a history

2. If you can say “I Love a Parade” in the band sense of the words, consider that you can see the Parade of Bands on Thanksgiving Day at the Disney World Resort. Bands from around the U.S prepare and join a mass band performance for thousands of park guests at the iconic Walt Disney World® performance venue at 10 a.m. Nov. 22.

Lifestyles After 50 • November 2012 • page 18

“Grinchmas” at Universal Orlando

Universal Orlando Resort will host Mannheim Steamroller in live performances on select Saturday and Sunday nights in December.

Throughout the season there’s Grinchmas! live, musical stage

show and a daily Macy’s Holiday Parade (with floats direct from Macy’s Thanksgiving Day Parade).

ICE! At the Gaylord Palms Resort: Nov. 10 – Jan. 1 has ice slides and hand-carved sculptures in a 100-acre walk-through ice park. Prices begin at $22/adults.

Christmas Celebration at SeaWorld Orlando includes an ice skating show, a special nighttime Shamu show, live theatrical performances and fireworks.

LEGOLAND Florida hosts Christmas Bricktacular that includes a 30-foot tall Christmas tree made of LEGO bricks. And enjoy the botanical gardens (which were once Cypress Gardens).

“Festival of Trees” at Orlando Museum of Art: Nov. 12 – 20 shows off trees, wreaths and gingerbread houses to ignite the holiday spirit. Admission: $10.

Orlando Bowl Week: Dec. 26 – Jan. 1. Florida Citrus Sports presents the Russell Athletic Bowl and the Capital One Bowl plus the Fresh From Florida Parade and a concert in Lake Eola Park.

Learn more at visitorlando.com.

Ready or Not, Shopping Season Starts on Black Friday and Cyber Monday

BY ANDREA WOROCH

B

oth Black Friday and Cyber Monday are great money-saving opportunities for early-bird holiday shoppers, but what about all the procrastinators out there? I’ve created a quick list of last-minute gift ideas for all those procrastinating shoppers.

1. Think Digital E-books are a classic gift for the readers in your family. Both Amazon and Barnes & Noble offer digital gift purchases of popular titles—all you need to do is peruse, select and send! You can give gift cards and even save money off their face value by purchasing discount online gift cards from GiftCardGranny.com.

Magazine or product subscriptions make easy gifts, and with daily deals like Groupon, you can gift a voucher for a night out or a day at the spa.

2. Be Charitable There’s no better time to donate to a charity than during the season of giving. Determine your gift recipient’s favorite cause or organization and donate an amount on their behalf.

Not only will your friend or family member be pleased about the gift, but the receiving organization will benefit from your kindness as well.

Andrea Woroch is a nationally-recognized consumer and money-saving expert. You can follow her on Twitter for daily savings advice and tips.

anners are a common source of differences among generations. Priscilla Murtha is a Protocol Consultant who offers this advice in those muddy waters about thank you notes for gifts.

A: This is a common problem and is not only occurring between generations. Thank you notes are quickly being forgotten, unfortunately. This is what I would recommend—after a week, phone the grandchild (or parent if the child is young) and ask if the gift was even received. Then, to discourage this from happening again, request that a note be sent.

Christmas at Gaylord Palms® Resort

7. Try Ship-to-Store Retailers like Walmart, Target and Home Depot offer free ship-to-store services for shoppers who can’t wait the standard 5 – 7 business days for their gift. By ordering online and having your gifts ready for pickup, you avoid the crowds and save on shipping charges.

M

Q: I send beautiful gifts to my grandchildren; however, I do not receive a thank you note or even a call that the gift has been received. What should I do?

The Generations Agree. It’s Awesome!

It’s the most wonderful time of the year in sunny Florida!

November 10 – January 1

I’m old school and prefer a written note, but you may have to accept an e-mail thank you. Once you have that habit established you can move into questions like “Was the gift used and appreciated?”

I totally understand—one of my nieces did not receive many gifts in the mail due to her lack of appreciation (lack of communication). It’s frustrating, but a little behavior modification, via courtesy training, goes a long way!

Priscilla can be reached by email at p@protocolbypriscilla.com or online at protocolbypriscilla.com.

Make memories your grandkids will always cherish at Gaylord Palms, where two million twinkling lights, spectacular décor and an amazing 54-foot Christmas tree create a holiday experience like no other! The entire family will enjoy delicious dining and festive entertainment, including the 10th anniversary of ICE! — two million pounds of colorful, hand-carved ice sculptures and slides featuring DreamWorks Animation’s Merry Madagascar.

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ChristmasAtGaylordPalms.com or call (407) 586-2000 See website for restrictions. Shrek, Madagascar, Kung Fu Panda and all related characters and properties © 2012 DreamWorks Animation L.L.C. Merry Madagascar © 2012 DreamWorks Animation L.L.C.© 2012 The Coca-Cola Company. “Coca-Cola” is a registered trademark of The Coca-Cola Company. All rights reserved.

Lifestyles After 50 • November 2012 • page 19

9 Major Retirement Planning Mistakes To Avoid for their future health care costs (assuming one spouse lives to 82 and the other to 85). Prudent retirees explore ways to cover these costs.

BY BILL LOSEY, CFP®, CSA

C

lassic financial missteps that plague retirees may come as a result of many factors. Boomers can be aware of their potential difficulties as they plan for retirement.

1. Leaving work too early. The full retirement age for many baby boomers is 66. As Social Security benefits rise about 8 percent for every year you delay receiving them, waiting a few years to apply for benefits can position you for greater retirement income. Any way you can postpone applying for benefits will leave you with more SSI. 2. Underestimating medical expenses. Fidelity Investments says that the typical couple retiring at 65 today will need $240,000 to pay

of retirement, people tend to live it up; more free time naturally promotes new ventures and adventures, and an inclination to live a bit more lavishly.

3. Taking the potential for longevity too lightly. At age 65, a man has a 40 percent chance of living to age 85; a woman has a 53 percent chance, according to the Social Security Administration. About half of those aged 45 – 60 underestimated their projected life expectancy. We still have a lingering cultural assumption that our retirements might duplicate the relatively brief ones of our parents.

5. Ignoring tax efficiency and fees.

It can be a good idea to have both taxable and tax-advantaged accounts in retirement. Get good advice.

Account fees must also be watched. The Department of Labor notes that a 401(k) plan with a 1.5 percent annual account fee would leave a plan participant with 28 percent less money than a 401(k) with a 0.5 percent annual fee.

4. Withdrawing too much each year. You may have heard of the “4 percent rule,” a popular guideline stating that you should withdraw only about 4 percent of your retirement savings annually. The “4 percent rule” isn’t a rule, but many cautious retirees do try to abide by it.

So why do some retirees withdraw 7 or 8 percent a year? In the first phase

7. Retiring with big debts. It is pretty hard to preserve (or accumulate) wealth when you are handing chunks of it to assorted creditors.

6. Avoiding market risk. The return on many fixed-rate investments might seem pitiful in comparison to other options these days. Equity investment does invite risk, but the reward may be worth it.

8. Putting college costs before retirement costs. There is no “financial aid” program for retirement and no “retirement loans.” Try to refrain from touching your home equity or your IRA to pay for your children’s education expenses.

9. Retiring with no plan or investment strategy. Many people do this— too many. An unplanned retirement may bring terrible financial surprises; retiring without an investment strategy leaves some people prone to market timing and day trading.

Plan now to avoid these classic mistakes. Take a little time to review and refine your retirement strategy in the company of the financial professional you know and trust.

Bill Losey, CFP® is author of “Retire in a Weekend! The Baby Boomer’s Guide to Making Work Optional” and he also publishes a free newsletter. Learn more at MyRetirementSuccess.com.

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Rate Toa request Age Fund a Charitable Gift Annuity with a gift of $10,000 (cash or and Rate Age a personalized illustration or or request personalized orillustration Fund a Charitable Gifta with Annuity with aAnnuity gift of $10,000 (cash$10,000 or appreciated securities) Fund a Charitable Gift Annuity a gift of $10,000 (cash appreciated securities) and 9.0% To To request aillustration personalized 90 and 9.0%90 E. Bailey, CFRE Fund Charitable Gift with aorgift (cash or appreciated securities) 9.0% 90 Lydia appreciated securities) and of enjoy the following benefits: 9.0% 90 to learn more, please contact: 7.8% to 85 learn more, please contact: the following benefits: 7.8% 85 enjoy theenjoy following benefits: All Children’s Hospital Foundation to learn more, please contact: 7.8% 85 enjoy the following benefits: • Guaranteed, fixed payments for life to 6.8% 80 80 85 6.8%7.8% 6.8% 80 727-767-8914 • Guaranteed, fixed payments for to youa and/or loved one a loved one • Guaranteed, fixed payments for life tofixed youlife and/or loved • Guaranteed, payments life one toa you and/or Bailey, CFRE you and/or for a loved one Lydia Bailey,E. CFRE 6.8% 5.8% Lydia E. Bailey, CFRE 5.8%E. Lydia 75 80 5.8%75 75 Lydia.Bailey@allkids.org • tax-free Partiallyincome tax-free income tax-free income • Partially • Partially 5.1% 70 70 All 5.1% All Children’s Hospital Foundation 70 75 5.1%5.8% All Children’s Hospital Foundation Children’s Hospital Foundation • Partially tax-free income • Immediate forthe a portion • Immediate deduction for adeduction gift of the gift • Immediate charitablecharitable deduction for charitable a portion ofportion the giftof 4.7% 4.7% 65 65 65 70 4.7%5.1% 727-767-8914 727-767-8914 727-767-8914 • Immediate charitable for a portion of the gift Favorable treatment ofifcapital if deduction donated asset is appreciated securities • Favorable ofgains, capital gains, donated asset is appreciated securities advice from a tax professional • Favorable treatmenttreatment of •capital if donated asset isgains, appreciated securities Seekprofessional advice from aSeek tax professional Seek advice from 4.7% Lydia.Bailey@allkids.org 65 a tax Lydia.Bailey@allkids.org into a gift annuityLydia.Bailey@allkids.org entering intobefore a giftentering annuity •contribution Favorable treatment ofChildren’s capitalto gains, if donatedFoundation asset is before entering into before a gift annuity • Satisfaction of making a lasting contribution All Children’s Hospital Foundation • Satisfaction of making a lasting to All Hospital agreement.

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Lifestyles After 50 • November 2012 • page 20

Foundation gift annuities are not

Foundation annuities are not Foundation gift annuities notgift before entering into aare gift annuity available in all states. entering into a gift annuity agreement. available in all states. agreement.

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Marketing For Sale—

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T

here is a new business in central Florida!

Marketing For Sale LLC. This company has developed a new concept to help owners of real estate sell their properties. They call it “The Smart Alternative”: ½ Cost + 2X Service = Quicker Sale.

They are not real estate brokers or realtors… they are real estate marketing consultants.

How it works: The property owner hires the company to provide marketing consulting services. The company assigns a marketing specialist to work with the client throughout their entire proprietary process, and the result is significant bottom line cost and time savings over a traditional realtor. Their advertising includes their syndicated website, collaborating websites, social, TV, print media and open houses.

When a buyer approaches their

client, they send them to a real estate attorney for the sale negotiation, contract and closing.

Go to their website at www.marketingforsale. com and play with their “Savings Calculator.”

You will be amazed by the cost savings. They can achieve it by using information technology, social media, globalization and a very low cost company structure. The company has over 40 years of real estate marketing experience. They have an office in central Florida and support 55 and up Adult, Equestrian and Aviation Communities. Look for the upcoming seminars in all three counties: Marion, Lake and Sumter. You will enjoy their information and hospitality. They will save you significant money and time in the selling of your property.

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(352) 787-3034 Lifestyles After 50 • November 2012 • page 21

FREE INFORMATION SERVICE Lifestyles After 50

for information please return completed form to:

News Connection USA, Inc. • P.O. Box 278 • Laurel FL 34272-0278

Name: Address: City:

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Please contact me by: o Mail o Phone o E-mail SEND INFORMATION ON AREA(S) CHECKED BELOW AUTOMOBILES: TRAVEL: o Automobile Sales o Cruises o Land Tours o Maintenance and Repairs o Hotels/ Resorts o Recreational Vehicles o Local Attractions o Getaway Packages RESIDENTIAL LIVING: o Mfd/FactoryBuilt Homes HOUSING OPTIONS o RV Resort o Independent o Apartments o Assisted Living o Villa/Condo/Single Family o Senior Apartment o Golf Community o Continuing Care/LifeCare PERSONAL HEALTH: FINANCIAL/ LAW: o Physicians o Reverse Mortgages o Dentists o Retirement planning o Eye Care o Trusts o Foot Care/Arch Supports o Estate planning o Weight Loss o Guardianships o Supplements o Elder Law o Home Health LEISURE TIME: o Prescription Drugs o Golf o Counseling o Gambling o Spas/Gym o Boating o Medical Supplies o Theater INSURANCE: o Dining In/Out o Medicare HOME IMPROVEMENTS: o Health o Sunrooms o Long-term care o Pools/spas o Auto o Contractor o Life o Home Modifications o Home OTHER: LK

Entries will be collected by News Connection U.S.A. for future promotions, special offers, and marketing.

Win a $25 Gift Certificate to Home Depot!

When you complete this form and mail it back, your name will be entered to win a $25 gift certficate to Home Depot.

(Drawing held the 20th of each month.)

P Last Month’s Winner Was: P P Mary E. Dodge — Congratulations! P

Lifestyles After 50 • November 2012 • page 22

My Thoughts On...

Thanksgiving

BY ANN THOMAS

W

here I live in California we have wild turkeys walking around.

They are lean, aggressive and unattractive birds and I wonder who first got the idea to eat them. I know the story about the Indians and Pilgrims coming together for this great fall feast and since the Indians were apparently experts on corn and fish, I’m assuming one of the Pilgrims was responsible for the turkey.

I’m trying to imagine the reaction of his wife or mother when he walked in with this dead bird and presented it to her with instruction to be sure and remove the pin feathers before cooking.

I’m also having a bit of trouble imagining the reactions of those at that first Thanksgiving when everyone sat down and viewed this mixed assortment of food. Surely this tough, sinewy bird, even minus pinfeathers, couldn’t have commanded center stage. But cod fish, prepared in any way they might have tried, just seems wrong.

On the other hand, I know cranberries grow in Massachusetts so there might have been cranberry sauce, which always helps turkey. I’m pretty sure there wasn’t a relish tray, but perhaps gravy?

Our elementary school books presented that first gathering as a relaxed, happy party, bringing together good friends to celebrate a good harvest.

It appears this idea is what most of today’s families are trying to recreate.

I don’t want to be a spoil sport, but there is some misunderstanding here.

Even though the Indians brought most of the food because generosity was part of their tradition, it seems the purpose of the gathering was business.

In fact, the Pilgrims were attempting to negotiate a treaty of some sort.

So, besides being a model for future

Thanksgivings, this get together was also, apparently, the first example of how to conduct a business luncheon.

What I don’t know is the role of sports in the day’s activities. Of course there was no television, but one of our former Presidents demonstrated that it was possible to have everyone run into the yard and begin a game involving some ball. My impression of the Pilgrims is that they were a serious lot and probably didn’t own a ball, much less have an amateur team for that year’s sporting event. The Wamanoags, on the other hand, having lived in the neighborhood for at least several generations, may have had a history of sports, although probably not football.

In our family, Thanksgiving dinner generally ends with pie. It seems likely that both the Pilgrims and Indians would have known about pumpkin, although I doubt, under those living conditions, the pie crust would have been very flaky. On the other hand, when I was in Massachusetts, I was served something called Indian pudding, a dessert made from corn. I wasn’t fond of it, although the people I was traveling with thought it grand. They ordered it with vanilla ice cream and the ice cream certainly improved the dish.

Maybe my friends’ fondness for that dessert indicates they’re descended from some of the originals who attended that first dinner party. Still, I’m not at all sure where any of those early diners would have found vanilla ice cream.

Ann Thomas can be contacted through her website dr-annthomas.com and on her blog theparentingclinic.com which has a section for grandparents.

Shake Up the Holiday Table with More Salads M

aybe it’s time to shake things up a bit at the holiday table by adding make-ahead cold vegetable salads instead of hot veggie casseroles to the turkey dinner. These could mean the start of new traditions.

Dressing: 1/4 cup mayonnaise 1 Tbsp. mustard

Mix and chill. Add 1/2 cup toasted pecans just before serving.

Corn salad can be made a day ahead and stored in the fridge. Remove from fridge 30 minutes before serving.

L

earn to make Gifts from Your Kitchen at the lake County Extension Office, 1951 Woodlea Road, Tavares. Two classes offered:

Nov. 27 5:30 to 7:30 p.m.

Nov. 30 10 a.m. to noon

Recipe

Sweet Potato Salad 4 small sweet potatoes (Peel, cook to fork tender and cut up.)

4 stalks celery, cut up 1 small red pepper, chopped 1 cup fresh pineapple chunks (or canned, drained) 2 scallions, chopped

Gifts From The Kitchen

Cost per class is $12. Registration required. Call (352) 343-4101.

Martha Stewart’s Corn Salad 6 ears corn or 3 cups frozen corn 2 medium tomatoes, chopped 3 scallions, thinly sliced crosswise 2 sprigs fresh basil 1 lime, juiced 1/4 cup extra-virgin olive oil Salt & pepper

Remove corn kernels from cobs and place in a large bowl. Scrape corn milk from cobs into the bowl. Add remaining ingredients and stir to combine.

8 Tips for Gutter Cleaning

Broccoli and Peanut Salad 1 large or 2 small bunches fresh broccoli, cleaned and chopped, head only 1 cup mayonnaise 3 Tbsp. vinegar 3 Tbsp. sugar 3 Tbsp. minced onion 1/2 cup raisins 3/4 cup dry roasted peanuts

Happy Thanksgiving!

Chop broccoli. Mix all other ingredients except peanuts and mix with broccoli. Marinate overnight in fridge.

Just before serving, stir in peanuts.

R

obert Lenney, inventor of the Gutterglove gutter guard says, “Cleaning out gutters is pretty easy as long as you know what you are doing. Every time I hear of someone getting hurt from cleaning their gutters it makes me cringe, because it could most likely have been avoided had they followed proper cleaning procedures.”

Here are his eight tips for this job: • Let someone know you are cleaning your gutters.

• Use a safe and secure ladder.

Avoid rickety wooden ladders.

• Rake leaves off roof first.

• Wear rubber-soled shoes when walking on the roof.

• Use plastic gutter scoop.

• Wear gloves and proper eyewear.

• Unclog downspouts.

• Watch out for hazardous power lines.

Lenney says he can’t turn the job into Disney-like fun, but following his tips can at least make it a safe experience.

STATE CERTIFIED LICENSE #CCC1327406 • CBC 1259006

Lifestyles After 50 • November 2012 • page 23

“In Flanders Fields”

Last Month’s Answers

October Sudoku

“I

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Congratulations!

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New winner selected each month

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Sudoku requires no arithmetic skills.The object of the game is to fill all the blank squares with the correct numbers. Each row and each column of 9 numbers must include all digits 1 through 9 in any order. Each 3 by 3 subsection of the 9 by 9 square must include all digits 1 through 9 as well. Good luck! The first correct answers selected from the drawing on Nov. 21 will win.

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SUDOKU MUST BE RECEIVED BY NOV. 21, 2012

Word Search November

In the grid below, twenty answers can be found that fit the category for today. Circle each answer that you find and list it in the space provided at the right of the grid. Answers can be found in all directions – forwards, backwards, horizontally, vertically and diagonally. An example is given to get you started. Can you find the twenty answers in this puzzle?

n Flanders Fields” was written by World War I Colonel John McCrae, a surgeon with Canada’s First Brigade Artillery. It expressed McCrae’s grief over the “row on row” of graves of soldiers who had died on Flanders’ battlefields, located in a region of western Belgium and northern France. The poem presented a striking image of the bright red flowers blooming among the rows of white crosses and became a rallying cry to all who fought in the First World War. The VFW celebrated the 75th anniversary of the Buddy Poppy as its official flower in 1997. While profits from its sales have helped countless veterans and their widows, widowers and orphans over the years, the poppy itself survives as a perpetual tribute to those who have given their lives for the nation’s freedom.

In Flanders Fields

In Flanders fields the poppies blow Between the crosses, row on row That mark our place; and in the sky The larks, still bravely singing, fly Scarce heard amid the guns below.

We are the dead. Short days ago We lived, felt dawn, saw sunset glow, Loved and were loved, and now we lie In Flanders fields.

Take up our quarrel with the foe: To you from failing hands we throw The torch; be yours to hold it high.

If ye break faith with us who die We shall not sleep, though poppies grow In Flanders fields. ~Lt. Col. John McCrae

Word Search Answers From

October

Send your answers along with your name, address and telephone number to: NEWS CONNECTION USA, INC. P.O. BOX 638, SEFFNER, FL 33583

The first correct answers selected from the drawing on November 21 will win.

MYSTERY PRIZE!

WIN! WIN! WIN! GREAT PRIZES!

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(Puzzles must be received by Nov. 21, 2012.)

Lifestyles After 50 • November 2012 • page 24

Marie Sirois is last month’s winner!

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The EASY BOARDING Bicycle by Biria Last Month’s Answers

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Lifestyles After 50 • November 2012 • page 25

Seniors Getting Together

WOMEN SEEKING MEN

4119 SEEKING CHRISTIAN GENTLEMAN Former airline stewardess and model, 5’4”, 104 lbs., widow, slender, white with Ph.D. in healthcare. Fulbright scholar, eats healthy and exercises. Likes sports and animals. Loves the Lord. Florida.

4182 LETS HAVE COFFEE Attractive SWF seeks SWM for fun and companionship. Life is wonderful; let’s enjoy some of it together. Leesburg.

4184 WIDOW LOOKING FOR GENTLEMAN Would like to meet someone who likes walking, music, movies, tv and home cooking.

4186 LOOKING FOR NICE MAN sincere, over 70 years old. Ocala/Leesburg area. I’m 72 yy, 5’4”, 150 lbs., reddish hair, shoulder length. I’m outgoing, happy, non-smoker, non-drinker.

4188 GOD CREATED EVE to complete Adam. Home-grown country girl (SW) seeks SW country gentle-

man to complete her life and savor all things good. Pick up that pen! Ocala.

4192 SEEKING NICE GENTLEMAN H, NS, W, C, 70 YY. Exercises, likes travel, music, cooking, dining out, etc. Loving and honest.

Recent photo, please.

4189 SWM, 56, BLONDE, BLUE EYES, 5’9”, 160 lbs., excellent health. Loving, attentive. Want nice female for lasting relationship.

Travel/I own a small organic orchard for sales at farmers market.

MEN SEEKING WOMEN

F-Female, M-Male, S-Single, D-Divorced, WWWidow, A-Asian, B-Black, H-Hispanic, I-Indian, W-White, C-Christian, J-Jewish, YO-Years Old, YY-Years Young, ISO-In Search Of, SOHSense Of Humor, SM-Smokes, S-Light Smoker, NS-Non Smoker, ND-Non Drinker, SD-Social (Light) Drinker, DR-Drinks, NDrg- No Drugs, LTR-Long Term Relationship, HWP-Height & Weight Proportional, R-Retired, P-Professional, FF-Friendship First, TLC-Tender Loving Care.

4179 SEEKING MY LAST LOVE Financially secure, in-shape 68 year old widower seeking my last love. Slim lady to share my life. Photo and bio appreciated. Will answer all. Leesburg.

4183 LET’S SHARE LIFE TOGETHER I’m a SWM, 5’, 11”, 170 lb., nice looking, easygoing, loving, caring person. NS, NS, NDrg. Looking for Miss Right, financially secure woman, 50 to 60, HWP, for LTR to share life together. FF, please send phone number and recent photo would be appreciated. Villages, Summerfield, Bellview and nearby.

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Write a letter to the person you want to contact. Place that letter in a stamped envelope and write the ad number on the bottom left hand side of the envelope. Place your stamped, numbered envelope(s), along with $2 for each letter enclosed, into another envelope and address it to: News Connection USA, Inc. Seniors Getting Together 1602 S. Parsons Ave.,Seffner, FL. 33584 TO PLACE AN AD

Send your ad, stating what category you would like it placed in, your edition(s), along with a $6 fee for 30 words (25¢ for each additional word, abbreviations not charged) to the News Connection USA, Inc. address listed above. Ads received by the 15th of the month will appear in the following issue. No more than three ads will be accepted each month per person. The editor reserves the right to edit any ads for space or content. In order to protect our readers’ privacy, we will not include phone numbers, e-mail or home addresses in the ad copy. City or area included at no charge.

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Lifestyles After 50 • November 2012 • page 26

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Zero Monthly Plan Premium*

A new generation of plans for your generation.

BlueMedicare

SM

Regional PPO & HMO** Plans

• You can take advantage of a $0 monthly plan premium*.

• You have the freedom to choose your primary care physician.

• You have access to a large network of doctors, hospitals and pharmacies.

• There’s no deductible on prescriptions.

• Dental, hearing and vision coverage included. ® • You can join SilverSneakers, a special member fitness program (new for 2013).

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Call toll-free 1-800-876-2227 24 hours a day, every day (TTY users dial 1-800-955-8771.

Visit BlueMedicareFL.com

or contact your local agency for Florida Blue.

Florida Blue is Florida’s Blue Cross and Blue Shield plan. *You must continue to pay the Medicare Part B premium. If it is determined that you owe a late enrollment penalty, you will still have to continue to pay this amount. **In select counties. Limitations, copayments and restrictions may apply. The benefit information provided is a brief summary, not a complete description of benefits. For more information, contact the plan. Benefits, formulary, pharmacy network, premium and/or co-payments/co-insurance may change on January 1 of each year. Florida Blue is a Medicare Advantage organization with a Medicare contract. A Medicare-approved Part D sponsor.

Health insurance is offered by Blue Cross and Blue Shield of Florida, D/B/A Florida Blue. HMO coverage is offered by Health Options, Inc., D/B/A Florida Blue HMO, an HMO subsidiary of Florida Blue. These companies are Independent Licensees of the Blue Cross and Blue Shield Association.

Y0011_74369 0812 CMS Accepted