Lifestyles After 50 Sarasota Edition, November 2015

Sarasota• FREE November 2015 • Vol. 26

VETERANS DAY NOV 11

GIVE THANKS

Less Stress, More Memories: Holiday Meal Tips Y

ou can easily prepare foods for a large family without breaking the bank. To save time, money and stress when making meals for your loved ones give one of these tips a try: 1. Keep it simple.

Healthy and creative meals don’t have to be complicated.

The simpler the menu, the less money and stress it will cost you in the end.

2. Allow your family to help.

Divide jobs among family members.

Remember—kids love to be in the kitchen! With help, you can get more done and have more time to enjoy with your family.

3. Enjoy yourself. If you feel yourself becoming stressed, take a deep breath.

Have fun and enjoy spending time with those closest to you.

Lifestyles After 50 • November 2015 • page 2

4. Options for the holidays. Try having a brunch. Breakfast foods like eggs are less expensive and make a great protein for the main dish. Another fun idea is to have a yogurt parfait bar, where everyone can add their favorite toppings to yogurt.

5. Make it a potluck. Potlucks are a great option for large families.

Prepare a side dish and let each family member make the rest. It creates less work for you and allows everyone to make and sample each other’s creations.

Tired of counting pennies? Discover more about nutrition assistance programs and thrifty holiday recipes by visiting this helpful link: https://snaped.fns.usda.gov/ taxonomy/term/894/all/feed Information from choosemyplate.gov.

No-Cook Meal: Roasted Turkey Wraps with Green Apples and Brie ake it easy this holiday with this fun and simple no-cook turkey recipe.

This sophisticated sandwich will appeal to children as much as it will to adults. Crunchy apples, tangy Dijon and creamy Brie beautifully complement the savory roast turkey, while the whole-wheat wraps keep the meal manageable. If you can’t find watercress, feel free to Directions: substitute another leafy sandwich green. 1. Slather 1 side of each wrap with 1 tablespoon of the honey mustard.

Ingredients: 2. Place one-fourth of the turkey slices in 4 whole-wheat wraps the center of each wrap. Top each portion 4 tablespoons honey mustard, store- of turkey with 1 slice of cheese. Arrange bought or a mixture of equal parts the apple slices and then the watercress on honey and Dijon mustard top of the cheese, dividing them evenly.

1 pound roasted turkey, thinly sliced 3. Gently fold over the sides of the wrap 1/2 pound Brie cheese, cut lengthwise and press over the filling, tucking the edges into 4 equal slices snugly like a burrito. Cut each sandwich 1 Granny Smith apple, halved, cored in half diagonally and serve. Serves 4. and thinly sliced (Excerpt from “19 No-Cook Recipes”: 1 bunch watercress, tough stems removed grandparents.com)

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I Wanted To Say, “Thank You!” Dear Readers,

Our new editor is incredibly passionate about what she does and is very excited ’ve been the editor Lee, Collier & Charlotte Edition to be here! There are great things coming here for a little over a Published monthly by to Lifestyles After 50, and I know the News Connection U.S.A., Inc year, and it has been too magazine is in the best of hands. short a time to spend President QR Codes Richard Reeves with such wonderful richard@lifestylesafter50.com see these box-shaped patterns readers. Before that, Tracie Lukens, You may start to pop up in the magazine from time I worked behind the Publisher/Director of Events & Marketing Editor to time.

If you have a smartphone with a Kathy J. Beck scenes to help put this kathy@lifestylesafter50.com QR reader, check ‘em out sometime.

It’s magazine together. It was my first a quick and easy way to connect with real job after graduating college about Editor 50’s digital community Tracie Lukens ten years ago. I had the wonderful Lifestyles After editor@lifestylesafter50.com and other fun stuff.

If you’ve never used opportunity to meet many of you at our QR codes before, it’s a snap; we’ll show Fun Fests and walk with you in the Fun Editor Emeritus Janice Doyle you how.

Walks, to make new friends and listen to your amazing stories.

Office Manager Vicki Willis I am writing all of this because vicki@lifestylesafter50.com this will be my last editorial with Lifestyles After 50, and for me, Administrative Assistant it’s been an incredible journey. If Allie Shaw allie@lifestylesafter50.com you remember your first real job— the one where you were out in the Production Supervisor/Graphic Design world for the first time, feeling like 813-689-6104 you had found a place where you Distribution could make a difference, you know Nancy Spencer: 941-244-0500 Bayfrom. nancy@lifestylesafter50.com where I’mTampa coming Dena Bingham: 813-293-1262 Our publisher, Kathy Beck, dena@lifestylesafter50.com Advertising Sales started this magazine in her garage Questions/Customer Service and worked tirelessly to build 813-653-1988 • 1-888-670-0040 it into the magazine it is today.

Nancy Kuehne: 239-822-6150 She did it to help seniors like her nancyk@lifestylesafter50.com mother, and caregivers like herself, connect with each other and with Our other editions: helpful resources in their community. Give Thanks This month certainly a Counties time for It eventually grew into a celebration of Suncoast Edition:isPinellas/Pasco thankfulness.

This Veterans Day, Lake Edition: Lake/Marion Counties Nov. all things great about life after 50—a Sarasota Edition: Sarasota/Manatee 11, is a time to remember and honor handbook to aging triumphantly and Polk Edition: Polk County all of the brave men and women who living vibrantly.

Tampa Bay Edition: Hillsborough County have served this country.

From WWII It will continue to do so with your there is a veteran in To learn more, call 1-888-670-0040 support, and with the hard work of to Afghanistan—if your life, take a moment to say thanks. its staff, who have become a second News Connection USA, Inc. family to me over the years. I have Boxsoldier 638 and sailor “Honor P.O. to the Seffner, Florida 33583-0638 never seen a group of people more everywhere, who bravely bears his dedicated to helping others and seeing country’sFax: cause.

Honor, also, to the (813) 651-1989 something succeed. citizen who cares for his brother in the www.lifestylesafter50.com

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field and serves, as he best can, the same cause.” ― Abraham Lincoln Pinellas/Pasco Edition “As wePublished expressmonthly our gratitude, we by must never forget that the highest News Connection U.S.A., Inc appreciation is not to utter words, but President to live by them.”

— John F. Kennedy Richard Reeves richard@lifestylesafter50.com “Without heroes, we are all plain people, and don’t know how far we can Publisher/Director of Events & Marketing go.” — Bernard Malamud Kathy J. Beck kathy@lifestylesafter50.com “I dream of giving birth to a child who will ask, ‘Mother, what was war?’”

Editor —Eve Merriam Tracie Lukens editor@lifestylesafter50.com

Thanksgiving is just as important.

Inside, you’ll findEmeritus ideas to help keep Editor Janice Doyle the holidays stress-free, so you have more time to Office Manager spend making memories Vicki Willis with your loved ones. vicki@lifestylesafter50.com I find myself with Administrative much Assistant to be thankful Allie Shaw for.

There are places allie@lifestylesafter50.com and experiences and Production Supervisor/Graphic people in your Design life that 813-689-6104 change you. They help you grow, or make Distribution you see the world in a Nancy Spencer: 941-244-0500 nancy@lifestylesafter50.com different way, or help prepare you for what’s Advertising Sales magazine next. This Questions/Customer Service has been such a place. I 813-653-1988 • 1-888-670-0040 am not the same person I was ten years ago. I Ouraother have gained neweditions: appreciation for a Polk Edition: Polk County remarkable generation that many of Edition: Lake/Marion Counties myLake peers overlook.

Members of this Sarasota Edition: Sarasota/Manatee generation have shared their wisdom Southwest Edition: Lee/Collier Charlotte with me, their patience, their& hardships Tampa Bay Edition: Hillsborough County and victories. I have letters from good To learn more, call 1-888-670-0040 senior friends that have passed on while I was here. I willUSA, neverInc. forget a News Connection single one ofP.O. them.

Box 638 I Seffner, will missFlorida all of 33583-0638 you more than I can say. Fax: Thanks for everything!

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Published monthly by News Connection U.S.A., Inc President Richard Reeves richard@lifestylesafter50.com Publisher/Director of Events & Marketing Kathy J. Beck kathy@lifestylesafter50.com

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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 each issue is the 15th of the previous month. Magazines are out by the 7th of each month. All rights reserved.

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 each issue is the 15th of the previous month. Magazines are out by the 7th of each month. All rights reserved.

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 each issue is the 15th of the previous month. Magazines are out by the 7th of each month. All rights reserved.

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As a reader of Lifestyles After 50, you are creating an established relationship with our advertisers. You may be contacted by email, telephone or mail as allowed by law.

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Lifestyles After 50 • November 2015 • page 3

“Fall” Into Some Exceptional Theatre At The Players!

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all is here and it’s time for some great theatre! November is buzzing at The Players as they open several shows just in time for the start of the Holiday season. The 1960s family favorite “Chitty Chitty Bang Bang” comes to life through Nov. 15 with several special nights that offer half price “Family 4 Pack” tickets.

Backstage at The Players opens its three show season with the edgy “The Cockfight Play” (though the actual title is not so family-friendly). This show plays from Nov. 12 – 22 in the intimate backstage black box theatre.

Friday Night Live with Beneva Fruitville offers a comedic escape from the holiday bustle on Nov. 20 with its hilarious variety show format.

On December 1, possibly the most charming musical ever written, “She Loves Me,” will grace the stage as the feel-good holiday musical of the season. This scented case of mistaken identity (the basis of the movie “You’ve Got Mail”) plays until December 20.

Then, for one night only, John Patti and his steel drum return for a night of tropical holiday fun with “A Calyp-Soul Christmas,” on December 4 at 7:30 p.m. Join The Players and kick of the season with something good!

941-365-2494. Theplayers.org.

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 5

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ridays Dance: Just Sweet Jazz.

Join from 1 – 3 p.m. for live music and dancing with Just Sweet Jazz. Free admission. Senior Friendship Center, Sarasota. 941-955-2122.

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hrough 22 “Soul Mates, A Journey to Hitsville.” The greatest memories and music of the sound that changed America forever. Motown had an irresistible force of social change through generations by groups such as the Temptations and many more. $39. Florida Studio Theatre, Sarasota.

Tickets/info: 941-366-9000.

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hrough 22 “The Actor’s Nightmare and The Real Inspector Hound.”

Two theatre critics attending a performance of a British murder mystery become caught up in an evening that goes spectacularly awry! A masterpiece of farce and absurd comedy. $14.50/$29.

Cook Theatre, Sarasota. 941-351-8000 for times.

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and 8 Venice Art Festival. More than 150 of the nation’s most notable artists will exhibit their work, ranging in mediums from photography to jewelry, paintings to sculpture, ceramics, glass, mixed media and more during this weekend community festival. Free.

10 a.m. – 5 p.m. W. Venice Avenue, Venice. 561-746-6615.

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– 22 Medieval Fair. Each weekend features a full new lineup of different nationally renowned acts plus some oldtime favorites. $15.95. 10 a.m. – 6 p.m.

Sarasota County Fairgrounds. More info at 888-303-3247.

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“The Sound of Freedom” A Musical Tribute to our Veterans. Ring Sarasota will present a tribute concert to our nation’s veterans. The concert’s proceeds will be donated to MOTS. $15. 4 p.m. The Church of the Palms, Sarasota. 941-914-0175.

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Open House. Solve Maternity Homes will have free tours with a dedication ceremony at 2 pm. The 100 year old historic home underwent substantial renovations this year and will be re-named “Helen’s Home.”

Refreshments served. 1 – 4 pm. Historic Wares Creek District, Bradenton. RSVP 941-748-0094.

Lifestyles After 50 • November 2015 • page 4

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14, 15 Gem and Jewelry Show.

Features exhibitors selling and displaying gems, jewelry, crystals, minerals and beads of every shape, color and size. $3. 10 a.m. – 5 p.m. Sarasota Municipal Auditorium, Sarasota. Details at 941-954-0202.

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14, 15 Home Show. Custom cabinets, kitchens and baths, sunrooms, awnings and decks, HVAC services, windows, doors and siding, water treatment, home theatre, home security, insulation, energy management and so much more. 10 a.m. – 6 p.m.

International Convention Center, Sarasota. 631-474-2520.

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– 17 The Siesta Key Crystal Classic.

Watch as many professionals and sculptors shape pristine white sand and transform the always beautiful Siesta Beach into an outdoor art gallery. Over 60 vendors, live entertainment, and amateur contest.

Off-site shuttle service will be offered. $6. 10 a.m. – 5 p.m. 948 Beach Rd Sarasota. Visit siestakeycrystalclassic. com to learn more.

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Fashion Fun in the Land of the Sun. Venetian Harmony Chorus presents “Fashions by A’Tu” Style Show and Luncheon. Door prizes, auctions, raffles. $25. 10:30 a.m. – 3 p.m. Jacarando West Country Club, Venice. 941-480-1480.

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Holidaze.

Cirque Dreams lights up the holidays with its critically-acclaimed stage extravaganza.

It’s a Broadway musical and family Christmas spectacular all in one. $35/$65. 8 p.m. VanWezel Performing Arts Hall, Sarasota. 941-953-3368.

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and 22 Electric Fun Fly. World Champion RC pilots. Food and drinks. Raffles and prizes. $20 or $10 with new, unwrapped toy. 9 a.m. – 3 p.m. 4000 Knights Trail, Nokomis.

More info at 941-544-3258.

Send Around Town news to Lifestyles After 50, P.O. Box 638, Seffner, FL 33583; fax 813-651-1989 or email events to info@lifestylesafter50.com.

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

The Importance of Saying Thank You

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s it turns out, saying ‘thank you’ is more than just a simple courtesy. New research suggests that gratitude also helps people develop new relationships, build on existing ones and maintain both.

Historically, psychology has focused primarily on treating illness.

But researchers who are part of the ‘positive psychology’ movement— like social psychologists Monica Bartlett of Gonzaga University and Lisa Williams of the University of New South Wales, Australia—are trying to understand what makes people flourish.

Gratitude was the focus of their most recent study. A group of 70 university students were led to believe they would provide mentoring advice to a high school student by commenting on their university admission essay.

Afterward, all mentors received a handwritten note, supposedly from their mentee. In half the cases the note included the following expression of gratitude: “Thank you SO much for all the time and effort you put into doing that for me!”

The undergraduates who were thanked were more likely to want to continue their relationship with their mentee than

those who were not thanked. In addition, the grateful mentees were rated as having significantly warmer personalities.

Gratitude experienced more deeply and more often is also linked to many benefits, including increases in wellbeing and decreases in depression, research shows.

To reap these benefits, Bartlett suggests beginning a gratitude journal.

“Before you go to bed each night, write down three things that went well that day and why,” she says.

Some of her students asked if something so simple can be so effective.

“The answer is ‘yes,’” she said. “I think part of it is that after you do this long enough, you start to switch the way you are thinking.” (Newswise)

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Lifestyles After 50 • November 2015 • page 5

Giving Without Borders

By Barbara Taylor Sanders

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hen her Ohio neighbor erected a solid wooden fence separating their blended backyards, winter Venice resident, Susan Furci, fumed about it.

“I was outraged, “ Susan confessed.

“It was hard to fathom why they’d spend all the money ruining our beautiful landscape with that ugly fence when they don’t even own a dog.” She chuckled when adding, “But, my motto has always been make lemonade out of any lemons life dishes out.”

Undaunted, my feisty redhead friend adorned the unsightly intrusion with unique and colorful birdhouses.

Susan and her husband, Dr. Don Furci, learned to roll with the punches early in their 42-year marriage. Before landing in Florida, the couple spent several months doing volunteer outreach at a crowded orphanage in Southern India.

“Moving to India was probably the greatest challenge I faced in our marriage because it was uncertain when we’d

return. It was a walk of faith,” Susan told me.

Unless you are extremely wealthy, life in India is horrible, especially for committed missionaries who live among the lower class of people. Rats roamed freely at the orphanage Susan Furci where Don and Susan served. But even though conditions were harsh and it was difficult adjusting to the extreme culture barriers, Susan’s letters to me were filled with delightful stories of the orphanage. She gave the children much needed affection and her own two children became fluent in the native language.

Sweet deprivation seemed the hardest to bear for Susan. I always included Hershey chocolate bars or Bit-O-Honey candy in my return letters.

MEDICARE OPEN ENROLLMENT DATES! October 15 - December 7

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SHINE is a Florida Department of Elder Affairs program operated in partnership with your local Area Agency on Aging to provide information and assistance with Medicare. All services are free, objective and conndential. WE DO NOT SELL INSURANCE OR REPRESENT ANY INSURANCE ENTITY.

Lifestyles After 50 • November 2015 • page 6

Each morning the gate to the orphanage opened up to natives who had walked for miles for medical treatment. Along with two other Indian doctors, Don helped treat hundreds of men, women, and children every day. Two hundred and sixty-eight were allowed through the gates each morning. Peasants who didn’t make it through would spend the night outside, camping out until the next morning. Tuberculosis was very common there. Field hands often showed up with serious machete cuts on legs, arms, or hands. The medical needs were vast.

Don frequently traveled throughout the countryside with Brother Samuel, bringing additional medical aid and much needed awareness for financial support. It was a rewarding and productive time for this young, handsome physician.

Due to difficulties with their visas, Don and Susan needed to leave India after only four months. They had planned to stay indefinitely. However, God had alternate plans.

In 1995 they returned to Susan’s hometown when Don accepted a directorship at Doctor’s Family Hospital Medical Clinic in Grove City, Ohio.

Don continues short-term missionary outreach with an annual trip to Belize with his team of residents. Susan hosts “International Dinners” with Doc’s student residents, and everyone is required to bring a native dish.

She’s a devoted mother and grandmother to her adult children with growing families and not a one of them can keep up with her! Whether it’s a fence or an ocean, nothing can stop Susan from giving back to others.

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Lifestyles After 50 • November 2015 • page 7

10 Steps to Achieve Your Retirement Goals IRAs and 401(k)s to buy an annuity, without having this money included in mandatory withdrawals after age 70 1/2.

4. Factor in health care costs. Medical costs will rise. Medicare covers the majority of health care at 65 and older, though you must still pay deductibles and other expenses. The savings needed to cover most health care expenses in retirement, including premiums, is $116,000 for men and $131,000 for women, according to estimates. You can calculate health care costs online using AARP’s Health Care Costs Calculator at aarp.org/work/retirement-planning/ the-aarp-healthcare-costs-calculator.

By Eileen Ambrose, AARP Bulletin

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verybody wants to be safe from the buffeting that life can inflict upon retirement plans — to have the financial resilience to bounce back when things go awry. For starters, here are 10 mistakes to avoid in retirement planning.

1. Don’t take Social Security too early.

Claim Social Security benefits at 62 and your monthly check will be 76 percent less than if you wait until 70. Even so, many people take benefits before full retirement age. Some need the money, and some fear they won’t live long enough to collect what they paid into the system.

But wait as long as you can. Check out AARP’s Social Security calculator at aarp.org/work/social-security/socialsecurity-benefits-calculator.html.

2. Don’t say ‘Take this job and shove it.’ Even if you quit the 9-to-5 grind,

don’t entirely exit the workforce. “Find something that is fun for you, so you do not really call it a job,” says Scot Hanson of EFS Advisors in Shoreview, Minn. Part-time work at a golf course or local theater might generate only $4,000 to $12,000 a year, but will reduce how much you dip into savings and allow you to invest in a tax-friendly Roth IRA. 3. Don’t underestimate your lifespan.

More than half of Americans do, and may not save enough, according to a survey by the Society of Actuaries. One way to be safe is to buy a deferred-income annuity.

You give an insurance company a lump sum and then, perhaps 15 years later, you start receiving a lifetime income stream.

“You can spend a relatively small amount now and end up with a substantial amount of income down the road,” says David John at AARP Public Policy Institute.

Workers can transfer up to $125,000 from

5. Don’t ignore major expenses.

Whether you’re near or in retirement, beware of taking on large expenses that can wreck your budget. This includes digging deep into savings to help a child pay for graduate school or a dream wedding. Buying a second home can drain $20,000 to $30,000 a year for taxes, insurance, upkeep and mortgage payments, says Kristi Sullivan with Sullivan Financial Planning in Denver.

6. Consider long-term care. Medicare doesn’t pay for long-term care. Most people rely on family, says Donald Redfoot, a senior strategic policy adviser with AARP Public Policy Institute. Long-term care insurance could be an option for some, particularly those with assets to protect.

7. Don’t fall for scams. Older people can be financially devastated by con artists.

“You don’t have the years to recoup,” says Barry Korb with Lighthouse Financial Planning in Potomac, Md. Monitor credit reports for suspicious

activity. Tell credit reporting companies to put a security freeze on your report.

This can stop a thief from opening lines of credit in your name. Check out AARP’s Fraud Watch Network and sign up for watchdog alerts at aarp.org/money/scamsfraud/fraud-watch-network.

8. Simplify your finances. If you have multiple retirement accounts, consolidate them. Otherwise it is tough to determine your asset allocation— how much you own in stocks, bonds and cash—or to know if holdings overlap, says Rosa Kohler of Key Private Bank in Tarrytown, N.Y. When consolidating, make sure your fees don’t rise. You might be able to get lower fees—some firms cut expenses for larger accounts.

9. Keep track of pensions. If you think a former employer may be holding a pension or 401(k) for you, contact the HR department. Sometimes workers can’t find an old employer that was acquired, went bankrupt or just shut down. The Pension Benefit Guaranty Corp., which insures private pensions, is holding about $280 million in unclaimed pensions owed to 37,587 people. Search online for unclaimed pensions. Advisers at the federal Employee Benefits Security Administration also can track down lost accounts.

10. Don’t miss your Medicare deadline. You generally have a sevenmonth window, starting three months prior to turning 65, to sign up. Not doing so could trigger late penalties and delay coverage—unless you are covered beyond 65 by insurance from your or your spouse’s current employer. To learn more, visit AARP’s Medicare Q&A tool at aarp.org/health/medicare-qa-tool.

Need-to-Know Financial Terms Financial planner: A financial planner assesses every aspect of your financial life and may also manage your investments.

The financial-planning profession doesn’t have its own regulator. But planners may be regulated based on the services they offer.

For example, financial planners who are also investment advisers would be regulated by the SEC or their own states.

Fiduciary: A fiduciary is required to act in the best interest of his or her client. Registered investment advisers must adhere to this rule; people known as broker-dealers (who may also call themselves advisers) generally do not.

Lifestyles After 50 • November 2015 • page 8

Registered investment adviser (RIA): An RIA is registered with the Securities and Exchange Commission (SEC) or state regulators and is compensated for providing advice on different types of investments. An RIA must be a fiduciary.

Broker: This financial professional traditionally buys and sells stocks, bonds and mutual funds and charges a fee or commission for handling orders submitted by an investor. Brokers are regulated by the SEC and by the states, and they must be members of FINRA, the securities industry’s self-regulating body.

401(k) plan: This employer-sponsored savings plan allows a worker to save for retirement and defer income taxes on both contributions and earnings until withdrawal.

Employees contribute a portion of their pretax wages; employers may match some or all of workers’ contributions.

Individual retirement account (IRA): A savings account for individuals, an IRA lets you contribute as much as $6,500 a year (for those 50-plus). Earnings are taxdeferred until you start taking out the money, after age 59 1/2. In a variation called the Roth IRA, contributions are

made with posttax money and earnings are tax-free in the future.

Mutual fund: This pooled-investment fund buys securities based on the fund’s objectives.

Load fund: A mutual fund with a sales charge or commission is called a load fund.

The investor pays the fee, which in turn compensates the broker. The load can be paid when the fund is purchased (called a front-end load) or when shares are sold (a back-end load). —Compiled by Tara Finnegan Coates, Online Executive Producer, AARP

Lifestyles After 50 • November 2015 • page 9

Managing Lung Disease During the Holidays

By Phoebe Brown, Staff Writer

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he holiday season brings people together for many celebrations. However, for people with lung disease, the holidays can seem daunting. Between traveling, cooking and eating, someone could easily become fatigued, which could make breathing difficult. One way to avoid excessive exhaustion is to practice moderation when eating. While indulging in holiday festivities, practicing moderation can help people with lung disease enjoy the holidays and improve their overall quality of life.

Triggers such as air pollution, overexertion and overeating can cause flare-ups. While some triggers are uncontrollable, others are manageable. Staying inside when air quality is poor can help with lung function. Overeating or eating foods that cause gas or bloating can make breathing uncomfortable, so even during the holiday season, it is important to keep moderation in mind.

It might seem like common sense but taking time to enjoy good food and company at the table could help someone feel satisfied instead of overfull.

Drinking plenty of non-caffeinated fluids can help control hunger and keep people hydrated. Eating smaller portions of foods, including desserts,

could help reduce pressure, especially in someone who is short of breath. Extra pounds could cause extra heaviness and difficulty breathing.

For those suffering from debilitating lung diseases, options exist now to improve quality of life, such as diet and moderation. A clinic in the United

States, the Lung Institute, states they have helped lung disease sufferers by offering an additional treatment option in the form of stem cell therapy.

Stem cell therapy is a minimallyinvasive, outpatient treatment that harnesses the natural healing ability of the stem cells that already exist in the body. Stem cells are harvested from the patient’s own fat, blood or bone marrow, separated, and reintroduced into the body. Stem cells naturally fight infection and disease by repairing damaged tissue with new, healthy tissue.

This is a slow process, but stem cell therapy has the potential to expedite the natural healing process for those with certain progressive diseases, such as lung diseases.

People with lung disease have various options to help them take their health into their own hands, such as using an alternative treatment like stem cell therapy along with diet and moderation.

By controlling factors that exacerbate their symptoms, and by taking action to improve their lung function, people with lung disease can enjoy the holidays and improve their quality of life.

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LifestylesAfter50.com Lifestyles After 50 • November 2015 • page 10

Lifestyles After 50 • November 2015 • page 11

Shop Savvy With these Savings Tips

CREATE & CRAFT

get buyer’s Holiday Memories Table Runner Don’t remorse; get smart Directions: about shopping! Experts Step 1: Prep. Wear clothes you don’t mind getting paint on, and cover your table or other workspace with newspaper to protect it. Then lay the table runner flat on your workspace.

C

reate a fun Thanksgiving table runner with your grandkids or other loved ones that will be a special decoration to pull out every year!

Step 2. Paint. With the paintbrush, apply your paint of choice to your (or a loved one’s) hand, making sure to cover the entire surface from palm to fingertips.

Step 3: Print. Start at one end of the runner. Press the painted hand firmly onto the fabric until a clean handprint is left.

Note: keep baby wipes nearby to keep handprints out of the rest of the house!

What You Need: Light-colored, solid fabric table runner Non-toxic fabric paint.

Paintbrush Permanent marker Willing hands!

Lifestyles After 50 • November 2015 • page 12

Step 4: Embellish! Using a paintbrush or permanent marker, write the name of the handprint’s owner and the year next to their print. Decorate the handprints like turkeys for extra fun.

“We have now done this for enough years where the kids embellish the turkeys on their own,” says craft creator Erica Deuel.

“I let the kids choose their favorite color for the turkey. It’s fun to watch the kids’ colors change as we add more turkeys every year. It is also fun to see how their handwriting changes as well! This is one of my favorite items to see my kids grow.

It’s grown into a fun tradition! Enjoy!”

Craft idea by Erica Deuel. Find more at spoonfulofimagination.com.

offer these saving tips for the holidays and beyond.

1. Avoid impulse purchases at the grocery store with Grocery iQ. (groceryiq. com). You can create a shopping list on your desktop and use it in the store.

2. Buy low, sell high. “When I find a good deal on something, I buy two of them and sell one on eBay for the price I paid for both,” says savvy shopper Amy Patterson McPherson from Thomasville, Ga. “That way, the one I keep is free!”

3. Shop in January. Post-holidays, retailers slash prices on men’s clothing by up to 50 percent to make room for warmer-weather clothing. Buy suits, sweaters and winter coats this month.

4. Flash sale sites, including JackThreads (jackthreads.com), Gilt (gilt.com) and Rue La La (ruelala.com), offer everything from suits to designer sunglasses for as little as half the retail price.

5. Buy luggage in March.

Travel retailers know we gear up for spring and summer vacations in March, so they often discount prices.

6. Save on shaving. Join a shave club at sites such as Dollar Shave Club (dollarshaveclub.com) or Harry’s (harrys.com) and have quality blades and shave supplies delivered to your doorstep for less than you spend now.

7. Buy sneakers in November. Retailers devote more shelf space to sneakers in early fall, for back to school, then cut prices in November to make way for winter boots.

8. Nab the best online deals. Before you hit the “buy” button, install a free Web browser add-on, such as PriceBlink or Shoptimate, to your computer to help you find better deals. PriceBlink, for instance, scans more than 4,000 merchants to find low prices and alerts you to coupons.

Tips by Terry Bradwell, AARP; Brian Boyé, executive fashion director, “Men’s Health”; and Lynnette Khalfani-Cox, “The Money Coach.” From AARP’s 99 Great Ways to Save: aarp.org.

MEDICARE ANSWERS

Do I Have To Sign Up for Medicare?

D

ear Marci, My husband is planning on working past age 65, and he receives insurance through his job. In this situation, are we required to sign up for Medicare when we turn 65? —Judy Dear Judy, This depends on what kind of insurance your husband has. People with employer insurance from a current job may consider delaying Medicare enrollment as long as the employer coverage pays first and Medicare pays second. This employer insurance can be from either your own employment or the employment of a spouse.

If your husband works for an organization with 20 or more employees, this is considered to be large group health coverage. This large employer insurance will pay first and Medicare will pay second. If you have coverage from a large, current employer, you do not have to enroll in Medicare right when you turn 65. The employer coverage must pay for your care without regard to whether or not you have Medicare.

You and your husband will have an eight month Special Enrollment Period (SEP) to enroll into Medicare as long as you have the employer coverage, as well as

within 8 months of losing that insurance or retiring. Before you decide to defer Part B, evaluate whether having additional coverage through Part B is worth the costs.

If your husband‘s organization has less than 20 employees, then this is considered to be small group health coverage. This small current employer insurance only pays after Medicare and can reduce or altogether deny benefits if you fail to enroll in Medicare. Because of this, if you have employer insurance from a small employer, you should enroll in Medicare as soon as you are eligible in order to maximize coverage and avoid significantly higher costs.

Know that these rules apply only when someone is actively working. Retiree insurance and COBRA always pay after Medicare, and you should sign up for Medicare as soon as you are eligible to do so in order to maximize coverage.

It is best to speak with your employer to find out how your coverage coordinates with Medicare. You also can speak with a Social Security representative at 800-772-1213. Be sure to write down the date, time, name of representative, and outcome of the call. —Marci

Lifestyles After 50 • November 2015 • page 13

See “La Nouba” Again, For the First Time

By Tracie Lukens

cirque members, a show can still feel like their first. High-flying trapeze artist April Chodkowski says she magine you’ve been gets goosebumps from time to time. invited to the biggest “Oh yeah, every show,” she says. party you’ve ever seen.

“When I have to go on the top track Hundreds of people of the trapeze act, I’m still like, hold their breath as ‘Phew! It’s okay; you’re alright, just the cake arrives and relax.’ Then the music comes on and an unbelievable 8,000 you’re in it, and it’s easy-peasy.” candles are lit. The Not all of the performers audience cheers, the specialize in physical feats—some light blows out and the of them are vocal acrobats, like festivities begin! Such Selloane, one of the show’s main was the excitement in singers. Syncing her voice to the the air as Cirque Du movements and energy of the other Soleil’s “La Nouba” recently celebrated its Picture credit : © The Walt Disney Company. Costume credit : Dominique Lemieux performers is no small task. But she says that synergy is what makes 8,000th show.

That means you’re in for a surprise, everything flow so seamlessly.

“La Nouba,” from the French phrase “Sometimes they’re hyper and you feel ‘faire la nouba,’ means “to party” or “to whether you’re a first time attendee or their energy,” she says about the performers. live it up.” The show has been wowing long-time Cirque enthusiast. audiences in Orlando since 1998, but like Additions over the past few years have “If they are extra pumped up, vocally it’s included a pair of rambunctious clowns, easy...I get what they give me and I give any good party, they like to mix it up.

“Our shows evolve a lot,” says Artistic acrobatic jump ropers and a balancing/ them exactly what they give me.”

Here in Florida, we’re lucky to have Director Daniel Ross. “We let them juggling artist. Ross hints at more to grow, change and go places. When we come over the next few months, from one of the few permanent Cirque du Soleil theaters in the world. “La Nouba” have new people come in, we let them breakdancers to bamboo poles.

While you might think 8,000 shows is a thrilling, imaginative show for all influence the show. So ‘La Nouba’ is becomes routine for a performer, for many ages, and well worth a day trip. still fresh, still new.”

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Stay Close to the Action While Cirque du Soleil performs evenings, there’s plenty to do during the day. The Walt Disney World Swan & Dolphin Resorts (swandolphin. com) offer free bus transportation for their guests to La Nouba and all of the shops and restaurants Downtown Disney has to offer. The Swan has just finished its grand remodeling—with the Dolphin soon to follow—revealing updated accommodations that are chic, modern and comfortable. While you’re there, you can enjoy fresh seafood at Todd English’s BlueZoo, or get your fingers messy with gourmet barbecue at Cib’s Smokehouse.

Want something to wear for the main event? Macy’s at the nearby Mall at Millenia has you covered. Treat yourself and shop with a personal stylist (it’s free!). Learn more at http://l.macys.com/the-mall-atmillenia-in-orlando-fl.

The party continues in central Florida, and everyone’s invited! To learn more about “La Nouba,” or to experience the show yourself, visit cirquedusoleil. com/en/shows/lanouba/default.aspx..

Lifestyles After 50 • November 2015 • page 15

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Lifestyles After 50 • November 2015 • page 16

Saint of the POW Camp —The Inspiring Story of Chaplain Emil Kapaun

By Victor Parachin

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is ‘congregation’ was located inside a North Korean POW camp. His ‘parishioners,’ made up of every faith, were hungry, ragged, emaciated prisoners of war. His ‘church’ was a lice-ridden mud hut. His uniform bore a small cross of the Corps of Chaplains rather than the crossed rifles of an infantry unit. Although he died in the POW camp at age 35, many credit him with their survival and Father Emil Joseph Kapaun, serving on the those fortunate ones refer to him battlefields of the Korean War. Image in the public domain. as a hero, martyr and saint.

Emil Joseph Kapaun was a farm boy who closest to him, enough to elicit charges called Pilsen, Kansas home. Ordained at that Kapaun was advocating resistance the age of 24 in 1940 for the Diocese of against their captors. When the tortured Wichita, Kansas, he entered the U.S. Army men were returned to the general POW as a chaplain during World War II, serving population, unsure of their welcome, it in Burma, China and India. Fr. Kapaun was was Fr. Kapaun who first greeted them discharged, but re-enlisted as the Korean saying: “You never should have suffered War broke out. In early November of 1950, a moment trying to protect me.”

Because of the accusations made by the his unit was overwhelmed by Chinese troops. Although he had an opportunity men, the POWs fully expected that Fr. to escape, Fr. Kapaun learned there was Kapaun would be executed. However, a pocket of American troops who were the captors merely called him in and unable to flee. He voluntarily made his threatened him with harm. Dowe writes: way to those trapped and injured men. “We realized then what we had half known There, he was captured and continued all along. They were afraid of him. They recognized in him a strength they could his ministry as a prisoner of war.

Lieutenant Ray M. Dowe, Jr., was one not break, a spirit they could not quell.”

Gradually, it became clear that Fr. of the POWs who survived and returned to tell of Fr. Kapaun’s ministry. The Kapaun was himself beginning to fail troops in the POW camp were being fed in strength. Pneumonia eventually took a starvation diet. At the risk of being shot, him, but before he passed he left his men Fr. Kapaun would sneak out of the camp with messages of hope. “Tell them back into nearby fields around the compound home that I died a happy death,” he said, where he scrounged for leftover ears and he gave his prayer book to another of corn, spoiled potatoes and grains to officer, saying: “You know the prayers. share with the troops. Kapaun begged for Keep holding the services. Don’t let cotton undershirts to make bandages for them make you stop.” Standing beside the wounded, and cared for the sick and Dowe was a Turkish lieutenant of the Muslim faith who said: “To Allah who dying as much as he was able.

Most importantly, Fr. Kapaun was is my God, I will say a prayer for him.”

Even after he died, Father Kapaun’s instrumental in giving hope to his fellow prisoners. Whenever it was safe, influence continued to affect the camp. A he conducted quiet prayer services. young Jewish marine was placed in the “He he would offer a prayer of thanks facility and said he couldn’t understand to God for the favors He had granted to why the men were taking care of each other, us, whether we knew about them or not, unlike other places where he had been held for the food and water we have received captive. He asked why and received this at the hands of our enemies,” recalls answer: “Padre Kapaun, Padre Kapaun.”

In April 2013, President Barack Obama Dowe. He would conclude with a short, simple sermon urging the men to hold posthumously bestowed Father Kapaun on and not lose hope that they would be with the Medal of Honor, saying: “This is the valor we honor today, an American freed and returned to their families.

Recognizing the influence Fr. Kapaun soldier who didn’t fire a gun, but who had over the other men, his captors wielded the mightiest weapon of all: a never punished him directly. However, love for his brothers so pure that he is they did not hesitate to torture those willing to die so that they might live.”

Try A Balance-Boosting Exercise Walk

M

aintaining good balance as we age is important to help us prevent falls and keep us able to do the things we love. Doing these two exercises regularly will give your balance a boost!

P

Heel to Toe Walk Balance Walk 1. Raise arms to sides, shoulder height.

2. Choose a spot ahead of you and focus on it to keep you steady.

3. Walk in a straight line with one foot in front of the other.

4. As you walk, lift your back leg. Pause for 1 second before stepping forward.

5. Repeat for 20 steps, alternating legs.

Challenge: As you progress, try looking from side to side as you walk.

Professional Golfer Sees Results After Using Low-Intensity Vibration

1. Position the heel of one foot just in front of the toes of the other foot.

Your heel and toes should touch or almost touch.

2. Choose a spot ahead of you and focus on it to keep you steady.

3. Take a step. Put your heel just in front of the toe of your other foot.

4. Repeat for 20 steps.

Tip: If you are unsteady on your feet, try doing this exercise near a wall so you can steady yourself if you need to.

For more exercises, visit nihseniorhealth.gov.

rofessional golfer Peter Jacobsen, 59, understands the importance of maintaining a healthy lifestyle. That’s why he uses a Marodyne LivMD to help combat conditions associated with aging such as circulation, bone and muscle health, plantar fasciitis and joint problems.

Peter began using LivMD—a low intensity vibration device developed through NASA funding by Dr. Clinton Rubin of Stony Brook University in New York—to maintain his overall health and quality of life. In the past, Peter had a hip and knee replacement and was diagnosed with joint problems and plantar fasciitis—a painful inflammation in the connective tissues in the foot.

Although Peter has only used LivMD for a short time, he has seen great results. “It’s been eye-opening; I didn’t expect to see results this fast,” Peter said. Peter started using LivMD two times a day for 10 minutes each session.

“After about 10 days, the fasciitis in

my foot was gone,” said Peter. Not only was Peter astounded by his success using LivMD, he was also impressed with how easy it was to use. “I plugged it in, it beeped at me, I stepped on the device and it started buzzing.” Peter said. “It’s about the size of home plate, kind of like a large bathroom scale—and it doesn’t take up much space.”

Unlike other vibration machines on the market, LivMD vibrations are safe and mild. LivMD’s technology was developed based on OSHA safety standards. “Not only is it safe, but it feels good, unlike other vibration machines that vibrate at much higher intensities,” Peter said. The device, which emits a force of 0.4g (gravitational force) at 30Hz (30 x/second), is safe to stand on for up to four hours per day according to Marodyne Medical.

For more information about LivMD, visit LivMD.US or Marodyne.com or call 1-866-387-7131.

Lifestyles After 50 • November 2015 • page 17

Thrifty Retirees Are Getting Rid of Their Mortgage—By Going Tiny

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iny homes are a massive trend—and they’re not just for Millennials. With an average size between 100 – 400 square feet, these pint-sized pads are ideal in retirement.

Low costs, unlimited mobility and minimal upkeep are just a few of the benefits to going tiny in the golden years. Whether you plan to build in a family member’s backyard, use as a vacation home or tow as you travel the country, tiny homes can be adapted to fit any quality of life.

According to The Tiny Life, 68 percent of tiny home owners have no mortgage —and two out of five tiny home owners are over the age of fifty.

Without a mortgage payment, the savings alone can give your nest egg the boost it needs to maintain your standard of living in retirement.

Despite their small stature, tiny homes are still a significant purchase.

Depending on your project scope, budget and financial situation, financing your tiny home may include: Savings If you have cash saved, it may make the most sense to fund your tiny home out-of-pocket. But before cashing in assets, consider keeping investments that are delivering a significant return or whose liquidation may have associated costs or tax penalties (such as tapping a 401K account). Even using cash in combination with another financing option can reduce the total borrowed, so you can get back to saving faster.

Mortgage If you choose to build a tiny house on a traditional foundation, some banks may offer mortgages. However, many tiny

homes do not qualify for a mortgage due to their mobility and price. Speaking with your bank or credit union is a solid first step to determine if a mortgage is an option.

Home Equity Line of Credit For current homeowners considering a second home, a home equity line of credit (HELOC) can offer several perks.

As a line of credit, payments are made on the amount that is actually borrowed, not the total amount available. Plus, mortgage interest is often tax deductible.

Recreational Vehicle (RV) Loan Some tiny house manufacturers build homes on mobile platforms that can be easily towed. If the tiny home you choose qualifies for certification by the Recreational Vehicle Industry Association (RVIA), lenders who finance RVs may provide you with an RV loan for your tiny home.

Unsecured Personal Loan For borrowers with good credit, an unsecured personal loan for either an RVIA-certified or a non-certified home may be an attractive option. A tiny home loan from LightStream is a simple online process and has a fast response,

so funds can be quickly delivered directly to the borrower’s bank account.

LightStream loans have low, fixed interest rates and no fees. The loan can not only be used to purchase a tiny house, but also any associated expenses such as shipping and furnishings. NonRVIA certified homes can receive loans to not only purchase a tiny home, but also any associated expenses such as land or additional construction costs.

Remember, before making any significant investment, it’s always important to discuss it first with your financial advisor. Overall, tiny living can bring extensive benefits to quality of life in retirement. As the trend and financial options continue to gain momentum, you may begin to see more tiny homes in a yard near you.

Todd Nelson, business development officer at LightStream, provided these tips for Lifestyles After 50 readers who may be thinking about jumping on board the big trend in tiny homes. LightStream is an online lending division of SunTrust Bank that offers unsecured loans to borrowers with good credit. For more info and important details, visit lightstream.com/tiny-houses.

Five Tips To Beat Caregiver Burnout O

ver 60 million Americans currently provide care for a family member who is aging, chronically ill, suffering from dementia, living with a life-long disability, or returning from war. November is National Family Caregivers Month.

As a speaker, workshop leader, coach and the primary caregiver for his parents in their final years, A. Michael Bloom knows this landscape. His mission is to provide practical coping strategies for family caregivers like himself to recharge their energy while avoiding burnout, and states that “the life you save may be your own.”

Try these five tips to sidestep burnout and provide quality care without regret.

1. Put chocolate in your pill box.

Caregivers remain highly susceptible to depression, disease and hypertension because they rarely provide themselves with rewards that release stress and develop the purpose for their lives beyond caregiving.

Determine your special “chocolate” (which is a metaphor for something that provides ultimate joy) and dose yourself regularly so you create enduring satisfaction and success during the long journey of care.

Lifestyles After 50 • November 2015 • page 18

2. Get those stressful thoughts out of your head and say YES to requests for support.

Set a five- to ten-minute time block at least once per week to deal with your stress. Make a list of all the issues rolling through your mind. Put the items on paper and make plans to address them. When a friend or family member asks how they can help, be prepared with this list of tasks that others can perform to lighten your load.

3. Schedule regular breaks.

Caregivers can become so consumed with providing for their loved ones that they lose joy and satisfaction with their own lives.

Seek assistance from friends, relatives or volunteers so you take a class, go to the gym, go on a date with your partner, or enjoy other fun recreational activities.

4. Use high tech to deliver high touch. Free, easy-to-navigate systems to build support networks can be found at lotsahelpinghands.com or the family portal at seniorcaresociety.com.

5. Low tech packs a punch, too. Old school options such as calendars, post-itnotes and dry erase boards are just as effective. Create an information binder for family, friends and volunteers so vital medical and support needs are at their fingertips.

Houses of worship, service providers or local volunteer organizations can be of assistance to building a super helpful and responsive support community for your family.

Through these online communities, family caregivers can post vital medical and support information, use an online calendar to schedule volunteer assistance for activities/ appointments, and send updates with just the click of a button. These tools can simplify the organizational process and provide a journaling vehicle for you to share key points along the caregiving journey.

Bloom’s aim is to inspire and train fellow caregivers to provide high quality support to their loved ones while fully living their own lives. He recalls that it took just about every ounce of his being to care for his parents and not lose himself in the process.

“I can now reflect on my caregiving journey as soul-fulfilling and transformative,” he said.

“I provided care without regret and supported my parents to age in place and die with dignity in the comfort of their own home.” To learn more, visit bloomforcoach.com.

A Legacy Undone: How To Protect An Elderly Parent from a Financial Predator

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arried for 35 years, Terrie and Jon Hull were very close with Terrie’s mother, Jean. However, their happiness became tragedy in the span of just a few weeks.

First, Terrie’s elderly mother was in a car accident and suffered a severe traumatic brain injury, which critically impacted her short-term memory and left her frustrated and vulnerable. Terrie and Jon rose to the occasion and became her primary caregivers while she underwent additional surgeries and all it entailed. Then, Jean’s boyfriend stepped in and the real nightmare began.

In the months that followed the accident, Jean’s long-time friend “Billy” moved in, took advantage of Jean’s disability and confusion, and convinced her that Terrie was stealing money. Without evidence, he managed to persuade both a police officer and a judge that Terrie was the one taking advantage of Jean, and the judge issued a restraining order without a shred of proof.

Homecare workers also colluded with Billy, helping to make arrangements for a one-day visit to Las Vegas, where Billy and Jean were married.

Billy turned out to be a financial predator, and the Hulls were thrust into a 4-year legal battle to save Jean from ruin.

Fortunately, Jean and her first husband had put their estate plans in place through a family trust, which made it possible for Terrie to successfully fight for a conservatorship. But not before Billy closed all of Jean’s bank accounts, opened new joint accounts, cashed some bonds and even took Jean’s name off one of the accounts!

Terrie and Jon were able to make certain that Billy couldn’t drain Jean’s financial assets through the trust.

They prevented him from being able to inherit it, ensuring that Jean could live out her life financially comfortable.

Terrie and Jon share what they did and what they learned in their book, “A Legacy Undone…An Extraordinary True Life Experience That Will Make You Rethink Protecting Your Family.”

They include steps that everyone should take to ensure that their loved ones’ wishes are protected should they become mentally or physically incapacitated:

1. Organize emergency information.

This includes more than just a list of doctors and contacts. Cataloging your digital assets, bank accounts, storage rentals, financial advisors, P.O. boxes and more can be a boon for loved ones facing critical decisions.

2. Create a solid estate plan. This is the best way to make sure your loved ones will be able to carry out your wishes when the time comes. Estate laws in the United States give people the right to put their affairs in order. Not exercising that right means you may forfeit your family’s legal right to help you.

3. Designate a durable power of attorney. This allows a person you trust to make legal decisions for an incapacitated individual. Without power of attorney, the courts or a third party designated by the courts will make legal decisions.

4. Prepare an advance medical directive to make your wishes known and to relieve family members of making difficult end-of-life decisions on your behalf.

5. Communicate. “If your parents are over 50 and haven’t talked with you about putting their affairs in order, you need to start the conversation,” Terrie says. “Find out what they have done while they are still young and aware.” The same is true for parents.

“Your children look up to you and assume you have been smart with your money,” she says. “Prove them right by putting your affairs in order. Then teach your adult children to put their affairs in order. This opens the door to productive conversations about other important decisions in life.”

6. Realize that this is all about life.

“Putting your affairs in order is not about death. It’s about making sure things get done your way,” she says. “It is one of the most important financial and lifestyle decisions of your life. It’s about writing the last chapter of your amazing legacy.”

Find their book, “A Legacy Undone,” online at amazon.com.

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www.aging florida.com Lifestyles After 50 • November 2015 • page 19

TRAVEL

By Andrea Gross; Photos by Irv Green

Seattle’s Pike Market

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expect Seattle’s Pike Market to be colorful, crowded and caffeinated, as befits the city that birthed Starbucks, but I don’t expect flying salmon. Yet, here, men in white aprons are flipping giant fish with the ease that most folks flip pancakes. One of the fishmongers grins as a salmon slips onto the counter and somersaults into a bin. “Want one?” he asks. I decline and walk on to see the flowers, which smell infinitely better.

Seattle’s Pike Market is the go-to place for Pacific seafood, whether to eat on the spot or to ship home.

The French Market spans six blocks in New Orleans’ French Quarter.

Seattle’s Pike Market: The Country’s Oldest Continuously Operating Market My husband and I weave past performers strumming guitars, we dodge groups of tourists and inhale the strong smells of curry, kimchee, coffee and chocolate.

Vendors ply us with samples: a handful of dried fruit, a slice of apple, a chunk of cantaloupe and the best chocolate-covered cherry I’ve ever tasted. No wonder, since Washington is the top sweet-cherryproducing state in the nation.

Washington also grows more onions than any other state, and Pike Market owes its existence to onion-hungry citizens, price-gouging middlemen and a sympathetic politician. In response to his constituents, who were furious that the price of onions had risen dramatically, Seattle Councilman Thomas Revelle suggested that farmers set up shop on an empty street corner and sell directly to their customers. In August 1907, eight farmers did just that. Their produce sold out within hours, and the business practices of Seattle were forever changed.

Now, 108 years later, more than 100 farmers and 200 craftsmen and women rent space at the market, which has expanded to cover nine acres. (pikeplacemarket.org)

Like other urban markets, Pike Market reflects its surroundings.

Salmon in Seattle? Of course.

(Taste them in a market restaurant or have them shipped to your home.) Gator-burgers in New Orleans? (Eat them on the spot.) Clam chowder in Boston? Most definitely. While in some cities, commercial establishments have moved in, the emphasis in urban markets is always on locally sourced food and regionally unique products.

That’s what makes them so The entertainment surrounding New Orleans’ much fun for the traveler.

French Market is as fascinating as the action inside.

Lifestyles After 50 • November 2015 • page 20

Faneuil Hall, which comprises one part of Boston’s famed market place, has been the site of many historic events, including speeches by Samuel Adams and a reception for George Washington.

New Orleans’ French Market: America’s Oldest Public Market Seattle’s market may hold the title complexes in the country. But despite its of the oldest continuously operating market, but New Orleans’ French Market storied history, by the early 1970s it was simply a group of decaying buildings, and predates it by more than 100 years.

It began as a Native American trading the city wanted to tear them down.

Instead, some concerned citizens turned post in 1791 but quickly grew into a them into a “festival marketplace,” the multi-ethnic hub as new arrivals flooded first one in the United States. The old the area. Now, vendors sell everything Faneuil Hall and Quincy Market became from homegrown food to handmade a “festival” of stores, restaurants and pubs, crafts, many of which feature fleur-de-lis thus revitalizing not only the old buildings in one form or another—on mugs, door but the surrounding area as well. knockers, T-shirts and neckties.

I’m not into fleur-de-lis décor, and I can easily pass on alligator models and Mardi Gras masks, but I succumb to temptation when I see a handmade voodoo doll.

After all, you never know when a little magic might come in handy.

The food presents a bigger problem. Do I want gator meat on a stick, in a burger or atop a salad? And then there’s the muffuletta, a deli sandwich favored by Sicilian farmers who were selling their goods at the At Faneuil Hall, you can indulge in savory chowder market. We look at the sandwich, and a host of other New England specialties. a layered powerhouse consisting We snack and wander—taste-testing of a marinated olive salad, three meats clam chowder and baked beans, and two cheeses. It’s a tough call. We opt admiring pewter mugs and trying on for both. (frenchmarket.org) T-shirts that celebrate Boston colleges and sports teams.

Faneuil Hall Marketplace: The Our last stop is at Make Way for Nation’s First Festival Market Ducklings, a bookstore that honors Some folks call it Faneuil Hall Robert McCloskey’s classic tale of a Marketplace; others call it Quincy group of Bostonian mallards.

I resist Market. Either way, it’s a favorite buying my granddaughter a toy mallard meeting place for Bostonians and one imprinted with the word “Boston,” and of the city’s top visitor attractions.

The area was first a public food market, instead get her a book of Mother Goose then the site of an historic hall where a rhymes. She may as well learn now that reception was held for George Washington. the little pig who went to market had a Later, in the nineteenth century, it was lot more fun than the ones who stayed the home of one of the largest market home. (faneuilhallmarketplace.com)

Make Your Home Smarter W

ith apps that offer comfort, convenience and security, homeowners are getting more out of their smartphones to make their homes better, smarter places to live. Here is a guide to new technologies that exist to make homes smarter than ever before: Staying Cozy Special apps like those offered by Nest allow you to control the temperature settings on your thermostat from your smartphone or tablet, so your home’s temperature will be just the way you like it when you arrive. This also allows you to regulate the temperature while the home is unoccupied, which can mean savings on energy bills. Nest technology can also send smoke and CO alerts to your rmobile device. nest.com Letting the Sunlight In Hunter Douglas is one company that offers motorized window shades that you can control remotely from compatible Apple devices like iPhone, iPad and iPod touch with their Platinum App. You can even set your blinds to raise or lower automatically on a schedule so you can wake up to natural light every morning. It’s not cheap, but other window treatment companies are starting to catch on. hunterdouglas.com.

Remote TV Apps Have you ever misplaced your TV’s remote control? Do you forget to record your favorite television shows before leaving the house? Both of these problems can be solved with your phone. By downloading an app to connect to your smart TV, you can instantly turn your phone into a remote control. This allows you to schedule recordings from anywhere.

You can find remote apps for Apple TV, Samsung, Panasonic, LG TV, Sony, Philips and Google TV in your iPhone’s app store or on iTunes: apple.com/itunes.

Or learn more with this helpful guide from iGeeksBlog: igeeksblog.com/turn-iphoneinto-remote-control-for-smart-tv.

Smart Appliances Smart appliances like the ones produced

by GE (geappliances.com/connectedhome-smart-appliances); Samsung (samsung.com/us/showcase/smarthome-appliance-washer-dryer-andrefrigerators);LG(lg.com/us/appliances) and Whirlpool (whirlpool.com)

link up to your mobile devices for remote control. Cooks can now save time with apps that allow them to preheat, monitor food as it cooks and turn off the oven all from their phone. Refrigerators can help you make grocery lists or find recipes based on what your fridge has in stock.

Other apps allow homeowners to check laundry cycles and receive alerts when their clothes are clean and dry.

Home Security Are you afraid you left the garage door open? The handy MQ Garage app sends automatic notifications to your smartphone when the door opens or closes, so you won’t have to go back home to check. It works with most garage door openers and uses your home’s existing wi-fi, allowing you to open your garage door from anywhere. chamberlain.com There are also a wide range of video monitoring services that you can set up at home with a smart device and a few webcams. Check out (camcloud.com); (nest.com/camera/meet-nest-cam/); (homemonitor.me/apps); (presencepro. com); or (icamspy.com) for ideas.

Lights Lighting systems like the Philips EnvisionTouch (lighting.philips.com) or Hue (www2.meethue.com/en-US) give you the ability to access your home’s lights via mobile device, set schedules and turn them on and off remotely.

Miscellaneous The DLink Wi-Fi Smart Plug gets honorable mention for being versatile and affordable. This device lets you connect a single outlet to a mobile device, allowing you to remotely turn on or off whatever you plug into it. It also includes ways to set up schedules and monitor energy use, as well as a thermal sensor that automatically turns the outlet off should it overheat. us.dlink.com/products/connected-home/ wi-fi-smart-plug. (Family Features) Lifestyles After 50 • November 2015 • page 21

Insurance Discounts

For Mature Drivers Have a Florida’s Driver’s License and are 55 years of age or older?

Navigating the Over-50 Dating World

By Joe Cohen

T

he past-50 world of dating is popular and steadily growing. Whether you’re heading out for your first date in decades or you’re looking to boost your self-confidence before getting back in the game, check out these tips before you embark on this new chapter of your life:

Take Your Class Online!

• Study at your leisure, 24 hours a day, 7 days a week.

• Simply read the course materials online and then answer a few quiz questions.

• There is no need to attend boring classes or listen to long lectures.

• After completion, of course we will issue a state-certified certificate for you to turn into your insurance company to receive your discount for a three year period.

Take Your Mature Driver Course On The Internet!

If you have a Florida Driver’s License and are 55 years of age or older, you are now eligible to complete motor vehicle accident prevention course that will allow you to receive a mandatory reduction on your insurance rate for three years.

Florida Department of Highway Safety & Motor Vehicle Approved Course

To Register go to:

www.seniordriverclass.com

or call 1-800-771-2255

1. Be wary of the fast pace of social media. Between dating sites, Facebook, and other social networks, the 21stcentury relationship is becoming an all-consuming 24/7 experience. Digital technology removes all speed limits on a blossoming romance, but that doesn’t mean you should charge full speed ahead. Constant communication can be overwhelming for one or both sides of a relationship, and you or your partner may need space to reflect on whether it’s a good match. If social media is causing problems, don’t be afraid to take your relationship offline for a period of time.

2. Build an authentic online profile.

Success in online dating lives and dies by how well you represent your true personality in the digital realm. Take time to thoughtfully build an online profile. Avoid tired clichés and focus

on what makes you unique (hint: it’s not the fact that you love long walks on the beach). The goal is to create an online dating profile that stands out but is authentically you.

3. Boost your confidence with a new look. Whether or not you’re braving the new world of online dating, finding a new look is a great way to get a shot of confidence for this new adventure. Explore new fashions, wrap yourself in a colorful scarf or accessorize with some stylish frames or a chic wig.

Even a small change can provide the spark of confidence you need!

4. Keep your mind and body active. Regular exercise will help boost your daily energy, sharpen your mind and memory, and ward off other symptoms of aging—all huge benefits when it comes to taking your dating game up a notch. Sign up for some group fitness classes, invest in a new wearable fitness device, or download a fitness app to your mobile device to help track your goals.

5. Embrace the new... and the old.

Online dating provides countless opportunities for meeting new people, and with an increasing number of techsavvy boomers joining online dating sites, there’s certainly no shortage of potential sparks. On the other hand, don’t hesitate to look up old friends and flings. A large number of people in over-50 relationships have found love with someone from the past!

Nov. Horoscope: Scorpio and Sagittarius Scorpio (Oct. 23 – Nov. 22) Predictions show that home and emotional issues are in the forefront in this month, while career and finance will be in the background.

Your home will require major repairs and beautification.

Confidence and independence will help you attain your targets, the way you decide. All challenges to your progress will be overcome easily.

Lifestyles After 50 • November 2015 • page 22

Sagittarius: (Nov. 23 – Dec. 22) It’s your way, all the way in November. Personal ambitions and self-will will decide your progress, Sagittarius. Seek the help of others, but follow your conscience.

There is another major change happening.

Career and professional matters are giving way to family and spiritual consciousness.

You can take the help of spirituality to review your past and make plans for it.

(From sunsigns.org) More horoscopes: lifestylesafter50.com.

FINANCE

How to Get the Best Financial Advice

By Carole Fleck, AARP Bulletin

W

hen it comes to protecting your retirement savings, what could be more important than making sure you’re getting the best financial advice when you need it?

Unfortunately, that can be a tough slog. More than 400,000 people in the U.S. call themselves financial advisers today, using any number of so-called professional designations to sell financial products and give advice.

Some of these credentials—there are 157 out there—don’t require much training or expertise, or a code of ethics.

So when looking for help, start with an adviser who identifies himself or herself as a fiduciary: someone who puts your interests ahead of his or her own. While it’s not an ironclad guarantee about their abilities, they are typically considered the safest bet for unbiased advice that’s free of conflicts.

have to disclose. So be sure to ask your prospective adviser which standard— fiduciary or suitability—he or she observes, and if there is any hesitation to give a clear answer, walk away.

Something else to watch out for: dually registered advisers, Mallouk says. They’re like the Jekyll and Hyde of the advice industry: Sometimes they’re fiduciaries, sometimes they’re not, and most people can’t tell which hat they’re wearing when. In fact, a study done by AARP in 2013 found that an overwhelming majority of 401(k) participants wanted their financial planners to follow the fiduciary standard.

7 Steps to Take When Choosing a Financial Adviser 1. Do a credential check. Make sure a prospective financial adviser has current credentials and hasn’t been disciplined by any regulatory authority. The Commodity Futures Trading Commission has bundled all the major regulators online at smartcheck.cftc.gov for easy checking access. One caveat: Brokers can often get negative marks expunged from their records, so just checking this site may not be enough. For advisers who sell insurance products such as annuities, check them out through your state’s division of insurance.

2. Fees. Ask how your adviser is being compensated: on an hourly basis, by commission or as a percentage of assets under management. If it’s a percentage, fees should be under 1 percent annually.

(Note: That’s on top of fees mutual funds charge.)

Standards defined “Fiduciaries have to put themselves in your shoes when giving investment advice and say, ‘This is the best you can do.’ And they’re held to that level of liability,” says Peter Mallouk, author of The 5 Mistakes Every Investor Makes and How to Avoid Them: Getting Investing Right. “Believe it or not, the great majority of financial advisers are not fiduciaries.”

Many brokers and others who call themselves advisers follow the “suitability” standard, meaning they can sell you products that are suitable based on your age, risk tolerance and other factors but may not meet your needs.

Those products can come with high fees or commissions, or hidden payments from mutual fund companies they don’t

3. Beware of performance promises.

Many advisers tout their past returns.

Remember, past performance is no guarantee of future gains.

4. Recommendations. Ask to speak with other clients. If the adviser refuses or can’t provide any, consider walking away.

5. Get it in writing. Ask your adviser to put in writing why an investment is the best for you. Many advisers also prepare what’s known as an investment policy statement, which outlines in detail how he or she will meet your investing objectives.

6. Know what you’re buying. If your adviser can’t explain an investment to you in terms you understand, don’t buy it.

7. There’s no free lunch. If an adviser promises returns that are much better than the market average, walk away. If it sounds too good to be true, it probably is.

Lifestyles After 50 • November 2015 • page 23

Hosting The In-Laws: 8 Survival Tips T

he holidays are approaching, which means family will be coming to visit.

While you may be on fabulous terms with your in-laws, finding it difficult to spend extended periods of time together is not uncommon. So, how do you make it through a visit? Etiquette expert Diane Gottsman offers these tactful tips to help you get through the season with your sanity (and relationships) intact: 1. Create a flexible itinerary. Having planned events during their stay allows little time for sitting around. Lastminute planning may also make them feel unimportant.

2. Go to the movies or a sports event.

Opt for entertainment options that don’t require a great deal of personal interaction. By choosing to attend a local play or art exhibit, you are creating memories with your in-laws while avoiding awkward lulls in conversation.

3. Set up a special afternoon…without you. Buy tickets to a city tour or a local wine tasting. Give them suggestions for favorite delis, walking trails and small coffee shops, providing them the opportunity to explore

the city by themselves.

Offer to meet up for dinner later at one of your favorite restaurants.

4. Have a backup plan to recharge. If you know you can become overwhelmed at times by visitors, have a pre-planned errand, chore or phone call to make, allowing yourself some breathing room. (Just make sure your spouse knows.)

5. Host a gathering in your in-laws’ honor.

Invite friends with similar interests to meet your in-laws. Your friends will create lively conversation over dinner and help the evening go smoothly, creating a buffer so you don’t have to entertain alone.

6. Allow your in-laws to get involved.

Don’t forget your in-laws are family.

More often than not they will want to help out when it comes to dinners or children. Ask if they would like a special night with the grandkids, so that you

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Sara

and your spouse can go out for dinner.

It’s a win-win for both parties.

7. Retire to your room early. Simply say, “Today has been great, I am going to start winding down. Feel free to stay up as late as you would like. See you all in the morning!” This will allow you to reclaim your evening by relaxing in your room.

8. Worst Case Scenario. Pay for a hotel or point them in the direction of modestly priced lodging. If you have consistently

had bad experiences with hosting your in-laws, it may be worth the expense to offer to pay for comfortable accommodations close to your home. Say, “Our home is so small, and the kids really need their own space.

We’d like to make your stay as pleasurable as possible.” If money is tight, you might say, “We look forward to your upcoming visit.

I’m happy to research hotels close by if you give me a price point to stay within? We’d also like to offer the use of our car while you are here.” Bottom line, weigh your risk of hurting the relationship versus hurting your marriage.

“Though a one week stay with your in-laws may seem overwhelming, it’s in everyone’s best interest to maintain a healthy relationship,” Gottsman says.

Diane Gottsman is a speaker and author who specializes in executive leadership and etiquette training. Her advice is backed by a Master’s Degree in Sociology with an emphasis on adult behavior. To learn more, visit dianegottsman.com.

Lifestyles After 50 • November 2015 • page 25

Tinseltown Talks: A ‘High Chaparral’ Thanksgiving with Henry Darrow

By Nick Thomas

C

ome November, Henry Darrow’s thoughts typically turn to turkeys… and burros.

Darrow, who turned 82 in September, played Manolito in the popular ‘60s western television series “High Chaparral.” He recalls the memorable Thanksgiving episode, “For What We Are About to Receive,” first broadcast on NBC on November 29, 1968.

Henry Darrow in his 2012 film, “Soda Springs.” Photo: 2C Entertainment

The Beauty Queen of Leenane Opens Venice Theatre’s 2015-2016 Stage II Season Nov. 5 – 22

S

et in a remote Irish cottage, Martin The New Republic has exclaimed, The McDonagh’s play tells the darkly Beauty Queen of Leenane is “… clearly comic tale of Maureen Folan, a lonely the product of a major writer. Indeed, woman in her on the basis of this forties, and Mag, play alone, I am her manipulative willing to make aging mother. the rash claim Mag’s interference that McDonagh is in Maureen’s first destined to be one and possibly last of the theatrical chance at love sets luminaries of in motion a series the twenty-first of events that leads century.” inexorably to the And The Telestory’s terrifying graph described conclusion. the play as, “…by Written by the turns viciously playwright who funny and touchalso brought you ing” adding, “EvVenice Theatre’s erything about it critically acclaimed was precociously Lynne Buhle and Nancy Denton productions of accomplished and The Pillowman and A Behanding in richly unexpected.”

Spokane, The Beauty Queen of Leenane Contemporary theatre lovers, get your was recognized with six Tony Award tickets today at www.VeniceStage.com nominations and four wins. or 941-488-1115.

Lifestyles After 50 • November 2015 • page 26

“I got lucky when he saw me in a play,” said Darrow, whose parents were from Puerto Rico although he was actually born in Manhattan.

Darrow was a teenager when his family returned to Puerto Rico, where he studied at the university before heading back to the U.S to take up acting.

“As a kid in Puerto Rico, I’d get out of school and go down to a small, local theater and, for a quarter, could see all the great cowboy stars like Charlie Starrett (the Durango Kid), Buck Jones, Gene Autry, and Roy Rogers,” he recalled. “Then, as a young adult, I got to play one on TV!” “High Chaparral” also starred Leif Erickson as head of the Cannon family’s Arizona ranch, as well as Linda Cristal, Mark Slade and Cameron Mitchell.

“Cam (Mitchell) was quite a character,” said Darrow. “He introduced me to horse and dog racing, and poker, but I learned a lot from watching him and his inventiveness on the set.”

Planning for the final banquet scene of the Thanksgiving episode, after a turkey is finally caught and cooked, Darrow remembers Mitchell saying he would serve the peas, leaving the mashed potatoes for Darrow.

“We spent that episode looking for a lost turkey that I’d won in a shooting contest,” said Darrow, from his home in North Carolina. “The bird falls off my wagon and in one scene we’re all out in the desert making various turkey sounds trying to catch it. That was a fun episode.”

Earlier in the plot, Manolito’s buckboard holding the turkey is stolen, forcing him to seek alternative transportation.

“A burro!” recalled Darrow, laughing. “I can still picture myself riding that animal—it was very boney and uncomfortable!”

Darrow appeared in all 98 “High Darrow and felllow High Chapparal cast in Chaparral” episodes, as well as over “For What We Are About to Receive.”

130 film and television roles, many “But Cam grabbed the potatoes,” discussed in his 2012 autobiography laughed Darrow. “He was always doing “Henry Darrow: Lightning in the something unexpected.”

Bottle” co-written with Jan Pippins (see The meal was also interrupted by henrydarrowbook.com). neighbors and local native americans, “High Chaparral” was one of numerous each claiming ownership of the turkey.

TV westerns dominating network “Instead of fighting, we ended up television in the ‘60s. sharing the meal,” explained Darrow. “It “About 15 of the top 20 shows were was like the first Thanksgiving all over westerns,” said Darrow. But the series again—a wonderfully written episode stood out with its realistic treatment of life for the season.” and conflict in the old West. “It was also Nick Thomas teaches at Auburn the first show to feature a Hispanic family University at Montgomery, Ala., and has alongside an Anglo family in primetime.” written features, columns, and interviews The show was created by “Bonanza” for over 600 magazines and newspapers. producer David Dortort, who was looking Follow on Twitter @TinseltownTalks. for a Hispanic actor to play Manolito.

Lifestyles After 50 • November 2015 • page 27

Lifestyles After 50 • November 2015 • page 28

Word Search November

Word Search

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?

Answers From Oct.

Ray Broth is last month’s winner!

Congratulations!

Send your answers along with your name, address and telephone number to: LIFESTYLES AFTER 50 P.O. BOX 638, SEFFNER, FL 33583

The first correct answers selected from the drawing on November 20 will win.

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Last Month’s Answers

October Sudoku Sara Boisvert is last month’s winner!

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Win Great Prizes!

Good Luck!

New winner selected each month

Nov. Sudoku 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. 20 will win.

Send your answers along with your name, address and telephone number to: Lifestyles After 50 P.O. BOX 638, SEFFNER, FL 33583

WIN! WIN! WIN! GREAT PRIZES! SUDOKU MUST BE RECEIVED BY NOV. 20, 2015

Question: Name the four places in the U.S. named “Turkey.”

Your Answer: Send in the correct answer to be entered in a drawing to win a prize each month!

Deadline for entries: Nov. 16, 2015. Drawing held Nov. 20, 2015.

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Mail to: Lifestyles After 50, P.O. Box 638, Seffner, FL, 33583

Linda Griffith from Leesburg is last month’s winner!

Her answer was: “November 1”

Play more trivia online and win more prizes at www.lifestylesafter50.com

Click on the Trivia Palooza button and answer a Trivia question each week for a chance to win a prize at the end of each month.

Lifestyles After 50 • November 2015 • page 29

Tech Talk Giveaway: Hearing Aids

W

elcome to this month’s allows natural air movement Tech Talk column, so you don’t feel blocked off where we cover the latest from your surroundings. apps, products and websites To order, or learn more, that make life a little easier. visit mdhearingaid.com.

This month, we’re giving To enter the giveaway, email away one MDHearingAid editor@lifestylesafter50.

AIR Digital Hearing Aid (Can com or snail mail us at: be used for Left or Right Ear) The AIR Attn: Zoinx and one FIT digital hearing Lifestyles After 50 aid (Right Ear only). You can P.O. Box 638, enter to win one or the other.

Seffner, FL 33583 Please specify which aid you would prefer when sending us Send us your name, address your entry. There will be one and phone number by winner for each hearing aid!

November 19. The drawing With three programs and will be held on November a volume dial, the AIR 20, and the winner will be accommodates the most contacted and announced in common types of hearing loss for The FIT the next issue of Lifestyles After 50. confident communication, even in Look for more giveaways in upcoming challenging listening environments. Its editions. Good luck! discreet behind-the-ear design and invisible wire make it almost impossible to notice.

Congratulations!

The FIT: Are you an active adult who needs hearing help but doesn’t want to To last month’s winner: be tethered to conventional hearing aids?

Angela McElroy of Valrico The FIT was made just for you, with a She won the Zoinx Sunglasses! patented In-The-Ear (ITE) design that

Lifestyles After 50 • November 2015 • page 30

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hure "Our Best Friends Deserve Better Plans" has all tion on Estate Planning for Pets and Florida's Pet s FREE! This brochure helps pet owners plan for their mergency or in case their pets outlive them. Use this your free materials.

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Send your answers for a drawing. First correct answers selected from the drawing on Nov. 20 will receive $20 cash!

Send to: Lifestyles After 50, P.O. Box 638, Seffner, FL 33583 I want information on: Travel / Cruises Recreation / Leisure Entertainment / Events

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Lifestyles After 50 • November 2015 • page 31