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Complimentary | Lancaster County Edition

July 2021

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Medicare coverage options for retirees eager to travel page 8

Legal solutions for secondmarriage complexities page 16

How Your ‘Retirement Years’ Could Be the Right Time to Launch a Business By Patti and Milledge Hart

Retirement is commonly known as the end of your career and the beginning of a new life of leisure. But is there another way to move into this new phase of life? A way to remain relevant as an individual, to expand your knowledge, and to continue to have an impact on the world? Of course. Start your own business. Turning a hobby or a skill into a legitimate enterprise is a path that many choose. According to the Stanford University Center for Longevity, in less than a century, average life expectancy in the developed world has increased by nearly 30 years, with those years adding to the time we traditionally thought of as retirement. What does this mean? It means that you could spend as many years being your own boss as you did working for others. It means that retirement planning, which has normally been focused on making sure that you don’t exhaust your financial resources, can be replaced by planning to thrive as a business owner and providing your products and services to others. What a perfect way to utilize all of your newfound extra time. And you might be surprised to know that the statistics are in your favor.

YOU Can Learn How to Help Others Navigate Their Medicare Options!

According to the Global Institute for Experienced Entrepreneurship, those over 50 are starting more businesses than any other cohort. And those over 50 are twice as likely to be successful as those under 25. There are numerous reasons you might choose to launch a new business venture during your post-career stage, from earning income to staying engaged to continuing to make a contribution. You have developed many skills, established a financial foundation, and built a valuable network of people and tools. Now is the time to put them to work for you. While these businesses come in all shapes and sizes, as we survey the landscape of possibilities, we find that there are obvious common threads that bind this group of “elder” business owners together. Many of these new ventures are created based on one of your life’s passions. If you have always loved animals, this can lead to becoming a pet groomer, dog walker, or pet sitter. If you are devoted to education, perhaps you might choose to become a tutor or begin a business that assists with college admissions or teaches English as a second language. Those who are particularly skilled at cooking and baking often find themselves becoming personal chefs or starting a bakery or an online

You are invited to join the Lancaster County Office of Aging team of volunteer APPRISE counselors who assist Medicare-eligible beneficiaries navigate the often-confusing Medicare system. APPRISE counselors receive intensive training in Medicare Parts A, B and D, Supplemental Insurances, Medicare Advantage Plans, Medicaid, PACE Plus, and other health insurance-related topics. This training allows volunteers to provide unbiased assistance to consumers so they can make an informed decision and choose the plan that best meets their specific needs.

APPRISE counselors assist older and disabled individuals with: • Understanding Medicare A, B, and D • Making informed choices about Medicare Advantage Plans • Deciding what Medicare D Plan (prescription coverage) is best • Selecting a Medigap Policy • Applying for PACE Plus • Determining what financial assistance an individual may be eligible to receive

Become an APPRISE Volunteer Today! 2

July 2021

50plus LIFE

APPRISE counselors must be available during weekdays for the shadowing, training, and counseling parts of this volunteer opportunity. For more information, please contact Kim Skinner at 717-299-7979 or 1-800-801-3070, or by e-mail at

sweetshop. An affinity for travel may cause you to become an online travel agent, which can have the added benefit of discounted travel perks. Turning your personal priorities into your new trade can be a rewarding endeavor — both financially and spiritually. Alternatively, we find that many choose to use the skills and activities that allowed them to have successful careers. If you are financially minded, you might consider a tax-planning advisory firm, or, if your career was one concentrated in human resources, you might offer your services as a life coach or a resume writer. Advising others on navigating the Medicare system or the refinancing of a home can leverage experience that has been garnered over your lifetime. Lengthening your career by advising others based on your knowledge can ease the transition from your fully employed life to this more fluid stage. Still others gravitate to a skill they did not apply during their career to create meaningful work. If you have always been a talented artist, you might consider creating art to sell at the local farmers market or art fair or even to be commissioned for someone’s home. Are you a talented musician? Maybe it is time to share your music with others by forming a band to play at special events or teaching piano to those in your neighborhood. Do you have a green thumb? If so, maybe a landscaping or gardening business is in your future. Allowing those hidden talents to come forward in your business will add new dimensions to your life. Whether you are engaging a passion, leveraging past successes, or applying your raw talent to a new business, we find that two important strategies are consistent: build the business in a way that provides for an improved work/ life balance, and choose a vocation that allows for short-term returns. At this stage we don’t have decades to build a large, sustainable company, nor do we choose to dedicate ourselves fully to our new “business.” Retirees tell us over and over again, “I want to work in a way that allows me to enjoy my life without the burden of a fixed schedule.” In other words, “I want to exercise choice — to work when I choose, where I choose, and with whom I choose.” What could possibly be better for our hearts and souls than to monetize the things we love or do well while also finding time to “smell the roses”? Reaching retirement age once meant leaving the workforce to relax, recline, and recede, but today’s population finds themselves at the precipice of retirement and are healthy, energized, and interested in life’s many dimensions. Retirement is no longer a story of old age. It is a story of long life. It is the dawning of the Anti-Retirement Movement. Patti and Milledge Hart, co-authors of The Resolutionist: Welcome to the AntiRetirement Movement (, spent more than 30 years as executive leaders in numerous technology and investment-banking businesses. Today, in what they call the “Resolutionist” — rather than retirement — phase of their lives, they are applying their resources and skills to global philanthropic and corporate activities. Providing trusted service for over 40 years! Complete and Skilled Automotive Maintenance and Repair COLLISION SERVICES 24/7 Emergency Towing / Recovery / Roadside Assistance Specializing in Brake, Tire, Mechanical Services, PA State Inspections, and Emissions Testing

5th Annual

omen’s Expo Oct. 23, 2021 9 a.m. – 2 p.m. Park City Center (Inside former Bon-Ton store) Sponsor and exhibitor reservations now being accepted.

600 Park City Center Lancaster

Looking forward to coming together again in person! The fifth annual Lancaster County Women’s Expo is your opportunity to meet and build relationships with your next clients. Share how you could help them, showcase your business, or sell your product right then and there. And it’s all done in a relaxed, stress-free environment. You are invited to be one of the sponsors or exhibitors of this immensely popular event, where you can offer information about:

Finance t Home Technology t Beauty Health & Wellness t Nutrition and more!

Contact us today to reserve your booth at 717.285.1350, or go to:

SCHEDULE AN APPOINTMENT TODAY! 10 Mill Street, Stewartstown, PA 17363

(717) 993-2263

Hosted by: and

50plus LIFE

July 2021


Cover Story

Grateful for the Ride Corporate Office

P.O. Box 8049, Lancaster, PA 17604 Phone (717) 285-1350 (610) 675-6240 Fax (717) 285-1360 Email address: Website address:


EDITORIAL Vice President and Managing Editor Christianne Rupp Editor, 50plus Publications Megan Joyce

ART DEPARTMENT Project Coordinator Lauren Phillips Production Artist Renee Petros

BUSINESS DEVELOPMENT Senior Marketing Consultant Joshua Binkley Events Manager Kimberly Shaffer

ADMINISTRATION Business Manager Elizabeth Duvall

Member of


50plus LIFE is published by On-Line Publishers, Inc. and is distributed monthly among senior centers, retirement communities, banks, grocers, libraries and other outlets serving the senior community. On-Line Publishers, Inc. will not knowingly accept or publish advertising which may be fraudulent or misleading in nature. Views expressed in opinion stories, contributions, articles and letters are not necessarily the views of the publisher. The appearance of advertisements for products or services does not constitute an endorsement of the particular product or service. The publisher will not be responsible for mistakes in advertisements unless notified within five days of publication. On-Line Publishers, Inc. reserves the right to revise or reject any and all advertising. No part of this publication may be reproduced or reprinted without permission of On-Line Publishers, Inc. We will not knowingly publish any advertisement or information not in compliance with the Federal Fair Housing Act, Pennsylvania State laws or other local laws.


July 2021

50plus LIFE

By Gabriele Amersbach

Her enthusiasm for the shop has rubbed off on her family. Swanson notes that her grandson, a granddaughter in college, and her daughter are all avid bike riders.

Nannette Swanson explains that volunteering with Recycle Bicycle Harrisburg has been the perfect solution to the Bringing the Whole quarantine restrictions. Community Together “I can’t sit in this house. I Swanson explains that riding have to be doing something for a bicycle is a great way to see the community,” she says. Harrisburg, and the shop So instead of sitting on her brings the whole community couch, munching snacks, and together. bingeing on TV like so many of Shop partners include us, Swanson, 75, learned how the city of Harrisburg and to change tires, fix brakes and Mayor Eric Papenfuse and the chains, scrape rust, and spray Harrisburg Bureau of Police, paint donated bicycles. along with local companies, Her interest in the bike shop educational institutions, started when she was looking and religious, communityfor something to engage her advocacy, and social-assistance 14-year-old grandson. They organizations, as well as other stopped at the neighborhood Swanson with a truckload of bicycle shops. bike shop. After a brief 73 restored bicycles on their Recycle Bicycle Harrisburg conversation, Dan Ellenberger, way to Africa. was started in 2000 by Ross who works at the shop, asked Willard, who noticed that her if she wanted to volunteer. most of the bikes that the kids It didn’t take her long to in the neighborhood were agree. riding did not have working “I have four kids and always brakes. He started to repair put their bikes together. My bicycles on Harrisburg street husband didn’t do it. I was sort corners, at block parties, and at of adventurous,” says Swanson. multicultural festivals. Now she volunteers at the As word spread and demand nonprofit bike shop three days grew, Willard recruited a week. volunteers to help repair the “There are a lot of people bikes from his garage and who can’t afford new bicycles,” basement. she says. “Kids from the Eventually, the organization neighborhood come in, and we grew too large and moved into give them the parts, then help a large, empty basement; later, them fix their own bicycles. they rented rundown warehouse Others get reconditioned bikes space. Before the pandemic, the to ride.” Swanson won the 2011 nonprofit was finally able to buy She explains the bikes give Ms. PA Senior America competition and was second a permanent home for Recycle local children a wholesome runner up at the national Bicycle Harrisburg, an older, activity, while adults also enjoy competition in Atlantic City. 9,000-square-foot warehouse at getting bicycles to ride for sport 1722 Chestnut St. in Harrisburg, and pleasure. Many belong to a with enough space to grow. local bike club that rides on the An all-volunteer crew rehabbed the whole space, Capital Greenbelt, a scenic way to get around the including the entire electrical system, plumbing for whole city. ADA bathrooms, and framing. The work continued Swanson is always on the lookout for family, during the 2020 shutdown, since bicycle shops in friends, and neighbors. Pennsylvania were declared essential businesses. “I even found two trike bikes (three-wheeled Volunteers like Swanson are continuing to build bicycles) and gave them to friends. Working here community spirit by recycling both used and has kept me inspired.”

new bicycles back into the community. The nonprofit accepts bikes in any condition, donated parts, and volunteer service hours.

“At one point, I wanted to be a blues singer,” she remembers. Instead, her performance interests took another direction when, at age 15, she joined the Scott White Family evangelistic crusade. She continued Keep ’em Guessing her interest in Christian outreach when she earned her bachelor’s degree in For Swanson, volunteering at the bike shop is just the latest stop on her religious education at the New Jersey Bible Institute. lifelong mission of lending a helping hand. Swanson started reaching out to Since then, Swanson has led a joyous life of service and exemplifies her her neighbors, even as a child. personal philosophy she has developed over the years. She remembers leaving groceries on the “Be your best person, have empathy, don’t doorstep for needy neighbors: “We were living in be so hard on people, and don’t judge — you the projects. There’s always a need.” don’t know what they are going through,” she Her motivation has always been her strong explains. “Everything goes away except what you Christian faith. She calls herself “God inspired” do for God.” and explains, “I’m just following his footsteps, Most recently, Swanson participated in a guiding me to do this stuff.” community performance with drummers, Swanson worked full time for the state in the dancers, poets, and singers celebrating Black tax credit division, doing clerical work at the History Month. She sang songs from enslaved Labor & Industry Building while she raised her people and discussed their legacy. four children. Even as a busy divorced, single Playing with her 11 grandchildren is an mother of four, she continued her work in the ongoing joy. And while she sold her Kawasaki community, often through her church home, the 250 motorcycle after two falls, she still owns a New Hope Living Baptist Church. scooter that requires some work. Her friends at Most recently, Swanson helped to organize the bike shop are happy to help. Swanson working on a bike at food bank donations to families and breakfast Swanson is grateful for every opportunity to Recycle Bicycle Harrisburg. and lunch meal bags for children who were serve and doesn’t look for accolades. not able to get meals at their schools during the “I’ve been around a long time,” she says. “God pandemic lockdown. keeps me healthy and in my right mind. My reward is in heaven.” She also helped with Toys for Tots and continues to volunteer on the Roar On the cover – Nannette Swanson, left, with Pastor Freddie Salas of Team at Penn State Health, providing transportation to doctor appointments. Capitol City Community Church, whose lot adjoins Recycle Bicycle Since Swanson has always enjoyed working with children, she volunteered Harrisburg’s. The bicycle shop donated repaired bikes for the church’s for 10 years at Melrose Elementary School. For two and a half years, she children as Christmas gifts. worked as a therapeutic staff supporter for a youth advocate program for children with behavioral issues who were in the legal system. “We learned how to calm them down and keep them on track,” she explains. With so many volunteer interests, Swanson confesses, “My kids always ask, ‘Mom, what are you going to do now?’ I like to keep ’em guessing!”

Why Newspapers?

Everything but the Swimsuit Competition Music has also played a central role in Swanson’s life. As a performer, she sings both gospel and contemporary music. In 2006, she joined the PA State Senior Idol competition and performed with other contestants at the Dutch Apple Dinner Theater in Lancaster. In 2011 she decided to compete for Ms. PA Senior America in York. “We did interviews, talent performances, ball gown competitions, and discussed our philosophy of life — in other words, everything but the swimsuit competition!” she says with a smile. Her prayer song helped her to win the competition and continue on to the national competition in Atlantic City, where she won second runner up. “I’m still involved with the group. We perform in the community and at senior centers — wherever they’ll have us,” Swanson explains. When the Capital Dinner Theater was still open, she also performed in popular shows like The Wiz. One of her favorite memories from those days was meeting Sherman Hemsley, known for his role as George Jefferson on the sitcom The Jeffersons. Currently, she combines her love of music and volunteering by performing in senior centers and nursing homes with the Sentimentalists, a group of singers from around the state whose director, Merle Millhimes, is a 92-year-old powerhouse. “I know a lot of amazing women of all ages,” says Swanson. Her lifelong love of music and performance began early in childhood when Swanson and her family sang at church, at school, and on neighborhood street corners.


of Baby Boomers have taken action as a result of seeing an ad in a print newspaper in the past 30 days.2

Because in print or online, newspapers are

the most trusted source of news and information among all age groups.1

To advertise your products and services, call 717-285-1350 or email

50plus LIFE

Sources: 1Coda Ventures; 2NAA

July 2021



Puzzle Page

Solutions for all puzzles can be found on page 21. SUDOKU


Soup Fixings Barley Beans Beef Beets Broth Carrots Celery Chicken Clams Corn Ham Herbs Lentils Noodles Onion Peas Pepper Rice Salt Tomato

Across 1. Yield 5. Dined 8. Banded stone 13. Energy type 14. Zilch 15. Pitch 16. Peanuts character 18. Singer Lenya 19. ___ Baba 20. Food container 21. More, in Madrid 22. Zoologist’s foot 23. Tweety’s long-suffering bud Down 1. Ice chest, for one 2. Carol Lay comic strip 3. Family man 4. Formerly, once 5. Nom de plume 6. Twitch 7. Antlered animal 8. Map collection 9. Casper was a friendly one 10. Gallery display 11. Moppet 12. Ram’s mate 13. Trade 17. Sequel to Angela’s Ashes 21. Copper and gold, e.g.

28. Rip apart 31. Encounter 32. Henpeck 34. Alley ___ 36. Seize 38. Chemical suffix 39. With 43 Across, Cookie’s parents 43. See 39 Across 45. ___-Wan Kenobi 46. Coral ridge 48. ___-Foy, Que. 49. Annex 50. Yarn 24. Race unit 25. Action word 26. Chisholm Trail town 27. Hindu princess 29. Immediately 30. Kind of prize 33. Force unit 35. Verse 37. Two out of two 39. Female hare 40. Qualified 41. Fish part 42. Unhearing 44. New (prefix) 47. Winter woe 51. Swirled

52. Vagabond 55. Bugs Bunny torments him 59. Play part 61. “___ luck?” 62. Immerse 64. Type of shirt 65. Maxim 68. Cartoon superhero 71. Animal toxin 72. Vein contents 73. Jack’s foe 74. Bother 75. Silent assent 76. Without (Fr.) 53. Caped Crusader 54. Arctic and Indian, e.g. 56. Jim Backus was the voice of Mr. ___ 57. Foe 58. Accomplished 60. Camping gear 63. Cribbage game pieces 65. Gardner of Mogambo 66. Cozy room 67. Gothic author Radcliffe 68. Ham, to Noah 69. Paid player 70. River inlet

Your ad could be here on this popular page! Please call (717) 285-1350 for more information.


July 2021

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Art & Antiques by Dr. Lori

Thrifty Products to Preserve Your Antiques Lori Verderame

You don’t need to invest in expensive products to protect, clean, or display your fine art or antiques. Since we all have to watch our pennies in today’s economy, here are some money-saving tips and littleknown tricks to keep your antiques and artwork in tiptop shape. Many of my audience members at my nationwide appraisal events have complained that white cloths and acidfree tissue paper, both staples for storing antiques and collectibles, are too expensive. Plain, white paper towels and plain coffee filters can, in some cases, be a cheap substitute. One of the most time-saving, useful, and inexpensive items on the market is the coffee filter. A generic, white coffee filter can be used in many ways and helps antiques lovers preserve their heirlooms.

good shape, and it was easy to do with just some thrifty reinforcements. For crafters, coffee filters and sheets of plain paper towel are cheap sources for cleaning and support backing. These materials are easy to tear for embroidery or appliqué of fabrics, too. Of course, this reinforcement solution should not be used on valuable antique quilts or historic samplers. When in doubt, consult a professional textile conservator.

Photo credit: Staff photographer,

Reinforce textiles with paper towels, and decorate pillowcases with embroidery scenes.

Sparkling Mirrors When cleaning mirrors or chrome, a coffee filter will accept a mild cleaning solution (like one part white vinegar to two parts distilled water), and its lintfree construction will leave the mirror shining. Always remember to dust your mirror’s surface first and then clean with a liquid solution. As with any cleaning process, be sure to remove all of the liquid from the surface of the antique mirror. I have often advised clients and audience members that those circa-1960s foam-china separators are damaging your fine dinnerware. The old-fashioned foam separators can become discolored over time, give off gas and acidity, and stain your good china. To protect a set of fine china, try placing a piece of plain, white paper towel or a plain, white coffee filter (which is already circular-cut) between each china plate while in storage. Coffee filters are strong enough to use when applying silver or brass polish. The other benefit of using them is that they won’t leave lint on your antiquesilver serving tray like a cotton rag will. And when you are finished polishing, just throw it away. Vintage Textiles Reinforced I really like the look of vintage textiles, needlepoint, and quilts, and I know many of you want to keep these aging treasures in good shape. I fondly remember my Aunt Dorothy’s postwar-style kitchen with the redand-white tiles, Blue Ridge china, and Formica table. She decorated cheerfully with brightly colored, printed café curtains and cotton tablecloths. Instead of buying expensive bedsheets and pillowcases, she embroidered imagery onto plain, cotton pillowcases in the mid-1900s. To pinch a penny, she used her sewing talent and her World War II-era ingenuity to reinforce the back of the curtains, pillowcases, table covers, and kitchen hand towels with sheets of paper towel or thin, cotton cloth. By reinforcing the backside of these textiles, she extended their life — allowing me to enjoy them, even today. I’m grateful she kept them in such

You don’t have to spend a fortune to clean, store, and protect your antiques — you just have to think outside the storage box.

Dr. Lori Verderame is the award-winning Ph.D. antiques appraiser on History channel’s The Curse of Oak Island, about the world’s oldest treasure hunt. Dr. Lori offers free information about antiques appraisals and selling at and

Are you getting your share of the

SILVER ECONOMY? Which buyers make up the Silver Economy? • 962 million men and women over the age of 60 • A group with 11 times more wealth than millennials • Persons with a life expectancy in the U.S. is about 78.87 years • Persons who prefer in-person contact when possible • A group that wants to age at home as long as reasonable

Why do you want to reach these buyers? • They are free of many economic burdens • They like to take care of themselves, be active, eat well, be fashionable, and have fun • They have more free time • They are looking for products and services to help them age well

What sectors are on the rise? The obvious:

The not-so-obvious:

• Home improvements/renovations • Tourism and leisure activities tailored for them • Caregiver solutions • Financial products geared for seniors • Retirement living

• Security technology – mobile apps, sensors, wearable devices, smart clothing, etc. • Pet care – pet sitting, walking, grooming, food, accessories, etc. • Gardening/lawn services combined with snow removal • Mobile esthetic and concierge services – hairstylist, manicurist, massage, facials • Personal services – running errands, shopping

What are you waiting for? 51% of people aged 52-70 spend fewer than 11 hours a week online. While businesses need an online presence, print adds power to a media campaign. Most boomers and seniors are open to and love classic media.

50plus LIFE—Covering Chester, Cumberland, Dauphin, Lancaster, Lebanon, and York counties—is an excellent venue!

Call to learn how we can help you reach our 150,000+ readers of 50plus LIFE! 717.285.1350 or email

50plus LIFE

July 2021


Savvy Senior

Medicare Coverage Options for Retirees Eager to Travel

Jim Miller

Dear Savvy Senior, What are the best Medicare coverage options for COVID-vaccinated retirees who are eager to travel? My wife and I will both turn 65 over the next few months and would like to know which Medicare plans are best for extensive travelers. – Almost 65 Dear Almost, The best Medicare plans for retirees who plan to travel will vary depending on your destinations. But, before you book a trip, make sure you know the current CDC COVID-19 travel recommendations (see, and research your destinations too so you can know if restrictions apply wherever you’re going.

About Us – The Lancaster County Office of Aging (LCOA) was established 45 years ago as a







AC Y •





Medicare Review Before we dissect how Medicare works for travelers, let’s start with a quick review of your different Medicare options. One option is original Medicare, which covers (Part A) hospital services and (Part B) doctor’s visits and other medical services.



If you choose original Medicare, you may also want to get a Medicare (Part D) prescription drug plan (if you don’t already have coverage) to cover your medications and a Medicare supplemental (Medigap) policy to help pay for things that aren’t covered by Medicare, like copayments, coinsurance, and deductibles. Or, you could get a Medicare Advantage (Part C) plan instead, which is sold through private insurance companies. Advantage plans cover everything original Medicare covers, plus many also offer prescription drug coverage and extra services like vision, hearing, and dental care all in one plan. For help evaluating your options, contact your State Health Insurance Assistance Program (see, which provides free Medicare counseling. You can also shop and compare Medicare health and drug plans and Medigap policies at Also note that whatever Medicare plans you choose to enroll in, if you find they are not meeting your needs or your needs change, you can always switch to a different plan during the open enrollment period, which is between Oct. 15 and Dec. 7.


Lancaster County Office of Aging Maintaining the independence and quality of life for seniors through information, services, and protection since 1974.

result of the passage of the Older Americans Act. This act directed states to develop a network of services and supports to help keep older adults healthy and independent. The Pennsylvania Department of Aging was created to fulfill this mandate. In turn, a network of 52 Area Agencies on Aging (AAA) was established throughout the commonwealth to carry out this mission at the local level. Funding for aging-related services is a combination of state and federal monies, with the Pennsylvania Lottery providing the major source of funding. In Lancaster County, the AAA is part of county government. We are dedicated to providing Lancaster County residents, 60 years of age and older, with a wide range of informational resources and services as well as advocacy efforts and elder abuse protection. The LCOA offers the following services:

Our Philosophy:

• Information and referral services

u  Support

the older person’s right to decide his/her own destiny. Encourage consumer self-determination and choice.

• Long-term living assessments • H  ome and community-based support services

u  Support

the older person’s right to risk.

• Protection from abuse and neglect

u  Promote

independence and dignity.

• A  PPRISE, Medicare, and related health insurance counseling

u  Avoid

unnecessary/inappropriate institutionalization.

• Senior center services

• • • • • • • •

Adult daily living services Caregiver support Employment Ombudsman services Transportation Legal services Health and wellness programming Volunteer opportunities

For more information, please call us Monday – Friday from 8:30 a.m. – 5 p.m. at 717-299-7979/1-800-801-3070, visit our website at, or email


July 2021

50plus LIFE

U.S. Travel If you and your husband are planning to travel domestically, original Medicare may be the better option because it provides coverage everywhere in the U.S. and its territories, as long as the doctor or hospital accepts Medicare. Medicare Advantage plans, on the other hand, which have become very popular among new enrollees, may restrict your coverage when traveling throughout the U.S. This is because most Medicare Advantage plans are HMOs or PPOs and require you to use doctors, hospitals, and pharmacies that are in the plan’s network within a service area or geographic region. So, if you’re traveling outside that area, you may need to pay a higher fee, or your services may not be covered at all. If you do decide to enroll in a Medicare Advantage plan, be sure you check the benefit details carefully to see what costs and rules apply when traveling outside your service area. Traveling Abroad If you’re planning to travel abroad much, a Medicare Advantage plan may be a better option because many Advantage plans today offer emergency care coverage outside the U.S. But be sure you check before you choose a plan

because not all plans offer it. Original Medicare, on the other hand, does not provide coverage outside the U.S. and its territories except in rare circumstances (see travel), and Medicare drug plans will not cover prescription drugs purchased outside the U.S. either. But if you do choose original Medicare, you can still get some coverage abroad through a Medigap policy. Plans D, G, M, and N will pay for 80% of medically necessary emergency care outside the U.S. to new enrollees, but only for the first 60 days of the trip, and you have to meet an annual $250 deductible first. There’s also a lifetime limit of $50,000, so you’d need to cover any costs above that amount. Some beneficiaries, regardless of their Medicare coverage, purchase travel medical insurance for trips abroad, which you can shop for at InsureMyTrip ( or Squaremouth ( Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit Jim Miller is a contributor to the NBC Today show and author of The Savvy Senior book.

The Bookworm Sez

Terri Schlichenmeyer

Nazi Wives: The Women at the Top of Hitler’s Germany

Stand by your man. looking Reinhard Heydrich. That’s what the old song says you’re supposed to And Magda Quandt, after marrying Joseph do: stand by him, support him, tell him when he’s Goebbels, agreed to an intimate triangular right and when he needs to reconsider his stance. relationship that included Adolf Hitler … Stand by him, not as his lesser but as an equal in In his introduction, author James Wyllie says he a life plan that benefits you both — but, as in the decided to write on this subject because it’s rarely new book Nazi Wives by James Wyllie, give him a covered and that in his research, he found “gaps good shove first. and chunks of time” unaccounted for in the lives In the years after World War I, Adolf Hitler had of Nazi brides. been quietly building a group of elite and powerful Sadly, these “gaps” are chasms, and they make men for “a national revolution.” Nazi Wives repetitive, sometimes confusing, and He’d been thinking about it for a while, and he only mildly interesting. Photo credit: Barbara Wyllie knew that war hero Hermann Goering would be To be sure, there’s a lot about the inner-circle Nazi Wives: The Women at the an “asset” to his group, though Goering apparently (male) Nazis here: their childhoods, mindsets, Top of Hitler’s Germany didn’t feel the same sense of urgency to join the careers, wealth, homes, and mistresses. We learn By James Wyllie fledgling Nazi party. about Adolf Hitler’s loves and his temper tantrums; c. 2019, St. Martin’s Press Goering’s wife, Carin, however, “worshipped there’s a bit about World War II battles and 288 pages the ground Hitler walked on,” and that ultimately marches and atrocities, but really not much. sealed the deal for Goering. No, the assumed focus is on Nazi wives, as per Gerda Buch was still a child when she met the man she would call “Uncle the title, but Wyllie’s aforementioned dearth of information leaves readers with Adolf,” who became a guardian-mentor of sorts and was influential in young subjects who aren’t fleshed out nearly enough. Gerda’s upbringing. Once she was an adult, the influence extended to her What we get are compelling facts mixed lightly with inferences and marriage to Martin Bormann. scandalous gossip, like a one-time banquet before a steady diet of supermarket Ilse Pröhl stood by her boyfriend, Rudolf Hess, even when he was in prison. tabloids. She reportedly wasn’t happy with the chaste aspect of it, but she was impressed Will the few well-told stories — the lives of the Bormanns, the end of with Hess’s relationship with Hitler and his influence in the writing of Mein Magda Goebbels — save this book? Kampf. Hard to say; World War II scholars might be intrigued with Nazi Wives. After working as a nurse with the German Red Cross, Margaret Boden History buffs may be interested. Many readers, though, won’t stand for it. shared a love of alternative medicine with Heinrich Himmler, who was The Bookworm is Terri Schlichenmeyer. Terri has been reading since she was 3 years somewhat of a mama’s boy. old, and she never goes anywhere without a book. She lives on a hill in Wisconsin Emmy Sonnemann was her husband’s second wife, and she never quite with two dogs and 14,000 books. connected with Hitler as did her wedded peers. Lina von Osten was said to have been “breathlessly” captivated by the

50plus LIFE

July 2021


The Beauty in Nature

Dancing on the Ocean Clyde McMillan-Gamber

Two kinds of related oceangoing birds, Wilson’s petrels and Leach’s petrels, have several characteristics in common. These 8-inch-long birds are fascinating to watch dancing on the water while eating plankton, small crustaceans, and tiny fish from the open Photo courtesy of Nanda Ramesh oceans’ surfaces. I have Wilson’s petrel. viewed their entertaining feeding habits through videos on computer screens. While feeding, their wings are stretched out to catch the oncoming wind, which holds them just over the ever-pulsing swells. Meanwhile, their long legs alternately dangle and hop rhythmically in harmony with their wings, which pushes the petrels forward on top of the shifting waves as the birds pick morsels from the water’s surface with their beaks. Their wind-filled wings keep them from sinking as they bound along.


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A nature blog by Clyde McMillan-Gamber, retired Lancaster County Parks naturalist and longtime 50plus LIFE columnist PA7777


50plus LIFE

Nature’s Wonders

by Clyde

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constantly heaving swells. Near lookalikes, both kinds of petrels are dark brown, with white on the base of their tails. Both have nostrils in a fused tube on top of their beaks. And genders are similar in both species. Both petrel species annually raise one chick per mated pair in a crevice between rocks or in soil burrows in nesting colonies on islands in the oceans. Both parents of each pair feed their one youngster until it can fly and be independent. Wilson’s petrels nest on islands around Antarctica during its summer, our winter. Post-breeding Wilson’s drift north over the oceans during our summer to feed until our autumn, when it’s time to return to Antarctica to nest again. Leach’s petrel pairs rear offspring in summer on islands in the North Atlantic. Nesting in different hemispheres at different times reduces direct competition between these related petrels for food on ocean swells, which is one reason why both species are so abundant. Every niche on Earth is inhabited by at least one form of life. The unique and intriguing petrels are entertaining to watch gracefully dancing and feeding just above ocean swells. And they can be observed by videos on computers, if not in person. Clyde McMillan-Gamber is a retired Lancaster County Parks naturalist.

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Leach’s petrels.

Both kinds of petrels often patrol alone to get food. But sometimes they flutter gracefully over the oceans in loose little groups, each bird soaring into the wind on outstretched wings and pattering and bouncing lightly on the water on foot. They appear to dance on the water, but it’s their wings that hold them above the

Each story is like a walk with your own naturalist.

Pet of the Month

Chips Ahoy Hopping his way into the Pet of the Month spot is Chips Ahoy, an 8-month-old neutered male rabbit. His brother, Oreo, was adopted, and you know what they say about saving the best for last! When he thinks about his forever home, Chips Ahoy thinks of a big space with plenty of room to stretch his legs (and maybe even perform some binkies). He enjoys munching on fresh veggies and hay and sprawling out after his belly is full. Have room for Chips Ahoy in your life? Hurry in today! Chips Ahoy’s ID number is 228263. Please send your application to, or give the shelter a call at (717) 393-6551 to learn more.

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50plus LIFE

July 2021


The History of Ordinary Things

The Egg Carton & Other Egg Tidbits Doris Montag

Did you know? • Chickens were originally raised strictly as a source for eggs and were eaten only on special occasions or when a laying hen stopped producing eggs. • Egg production requires about 25 hours. Soon after an egg is laid, the process starts again. Depending upon the breed and conditions, a chicken will lay from 250 to 300 eggs per year. • In development, the shell material is applied around the soft yolk and white and only hardens as it meets air when it is laid.

Egg carton separation designs from the early 1900s.

As Americans moved off farms and into cities some 100 years ago, our source of eggs shifted from the henhouse to the grocery store. In the early 1900s, farm wives (typically) raised a chicken flock for their families’ egg use, selling the extra to grocers. Referred to as the “egg money,” it

created a regular source of income to buy the items they could not produce on the farm. Some egg farmers had flocks as large as 400. The eggs were collected in wicker or wire baskets, but these were neither stackable nor sturdy as the eggs bumpety-bumped aboard trains and carts into the cities. Transporting the fragile eggs to markets posed a special problem. In 1910, a U.S. Department of Agriculture (USDA) report estimated that breakage and spoilage cost $45 million annually. Soon inventors and tinkerers were competing for solutions to hold and carry whole eggs. Farmers took bulk eggs to town in egg crates using flats and individual separators. Women would bring eggs home from the grocer using their own homemade

wooden egg boxes. In 1911, British Columbian newspaper editor Joseph Coyle invented the egg box with the separation of eggs into individual snug compartments created with folded cardboard. The cardboard holder was hand glued into the

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The Lancaster County Office of Aging trains community members to serve as Volunteer Ombudsmen, advocating for residents of long-term care facilities. Duties include: • Educating residents about their rights

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July 2021

50plus LIFE

container until 1919, when Coyle designed a machine to make the egg boxes. In the ensuing 50 years, inventors filed dozens of patents for egg containers. In 1913, Popular Mechanics reported on the “Egg Crate for the Coat Pocket,” which targeted commuting businessmen bringing home eggs (along with the bacon). Two years later, the big innovation was the asbestos carton! The egg carton was further developed by H.G. Bennett (U.K.) during the 1950s. His carton had a dimpled, cup-like bottom, each holding an individual egg. This design, still in use today, successfully protects eggs against stresses during transportation by absorbing shock. Today, egg trays are used by processors. In some commercial operations, the eggs are cracked and transported to manufacturing sites as raw, liquid eggs. Today’s egg carton can be made of various materials, including foamed plastics, such as polystyrene foam or clear plastic, and may be manufactured from recycled paper and molded pulp by means of a mechanized papiermâché process. Although most people are familiar with cartons holding a dozen eggs, there are various sizes, with some designed to hold two (yes, two), six, eight, 10, 15, 18, or 20 eggs. More egg tidbits: • The color of eggshell a chicken will lay can be determined by the color of

the feathers on the chicken’s ear. (Did you know they had ears?)

• Different breeds produce varying shell colors, from the standard white shell to browns and blue-greens. Of note, there is no nutritional difference between brown, blue, or white-shelled eggs.




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• Many Americans have shied away from eggs because of cholesterol fears — despite their taste, convenience, and nutritional value. According to current USDA nutrition data, eggs are lower in cholesterol than previously recorded, perhaps due to new feeding programs. • More than 40 years of research has shown that healthy adults can enjoy an egg a day without increasing their risk for heart diseases, so enjoy a couple of deviled eggs today! Doris Montag is a homespun historian and an exhibit curator who researches and displays historical collections of ordinary things, such as can openers, crochet, toy sewing machines, hand corn planters, powder compacts, egg cartons, and more. Contact or follow her on Facebook, HistoryofOrdinaryThings.

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50plus LIFE

July 2021


Booming Voice

The Greatest Generation’s Last Witnesses Bill Levine

Recently, my retiree-age literature class was discussing the classic ’50s conformity novel, The Man in the Gray Flannel Suit, as if it were a gripping novel of World War II. In fact, there were raw scenes of the main character’s PTSD-inducing war experiences that impacted his rung climbing in the 1950s corporate world. Our teacher didn’t have to prompt us into evoking our own baby boomer memories of our dads as former soldiers. Once a classmate mentioned her father’s memory lockdown on his four years of World War II experience, other members marched behind her with their own tales of dads who were reluctant to discuss their overwhelming wartime experiences or who seemed to suffer from PTSD symptoms. I didn’t participate in this cogent reminiscing because my father’s short, stateside Army service is mundane when compared with tales of the Greatest


Generation. My father, Burt Levine, was just one of the 15,650,000 men in uniform and part of the 52% of all men 20–49 who served. The only action Burt witnessed were bar brawls in the dives off base. My dad said it wasn’t great being Jewish in the Army. He had been exposed to urban street-turf slurs growing up in Boston, but he shared barracks with soldiers who had never met a Jew or never met one they liked. But Dad, being a gregarious sort, did have Army buddies, and I got the impression these relationships made his 17 months of service more palatable. Though the only flamethrower my father witnessed was of a barracks wise guy lighting a match with flatulence, he was, to me, a brave soldier. Pvt. Levine had to crawl through barbed wire with real bullets whizzing over his head in basic training.


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Plus, he was apparently an injured soldier — I saw a tiny veteran’s disability check arrive monthly throughout my childhood. Dad said he fell out of a jeep. My collection of family photos includes only two taken of my father in uniform. One is a composite of his field hospital platoon taken in September 1943 at Lawson General Hospital in Atlanta. My father never extolled the virtues of Company A Third Platoon, but he did take the time to number and identify most of his fellow enlistees. That photo, though, captures the beginning of my father’s seminal U.S. Army experience that is concluded in a second picture. The second picture is a wedding-day snapshot of my parents and their wedding party, taken on Aug. 1, 1944, in Atlanta. My dad, in uniform, is next to my mom; they are flanked by my dad’s brother-in-law in uniform and my dad’s sister. Fanning out from this group are my mom’s three bridesmaids. Undoubtedly, these wartime wedding-party photos with grooms in uniform are a World War II trope, as they emphasize a grace-and-hope timeout from the coarseness and unfathomable uncertainty of war. A month after this wedding picture was shot, my dad was honorably discharged and had a new life as a dental student in St. Louis. His most valuable war souvenir was his honorable discharge pin, which he always wore in public to ward off evil eyes from people casting aspersions of draft dodging. During my father’s first semester of dental school, his old unit got shipped out to provide field medical support during the Battle of the Bulge. I learned this from Dad when I was an adult. When he said there were a lot of casualties in his old unit, it seemed he felt more lucky than guilty over escaping a hellish situation. I didn’t feel comfortable asking any follow-up questions. Even though my father’s wartime experiences were not on the Band of Brothers level, I have no doubt that his service strongly resonated with him over his lifetime. We baby boomers are the last witness cohort to the Greatest Generation. Ten to 15 years after the war, we were the ones who learned about our fathers’ World War II experiences or our fathers’ stonewalling of these experiences. We were the intimate witnesses to these former soldiers integrating into the civilian life of the 1950s and ’60s. We boomers are the generation that still has regrets today about questions not asked. The Greatest Generation is losing its last battle to a most formidable opponent: time. Very soon, all that will be left are a few hearty centenarians. As my dad’s wartime story shows, even stateside deployments are worth recounting for what was said and what wasn’t. Historians should be firing up their smartphone voice apps and recording boomers’ memories of their soldier dads. Bill Levine is a retired IT professional and active freelance writer. Bill aspires to be a humorist because it is easier to be pithy than funny. He may be reached at


What Does It Mean to Be a ‘Retirement Specialist’? Many people in the financial services industry say, “I specialize in retirement” or “I have a niche with retirees.” They probably manage retirement portfolios or sell retiree-related products, like annuities and long-term care insurance. Indeed, portfolio management and insuring against an extended stay in a skilled care facility are issues often faced by retirees. However, I believe an adviser who truly specializes in working with retirees needs to do more than focus on a retirement portfolio or insurance. Retirement specialization requires a deep understanding of the strategies and issues that are unique to retirees. A retirement specialist should understand how generating cash in retirement is different from just owning a diversified retirement portfolio that grows over time. Many retirees rely on portfolio withdrawals to supplement their income, and returns from investments can vary significantly from year to year. That makes proper management of assets and potential returns critically important. The importance of Social Security benefits to today’s retirees cannot be understated. There are techniques to use that may help seniors maximize benefits. One of the most important questions is — when should a retiree start drawing benefits? An adviser must weigh the relevant factors to get the correct answer for each person. There are special rules for divorcees and widows/ widowers that could impact this decision.

Medicare is a valuable source of health insurance for retirees, and healthcare expense is one of their top issues. Determining when to enroll (or delay), whether to enroll at all, and, if so, what choices to make within each plan can be highly confusing. A retirement specialist can help navigate this complicated system and help determine whether Medicare coverage alone will be enough. The retiree may need a Medigap supplemental policy, and there are many choices to consider in the Medigap arena. Income taxes can impact a retiree’s Social Security benefit, so a retirement specialist needs to be well versed in tax laws. A retiree can potentially have many options to save on taxes, especially if their retirement savings have been well planned. Planning when to draw Social Security benefits, structuring distributions from retirement accounts, and charitable gift planning can help minimize taxes. Medicare premiums are now means-tested. Those with higher income pay more in monthly premiums. Tax planning plays a critical role in keeping the cost of medical insurance low. Rodgers & Associates requires all their advisers to earn the Chartered Retirement Planning CounselorSM designation after working for the firm. To specialize in advising retirees, one needs the proper training to provide appropriate guidance on the essential issues they face. Call us at (717) 560-3800 to discover what a retirement specialist can do for you. 2025 Lititz Pike • Lancaster, PA 17601 • (717) 560-3800 ADVERTISEMENT

50plus LIFE

July 2021


Legal Ease

Jonathan J. David

Second-Marriage Complexities — and Several Solutions

Dear Jonathan: I am a 70-year-old widower who is newly remarried. It is also a second marriage for my wife, and we each have two children from our first marriages. We have been having discussions about putting an estate plan together. With the exception of our home and two bank accounts that we jointly own, we have maintained separate ownership of the separate assets we brought into our marriage. We agree that after the first one of us dies, the deceased spouse’s assets should be made available to the surviving spouse, to help with his or her care, if necessary. When the surviving spouse passes away, we want what is left of our combined assets to be divided equally among our four children. Can we accomplish that with a joint trust, or do we each have to prepare our own trust, which we are trying to avoid due to the added complexity and cost? Jonathan says: The question you pose is fairly common in second marriages. Let’s review your options and the potential consequences of exercising any of those options: 1. You and your wife could prepare a joint trust and transfer your joint assets, as well as your separately owned assets, to that trust rather than prepare separate trusts. This would be less complicated and cost less because there would only be one trust, not two. The assets in the joint trust would be available for the surviving spouse’s use and could provide that upon his or her death, the remaining assets would be divided between your four children in equal shares. The problem, however, is that because a joint trust remains revocable until

the death of the surviving spouse, the surviving spouse could revise the terms of that trust and redirect all of the trust assets at his or her death to his or her own children. 2. Instead of a joint trust, you could leave your home and bank accounts in joint names and create separate trusts to hold your separately owned assets. The jointly owned assets would belong to the survivor of the two of you. Each separate trust could name the other spouse and your four children as the beneficiaries. Although more costly and complicated than creating a joint trust, separate trusts will protect each of your children because the surviving spouse, although a beneficiary, has no control over the assets of the decedent spouse’s trust and would not be able to revise the terms of that trust or redirect the trust assets to the surviving spouse’s children. Instead, upon the surviving spouse’s death, the remaining trust assets would be distributed to your four children in equal shares. Keep in mind, however, that the surviving spouse could change the terms of his or her own trust and make sure that only his or her children receive the assets of that trust upon the surviving spouse’s death. 3. In addition to each of you preparing separate trusts, rather than owning your home and bank accounts in joint names, you could prepare a joint trust to hold those assets. Although this adds an additional layer of complexity and cost, the benefit of having a joint trust own the jointly owned assets is that those assets would not be subject to probate upon the death of the last to die of the two of you. 4. Finally, you could just create a joint trust and dispense with creating separate trusts. You would mutually decide what assets to place in that joint trust, understanding that the surviving spouse would control those assets and could redirect them to his or her own children upon death.

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To make sure that each of your children receives a portion of each of your estates, you could each name your own children as the beneficiaries of certain of your separate assets that remain outside of the trust. Those assets might include a life insurance policy or policies, certain bank and/or investment accounts, certificates of deposit, or perhaps even retirement accounts. Although your children would not necessarily end up being equal beneficiaries, by taking this approach, you will at least guarantee they will be partial beneficiaries of each of your estates, regardless of what happens to the assets in the joint trust upon the surviving spouse’s death. I recommend the two of you consult with an estate planning attorney, who can discuss this with you in more detail and help you prepare an estate plan that protects both of you, as well as your respective children. Good luck. Jonathan J. David is a shareholder in the law firm of Foster, Swift, Collins & Smith, P.C., 1700 E. Beltline N.E., Grand Rapids, MI 49525.

Sixties Flashback

A Strange Way to Make Big Money Randal C. Hill

Have you ever heard of musician Billy Strange? Born William Everett Strange in 1930 in Long Beach, California, he became an in-demand session guitarist/arranger in Hollywood and recorded with such top-drawer artists as Elvis Presley, the Beach Boys, Cher, and Nancy Sinatra. One afternoon in the early ’60s, Strange received a huge royalty check for a throwaway ditty he had created previously on a whim. He felt certain that a mistake had been made and called the issuing office. That’s when he was told, “Mr. Strange, the money is all yours.” ...

A few weeks later, Strange found himself at work in a recording studio. A friend there, a music composer named Basil “Buzz” Adlam, had just started a smalltime music company and announced he was on the lookout for some fresh material to record. “Buzz, you know, I might have one,” Strange responded half-seriously as he recalled his silly “Monotonous Melody” tune. Strange and some other session pals tried a few Photo credit: Billy Strange Music different tempos and styles before settling on a Billy Strange in the studio with Elvis. calypso approach to the foolish work. By the time the musicians had repeatedly sung “What a monotonous melody,” they were all in hysterics. After hearing the playback tape, Strange himself admitted, “That’s just about His quirky tale began at an all-night Hollywood diner, where he and a the dumbest thing I’ve ever heard.” musician pal gulped black coffee in attempts to become sober enough to drive A few weeks later, Strange got a phone call from Dave Burgess, who led the home. instrumental group the Champs (of “Tequila” fame). Burgess wanted to put Eventually, they climbed into their car and cautiously motored off. Fighting “Monotonous Melody” out as the next Champs 45, but with a title change. to stay awake, Strange twirled the car radio dial for a while before settling on a Strange didn’t care, saying, “It never really had a name anyway.” Only later local country station that was playing a tune that he detested. did the musician find his tune became a Top 40 instrumental under the name “Man, I can write a song better than that in five minutes,” he boasted with “Limbo Rock.” (Dancing under a limbo bar was a popular party activity back a slur. That’s when his equally inebriated companion slapped a hundred-dollar then.) bill on the seat between them and said, “OK, Billy, you’re on!” Then Chubby Checker’s manager, Jon Sheldon, phoned to ask permission to With a chortle, Strange reached into the car’s backseat for a blank score pad, add lyrics to “Limbo Rock” and release it as hitmaker Checker’s next 45. which he used to sketch out arrangements for his session-musician work. He Strange’s check was for $63,000 — about $450,000 today. Not a bad payday quickly came up with a catchy song that he laughingly dubbed “Monotonous for five minutes’ work from a tipsy tunesmith trying only to win a bet. Melody.” Although Randal C. Hill’s heart lives in the past, the rest of him resides in Bandon, He then sang it, tossed the pad back, and — unchallenged — stuck the Ore. He can be reached at money into his pocket.

‘We Hold These Truths to Be Self-Evident …’ On July 4, Americans celebrate the signing of the Declaration of Independence. The Declaration was officially adopted by the Continental Congress in Philadelphia on July 4, 1776, although Congress formally declared independence from Great Britain on July 2, and the Declaration wasn’t signed by all 56 members until August. Some other facts about the founding document of the United States that you may not know: • There’s a message on the back. No, it’s not an invisible treasure map (as in the Nicolas Cage movie National Treasure). The words “Original Declaration of Independence, dated 4th July 1776” appear on the reverse side of the document on display in the National Rotunda, at the bottom and upside down. • About 200 copies of the Declaration were immediately produced by printer John Dunlap for distribution through the 13 colonies. Of these original

“Dunlap broadsides,” 26 still exist. • The original document wasn’t printed on paper but “engrossed” on parchment. Engrossing is a process for preparing an official document in large, clear handwriting. • At the bottom left corner of the Declaration is an unidentified handprint. Historians speculate that it’s the result of the document’s being rolled up for transport and handled by various people for extensive exhibition in the early years of its existence. • The two youngest signers of the Declaration were Thomas Lynch Jr. and Edward Rutledge, both of South Carolina, both 26 years old at the time. The oldest signer was Benjamin Franklin, 70. Nine of the original signers died before the American Revolution ended in 1783.

50plus LIFE

July 2021


Willing to Wander

Traveling Back to the Past By Victor Block

A longtime friend is channeling his childhood. While a youngster, he collected baseball cards that he stored in boxes and treasured as souvenirs of America’s favorite pastime. Decades later, Founded in 1969, the Norman Rockwell Museum he’s reliving that in Stockbridge, Mass., houses 998 of the artist’s time while visiting original paintings and drawings. the National Baseball Hall of Fame and Museum in Cooperstown, New York. Opportunities to recapture memories from the past aren’t limited to baseball, or New York. From Coca-Cola to cars, movies to museums, chapters

The ultimate resource for boomer and senior living and care options.

of times gone by await discovery. Some may be close to where you live. One exhibit at the Baseball Hall of Fame traces the history of the cardboard collectibles from 1878 to today. Another showcases cards imprinted with the photo and statistics of famous Route 66 was once the primary thoroughfare for players like Babe Americans migrating westward. Ruth and Jackie Robinson. A surprising twist is a section devoted to “error cards,” which had misspelled names and other mistakes. Paintings, rather than pitches, also prompt memories of the past, and few

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evoke nostalgia more than those Texas has been and is still of Norman Rockwell. His images cowboy and cowgirl country, so it’s portrayed virtually every aspect no surprise that wranglers in Fort of American life and culture. His Worth may ride their steeds into best-known works were cover the Coyote Drive-in. Convenient illustrations for Saturday Evening hitches provide a place for patrons Post magazine between the 1910s to park their animals as the movies and 1960s. are shown. The Norman Rockwell Museum Through the early to midin Stockbridge, Massachusetts, 1900s, U.S. Route 66 was a is home to a treasure trove of the primary thoroughfare followed by artist’s paintings, sketches, and adventure seekers, people migrating studies. westward during the Dust Bowl Shaving mugs, colorfully striped days, and others. poles, and elaborate padded chairs It was one of the original roads are among exhibits at another in the national highway system museum. The National Barber commissioned by the federal Arriving by horse at the Coyote The entire menu of The Coffee Shop in Museum and Hall of Fame recalls government in 1926. It ran nearly Theater in Fort Worth, Texas. Jackson, N.C., is priced below $10. the heyday of old-fashioned 2,550 miles from Chicago to barbershops and traces the history California, passing through eight of barbering back to the Egyptian states. pharaohs, when instruments were Route 66 was immortalized in the novel fashioned from oyster shells. The Grapes of Wrath by John Steinbeck, in The Hall of Fame honors giants of the a 1960s television series, and by the popular trade, like the man who founded the first song “Get Your Kicks on Route 66.” While barber school in the United States in 1893. it has been replaced by other stretches of Two iconic brand names that have been road and removed from the U.S. highway known around the world for decades are system, sections in Illinois, Missouri, New celebrated in other places. The World of CocaMexico, and Arizona have been designated as Cola in Atlanta traces the history of that a National Scenic Byway. beverage with a film, artifacts, and interactive In places, old-time diners and quirky shops exhibits. dredge up memories of Route 66’s former A Coke syrup urn from 1896 sets the stage, glory days. POPS in Arcadia, Oklahoma, is and a Virtual Taste Maker invites visitors to fronted by a 66-foot-tall soft drink bottle that create flavors the way early pharmacists did. advertises the fact that it serves more than 700 One high point is the Vault of the Secret flavors of soda pop. Formula, where the legendary recipe for the The aptly named Midpoint Café in Adrian, An abandoned gas station on Route 66. soft drink is secured. Texas, touts itself (almost accurately) as The story of an older creation is told at situated at the center of the original route. It is the Levi Strauss Visitor Center in San Francisco. It began in 1852 when an also famous, or infamous, for its Ugly Crust Pies. immigrant by that name from Bavaria opened a dry-goods store during the The title of longest-running restaurant belongs to Ariston Café in Litchfield, height of the Gold Rush. Illinois, which has been feeding hungry diners since 1935. When he patented the process of putting rivets in pants for strength, the After gallivanting around the world, Victor Block still retains the travel bug. He world’s first jeans were born. That’s part of what comes to life at six museumbelieves that travel is the best possible education. A member of the Society of quality pavilions. American Travel Writers, Victor loves to explore new destinations and cultures, and Any back-to-the-past journey requites places to eat; some immerse diners in his stories about them have won a number of writing awards. the feel, and food, of yesteryear. The Forks Resort Restaurant, a lakeside diner in the Sierra National Forest, has been family owned for four generations. The California eatery has a 1950s diner setting and prices to match. A Capital City Foot & Ankle Center hamburger costs $5.60, a double burger $6.95. Hungry folks often end their Accepting New Patients! meals with old-fashioned ice cream pie, washed down by a root beer float. At The Coffee Shop in Jackson, North Carolina, the entire menu is priced We offer state-of-the-art services below $10. The popular spot has been serving home-cooked meals since 1926 for all ankle and foot disorders. in an atmosphere enhanced by vintage photos, signs, and an old jukebox. What could be finer after dinner in a diner than taking in a drive-in movie? Dr Ijaz A. Zia, DPM Back in the 1950s, more than 4,000 drive-in theaters dotted the American Podiatric Physician & Surgeon landscape and were a popular pastime place for people of all ages. While only about 325 outdoor motion-picture venues are operating Location – Behind Sam’s Club throughout the country today, they continue to offer hints of history. #FOU$SFFL#MWEt.FDIBOJDTCVSH1" The past meets the present in Atlanta at the Starlight drive-in, which has 1ItXXXDBQJUBMDJUZGPPUBOLMFDPN been a local landmark since 1949. The Art Deco décor, choice of four screens, and appeal of natural social distancing are among attractions that account for Medicare patients are eligible for home visits. its continued popularity. 50plus LIFE July 2021 19

Better Ways to Avoid Estate Taxes than Putting Your Cash under the Mattress By Marni Jameson

Benjamin Franklin once wrote, “In this world nothing can be said to be certain, except death and taxes.” He was right. Although going to great lengths to avoid either is a proverbial waste of time, tax and estate-planning experts often hear of folks who tried to “dodge the taxman” to maximize what they would leave to their heirs. Such efforts often backfire. One of the most common ways people try to avoid having their money go to the government when they die is to hide cash. However, when your money is in cash outside the protection of a financial institution — as in, stuffed under a mattress, in a plastic bag in the freezer, under a stair tread, or in a safedeposit box to which multiple people have access — it is unlikely to wind up going where you want it to go, say seasoned trust and estate-planning experts. The first person who gets to it will bury it in a hole in the backyard and claim they never saw it or that the safe-deposit box was empty when they got to it: game over. Better options exist. Just as you can reduce your income tax through deductions, exemptions, and credits, you can use similar legal vehicles to reduce estate taxes. Here are some options: Know the limits. First, find out whether your estate will owe anything. Realistically, most estates don’t have to pay the estate tax because the limits are so high. Straightaway, under today’s guidelines, every individual has an exemption credit of $11.7 million. That means they can gift that amount directly to their heirs without owing any federal estate taxes. For married couples, that exemption is over $23 million. So, unless you will be leaving more than that, paying federal estate tax is not a concern. If an individual leaves more than $11.7 million, only the amount over that is subject to tax. But those taxes are steep: The federal estate tax was up to 40% in 2021. (Because these numbers change, be sure to consult your accountant or estate attorney.) Check state law. Whether your estate will owe state taxes depends on where you live.


July 2021

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According to the Tax Foundation, the following 12 states plus the District of Columbia have estate taxes: Connecticut, Hawaii, Illinois, Maine, Maryland, Massachusetts, Minnesota, New York, Oregon, Rhode Island, Vermont, and Washington. The following six have inheritance taxes: Iowa, Kentucky, Maryland, Nebraska, New Jersey, and Pennsylvania. (Maryland is the only state that has both.) Spouses are protected. If you’re married when you die, a marital deduction lets you leave your estate, regardless of its size, to your spouse taxfree. Leave some to charity. If avoiding taxes is your top concern, one option is to donate any amount beyond the taxable threshold to charity. Such contributions are 100% tax-free and, thus, can greatly reduce what a person’s estate will owe in taxes. Set up a charitable remainder trust. Work with an adviser to create a charitable remainder trust, which takes assets from the donor’s estate to set up a separate trust. That trust creates an income stream back to the donor or to his or her beneficiaries while they are alive, and then the remainder goes to a designated charity. Get life insurance. If you’re among those who have more than $11.7 million to leave to loved ones, consider buying a life insurance policy. Life insurance can be set up so it’s estate-tax-free, which makes it a great planning tool. With good planning, you can get both spouses’ tax exemptions, throw in life insurance, and avoid all taxes, say experts. Consider creating a trust. Having assets in a trust (a legal entity that holds assets on behalf of an individual) adds greater asset protection than a simple will does. Besides helping insulate an estate from paying taxes, a properly created trust can protect assets from creditors and prevent money from going to those outside the bloodline. Putting cash in the freezer or under a stair tread doesn’t do any of that. It’s simply bad planning. Marni Jameson is a nationally syndicated home and lifestyle columnist and author of six books, including the just-released What to Do With Everything You Own to Leave the Legacy You Want — From-the-Heart Estate Planning for Everyone, Whatever Your Situation ( You may reach her at

Melinda’s Garden

Vacation Care for Container Gardens Melinda Myers

Puzzles shown on page 6.

Puzzle Solutions

Planning Test whatever a few long system you create weekends or before leaving a vacation on vacation. You may have you want to make rethinking your sure everything garden plans. is in place and Don’t let time working. away from home For short trips, stop you from consider using growing flowers a wine bottle and vegetables or 2-liter soda in containers. bottle. They can Irrigation be used alone Photo courtesy of systems with or combined Water or wine bottles can be used alone or combined with commercial products timers and selfwith commercial to help regulate the flow of water to container gardens while away on vacation. watering pots products to help are options to regulate the flow. make container gardening and vacation care easier. You may, however, just Just punch a hole in the soil and insert a water-filled wine or soda bottle. be looking for ways to adapt your existing container gardening care while on With cap in place, punch 10 holes in the bottom of the plastic bottle before vacation. filling with water and setting in the soil. Evaluate and test how many bottles Find a plant sitter, and take time to provide needed plant-care instructions. you need per pot and how long they can sustain your plants. It can be difficult, but you may be able to convince the person stopping by to Increase the water-holding ability of your potting mix with a product like feed the cat to also water your plants. Wild Valley Farms’ wool pellets. This organic soil additive made from wool Move containers to a shady spot to extend the time between watering. Make waste holds up to 20% of its weight in water. It releases water as needed, so sure the hose is handy. The easier the task, the more likely it will be done and you do not have to water as often. your plants will survive. Sweeten the deal by offering to share the harvest or Further reduce the need to water by growing more drought-tolerant plants. return the favor when they leave town. Zinnias, lantana, sunflowers, and succulents look beautiful and tolerate drier Create your own self-watering system with a 5-gallon bucket and strips of soil conditions. absorbent material, like cotton fabric strips or rope, to serve as wicks. Place the A beautiful and productive container garden does not have to stop you bucket amongst your containers. Run the fabric wick from the 5-gallon bucket from enjoying a long weekend or vacation out of town. Make plans for your into the drainage holes of your containers. container gardens as you plan your next trip. As the soil dries, the water will move from the water-filled bucket into Melinda Myers has written more than 20 gardening books, including Small Space the container, moistening the soil. Use long wicks that reach and rest on the Gardening. She hosts The Great Courses’ How to Grow Anything DVD series and bottom of the bucket. Add a lid with holes for the wicks to slow evaporation. the Melinda’s Garden Moment TV and radio program. Myers is a columnist and Use an individual setup to create a water reservoir for each container. Set contributing editor for Birds & Blooms magazine. each pot on its own enclosed, water-filled container. Cut holes in the lid of the container and run wicks into the drainage holes of the pot.

50plus LIFE

July 2021


The Top 10 Countries for Relocating Retirees By Chris Orestis Retiring outside the United States has been growing in popularity for a number of years. There are many attractive benefits for older adults, such as warm climates, welcoming locals, delicious food, new adventures, and a lower cost of living to give your money more value. But going on vacation is not the same as living abroad, and making the move requires some careful thought and research to make sure you are well informed. There are a number of factors that must be considered and then weighed in importance to you when deciding where to retire overseas. Top Factors for International Retirement:

2. Panama ($1,100/month) – Climate, cosmopolitan living, strong expat network, English commonly spoken, good healthcare system, uses U.S. currency and low taxes, National Senior Discount Program, low cost of living 3. Spain ($1,200/month) – High quality, inexpensive food, low cost of living, beaches and mild weather, diverse climate, good healthcare system

5. Peru ($2,000/month) – Exotic living, climate, low cost of living 6. Portugal ($1,700/month) – Friendly, safe and stable, English commonly spoken, beaches and cosmopolitan living, climate, low cost of living, easy visa with Golden Visa if prove $1,200/month income

It is important to understand the foundation for your new life living outside the United States. Start with your cost of living: Do you want to live where it is cheaper, or is cost of living not an issue? Make sure you are comfortable with the climate and understand how the seasons unfold over the course of a year. You will need to communicate with your fellow residents, so be sure you can learn a new language or seek out where English is commonly spoken. Another language you will need to be comfortable with is commerce, so understanding how banking and the local currency works will be important. Take time also to understand how the legal and government system works so you can feel comfortable you are moving to a stable and safe country. As you are selecting your ideal new location, you should make sure you spend time there as more than a tourist. Consider spending three to six months renting and living as a local. Get a feel for what it will be like to live on a daily basis, have neighbors, do groceries, and pay bills. Another important aspect people don’t tend to think about on vacation is a country’s healthcare system. Make sure you spend time understanding how it works, how it is paid for, and the level of quality you can expect. And as you age you will want to understand what kind of long-term care supports and services are available as well. If the move feels right, it will be critical that you are able to establish your legal residency through the visa process and possibly full citizenship. And if you have reached the point you are deciding it’s time to pack your bags, one last thing you will want to consider: how difficult it is to travel there for you and for your loved ones. Remember, if you move, you won’t be taking your extended family and friends with you. Once you have relocated, you will want them to be able to visit, and you will want to be able to return to the States without it becoming a major undertaking. So out of 132 countries, how do you know where you should be looking? July 2021

1. Costa Rica ($1,400/month) – Biodiversity, active lifestyle, stable government, friendly populace, stable banking, good healthcare system, distance to U.S., low cost of living

4. Thailand ($600/month) – Active lifestyle and biodiversity, culture and metropolitan living, expat networks, low cost of living

• Cost of living • Climate • Daily life • Language • Banking and currency • Residency-visa process • Healthcare • Safety and stability • Distance from family


Based on quality of life and affordability, here are 10 countries that score high for older adults to retire in:

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7. Colombia ($1,000/month) – Climate and biodiversity, good healthcare system, cosmopolitan living and exotic locals, cost or living, easy visa if prove $2,500/month income 8. Malaysia ($1,300/month) – Exotic and climate, English commonly spoken, low cost of living 9. Ecuador ($1,500/month) – Climate and biodiversity, mix of metropolitan and rural living, strong expat network, English commonly spoken, excellent local food, senior discount programs, U.S. currency, low cost of living 10. Mexico ($1,600/month) – Climate and biodiversity, beaches, national healthcare system, proximity to U.S., low cost of living Retiring overseas comes down to making personal choices that reflect who you are, what you want, and what yo u can afford. The key to getting it right is doing your homework so you fully understand what you are getting into — before you make the move. Chris Orestis, known as the “Retirement Genius,” is president of LifeCare Xchange and a nationally recognized healthcare expert and senior advocate. He has 25 years’ experience in the insurance and long-term care industries and is the author of Help on the Way and A Survival Guide to Aging.

Information and support whenever you need it View online at: (under supplements)

25th Annual

Vibra Seminar Dates and Locations: July 1, 1 p.m. • The Center Hotel, 7736 Adrienne Drive, Breinigsville 18031 July 15, 1 p.m. • Eden Resort and Suites, 222 Eden Road, Lancaster 17601 July 20, 1 p.m. • Comfort Suites Bethelehem, 120 West Third Street, Bethlehem 18015 July 29, 1 p.m. • Four Points Sheraton, 1650 Toronita Street, York 7402


Sept. 29, 2021

July 30, 1 p.m. • Clarion Hotel And Conference Center, 148 Sheraton Drive, New Cumberland 17070 August 2, 1 p.m. • Four Points Sheraton, 1650 Toronita Street, York 17402 August 5, 1 p.m. • Eden Resort and Suites, 222 Eden Road, Lancaster 17601 August 9, 1 p.m. • Clarion Hotel And Conference Center, 148 Sheraton Drive, New Cumberland 17070 August 10, 1 p.m. • The Center Hotel, 7736 Adrienne Drive, Breinigsville 18031

9 a.m. – 2 p.m.

August 24, 1 p.m. • Comfort Suites Bethelehem, 120 West Third Street, Bethlehem 18015

Park City Center

September 9, 11 a.m. • Hampton Inn & Suites, 876 Schechter Drive, Wilkes-Barre 18702

(Former Bon-Ton store)

September 16, 1 p.m. • Eden Resort and Suites, 222 Eden Road, Lancaster 17601

600 Park City Center Lancaster

September 7, 1 p.m. • The Center Hotel, 7736 Adrienne Drive, Breinigsville 18031

September 21, 1 p.m. • Comfort Suites Bethelehem, 120 West Third Street, Bethlehem 18015 September 22, 1 p.m. • Four Points Sheraton, 1650 Toronita Street, York 17402 September 24, 1 p.m. • Clarion Hotel And Conference Center, 148 Sheraton Drive, New Cumberland 17070


It’s not your parents’ Medicare.

$ Let’s safely come together again!

Copay virtual doctor visits Prescription drug copays Plan deductibles Prescription drug deductible Routine hearing exams



• Generate leads • Meet guests face-to-face • Reinforce your brand • Sell products • Network with other exhibitors Sponsor and exhibitor reservations now being accepted.

Contact us today to reserve your booth at 717.285.1350, or go to:

today for your FREE information kit. 8 a.m. to 8 p.m., seven days a week, or visit

Vibra Health Plan is a PPO with a Medicare contract. Enrollment in Vibra Health Plan depends on contract renewal. H9408_50PlusAd21_M

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July 2021


Let’s Safely Come Together Again Face-to-Face! 2021 Expo Dates Exhibitor booths will be spatially distanced, and personal social-distancing and other CDC guidelines will be observed.

omen’s Expo


Sept. 29

9 a.m. – 2 p.m. Park City Center

(Former Bon-Ton store)


600 Park City Center, Lancaster

Oct. 13

9 a.m. – 2 p.m.


Carlisle Expo Center 100 K St. Carlisle

9th Annual

9 a.m. – 2 p.m.

York Expo Center Memorial Hall East 334 Carlisle Ave., York

Sept. 18

9 a.m. – 2 p.m.


Lebanon Expo Center 80 Rocherty Road Lebanon

Oct. 23

5th Annual

Sept. 23

10th Annual

22nd Annual

25th Annual

19th Annual

Caregiving • Finances • Health & Wellness • Home Improvements Leisure Activities • Nutrition • Retirement Living • Technology and more!

Health & Wellness • Finance • Home Shopping • Technology • Beauty Nutrition • Fashion and more!

9 a.m. – 2 p.m. Park City Center

(Former Bon-Ton store)

600 Park City Center, Lancaster

omen’s Expo Cumberland County

Nov. 13

9 a.m. – 2 p.m.

Carlisle Expo Center 100 K St. Carlisle

Sponsor & Exhibitor Opportunities Available! (717) 285-1350

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Lancaster County 50plus LIFE – July 2021  

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