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Copy October 2016 Long Island Edition • Vol. 41 #12

YOUR FINANCIAL HEALTH A Special 50+ Pull-Out Section Pages 9-12

Long Islanders: Presidential Campaign Needs More Focus on Social Security page 3

Man in Command:

Start Care at Home Sooner Than Later!

An Interview with Roscoe C. Brown, Jr., of the Tuskegee Airmen

No Five-Year Look-Back for Home Care in New York!

By Hal Drucker

F

rom our first meeting 15 years ago, we became fast friends. Dr. Roscoe Brown “wings it” from his office as president of Bronx Community College, with the maneuver he employed to down a Messerschmitt 262 jet fighter from his red-tailed P-51 Mustang prop plane. It was the subject of a Postal Service commemorative stamp honoring the Tuskegee Airmen.

“One may ask,” Brown intoned, “How does one take down a 262 Jet with a prop plane?” “Well, we were escorting B-17 bombers from 25,000 feet over Berlin. I was the squadron leader flying last in the formation. I saw the jets coming in at 9 o’clock. We had practiced some maneuvers to deal with that, and so instead of going right for the jets so that they would turn away from us, we did a reverse field – turning upside down at the level

page 9

of the bombers, going away from the jets so they wouldn’t see us. I turned a hard right so I caught the jet as he was coming forward. He was actually going about my speed; he had to slow down to get a bead on the bombers. Their normal speed was about 100 mph faster than ours. Once they slow down it takes some time to build up to speed. We got three jets on the day. One pilot ejected. That German pilot who ejected successfully survived the war; they were trying to bring him over here so that we could meet, but he passed away.

“Young people are the fodder for old people who make wars. That’s the sad part of it,” he continued.

“When you get thousands of troops to hit the beach on D-Day; you don’t go in there with the expectation of

October Events .......................Page 5 Sudoku......................................Page 17 Hidin’ Harry Winners.............. Page 6 Crosswords ............................Page 17 What’s on Your Bucket List... Page 13 Classified Ads .......................... Page 19

Linda Ellerbee to Speak at Stony Brook Medicine’s Women’s page 14 Health Day

Yo-Yo Dieting Finding the Cause and Solution page 15

(Continued on page 13) Coming in November Legal, Financial, Medicare Enrollment, Diabetes Awareness, Veterans Salute

See subscription form on page 6

Long Islanders: Presidential Campaign Needs More Focus on Social Security

L

ong Islanders said the 2016 presidential candidates and campaign need to focus more on Social Security and its future, and they posed questions to experts at an A ARP Community Forum at Hofstra University just 11 days before the university hosts the first presidential debate of the 2016 campaign.

Hofstra Executive Dean for Suburban Studies Lawrence Levy and A ARP’s Director of Financial Security & Consumer Affairs Cristina MartinFirvida joined A ARP New York State Director Beth Finkel in the community conversation with over 100 Long Islanders.

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“We’re looking at a 25 percent cut in less than 18 years unless our leaders in Washington act to update Social Security for the 21st Century,” said Beth Finkel. “It’s important that our leaders address Social Security’s solvency – and soon.”

“The population of Long Island and many other suburbs is getting older and older, and most of these people are not now or will not be wealthy or anything close,” said Lawrence Levy. “They also may not have the pensions and other savings of prior generations. That means Social Security will be an ever more important part of maintaining quality of life for more and more people, and the economic vitality of the communities in which they live.”

In fact, Social Security generated over $87 billion in economic activity in New York state in 2012, according to A ARP’s Public Policy Institute.

“A ARP launched our ‘Take A Stand’ campaign this year to urge the presidential candidates to lay out their plans to update Social Security, to act if elected, and to urge congressional candidates to commit to work with the new administration to get it done,” said Cristina Martin-Firvida. “Options for heading off a 25 percent benefit cut become much more difficult the longer we wait. We need to hear what the candidates would do, and we need action next year during the all-important first year of what could be an eight-year administration.”

A ARP is a national sponsor of the presidential debates, and A ARP is planning additional activities at Hofstra leading up to the initial faceoff including community listening posts to give students and residents the chance to weigh in on the importance of updating Social Security and an on-campus debate watch party.

Follow us on Twitter: @AARPNY and Facebook: AARP New York

Social Security benefits will be cut by nearly 25 percent in 2034 if the program is not updated; such a cut to the popular program into which working Americans pay every day to earn their benefits would mean the loss of about $4,200 a year in today’s dollars for the average New Yorker 65 and above, according to a recent A ARP analysis.

Meantime, a recent survey of A ARP members showed that those in New York rate having Social Security available to them in the future as their top economic concern, with 87 percent saying they’re “extremely” or “very” concerned about it.

AARP is a nonprofit, nonpartisan organization, with a membership of nearly 38 million that helps people turn their goals and dreams into 'Real Possibilities' by changing the way America defines aging. With staffed offices in all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands, AARP works to strengthen communities and promote the issues that matter most to families such as healthcare security, financial security and personal fulfillment. AARP also advocates for individuals in the marketplace by selecting products and services of high quality and value to carry the AARP name. As a trusted source for news and information, AARP produces the world’s largest circulation magazine, AARP The Magazine and AARP Bulletin. AARP does not endorse candidates for public office or make contributions to political campaigns or candidates. To learn more, visit www.aarp.org or follow @AARP and our 50+ CEO @JoAnn_Jenkins on Twitter.

50+ LifeStyles October 2016 • www.50PlusNY.com

What to Do, Where to Go, What to See, on Long Island and the Surrounding Area

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October 27 The 12th Anniversary Hope for Life Achievement Dinner. By the Varadi Ovarian Initiative for Cancer Education, at The Loeb Boat House, Central Park, NY; 6:30 p.m. Info: 516-353-4689.

Meet David Okrent former IRS Agent, CPA Attorney

(Send event info to Frank@50plusny.com)

David has 30 years experience in Elder Law and Estate Planning. Learn how Medicaid can pay for Home Care without a 5 year look back!

FREE BREAKFAST SEMINAR

October 6 Mt. Sinai 100-Year Celebration. At the Willow Creek GCC, One Clubhouse Ct., Mount Sinai; 7 to 11 p.m. Sit-down dinner, cash bar, $45 pp. Make checks payable to: Mt. Sinai Civic Assn., PO Box 339, Mt. Sinai, NY 11766.

Tuesday, Nov. 1 8 to 10 a.m.

Candlelight Diner Commack Fresh Breakfast served Tuesday, November 8 8 to 10 a.m.

Golden Coach Diner Huntington Continental Breakfast served

Reservations Required:

631.427.4600

October 8-9 Revolutionary War Encampment: The Third New York Regiment. At the Southold Historical Museum Complex, 55200 Main Road, Southold; 10 a.m.-4 p.m. Free. Info: 631-765-5500.

October 9 Old Time Baseball Clinic. At the Old Bethpage Village Restoration. Join our Old Time Baseball Clinic and become a member of the Old Bethpage Village Barnstormers! Kids will learn the history, rules and 19th century terminology of the game. They will also play a game with wooden bats and period reproduction baseballs! For children ages 12-14 and pre-registration is required. The fee is $45 for one child and $75 for two. Info: 516-572-8400 to register.

October 13, 2016 Internet Security. Protecting your computer from cyber-attacks; 2 to 3:30 p.m. at the East Northport Library, 185 Larkfield Road, East Northport. Info: 631-539-4451.

October 20 Senior Group Meeting SAGE. Presents the Ari-Notes, an Acappella group who will perform in the Succah. At the Woodbury Jewish Center, 200 South Woods Road, Woodbury; 10:30 a.m. to Noon. Includes Light Refreshments.

Fee - $5. Info: 516-496-9100 x352.

October 20, 2016 Vacation Planning on Line. Learn how to research travel, hotels, restaurants, guided tours and more on the Internet. At the Cold Spring Harbor Library and Environmental Center, 95 Harbor Road, Cold Spring Harbor; 2 to 3:30 p.m. Info: 631-539-4451.

50+ LifeStyles October 2016 • www.50PlusNY.com

50+ LifeStyles October 2016 • www.50PlusNY.com

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50+ LIFESTYLES AVAILABLE AT MOST and most Libraries in Nassau/Suffolk.

www.50plusNY.com PRESIDENT/PUBLISHER Frank C. Trotta ext. 100 EXECUTIVE EDITOR Tim Edwards ext. 111 VICE PRESIDENT SALES & PRODUCTION Marie S. Trotta ext. 113 EDITOR Gary P. Joyce ext. 250 ART DIRECTOR Gregory A Jones ext. 232 ACCOUNT EXECUTIVE Evelyn Aloisio ext. 221 EDITORIAL OFFICE: 146 South Country Road, Suite 4 Bellport, NY 11713 Tel (631) 286-0058 · Fax (631) 286-6866 Advertising Rate Card By Request

Hidin’ Harry Winners!

Congratulations to our Hidin’ Harry winners from the September issue, Doris Ohlander of Wantagh and Norma Tabor of Garden City. You’ll both be receiving a pair of theater tickets in the mail. As for the rest of our contestants, the game goes on! Find Hidin’ Harry somewhere in the pages of 50+ LifeStyles and send us your answer — including your name and address — by post to Hidin’ Harry, 146 So. Country Road, Bellport, NY 11713 … or by e-mail to: editor@50plusny.com.

FIND HIDIN’ HARRY! SEE AD ON PAGE 13!

COPY DEADLINE 15th of previous month ©50+ Lifestyles™

Winner of 5 National Awards

FINANCIAL • FINANCIAL • FINANCIAL • FINANCIAL • FINANCIAL • FINANCIAL

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Start Care at Home Sooner Than Later!

No Five-Year Look-Back for Home Care in New York!

By David R. Okrent, CPA, Esq.

O

n a regular basis, clients rely on us to help them structure payment of long term care services for a loved one, and time the onset of the services. Many people, professionals included, confuse the very intricate rules of the Medicaid program to the point of planning incorrectly. Time after time, I’ve met with clients who have told me they are not receiving services, or have incurred exorbitant costs on Home Care because they were told to spend down to Medicaid Exempt resource limits, or wait five years to cover transfers. This is just wrong information. There is no transfer penalty… No five-year look-back for Home Care in New York!

If a person’s resources exceed the Medicaid Exempt amounts they can be transferred, then he or she will become eligible for Home Care Medicaid the next month. This permits families to transfer income and savings so a frail elderly individual may receive services they need, without becoming completely impoverished.

Keeping an elderly parent at home can be a

challenging task for an adult child. Private home care can be expensive, with costs sometimes reaching as high as $100,000 a year for continuous care. Unfortunately, Medicare does not cover long-term home care, however New York State offers a Medicaid program that helps pay for home care.

For a single person, the basic exemptions under 2016 New York Medicaid rules are: $14,850 in savings, IRA type assets in pay status, a home they live in with less than $828,000 in equity, (be careful here, because if the individual dies or needs nursing home care, the home is no longer exempt), a prepaid funeral, and income of no more than $845/month, plus medical expenses (like insurance). If an individual has more income then allowed, it can be contributed toward the cost of care or transferred to a special trust.

Be mindful, this is the time for careful planning because the rules for nursing homes are different and must be considered.

It is well documented that preventive care saves money. Waiting too long to receive care that you need is dangerous! It will ultimately

cost more, and the likelihood is the level of care needed will be greater. Having assistance a few hours-per-day for someone who is forgetful, or not sturdy on their feet, may prevent them from a harmful fall or missing a critical medication dose, resulting in escalation of healthcare needs.

Also, bringing in services when an individual is in a crisis creates additional stress for the entire family. It is always a good idea to start services early.

I hope this information is helpful and inspiring. The Medicaid program is complicated and deserves a level of craft that a skillful professional can give you and your family.

Mr. Okrent, Esq. has been handling elder law, estate planning & special needs matters for over 30 years. He works on policy matters as the immediate past Long Island Delegate of the NYSBA\Elder Law Section. His former experience as a CPA and with the IRS g ives him a unique perspective in creating estate plans.

Visit www.davidrokrentlaw.com or call 63150+ 427-4600.

50+ LifeStyles October 2016 • www.50PlusNY.com

Everybody Needs an Estate Plan

By Saul Kobrick, Esq.

Estate planning is something everyone needs to think about, no matter how young you are or how much or how little money you have. If you have anyone counting on you, have any assets, or are concerned about maintaining your autonomy in the face of disability, you need an estate plan. The Law Offices of Kobrick & Moccia will help you create one.

Our LI attorneys have extensive experience in the field of estate planning, elder law, and Medicaid planning. We understand what it takes to create a well-drafted estate, asset protection, or incapacity plan and we make sure that your goals are met. With our assistance, clients throughout LI have been able to get nursing home costs covered without being forced to spend their life savings or put their heirs’ inheritance at risk.

Call at 800-295-1917 and schedule a consultation (FREE when you men50+ tion this article) to get started on your personalized estate plan.

50+ LifeStyles October 2016 • www.50PlusNY.com

FINANCIAL • FINANCIAL • FINANCIAL • FINANCIAL • FINANCIAL • FINANCIAL

Help Families and Individuals Get Back on Their Feet

T

he Advocacy, Counseling and Entitlement Services (ACES) Project of the Community Service Society is seeking retired individuals age 55 years or older to serve as volunteer public benefit counselors dedicated to helping financially disadvantaged people. ACES volunteers assist clients with completing applications for public benefits and help correct benefit related problems.

Volunteers must attend a training that begins October 4, 2016. Upon completion, they are placed in agencies in one of the five boroughs to provide information on government benefits to low-income families, older adults, and individuals with disabilities. A personal interview, successful completion of the training, and a commitment of six hours per week for one year of volunteer service is required. Applicants must have advocacy, research, and computer skills, in addition to an interest in assisting low-income populations and learning about public benefit programs. No prior benefit experience is required. For more information, please contact Rebecca Haase at (212) 614-5482. To apply, go to: www.cssny.org/programs/entry/the-aces-project.

ACES is a program of the Retired and Senior Volunteer Program (RSVP). Established more than 40 years ago, RSVP’s 2,500 volunteers contribute more than one million hours of service annually at close 300 organizations in New York City. RSVP is part of the Community Service Society of New York, a nonprofit organization which advocates on behalf of the poor in the areas of education, affordable housing, health care, and income maintenance. For more information, please visit our website, 50+ www.cssny.org.

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4 Key Estate Planning Documents

By Aaron Futterman, CPA, Esq

T

he four key cornerstone estate planning documents include the last will and testament, a health care proxy, a living will, and a durable power of attorney.

The last will’s main function is to dispose of property to your intended beneficiaries. You state who gets your property and how they get it. Do beneficiaries get it outright? Is it held in trust? Is it held in trust until a certain age? Who’s in charge? Who's the executor to make sure that your wishes are carried out? All these questions need to be answered when preparing a last will.

A health proxy creates a principal agent relationship. You appoint an agent to act and speak on your behalf regarding medical decisions if you are unable to communicate your wishes yourself. Interrelated is the living will which is a statement regarding your wishes in the event you were ever diagnosed to be in a permanent vegetative state; it is instructions to your healthcare agent.

Power of attorney: again, creating a principal agent relationship, however the purpose is monetary. Why is it important? As people grow older, it becomes increasingly difficult for them to handle their finances and it becomes critical if one were ever in need of nursing home help. Your agent can aid in obtaining financial eligibility for Medicaid to pay for a nursing home.

50+ Futterman and Kanza, Attorneys at Law, 222 East Main Street, Suite 314, Smithtown, NY; 631-979-4300.

50+ LifeStyles October 2016 • www.50PlusNY.com

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FINANCIAL • FINANCIAL • FINANCIAL • FINANCIAL • FINANCIAL • FINANCIAL

Senate Aging Committee Examines Recommendations to Address America’s Retirement Crisis

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s of 2015, the difference between what people have saved and what they will need to live in retirement was a staggering $7.7 trillion. This serious gap is concerning workers across our country, 82 percent of whom say their generation will have a much harder time achieving financial security compared to their parents’ generation.

As part of their bipartisan commitment to addressing America’s retirement crisis, U.S. Senators Susan Collins and Claire McCaskill, the Chairman and Ranking Member of the Senate Special Committee on Aging, held a hearing today titled, “Securing America's Retirement Future: Examining the Bipartisan Policy Center's Recommendations to Boost Savings.” The hearing examined the findings of a two-year study conducted by the Bipartisan Policy Center’s (BPC) Commission on Retirement Security and Personal Savings. Former Senator Kent Conrad and James Lockhart III, who serve as co-chairs of the Commission, testified about the BPC Commission’s work to identif y recommendations that could increase and improve retirement savings.

50+ LifeStyles October 2016 • www.50PlusNY.com

“According to the Center for Retirement Research, there is an estimated $7.7 trillion gap between what Americans have saved for retirement and what they will actually need. Making matters worse, the Federal Reserve found that nearly half of individuals do not have enough savings to cover an emergency expense of $400,” said Senator Collins. “Neither party has a monopoly on good ideas to address this crisis.”

“Our committee has rightly focused on ways to ensure Americans have opportunities to put money aside and not outlive their savings, and has also done a lot of bipartisan work ensuring people are not defrauded out of their life savings in or near retirement,” said Senator McCaskill.

“We are encouraged that the issues of savings and retirement security have attracted bipartisan interest ...” said Mr. Conrad and Mr. Lockhart in their written testimony. “We hope that our work can inform these efforts and can contribute to meaningful action.”

Under Chairman Collins’ and Ranking Member McCaskill’s leadership, the Senate Aging Committee has made addressing the retirement security crisis a top priority, holding a series of

hearings to examine and advance solutions. They have also worked to protect older Americans by combatting fraud that targets seniors. Last year, Senators Collins and McCaskill introduced the Senior$afe Act, bipartisan legislation that would implement innovative financial protections. 50+

Cover Story dying. If you were told you’d be hitting the beach on D-Day in the first wave, your chances of getting out of there are one-out-of-two. It took a special mind set to drive you to do something that is destructive. And that’s what war is about. I’m always amazed about the Civil War battles, going at each other with no shelter, striding relentlessly toward each other.

That’s the way wars were fought; send as many people out there as you can, and some would get through.

13 the health, education in the Public Health Division for blacks in the country. He reported to the Surgeon General. I was one of the first four or five professors at New York University. I was mentored by professor J. D. Nash, who took to me like I was his son. I was president of the American Association of University professors, an advocacy group. Those experiences enabled me to do anything I wanted to do and to do anything I could think I wanted to do.”

[On March 29, 2007, Brown attended a ceremony in the U.S. Capitol rotunda, where he and the other Tuskegee Airmen collectively were awarded the Congressional Gold Medal in recognition of their service. Brown earned a Distinguished Flying Cross for his WW II exploits. Roscoe Conkling Brown, Jr., was 50+ born March 9, 1922. He passed on July 2, 2016.]

Find Hidin’ Harry!

Harry is hiding somewhere in this issue. Find him and tell us where he is and you can win a pair of theater tickets. We’ll pick two winners out of every issue.

Find Hidin’ Harry and send your answer to: Hidin’ Harry, 146 So. Country Road, Bellport, NY 11713 or e-mail Editor@50plusny.com.

Roscoe Conkling Brown, Jr., top.

“I’m part Cherokee, African-American, Scottish and Irish. We’ve traced our ancestors back to post-slavery. We had established middle-class folks in the 1880s. My father came from DC and Arlington, part of the core of black civil service workers who lived in DC after the Civil War. They had segregation, but blacks could work in the Bureau of Engraving. My grandfather was a civil service worker of some repute in the Bureau of Engraving. My mother and father were college graduates at the turn of the century. The segregated schools in Washington were just about as good as the white schools. When I went to Dunbar High School, it was better than most high schools with its middle class base, whereas the middle class whites went to private schools.

“I’ve run a lot of scholarship programs. Chairman of the nominating committee of the Jackie Robinson Foundation offers the Robinson Scholarship, which is probably the best scholarship program in the country with 230 scholars each get $6,000 a year. Every year they come for a weekend of tutoring, interaction, and career development here in New York. We have a 92-percent graduation rate. Partially because our sponsors, Goldman-Sachs is one, they want people interested in finance. Others want real estate, some others want people interested in business. Sharon Robinson, Jackie’s daughter, is involved. Rachel, Jackie and I were personal friends for many years. When I was a kid, the black leagues out-drew the Senators.

And half the audience was white.

“Younger blacks don’t identif y with middle class black. We haven’t done enough to advance the masses; the same situation in the Middle East.

The upper class have done nothing. All the [Tuskegee Airmen] were prototypical. We were slim, about the same height, various complexions, eager and young. Had to pass a rigorous physical. Most of us were athletic.

I played football and lacrosse in Springfield College [he was valedictorian of the class of 1943], home of basketball, volleyball and sports medicine.

I was also vice president of Springfield College.

My father Roscoe, Sr., was in the Roosevelt administration in charge of

LifeStyles Sudoku Solution from page 17

LifeStyles Puzzle Solution from page 17

50+ LifeStyles October 2016 • www.50PlusNY.com

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Linda Ellerbee to Speak at Stony Brook Medicine’s Women’s Health Day

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egendary and trailblazing television journalist Linda Ellerbee will be the keynote speaker for Stony Brook Medicine’s fourth annual Women’s Health Day on Saturday, Oct. 15, at the Melville Marriott Long Island, from 8:30 am to 2 pm. Known for her wit, wisdom and outspoken style, Ellerbee’s list of accomplishments include award-winning television producer, writer, anchor, best-selling author, breast cancer survivor, mom and grandmother.

The morning kicks off with 20 Stony Brook Medicine experts who will share the latest information, research and thinking about topics that concern women most. At lunch, Ellerbee, who has survived many trials in both her personal and professional lives, will give her inspiring perspective about how “Change is a Form of Hope,” and why it’s better to make change than be caught by it.

Seminar topics and Stony Brook Medicine speakers include: • Circulation Problems in Women: Angela A. Kokkosis, MD, Vascular Surgeon.

• Healthy Skin and Hair: Adrienne Haughton, MD, General and Cosmetic Dermatologist; Tara Kaufmann, MD, General and Cosmetic Dermatologist; Jordan Slutsky, MD, Dermatologic/Mohs Surgeon.

• Negotiating the Various Recommendations for Breast Screening: Patricia A. Farrelly, MD, Breast Surgeo.n • Tips for Strength Training With and Without Equipment: Kimberly Belizar, PT, Physical Therapist

• Women and Shoes: Paying the Price for Looking Good: Megan Carroll Paulus, MD, Orthopedic Surgeon — Foot and Ankle Surgery.

• Eating Your Way to a Healthy Weight: Megan Bennett, RDN, Registered Dietitian Nutritionist; Kathryn Cottell, MS, RDN, CDN, CDE, Registered Dietitian Nutritionist • Lung Cancer in Women: Muhammad Perwaiz, MD, Pulmonologist and Co-Director, Lung Cancer Evaluation Center.

• Women and Heart Disease: Puja Parikh MD, MPH, FACC, Interventional Cardiologist.

• Menopause: Time for a Change: Arlene Kaelber, MD, FACOG, Obstetrician/Gynecologist, Certified Menopause Practitioner.

• Beautiful Inside and Out: Aesthetic Rejuvenation of the Face and Neck: Janet Trabosh, PA-C, MPH, Associate Director, Bellavie MedSpa. The Connection Between Breast Cancer and Heart Disease: Lea N. Baer, MD, Medical Oncologist and Co-Director, Cardio-Oncology Program; Michelle Weisfelner Bloom, MD, Cardiologist and Co-Director, Cardio-Oncology Program.

• Nutrition for Optimal Health: How to Create a Personalized Action Plan Chrisa Arcan, PhD, MHS, MBA, RD, Registered Dietitian.

• Herbals and Supplements: What You Need to Know: Jeannene Strianse, PharmD, MS, BCPS, Director of Pharmacy.

• Better Living Through Electricity: New Treatments for Epilepsy, Parkinson’s Disease and Tremor: Chuck Mikell, MD, Movement Disorders and Epilepsy Neurosurgeon.

• Pelvic Floor Disorders: Myths and Realities: Lauri Budnick, MD, FACOG, Obstetrician/Gynecologist; Jason Kim, MD, Urologist/Female Pelvic Medicine and Reconstructive Surgeon and Co-Director, Women’s Pelvic Health and Continence Cente.r After each session, Stony Brook experts will also be available to answer questions and connect you with helpful resources. Then at noon, the buffet luncheon begins and all eyes an ears will be on Linda Ellerbee. Registration is required, and the registration fee is $25. It includes your choice of three health seminars, continental breakfast and a buffet luncheon with Ellerbee. The Melville Marriott Long Island is located at 1350 Walt Whitman Road in Melville. For more information, call Stony Brook Medicine at 631-444-4000.

50+ To register, visit womenshealthday.com.

50+ LifeStyles October 2016 • www.50PlusNY.com

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50+ LifeStyles October 2016 • www.50PlusNY.com

CROSSWORDS

(Solution on page 4)

Across 1. Talk too much 5. “I don’t need to know that!” (abbr) 8. In a pigs eye?

12. Hot stuff 13. Sleep indicator 14. Axis of evil member 15. Ore suffix 16. Some reporters are accused of doing this 18. Briny veggie 20. Belongs to the Enterprise’s number 2 man 21. Virgil’s, Morgan’s, Wyatt’s and James’ surname 23. Undefined number 24. Better looking 28. This was a worry in Gulf War I 31. Through this, when travelling Down 1. A plane may appear as this 2. Latvian money (pl) 3. With (Fr.) 4. An NBA score 5. Forest age indicator?

6. South of the border country (abbr) 7. Rascals 8. Phillipine communist founders family 9. A type of personal locomotion 10. Slang for a US citizen 11. NBC, ABC and CBS use this (abbr) 17. ___ Locka 19. Once alive 22. 6 down cash 24. Lowest Army rank 25. A funnel shaped estuary 26. Congress offers too many of these 27. A fundamental element 29. Put into service

Solution on page 13 32. Begin 34. Baton Rouge school 35. Weight of an empty container 37. A good wish 39. You’re this type fan if you’re a NYer 41. A specific area 42. Cape in Oregon with shortest lighthouse 45. A place for a quick stay 49. A silicate mineral 51. The biggest landmass 52. A piece is easy?

53. A negative prefix 54. Book identifier (abbr) 55. A Cold War enemy 56. Obtain 57. A newsman may have this 30. It won’t go bang 33. This (Sp.) 36. Weirder 38. Chief of State of Vichy France 40. Perfect?

42. Nomadic Amazon tribe 43. EU diplomatic/foreign affair office (abbr) 44. Croon 46. Old gas station name 47. Not neocons (abbr) 48. Not nuts 50. One of 1042 Uriah’s surname 43 Nordic poems/epics 44 Book is one 46 Fat 47 My gosh!

48 IDs often (abbr.)

50 Military entertainment organization

Solution on page 13

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CLASSIFIED ADS

CLASSIFIED FORM

Place your

ADVERTISE YOUR PRODUCTS OR SERVICES $60 Businesses • $35 Individuals (Non-business related) 15 words - $1 each additional word

Personal Ad today!

Email Barbara@50plusny.com PERSONALS

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Please call Joe at 516-458-7333.

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Certified Personal Trainer. Baby Boomer Who Walks the Talk. I Come to Your Office or Residence. Free Personal Assessment and Customized Program. Reasonable Rates. Call Art: 516-712-8187.

Classifieds must be submitted by the 15th.

PLEASE PRINT CLEARLY OR TYPE ON A SEPARATE SHEET OF PAPER

PERSONALS

SWF seeking a male or female (5570) for friendship. I enjoy dining out, movies. No smokers please. Call 516-658-1918.

S.W.F. 73, pretty, 5ft 5, seeks white sincere, honest non smoker = Togetherness, rides, movies, concerts, quiet places, etc. ph: 631-671-5222.

All ads must be pre-paid. Rates are per month.

For more information call (631) 286-0058 Ext. 220.

PROF. SERVICES

CLEAN HOMES BY STACEY Weekly, bi-weekly-monthly, one time only, Reasonable rates. E. Moriches, C. Moriches, Shirley, Yaphank and Bellport. 631-902-3787.

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❑ For Sale ❑ Prof. Serv ❑ Other

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50+ LifeStyles Attn: Classified Department, Barbara Connolly 146 South Country Road • Bellport, NY 11713 Or, fax with charge card # to (631) 286-6866 Or, E-Mail with charge card # to Barbara@50plusny.com -NO PHONE ORDERS TAKEN-