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s ’ y a d o T

Vol.1 No.4

Boomer Travel:

Social Security: Prepare NOW to Retire in 2013

BOOMERS BACK to SCHOOL Pop Quiz: Are Small Business Really Driving the U.S. Economy?? Boomer Healthy Eating: TailgaTe Rubbin’ Game day Grub

Fall in Love with Foliage

“BOOMER “BOOMER-PRENEUERSHIP” How 2 Start a Business and Follow Your Dreams after 50

Today’s BoomeR

Featuring The Only B2B -Business 2 BoomeR Marketplace!


Up Coming Cruises-Book Now! Odyssey of the Ancient Crusaders 2012 “CU Winds of Change EduCruise” September 21 – October 3, 2012 Hawaiian Islands Adventure 2012 “CU Discovery EduCruise” November 3– 10, 2012 A Western Caribbean Adventure 2012 “Credit Union Discovery EduCruise” November 4-11, 2012 A Southern Caribbean Holiday EduCruise 2012 December 29, 2012-January 5, 2013 Navigating South America & the Panama Canal 2013 “Credit Union Discovery Symposium 2013” March 17-April1, 2013

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This Issue September / October 2012 Volume 1, Number 4

Cover Photo from Gary Knowles

Boomer Travel

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Autumn Escape Routes

Founder John Vardallas & Alexandra Maragha

Boomers Back to School 10

Editor-In-Chief Alexandra Maragha

The young at heart follow their passions

Contributing Writers :

“Boomer-Preneuership” 12 Reinventing yourself and following your dreams after 50

Pop Quiz: Small Business 15 Are small businesses really driving the U.S. economy?

Boomer Healthy Eating 16 Game Day tailgate rubs

Social Security

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Prepare now to retire in 2013

B2B Marketplace

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Business 2 Boomers Marketplace

Karyl Richson– Social Security Gary Knowles– Travel Writer Advertising Team For Letters to the Editor, articles and feedback as well as advertising inquiries email Alexandra@TheAmericanBoomeR.com

The American BoomeR.com John Vardallas CAE, CUDE CEO/Founder Professional Speaker Business/Lifestyle Strategist Boomer Sage and Blogger JohnVardallas@TheAmericanBoomeR.com (608) 577-8707 Alexandra Maragha Co-Founder, Editor-In-Chief Today’s BoomeR Alexandra@TheAmericanBoomeR.com Today’s BoomeR Vol.1 No.3 Today’s BoomeR is published six times (Jan/Feb, Mar/Apr, May/ June, July/Aug, Sept/Oct, Nov/Dec) a year by The American BoomeR.com 769 North Star Drive (Suite 207) Madison, WI 53718 All rights reserved. Reproduction in whole or in part without permission is prohibited.

The American Boomer @American_Boomer Today’s BoomeR 3


EDITOR’S LETTER

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Fall-ow Your Dreams It is quite an accomplishment to achieve a dream. Completing a degree, landing that position in the career you always wanted, or starting your own business are parts of individual passions and goals that become realized at any age. This issue celebrates the choices that are motivated through passion, commitment and sacrifice. Our feature on “Boomers back to school”, and (feature)Boomersp.following 10 their dreams after 50 through “Boomer-Prenuership” to start their own businesses are instances where Boomers are achieving their dreams and setting forth to do what they love. Fall is also the time of year when a sense of renewal is crisp in the air and trees turn to brighten the sky. Take in the feeling of change that surrounds us and make that change that you have been waiting for. Many have heard the saying “big risks can create big rewards”, but less realize the path to success is paved with failure. Walt Disney was fired from a newspaper for “lacking imagination”. At 30 years old, Steve Jobs was removed from the company he started, and Oprah Winfrey was demoted from her job as a news anchor because she...“Wasn’t fit for television.” By taking p. 4club and continue the path of success. risks we can join the famous failures And from the motto that I have come to learn and love from The American BoomeR.com, “Get MAD: Make A Difference” and don't be afraid or hesitant to follow your dreams!

p. 12 Alexandra Maragha Editor-In-Chief Send Letters and Feedback to: Alexandra@theamericanboomer.com

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BOOMER TRAVEL

Autumn Escape Routes

From the Great River to the Great Lakes Lakes– – Fall in Love with Foliage! Story and Photography by Gary Knowles

There is a harmony in autumn, and a luster in its sky, which through the summer is not heard or seen, as if it could not be, as if it had not been! -Percy Bysshe Shelley

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Summer’s warmth is fading fast. Evenings come to call sooner and stay longer. But don’t despair. The fuse has been lit and the great natural fireworks show is about to begin in the Upper Great Lakes States. Autumn, the season of anticipation, color, light, excitement, ooohs and ahhhhs is here. It starts with a bang and ends all too quickly so make your plans now to catch it while you can.

spectacular than the northern loop bounded by La Crosse, Wisconsin on the south and Red Wing, Minnesota on the north. This is doubly true as fall colors blanket the bluffs. Don’t miss: the view of three states from Granddad Bluff in La Crosse WI; the totally unexpected and stunning Minnesota Marine Art Museum in Winona, MN with Impressionist works to make major museums envious; eagles overhead at Wabasha, MN, a town made famous by the “Grumpy Old Men” movies There are special places (no, they weren’t really shot there); the famous that hold the splendor of pottery museum at Red Wing, MN; the historic musefall into October and um at Pepin,WI, birthplace of Laura Ingalls Wilder who sometimes beyond. The wrote the “Little House on the Prairie” series; one of preferred way to do these the greatest views of the river valley at Buena Vista tours is “open-air” in a Park at Alma, WI; and charming old Trempealeau, WI convertible, top down or with Perrot State on a motorcycle. Of Park teeming with course you’ll notice that most every activity includes birdlife. From La a lake, river or body of water. That’s what makes this Crosse take Interarea so special. Here are a three favorite autumn state 90 into Minneroad tour routes and four autumn encore experiences sota, then Highway to help you enjoy the very best of the season. 61 to Red Wing. Cross into Wisconsin on Hwy. #63 then HIT THE ROAD! follow Hwy. 35 south, back to La Crosse. Great River Ramble You can drive this The Great River Road (GRR) is an officially designated route of about 200 scenic bye-way of river roads that follow the Mississip- miles in a day, but pi River from its start as a dribble in Itasca, Minnesota allowing more time to explore, it makes a coursing through 10 states to New Orleans and the Gulf of Mexico. There are scenic visits along the entire wonderful 2-3 day getaway. route, but many travelers agree, no section is more The Dairyland Riviera

“Wright Brothers National Memorial”

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Hurrying from Chicago or Milwaukee to Door County, many travelers choose the fast lane north through Green Bay on Interstate I-43. Off to the east, however, starting at Sheboygan, is an optional route that offers outstanding views of Wisconsin rural country, Lake Michigan and great harbor towns along


the way. Exit on Hwy. #23 east into Sheboygan where the Lake Michigan waters off Broughton Drive host the Midwest Surfing Championships each Labor Day Weekend. Take North 14th Street north and follow it as it becomes 15th Street, “Lakeshore Road, Hwy. “LS ” Stay on LS north to the world famous, award-winning Whistling Straits Golf Course at Haven. Ranked with the world’s finest golf links, Whistling Straits was the site of the 2004 and 2010 PGA Championships, it hosts that tournament again in 2015 and then the “grand prize” the 2020 Ryder Cup Tournament. Golfers may want to stop for a drink on the patio of the Irish-style stone club house. Watch golfers whack their way to the stunning 18th green (called “Dyeabolical” after designer Pete Dye.) Follow Hwy “LS” into Manitowoc, visit the Wisconsin Maritime Museum and the USS Cobia WWII Submarine. Stop at the Rahr-West Art Museum then follow Hwy. #42 north along the Lake Michigan shore into Two Rivers where the Ice Cream Sundae was first created (1881). At 22nd Street take Highway “O” – Wisconsin Rustic Road #16 – to Point Beach State Forest. The white sand beach stretches for six miles and is perfect for brisk autumn strolls. A short jog up the dunes takes you to the Rawley Point lighthouse. Follow Hwy. “O” to “V” back to Hwy. #42 north and the picturesque towns of Kewaunee and Algoma. Stay along the lake by taking County Hwy. “S” then “U” north from Algoma to Highway #57 and #42 at Sturgeon Bay. Door

County is a leaf peepers paradise, so head in any direction. This route runs about 90 miles and makes a great day trip. The Cranberry Highway Among the most spectacular autumn scenes is a cranberry marsh during harvest season. The marsh is flooded and harvesters move from berm to berm raking berries from the vines. The bright crimson fruit float to the surface where they’re gently gathered, put into trucks and taken to

processing plants. Wisconsin typically harvests the largest portion of the United States’ cranberry crop and the epicenter of activity is in the Wisconsin Rapids area. About ten years ago local promoters realized that Today’s BoomeR 7


many autumn travelers had never seen this dazzling harvest in progress. They laid-out a 49 mile self-guided scenic tour route for automobiles and motorcycles and called it “The Cranberry Highway.” It runs through the heart of Wood County and Central Wisconsin’s famous cranberry growing region. Another route, The Cranberry Trail, was outlined for use by bicycle riders. A special optional 17 mile Wildlife Viewing Loop Tour through the Sandhill Widlife Area has been incorporated in both tours. This is a great place to see and photograph deer, loons, eagles, Canada Geese, marsh animals and even a captive buffalo herd. The 49 mile auto tour route follows scenic and wellmaintained state and county roads.It includes visits to marsh harvest sites, wildlife areas, historic sites, markets, shops and restaurants where travelers can see, experience and enjoy Wisconsin’s number one fruit crop. Driving times will vary depending on the number of stops and the length of time taken at each one. Several growers and the Pittsfield FFA offer excellent guided tours. Advance reservations are usually required.

SAMPLES OF THE SEASON! You may not have a whole weekend, or even a day, so here are a few autumn diversions to make a few hours feel like a getaway. Madison - UW Memorial Union Terrace – University of Wisconsin students set aside their studies to soak in sensational views of Lake Mendota, sunsets, sailboats and each other. You can get into a challenging chess game, discuss nuclear fusion, talk state politics or dissect TV series anytime. Jazz, rock, blues and ethnic music concerts are regular features. Don’t let the students have all the fun. Pull up a chair, breathe the fall air and “just be. Dubuque- Iowa – Ride the Fenicula – See Eagle Point Park – This vibrant river town offer casino gambling, excellent shopping and the National Mississippi River Museum. For a quick autumn thrill catch a ride – and great views- on the Fenelon Place Elevator, 296 feet up a bluff in downtown Dubuque. Then drive a twisting road up a forested bluff to reach spectacular

*Gary Knowles, Today’s BoomeR’s Travel Writer, is freelance photo-journalist and travel consultant based in Madison, Wisconsin. He is the Upper Great Lakes Columnist for Journal and Topics Newspapers in Des Plaines, IL, serves as Travel Advisor to the Wisconsin Public Radio’s Joy Cardin Show and is author of “The Great Wisconsin Touring Book – 30 Spectacular Auto Tours.” 8 Today’s BoomeR


WHEN YOU GO: GREAT RIVER ROAD http://www.experiencemississippiriver.com/greatriver-road.cfm La Crosse, Wisconsin http://www.explorelacrosse.com/ PH: 800-658-9424 Minnesota Marine Museum – Winona, MN http://www.minnesotamarineart.org PH: 866-940-6626

Eagle Point Park, 164 acres overlooking the Mississippi River Valley. Some 500 feet below is Lock and Dam #11. You can see parts of Iowa, Illinois and Wisconsin. Autumn colors in the river country can be awesome. Bring binoculars, watch for eagles, migratory birds and river traffic. It’s an easy scenic drive on Highway #151 less than two hours from Madison. Minocqua - Northwoods Electric Boat Tour – Some of Wisconsin’s most splendid Northwoods color can only be seen from the water. This classic electric launch owned and piloted by Bay View Resort innkeepers Jim and Kelly Phillips is sensationally quiet. Seating up to a dozen people it is powered by sixteen batteries. It’s quieter than a canoe, spews no gas fumes and feels as if you’re being pulled through the water by an invisible magic cord. Enjoy loons calling, fish jumping or eagles soaring overhead. Call to set up a tour. Bring Wisconsin wine and cheese for a perfect picnic. Merrimac – ColSac III (free) Ferry– This is fun anytime, but in autumn the Wisconsin River is totally dressed for the season! From Prairie du Sac, WI follow colorful Hwy. #78 to Merrimac. Or from Madison take beautiful Highway 12 north to Hwy.#188 along the Wisconsin River to the ferry landing. Drive aboard the Col-Sac III for a free ride across the Wisconsin River to Merrimac. Once you try it, this trip can easily become a fall tradition.

The National Eagle Center – Wabasha, MN http://www.nationaleaglecenter.org/ PH: 651-565-4989 The Red Wing Area and Pottery Museum Information – Red Wing MN http://www.redwing.org/ PH: 800-498-3444 Stockholm Pie Company –Stockholm, WI http://www.stockholmpiecompany.com/ PH: 715-442-5505 The Laura Ingalls Wilder Museum – Pepin, WI http://www.lauraingallspepin.com/ PH: 715-442-2142 Buena Vista Park – Alma, WI http://www.wingsoveralma.org/visitalmathecenter/ buenavistaparktrail.html PH: 608-685-3330. Trempealeau, WI and Perrot State Park http://www.trempealeau.net/ PH: 608-534-6780 THE DAIRYLAND RIVIERA Sheboygan Travel Information http://www.visitsheboygan.com/ PH: 800-457-9497 Manitowoc – Two Rivers Travel Information http://www.manitowoc.info/ PH: 800-627-4896 Point Beach State Forest http://dnr.wi.gov/topic/parks/name/pointbeach/ PH: 920-794-7480 Kewaunee Travel Information http://www.cityofkewaunee.org/ PH: 920-388-5000 Algoma Travel Information http://www.Algoma.org PH: 920.487.2041 THE CRANBERRY HIGHWAY Tours: http://www.visitwisrapids.com/cranhwy PH: 800-554-4484 SHORT AUTUMN GETAWAYS The UW Wisconsin Memorial Union http://www.union.wisc.edu/terrace/ PH: 608-265-3000 Dubuque, Iowa http://traveldubuque.com PH: 800-798-8844 Northwoods Electric Boat Tours Bayview Inn – Minocqua www.bayviewminocqua.com PH: 877-215-8051 or 715-356-9610 The Colsac III Ferry http://www.dot.wisconsin.gov/travel/water/merrimac.htm PH: 608-246-3876

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BOOMERS BACK TO SCHOOL The young at heart follow their passion in increasing numbers By Julie Christensen and Katie Weddle Langer Back in the day, the phrase “non-traditional student” described a minority group of college students who were over the age of 22, enrolled part time, had dependents, worked full time, or all of the above. Today, these so-called “adult learners” are much more commonplace on college campuses, and baby boomers are among them. According to the National Center for Education Statistics, college enrollment of students ages 50 to 64 increased 17 percent nationwide between 2007 and 2009. More generally speaking, college enrollment of students 25 and older rose 43 percent between 2000 and 2009, compared to an increase of 27 percent for students 25 and younger. So why are more boomers returning to or going to college for the first time later in their lives? The answer is pretty straightforward. Just ask Jamie Hill, a 53-year-old student at Globe University in Madison, Wis. 10 Today’s BoomeR


“After raising seven kids and having all of them grown up but one, I decided it was time for me to do something for myself,” she says. Hill is enrolled in the veterinary technology program at Globe’s Madison East campus. Globe is a family-managed career college based in Woodbury, Minn., that prepares students to be workready for careers in a wide range of fields. Students gain hands-on education that immerses them in real-world situations.

like kids to me,” Hill says. “I love animals and I love people, so it’s the perfect job for me.” For Brian Hagen, 55, returning to college was about revamping his skill set. He studies music business at Globe University-Madison East. “I decided to enroll at Globe because the industry in which I am involved is changing so rapidly that I need a well-informed source to get up-to-date,” Hagen says. “Also, my former degree had no business classes, and they are very useful in any market.” The Appeal At Globe’s Madison East campus, 10 of the 275 students are over 50 years old, and 37 students are between 40 and 49. Small class sizes that foster one-on-one attention are part of Globe’s “We Care” guiding philosophy that appeals particularly to its baby-boomer students. “The small class sizes are one of the biggest reasons I chose Globe,” Hill says. “I’d get lost in big classrooms. I love the extra attention we get here.” The university’s staff and faculty provide support from a campus-based student services department and lifelong career services assistance.

Photo: Barb Reilly, a baby-boomer graduate in the medical assistant program at Globe University in Madison, WI, weighs a child during a wellness clinic held on the campus. The clinic is one example of many hands-on educational experiences students receive at the university.

When Hill graduates with an associate in applied science degree in June 2013, she’ll be ready for a job as a veterinary technician—a role that aligns with her passion for animals. “I’ve always been one to bring in strays; they are

“Everybody at Globe cares,” says Barb Reilly, a boomer-aged graduate in the university’s medical assistant program. “All of the staff and faculty that I’ve come in contact with here want you to succeed.” So what is it like attending classes as a baby boomer? For Hill, it’s seamless. “I’ve never felt like I’m the old lady on campus,” she says. “The students make me feel like I’m one of the gang.” And as she tells her friends and family, “You’re never too old to go back to school.” Sources: http://nces.ed.gov/programs/digest/d11/tables dt11_201.asp http://nces.ed.gov/fastfacts/display.asp?id=98

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Reinventing Yourself:

Following The New “Boomer-Preneuership” Your Dreams By John A. Vardallas, CAE, CUDE Founder/CEO TheAmericanBoomeR.com The current economic downturn has given rise to many new startup companies. One of the fastest growing areas is small businesses led by baby boomer men/women who seized the opportunity to strike out on their own. Hats off to them! Americans ages 55-64 form small businesses at a higher rate than any other age group, and women are at the core of new breed business leaders. They are the examples of the other side of the glass being half full after suffering a job loss or loss of employment due to recessionary times of the last few years—not being down, out and depressed about the economy. They are the ones that have the guts to take the first steps toward starting their own business. Small businesses drive new business and are critical to the economic health of our nation rebounding. Entrepreneurs fuel the growth of our nation generating 75% of new jobs in the USA. Many boomers who are over the age of 50 have embraced the mantra “no guts no glory” in pursuing their dream and will go into their golden years with a “Work-tirement” mindset. Change is no longer a force in the business environment--it IS the business environment, and embracing change is an opportunity for renewal and can help fuel your pursuit. Starting your own business and following your own path is not for the faint hearted. 12 Today’s BoomeR

After 50 Hesitant about starting your business to follow your dreams? Take a look at a few success stories of people who started later in life and achieved their dreams! Colonel Sanders Owner of Kentucky Fried Chicken, Harlan David Sanders (Colonel Sanders) was 65 years old when he started his business franchise. Nelson Mandela At 74 years old, Nelson Mandela became the oldest elected president of South Africa. Julia Child Julia Child was 49 when her first cookbook Mastering the Art of French Cooking was published. Henry Ford When he was 45 years old, Henry Ford introduced the Model T automobile and at 60 years old created the first car assembly line.


It requires mega doses of Passion for what you do, Perseverance of never looking back and the Patience to cultivate your business for the long run. I offer the following suggestions and questions to ask yourself while soul searching to get you started on the path to being your own boss: 1) Start with your idea— what is that you want to do or create? Does

it inspire you and 4) Know how you will be others? What niche will able to fund your it fill? Is my idea business and what practical? Can I create financing you will a demand for my need. product/service? 5) Be prepared to market 2) Test your idea—will yourself and your your product or service business. Remember: gain acceptance in the You Are the Brand! marketplace? What will I name my business and where 3) Create a Business Plan will I locate?. for your new venture. What will be your goals 6) Scan your and what skill sets/ Competition: Know experiences do you who you will be up bring to the business? against. What is your competitive advantage Today’s BoomeR 13


over existing organizations? 7) Utilize Technology to help you manage and grow your business. (Online/Off Line?)

Boomer Resources for Starting Your Own Business 

8) Monitor/Evaluate your progress. 9) Identify your Success Metric. How will you measure achievements? Money, Service to others, Satisfaction, Making a Difference? 10) Be prepared to fail, learn and reset your pathway to success. Seek help from others along way (vendors, other small businesses, government agencies, trade associations).

Small Business Administration

Local University/Community College Small Business Departments

SCORE (Counselors to Americas Small Business) Chapters

And remember the adage of having a passion for what you do before profit. This will test and drive your new venture. The road to success is also paved with failure (teachable moments). Your future success will be measured by how much you invest in keeping your self growing and going and “Never Letting Go of Your Dreams”!

Credit Unions

Strategies To Improve Your Business Keep Up Your Skills & Competencies

 

Think Positive

Challenge Yourself To Learn Something New

Build Networks and Stay Connected

Bring You’re A-Game to Work Everyday

Look for Ways to Help Your Business Be Successful

Learn to Think Outside The Box

Reward Yourself Periodically by Celebrating Your Accomplishments 

 14 Today’s BoomeR

Local Business to Business Networking Groups 

As a new small business owner you will need to constantly build your competencies and network of contacts. The future business environment will continue to change rapidly and become more Darwinian, and you need to become a survivor by adapting to change—one with resiliency who is not thrown by crisis, defeats, or failures.

Chambers of Commerce

Maintain A Survivor Mindset

Be Passionate About What You Do


Pop Quiz: Are Small Businesses Really Driving the U.S. Economy? By Bruce Watson

Politicians often argue that small businesses are the lifeblood of America, the engine that fuels the country's economy. But what, exactly, is a small business -and how big an effect do they have on daily life in the U.S.? To help illustrate the role of small businesses, we've put together this little quiz. If you've ever wondered about the little companies that could, take a peek. 1. What is the maximum number of employees that a company can have and still be considered a small business? A. 50 B. 500 C. 1,500 D. 2,000 Answer: C (1,500) According to the Small Business Administration's size standards, the definition of small business varies widely, depending upon the industry that they work with. For example, petroleum refineries, ammunition manufacturers, and thirteen other businesses can qualify as "small businesses" if they have fewer than 1,500 employees. 2. What is the maximum yearly income that a company can have before it is no longer considered a small business? A. $650,000 B. $950,000 C. $1 million D. $35.5 million

A. 50 B. 250 C. 750 D. 1,500

?

Answer: A (50) In the European Union, policymakers take the idea of small businesses at face value. According to the SME User Guide of the European Commission, a small business can have no more than 50 employees. Interestingly, this is also the cut-off line drawn by the Patient Protection and Affordable Care Act. 4. What percentage of the U.S. private sector payroll comes from small businesses? A. 5% B. 20% C. 43% D. 57%

Answer: C (43%) According to the Small Business Administration, a stunning 43% of all private payroll in the U.S. comes from small businesses. In other words, almost half of all privately-paid salaries come from small businesses, not big conglomerates. 5. What percentage of small business owners are millionaires? A. 1% B. 3% C. 10% D. 40% Answer: B (3%) Tax critics argue that increasing taxes on millionaires would cripple small businesses. In reality, however, only 3.31% of small business owners make $1 million or more per year. In fact, over 75% make less than $200,000 per year -- putting them well below the cut-off for President Obama's proposed tax increases Small businesses are a big part of the engine that propels the American economy -- study after study shows that they are the quickest to add jobs, the biggest growth sector of the economy, and a major contributor to GDP.

Answer: D ($35.5 million) Another way of looking at a company's size is its yearly income. For parking lots, industrial launderers, home centers and fourteen other But are America's small businesses being used to sell its businesses, yearly gross income of $35.5 million is the cut- taxpayers a bill of goods? When huge airline manufacturoff between a small business and a large one ers and home repair stores are getting many of the same 3. In the EU, what is the maximum number of employ- benefits as the local mom and pop store, it's worth asking ees that a company can have before it no longer quali- if we need to reconsider our small business standards -and support the people who really need it. fies as a small business? Bruce Watson is a senior features writer for DailyFinance. You can reach him by e-mail at bruce.watson@teamaol.com, or follow him on Twitter at @bruce1971.

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BOOMER HEALTHY EATING: Game Day Tailgate Grub! Don’t Get Rub the Wrong Way!

Recipes and Photos from Chef Eben Atwater www.urbanmonique.com

Grilling, barbequing or smoking means one thing, flesh. Nothing makes it yours better than a great rub: Don’t trust great flesh to a bottle from who knows where. Stuff somebody else made means that you have no idea of or control over how fresh it is or what the proportions are. If you want to truly shine at your next tailgate shindig and you’ve got a pantry full of years old spices, throw ‘em all out and start over. Go out and buy some top quality, fresh ingredients. Find sea salt, whole pepper, extra virgin olive oil, and anything else you really like, (Garlic, onion powder, sugar, smoked paprika, oregano); get nice fresh supplies of those too. Lastly, buy a cheap coffee or spice grinder and from now on, always buy your spices whole: Now you can get down to business. When it comes to rubs, you want one or two dominant notes, with two or three minor notes, as needed or desired. Simple is always best, so don’t add so many flavors that you muddy the blend. Pick your dominant notes and portion them 50% – 50% as a start point. If we’re going to prepare a rub for 3 or 4 nice 8 oz. T-Bone steaks, go with about 2 tablespoons each of dominant notes and a teaspoon each for the minor ones. Scale up or down from there as needed.

Go-To Beef Rub

at room temperature and then let there be fire…Once again, depending on the meal 2 Tablespoons Sea Salt desired, you could change this rub up as you 2 Tablespoons Pepper see fit: Add a ¼ teaspoon of chili powder, rose1 teaspoon Onion powder mary or sage, or add a little lemon juice to the 1 teaspoon granulated Garlic oil. Get the idea? Notice the lack of sugar in that 1 teaspoon smoked sweet Paprika rub: Why is that? Simple question, simple Put all that in your spice grinder, give it a answer – Cooking method. With steaks, we’ll whirl and off ya go. I’ll rub the flesh with cook relatively hot and fast, so sugar is not a light coat of olive oil and then work the what we want, because it can and will burn unrub into it, coating thoroughly, about 30 der those conditions, and we don’t need to ruin good meat. to 45 minutes prior to grilling. Let it sit Eben Atwater is a Chef and writer who began cooking professionally in the 1970’s in Washington State and Idaho. In addition to a food blog he publishes with his wife and partner-in-crime Monica, Eben is an accomplished musician and instrument maker. He lives in western Washington State where he manages a bakery-café. Visit www.urbanmonique.com 16 Today’s BoomeR


Go-To Chicken Rub 2 Tablespoons Sea Salt 2 Tablespoons mild Green Chile powder, (Hatch again!) 1 Tablespoon Pepper Blend 1 Tablespoon Smoked Paprika 1 teaspoon dried Lemon Peel 1 teaspoon dried Orange Peel Grind ‘em up, oil the bird and massage the rub right in. Poultry should always be kept cold for food safety reasons, so allow it to blend in a cooler until you’re ready to grill.

BONUS: Touchdown Chili 1 lb. ea. lean ground beef and pork 1 12 oz. can each white, kidney, pinto, black, or garbanzo beans 2 cups tomato, diced, crushed, or pureed as you prefer 1 sweet onion, diced 2 cloves of garlic, fine dice 1 each red, orange, or yellow bell pepper 1 or 2 hot chili of your choice. ½ cup cilantro, chiffenade cut 1 teaspoon Mexican Oregano ½ tsp. Cumin ½ teaspoon ground pepper 2 cups beef or vegetable stock 2-3 cups of water (start with 2 cups and see if you need more) Put beans, 2 cups of water, and the tomatoes into a crock pot or large soup pot over medium heat. Stir often, and as soon as this comes up to heat, reduce so that it is on a low simmer.

Chicken lends itself to many variations of rub or marinade, so you almost cannot go wrong. You’ll find a lot of chicken rubs with sugar in them, but I lean toward citrus for sweet-tart notes instead, (The sweet notes are already there in the basic flesh anyway). With fresh, custom-made rubs in your quiver, I’m willing to bet that in short order you’ll need to up the portion count at your next tailgate party, so be ready, Amigos!

Lightly brush your bell peppers and chilies with olive, salt and pepper. Place them on a baking pan whole and slide that onto a fairy high rack with your oven on broil. Keep an eye on the peppers and chilies and rotate them as they blacken and blister. When they're done all around, pull them out and let them cool enough to touch. Remove stems, seeds and veins and rough chop. Pour a few tablespoons of olive oil in a skillet or sauté pan and let it get nice and hot. Toss in your onions and sauté until transparent. Reduce heat to medium and add the garlic, cilantro, diced and roasted peppers, chilies and corn. Add the veggie stock and all spices to your liking, (Those amounts are a decent starting point to middle ground volume; do more or less as you please!) As this gets up to a simmer, throw it all into the big pot and let the flavors blend on a low simmer for at least 2 hours, (and the longer, the better!) Today’s BoomeR 17


Social Security: If 2013 is Your Lucky Year to Retire, Prepare Now By Karyl Richson Social Security Public Affairs Specialist in Milwaukee, WI

Do you plan to begin receiving Social Security retirement benefits early in 2013? If so, now is the time to prepare. We recommend you apply up to four months before you want your retirement benefits to begin. These days, you no longer need to travel to an office or wait in line to apply for benefits. You can do it from your home or office computer. The Social Security website at www.socialsecurity.gov makes the process easy and convenient. You can complete your application for retirement benefits in as little as 15 minutes. In most cases, after you submit your online application electronically, that’s all you have to do. You’re done. There are no forms to sign or additional paperwork to complete. In rare cases where we need additional information, a representative will contact you. Not ready to retire yet? Perhaps you want to plan ahead and begin considering your options regarding when to retire. In that case, you’ll want to visit Social Security’s website to use our convenient and informative retirement planner at www.socialsecurity.gov/retire2. Here you can find out just how close you are to meeting your financial goals and then “bookmark” the website to apply for retirement benefits whenever you are ready. We encourage people at any stage in their working career to use the Retirement Estimator for an instant, personalized estimate of future retirement benefits. Find it at www.socialsecurity.gov/estimator. Remember that you’re always first in line when you go online, to www.socialsecurity.gov. Here’s to a lucky 2013. If you’re planning to retire and begin receiving Social Security benefits in January, start the year off right by applying online now for Social Security benefits.

18 Today’s BoomeR

Your Social Security Questions Answered Q: What can I do to protect myself against identity theft? A: First, don’t carry your Social Security card in your wallet. Keep it at home with your other important papers. Second, avoid giving out your Social Security number. While many banks, schools, doctors, landlords, and others will request your number, it is your decision whether to provide it. Ask if there is some other way to identify you in their records. To report identity theft, fraud, or misuse of your Social Security number, the Federal Trade Commission, the nation’s consumer protection agency, recommends you: Place a fraud alert on your credit file by contacting one of the following companies (the company you contact is required to contact the other two, which will then place alerts on your reports): Equifax, 1-800-525-6285; Trans Union, 1-800-680-7289; or Experian, 1-888-397-3742. 2. Review your credit report for inquiries from companies you have not contacted, accounts you did not open, and debts on your accounts you cannot explain; 3. Close any accounts you know, or believe, have been tampered with or opened fraudulently; 4. File a report with your local police or the police in the community where the identity theft took place; and 5. File a complaint with the Federal Trade Commission at 1-877-438-4338 (TTY 1-866-653-4261).


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Here is a Sneak Peak of the Next Issue of Today’s BoomeR! November/December Issue: 

Caring for Others and Yourself

Boomer Finances: Looking for Green in 2013?

Making a Difference: Receiving Through Giving

Boomer Healthy Festive Eating

Boomer Top Electronic Picks

Boomer Travel: Holiday Hot Spots

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24 Today’s BoomeR

Today's Boomer Vol.1 No.4 September/October 2012  

This issue celebrates the choices that are motivated through passion, commitment and sacrifice. Our feature on “Boomers back to school”, and...

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