Simply55 issue10

October 2014

EE FR

Southern Nevada’s Premier Magazine For Active 55+

Oatman Arizona

Living The 55+ Local Lifestyle

A Living Ghost Town On Historic Route 66 Pg. 30

Yoga

Pg. Pg. 88

In Praise Of The Pumpkin Pg. Pg. 18 18

Retirement Myths Pg. Pg. 28 28

And Much More!

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October 2014

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from the

Staff

The staff at Simply 55+ is excited to share our first year anniversary with our readership. We have experienced exceptional growth as a result of your genuine interest and participation in helping to shape our publication into one of the valley’s fastest upcoming local magazines. Our dedicated staff has worked tirelessly to develop our format into a magazine that is both easy to read and flows in content. Your response confirms that we are on the right track. All of us here at Fader Publishing extend our sincere gratitude for your continued enthusiasm as we embark into our second year. Your comments are greatly appreciated!

With Warmest Thanks, — Simply 55+ Staff

Publisher Scott Worrall

Editor in Chief Wayne Morgan

Creative Director Jared Burch

Contributing Writer Barbara Worrall

Advertising Director Dan Stern 702-806-4751

Executive Assistant Martha Zerblis

Circulation & Distribution LV Distributing Mission Statement

To provide a comprehensive guide for value, quality and affordable ways for seniors. To enhance and elevate the standard of home, as well as senior leisure life in Southern Nevada.

While making you feel informed and a part of our growing community.

Subscriptions

You can mail your subscription request to: 1176 Center Point Dr, Henderson, NV 89074 Simply55+ Magazine is published Bi-monthly

by Fader Publishing LLC. Copyright 2013. All rights reserved. Reproduction in whole or in part without permission is prohibited. Opinions expressed by contributors are not necessarily the opinions of this publication.

The staff and writers at Simply 55+ are not medical doctors therefore we cannot give medical advice. The information provided on any topics presented herein is not presented with the intention of diagnosing or treating any disease or condition. This information is for entertainment purposes only. No responsibility is assumed by Simply 55+, the authors nor anyone connected with this magazine, or it’s companion website for the use of this information and no guarantees of any kind are made for the performance or effectiveness of the recommendations and information provided.

If you have questions please contact a licensed medical professional.

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October 2014

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Contents October 2014

Beauty, Health & Fitness Beauty, Health & Fitness Beauty, Beauty, Health Health & & Fitness Fitness Beauty, Health & Fitness pg 8

Yoga – Benefits For Seniors

pg 12

The Benefits of Essential Oils

Entertainment & Food

pg 16

pg 16

6 Surprising& Beauty Entertainment FoodUses For Green Tea Entertainment Entertainment & & Food Food Entertainment & Food

pg 18

In Praise Of The Pumpkin

pg 22

Tips For Making Hearty & Healthy Soups

Financial

Financial Financial Financial Financial

pg 24

5 Effective Ways To Stick To Your Budget

pg 28

Auto TravelMyths Common Retirement

pg 30

Auto Travel Auto Travel Auto Travel A Simple And Fun Trip To Oatman, Arizona Auto Travel pg 22

Home Improvement & Lifestyle 5 Effective Ways To Spruce Up A Front Entry Home38 Improvement & Lifestyle Home Improvement &&Lifestyle pg 40 Picnic With Some Pups Home Improvement Lifestyle Home Improvement & Lifestyle pg

pg 4 pg 42 pg 48

6 Simply55+

From The Staff New Residents Simply Facts

October 2014

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Benefits for Seniors Seniors are vulnerable to ageHome Improvement &can Lifestyle related ailments, and suffer from arthritis, poor blood pressure and other conditions.

They can improve their health by practicing yoga poses and pranayama breathing methods regularly. Read on to know the many health benefits of yoga for seniors.Â

Better Sleep

Yoga can help the elderly sleep more soundly and thus get adequate rest. A research study found that yoga was better than an herbal remedy in enhancing

sleep duration. Yoga practice also made the participants fall asleep more quickly. Seniors can thus use yoga to sleep well at night, and feel refreshed and energetic the next day.

Pain Alleviation

Seniors are susceptible to chronic muscle and joint pain. A study conducted by Harbor-UCLA Medical Center reveals that yoga participants required less medication for pain relief. Seniors can thus benefit from the physical activity and social interaction of yoga classes.

Continued on pg. 10

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October 2014

Simply55+ 9

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Lowered Blood Pressure

Seniors suffering from elevated Entertainment Food blood pressure can get&relief from yoga which combines physical activity with mental relaxation.

In an Indian study, participants were able to reduce their blood pressure after a few months of regular yoga practice. Another research project reveals that Financial pranayama breathing methods were more successful in lowering blood pressure in participants compared to listening to soothing music.

Stronger Bones

Auto Travel

Senior citizens are vulnerable to osteoporosis which weakens the bones. They can benefit from consistent yoga practice which can effectively slow down and prevent loss of bone density.

Yoga is gentle on the bones and body, and can be to Home Improvement & used Lifestyle relieve an existing condition. A

study with seniors found that yoga actually helped them gain bone after two years of regular practice.

Enhanced Flexibility

As the body ages, it becomes less supple and flexible. Yoga lubricates joints and stretches muscles, which improves flexibility and joint movement.

Thus, yoga is ideal for arthritis patients and people suffering from stiff joints. Seniors can feel more mobile and supple after just a few yoga classes.

Conclusion

Seniors should get their doctor’s green signal before starting yoga practice. They should take it easy and avoid complicated poses.

Those suffering from chronic conditions should approach their instructor for special coaching and personal guidance. Yoga is ideal for seniors as it is relatively inexpensive, easy to practice, and provides the proven health benefits summarized above. +

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Beauty, Health & Fitness

The Benefits of

Essential Oils vs.

Fragrance Oils in Soap

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October 2014

growing trend of people looking for natural options. And from that demand has emerged a wide variety of all-natural soaps containing essential oils instead of the more common fragrance oils found in commercial soaps. The price might be a little higher than what you’re used to, but you’ll find comfort in knowing that your soap doesn’t contain any of those nasty chemicals.

So, why should you spend the

extra dough on natural soaps?

What are essential oils and how are they better than fragrance oils? These are the things I’d like to address.

Essential oils are therapeutic oils derived from seeds, flowers, plants, herbs, and other natural sources. The oils are extracted by a pressing or steaming process.

The result is a clean scent that smells delightful and is good for your body. Natural soaps that contain essential oils leave your skin feeling pleasant and smooth.

They also possess many healing properties that are beneficial to your skin.

Continued on pg. 14

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Continued from pg. 12

Fragrance oils are synthetically produced chemical compounds.

TheyEntertainment are available in many & Food different scents, but they don’t provide any of the benefits to our skin that you get from using all-natural soaps. In fact, it’s not uncommon for these commercially-produced soaps to cause rashes and other skin Financial irritations.

Our skin is the largest organ we have. When using a skin care product, it is absorbed through our pores and into our body. This means that the harmful, synthetic Travel substances foundAuto in fragrance oils don’t only affect our skin, but also our overall health. Longterm exposure to the toxins and chemicals in commercial soaps and shampoos can potentially lead to illness.

Home Improvement & Lifestyle

Natural and homemade soaps contain glycerin, which is great for softening the skin.

Commercial soaps remove the glycerin during production in order to sell it to other companies who make lotions and moisturizers. The absence of glycerin in these soaps tends to dry out your skin and make it feel tight, which will more than likely lead you to buy those lotions and moisturizers in order to get your skin back to normal.

Since the glycerin in natural soap moisturizes your skin while also cleaning it, it can eliminate the need to buy those extra products.

Something that most people don’t realize is that soap made with fragrance oils isn’t really soap at all. They’re actually detergents. If you look at the packaging, you’ll see that most of them don’t even use the word ‘soap’ because, legally, they can’t. Instead, you will see names like ‘body bar’, ‘moisturizing bar’, ‘beauty bar’, or something similar. These synthetic soaps are not only bad for you, but they’re bad for the planet.

You see, when you use synthetic, fragrance-based soaps and shampoos, you’re sending all those chemicals and toxins down the drain and they eventually find their way into our ecosystem.

Some of these substances have even been known to find their way through filters at water purification facilities. One of these chemicals, known as phthalates, has been linked to reproductive disorders.

If you value your skin, your health, and the environment, you should strongly consider switching to all-natural soaps, shampoos, and other skin products made with essential oils instead of their commerciallyproduced counterparts. Chances are, you will enjoy the benefits you receive from these real soaps, and you’ll be hard-pressed to go back to the world of fragrancecontaining detergents that are disguised as soaps. Give it a try and see what you think. + Not That Old And Loving It!

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October 2014

Simply55+ 15

Beauty, Health & Fitness

6 Surprising Beauty Uses for Green Tea A fresh cup of green tea can serve as a relaxing break from hectic day-to-day life, but many Entertainment people don’t realize that it can also provide a bevy of surprising beauty benefits. The nutrients and antioxidants that green tea is packed with make a great, inexpensive addition to any beauty regimen. Below are a few of the biggest benefits that green tea has to offer.

Reduced Redness and Swelling: & Green Foodtea can be applied topically to help

reduce the appearance of puffy, scraped, swollen, or sunburned skin. The tannins in tea help to relieve itches and mild discomfort, such as bug bites or razor burn, and also sooths irritated skin so that redness and inflammation are less noticeable. Some studies even suggest that applying green tea to the skin can aid Financial Younger-Looking Skin: those suffering from psoriasis.

Green tea is packed with potent antioxidants

that can help diminish the appearance of Less Bloat: wrinkles. Not only that, but studies have Because tea is a mild diuretic, drinking at least shown that both drinking green tea and a cup each day can cut down on bloat caused applying it directly to the skin can significantly by water retention. Many people carry around improve skin moisture and elasticity, which can extra pounds of unnecessary fluids without help fight off sagging, dull-looking skin.

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lighter without making any other lifestyle Using freshly brewed green tea as a rinse can adjustments. help strengthen hair by reducing UV damage,

and the nutrients it contains will give hair a A Smaller Waistline: more lustrous, healthy glow. Simply make tea Green tea has long been a staple of weight the same way you would if you were going to loss plans, and for good reason. The chemicals Home Improvement & Lifestyle drink it, then allow it to cool before applying it in green tea boost the body’s fat-burning to the hair. Allow it to sit for 10-15 minutes, potential, which is especially effective then rinse, shampoo, and condition as normal when combined with exercise. In addition, to reap the benefits! the caffeine found in teas works as a mild

appetite suppressant, which can make dieting

A Brighter Smile:

The powerful catechins found in green tea have been shown to reduce the risk of gum disease and protect against bleeding and inflammation of the gums. Not only that, but people who drink green tea regularly are prone to fewer cavities and lower loss of tooth enamel, as well. If that’s not enough, the chemical compounds in tea can wipe out bacteria that cause bad breath.

16 Simply55+

October 2014

easier by reducing hunger pangs and the urge to over-eat.

As you can see, green tea earns its place in any beauty supply arsenal. The all-natural compounds it contains offer some of the most powerful benefits available, all without the need to spend outrageous amounts of money.

Whether drinking a cup or two each day or using it topically, green tea can help anyone look and feel younger, healthier, and more radiant. + Not That Old And Loving It!

Not That Old And Loving It!

October 2014

Simply55+ 17

Entertainment & Food

In Praise of the Pumpkin Financial The night is dark and blustery, and the sleet nips at your nose. As you walk toward your grandmother’s door, seeking shelter from the raw elements, two glowing, eerie eyes watch Auto Travel your approach. A sinister grin mocks you as you edge forward.

Despite the growing lump in your throat, you bravely walk to the door and ring the bell.

Grandmother greets you with a warm hug and a kiss, and you– safelyImprovement protected in her arms– Home & Lifestyle marvel at the cleverly carved Jack O’Lantern in her window.

Pumpkins are one of the wonders of autumn. Perhaps the first recorded use of the pumpkin as a “weapon” was the Headless Horseman hurtling one at the hapless Ichabod Crane in Washington Irving’s “The Legend of Sleepy Hollow.” Fortunately, most people find more mundane– and enjoyable–uses for their pumpkins.

Is there really any more versatile creation in the world? From desserts to decorations, the scary to the savory, nothing else matches this amazing gourd.

Of course, when you mention a

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October 2014

pumpkin, the first thing people think of is pie. Nothing can match the delicate flavor of a traditional pumpkin pie. [Incidentally, there is one best way to eat pumpkin pie. First, eat the filling, making sure that your fork scrapes the crust clean. Then, eat the crust.

With the filling having marinaded the crust, you will get a light and delightful taste sensation.] Best of all, pumpkin pie–in fact, most pumpkin dishes–blend a perfect combination of spices. This exceptional quartet is cinnamon, ginger, cloves, and nutmeg. When the aroma fills the air, you will have to say, “This is autumn at its best.”

Aside from their marvelous flavor, pumpkins are exceptionally nutritious. A one-half cup serving packs a quarter of your day’s needs for vitamin A. It is also a great source of calcium, fiber, iron, magnesium, potassium, vitamins C and E, and zinc, while only carrying 25 calories–roughly one-eighth the calories of a Hershey bar.

Regularly adding pumpkin to your diet can help reduce your cholesterol (LDL), protect against macular degeneration and Continued on pg. 20

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Continued from pg. 18

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cataracts, improve bowel and prostate health, and boost your immune system. The delicious Financial seeds, too, are rich in healthboosting ingredients such as l-tryptophan and phytosterols.

They are beneficial at reducing inflammation, fighting depression, preventing the formation of kidney stones, and more.

Auto Travel

Still, there is much more to the pumpkin than nutritional numbers. It’s really all about flavors and aromas. If you cooked and stored the remains of your Halloween Jack O’Lantern, you should have Home Improvement & Lifestyle ample pumpkin throughout the winter for all the treats you desire. The list is only limited by your imagination. Aside from the ubiquitous pies, there are also cakes, breads, cookies, pumpkin butter, roasted seeds, and spicy soups. Very often, people ask: “What is the best pumpkin for cooking?” The short answer is that you can use either variety; however, if you use a decorative pumpkin (i.e., the “Jack O’Lantern” variety), it will be harder to remove the “meat,” as it has more stringy fibers.

The cooking

variety usually has darker meat that is softer and easier to remove from the shell.

One particularly nice pastry, and an easy activity to share with the kids, is pumpkin cookies. On a brisk autumn’s evening, nothing is better than a cup of warm cider with a couple of cookies.

Ingredients: • One cup sugar • 1/3 cup shortening • Two eggs • One cup cooked pumpkin (fresh or canned) • ½ tsp. salt • Four tsp. baking powder • 2-½ cups flour • One cup walnuts

(Black walnuts add a special touch to your cookies.)

• One tsp. lemon juice • One tsp. vanilla • 1/4 tsp. ginger • 1/4 tsp. nutmeg • One cup raisins (optional)

Not That Old And Loving It!

Cream the shortening and add the sugar. Add the eggs and stir the mixture until it is light and fluffy. Add the remaining ingredients one by one, stirring well after each addition. Drop the batter by tablespoonfuls onto greased cookie sheets and bake at 375˚ F for 15 minutes or until the cookies are a light golden brown.

Although most of the pumpkin’s uses arise from its culinary versatility, there are many other ways to enjoy them. At Thanksgiving, use small pumpkins to complement a centerpiece of cornucopia, Indian corn, gourds, and nuts. Line your driveway with pumpkins– lit or not–as a “welcome sign” to your guests guiding them to the day’s feast. Carve and decorate them, letting the young ones use marker pens and construction paper to enhance their work. Make a scarecrow. Using the pumpkin as its head, get some straw for the body and fill any old clothes for the perfect effect. Let your imagination run wild.

Of course, some people run to excess.

Pumpkin growing contests are very popular, and it is not uncommon for the winning pumpkins to weigh well over 1500 pounds.

These monster varieties actually grow a pound per hour. Finally, for those who delight in sending pumpkins soaring through the air, look around and find someone with a pumpkin “cannon.” These are capable of launching their orange artillery amazing distances.

So there you have it. Not just an iconic symbol of Halloween, the pumpkin brings joy throughout autumn. During the Thanksgiving holiday, it especially brightens our days–a symbol of the passing year, a harbinger of the year to come. +

Not That Old And Loving It!

October 2014

Simply55+ 21

Continued from& pg.

21 Entertainment Food

Tips For Making Healthy And Hearty Vegetable Soups A bowl of hearty vegetable soup is not only Financial healthy, but it’s the ultimate comfort food on a cold winter evening. It’s a quick and easy way to get your recommended vegetable quota.

Plus, preparation can be simple and hassle free if you use a slow cooker or crock pot. You’ll find a variety of basic recipes for preparing hearty vegetable soup in cookbooks and on Auto Travel you the most. the internet. Here are some tips to make your hearty, healthy vegetable soup even more crowd pleasing and delicious: Pump Up The Taste With Herbs.

If you’re using fresh herbs, you’re going to need to add more to your soup than you Use The Freshest Of Ingredients. would if using dried herbs. This is because Vegetable soup tastes best when you start fresh herbs have a higher water content which with the freshest of vegetables. If you dilutes out some of the flavor. You can add have a farmer’s market, pick up some fresh a variety of herbs to vegetable soup to give Home Improvement preferably organic, vegetables to use in your & Lifestyle it more flavor but it’s best to stick to two or soup. Wash and chop your vegetables as soon three in any one recipe. Some suggestions as you get home and bag them until you’re include rosemary, marjoram, parsley, basil, ready to make your soup. If tomatoes aren’t in oregano, thyme, bay leaf, garlic, dill, and season, canned tomatoes will taste almost as parsley. These can really add to the flavor good as fresh ones. and allow you to cut down on the amount of unhealthy salt you use.

Vary Your Vegetables.

To add to the health value of your soup and Ways To Add Additional Flavor give yourself some variety, experiment with There are a variety of ways to add additional a variety of vegetables. Some suggestions flavor to hearty vegetable soup. You can mimic include lima beans, corn, carrots, okra, black the French by adding a spoonful of basil pesto eyed peas, cannelloni beans, cabbage, turnips, to a bowl of soup before serving it or sprinkle beets, sweet potatoes, parsnips, spinach, kale, it with freshly grated parmesan cheese. Some and any other fresh vegetable that strikes people even enjoy a spoonful of sour cream on your fancy. There’s no end to the variations of top of a bowl of vegetable soup. You can also vegetable soup you can make by creating new serve vegetable soup with a sprinkling of fresh vegetable combinations. croutons on top to add additional interest and flavor.

Consider Your Broth.

Why not make a large quantity of hearty When making vegetable soup, you can use vegetable soup and freeze it for use at a later beef, vegetable, chicken broths or even water time? It’s a meal that’s healthy and your for the base. Beef bouillon adds an additional whole family can enjoy. + meaty flavor to fresh vegetable soup. Try different bases and see which ones appeal to

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Financial

Effective Ways To Stick To Your Household Budget

For most people, life just seems to get more and more busy. The Travel demands for our Auto time pull us in many different directions and it can be difficult to focus our time and energy on important household matters, such as where we spend our money each month.

The simple premise of any budget is to spend less money than what Home Improvement you bring in. There & areLifestyle authors out there who write entire books on the subject of budgeting, but it does not have to be that complicated, or require hours of dry reading. Here are 5 simple and effective ways to keep your monthly budget under control and be on your way to a more happy and stress free life...with more money to spend and tuck away into savings!

1.

Create a monthly budget

spreadsheet. This will become the roadmap to getting your finances in order. Try to create one that spans the course of an entire year so that you can refer back to previous months with ease, and track the progress you make as you go.

The first section of the spreadsheet should be reserved for monthly bills that you have limited control over; things like rent or mortgage, utility bills, insurance, and all of the other necessary evils in your life. Once you have listed these bills out, create two columns next to each;

one to document how much you plan to spend paying the bill and one to document what you actually ended up paying. Any extra funds from subtracting these two totals become bonus money!

Next, create a second section to list the bills that you do have control over, although, it may not feel that way sometimes! This section should be reserved for medical invoices, credit card bills, and any loans that you have. You can call this section the “light at the end of the tunnel” section, because you will eventually reach it using your spreadsheet!

As with the first section, make two columns next to each listed item. In the first column, write down the amount you will pay on that bill each month and in the second column, write down the total you owe on that bill minus the payment that you make. The second column is the reward column because you get to watch the amount of debt decrease!

Last, but not least, is the spending money, savings, and income section. This is where life gets just a little more fun as it is the section with the net total you will have after paying your bills.

During the first month, your heart rate may go up when you see the total, but just remember that things will improve. Over time

Continued on pg. 26 Not That Old And Loving It!

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Continued from pg. 24

the money in this section of the spreadsheet should increase as Auto Travel your bill totals go down. List your total income and then subtract the money spent on bills; you will now have a clear picture of what is left to put in savings and spend on things you need.

2.

Track what you spend!

Home Improvement & Lifestyle Have you ever opened your

empty wallet only to wonder where all of your money went?

It happens to everyone at one point and as long as you have not fallen victim to a pickpocketing incident, or have sneaky children who have pilfered lunch money from you, tracking your spending money is easy on...yes, you got it, another spreadsheet! For this spreadsheet, you just need to create columns with spending categories such as groceries, gas, restaurant dining, home decor, entertainment, and all of the other things your household spends money on. After you have created your categories, be honest with yourself and start keeping a running total of what you spend on each during the month. At the end of the month, some of the totals may be alarming and you will gain insight as to where you need to cut back ($200 spent on espressos, yikes!).

For a fun family challenge, try to see if you can spend less in each category the following month!

3.

Dig for savings! Every year manufacturers circulate millions of dollars in coupons for consumers to hunt for and

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October 2014

find. Coupons can save you a lot of money on products you purchase and make your monthly spending budget stretch further.

If you can save an average of 50 cents per day, by using coupons for the products you buy, that is $182.50 back in your wallet over the course of an entire year! You do not have to make an entire career out of clipping coupons, as you see some people do on TV, but small savings here and there will add up to a lot of money over time.

4.

Use cash, not plastic!

Sticking to your budget means to only use the cash you have available for spending.

Credit card debt is one of the top financial issues that Americans face because it is easy to pull out a card to purchase something you would not be able to afford otherwise. It is time to put away your credit cards and only use them if there is an emergency. To make keeping track of your cash easy, create envelopes for things you need to buy and stuff each envelope accordingly. If there is extra cash in the envelope after making your monthly purchases, this money can then be transferred to a fund you may have fell short on, or you can stash it away in savings!

5.

Understand your wants and needs. A “need” is something that you have to have to function in life. Food, sanitary supplies, suitable clothes, and transportation are all considered Not That Old And Loving It!

things that you need. A “want” is something you wish to have, but your life is not going to be altered in any extreme way if you don’t have it. If you simply can’t afford to have the latest model cell phone, a designer purse, or top of the line clothes, then these items can go on your wish list and you can save up to buy them at a later date. When you are trying to live within a budget, it is important to know the difference between wants and needs.

Sticking to your monthly household budget can be quite simple as long as you have a plan of action in place. Start out by creating a spreadsheet so that you have a visual aid to plan with. After this, you can track your spending and see where there are opportunities to save. Then look for deals, use only the cash you have available to you, and understand what your wants and needs are in life. +

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Financial

Money Matters Auto Fall Travel Don’t for These Common

Retirement Myths

Planning for a long, happy and financially secure retirement is hard enough. The last thing you want to do is use the wrong information for that planning. Retirement myths are everywhere Home Improvement & Lifestyle these days, and falling victim to one of them could sidetrack your retirement and make life after work unnecessarily stressful.

If you believe one of these retirement myths, it is time to rethink your planning and start making the necessary adjustments.

Myth #1

You Can Withdraw 4 Percent from Your Nest Egg Every Year No Matter What The much vaunted 4 percent rule is more of a guideline than a hard and fast rule. The amount you can safely withdraw from your nest egg will depend on a number of factors, from how old you are when you retire and how many years you plan to spend in retirement to whether or not you have a pension and how much Social Security income you can expect.

The returns you achieve with your investments can also

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October 2014

have an impact on how much you can afford to withdraw in a given year. If you are lucky enough to retire on the cusp of a bull market, those high stock market returns may allow you to withdraw 5 or even 6 percent in a single year. If the market goes down just after you retire, you may need to scale back that initial withdraw to 3 percent or even less. The key is to be as flexible as possible. If your nest egg has a great year, take some of that money off the table and sock it away in a money market account or CD. You can then use that extra cash to cover your expenses during those inevitable bad years.

Not That Old And Loving It!

Myth #2

Your Expenses Will Go Down in Retirement This one may be true, and it is true for many people. Even so, you cannot simply assume that your expenses will be lower once you leave the workforce. If you plan to travel the world and stay in the best resorts, you will probably end up spending more than you did while you were working. If you plan to hang out with the grandkids and have fun closer to tome, you may very well spend a lot less.

The key is to develop a realistic budget for your retirement, based on what you plan to do and what you want retirement to look like. You may not be able to predict your spending to the penny, but you should be able to come up with a good ballpark figure. Plug that figure in as you use those retirement calculators to predict how much you need to save and invest.

Myth #3

Saving is a Thing of the Past Many retirees think that saving is now a thing of the past. After all, they have spent their entire working lives saving aggressively and building up a substantial nest egg. It just makes sense that additional savings will no longer be required.

Not That Old And Loving It!

While it is true that you will no longer be contributing to your 401(k) or putting money into an IRA, saving money should still be part of your retirement lifestyle.

Adopting a pay yourself strategy is one of the best ways to make your money last throughout retirement.

Directing a small portion of your Social Security, pension or other monthly income into a savings account is a great way to prepare for unexpected expenses and avoid drawing on your stock market money too soon.

Myth #4

Now is the Time to Hide in Cash Another myth is that retirees should avoid the volatility of the stock market and put all their money in bonds and certificates of deposit. While it certainly makes sense to have part of your money in those fixed-income investments, it is very unlikely that they will earn enough to keep up with inflation over the long term.

Keeping a portion of your money in the stock market can provide that growth potential and inflation protection. While it is true that stocks are volatile, over the long term they have had an excellent track record. A widely diversified stock market investment like a low cost index fund should be part of your retirement portfolio. + October 2014

Simply55+ 29

Auto Travel

A Simple and Fun Day Trip from Las Vegas to

Oatman

Home Improvement & Lifestyle

People who are fascinated with the Old West will love taking a day trip from the cosmopolitan, bustling city of Las Vegas to the old mining and ghost town of Oatman, Arizona.

The open desert calls to be discovered. Hear the cicadas buzz on a quiet desert afternoon while venturing to the town of Oatman. This is a tiny town comprised of basically one street.

It is also a town filled with things to remind a person of life in the Old West.

Visitors experience first-hand what it must have been like back in the early 1900s when the west was still mostly undiscovered and was very lightly populated. Old West ghost towns and the people who inhabited these places were all quirky, adventure-minded and interesting.

Just a short day trip from Las Vegas, about 135 miles and 2 ½ hours by car, can make anyone feel as if they have traveled back 100 years. It is an adventure well worth taking.

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October 2014

Arizona

Feed the Burros - They Are Hungry!

Some of the first things that usually catch a visitor’s eye are the wild burros that freely roam the main street of historic Oatman, Arizona. Watch in fascination and wonder as they meander down the street looking for friendly visitors who happen to have hay cubes, carrots or burro pellets to feed them.

You will see mama and baby burros, and burros of all ages walking along this rugged street in search of food.

It’s smart to be careful while feeding them to watch your fingers so you aren’t bitten.

Fortunately, that doesn’t happen very often.

The burros appear to be so tame and so used to people that there isn’t very much that fazes them. They are accustomed to people and get along well with everyone. Offer them food, but be sure to pull away from them once they have been fed.

Wild burros have been known to eat things from unwary visitors Continued on pg. 32 Not That Old And Loving It!

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Continued from pg. 30

and actors and actresses. In fact, Clark Gable that they should not eat. Among those things and Carole Lombard stayed at the hotel on the are iPhones, sunglasses and electronic tablets! night of their honeymoon. Carole Lombard was Watch your pockets while you’re walking Homepick Improvement & Lifestyle killed a few years later in a tragic plane crash in among these naturally curious pockets. the nearby mountains.

Stay For the Gunfight It is said that Clark One of the most Gable continued to memorable things visit the town and the about a visit to hotel to play poker Oatman, Arizona and to trade stories besides feeding the with the miners. He wild burros - is the and Carole loved staged gunfight that the quietness of the happens twice a day, desert and the fact every day. The first that they could simply gunfight happens be themselves there. exactly at noon and There was no need the second at 2:15 for pretense. It was p.m. The adventure a place to completely begins with the relax, naturally. The room that was their sharp crack of gunfire. From there visitors are honeymoon suite is now a museum, which is taken into a Wild West styled vignette, played reported to be haunted by the spirits of Clark brilliantly by experienced actors. Thrill to the and Carole. story line and to the gunfight that is naturally

worked into the story. These actors are actually The hotel is also said to be visited by another volunteers who seem to just love what they do. other worldly visitor, a ghost simply referred

to as “Oatie.” He was a Scottish miner whose They take donations after the show, and all the family did not survive the trip to America. He money raised goes to the Shriner’s for their is often reported to be heard playing bagpipes children’s hospitals. The actors are glad to pose in his family’s memory. People hear the faint with anyone who would like to have a picture sound of bagpipes throughout the upper level taken with them as well. These guys really look of the hotel. The last ghostly apparition is authentic, too. They have that grizzled, worn, thought to be that of an old hotel chambermaid old leather and tough as nails appearance about who has simply not left the hotel yet. them. When you talk to them, though, you find

out what genuinely nice guys they are. They are soft-hearted under a tough exterior.

A Nice Place to Visit Even For Those

A Visit to the Historic Oatman Hotel Is a Must

Every visitor to the historic old mining town and ghost town of Oatman should save some time for a visit to the old Oatman Hotel. Built in 1902, this hotel was the place frequented by miners, politicians on the campaign trail

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October 2014

Who Do Not Believe In Ghosts

Even for visitors who find the old ghost stories to be a bit far-fetched for their taste, the Oatman hotel is a must visit attraction. The restaurant on the first floor of the hotel is a very good place to have lunch, surrounded by

Continued on pg. 34 Not That Old And Loving It!

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Continued from pg. 32

west from Illinois in search of a better life. In the interesting decorative remnants of the other stories that followed, it is said that Olive old western days. One of the most noticeable and her younger sister were kidnapped and decorations are the dollar bills that are stapled Improvement forced into slavery by the Yavapai Indians. to the walls of the hotelHome near the bar area, and& Lifestyle

throughout the entire first floor.

Once she was older, she was traded to the Mojave Indians It is said that miners would stop and had tattoos placed on her by the bar for drinks. Many chin. This was the custom in times, however, they didn’t those days to show that she have cash with them to pay belonged to a certain tribe. for their drinks. This led to the She lived with the Indians for custom of stapling one dollar many years. She was released in bills to the walls when they 1855 near the town of Oatman. did have cash with them. They Years later, her surviving son would write their names on the was instrumental in getting the dollar bills to pay for future name of the town changed to visits.

Oatman, in his mother’s honor.

Today, people no longer use If you are able to spend some these dollar bills to pay their bar tabs. They are simply an interesting decorative time talking to the local people of Oatman, Arizona, you will hear many stories like this. item, with a unique story behind them. It Visiting Oatman is a fascinating way to spend is estimated that there are over $25,000 of a day away from the hustle, glittering lights these dollar bills stapled to the walls. Children and casino noise of Las Vegas. A simple 2 ½ especially love stapling dollars to the wall and writing their name on them. They enjoy finding hour drive seems to put you back in time to over 100 years ago, into a memorable and fun them again if they come back to Oatman for a western adventure. return visit.

Children of all ages love a trip to historic It’s also fun for kids of any age to visit the Oatman, Arizona. Spend a day, leave with a many shops along the streets of Oatman. lifetime of memories. A part of Oatman always You can find handmade jewelry, turquoise seems to stay within the hearts of those who items, leather items, kid’s toys and interesting decorative items for your home in these shops. have been there. + Another favorite attraction for kids is a penny candy shop, which is actually more like a dollar candy shop these days. But, it still has the charm and aura of an old-fashioned penny candy store.

How Oatman Got Its Name

Oatman, Arizona was named after a woman named Olive Oatman. The story goes that Olive was a teenager when her family moved

34 Simply55+

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Not That Old And Loving It!

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Simply55+ 35

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Home Improvement & Lifestyle

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Statues & Fountains

Short of replacing an old door with a new one or undertaking a major repainting project, there are some inexpensive fixes that can improve the appearance of your entryway.

Focusing on aesthetics as well as on functionality lets you create a fresh look for a small investment.

By coordinating materials, colors and finishes of hardware, you can create a harmonious effect. A good first step is to scrub the area with a detergent and hose it down to remove accumulated dust and debris.

Choosing a Distinctive Door Knocker

Door bells lack the charm of an aesthetic door knocker, and popular materials include brass and bronze for wood doors.

Designs range from a simple plate and ring to an elaborate lion’s head with many options between those extremes. Home improvements stores offer selections in the $50 range, giving you the opportunity to make a distinctive and artistic statement on your front door.

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A door knocker announces the presence of a visitor, and a matching door knob helps to complete a coordinated accent. If you do not have a dead bolt lock, install one as an essential part of your refurbishment project. Get the kind that requires a key on the inside if you have glass panels around your door. For safety

To Spruce Up A Front Entry

purposes in case of an emergency, place a key where a family member can easily find it. For about $100, you can deter a break in with a dead bolt.

Selecting Matching House Numbers

New visitors to your home need to see your street address to make sure that they are in the right place. Numbers that have lost their visibility through age or wear from the elements are often difficult to see, and the refurbishment of your front entry can improve their appearance.

Brass presents sharp, clean images that are easy to see, and they complement a brass door knocker beautifully.

Bronze presents a darker and softer finish that may suit the architectural features of your façade. Each number is priced separately, and the four inch size is the most popular. Matching screws make an easy job of surface mounting, and prices per number are usually less than $10.

Lighting the Entry

A ceiling porch light makes your entryway visible and welcoming, and it can prevent trip and fall accidents. Entryways that are dark increase the possibility that an intruder may lie in wait, and lighting makes it safer. A motion sensor in some models detects movement on your front porch and turns on automatically. Some lamps have an Energy Star rating as well as Continued on pg. 49 Not That Old And Loving It!

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Sun. November 2 Home Improvement & Lifestyle 10am-1pm Sunset park

Picnic with Some Pups!

by Rachel Wright

Vegas’ one-of-a-kind dog-friendly event and 5K run celebrating pets and the people who love them!

Furry 5K Walk, run, stroll or meander the 5K (3.1 mile) course with your canine running partner.

Forever Home Family Picnic Picnic and afternoon of fun for people and their pets!

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October 2014

Looking for an excuse to get outside and take advantage of Las Vegas’ cool fall temperatures?

The Animal Foundation’s Forever Home Family Picnic and Furry 5K on Sunday, November 2 at Sunset Park will not only get you out of the house, but introduce you to new people, pets, and a healthier lifestyle!

The Animal Foundation is Nevada’s largest open-admission animal shelter, and it receives more than 40,000 pets a year from City of Las Vegas, City of North Las Vegas, and Clark County’s residents and Animal Control officers. Every year, the non-profit organization hosts the picnic and race to celebrate adopted dogs and the families that love them. All of the event’s proceeds directly benefit the lost, unwanted, and abandoned animals the shelter takes care of, too!

If you’ve been considering adding a canine companion to your home, the Forever Home Family Picnic is a great place to meet a wide range of dog breeds and talk to owners who can give you firsthand information about living with them. There’s no better way to discover what kind of dog is right for you! The Animal Foundation will also have adoptable dogs at the picnic, and adding a furry friend to your family is sure to keep you feeling healthy

and happy (both mentally and physically)!

Seniors who already own dogs are not only invited, but encouraged, to bring their well-behaved fur kids to the picnic as well. While your pup socializes with his new best friends, you’ll be surrounded by like-minded locals who love their pets just as much as you do.

Start a conversation with your bench neighbor and you might be surprised at how long the conversations -- and friendships -last!

Whether you own a dog or not, the Furry 5K and optional one-mile walk will be wonderful ways to get active and stay fit. Participants can run, jog, or walk the courses with their pups, and save $5 off race registration by using the code Simply55! If racing isn’t for you, leisurely explore Sunset Park’s remodeled grounds and enjoy the fresh air. Picnic tickets are just $5 for seniors, and admission will include free food, a vendor fair, live music, dog contests, and more to entertain you throughout the day!

If you’re an animal lover who wants to support Las Vegas’ homeless pets in need, mark your calendars for the Forever Home Family Picnic and Furry 5K today -- this event is sure to bow-WOW you! + Not That Old And Loving It!

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*Expires 10/31/14. Offer includes drawers up to 21” wide, 18, 20 or 22” depth and 3” tall. Shelving, vertical style modification and oversize drawers extra. Not valid with any other offers.

www.HyBar.com 6210 Annie Oakley Drive Las Vegas, NV 89120 NV Lic. 33665a October 2014

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UTILITIES

Las Vegas, North Las Vegas, Summerlin, Henderson POWER • www.nvenergy.com Nevada Power • NVEnergy 24 hour customer service 702-367-5555 Para servicio En Espanol 702-367-5554 Toll Free 1-800-331-3103 TDD 702-367-5080 Boulder City Utilities 702-293-9244 GARBAGE • www.republicservices.com Republic Services Inc 702-735-5151 Clark County Sanitation District 702-458-1180 City of Boulder City 702-293-9244 GAS • www.swgas.com Southwest Gas Corp Customer General Offices 702-876-7011 SEWER • www.cleanwaterteam.com Clark County Sanitation 702-458-1180/800-782-4324 TELEPHONE Century Link 702-479-7711 /800-201-4999 Vonage 877-756-3254

WATER • www.snwa.com Las Vegas Valley Water District 702-870-4194 Henderson Water Department 702-267-5900 City of Boulder City 702-293-9244

Department Of Motor Vehicles & Public Safety

486-4368 • www.dmvnv.com 8am-5pm M-F 8am-4pm Sat.

Las Vegas Locations 8250 W. Flamingo (near Durango) 2701 E. Sahara (at McLeod) 7170 N. Decatur (at Elkhorn) North Las Vegas Location 4110 Donovan Way (The Express office) Closed on Saturdays Henderson Location 1399 American Pacific (at Stephanie)

Boulder City By appointment (only on Wednesday) 702-293-5673

DID YOU KNOW...

Once you have made the move, you can use your out of state drivers license for only thirty days until you have to get your new Nevada license.

LOCAL TRANSPORTATION

CAT Bus 228-7433 • www.rtcsnv.com (CAT bus runs throughout the valley 24 hours a day, 7 days a week. The fare is $2 each way, and senior citizens and children ages 6-17 are eligible for reduced fares with a CAT reduced fare photo ID - 5 & under ride free.)

CABLE • www.cox.com Cox Communications 702-383-4000 /866-961-0027 Century Link/Prism 800-201-4999 Dish 800-823-4929 DirecTV 855-838-4388

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GRANITE COUNTERTOPS Installed in Your Home in a DAY!

www.agranitemd.com

Complete bathroom remodels BEST PRICE - Guaranteed!

FREE removal and disposal of existing cabinets and counters

FREE SINK

with any installation

kitchen • bathroom • flooring • custom tile • backsplash • bar & bbq

ONE YEAR

on allIt! products Not warranty That Old And Loving

702 763 6042

2146 Highland Ave Las Vegas NV 89102 October 2014 Simply55+ 43

SimplyApartments.com

M OV CA E- LL IN F SP OR EC IA L!

Senior Living

Rochelle Pines

(702) 623-0409 Community Amenities

Office Hours Monday-Friday 8am-5pm Saturday-Sunday CLOSED

Pricing Information

2BR/1BA . . . . . . . . . .909 sq. ft. . . . .From $639 *Prices subject to change; based on availability additional fees may apply; pricing and promotions OAC.

Move-In Incentives & Information

October 2014

Pecos

For More Community Information Call

(702) 623-0409 Professionally Managed By

44 Simply55+

Hildebrand

*Available Select Apartment Homes

simplyapartments.com/lv/rochelle-pines

Pet Information

Pet Friendly. Breed Restrictions Apply • SE HABLA ESPAÑOL $250 One Time Pet Fee • Free Water, Sewer & Trash • Walk-in Showers* • Walk-in Closets & Abundant Storage • Free On-Site Laundry Facilities on Every Floor • Low Impact Fitness Center • Computer Media Lounge Map & Directions • On-site Beauty Salon • Courtyard with outdoor seating Flamingo • Off-site Group Shopping Transportation Provided • Covered Parking Available McLeod

Call And Ask About Our Move In Specials Immediate Move In Available, 55+ Community, Free Water, Sewer and Trash, Free on-site Laundry Facilities on every floor Lease Terms: 12 Months

4285 Hildebrand Lane Las Vegas, NV 89121

Rochelle • From US-95/I-515 exit west on Flamingo • Turn left on Hildebrand.

• The community will be on the right.

Not That Old And Loving It!

Not That Old And Loving It!

October 2014

Simply55+ 45

NO CONTRACTS! NO EXCUSES!

46 Simply55+

October 2014

Not That Old And Loving It!

Not That Old And Loving It!

October 2014

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International Day Of Older Persons 2014 The theme of this year’s 24th commemoration of the International Day of Older Persons (1 October) is “Leaving No One Behind: Promoting a Society for All” Living up to the Secretary-General’s guiding principle of “Leaving No-One Behind” necessitates the understanding that demography matters for sustainable development and that population dynamics will shape the key developmental challenges that the world is confronting in the 21st century. Not addressing older persons means not addressing 20 per cent of the global population by 2030, where there will be more people over 60 than children under 10, with the most rapid change in age structures occurring in the developing world. If our ambition is to “Build the Future We Want”, we must address the population over 60 which is expected to reach 1.4 billion by 2030.

Autumn Health And Safety Tips For Seniors Autumn is a beautiful time of year! The leaves are changing, the air is crisp and fresh, and it is perfect hoodie/hot chocolate weather. With any seasons of change, there a few things to keep in mind to help ensure seniors stay happy and healthy.

• • • •

Take steps to prevent the flu The single best way to protect against the flu is to get vaccinated each year in the fall.

Get smart about antibiotics Antibiotics can cure bacterial infections, but not viral infections.

Test and replace batteries Check or replace carbon monoxide batteries twice a year.

Keep food safe; Be sure to keep it safe by following basic food safety steps. Clean hands and surfaces often.

Separate foods to avoid cross-contamination. Cook to the proper temperatures, and chill leftovers promptly.

• Be prepared for cold weather Exposure to cold temperatures can cause serious health problems.

• Wash your Hands Keeping hands clean is one of the most important steps you can take to avoid getting sick and spreading germs to others. It’s best to wash your hands with soap and clean running water for 20 seconds. If that’s not possible, use alcohol-based hand rubs.

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October 2014

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Elegant Outdoor Living that Adds VALUE to your home

SAVE UP TO $2,000 Save Today!

PATIO COVERS 10% off - up to $500

ENCLOSURES 10% off - up to $2000 expires 10-31-14 NV. Lic. # 32067 and 32068

50 YEARS IN LAS VEGAS!

Senior & Military discounts Financing Available

Visit Our SHOWROOM 5325 S. Polaris Ave #300

(702) 793-2777 www.durakool.com Hours: Mon-Fri 8am-4:30pm – Sat 8am-3pm

a dusk-to-dawn sensor that saves on the cost of electricity. Prices for exterior ceiling lamps start at less than $50 for basic models.

Replacing the Threshold

While not noticeable to most visitors, a new threshold is an attractive addition to your entry that may lower energy usage in your home.

With wear from foot traffic over the years, the gasket centerpiece can lose resilience and allow drafts to enter under the door. A new threshold can seal gaps that are more than an inch high, preventing the entry of bugs and debris as well as cold drafts. An inexpensive home improvement at less than $25, a new threshold is easy to install.

For less than a $300 investment, you can replace old lighting and door hardware, make your home safer, and enhance the aesthetic appeal of your home. Each project is an easy task that you can do by yourself unless you need assistance with installing a new dead bolt. + Not That Old And Loving It!

October 2014

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Welcome To Tropicana Palms

NEW HOMES From $69,000

RESALE From $19,000

See Inventory at www.TropicanaPalms.MHvillage.com

Amenities • Planned Activities • Indoor Spa • 2 Pools/Spas • Tennis Courts • Fitness Centers • Game Rooms

• Horseshoes • Library • Putting Green • RV/Boat Storage • Sauna • Shuffleboard

Nearby • Las Veags Strip • Entertainment

• Shopping • Hospitals

702-472-7298 | www.cal-am.com

6420 E. Tropicana Ave. | Las Vegas, NV 89122 50 Simply55+

A Great Place To Live, Come Join Us!

October 2014

Not That Old And Loving It!

Not That Old And Loving It!

October 2014

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Largest Mobility Dealer In The Southwest

Van Conversion Specialists Sales-Service-Rentals 800-242-4111 NV Cont Lic# 0077305

San Diego - Orange County - Los Angeles - Inland Empire Central Coast - Sacramento - Las Vegas - Phoenix - Tucson

Stair Lifts

Outside Lifts

New Van Conversions Used Van Conversions Van Rentals Scooter Lifts & Hoists Wheelchair Lifts Motorhome Lifts Driving Aids

Turnout Seats

Inside Lifts

VPL’s

Accessible Home Products: Stairlifts & Pool Lifts Ceiling Lifts Patient Lifts Vertical Platform Lifts Ramps & Power door openers Scooter & Power Wheelchairs

(702) 434-3030 6001 S. Decatur Blvd., Las Vegas, NV

www.AbilityCenter.com

89118