July 2018
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Auto Insurance Shopping Tips Secrets of Beautiful Skin And More
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from the
Staff
Publisher Scott Worrall
The staff at Simply 55+ is incredibly grateful for the large number of letters you have written and many phone calls you have made expressing your sincere appreciation of the content in the magazine. We are humbled by your comments. We do take each and every comment into consideration as we work to create the best possible magazine. In the past six months, our publication has grown more than we ever expected and continues to be Southern Nevada’s fastest-growing lifestyle magazine. We would like to thank our already loyal readers again and ask for your continued feedback. Let us know what’s on your mind! We LOVE hearing from you! We appreciate your feedback, positive or negative, as we are always striving to improve our Simply 55+ publication. Send us a letter or submit your comments to: feedback@ simply55.com Photo courtesy of Visit Santa Barbara / Jay Sinclair
Editor in Chief Wayne Morgan
Creative Director Jared Burch
Contributing Writers Mike Henle, Branch Whitney, Oscar Goodman, Sen. Dean Heller, Sen. Catherine Cortez Masto and Representative Jacky Rosen
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. Simply55+ Magazine is published monthly by Fader Publishing LLC. Copyright 2018. 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.
Disclaimer
The information provided in this publication does not offer, and should not be construed as proving legal, financial, accounting, or tax advice or professional services to any individual or group of individuals. This publication is to provide useful information that may serve as a reference guide when you speak with professionals who can give personalized advice tailored to your particular situation or answer your specific questions. While data contained in this publication is gathered from sources believed to be reliable, accuracy and completeness cannot be guaranteed. The editor and the publisher shall have neither liability nor responsibility for any loss or damage caused, or alleged to have been caused, directly or indirectly, by the information contained in 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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Not That Old And Loving It!
Contents July 2018
pg 4
From The Staff
pg 6
10 Best Secrets For Beautiful Skin
pg 10
Auto Insurance Shopping Tips For Seniors
pg 12
Santa Barbara
pg 22
Benefits Of Professional AC Repair
pg 25
Simply Savers Clippers
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July 2018
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Beauty, Health & Fitness
10SKIN Best Secrets
Entertainment & Food
Financial
Auto Travel
Home Improvement & Lifestyle
Simply Savers Beautiful skin does not just happen. Contrary to the airbrushed images of beautiful people Feedback on the cover of magazines, healthy skin takes some work. Great skin is the result of a combination of factors. Genes play a role, but a strong case can be made for diet, lifestyle, Events hygiene, and mindset. In general, a person’s health has a greater affectCalendar on skin fitness Of Events than genetics. Whether you have eczema, psoriasis, acne, wrinkles, dull, or flaky skin, there are ways to improve its condition. You Remembering may be familiar with suggestions, such Nevada as the importance of sleep for skin repair and rejuvenation. Here are a few other secrets for healthy and beautiful skin. These hints are Happy Holidays beneficial for all skin types. Eat for Beauty.
A very healthy diet is the number one
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for Beautiful
prescription for great skin. The skin like other organs in the body needs proper nutrients. Because the skin is the last organ to receive nutrients, it is all the more important to eat a nutrient rich diet for skin health and repair. A healthy diet assists in healing acne and brings elasticity back to the skin thereby preventing or reducing wrinkles. A diet rich in fresh fruits and vegetables is key. You need to eat some raw foods daily. Especially helpful are dark green leafy vegetables, such as spinach and kale. But, all fresh vegetables and fruits will improve skin appearance and health. The fresher the food the more nutrient rich it is.
Silica for Skin.
Silica is a mineral found in high concentration in babies after they are born. Some studies have shown the ratio of silica to calcium is an indicator for youthfulness. Aging and poor diet contribute to depletion of silica in the body. Collagen, which gives skin its youth look, consists mostly of silica. Collagen increases skin elasticity. Silica also helps with moisture retention. It improves skin texture and aids in healing acne. Foods rich in silica are cucumbers (especially the peel), bell peppers, tomatoes, green leafy vegetables, beets, Not That Old And Loving It!
oats, and radishes. Tap water in some areas also has silica in it. Because silica supplementation can upset the balance of other minerals and vitamins in the body, silica supplements should be taken under the supervision of a healthcare practitioner. It is best to get silica from foods or water.
Cold Water Skin Sensation.
Legend has it that Paul Newman submerged his face in ice-cold water every morning for thirty seconds or more to keep his skin taut and smooth. It seems to have worked as he had great skin even into his later years. Rinsing the face several times with cold water does tighten the skin. It “shocks” the skin into responding as if it was injured. Sensing damage, the body then sends nutrient rich blood to the area. This is good for wrinkles, acne, mature, and sagging skin. Cold water is the best and least expensive toner you can use. For those with acne, rinsing with cold water helps to reduce inflammation and inhibits the spread of bacteria. It is also a good idea never to wash your face with hot water. Tepid or cool water with a gentle cleanser is best. Some people like to submerge their face in cold water for several seconds. Here is another technique. Fill the sink with very cold water. Place a washcloth in the cup of both Not That Old And Loving It!
palms. Bend over the sink; fill the cupped washcloth with water by scooping it into the sink. Bring the washcloth your face. Do this several times until your face feels chilled. Apply moisturizer.
Omega 3’s Skin Importance. Omega-3 fatty acids are essential for body functions, however the body does not make them. This means omega-3’s must be had from foods. Omega 3’s helps the skin in many ways. They have anti-inflammatory properties, so they help to heal and repair skin damage. Omega-3’s reduce inflammation in skin conditions, such as acne, eczema, and psoriasis. The fatty acids in omega 3’s moisturize the skin from the inside out. Fish is high in omega 3’s, especially sardines and salmon. It can also be found in walnuts, flaxseed, brussels sprouts, chia seeds, dark green leafy vegetables, quinoa, and cauliflower. Omega 3’s are also available in supplemental form either as fish oil, flaxseed oil, or omega 3 oil.
Water the Skin.
The skin needs to be watered from the inside out. Drink water throughout the day. Water keeps the skin hydrated. Water also aids in the removal of toxins from the body and in the distribution of nutrients. When toxins build up, they can manifest on the Continued on pg. 8
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Beauty, Health & Fitness Continued from pg. 7
skin. This is a special concern if you have acne, psoriasis, or eczema. The body needs to eliminate efficiently and regularly; water helps to do this. Our body uses water daily Entertainment & Food for respiration, perspiration, bladder and bowel functions. It needs to be replaced. Other liquids are not on the same par as water when it comes to hydrating and removing toxins. So, not matter what else you drink; you need water. Eight glasses of water a day is a good guideline. Start the day, by drinkingFinancial a large glass (8 - 12 ounces) of water first thing in the morning. It flushes out toxins that have accumulated over night. Auto Travel
Exfoliate the Epidermis.
Want to reveal smoother, softer skin immediately? Exfoliate. Do this several times a week. Exfoliating removes dead skin. It speeds Home Improvement & Lifestyle up renewal and initiates skin cell rejuvenation. It also helps moisturizers to penetrate Simplydeeper. Savers Exfoliating assists in the smoothing of fine Feedback lines and keeps wrinkles at bay. Those prone to acne also want to exfoliate regularly, but use a very gentle one. Fine sugar makes a great exfoliator. Mix some with a plant-based oil, Eventssuch as jojoba, avocado, sunflower, apricot, or almond oil. Exfoliating washcloths and Calendar Ofgloves Events are also available as are commercial products. Use jojoba beads or fine sugar with a gentle skin cleanser for oily and acne prone skin. Remembering Nevada
Meditate for Healthy Skin.
Meditation helps by reducing stress. Stress is an emotional reaction that gets reflected Happy Holidays in the body. Everyone is familiar with pimple breakouts after a stressful period. Stress also causes skin to look haggard, drawn, and contributes to wrinkles. Meditating fifteen minutes twice a day helps to bring the body back into a homeostasis state. When the body
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is stable, it functions optimally. Cells easily regenerate; toxins are efficiently removed, and nutrients get delivered throughout the entire body. If the body uses its available nutrients to combat stress, the skin suffers as a result. This is a special concern for anyone with a skin condition or with skin damage. There are many links and videos online that teach how to meditate and some are guided meditations.
Exercise to Energize the Skin.
When you exercise, it brings fresh oxygenated blood to the skin. It energizes the skin by bringing nutrient rich blood to the cells for renewal and aids in the reduction of inflammation. This is important for skin that is damaged through premature aging, acne, psoriasis, or eczema. Chose exercises that are aerobic, strengthening, and help with flexibility. Be aware that addiction to exercising can be detrimental to the skin because it creates stress. Walking everyday is a simple way to get exercise. Many styles of yoga incorporate aerobic, strengthening, flexibility, and meditation.
Vitamin C for Skin Vitality.
Like silica mentioned earlier, young skin is filled with vitamin C. Skin loses vitamin C through aging, environmental factors, unhealthy lifestyle choices, and with a less than optimal diet. Vitamin C is one of the nutrients necessary for collagen production. It is vital for replenishing mature, dry, or compromised skin. Vitamin C reduces the onset of wrinkles, removes fine lines, age spots, offers UV protection, heals scars, and other damaged skin tissue, such as pimples. Citrus fruits are known as a good source for vitamin C, but so are papaya, pineapple, bell peppers, broccoli, and cantaloupe. Not That Old And Loving It!
Stay Away from . . . for Skin Beauty. So far the discussion has been on what actions to take to improve skin and to keep it healthy. However, it is just as important to know what to stay away from in order to have great skin. Smoking, alcohol, sugar, fast foods, processed food, carbonated beverages, and excessive caffeine all have detrimental affects on the skin. These items have little or no nutrient value. And worse, the body uses its resources to fight against their carcinogenic effect. Resources it could use to keep skin healthy or to heal skin. The secret to beautiful skin is having a healthy lifestyle. It includes a nutrient rich diet, staying hydrated, proper cleansing through exfoliation, exercise, stress reduction, and proper sleep. Great skin also takes the reduction or elimination of substances that offer no benefit to the body. + Not That Old And Loving It!
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Financial Auto Travel Mature Savings:
Auto Insurance Home Improvement & Lifestyle Shopping Tips for Seniors Simply Savers Feedback
If you’re like many senior citizens, your auto insurance bill can eat up a large chunk of your monthly budget. But with recent studies showing auto accident and death rates f Events among senior citizens dropping by over 40% Calendar Of Events between 1997 and 2012, being an older driver no longer holds the stigma it once did. This means it pays to shop around and find the Remembering best deal on auto insurance for your Nevada needs. Here are some tips and tricks for finding car insurance with the right amount of coverage-without breaking the bank. Happy Holidays
Shop Around
Many seniors stick with the same auto insurance carrier for years, simply to avoid the time and hassle of comparison shopping. But the reality is, shopping around can actually save you hundreds of dollars over the course of a single year. Luckily, the Internet has made the process of comparison shopping much easier. Jot down your current information and hit the Web to see if you can get equal or better coverage for less than what you’re currently paying.
Ask About Discounts
Not every auto insurance website will have a complete list of all the discounts they offer.
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Depending on the carrier and the state or country you live, senior drivers can often see discounts of as much as 5 or 10%. What’s more, if you are a member of a retirement community, senior club, driving club, collectors club, or many other organizations, (or if you’re a retired member of the military) you may be entitled to even more discounts. Don’t hesitate to call up different auto insurance companies and ask about whether you are eligible for any other discounts or special rates and services.
Reevaluate Your Car and Mileage
If you’ve had the same insurance for years, you may be paying for mileage you don’t use anymore. If you are no longer commuting to work every day, or if your kids no longer need you to shuffle them to school and practice, contact your auto insurance and adjust your monthly estimated mileage rates. It’s also worth reevaluating your coverage if your car has gotten older and isn’t worth what it once was. Insurance companies most often will not pay more than your car’s worth in repairs. Which means those driving a car Not That Old And Loving It!
only worth a couple thousand dollars should adjust their coverage accordingly.
Stay Claim Free
Of course, the best way to keep your car insurance rates as low as possible is to maintain a claim-free record. Drive carefully, wear your seatbelt at all times, take a defensive driver course, and keep all eyewear and hearing aids up to date. Avoid distractions like cell phones when driving, and stay within safe driving speeds to minimize your chances of an auto accident, and then contact your insurance about good driver discounts. You might be surprised at just how much taking these simple steps can save you in the long run. You’ve racked up a lot of experience over the years. Why shouldn’t that add up to savings whenever possible? +
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Auto Travel
Santa Barbara Home Improvement & Lifestyle Simply Savers Feedback
f Events Calendar Of Events
Remembering Nevada
Happy Holidays Photo courtesy of Visit Santa Barbara / Jay Sinclair
Once you visit Santa Barbara, you never want to leave. As a native of Texas, I found this out the hard way. Acknowledged as “the trap” by locals, it’s not difficult to understand why this utopia of natural beauty and year-round sunshine lures people in to stay. The truth is, Santa Barbara contradicts itself in the best ways possible. It’s luxurious without being pompous; it’s relaxed, yet elegant. Taking a stroll in downtown Santa Barbara, you can feel the vibrancy of a big city, but also a certain small town charm. Beauty aside, this balance is what makes Santa Barbara so unique. It’s not just another quaint coastal town that’s nice to look at—it’s a genuine, friendly city with a lot to offer. Red tile roofs, palm trees, and Spanish colonial
architecture make up the iconic Santa Barbara style and create a scenic downtown area with a peaceful atmosphere. Downtown consists of the lower half of State Street, a seven-mile stretch of fine dining and shopping that is the vein of the city around which everything is clustered. In fact, State Street eventually runs all the way out into the ocean via Stearns Wharf—a pier featuring seafood restaurants, shops, and the Ty Warner Sea Center, where touch tanks allow the rare opportunity to pet actual sharks. If you’d rather eat seafood than mingle with live sea predators, luckily there are plenty of delicious options mere steps away. Brophy Bros provides an unbeatable view of the Harbor and Santa Ynez mountains coupled Continued on pg. 14
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Photo courtesy of Visit Santa Barbara / Jay Sinclair
Photo courtesy of Visit Santa Barbara Not That Old And Loving It!
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Auto Travel Continued from pg. 12
Home Improvement & Lifestyle Simply Savers Feedback
f Events Calendar Of Events Photos courtesy of Visit Santa Barbara / Jay Sinclair
Remembering Nevada with savory local fish and a lively ambience. Seagrass is another upscale contender, serious about using fresh and sustainable products, whether its Farmers Market Happy produce or Santa Holidays Barbara seafood. For a romantic night out, sit outside on the candlelit patio and choose a local wine from the lengthy list.
Those seeking red meat that isn’t tuna should venture down to Coast Village Road in Montecito for dinner at Lucky’s, a classic steakhouse in a sophisticated yet comfortable setting. Vintage black and white photographs of celebrities and sports stars from the 40s and 50s adorn the walls and help set the Continued on pg. 16
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Continued on pg. 22 Not That Old And Loving It!
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Auto Travel Continued from pg. 14
Home Improvement & Lifestyle Simply Savers Feedback
f Events Calendar Of Events
Remembering Nevada
Happy Holidays
Photo courtesy of Visit Santa Barbara / Aidan Bradley
timeless tone. Signature cocktails, steaks cooked to perfection, and the occasional celebrity sighting should make for an exciting evening. For French flair, Bouchon is an intimate downtown pick that won’t disappoint. A short but calculated seasonal menu ensures only the highest quality ingredients make the cut. Although the menu tends to shift around, French classics such as duck confit and onion soup are welcomed mainstays.
It’s easy to be overfed in Santa Barbara, but surprisingly there are as many activities as there are delicious restaurants. Golf aficionados should not miss playing a round at Santa Barbara’s own Pebble Beach—also known as Sandpiper Golf Club. It might be hard to focus on alignment, however, as deer gracefully bob in and out of trees, waves crash into bluffs below, and you are perpetually tempted to observe the unobstructed view of the glistening Pacific ahead. As the sun begins to set a fiery orange and royal purple hue, good luck tearing your eyes away. Continued on pg. 18
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Not That Old And Loving It!
Photo courtesy of Visit Santa Barbara / Jay Sinclair July 2018 Simply55+ 17
Auto Travel Continued from pg. 16 Photo courtesy of Visit Santa Barbara / Jay Sinclair
Home Improvement & Lifestyle Simply Savers Feedback
f Events Calendar Of Events
Remembering Nevada
Happy Holidays
Photo courtesy of Visit Santa Barbara / The Four Seasons Resort
After an afternoon of sightseeing and activities, visiting such places as the beautiful Santa Barbara Mission, the SB County Courthouse, the Zoo, or renting a bike and riding along an oceanside trail—a glass of wine might be in the cards. Santa Barbara wine country may have first gained notoriety in the film Sideways, but it continues to succeed today as a bountiful winemaking region. Take a tour of one of the many vineyards just outside Santa Barbara proper, and experience the breathtaking scenery that is golden, rolling hills of microclimates—each vineyard fostering a myriad of grapes to grow to their full potential under the Central Coast sunshine. If time is limited, there is no need to sacrifice wine tasting from a tight schedule. The Santa Barbara Urban Wine Trail offers just what the name suggests: tasting rooms downtown. Twenty-seven tasting rooms to be exact, all within a three block radius and only a stone’s throw away from the beach. 18 Simply55+ July 2018
For a perfect combination of luxury and the outdoors, make a trip to San Ysidro Ranch to stay, dine, or both. From the moment you drive up the cobblestone driveway lined with olive trees, you are struck with a sense of bewilderment at the beauty of this enchanting property hidden among the foothills of Montecito. An interesting history precedes the land—first owned by the King of Spain and inhabited by Franciscan monks in the late 1700s, then converted into a working citrus farm in the 1800s, and now a smattering of private cottages that have accommodated such guests as Winston Churchill, Audrey Hepburn, and honeymooners JFK and Jackie O. The luscious gardens, ocean and mountainside panoramas, and world-class dining under a starlit sky will transport you back to a simpler time and provide a welcome escape. Continued on pg. 20 Not That Old And Loving It!
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Auto Travel Continued from pg. 18
Home Improvement & Lifestyle Simply Savers Feedback
f Events Calendar Of Events
Remembering Nevada
Happy Holidays
Photo courtesy of Visit Santa Barbara / Mark Weber
An old Hollywood hangout built in 1937, the Coral Casino Beach and Cabana Club located at the Four Seasons Resort The Biltmore Santa Barbara is a historic landmark worth seeing. Intended as an exclusive social club, resort guests and members of the private club can enjoy a pool larger than Olympic size— purposely sized this way so that it never has to host regulated events. The pool and Jacuzzi provide 180 degree ocean views, as do the lower and upper level decks lined with chaise lounges and cabanas. All furniture and décor sticks to the color scheme of coral and white, resulting in a visually pleasing club deck that contrasts with the blue swimming pool and ocean.
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For another dose of history, the Upham Hotel and Country House near downtown SB has been offering cozy and colonial digs since 1861, earning the title of the oldest continuously operative Southern Californian hotel. The Country House offers a more authentic bed and breakfast experience, while the Hotel across the street is a more modern take comprised of 50 rooms and suites. Both respect British heritage with Victorian style buildings and well-manicured gardens. Cheese and wine happy hour is an added bonus. And who knows, maybe after staying in the midst of downtown you’ll want to move into your own Santa Barbara Victorian…or at least extend your vacation. I know I’m not leaving any time soon. + Not That Old And Loving It!
Why risk it? Congrats! You finally found that dream car that revs your engine. Now it’s time to find insurance that gives it the protection it deserves. Simply Nevada knows how to shop, compare – and save. ASK US ABOUT TRAVELERS. Travelers offers up to 15 ways to save on better protection. You may be able to take advantage of a new car discount of up to 10%, a safe driver discount up to 23% and other valuable options. That can include a Premier New Car Replacement® and the Premier Responsible Driver Plan® with Accident Forgiveness and a Decreasing Deductible®. And that’s just for starters. GET A FREE QUOTE TODAY. Discovering surprisingly affordable prices and how simple switching policies or adding a new one can be is as easy as picking up the phone. We’re here to help.
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The Travelers Indemnity Company and its property casualty affiliates. One Tower Square, Hartford, CT 06183 This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy. For an actual description of all coverages, terms and conditions, refer to the insurance policy. Coverages and discounts are subject to individual insureds meeting our underwriting qualifications and to state availability. Individual savings may vary and are not guaranteed.
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Home Improvement & Lifestyle Simply Savers Feedback
Benefits of Professional AC Repair
Calendar Of Events
Calendar Of Events The heating and cooling equipment in your home is a highly sophisticated system of parts Remembering Nevada that have to work together to safely and efficiently cool your home. A system that is not functioning properly will:
Happy Holidays
• Cost you money in wasted energy and higher utility bills. • Quickly wear out much more expensive parts. • Be a hazard to your home and family.
There are many tasks that the average doit-yourself homeowner can tackle on their own, but AC repair isn’t one of them. Making a mistake on AC repair, or delaying a needed repair because you didn’t know what you were looking at or hearing can lead to costly problems later on. Using a certified HVAC expert to handle your AC repairs and maintenance has the benefit of having someone knowledgeable and qualified to work on your specific system and problem. Let’s face it, most people don’t call for an AC repair until something goes wrong. And when that happens, you need someone who will replace the right parts quickly and stand behind their work.
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Something as simple as a clogged filter can quickly wear out your fan motor which is an expensive repair. Your AC system consists of several different pieces of equipment that have to work together properly to cool your home, including: • The compressor and condenser, which is the large unit outside your home which draws hot air outside your home, pressurizes the refrigerant, and sends the refrigerant up to the inside unit. • The evaporator, coils and fan is the unit that sits in your attic, basement or closet, which cools the air and blows it through your ducts. • The ducts are the system of pipes that carry the cold air through your home and pull warm air back into the system. Not That Old And Loving It!
Sound complicated? It is, and that is why AC repair is not something you want to tackle on your own. Another advantage of using a professional is they are familiar with not only the latest technology, but the latest safety and zoning rules and regulations. Both the indoor and outdoor units of your AC system contain electric and possible gas components that can be hazardous if not worked on with the proper knowledge and tools. In addition, you don’t want to make an alteration that conflicts with local zoning and licensing ordinances. You may get away with it now, but it will become a big problem if you try to sell your home. Once you hire a professional to perform your AC repair, another advantage will be employing them to perform regular maintenance, cleaning and systems checks on your equipment. This is a relatively minor charge that will ensure that your system is working at full capacity and efficiency and avoid further repairs down the road. During a regular maintenance appointment, your certified HVAC expert will be responsible for: • • • •
• Dirty and dusty coils reduce cooling capacity. • A clogged filter will burn out your fan. • A clogged condensation drain pipe can cause expensive water damage, especially with a unit installed inside your home or attic. Of course, you can and should change your own filters to keep your AC running at top efficiency and remove harmful dust and other microbes from your home. But this is an easy thing to forget and doing so can create health problems for your family and expensive repairs to your air conditioner. Having this as part of an annual maintenance plan by your professional HVAC contractor will make sure that this simple task gets done at least twice a year, although once every three months is advised. If your air conditioner just isn’t keeping your house as cool as it used to, or any part of the system is making a noise you haven’t heard before, don’t wait until it’s too late. Call a professional, licensed and qualified AC repair company today and get the job done right the first time. +
Checking and replacing your coolant. Cleaning the coils. Making sure drain lines are clear. Checking and replacing the filters.
These are simple tasks the professional AC repair person can perform, all of which will save you money later. How much dirt and dust is in your attic or basement where your AC fan is installed? If you don’t like going in there and breathing all that dust, think how your AC unit feels. Ignoring this can lead to other problems: Not That Old And Loving It!
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