ACTIVE LIFESTYLES MAGAZINE June 2016 Edition

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June 2016

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St. Louis Lifestyles... better after 50!

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A publication of DIRECTIONS Saint Louis, LLC Magazine Editor Debbie Wheeler Travel Editors: Tod D. DeHart Anne Weibert Magazine Photographer: Scott Shy Contributing Writers: Liz Backus Scott Gardner NiNi Harris Mary Jane Kuhn Kevin Kohler Melissa Leavy David Mattull Jeff Ponte Accounts Manager: Megan Glass Office Operations: Carrie Pruitt Sieker

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Better after 50!

The views expressed in Active Lifestyles Magazine are those of the authors named, and are not necessarily those of Active Lifestyles Magazine, DIRECTIONS Saint Louis, LLC, or any of its employees. All materials supplied to the magazine are at the owner’s risk. While we try to ensure that the information we provide is correct, mistakes do occur and and we cannot guarantee the accuracy of all material. If you do notice a mistake, please contact us. The design of the printed magazine and online website are copyright of Active Lifestyles Magazine and DIRECTIONS Saint Louis, LLC. Material from the magazine may not be reproduced without prior permission. Photographic rights remain the property of the article writers or of this publication. Your privacy will be protected at all times, and addresses / email addresses supplied to us will never be shared with a third party. We do maintain the right not to publish advertisements, articles, classifieds or comments and/or to remove or edit them without notice. Active Lifestyles Magazine is a free publication of DIRECTIONS Saint Louis, LLC, its clients and is distributed throughout Metro St. Louis. © Copyright 2016. Active Lifestyles Magazine published by Directions Saint Louis, LLC

ACTIVE LIFESTYLES MAGAZINE is St. Louis’ only metro-wide Lifestyle, Community and Entertainment Magazine for readers 50 and better! Each monthly issue is filled with articles, stories and columns to be active, well and informed while living life to the fullest. Locally owned and published, the magazine can be picked up FREE at fine retail establishments; including Whole Foods Markets, grocery stores, community centers, libraries, doctor’s offices, pharmacies, YMCA’s, restaurants, residential communities, attractions, and retail centers.

on the cover... Featured on the cover of this issue is St. Louis Urban Farmer Arthur Culbert © Photography by Scott Shy, Shyvision Photography. www.shyvisionphoto.com

St. Louis Urban Farmer by Debbie Wheeler

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oil has been turned, seeds have been planted, and now we wait for the delicious and colorful bounty of summer our little plots of St. Louis heaven promises to yield. But wait, the work doesn’t stop there. It has to be lovingly weeded, watered, harvested, and new seeds rotated in to produce various fruits in the proper temperatures. The garden must be tended, but by whom? The mantra “It takes a Village” has been used in several instances over the past few decades to describe the efforts of a community to get a job done. The original coin of this phrase described the loving labor it takes from many people, in all walks of life, to raise a child. The phrase implies responsibility being shared with a larger (extended) family. Everyone in the family participates; children, parents, aunts and uncles, grandparents, cousins, neighbors and friends. In other words, “It takes a Village”! Urban Farmer, Arthur Culbert, Active Lifestyles cover model this month, has applied this same principal to create a beautiful, bountiful garden in the Central West End (CWE) which provides two local food pantries with fresh vegetables and fruit for their patrons. “The Farm”, as it is loving referred to by Arthur and the community, involves the efforts of New City School’s (NCS) fourth graders, members of STL Village, an “aging in place” community Arthur helped found in the CWE, as well as various members of the community that happen to pass by or live in the neighborhood. Born on Earth Day April 22, 2011, the garden produced 1,000 pounds of organic produce that first year. In 2015, they harvested and delivered to the two food pantries 2200 pounds of vegetables and fruit. Who knows what it will yield this year! NCS children, comprised of three classes of fourth graders, got involved with the garden in 2013. Usually, at least one class visits the garden each week to help or to do other school work there such as reading and journaling. The garden is also used for application of math and science lessons. As an example for math: the children learn how much a package of seeds cost, and after the harvest, they are encouraged to visit the grocery store to check prices and see how much their bounty would sell for at the market. Amazing to learn how much that 25 cent package of seeds yields in return, and oh my how good it tastes! Teachable

science moments occur when Arthur describes to the children what the different plants are and how they grow. As for the community’s STL Village Members, they are a huge help on a regular basis, both working in the garden as well as working at the food pantries each week. For Arthur, this is his little piece of heaven. His way of giving back to the community, providing delicious food and bringing a Village together to teach, learn and enjoy what mother earth has to offer. To learn more about the farm and Arthur, go to the community’s website at www.cwefarm.org. Get involved with a garden in your community St. Louis! Enjoy the outdoors and great fellowship while learning about plants and how to grow delicious food to help others as well as learning how you can save money at the grocery checkout. “The Farm” is one of many community gardens that can be found in our beautiful, budding city. They come in all shapes and sizes: community vegetable gardens, tree and shrub plantings, native gardens, perennial beds, street beautification and innovative designs created by various community groups. Gateway Greening supports more than 200 of these community gardens and urban greening projects. To find a garden near you go to Gateway Greenings website at www.gatewaygreening.org. Remember, “It takes a Village”! Hey, gardening is also a great form of exercise you know! You can’t believe the muscles you use digging and pulling and planting. It’s a workout all in itself; talk about keeping you Fabulously Fit… Until next month…Be Well, Be Active and Live Life to its fullest my friends. St. Louis Lifestyles ARE… better after 50!

All My Best,

Debbie

“People don’t always have access to fresh food. So part of my mission has been, ‘What can one person make with regards to a difference here in St. Louis?’ One thing St. Louis has is open space.” – Dr. Arthur Culbert

All my best, Debbie

MAY 2016 ∙ www.activelifestylesmag.com ∙ 3

STL VILLAGE: A NEIGHBORHOOD RESOURCE FOR STAYING ENGAGED AND ACTIVE by Liz Backus

When Arthur Culbert, Ph.D., the urban pioneer who envisioned the Central West End (CWE) Farm, was approached in 2012 to partner on another healthy-living project, he was all in. A friend introduced him to fellow CWE resident Gloria Gordon, a retired psychologist interested in the growing “Village movement” of older adults coming together to “age in community” in their homes and neighborhoods. Villages, as they are known, are neighborhood-based nonprofit membership organizations that offer social activities and in-home services provided by trained volunteers. For a monthly or annual fee, members get help as needed with household tasks and rides to appointments; they can also choose from a menu of activities and outings. All of this is provided without

the need to relocate. “The Village concept resonated with me strongly,” says Culbert, who holds a doctorate in sociology and was a dean and faculty member at Boston University’s School of Public Health and School of Medicine before moving to St. Louis. “Like the farm, it brings people of all ages and backgrounds together for a shared purpose, and just as important, to stay active and have fun.” Culbert and Gordon found that many of their friends and neighbors wanted to be part of creating a Village in St. Louis because they too loved their neighborhoods and wanted to stay put. The committee visited other Village groups in the Midwest and held public meetings to gather input from residents. From the start, building a culturally rich and diverse organization that welcomes everyone was a guiding value. In June 2014, STL Village began serving its first members, who today number more than 70 people ranging in age from 50 to 95. The STL Village service area includes neighborhoods east and west of Forest Park between Big Bend and Vandeventer Avenue and

Join us!

many neighborhoods. A community unlike any other Bringing together neighbors age 50+ from areas in the City and County of St. Louis We are a “village” made up of

Building Community One Neighbor at a Time stlvillage.org info@stlvillage.org facebook.com/stlvillage 314.802.0275

community. connection. caring.

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community. connection. caring. stlvillage.org info@stlvillage.org facebook.com/stlvillage 314.802.0275

Building Community One Neighbor at a Time We are a “village” made up of

many neighborhoods. A community unlike any other Bringing together neighbors age 50+ from areas in the City and County of St. Louis

Join us!

north of Forest Park to Page Avenue. Executive Director Madeline Franklin and her volunteer staff coordinate a variety of activities based on member suggestions. “Walking groups, service projects, friendly poker and happy hours are just a sample of what you’ll find on our calendar,” notes Franklin. “Our members are always coming up with new ideas and often lead our activities.” A phone call to the STL Village office also connects members to a full range of support services. “We are the first call most members make about anything they need; if our volunteers can’t directly meet their needs, we refer them to one of our vetted local providers,” she added. STL Village’s motto – “Community, Connection, Caring” – is demonstrated in the many ways members contribute to making St Louis a great place to live. Not surprisingly, one place members lend a hand is the CWE Farm, where they help water plants or harvest vegetables that are delivered to two area food pantries. Some members volunteer at the pantries teaching visitors how to include more fresh produce in their meals.

“It’s a great partnership,” commented Culbert, who is also a member and serves on the boards of STL Village and the national Village to Village Network that supports the Village movement. “We rely on volunteers at the farm and everyone has a great time meeting new people and seeing the variety of fruits and vegetables that we grow. The farm’s intergenerational and communitybuilding focus is an appealing way to connect and contribute. There’s time to just sit and enjoy the scenery too; there’ll be plenty of butterflies in the wildflower garden this summer.” Learn more about STL Village: www.stlvillage.org 6633 Delmar Blvd., St. Louis, MO 63130 (314) 802-0275 To learn how to start a Village in your neighborhood visit www.vtvnetwork.org Liz Backus works as a caregiver for older adults and is a communications volunteer for STL Village and the Village to Village Network.

GARDENING: A GREAT WAY TO FIGHT OSTEOPOROSIS

If you know an elderly relative, friend or neighbor whose passion for gardening hasn’t waned with age, perhaps you’ve noticed they’re more vibrant than their sedentary peers. It’s no coincidence. According to a recent study by Dr. Lori Turner at the University of Arkansas, women who garden weekly have stronger bones than those who are inactive or engage in jogging, swimming, walking or aerobics. Dr. Turner is an assistant professor of health science. She studied over 3,300 women, aged 50 and older, and found that only two activities are strongly correlated with higher bone density - weight training and yard work. There is a lot of weightbearing motion with gardening, including digging, pulling weeds, and pushing a mower. Being in sunshine not only feels good, it increases vitamin D

production which helps the body absorb calcium. One of the strongest arguments for gardening as a means of fighting osteoporosis is that it is an exercise people tend to enjoy. People get caught up with gardening - they like having a beautiful yard, so they stay physically active longer to achieve that. With jogging, people tend to think, when will this be over? Exercise not only builds muscle and bone, it aids balance. Good balance is critical to avoiding falls, a primary concern for seniors. Dr. Turner spoke with the American Nursery & Landscape Association (ANLA) and offered some ongoing advice for those interested in gardening as a healthy habit and as a way to help avoid osteoporosis. Getting started If you’ve taken a winter break from yard work or haven’t been an avid gardener, start slowly and work your way up. If weather forces you indoors for several months, do calisthenics or weight training to keep in shape for gardening season. The video, “Be Bone Wise – Exercise” is available from the National Osteoporosis Foundation, (click on public/patient educational

NATIONAL GARDENING EXERCISE DAY

not have a garden of your own, then check out the many garden clubs and community gardens we have here in St. Louis, or you can even enjoy helping a neighbor with their garden. Take time today to celebrate one of America’s favorite hobbies. According to an Article “Get a Garden Workout” by: Sally Hammond, found on Weight Watchers website: “A recent study compared the amount of energy expended among a number of activities, including gardening. We charted these typical gardening activities against more full-fledged exercises.” [See Chart to Right]

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National Gardening Exercise Day is celebrated on June 06, 2016. Gardening is more than a hobby, it’s therapeutic! It’s good for the mind, body, and soul, and gives opportunity to go outside in the fresh air, burn off calories, and have fun while doing so. Not only do we reap a delicious, beautiful bounty from our efforts, but gardening is great exercise as well, making strenuous gardening activities such as raking, hoeing, and digging both aerobic and muscle strengthening. National Gardening Exercise Day calls attention to this healthy activity for people of all ages. If for whatever reason you do

materials) or call l-877-868-4520. It’s also a good idea to have a physical exam before starting strenuous exercise. The NOF recommends that women have bone density tests around age 50, or at menopause. Take a few minutes to stretch or warm up before you begin digging, weeding or pushing the wheelbarrow. Don’t risk dehydration. Keep water close at hand while working outdoors. People aged 65 and over must make an aggressive effort to stay hydrated. Use sunscreen and/or wear a hat and pause for shade breaks. Work smarter Several simple methods keep gardening from becoming a backbreaking chore. Raised beds require less bending and stooping. A portable stool makes weeding or planting easier on the body. Foam pads are gentler on the knees than hard ground. Next trip to the garden center, look for long-handled tools with good grip surfaces. Having several sitting areas throughout the yard encourages gardeners to stop, rest, and appreciate their efforts. Keep in mind the time-honored adage, Take time to smell the flowers.

Consider alternatives to lugging heavy bags of soil. You might have aged compost delivered by the truckload, directly to your garden. If small scale gardening is your ticket, most garden centers and nurseries are willing to load bags of dirt for you. What do you do once you’ve gotten the heavies home? Garden author Marianne Binetti suggest laying a tarp on the ground behind your car. Roll the bags of soil out of the car and onto the tarp. Drag the tarp to your intended garden site. Split the bags with a sharp knife and encourage the contents to spill out. This minimizes heavy lifting and allows you to garden independently. Article taken from “Gardening,” a publication of the American Nursery & Landscape Association. This article appeared in the November-December 2001 issue of Horticulture Update, edited by Dr. William C. Welch, and produced by Extension Horticulture, Texas Cooperative Extension, The Texas A&M University System, College Station, Texas.

Gardening

Exercises

DOING THIS...

EQUALS THIS MUCH ENERGY...

Watering the lawn or garden

Sitting, knitting or sewing

Walking, applying fertilizer to a lawn or seeding a lawn

Walking while shopping

Trimming shrubs or trees with a power cutter

Walking at a moderate pace

Raking; planting seeds and shrubs

Leisurely bicycling

Weeding; cultivating; trimming shrubs and trees

Heavy cleaning; golf

Carrying, stacking and hauling branches

Playing softball or baseball

Shoveling snow; mowing the lawn with a hand mower

Aerobics or swimming

© Weight Watchers

JUNE 2016 ∙ www.activelifestylesmag.com ∙ 5

AGING IN PLACE - MODIFYING YOUR HOME by Mary Jane Kuhn

As we all get older I’m sure our main desire is to stay in our home as long as possible. We want to be surrounded by the things we love: our pets, our memories, our neighbors and everything that is familiar to us. It’s hard to think about having to move out of the homes we cherish! In this article we are going to give you some great tips to keep you living happily and safely in your home for years to come. I think the best place to start with any aging-in-place home modification is the heart of the home, the kitchen! The kitchen is where so many of us spend most of our time and

making a few simple changes can allow a person to remain at home longer, with more independence. The easiest place to start is your lighting. Replacing older low wattage lights with newer, bright white LED bulbs and adding additional lighting around the kitchen can help when eyesight isn’t what it used to be. Improved lighting can help an older person read recipes and enable them to grasp items with better confidence, avoiding spills and broken glass. The better the visibility in the kitchen, the less risk of injury. A more substantial change but one that might really help, is adding a slide-out workspace at the counter that is wheelchair friendly. Changing out your old sink for a shallower one, 6” depth preferably, helps reduce the need for painful leaning over. Appliances can also be raised or lowered to make them convenient and safe. Adding lazysusans to cabinets can easily help you reach items without having to bend low to find them. Lastly, replacing your faucet with lever-style hardware will make it easier and less painful to use. It can

help make adjusting water temperature easier to avoid burns on fragile skin. The other room in your home where modifications could allow you to age-in-place longer is your bathroom. The simplest way to start making changes on your own is to remove all the bathroom rugs. Rugs around the sink and toilet are the number one cause of falls in bathrooms. There are alternatives to bathmats. One idea is a textured tape around the bathtub for when a person gets in or out. Water on the floor is another major concern, especially if you’ve removed your floor mats. Installing grab-bars in certain areas of your bathroom can make moving around much safer. The biggest changes in the bathroom would require a more major renovation but would be worth the fuss in the end. Installing a curbless shower is the safest way for an elderly person to bathe and can even be made wheelchair accessible. You can have a bench installed and a detatchable showerhead that can be adjusted in height for whether you’re sitting or standing.

Renovating your home might feel extreme but if it helps you live at home safely, for longer, it is well worth the investment and starting out with our do-it-yourself ideas is a great place to start. Kuhn Construction is a Certified Aging-in-Place Specialist and has aided countless families with home modifications to keep their loved ones at home longer. Never hesitate to reach out with any questions you might have as we can come do a free estimate or help you with ideas on how to stay in your home as you age. Call us anytime! Kuhn Construction Co., Inc. 755 E. Monroe Ave. Oakland, MO 63122 (314) 966-5846 www.kuhnconst.com kuhnconstruction@sbcglobal.net

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CALL (636) 256-1923

JUNE 2016 ∙ www.activelifestylesmag.com ∙ 6

THE HAIR WHISPERER: KEEPING YOUR HAIR HEALTHY ALL SUMMER LONG by Scott Gardner

Just as the sun damages your skin, it can damage your hair too. Saltwater and chlorine also take a toll on your hair. The not-so-pretty outcome: a few weeks into summer, hair that was shiny and easily managed looks and feels fried. Fried hair isn’t just a figure of speech. Jessica J. Krant, MD, a New York dermatologist, says the ultraviolet rays of the sun actually “cook the hair shaft.” The damage is most obvious when we see color-treated hair becoming faded, bleached and brassy. Even hair that isn’t colored will suffer from sun-induced stress. Those

UV rays dry out hair and rough-up the normally smooth cuticle, or outer layer, of the hair shaft. Frizz Factor The dryer hair is, the more likely it is to suffer from a summer malady that’s even more irksome than mosquito bites: frizz. That’s because parched hair soaks up the extra humidity in the air, causing the shaft to swell and leading to breaks in the cuticle. Hair puffs up and goes every which way but smooth. Swimming Damage Swimming beats up your hair too. Take a plunge in a pool and while you’re doing the breaststroke, chlorine is stripping your hair of its natural protective oils. If you’re a blonde, you may find your locks taking on an unflattering greenish cast. That’s caused by the copper molecules and other pool chemicals that bind to protein in the hair shaft. A dip in the ocean stresses hair in another way. The heavy salt content in seawater draws water out of your hair and skin. Tips for Healthy and Gorgeous Summer Hair Summer doesn’t have to be the season of bad hair days. With some TLC, your

hair can look great on the steamiest days. Here are some hot-weather tress-taming tips. 1. Start summer with a trim. You’ll get rid of split ends and refresh your style. You might need a mid-season cut, too. Hair does grow faster in the summer. That’s because there are more hairs in the anagen, or growing, stage during late spring and summer than in the dead of winter. 2. Shield your strands from the sun. Make a daily habit of applying a hair care product that contains UV filters (these can be in spray, gel, or cream formulas) like ProGen Smoothing Crème. These products protect hair from sun damage and helps keep color-processed hair from fading. If you’ll be spending lots of time outdoors, wear a wide-brimmed hat. Not only will it keep your strands from getting scorched, it will also protect your scalp and ears, areas that are vulnerable to skin cancer. 3. Saturate strands before taking a dip. If your hair is drenched with clean water and then Pro-Gen Leave-in Conditioner, it won’t absorb as much saltwater or pool chemicals. It’s also a good idea to try to rinse your hair after a swim. If there isn’t a shower nearby, keep a spray bottle filled

with fresh water. 4. Switch to a moisturizing shampoo and conditioner. You may be washing your hair more frequently to deal with summer’s sweat and grime. I suggest you use ProGen Nourishing Shampoo and Pro-Gen Moisture-Rich Conditioner to clear away dirt, grime, dead skin, and chemical buildup. 5. Skip the hot tools: At least once or twice a week, give your hair a break from blow dryers, flat irons, and curling irons. Summer is the time of the year to have fun and enjoy the nice weather; it’s not the time to worry about your hair if you follow these easy summer hair care tips. Pro-Gen products can be found exclusively at Hans Wiemann.

Scott Gardner Hans Weimann Hair Specialists 1266 Andes Boulevard St. Louis, MO 63132 (314) 721-6657

Fabulously Fit & Over Fifty Active Lifestyles!

You ought to be in pictures - You’re wonderful to see - You ought to be in pictures Oh what an Active Lifestyles hit you would be! BE OUR NEXT FABULOUSLY FIT READER! St. Louis Lifestyles just get Better...after 50!

evidence of how

Action pic you would like to share? SEND IT IN AND WIN! If we choose your photo for our next issue, you will WIN a $25.00 Gift Card from us! Just attach a pic in an email or mail a copy to us and include your name, contact info, and a blurb about your photo and activity you would like to share. Oh What an Active Lifestyles Hit You Could Be!!! EMAIL US AT: ACTIVELIFESTYLESMAG@GMAIL.COM have a great

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ealthy and Active

and show this great city of ours

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OUR FABULOUSLY FIT READER PHOTO FOR JUNE Pearl Jeppeson

[The photo left] is of Pearl Jeppeson with her best friend for life, Marla. Pearl wrote, “It was in a pool in Washington and we were in our early teens. We were on the local swim team. The photo is late 30’s sometime - probably 38. I am on the far right (end) and Marla at my side (2nd from left). My friend, Marla, passed away last year at 80.” [The photo inset] “I am on the left and Mars is on the right. This was a few years before her passing. I “swim” at the YMCA where I found your paper. We mostly “wiggle” in the water these days but Mars and I were like fish. We even swam in the Indian Ocean one time. How about that!” - Pearl Jeppeson

JUNE 2016 ∙ www.activelifestylesmag.com ∙ 7

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        

National Tea Day JUNE 10, 2016   and it started in St. Louis!

  



Yep, iced tea is often attributed to merchant Richard Blechynden, a tea plantation owner. The story goes that he had planned to give away free samples of his hot tea to fair visitors. However, the St. Louis summer was so hot (go figure) that few fair visitors seemed interested. It is said that Blechynden dumped some ice into his tea creating a drink that was a “hit” at the 1904 World’s Fair.

Foodies

LUNCHEON TRIPS

Do you like to eat? So do we! Come aboard with Active Lifestyles Magazine on one of the following Foodies Luncheon Trips. We are out to find some of St. Louis’ trendiest, newest and coolest places to eat!

WEDNESDAY, JUNE 8, 2016 - LASCELLES - $60.00

Lascelles is housed in the completely renovated historic Guardian Bank building in downtown Granite City. Not only an incredible venue, Lascelles menu serves up “upscale comfort food”. After lunch, a stop at the Malcolm W. Martin Memorial Park overlooking the beautiful Gateway Arch and St. Louis Skyline.

BIG CITY LIGHTS FRIDAY, JUNE 24, 2016 - $119.00

Join us on this new exciting EVENING event. We will start with a beautiful dinner at the legendary Tenderloin Room at the Chase Park Plaza. From there it’s off to the “Stage at KDHX” theatre for The Farmer and Adele. Their songwriting is uplifting, heroic and simple, but harken back to the time of Gene Autry and Roy Rogers. To top off our evening, sit back and enjoy a driving tour of our beautiful city skyline lights.

IL BAL LAGO AND PROVISIONS WEDNESDAY, SEPTEMBER 7, 2016 - $75.00

Join us as we savor the italian cuisine of IL BAL LAGO. The famous Giovanni Family from The Hill has been serving St. Louis for over 30 years. Then enjoy shopping at the unique Provisions Market in Creve Couer.

The cost includes meals, motorcoach transportation, and Guide and Driver Gratuities.

Reservations: (314) 577-0077

Trips are operated by Directions Tours, LLC. Price is Per Person and non-refundable if cancellation occurs. Space is limited. Call for full details. All Rights Reserved. JUNE 2016 ∙ www.activelifestylesmag.com ∙ 8

explore

a special travel pull-out section

Treasures of Mackinac Island

A very popular summertime destination is Mackinac Island, Michigan. As the heat of a St. Louis summer settles in, the cooler days, sparkling lake waters and sandy beaches are a great escape! As the old saying goes, half the fun is in getting there, and this especially holds true when traveling to Mackinac Island. DIRECTION Tours offers a unique and exciting way going and coming to Mackinac. Our tour travels to the historic small city of Manitowoc, Wisconsin. This city is located on Lake Michigan at the mouth of the Manitowoc River and once boasted a great industry of shipbuilding. This heritage is reflected throughout the town which sits along the Manitowoc River and is truly a delight to visit. It is here that the USS Cobia rests and is open for tour of both her topside and inside, including the torpedo rooms, wardroom, crew’s quarters, engine rooms and much more. The Cobia saw much action in WWII and was lost in May of 1945 during an eight hour depth charging by the Japanese minesweeper Hatsutaka.

www.directionstours.com

During that engagement, she was blasted into the muddy seafloor of the Gulf of Siam, but escaped intact, although heavily damaged. Today she is a National Historic Landmark and has been lovingly restored to her 1945 configuration. The SS Badger is a passenger and vehicle ferry that shuttles between Manitowoc, Wisconsin and Ludington, Michigan. She is the last coal fired passenger vessel operating on the Great Lakes and it is quite special to have the opportunity to take this sixty mile, four hour trip across Lake Michigan. The ferry saves travelers three and a half hours of travel time compared to the 411 mile drive from Manitowoc to Ludington via Chicago. There is plenty of entertainment onboard the ferry including bingo, movies, gift shop and more. Traverse City is found just a short two hour drive from Ludington and is one of our favorite small towns in Michigan. Voted one of the 10 Best Small Towns in America by Fodor’s, Traverse City is a true delight anytime of the year. Here you will find breathtaking natural beauty, up market boutiques, incredible restaurants, lovely wineries, and great local microbreweries. Traverse City is the largest producer of tart cherries in the United States and every year during the first week of July the city hosts the National Cherry Festival, attracting 500,000 visitors! The journey from Traverse City to Mackinaw City is a two hour drive and is visually stunning. The glistening waters, lakeside homes, and gorgeous landscape are a joy to behold. Traveling through the

vacation destination of Charlevoix is a delight, as there is a drawbridge to be traversed and the pleasure of seeing yacht after yacht ply these beautiful waters. Mackinaw City is where we board the passenger ferry over to Mackinac Island. This is such a beautiful crossing of Lake Huron; indoor seating or for those who love the wind in their hair, there is outdoor seating atop the ferry for the twenty minute crossing. It is always a great pleasure to approach Mackinac Island, as she is a gem to gaze upon from the waters. Welcome to Mackinac Island! There are no motorized vehicles allowed on the pristine 3.8 mile island. Mackinac Island served as a strategic point for the Great Lakes fur trade and later the British established Fort Mackinac on the island during the American Revolutionary War. The Fort still stands today and is open for tours which include costumed docents and battle recreations. Mackinac Island first became a popular summer resort destination for the very wealthy in the late 19th century and the entire island is now listed as a National Historic Landmark. Travelers are wooed by the architecture, gardens, galleries, restaurants, history, natural beauty, and the eight mile bicycling trail that follows the island’s perimeter. Downtown streets are filled with fudge shops and tourists are known as “fudgies!” The natural beauty of the island is best experienced by horsedrawn carriage. Narrated carriage tours are always a highlight as the

By Tod DeHart horses make their way through the heavily wooded areas, past the fort, and over to a scenic lookout of a natural carved arch that overlooks the water. The lilacs that drench the island are thick and sweetly scent the air! Mackinac Island has been the setting of two feature films: This Time for Keeps, starring Esther Williams, in 1946 and Somewhere in Time, which was filmed at the Grand Hotel (pictured above) in 1979 and starred both Christopher Reeves and Jane Seymour. The Grand Hotel opened in 1887 and was a summer retreat for vacationers who arrived by lake steamers from Chicago, Erie, Montreal, and Detroit. Our next two nights will be at the fabulous Grand Hotel! The Grand Hotel’s front porch, the longest in the world, became a principal meeting place for all of Mackinac Island in the 1890’s. Today, guests enjoy rocking on the Adirondack chairs that line the massive porch while gazing out past manicured gardens. There are 386 guest rooms, none of which are alike. Join us on this truly special experience JOIN US ON THIS MAGNIFICENT TOUR VACATION THIS AUGUST! SEE NEXT PAGE FOR FOR COMPLETE DETAILS!

Until Next Trails!

Month...

Happy

For More Information call DIRECTIONS Tours at (314) 577-0077 or (888) 810-1171

Free Tour Catalog! CALL... (314) 577-0077

your tour vacation starts here! Welcome to DIRECTIONS Tours special EXPLORE Travel Section of Active Lifestyles Magazine!

The next pages feature and highlight some of our 2016 destination tours. DIRECTIONS Tours is celebrating 15 years in business in St. Louis and we are ready to take you across the world, USA, or just around town! We specialize in stress-free tours to the finest destinations. Our tour packages include excellent accommodations, luxury motorcoaches, most meals and all gratuities! We are locally owned and operated. All of our tours provide professional, experienced, safe and courteous Tour Directors and Drivers. Our itineraries are educational, adventurous and most importantly, fun! DIRECTIONS Tours uses only new state-of-the-art motorcoaches designed for your traveling comfort and safety. Enjoy our affordable rates that give you more value on every tour. For your protection, we are a fully insured tour operator through the Berkely Group, North America’s largest travel insurance company. In addition, we are members of the American Bus Association, St. Louis Convention & Visitors Commission, Missouri Travel Council and Route 66 Association of Missouri. We look forward to welcoming you aboard a DIRECTIONS Tour!

Call for a Free Tour Catalog! (314)577-0077

www.directionstours.com S E L G SI N M E SA E* IC R P

WE LOVE SINGLE TRAVELERS!

Over the years, we have noticed more and more singles traveling with us! So we have decided to work with our vendors to make it more affordable for single travelers to enjoy traveling with DIRECTIONS Tours! NOW SINGLES CAN TRAVEL WITH US FOR THE SAME PRICE AS DOUBLES* OR JUST A LITTLE MORE ON LONGER TOURS!

Enjoy Single Travel on any DIRECTIONS Tour for:

*up to 3 Days: SAME PRICE AS DOUBLE (no extra supplement) 4 to 7 Days: ONLY $100.00 supplement 8 to 11 Days: ONLY $250.00 supplement 12 to 15 Days: ONLY $350.00 supplement (314) 577-0077 (888) 810-1171 SINGLES CAN NOW TRAVEL LONGER www.directionstours.com FOR THE BEST RATES… PERIOD! (Excludes Cruises, Flight, Train and Repositioning Tours)

MACKINAC ISLAND

GRAND HOTEL ACCOMMODATIONS! AUGUST 15 - 20, 2016 (6 Days) Added AUGUST 8 - 13, 2016 sold out $ 1327.00 pp DBL Singles Only $397.00 addtl*

& Lake Michigan Cruise

Tour Highlights include:

• S.S. BADGER FERRY CRUISE ACROSS LAKE MICHIGAN FROM WISCONSIN TO MICHIGAN • KOHLER FACTORY TOUR & DESIGN CENTER • FERRY CRUISE TO MACKINAC ISLAND ACROSS LAKE HURON • TWO NIGHTS ON MACKINAC ISLAND AT THE GRAND HOTEL & ALL BREAKFASTS / DINNERS IN THE LUXURIOUS DINING ROOM • COLONIAL FORT MACKINAC OVERLOOKING STRAIGHTS • SHORES OF LAKE MICHIGAN AND HURON • CARRIAGE TOUR OF MACKINAC VILLAGE AND THE ISLAND (additional charge) • MIDDLEBURY, INDIANA AMISH ESSENHAUS DINNER • ENJOY A BICYCLE RIDE AROUND THE ISLAND OR SWIM IN ESTHER WILLIAMS GRAND HOTEL SWIMMING POOL

*9 MEALS INCLUDED: 5 BREAKFASTS, 1 LUNCH, 3 DINNERS *Due to resort pricing - Single supplement is $397.00 DON’T MISS OUT - THIS TOUR HAS VERY LIMITED SPACE LEFT!

Relax... your tour vacation starts here! Call Us! (314) 577-0077 www.directionstours.com

NIAGARASPECTACULAR FALLS

June 13 - 17, 2016 (5 Days) $ 987.00 pp DBL Singles Only $100.00 addtl

A top destination one can visit over and over... the majestic Niagara Falls! We explore the falls and beyond on this beautiful early summer tour - a great time to visit! Tour Highlights include: • NIAGARA FALLS, CANADA - FULL GUIDED TOUR OF REGION (note: passport is required for this tour) • 2 NIGHTS ACCOMMODATIONS AT RADISSON FALLSVIEW • NIAGARA ON THE LAKE VILLAGE AND ONTARIO WINERY • FAMOUS CLIFTON HILL • NEW NIAGARA FALLS CASINO • NIAGARA FLORAL CLOCK, BOTANICAL GARDENS AND WHIRLPOOL OVERLOOK • SKYLON DINNER ABOVE THE FALLS!!! • EVENING LASER LIGHTS SHOW ON THE FALLS • IMAX SHOW (Niagara: Miracles, Myths and Magic) • AND MUCH MORE! *8 MEALS INCLUDED: 5 BREAKFASTS, 3 DINNERS Reserve early to secure your space!

NATIONAL CHERRY FESTIVAL & MICHIGAN SHORES

JULY 5 - 10, 2016 (6 Days) $ 987.00 pp DBL Singles Only $100.00 addtl NEW FOR 2016! Explore Michigan’s Shores and the Largest Cherry Festival! Tour Highlights include: • AMERICA’S LARGEST CHERRY FESTIVAL IN TRAVERSE CITY, MICHIGAN Enjoy the festival - Arts, Crafts, Flea Market, Stage Entertainment, Specialty Foods, Demonstrations, and Fairgrounds. • CHATEAU GRAND TRAVERSE & AWARD WINNING CHERRY WINE • EMERALD island boat cruise & BEAVER ISLAND TOUR • CHARLEVOIX, MICHIGAN LAKESIDE VILLAGE • LAVENDER HILL FARM TOUR • WINDMILL ISLAND & DE ZWAAN WINDMILL • GRAND TRAVERSE LIGHTHOUSE • SAUGATUCK LAKE MICHIGAN SAND DUNE BUGGY RIDE * 9 MEALS INCLUDED: 5 BREAKFASTS, 4 DINNERS

Free Tour Catalog! CALL... (314) 577-0077

UNBEATABLE PRICE FOR 2016!

Seattle, Victoria & Olympic National Park

JULY 18 - 25, 2016 (8 Days) $ 1757.00 pp DBL Singles Only $250.00 addtl

Tour Highlights include: • NONSTOP FLIGHTS TO/FROM ST. LOUIS TO SEATTLE • SEATTLE CITY TOUR • SPACE NEEDLE AND DINNER ABOVE THE CITY • CHIHULY GARDEN AND GLASS • PIKE PLACE MARKET & ORIGINAL STARBUCKS • SEATTLE MUSEUM OF FLIGHT AT BOEING CENTER • OPTIONAL DAY TOUR TO VICTORIA & THE BUTCHART GARDENS • OPTIONAL WALKING TOUR OF SEATTLE UNDERGROUND • OLYMPIC NATIONAL PARK • PACIFIC COAST HIGHWAY 101 SCENIC DRIVE • SEATTLE HARBOR CRUISE TOUR AND SO MUCH MORE!!! • INCLUDES ALL AIR AND DELUXE MOTORCOACH TRANSPORTATION *12 MEALS INCLUDED: 7 BREAKFASTS, 5 DINNERS 6 Nights in Seattle 1 Night in Olympic National Park

Cardinals in San Francisco

SEPTEMBER 16 - 20 , 2016 (5 Days) $ 1579.00 pp DBL Singles Only $399.00 addtl

NEW FOR 2016! GET READY TO ROOT ON OUR CARDINALS... THIS TIME IN THE CITY BY THE BAY - SAN FRANCISO! Tour Highlights include: • TWO PREMIUM ST. LOUIS CARDINALS GAMES VS. THE GIANTS AT AT&T PARK • ROUNDTRIP NONSTOP AIRFARE TO SAN FRANCISCO • FOUR NIGHTS ACCOMMODATIONS IN THE BAY AREA • FAMOUS FISHERMAN’S WHARF AND MARKET • SAN FRANCISCO BAY CRUISE ADVENTURE: A Journey Along San Francisco’s Historic Waterfront. Experience the thrilling history of the San Francisco Bay while water gazing at the beautiful city of San Francisco and sailing under the Golden Gate Bridge and past Alcatraz • FULL DAY FREE TO ENJOY SIGHTSEEING YOUR WAY: Your Tour Guide will be happy to help you arrange a trolley tour, cablecar excursion, or any attractions. *5 MEALS INCLUDED: 3 BREAKFASTS, 2 DINNERS 4 Nights in San Francisco Bay Area

CAPE&COD

AUG 24 - SEP 2, 2016 (10 Days) $ 2257.00 pp DBL Singles Only $250.00 addtl NEW IN 2016! Tour Highlights include:

Martha’s Vineyard

• THREE NIGHTS ON BEAUTIFUL CAPE COD

WITH ITS HISTORIC, MARITIME CHARACTER AND AMPLE SCENIC OCEAN VIEWS AND BEACHES, CAPE COD IS KNOWN AS ONE OF THE COUNTRY’S MOST VISITED COASTS IN THE NORTHEAST. CAPE COD IS AN INDEPENDENT LAND MASS THAT JUTS OUT INTO THE ATLANTIC OCEAN IN THE EASTERNMOST PART OF THE STATE OF MASSACHUSETTS.

• MARTHA’S VINEYARD

DISCOVER THE MAGIC OF MARTHA’S VINEYARD! LOCATED JUST 7 MILES OFF THE MASSACHUSETTS COASTLINE, THE BEAUTIFUL ISLAND IS A WORLD APART AND AWAY FROM THE HUSTLE AND BUSTLE, OFFERING A VACATION AMBIENCE UNLIKE ANY OTHER!

• NEWPORT, RHODE ISLAND - MANSIONS AND MORE

NEWPORT HAS EVOLVED FROM A PROMINENT COLONIAL-ERA PORT AND GILDED AGE PLAYGROUND TO A LOCALE RIPE WITH ART, CULTURE AND HISTORY. A NEW ENGLAND SUMMER RESORT AND KNOWN FOR THE FAMOUS NEWPORT MANSIONS!

• THREE NIGHTS ON CAPE COD IN THE VILLAGE OF YARMOUTH, MA • OLD MYSTICK VILLAGE AND MYSTICK SEAPORT MUSEUM • NEWPORT, CT MANSIONS TOUR • THE VANDERBILT’S BREAKERS MANSION • MARTHA’S VINEYARD FERRY AND TOUR • HYANNIS SEAPORT - INCLUDING JOHN F. KENNEDY MEMORIAL, THE KOREAN WAR MEMORIAL, HYANNIS PORT • PLYMOUTH ROCK, MA • CAPE COD CRANBERRY BOG AND WINERY • BUSHKILL FALLS, PA - “THE NIAGARA OF PENNSYLVANIA” • CAPE COD GUIDED TOUR - PAST AND PRESENT • AUTHENTIC CAPE COD LOBSTER BAKE • AND MUCH MORE! *16 MEALS INCLUDED: 9 BREAKFASTS, 7 DINNERS Night #1: Columbus, OH Night #2: Carlisle, PA Night #3: Danbury, ct night #4: new london, ct night #5-7: yarmouth, ma night #8: carlisle, pa Night #9: Columbus, OH

Call Us! (314) 577-0077 www.hellodirections.com

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featuring... YELLOWSTONE & THE TETONS, BADLANDS, BLACK HILLS & MT. RUSHMORE

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SEPTEMBER 13 - 15, 2016 (3 Days) $ 597.00 pp DBL Singles Same Price

CRUISE AND MORE!

NEW FOR 2016! Join us as we celebrate OKTOBERFEST in style on this fun land and river adventure! Tour Highlights include: • CELEBRATION BELLE RIVERBOAT CRUISE We will board this beautifully appointed sternwheeler at the port of Dubuque, IA. Then we set sail on the Mighty Mississippi for a full afternoon cruise. Barefoot Becky & the Ivanhoe Dutchmen will have your toes a tapping and the dance floor full! Enjoy a mix of your favorite Oktoberfest polkas and waltzes and a mix of some party favorites. We will also enjoy a scrumptious luncheon onboard. • THE BIERSTUBE AUTHENTIC GERMAN RESTAURANT AND PUB • PEORIA GERMAN SOCIETY ENTERTAINMENT AND LUNCHEON • A STOP AT TREFZGERB’S GERMAN BAKERY • DAVENPORT GERMAN AMERICAN HERITAGE CENTER AND MUSEUM COME ONE - COME ALL! * 5 MEALS INCLUDED: 2 BREAKFASTS, 2 LUNCHES, 1 DINNER Night #1-2: Moline, IL

OZARK FALL FEST & THE WELK RESORT OCTOBER 18 - 20, 2016 (3 Days) $ 573.00 pp DBL SINGLE SAME PRICE!

Featuring: SHEPHERD OF THE HILLS, SHOWS AND MORE!

Tour Highlights include: • TWO NIGHTS AT THE FIRST CLASS WELK RESORT - BRANSON • THE SHEPHERD OF THE HILLS HOMESTEAD TOUR AND TOWER • ROUNDUP ON THE TRAIL CHUCKWAGON DINNER SHOW • PRESLEY’S COUNTRY JUBILEE SHOW • THE DOUG GABRIEL SHOW • SCENIC DRIVING TOUR OF THE OZARK MOUNTAIN FALL FOLIAGE • DOGWOOD CANYON GRIST MILL, WELCOME AND EDUCATION CENTER, AND LITTLE INDIAN STABLES *4 MEALS: 2 BREAKFASTS, 2 DINNERS Nights #1-2: Welk Resort, Branson, MO SPACE WILL SELL FAST AT THIS SPECIAL PRICE... CALL US TODAY TO RESERVE!

Call Us! (314) 577-0077 www.directionstours.com

SPECIAL NEEDS PLANNING - THIRD PARTY TRUSTS ď‚“ď ‚ď •ď ”ď€Źď€ ď ‰ď€ ď ”ď ˆď ?ď •ď ‡ď ˆď ”ď€ ď ?ď …ď „ď ‰ď ƒď ď ’ď …ď€ ď ƒď ?ď –ď …ď ’ď …ď „ď€ ď ”ď ˆď ‰ď “ď€żď‚”ď€ by Melissa Q. Leavy, Elder Law Attorney ď€ ď€ ď€ ď€ ď ˘ď šď€ ď ?ď Ľď Źď Šď łď łď Ąď€ ď ‘ď€Žď€ ď Œď Ľď Ąď śď šď€Źď€ ď …ď Źď ¤ď Ľď ˛ď€ ď Œď Ąď ˇď€ ď ď ´ď ´ď Żď ˛ď Žď Ľď š

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IRU D KHDOWK FRQGLWLRQ" ,W is GHSHQGV RQ estate. First, the money held back WKH RI FDUH \RX QHHG KRPH and NLQG not given outright to theDW disabled person. *HQHUDOO\ 0HGLFDUH GRHV 127 It is also protected in a way ď °ď Ąď šď€ ď€ ď ƒď ľď łď ´ď Żď ¤ď Šď Ąď Źď€ that ď Śď Żď ˛ď€ no ď Łď ľď łď ´ď Żď ¤ď Šď Ąď Źď€ one else ď Łď Ąď ˛ď Ľď€Žď€ can benefit fromď Łď Ąď ˛ď Ľď€ the ď Šď Žď Łď Źď ľď ¤ď Ľď łď€ ď °ď Ľď ˛ď łď Żď Žď Ąď Źď€ ď Łď Ąď ˛ď Ľď€ ď Ąď Žď ¤ď€ ď łď ľď °ď °ď Żď ˛ď ´ď€ funds. And, now let’s go straight to the ď łď Ľď ˛ď śď Šď Łď Ľď łď€Źď€ ď łď Żď ­ď Ľď ´ď Šď ­ď Ľď łď€ ď Łď Ąď Źď Źď Ľď ¤ď€ ď‚“ď Ąď Łď ´ď Šď śď Šď ´ď Šď Ľď łď€ worst option (other than disinheriting RI OLYLQJ ´ 7KH 'HSDUWPHQW RI theGDLO\ disabled child all86 together because +HDOWK +XPDQ 6HUYLFHV it is tooDQG much to think about). GHVFULEHV Take this VL[ EDVLF DFWLYLWLHV GDLO\ OLYLQJ and RU example: You haveRI four children $'/V LQFOXGLQJ HDWLQJ You EDWKLQJ your estate size is $200,000. want GUHVVLQJ WRLOHWLQJ WUDQVIHUULQJ ZDONLQJ each of your children to receive oneDQG FRQWLQHQFH $OWKRXJK WKH FDUH EH fourth of your estate, but you are afraid ď Žď Ľď Łď Ľď łď łď Ąď ˛ď šď€ ď šď Żď ľď ˛ď€ ď ¨ď Ľď Ąď Źď ´ď ¨ď€ ď Ąď Žď ¤ď€ Susie, ď łď Ąď Śď Ľď ´ď šď€Źď€ ď ´ď ¨ď Ľď łď Ľď€ that your ď Śď Żď ˛ď€ disabled child, can’t VHUYLFHV DUH funds QRW FRYHUHG 0HGLFDUH handle the or it willE\ kick her off medical $QG GRQÂśW IRUJHW that 0HGLFDUH or cash benefits she truly 3D\LQJ IRU ORQJ WHUP FDUH GD\V DW FRQWLQXRXV needs.DUH So,FDSSHG instead you give the $50,000 ď ˇď ¨ď Ľď ´ď ¨ď Ľď ˛ď€ ď Ąď ´ď€ ď Ąď Žď€ ď Ąď łď łď Šď łď ´ď Ľď ¤ď€ ď Źď Šď śď Šď Žď §ď€ GD\V RI FRYHUDJH 2QFH D 0HGLFDUH Asď ¨ď Żď ­ď Ľď€Źď€ with allď Šď Žď€ questions in life, you to Susie’s brother, Bob, to LQ hold for Susie. FHUWLÂżHG \RX EH UHDVVHVVHG IDFLOLW\ DW options. D VNLOOHG IDFLOLW\ QXUVLQJ alwaysRU have That is the case with If Bob is EHG a good andZLOO honest person, he KRPH FDQ EH FRQIXVLQJ DQG H[SHQVLYH HYHU\ GD\V $W HYHU\ VXEVHTXHQW special needs planning too. There are will only use that money for Susie, but ď ¤ď Ąď šď€ ď Ąď łď łď Ľď łď łď ­ď Ľď Žď ´ď€Źď€ ď šď Żď ľď€ ď Ąď ˛ď Ľď€ ď ­ď Żď ˛ď Ľď€ ď Ąď Žď ¤ď€ ď ­ď Żď ˛ď Ľď€ <RX VSHQG GD\V UHVHDUFKLQJ WKH best,FDQ better and definitely not advisable legally it is his and he has no obligation ď Šď łď łď ľď Ľď€ ď Ąď Žď ¤ď€ with ď łď ´ď Šď Źď Źď€ ď Žď Żď ´ď€ ď ¨ď Ąď śď Ľď€ needs ď Ąď Źď Źď€ ď ´ď ¨ď Ľď€ planning. ď Ąď Žď łď ˇď Ľď ˛ď łď€ OLNHO\ WR EH GHQLHG IRU RQJRLQJ FRYHUDJH to do so. In fact, if Bob decides he needs options special \RX QHHG 2QH FRPPRQ PLVFRQFHSWLRQ ď€ a new Mercedes ď “ď Żď€Źď€ ď ¨ď Żď ˇď€ SUV ď ¤ď Żď€ ď šď Żď ľď€ ď Łď Ąď ˛ď Ľď€ So, let’s start with best. If you andď °ď Ąď šď€ hasď Śď Żď ˛ď€ trouble ď Šď łď€ ď ´ď ¨ď Ąď ´ď€ a special ď ?ď Ľď ¤ď Šď Łď Ąď ˛ď Ľď€ ď °ď ˛ď Żď śď Šď ¤ď Ľď€ ď ľď Žď Źď Šď ­ď Šď ´ď Ľď ¤ď€ ď Šď Śď€ ď šď Żď ľď€ ď ¨ď Ąď śď Ľď€ ď Ąď€ ď Łď Żď Žď ¤ď Šď ´ď Šď Żď Žď€ paying it off, who would beď ´ď ¨ď Ąď ´ď€ thereď ˛ď Ľď ąď ľď Šď ˛ď Ľď łď€ to stop have needs child—whether RQJRLQJ FDUH OLNH GHPHQWLD KRPH KHDOWKFDUH DQG VNLOOHG FDUH FRVWV or not they are currently receiving him if he FXVWRGLDO used Susie’s inheritance to pay government 6R GRHV LW" for 1R help 'R \RX 3DUNLQVRQÂśV DQG benefits with off that vehicle? EvenFRPSOLFDWLRQV if Bob is trying RU to SURJUHVVLRQV RI RWKHU FKURQLF FRQGLWLRQV " ď ¨ď Ąď śď Ľď€ ď Ąď Žď€ care ď Ąď Łď ľď ´ď Ľď€ ď Šď Źď Źď Žď Ľď łď łď€ ď Ąď Žď ¤ď€ ď Žď Ľď Ľď ¤ď€ medical or cash assistancethe do the right thing, Bob could also get KRVSLWDOL]DWLRQ" *HQHUDOO\ \HV ď€ sued or divorced, and that money could best option is to create a “third-partyâ€? 6RXWK &RXQW\¡V )LQHVW 0HGLFDUH ZLOO FRYHU \RX QHHG /RRN DV IDU \RX FDQ special needs trustWKLV for 'R their benefit. be 6RXWK &RXQW\¡V )LQHVW used to LQWR pay WKH his IXWXUH legal DV obligations. $IIRUGDEOH $SDUWPHQWV )RU 6HQLRUV $IIRUGDEOH $SDUWPHQWV )RU 6HQLRUV UHKDELOLWDWLRQ LQ D VNLOOHG QXUVLQJ IDFLOLW\" DQG SODQ DKHDG 7KHUH DUH ÂżYH SD\PHQW The third party trust is the If, instead, you put those ď ‡ď Ľď Žď Ľď ˛ď Ąď Źď Źď šď€Źď€ ď šď Ľď łď‚…ď€ ď Śď Żď ˛ď€ ď Ąď€ ď łď ¨ď Żď ˛ď ´ď€ ď °ď Ľď ˛ď Šď Żď ¤ď€ ď Żď Śď€ ď Żď °ď ´ď Šď Żď Žď łď€ş absolute best protection you can afford funds into Susie’s special needs trust, WLPH 'R \RX QHHG KRPH KHDOWK VHUYLFHV  0HGLFDUH OLPLWDWLRQV QRWHG DERYH your child or other beneficiary of your %HGURRP *DUGHQ then Bob MUST administer the funds

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ď€˛ď€Žď€ ď °ď Ąď šď€ AND, ď€¨ď Ąď ´ď€ ď Ąď Žď€ ifď Ąď śď Ľď ˛ď Ąď §ď Ľď€ ď Żď Śď€ for ď ?ď ˛ď Šď śď Ąď ´ď Ľď€ her care, he getsď Łď Żď łď ´ď€ sued PRQWK DQG RIWHQ PXFK PRUH personally or divorced, those funds /RQJ WHUP FDUH LQVXUDQFH /7& are not available to his creditors. 0HGLFDLG Second, what if something ď€ľď€Žď€ 9$ %HQHÂżWV happens to Bob? If you have a special needs trust for Susie, you can also name /ŕś—ŕś–ŕś? ŕśœŕś?ŕśšŕś• ŕś‹ŕś‰ŕśšŕś? ŕś‘ŕś–ŕś›ŕś?ŕśšŕś‰ŕś–ŕś‹ŕś? “successor Trusteesâ€? to manage the 6KRXOG \RX EX\ LW" <HV LI \RX FDQ DIIRUG trust if Bob cannot. On the other hand, if LW GR QRW KDYH youDQG give\RX the funds to Bob andSUH H[LVWLQJ he passes ď Łď Żď Žď ¤ď Šď ´ď Šď Żď Žď łď€ ď °ď ˛ď Ľď śď Ľď Žď ´ď łď€ ď Łď Żď śď Ľď ˛ď Ąď §ď Ľď€Žď€ ď€ away, then ď ´ď ¨ď Ąď ´ď€ that would be distributed 6HHN DGYLFH IURP estate D ÂżQDQFLDO according to his plan orDGYLVRU state NQRZOHGJHDEOH LQ WKH SURGXFWV UHVHDUFK law, which usually means his spouse or GLIIHUHQW SODQV DQG WKHLU EHQHÂżWV LQFOXGLQJ children. Now, you have to hope that GDLO\ PD[LPXP UDWH DQG OLIHWLPH FDS 7KH his spouse or other heirs will take care SODQV DUH IRUPXODWHG RQ you DYHUDJH of Susie with the money left for ULVNV her. ď Ąď Žď ¤ď€ ď šď Żď ľď ˛ď€ can ď °ď Ąď ˛ď ´ď Šď Łď ľď Źď Ąď ˛ď€ ď Łď Šď ˛ď Łď ľď ­ď łď ´ď Ąď Žď Łď Ľď łď€Žď€ ď Žď Żď ´ď€ It sometimes be ď€ 6WDWLVWLFDOO\ \HDUV RI FRYHUDJH PD\ cumbersome learning how to effectively EH ÂżQH EXW \RXÂśUH QRW D VWDWLVWLF 6RPH set up or manage a special needs trust, ď Żď Śď€ ď ´ď Żď€ ď Œď ”ď ƒď€ that ď Šď Žď łď ľď ˛ď Ąď Žď Łď Ľď€şď€ andď ´ď ¨ď Ľď€ theď Ąď ¤ď śď Ąď Žď ´ď Ąď §ď Ľď łď€ laws can change require ď€ some maintenance to the trust or its ď€ąď€Žď€ &KRRVH \RXU IDFLOLW\ \RXU EHG DQG terms; but the rewards are endless. \RXU SURYLGHUV ZLWK IHZHU OLPLWDWLRQV With a special needs trust you can have ď€˛ď€Žď€ 6WD\ DW KRPH ORQJHU ZLWK KRPH assurances that the money you leave KHDOWKFDUH to your disabled child or loved one will ď€ ď ?ď Ąď šď€ ď °ď Ąď šď€ ď ˘ď Żď ´ď ¨ď€ ď Łď ľď łď ´ď Żď ¤ď Šď Ąď Źď€ ď Ąď Žď ¤ď€ ď ­ď Ľď ¤ď Šď Łď Ąď Źď€ be used in a way that makes his or FDUH her life better; such as social events ď€ ď ˆď šď ˘ď ˛ď Šď ¤ď€ ď °ď ˛ď Żď ¤ď ľď Łď ´ď łď€ ď Ąď śď Ąď Šď Źď Ąď ˘ď Źď Ľď€ ď ´ď ¨ď Ąď ´ď€ ď °ď ˛ď Żď śď Šď ¤ď Ľď€ and trips as opposed to basic medical RWKHU EHQHÂżWV LI WKH /7& LQVXUDQFH LV care, food and/or shelter costs. In QHYHU XVHG additon, you can have assurances that t 0ŕś?ŕśŒŕś‘ŕś‹ŕś‰ŕś‘ŕśŒ ŕś‰ŕś–ŕśŒ 9$ %ŕś?ŕś–ŕś?ŕśŽŕś‘ŕśœŕś› ŕś˜ŕś”ŕś‰ŕś–ŕś–ŕś‘ŕś–ŕś? the money you leave to your child or 1R RQH VDYHV WKHLU for HQWLUH WKLQNLQJ loved one is used theirOLYHV benefit and

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DON’T KEEP FAMILY IN THE DARK ABOUT YOUR PLANS by Jeff Ponte, Edward Jones Advisor

• Are there strategies for maximizing both You might work diligently at of your Social Security payments? building a financial roadmap for your • When will you need to start tapping into retirement years and a comprehensive your respective retirement accounts, such estate plan. But you can’t just create these as your IRA and 401(k)? And, once you strategies – you also have to communicate do start withdrawing from these accounts, them. Specifically, you need to inform your how much should you take out each year? spouse and your grown children what you You may want to work with a have in mind for the future – because financial professional to address these the more they know, the fewer the issues, but however you proceed, surprises that await them down the road. you and your spouse need to be “on Let’s start with your spouse. the same page” regarding the key Ideally, of course, you and your spouse financial components of your retirement. should have already communicated about Now, consider your grown your respective ideas for retirement and children. You need to clearly communicate have come to an agreement on the big your estate plans to them, not only for the issues, such as when you both plan to sake of openness and honesty, but also retire, where you’ll live during retirement, because they may well play active roles and what you want to do as retirees within those plans. So when talking to your (volunteer, travel, work part time and so on). children, make sure you cover these areas: But what you both might • Durable power of attorney – You may have let slip through the cracks are the well decide to give one of your grown important specifics related to financing children the durable power of attorney to your retirement. You’ll need to answer Half Page Program(5.5”x4.25”) pay bills and make financial choices on several questions, including these: your behalf if you are unable to do so. • When will you each start taking • Estate executor – An executor is the Social Security?

person or entity you name in your will to carry out your wishes. An executor has a variety of responsibilities, so you’ll want to choose someone who is honest and capable of dealing with legal and financial matters. Again, you could ask a grown child to serve as your executor, but, to avoid potential conflict of interests among your children, you might want to go outside the family. Talk with an attorney about how best to name your executor. Status of will and living trust – Assuming you have already drawn up a will, share it with your grown children. The same is true with a living trust, a popular estate-planning tool that may allow your survivors to avoid going through the time-consuming, public and expensive process of probate. A will and a living trust will obviously contain a great deal of information your children should know about – so take the time to explain your thinking when you created these documents. You want to enjoy a comfortable retirement, and you want to leave

a meaningful legacy through your estate plans. To help accomplish both these goals, you need to include your loved ones in your arrangements – so open those lines of communication. Edward Jones, its employees and financial advisors are not estate planners and cannot provide tax or legal advice. You should consult your estate-planning attorney or qualified tax advisor regarding your situation. For additional information contact: Jeff Ponte, your local Edward Jones advisor. Jeff can be reached directly at Jeffrey.ponte@edwardjones.com or (314) 469-1696 daily. Visit Jeff’s LinkedIn page for additional financial tips and related topics. Edward Jones, its employees and financial advisors are not estate planners and cannot provide tax or legal advice. You should consult your estate-planning attorney or qualified tax advisor regarding your situation.

Dreaming Up the Ideal Retirement Is Your Job. Helping You Get There Is Ours. To learn more about why Edward Jones makes sense for you, call or visit a financial advisor today.

Jeff Ponte

Financial Advisor

www.edwardjones.com

Member SIPC

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JUNE 2016 ∙ www.activelifestylesmag.com ∙ 18

USE YOUR HOME TO STAY AT HOME by David Mattull, Reverse Specialist

Using Home Equity as a Retirement Asset: Your retirement funds may come from savings, investment income, and Social Security. But now, there’s another source that may help you complete the longevity planning puzzle.

Reverse mortgages are becoming increasingly recognized by homeowners and financial advisors as a smart and safe way to access an important retirement asset: home equity. Most reverse mortgages are governmentinsured Home Equity Conversion Mortgages (HECMs). You will often hear the terms used interchangeably. Available exclusively to people age 62 and older, a reverse mortgage could help you live more comfortably and be more financially prepared for the future. For example, you can use a reverse mortgage to: • Avoid selling investments at a loss in a “down” market. • Establish a “stand-by” line of credit that you can tap as needed. Unlike a traditional

QUALITY OF LIVING Independence Financial Freedom Comfort Age-Friendly With a Reverse Mortgage, you can access equity in your home to: 

Pay off your existing mortgage to get rid of payments

Travel

Renovate your home

Eliminate bills

Pay for medical expenses

Create a Line of Credit

Have an emergency fund

Purchase a new home/downsize

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There is never a required monthly payment. You retain ownership of your home. Kevin Kohler / Dave Mattull Sr. Reverse Specialists Office: 314-878-7900

First Integrity Mtg Svcs

kkohler@firstintegrity.com

77 West Port Plaza, Ste 200

davem@firstintegrity.com

St. Louis, MO 63146

NMLS # 404277 / #241253

Company NMLS# 276593

Home Equity • Line of Credit (HELOC), a reverse mortgage line of credit cannot be reduced or revoked, as long as the terms of the loan are met. And the unused line of credit grows over time. • Supplement retirement income with tax-free* funds. • Delay collecting Social Security, for a larger monthly benefit. • Pay for medical or long-term care costs • Finance the purchase of a more suitable home, with no monthly mortgage payments**. Among the benefits of a reverse mortgage: • The ability to use your home equity to help you maintain a more comfortable standard of living, in your own home. • Tax-free* loan proceeds you can use however you choose. • Great flexibility. You can choose to take your proceeds as a line of credit; monthly advances for a set period of time; a monthly stream of funds for as long as you live in your home; a lump sum; or a combination of these options. • No monthly mortgage payments. If you qualify and have an existing mortgage, home equity loan or any other type of debt, you can pay it off and reduce your monthly expenses. Or, if you own your home free-and-clear, you can get the additional funds you need with no minimum monthly repayments required. (As the homeowner, you remain responsible for paying property

taxes, homeowners insurance, and homeowner’s association dues if applicable). AM I ELIGIBLE? To be eligible for a reverse mortgage, you must: • Be at least 62 years old. • Live in the home as your primary residence. • Have sufficient home equity. (Contact your First Integrity. • Mortgage Services to find out if you have enough home equity to qualify). • Not be delinquent on any federal debt. • Participate in a consumer information session held by an independent counselor who’s approved by the U.S. Department of Housing and Urban Development (HUD). Also, your home must: • Meet FHA (Federal Housing Administration) property standards and flood requirements. • Be one of the following property types: *Single-family home *Two- to four-unit home with one unit occupied by the borrower *FHA-approved condominium To get all the facts, please contact David Mattull, Reverse Mortgage Specialist for First Integrity Mortgage Services Office phone number: 314-878-4900 Cell phone number: 314-570-4970 Email: davem@firstintegrity.com NMLS # 241253

marketplace

saint louis

ACTIVE LIFESTYLES MAGAZINE is proud to feature St. Louis’ colorful and unique Communities, Neighborhoods and Districts!

Panorama Folk Art and Antiques Folk Art, Outsider Art, and Art of the Extraordinary, along with funky and fun vintage objects

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We offer a great selection of Mexican and Centro America products. Meat Department, Bakery, Piñatas and a variety of products for any occasion. Also, enjoy our restaurant serving Authentic Mexican Cuisine.

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It’s a Big Band Affair!

JOIN CASA LOMA THIS SUMMER FOR THE

BIG BAND WEEKEND

For almost 90 years the St. Louis Casa Loma Ballroom, a landmark of entertainment in St. Louis, has provided a wide range of popular music and dancing. This unique ballroom has served the young and the young-at-heart of St. Louis; offering the music of such greats as Artie Shaw, Glenn Miller, Benny Goodman, Frank Sinatra, The Harry James Orchestra, the Dorseys, Bill Haley and the Comets, and many more!

SEE OUR FULL SHOW / CONCERT / DANCING SCHEDULE ONLINE! Plan Your Next Party at the Casa Loma Ballroom •Wedding Receptions •Theme Parties •Benefit Dances •Business Meetings

3354 Iowa @ Cherokee Street St. Louis, MO 63118

CALL (314) 664-8000 www.casalomaballroom.com

The National Ballroom and Entertainment Association welcomes THREE Great Big Bands - KEN PAULSON, LONNY LYNN and RON SMOLEN

AUGUST 19, 20 and 21, 2016

The Col Ballroom in Davenport, IA Dancing Friday and Saturday 7-10:30 p.m. and Sunday Afternoon 1-4:00p.m. Special Hotel Accommodations at the Radisson, Davenport FOR MORE INFORMATION OR TO RESERVE SPACE, CALL PAT @ THE CASA LOMA BALLROOM (314) 664-8000

MADE IN ST. LOUIS

When I was growing up, I often heard St. Louis described as “a union town.” Maybe I heard that so much because many union members lived in our South City neighborhood and were members of our parish, St. Cecilia Parish. Recently, I learned that one neighborhood resident, Paul Morrin, had been General President of the Ironworkers International. (During my childhood, his widow continued to live in their bungalow on South Grand Boulevard.) The son of Irish immigrants, Morrin had come to St. Louis in 1900 and apprenticed with the ironworkers. The work was treacherous. When ironworkers were constructing the steel skeletons of skyscrapers, their casualty rate was estimated at one death per floor. Morrin struggled to organize his fellow ironworkers. A union busting newspaper man in Los Angeles targeted union leaders, including Morrin, accusing them of an act of terrorism. As a result, Morrin and other union men were imprisoned at Leavenworth. When released, they returned home as heroes. In 1918, Morrin took office as General President of the Ironworkers International. He lead the Union for thirty years, stepping down from that post in 1948. Learning about this man’s remarkable personal saga started me wondering about the history of the union movement in St. Louis. So the next time I was at the library, I randomly picked up a St. Louis City directory from 1894. I looked for a listing of unions and was dumbfounded to find two and one half pages filled with the names of local labor organizations. More than telling about the union movement, the list revealed how St. Louisans earned a living in the 1890’s. It spelled out the trades and industries that powered the local economy and built our great city. Many of the unions listed represented trades that are almost nonexistent today. In 1894, St. Louisans belonged to union locals representing harness makers, horse shoers, horse collar makers and carriage and wagon painters. There was a local for lithographers, who pursued a now antiquated method of printing words or drawings, and a local for tanners and curriers. Some of the unions recall industries that were once major forces in the St. Louis economy. The list included the Tobacco Factory Workers’ Protective Union, the Tobacco Wrapper Selectors’ and Stemmers’ Union, Tobacco Box Makers Protective Union, Tobacco Pressman and Helpers, the Cigar Makers’ International Union and the Cigar Packers’ Union. This list reminds us that before the tobacco industry left St. Louis in the 1920’s, St. Louis was the major tobacco producer in the world. Even the

S

TL now and then

by NiNi Harris, Historian famed Liggett & Myers Tobacco Company was rooted in St. Louis. Many turn-ofthe-century immigrants (Poles from the Soulard neighborhood and Italians from the Hill) found their first jobs in St. Louis at the Liggett & Meyers warehouses. Judging from the list of labor organizations, St. Louisans were making just about everything. There were broom makers, cabinet makers, range makers, furniture varnishers, box sawyers and nailers, and felt hat finishers. The Boot and Shoe Workers International Union and the coopers unions, resulting from our numerous breweries requiring barrels, recall the old adage about St. Louis, “first in shoes, first in booze and last in the American League.” The extraordinary legacy of the building trades has made St. Louis an architectural treasure. Often the unions acted as Medeival Guilds teaching and passing on their valuable skills. The bricklayers local formed in 1864, before the international organized. The locals representing stone masons and their assistants totaled six. There was also a marble cutters and setters local and a local for polishers of marble, slate and granite. These craftsmen were likely helping to build our great civic buildings like the spectacular City Hall, the monumental Union Station, and St. Louis’ inspiring new skyscrapers. The pages of labor organizations in the city directory of 1894 do not document the sixty hour work weeks nor the hazardous worksites that St. Louis workmen faced in that era. It does not give an account of the struggles fought by unions to create more wholesome and healthful work environments. The list of labor organizations does, however, tell us that the “made in St. Louis” label was on the goods stacked on shelves in general stores throughout the Midwest and West. And the list gives us a sense of the scope of the industries and trades that were building this great American City. Author/Historian NiNi Harris is featuring two areas of South St. Louis during her May Walking tours offered through OASIS. All the tours are based on original research by Harris. To register for NiNi Harris tours through OASIS call 862-4859. Copyright 2016 NiNi Harris Downtown St. Louis by Nini Harris; forward by Charlie Brennan, photo editied by Don Korte. ISBN: 9781681060156; hardcover 8.5X11, 160 pages: $35.00

St. Louis’ City Hall, modeled after the City Hall of Paris, features outstanding brickwork, stonework and marble work executed by St. Louis craftsmen. It reflects the civic confidence of St. Louisans at the turn of the century. (Postcard courtesy of a private collection.)

ST.L UIS

IT HAPPENED IN ST. LOUIS 50 YEARS AGO…

50 Year History of Lake St. Louis

Excerpts from the Lake STL Community Association Website www.lslca.com

In January 1961 Ellis Ellerman and Ira Nathan began developing plans for a private resort community; a popular concept in the 1960s in the St. Louis region. The vision was for a weekend resort with a lake large enough for recreation and a location close to St. Louis. Ellerman and Nathan hired engineers to begin the initial planning of the lake and community, and Nathan named the project “Lake Saint Louis” in 1961. Ellerman and Nathan formed Trails Lake Development Corp. in 1962, and by August 31 of that year, 10 lots had already been sold in the project, which was to feature a 625 lake (PD article 8-25-63). Ellerman and Nathan lacked adequate financing, and they soon found themselves in over

their heads on the project. Ellerman and Nathan were soon joined by several other investors to keep the project afloat, including R. T. Crow. The financial troubles continued for Ellerman and Nathan, and The Healey Discount Corp., owned by Crow and the three other investors, foreclosed on Ellerman and Nathan’s Trails Lake Development Corp. in June 1966. R. T. Crow investigated the idea of new towns, including visiting many others in the east. Crow felt that the location between two major highways and the westward growth of St. Louis justified the building of a “New Town”. In the end, Crow bought out the other three investors who were part of The Healey Discount Corp., and he became the sole developer of the Lake Saint Louis development. St. Charles County approved the preliminary plan for Lake Saint Louis in April 1967. People who had purchased lots from the first developers were given credits for lots in the new Lake Saint Louis project.

JUNE 2016 ∙ www.activelifestylesmag.com ∙ 21

YEAR-ROUND FUN & ADVENTURE

LEARNING EXPLORATION & ADVENTURE Adult Programs YMCA TROUT LODGE

Rates include lodging, meals & all scheduled activities!

JUNE WORD SEARCH

WE HAVE FUN ACTIVITIES FOR ADULTS OF ALL ABILITIES!

YMCA Trout Lodge Adult programs provide adults with an opportunity to travel and meet other lifelong learners & explorers. Whether traveling alone, as a couple or in a group, everyone will find something of interest at YMCA Trout Lodge. Rates include lodging, meals and all scheduled activities!

JUNE PROGRAMS 5-10: HIKING, CANOEING & AN AMAZING UNDERGROUND ADVENTURE Experience nature on a hike, by canoe or on horseback. Try your hand at archery and riflery, visit mud cave, enjoy a local winery, tour famous Bonne Terre Mine, take a pontoon ride on an underground lake, and much more. 12-17 & 19-24: CANOEING, HORSES, EXPLORATION & SUMMER FUN You and your grandchild (June 12-17) or family (June 19-24) will grow even closer while you participate in amazingly fun activities. Begin by learning about rocks and minerals, and then head off into some of the world’s largest granite boulders. Enjoy campfire with s’mores, a trail ride through our hardwood forest, water activities and much more.

WANT TO KNOW MORE? Go to troutlodge.org, click on “Stay”, click on “Adult Programs”, scroll down and click on 2016 ADULT PROGRAM GUIDE for an entire list of our offerings for 2016! Or call us at 888-FUN-YMCA and we will be happy to send you a guide by mail.

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adop

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Jasmine

Since April 2014, Needy Paws Rescue of St Louis has rescued 1,300 dogs with over 100 volunteers. They are a 100% volunteer foster-based 501(c)3 organization, saving dogs at high kill shelters, strays, abandoned or owner surrendered. All of their rescued dogs are placed in approved, inspected foster homes while waiting for their Forever Family. With these rescues, comes medical and supply needs and they do receive donations to help with these needs, but the costs continue every day. They sponsor fundraisers throughout the year to help defray some of those medical costs. You can help out by attending one of their numerous fundraisers throughout the year. Come and have some fun with your family and friends while giving to a worthy cause! All adoptable dogs are fully vetted being spayed/neutered, vaccinated, micro-chipped and heart worm tested. Below are just a few of the cuddly K9’s and you can view many more on their website; www.needypaws.org Facebook at: www.facebook.com/NeedyPawsRescue

Porshe

Porsche is 1 year old German Shepherd/Hound mix. Porsche is a very active dog and loves to run. She needs a family that can match her energy. She is great with other dogs and excellent with kids of all ages but not recommended for cats. Porsche is house and crate trained.

This pretty little girl is Jasmine, a 6 month old Pit Bull Terrier mix. Jasmine is very shy at first but once she warms up to you she will bind to you forever and make you her person. She loves to play fetch, chew on bones and drown you in kisses. She is great with other dogs, with the proper introduction. She has not been cat tested and she will do best in a home with kids that are older than 10 years old. Jasmine is doing great with house and crate training.

Rex

Lazlo

This handsome guy is Rex, a two year old Boxer mix. Rex is very affectionate, fun, energetic, and the sweetest boy on the planet. He loves people, other dogs, and kids but he is not a fan of cats. Rex is house and crate trained. All he needs now is a forever family.

TO ADOPT ONE OF THESE PETS VISIT: www.needypaws.org

COSMIC BINGO & SILENT AUCTION FOR NEEDY PAWS - JUNE 17, 2016

Doors open 5:30pm, beverages served at 6:30pm, Cosmic Bingo starts promptly at 7:00pm. A $30 fee in advance ($35 at the door) includes: - 6 Bingo Cards (more available for purchase at the door) - 50/50 - Games - Raffle Prizes - Glow Hat & Daubers - Complimentary beer, soda & light snacks **Players are welcome to bring their own food and beverages to this event**

P

aws

Please join Needy Paws on Friday, June 17th, 2016 at St. Matthias Church Gymnasium, 796 Buckley Road, St. Louis, MO 63125 for a fun-filled night of COSMIC BINGO!

VISIT: www.needypaws.org/cosmic-bingo to purchase your tickets today!

Lazlo is a 1 year old Border Collie mix. His foster mom says he is a great dog and even though he’s young, he doesn’t chew on anything except his toys and chewies. Young and playful, Lazlo would like a daily walk with a little play time. He gets along really well with other dogs but he doesn’t really need another pet in his new home. He likes to play fetch and chase balls and sticks, but will chase anything that is thrown. He loves being around people and sometimes his foster mom lets him on the couch. He is house and crate trained too. He would love being part of a loving family.

BECOME A PET’S FOSTER PARENT

Needy Paws Rescue of St Louis, is a 100% volunteer foster-based 501(c)3 organization, saving dogs at high kill shelters, strays, abandoned or owner surrendered. All of our rescued dogs are placed in approved inspected foster homes while waiting for their Forever Family. Needy Paws Rescue receives requests to save dogs every day and it is very hard to decide which dogs to save and those that have to be

left behind. We don’t want to leave any behind, but can only rescue when foster homes are available. We need More Foster Homes. Please help us by being a FOSTER PARENT to a rescued dog. It is such a rewarding opportunity. You supply your Home and your Love. NPR covers expenses, providing you with food, treats, collars, leashes, beds, crates and any other items needed to care for your foster dog. Please consider Fostering a dog and preparing him/her to be adopted to a forever family. Go to www.needypaws.org, fill out a Foster Application and you’ll be on your way to saving a dog’s life. For more information on becoming a foster parent,

call NPR at (314) 452-8307 or email info@needypaws.org

JUNE 2016 ∙ www.activelifestylesmag.com ∙ 23

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