FREE APRIL 2020 Volume 7 Issue 4 MATURE • MODERN • MEANINGFUL
What A Time It Is
Together we get through PAGE
4
Profile:
Gardening Gurus
The Graffs share their bountiful harvest PAGE
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Breathtaking, Bold Annuals Brighten your day with flowers PAGE
8
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Staff PUBLISHER/EDITOR IN CHIEF COLLETTE JACOBS cjacobs@adamsstreetpublishing.com CO-PUBLISHER/CHIEF FINANCIAL OFFICER MARK JACOBS mjacobs@adamsstreetpublishing.com EDITORIAL Assignment Editor KYLE ALISON CUBBON mleditor@adamsstreetpublishing.com Associate Editor ATHENA COCOVES athena@adamsstreetpublishing.com Staff Writer JEFF MCGINNIS mcginnis@adamsstreetpublishing.com
In this Issue APRIL 2020 Local Briefs Profile 7
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n ALISON AND JIM GRAFF
Cover Story
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WE’LL GET THROUGH THIS
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April 2020
What a time this is. Two weeks ago, when I began to think about what I would say in this column, I had no idea how much our world would change in just a few days. The phrase “social distancing” did not exist in daily conversations. “Selfisolation” seemed an unhealthy way to live. Students were in school. The arts were in full swing. The grocery aisles were full and people were wondering if the Democratic candidate would be Bernie or Joe. Then came the coronavirus and everything changed. This IS the topic of conversation. This IS a big worry. I am in “the at-risk” category so I am not mixing with people, I am staying home. I am one of millions. What are we doing to pass the time? Cooking. Lots of cooking. Breads, desserts, healthy dinners (to combat the desserts!). Cleaning. Getting to those often missed corners and hard to reach dirt collectors. Reading. We grabbed some library books before the library closed and can also reread favorite books on our shelves. We also read MLiving! Reconnecting with old friends. The phones work and friends are also staying home so time to call is ample. Sorting through boxes of photographs. So many memories to enjoy! Exercising. You-tube guidance gets us through exercise routines. Walking outside. Fresh air helps everything. Learning something new using You-tube videos and on-line instruction. Donations. Filling bags for Goodwill. I hope your experience is filled with activities and you are and remain healthy. Together we get through. Best regards, Kyle
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You Can Still Get Groceries
Stores change hours to adapt to COVID-wary customers
How to Make Your Own Hand Sanitizer
By Jeff McGinnis
By Suzy Cohen
One of the rare places that we’ll all be going to at least a few times over the course of the next month or so is the grocery store. Fortunately, many area grocers have announced shorter business days, senior discounts, special early shopping hours for senior citizens and other high-risk customers, and more. Here are some area grocers who offer safe, easy shopping. For the full list, visit mlivingnews.com
HOUSE OF MEATS Store Hours: 10am-6pm
Senior Shopping Days: 9-10am on Tuesdays and
Thursdays for customers age 60 or older. Seniors receive a 10% Discount on all eligible items during these hours. For coupons, specials, curbside pick-up, and to shop online, visit homshop.app.
Store Hours: 9am-7pm
Senior/High-Risk Hours: 9-10am
Tea Tree essential oil.
Combine 10 drops of essential oil of tea tree and mix with approximately 4-ounces of water and put it into a spray bottle. If the scent is too “antiseptic” for you, you can certainly add some other essential oil that you like such as lemon or lavender, both of which offer even more anti-bacterial and anti-viral benefits.
MONNETTE’S MARKET Store Hours: 8am-8pm
Senior/High-Risk Hours: 8am-9am
SAUTTER’S MARKET
Store Hours: 7am-9pm Delivery: In partnership with McCord Road Christian Church. To order, email contact@SauttersMarket.com or call (419) 885-3505 between Market Hours: 8am-1pm, Saturdays (December-April). 8am-2pm, Saturdays (May-November). Senior/High-Risk Hours: 8-9pm
SOFO FOODS
Store Hours: 9am-8pm Delivery: Call 419-882-8555
STANLEY’S MARKET Store Hours: 8am-6pm Delivery: Call 419-726-4347
WALT CHURCHILL’S MARKET Store Hours: 7am-9pm
Senior/High-Risk Hours:
7am-9am
Hydrogen peroxide.
You can buy 3% hydrogen peroxide pretty much anywhere still. Put this in a spray bottle and use it like you would hand sanitizer. If you want to make it last longer, dilute it with a little water.
MIDDLE EAST MARKET
TOLEDO FARMERS’ MARKET
As the fear of coronavirus COVID-19 spreads across the United States, many people have started buying hand sanitizer. But this product is already sold out in a lot of stores and the prices online have skyrocketed due to sellers acting very opportunistically. It’s a supply and demand issue and now that everyone wants it, they can take advantage of you! Today, I’m offering you alternative methods to sanitize your hands and cell phone cases, doorknobs, buggy handles, and whatnot. I have a more detailed version of this article that I can email to you after you sign up for my free newsletter at suzycohen.com. Do not spray any of these on your face, or near your eyes because it will burn. These are intended as recipes for external application only. Here are some of my best ideas to make a home-made hand sanitizer and the essential oils I mention all have some degree of activity against pathogens.
Eucalyptus in aloe vera.
Pour out 1-ounce of aloe vera gel or juice into a 4-ounce spray bottle. You can use either in my opinion, and I’ve done that myself. The aloe juice is technically drinkable, but the reason it might be okay for your spray bottle because it is less viscous, so it goes into solution very nicely. I’ve made my own homemade facial toners using aloe vera juice (not gel). The gel is fine too, it’s just thicker and it’s sold for external use. Either way, the next thing you do is add 10 drops of essential oil of eucalyptus and finally, fill the bottle to the top with water.
Distilled white vinegar.
Many of you have bottles of plain vinegar in your home to use as a cleanser, or in recipes. You can buy about a gallon of this stuff for 5 dollars or so! Vinegar is a great disinfectant and is known to destroy many gram-negative bacteria like E. coli, Salmonella and other pathogens. If I were making this, I would add 5 drops each of patchouli, lemongrass, tea tree and thyme.
Rubbing alcohol.
If the stores run out of everything, you can always use rubbing alcohol to kill germs. I recommend you dilute by about 50 percent with water and to cut down on the alcohol scent add some essential oil of eucalyptus, lemon or orange.
Colloidal silver.
We all know that silver was the antibiotic of choice for years until proprietary drugs became available. Silver is a strong antibacterial. You can buy a bottle of colloidal silver and use it at 100% strength in your spray bottle. Don’t dilute it. I’d personally recommend that you add 5 drops each of clove and eucalyptus to the silver. I want to make sure that you realize that hand sanitizers do not kill COVID-19. Nothing I say here is to be misconstrued as medical advice and do not delay seeking medical attention if you have respiratory symptoms.
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Get Your (re)Fill
Pharmacies delivering prescriptions directly to your home Now is not the time to neglect your personal health. Hospitals are overworked and many doctor’s offices are closed, limiting our access to day-to-day health care and check-ups. But have no fear— obtaining your medications is easier than ever, as many local pharmacies are now offering free local prescription delivery. Some national chains, such as Rite Aid, CVS, Walgreens, Kroger and Meijer, have also begun to offer delivery and shipping options, but services vary by location. Here are some locally-owned and operated pharmacies that offer FREE local prescription delivery: Ryan Pharmacy & Orthopedics Supply
3340 Dorr St., 419-531-2836. 1-800-589-RYAN (7926). Ryanpharmacy.com 9am-6pm, Monday-Friday. FREE delivery Online refills and ordering24-hour prescription refill Walt Churchill’s Market Pharmacy
Westgate Family Pharmacy
3147 W. Central Ave., 419-531-0000. Westgatefamilypharmacy.com 9:30am-7pm, Monday-Friday. 10am-3pm, Saturday. FREE local prescription delivery 24/7 prescription refill hotline
26625 N. Dixie Hwy., Perrysburg. 419-872-6904. waltchurchillsmarket.com/pharmacy Pharmacy Hours: 9am-7pm, Monday-Friday. 9am-5pm, Saturday. 10am-4pm, Sunday. FREE delivery of prescriptions from 10am-noon, Monday-Friday. Most prescriptions filled in 20 minutes or less.
Monroe Pharmacy
Anson Pharmacy
Franklin Park Pharmacy
Perrysburg: 25684 Dixie Hwy., 419-874-8878. Pemberville: 209 Bierley Ave., 419-287-7088. ansonrx.com 9am-6pm, Monday-Friday. 9am-2pm, Saturday. FREE delivery service to patients anywhere in the Perrysburg and Pemberville area Online prescription refills and transfers Toledo Family Pharmacy
Five Points: 1601 W. Sylvania Ave., 419-470-0700. East Toledo: 324 Main St., 419-930-5830. Toledofamilypharmacy.com 9:30am-7pm, Monday-Friday. 10am-3pm Saturday. FREE local delivery 24/7 prescription refill hotline. Online refills. Erie Drug
4502 Lewis Ave., 419-476-4322. See “Erie Drug” on Facebook. 9am-7pm, Monday-Friday. 9am-2pm, Saturday. 10am-2pm, Sunday. FREE local delivery
4122 Monroe St., 419-473-1531. mygnp.com/pharmacies/monroe-pharmacy-toledo-oh-43606 9am-8pm, Monday-Saturday. 9am-5pm, Sunday. FREE local prescription delivery Online prescription refills 4026 Secor Rd., Ste 2. 419-394-9110. franklinparkpharmacy.com 9:30am-6pm, Monday-Friday. 9:30am-1:30pm, Saturday. FREE prescription delivery for local Toledo, Sylvania and Temperance customers 24/7 pharmacist accessibility phone line Bedford Wellness Pharmacy
7473 Secor Rd., Lambertville, MI. 734-856-9123. Bedfordrx.com 9am-6pm, Monday-Friday. 9am-1pm, Saturday. FREE local prescription delivery Drive-through prescription window Mail order service. Online prescription refills For more information, see our full story online at mlivingnews.com
Find more online
We’re frequently updating the website with fresh content.
Check out what’s new at mlivingnews.com April 2020
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Local New deadline for the Real ID Rudy and Jack both turn 100
A pair of Toledo institutions were honored by the Ohio Senate on February 14. 100-year-old Glass City resident Jack Tongring was recognized by the Senate President with a letter in commemoration of his century of positive contributions to the State as an educator and military veteran. In addition, Rudy’s Hot Dog Stand was honored for its 100 years of service to the Toledo community. Generations of city residents have enjoyed Rudy’s legendary chili dogs since the first restaurant was opened in 1920.
Bittersweet victoriesat the Special Olympics
Two participants from the Bittersweet Farms program in Whitehouse made waves at the first ever Special Olympics Ohio Winter Games held in Bowling Green. Beth Meier, a state-level swimmer and skier, won one gold medal and two bronze medals as part of the Games’ swimming events. Matt Pierson, a member of the Lucas County D4 basketball team, earned a bronze medal for his team’s efforts in the State basketball tournament. Beth and Matt both are part of the Bittersweet Farms community which provides individuals on the autism spectrum a chance to work in an agricultural environment. —JM
A sweet (not bitter) deal Bittersweet Farms in Whitehouse is now taking orders for the tenth year of its Local Produce with a Purpose CSA program. For one flat rate, participants purchase a share of produce that can be picked up weekly all season. This year, Bittersweet is offering three different sizes of shares, large, recommended for families of four, medium for small families or couples, and small for individuals. The spring season runs from May 12 through July 2, so place your order now if you want quality food straight from Bittersweet Farms. CSAs can be purchased at bittersweetfarms.org/csa.
You now have an extra year to get a Real ID driver’s license or identification card. The Department of Homeland Security extended the deadline to obtain a Compliant Driver License ID— which will allow U.S. air travels to board a domestic flight— is October 1, 2021. The new deadline was moved due to the coronavirus pandemic. Currently, the State has temporarily closed more than 180 BMV offices in Ohio. The NW Ohio BMV in Bowling Green (1616 E. Wooster St.) remains open only for issuance of commercial driver licenses, or CDLs and for the renewal of CDLs. For more information, go to the driver’s license page at www.bmv.gov or call 800-CALLBMV.
Bored? Take an online music lesson If you want to pick up a new instrument, refresh your skills, or learn how to play music for the first time, Forté Music School’s online music lessons will make sure you never have to miss a beat. The new online platform allows students to have handson, one-on-one guidance from a Forté instructor from the comfort of your own home. “Music has such healing power, one that is vital in uncertain times,” said Director Virgil Lupu. “ I believe that our instructors provide such experiences, experiences that are especially beneficial at this time.” For more information, visit fortemusic419.com
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Spring is just around the corner and we are now offering select specials on all interior washing, touch up and painting. Treat yourself to a well renowned comprehensive detail service that will leave your home glistening.
TSO to broadcast classic concerts on WTGE
Call us today at 567.455.6121
If you’ve been missing the soul-stirring sounds of the Toledo Symphony Orchestra (TSO) during life’s COVID-19 hiatus, WGTE has got your back. Enjoy recorded concerts by the orchestra on Sundays at 6pm through May 17, as part of WGTE Presents: TSO in HD.
We are committed to creating the very best remodeling experience for our customers every day, through honesty, integrity, and craftsmanship.
The series came about after the TSO announced the cancellation of all public performances in the wake of Gov. DeWine’s announcement regarding the banning of public gatherings. “It was a difficult decision for us to make when we canceled performances earlier this month,” said Zak Vassar, president and CEO of TSO. “There were a lot of moving parts to consider in a relatively short timeframe as the crisis rapidly unfolded before us. In the end, the well-being of all of our patrons, musicians, partners, staff, and volunteers superseded all.”
PO Box 208 Sylvania, OH. 43560 thebrunnercompany@gmail.com thebrunnercompany.org
The Brunner Company, LLC thebrunnercompany,LLC
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Upcoming TSO in HD programs include: The Sea (April 5), Handel’s Messiah (April 12), Great Women of Music (April 19), Light Classics (April 26), New American Classics (May 3), The Nutcracker (May 10), and The Resurrection (May 17). For more information, visit toledosymphony.com.
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April 2020
Profiles : Bonus Facts
Gardening Gurus
s wanted to… I have alway climate. in a tropical
Alison and Jim Graff share their bountiful harvest
J: Live y. A: Win the lotter
admire What do you in people? J: Hard work. integrity. A: Honesty and t Your proudes t: en m h lis p m acco J: My two kids fabulous friends. A: I have a lot of
By Erin Holden
Alison Graff explains that her husband, Jim, has been a gardener since he began to walk, while she grew to appreciate the charm of flower cultivation during her time in Hawaii, building on lessons she learned from her mother’s love of roses. “Jim had a [vegetable] garden and I was always the helper,” Alison says. “But then, as time went on, I began to work with the vegetables.” Together, they are quite a team, and Alison knows how lucky they are to share a passion that enriches not only their lives, but the lives of their friends, with an enthusiasm that is contagious. “It’s nice to go out to the garden and relax when we get home from work,” says Alison, who owns her own interior design business. “As soon as I walk into the garden, I just totally decompress.” The couple often enjoys a glass of wine in the evenings, surrounded by their lush vegetable garden, bordered with beautiful perennials and shrubs. They are often joined by their neighbors, who can’t help but be drawn to the gardening life. Alison finds that volunteers from the neighborhood love to help by watering, weeding and harvesting when the couple is out of town.
Share the wealth
Jim and Alison don’t sell their produce, instead giving their surplus harvest to neighbors and friends, making gift baskets and leaving vegetables in a
April 2020
cart by their mailbox, out near the road, for anyone to take home. Alison also shares her love of organic gardening by teaching classes on canning, pickling, how to make kombucha and elderberry syrup, fermenting, and more — all of her classes are word-of-mouth gatherings that she refers to as “girls nights out.” The Graff’s garden is a modest size, where Alison and Jim tend to 16 varieties of tomatoes — “everything that can be made with a tomato, we make, from pizza sauce to Bloody Mary mix and everything in between,” Alison says. Jim and Alison are never averse to trying something new, often bringing seeds back from their travels to add new veggies to their garden. “I like to grow foods that I’ve never tried,” says Alison, who started labeling the giveaway-produce by her mailbox when she could tell no one was taking the Russian brown cucumbers she’d just harvested. Brown cucumbers might be off-putting to people who aren’t familiar with the variety, but Alison found them to have a delightful, lemony flavor. It never hurts to broaden your horizons (and your palate). For the Graffs, gardening is not limited by the seasons, not even in the dead of winter. They use their neighbor’s greenhouse, and they utilize grow lights in their garage so they can maintain orchids and “garage greens” year-round. “Another cool thing about gardening is that it’s passed down through the generations,” adds Alison. “Someone shares a cutting with you, and when you see it in bloom it makes you think about that person.”
I have always wanted to… J: Live in a tropical climate. A: Win the lottery. What do you admire in people? J: Hard work. A: Honesty and integrity. Your proudest accomplishment: J: My two kids A: I have a lot of fabulous friends. What is your pet gardening peeve? A: When the birds get my tomatoes! What is something that most people don’t know about you? A: What a warrior I am. J: I used to be a good golfer. What are the words you live by? A: Live every day with gratitude. What inspires you most? A: Food and photography. Generally, learning new things inspires me most. What’s your favorite food that you grow or make? A: (I can cut and make) sushi. (And I am proud to grow) my tomatoes. I live for the first tomato sandwich of the season from our garden. Who do you most admire? A: My husband, Jim, he’s so steady...he’s my rock.
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from dawn till dusk, all year long
June 28
4 pm - 5:30 pm
The Norma Stark Memory Garden & Labyrinth
is designed to be a sanctuary for peace, prayer, meditation, and healing.
Brighten your day with versatile, easy-to-grow flowers By Lori Rose
When I hear the word annual, impatiens always spring to mind. My mother grows monstrous impatiens. Walking from her elegant, austere front yard through the house and out into the back yard makes me feel like Dorothy opening the door to Munchkin Land. We’re talking voluptuous impatiens, curving around the edges of the borders in stunning shades of pale pink through deep maroon, white, purple, lavender and salmon. Mom has the right conditions for impatiens, nice soil, nice shade, and her magic potion: a dose of organic fertilizer every two weeks. My mom’s garden is the perfect example of why impatiens have been, and still are, the most popular bedding plant in North America. They are constantly covered with happy five-petaled flowers from spring to fall, are selfcleaning, and need little more than some shade and sufficient water. Lively and eye-catching, the winsome impatiens live up to their nickname, Busy Lizzie.
Call for reservations or more information
419-351-3268
Each year we grow our own living fence. Giant sunflowers grow to nearly 10 feet tall with heads the size of basketballs. We space them about three feet apart and plant a row of medium-sized (to seven feet) branching types in front of them. Ranging from lemon yellow to deep maroon, even a fluffy “teddy bear” type, they cover the long legs of the giants and fill in the “fence.” Deadheading these multi-stemmed types keep them flowering all season.
Sunflower
Lavatera
Annuals are plants that grow, flower, set seed and die all in one growing season. Here are some annuals that are versatile, easyto-grow, and above all, breathtaking.
Breathtaking, Bold Annuals
345 W. South Boundary Rd. Perrysburg, OH 43551 for more info, please visitNormaStarkLabyrinth.com
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April 2020
Hyacinth Bean Vine
The front row is the lowest, with short two-to-three foot tall sunflowers like Sun Spot, the perfect height for little ones to see and touch. In “sunflower row,” I also sprinkle seeds of red, orange, and yellow mixed nasturtiums. They cover the ground and echo the colors of the bigheaded sunflowers with their little smiles. Nasturtium is a vine that works equally well hanging out of a basket or trailing along the ground. In the shade of sunflowers, the nasturtium will flourish to cover the ground with big leaves and bright flowers. Plant the big seeds either in the garden or in a container, and marvel at how quickly they go from seed to seedling to plant to flower. The lily pad leaves and colorful flowers are both edible and are lovely (and tangy) in salads or sandwiches. Also known as the rose mallow or tree mallow, Lavatera is an oldfashioned cottage-garden flower that never needs deadheading. They love the sun, but will tolerate some light
shade. Try them in containers with other sun-loving plants. Fertilize them lightly for abundant flowering, as too much fertilizer will give you beautiful leaves but not many flowers. Lavatera does self-sow, and it does “come true” from seed, which is a nice thing because it is the color of the flower that stops the show. The color is a perfect clear pink that blends with any other color, rarely clashing with anything, with an unfurling trumpet shape. Lavatera is in the hollyhock family, and the flower looks just like a single hollyhock, but they only grow to about eight inches tall, making them lovely fillers for the front of the border. The Hyacinth Bean vine is also called Lablab. I admired a long line of these vines smothering a fence with their oddly shaped purple-green leaves, bright purple stems, and white, pink and rose-colored flowers. Later in the season, they produced the prettiest satiny purple pods.
We can also do
1 TIME CLEANS!
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April 2020
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Nasturtium You will find that each seed is a different color. The color of the seed forecasts the new vine’s flower color: white seeds give white flowers, buff seeds give pink flowers, and brown seeds give purple flowers. It will grow to 15 feet to quickly cover a trellis or fence, or let it trail for a unique ground cover or in a hanging basket. It is edible, although it does look better than it tastes. Hyacinth Bean loves sun, warm days, and cool mulched soil.
Try one or all of these spectacular annuals somewhere in your garden this season. They are all so easy to grow. They will delight you, and the compliments will be lavish. Lori Rose, the Midnight Gardener, is a Temple University Certified Master Home Gardener and member of GardenComm: Garden Communicators International. She has gardened since childhood, and has been writing about gardening for over 20 years.
Unroll a Garden Flower or Vegetable Variety!
Neighbors will be jealous Why spend the time? Instead just unroll & enjoy the beauty
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Top 10 Tasks When You Are Widowed
Widowhood:
What to Do Both Before and After By Karen Telleen-Lawton A friend of mine became a widow last night. It was a peaceful end to a long and difficult journey. Cindy’s husband was diagnosed with a rare Parkinson’slike disease in his early 50s, and the couple lived through more than a decade of his slow debilitation. Yet even with the sure knowledge of his prognosis, his death brings a mountain of tasks. When I returned home from delivering hugs, tears and a meal, I sent my friend a couple of checklists I’ve compiled to ease the way for survivors to manage the difficult first months after a partner’s death. The first checklist summarizes actions to be done before death. The other checklist is for the newly widowed. Working through these now will help smooth the way when the inevitable happens.
Call in Friends and Family
The single most important lifesaver is calling upon close friends and family for help. Relatives and friends can assist with many of these listed tasks. They can also provide or arrange for meals, babysitting, pet-sitting, errands, and help with funeral details. When you bring together key family members early-on, you have the opportunity not only for comfort but to share information about important decisions that must be made, including funeral arrangements, religious considerations and what is realistic. You may also want to consider what will help each of you heal. This is a good time to discuss whether you need assistance with funeral costs. If so, consider contacting your church, union or an organization dear to your loved one. These organizations also may be able to assist with a post-funeral gathering.
After the funeral, give yourself a little space before tackling the second tier of tasks. These will tail off eventually, but they will wrap up sooner if you are proactive. Incoming mail and email are clues to seeking out necessary organizations to contact, such as medical providers, credit card companies, utility providers, instead of waiting for things to go awry.
Gather Important Records
Go through files, mail and papers to gather in any available information regarding life insurance, investments, and retirement accounts. Close credit card or other accounts that you will not need. Your attorney, financial advisor, and accountant can help you with advice and administrative tasks such as changing titles on accounts and vehicles. List important bills and debts and share this list with the estate’s executor, if that is not you. This will help to settle the estate in the least amount of time. During her husband’s final illness, Cindy gathered six of her close friends, asking us for counsel on a variety of issues from self-care to financials. We were proud of her for coming forward and sharing the troubles that were overwhelming her. A couple of days later, Cindy summoned her daughters. Each daughter held one of their father’s hands, as my friend caught some respite outside the hospital room. Peace and patience warmed the room and time stood still for a few moments. Now that her husband has died, there is barely time yet to grieve. Cindy doesn’t yet feel the relief that comes from no longer being the constant caregiver during her husband’s long illness. That will come, with time and more patience.
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Top 10 Tasks While Your Spouse Is Alive
1. Meet with organ procurement organizations for your area (ask the hospital). 2. Check the “before” list.
1. Compile a short list of close friends and family. 2. Locate and familiarize yourselves with these documents: Social Security cards; birth, marriage, and children’s birth certificates, insurance policies, property title; automobile title and registrations; investment and bank accounts; military documents; income tax and W-2 forms; and debt details. 3. Share each other’s user names and passwords so email and other accounts can be easily accessed. 4. Discuss organ donation. 5. Discuss funeral wishes. 6. Draft your obituary. 7. Research options regarding funeral homes.
3. Deploy close friends-and-family list (6-12 people) for help, including finalizing the obituary, organizing a post-funeral gathering, publicizing the service, keeping a journal of well-wishers (gifts, cards, and donations). 4. Contact funeral home; begin preparations. 5. Secure your property so thieves will not be tempted to rob your home. Lock all doors and windows, turn on your alarm, have neighbors collect you mail and newspapers when you are away. 6. Contact family attorney and executor (if that is not you), accountant and financial advisor. 7. Notify broad friends-and-family group including your attorney, accountant, and financial advisors. 8. Other important items in the first days and weeks: fill out a “mail forwarding” at the post office and obtain a dozen death certificates (Some will need to be notarized.)
9. Fill out an Advanced Directive/ Power of Attorney for Health Care / Living Will , stating your last wishes for medical and emotional care.
9. Other important items in the coming weeks and months: write thank you notes for contributions, cards and donations, contact Social Security, Medicare, insurance policies (medical, life, etc), employment benefits, election board, and IRS.
10. If you have an ex-spouse, review details of your Divorce Decree. If the marriage lasted 10 years, ex-spouses may be eligible for Social Security survivor benefits.
10. If at all possible, DON’T make any big decisions in the first year. You may feel differently about things, and make different decisions when you have settled into your new life.
8. Update your will and estate plan.
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Finance Medicare 101
What you need to know to get started
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By Kyle Alison Cubbon If you are near the age of 64, a Medicare application is required to avoid financial penalties. Seniors must apply for Medicare between 64 years and 9 months of age and 65 years and three months. The application is easy and can be completed online, but the decisions that need to be made to complete the application are not so easy. So, start learning and be informed so you can apply and make those decisions.
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that can guide them through that decision-making process, of what might be best for them,” said Tamy Hagen of Savage and Associates, Inc. “Everybody’s specific need is different. When you’re making a medicare decision, sometimes you’re actually making a decision for the rest of [your] lifetime.” Additionally, many sources for Medicare advisors are online - just do a simple Google search for “medicare Got questions? advisors near me”. Though the application is fairly To sign up for Medicare, you must straightforward, there are a few quesfirst create an account with the Social tions that are regularly raised about Security Administration (www.ssa. Medicare. Here are a few: gov). Later, you will also open a n What are Parts A, B, C, D? MyMedicare account that will have a different user name and password. n What is Original Medicare? Write down your user names and n What is Medicare Advantage? passwords; from experience, we know n Which is better for me? that losing this information causes problems. n I’m not retired so must I get Medicare? The ssa.gov site provides plenty of n What is Medigap? articles and descriptions that attempt Do I need it? to explain Medicare. This site will send you to Medicare.gov. Use the n How much does all months before filing your application of this cost? to review these sites for answers to It is beyond the scope of this article your questions. to answer these questions or explain the Unfortunately, like so many govdetails of Medicare, including its many ernment sites, the information found nuisances, but we will point you to at the ssa.gov and Medicare.gov resources that are helpful and accurate. sites can be difficult to manage and understand. Two sites we found that Finding Answers give solid information in understandIn addition to the sources we sugable terms are myMedicare matters. gest, we recommend you speak with org and Medicareinteractive.org. a Medicare advisor, perhaps someone Both sites are comprehensive, easy to from the insurance agency you use explore, contain search buttons, and for your homeowners, auto and other give links to other sites. Take some insurances? Assistance can be time with these sites and any others found at several area health insurance you find. and financial advisors. “We will sit down and give them at Human help least an hour consultation for free,” said After doing your homework, if Rhonda L. Wise of Beacon Associates. still confused or unclear, try contact“We don’t charge for our services, we ing www.insurance.ohio.gov for an get paid by the insurance carriers by online seminar and other assistance. way of a commission. So they would Lastly, you can make an appointment come and sit with us in our office for a with the local Social Security Adprivate consultation, or they can go to ministration office for in-person help any of our workshops that we provide (expect a long wait for an appointacross the area.” ment.) “They can absolutely give us a call, tell us that they’re looking for help with Medicare, and we have several people April 2020
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Health Managing your Meds
Local pharmacies making life easier By Erin Holden Managing medications can be a daunting task, for yourself or for an aging parent. In addition to prescription and over-the-counter meds, herbal supplements can be added to the mix. With many potentially redundant (and possibly dangerous) combinations in your medicine cabinet, your health and wellness depend on a well-structured routine and reliable resources. Vigilance is key when it comes to medication management, so make sure to communicate clearly, not only with your doctor, but with your pharmacist as well. Pharmacies have tools to keep your meds up-to-date, and pharmacists can even help you save time and money.
Stay organized
Take the guess-work out of your daily routine with compliance packages, which pre-package individual/ daily doses for the whole month or are broken down into weekly packs. It’s so much easier to have your pills separated into packets for morning, noon, dinner and bedtime. Ryan Pharmacy, which has served the Toledo area for over 60 years, offers these compliance packages with a punch-card system for patients to keep up with doses they’ve taken throughout the day. “We package that for them in a no-charge service,” says Ryan pharmacist Keven Secrest. “We understand that it’s a complex healthcare system we live with— medicines change all the time, the names are confusing, dosing schedules can be unclear— if we take over that service for the patient, we work with their doctors to make sure [the patient] is getting the correct medications.” At Ryan Pharmacy, patients can undergo Medication Management Therapy
(MMT), a consultation service during which a pharmacist discusses prescribed medications with a patient, and keeps records of that information so that it can be printed out clearly for them to reference. These MMT sessions can be done over the phone or in an in-person interview.
Automatic refills
Opting for automatic refill notifications is another helpful way to stay on track, but you’ll want to make sure that the refills you’re getting are still needed. For example, you might have several refills on pain meds that you feel you no longer need, leaving you with a cabinet full of pills that may become a burden to dispose of responsibly. Of course, make sure to consult with your physician before making any changes in the prescriptions you are taking. Synchronization programs like the one offered at Kahler Pharmacy can make things easier when it comes to refills. You can get all of your prescriptions filled on the same day, even if you receive a prescription halfway through your regular cycle of meds.
price issue,” explains Tabb, adding that it is important to learn about what is the cheapest, but most effective, option. While consultations with your pharmacist don’t take the place of communicating with your doctor, they are often much more immediate and equally helpful. “Patients often say that we’re easier to get ahold of than doctors,” says Tabb. “We get calls about over-the-counter things and herbal medicines, especially during cold season.” As Tabb points out, opting for a local pharmacy also has some advantages over larger chains. “Some chains have floating pharmacists and high turnover,” explains Tabb. “We get to know you and the whole family.” This familiarity makes it easier to stay consistent. Plus, local pharmacies generally have comparable resources, like apps and websites that provide information on your medication, online refills and more. For instance, if you’ve forgotten the purpose of one of your medications, Kahler’s website has a convenient search tool that can help.
Avoid complacency
The value of consultations
Consultations, both over the phone and in person, are an invaluable way to stay informed about the pills you’re taking. It’s also a good way to know if there are alternatives to taking pills, like liquid options if that works better for you. You might also find yourself struggling to pay full-price for a medication that is very necessary for you to take. Kahler Pharmacy owner Nicholas Tabb always lets customers know about generic options. “We never want to see someone not taking their medications because of a
It’s easy to fall into a rut, not questioning the benefits or the continued need for pills you’ve been taking for a long time, as well as how much you’re spending. Take the time to meet with your pharmacist, or simply give them a call to see what programs and helpful scheduling options they offer. From free deliveries and organizational tools to educational resources and cheaper prescriptions, you’ll likely be surprised at what a difference it can make.
Health Notes VIRTUAL SUPPORT GROUPS You might not be able to gather in person, but you can still find community comfort through virtual support groups.
NAMI GREATER TOLEDO
is offering select virtual support groups, including the Family Support Group and the Peer Support Group meetings. For more information, visit namitoledo.org or facebook. com/NAMIGreaterToledo.
THE NORTHWEST OHIO CHAPTER OF THE ALZHEIMER’S ASSOCIATION is offering a weekly phone-based support group for caregivers of individuals with dementia and Alzheimer’s disease. Registration is required. For more information, call the NWO Alzheimer’s Hotline at 800-272-3900 or visit alz.org/nwohio.
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le’s KyKITCHEN Bagels 101
Boredom-busting baking By Kyle Alison Cubbon My husband and I are in “that” age group, so we have stayed home since March 14 trying to avoid the coronavirus. Since I love to cook and bake, I’ve been spending a lot of time experimenting in the kitchen. My most recent undertaking was bagels. The kneading builds your muscles and may count as a work-out! Give them a try. They are delicious!
10 1. Mix together 3 1/2 C bread flour and 1 1/2 teaspoon salt and then ma ke a well
1
2
4
3
5
in the center of this mixture.
2. Sprinkle 2 teaspoons yeast and 1 1/2 Tablespoon sugar over 1/2 C wa rm water and let stan
d 5 minutes, then stir.
3. Pour 1/3 C warm water into the well in flour/salt mixture and then add yeast mixture . Mix until a moist, firm dough form s (may need up to ¼ C more warm water) and then knead until a smooth and elastic dough forms— about 10 minutes. (You can use a stand-up mixer if it is a strong one— this is a dense dough and can be ver y hard on a mixer’s motor.) 4. Place dough ball in an oiled bowl. Cover with a wet towel and place in a warm spo t until the dough ball doubles— about 1 hour. (Ma ke a warm place by heating the oven to 175 degrees. Turn off the oven before adding bagels and use a wo oden spoon to block the oven door slightly.)
6
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8
5. Punch down the dough and form into 8 balls. 6. Stick a finger through the bal ls making bagel shapes by stretching the ring. (I sho uld have rolled the dough into better balls for mo re beautiful bagels, but that is not a taste issue.) 7. Place bagels in boiling water for 1 -2 minutes per side (longer time makes chewy bag el). 8. After boiling, brush with egg wash (1 egg + 1 T water) and sprinkle toppings on bagels. 9. Bake at 425˚ degrees for 20 minutes. 10. Cool on a wire rack. Thank you to sophisticatedgourmet.com for this
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recipe
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Walking in Clover
A Clover Lawn Can Save Time, the Environment By Julie Pompa
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for all these years. So, when our small front lawn needed to be replaced, it was natural to try clover.” She worked with Neville Landscape and Tree Service, Holland, to design and install the clover lawn at her Old West End home. Just days after it had been sown, and with only three days of initial watering, the clover had sprouted. “This is my second clover lawn installation in this area in the past six months,” said Neville Landscape Manager Tom Kistner. Clover is a good choice in many situations, because it’s a quick germinator with a compact, even growth. Clover lawns are green throughout the year, are soft to the touch (or foot) and are a sustainable choice. “Although there are more than 200 varieties, white and dwarf clovers are most preferred for lawns, because they don’t grow much taller than five to six inches,” he said. He used a dwarf White Dutch Clover in Carol Cribbs’ lawn.
The pros for replacing grass with clover
The arguments for selecting clover over traditional grass are compelling: Clover fertilizes itself and the areas around it. Clover is a nitrogen fixator. It takes nitrogen from the air and deposits it in the ground as an absorbable fertilizer. Clover can be grown in hot or cool, wet or dry conditions. Clover is extremely drought resistant and will keep its green color even during the hottest and driest parts of summer. It performs well in sunny and part shade areas
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and can be used in heavier shade when spread in more concentrated mixtures. Clover is a good value. Seed costs are low (about $4.00 per 4,000 square feet), it requires no fertilizer or pesticide, and water and labor costs are lower. Clover needs very little mowing, if at all, and can go for two to three years without re-seeding. Clover’s flowers are an effective pollinator for bees, but homeowners who don’t want the bees around can simply mow when flowers appear. Clover can also be overseeded into an existing lawn. It grows well in areas where grass is difficult to grow, and it remains green when the rest of the lawn is dormant. Its nitrogen fixating will improve the health of the surrounding plantings and may reduce the amount of fertilizer needed. Amy Stone, Extension Educator at the Ohio State University Lucas County Extension, said that clover could be a good addition to your lawn, especially for areas without a lot of foot traffic. “I promote diversity and not a monoculture, even with lawns,” she said. “I always suggest a mix of different species, so if something fails, there is something else to compensate.” Cribbs says that her new clover lawn is a “beautiful canvas to work with.” She’ll balance the area with herbal ground covers around the lawn. “We all need balance, that’s what I tell people,” she said.
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Scene
13th Annual Fashion Show Luncheon
PHOTOS BY CHRISTINE SENACK
This year’s Victory Center fashion show, themed “Rockin’ Ruby,” highlighted wares from local boutiques and featured inspiring words from those winning the battle against cancer.
er, Debbie Katich, Linda Baumgartn d Alison Neiman. an Michelle Nieman
Tammy linowski, Janet Ma Linker. ra e and Ta k fs o n is W
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