Marion Healthy Living July 2018

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These furry friends need fur-ever homes

SUMMERTIME COOLDOWN — COOL TREATS FOR THE SUMMER HEAT
MARION
Paws itively Love Your Skin! A Weekend of Wellness Lovable

NEXT-GENERATION TECHNOLOGY, AVAILABLE TODAY — JUST FOR YOU

#DetectionSpecialists

localize abnormalities and changes in their earliest stages. This safe, painless test produces comprehensive views of bones and joints, and all images are read in-house by our Board Certified radiologists, for an extra measure of precision and quality. For the highest degree of accuracy, go with the practice trusted by local clinicians – RAO.

We are proudly contracted with a variety of insurances and file all claims with the exception of non-contracted HMO's. Please visit our website for a detailed list of who we are contracted with. Contracted insurances are subject to change.
ACR Accredited - Nuclear Medicine NUCLEAR MEDICINE
MEDICAL IMAGING CENTER AT WINDSOR OAKS
Fredric C. Wollett, MD; Ryan K. Tompkins, MD; Brian P. Cartwright, MD Marion County’s only full-service imaging center, providing a full circle of care - centered on you.
MARION in Numbers 120,000readership 10,000printed copies 70rack locations There’s POWER Tap into Healthy Living Magazine to maximize your reach to customers in Marion County. Our pages get in front of your target markets and then some! Our numbers speak for themselves... Call today 352-732-0073 Available in hundreds of area waiting rooms, restaurants, libraries, retail stores, medical o ces, hospitals, government buildings, the Paddock Mall, country clubs, downtown Ocala and hundreds of additional locations.
2 healthyliving magazines.com JUL ’18 • Co-ed, 24-hour club access • Reciprocity at all Anytime Fitness clubs • Secure, clean environment • State-of-the-art equipment anytimefitness.com STEEPLECHASE PLAZA 8585 SW State Rd 200, #17 Ocala, FL 34481 352-237-8335 BERKSHIRE/KOHLS PLAZA 3930 SW 42nd St., Suite 103 Ocala, FL 34474 352-237-1848 SWIMSUIT SEASON IS HERE! NEED TO GET YOUR BEACH BODY BACK? CALL US! Affordable Luxury Living... You Deserve It! Retirement Living At Its Best • Chef-prepared dining twice daily • Housekeeping and linen service • Full-service beauty salon and barber shop • Monthly rental, including utilities • Outings and daily engaging activities • Membership to AJ’s Fitness Center is included! Not-For-Profit Provider 3211 SW 42nd Street, Ocala, FL 34474 352-237-7776, Ext. 254 www.hawthornevillageofocala.com Call today for a complimentary lunch or dinner tour! Sheila Noroozi, DPM, FACFAS Family Foot and Ankle, LLC Diplomate, American Board of Podiatric Surgery Board Certified in Foot & Ankle Surgery Dr. Telusma Dr. Noroozi WE NOW HAVE DIGITAL XRAY ON PREMISES 2825 SE 3rd Ct. Ocala, FL 34471 352.867.0024 www.FamilyFootAnkle.org Treatment of Common Ailments such as Bunions, Hammertoes, Heel Pain, Fractures, Sprains, Athlete’s Foot, Neuromas, Tendonitis Ankle Arthroscopy Laser Foot Surgery Sports Related Injuries Children’s Foot Care Custom Orthotics

› PAGE 5

› 6 What to do this month.

› 7 A place to turn to.

› 8 All around town.

› 10 Don’t call it arthritis.

HEALTHY

› PAGE 11

WELLNESS | FITNESS | BEAUTY

› 12 A summertime staple.

› 13 Earth-friendly beauty.

HEALTHY vibe

› PAGE 37

› 38 Buzz o (naturally).

› 40 A shoulder to cry on.

FISCAL

› PAGE 43

INSIGHT | ADVICE | SOLUTIONS By Laurel Gillum & Lisset

› 44 It’s never too late to save.

› 46 Homeowner help.

› 48 Time for credit?

JULY 2018 PAGE 03 on the cover photographer: John Jernigan model: Sky on location at: Marion County Humane Society SUMMERTIME COOLDOWN — COOL TREATS FOR THE SUMMER HEAT Paws itively Love Your Skin! A Weekend of Wellness Lovable MARION These furry friends need fur-ever homes friends for life › PAGE 26 Make a life-changing di erence when you adopt a pet. › By Cynthia McFarland a relaxing respite › PAGE 16 Wellness-inspired vacations can make a powerful impact on both your health and overall well-being. › By Cynthia McFarland sweet summer treats › PAGE 22 Frosty eats to beat the summer heat. › By Cynthia McFarland healthy skin simplified › PAGE 32 Just like a healthy body depends on what you feed it, healthy skin depends on what we treat it with each day.
be an insider! Here’s your link to July’s giveaway. https://woobox.com/ybwkst (Ends 7/21 at 12pm.)
› By Katie Benscoter
HEALTHY beat
TRENDS | NEWS | PEOPLE
body
MIND | HOME | LIFE
fitness

PUBLISHER Kathy Johnson kathy@healthylivingmagazines.com

OFFICE/PRODUCTION MANAGER

Cynthia Brown art@healthylivingmagazines.com

EDITORIAL

EXECUTIVE EDITOR

Karin Fabry-Cushenbery karin@healthylivingmagazines.com

MANAGING EDITOR

Melissa Peterson melissa@healthylivingmagazines.com

SOCIAL MEDIA SPECIALIST

Vianca Torres vianca@ocalastyle.com

FOOD & LIFESTYLE CONTRIBUTOR

Robin Fannon

CONTRIBUTING WRITERS

Jim Gibson

Laurel Gillum

JoAnn Guidry

Bonnie Kretchik

Cynthia McFarland

Katie Benscoter

Nick Steele

Sean Trapani

EDITORIAL INTERN

Lisset Lanza

ART art@healthylivingmagazines.com

CREATIVE DIRECTOR

Jessi Miller

GRAPHIC DESIGNER

Kristy Taylor

PHOTOGRAPHERS

John Jernigan

Sheila Hartley

Ralph Demilio 123rf.com

SALES

DIRECTOR OF SALES

Dean Johnson deanjohnson@healthylivingmagazines.com

SALES MANAGER

Sharon Morgan

ACCOUNT EXECUTIVES

Evelyn Anderson

Skip Linderman

Peggy Sue Munday

Cecilia Sarco

Lori Tani

Crystal Gale Tronnes

DISTRIBUTION

Dave Adams

Debra McQueen

Rick Shaw

ADVISORY BOARD

HEALTHY LIVING MAGAZINE has brought together a group of medical experts and community leaders to serve on our advisory board and share their expertise and insight with our readers.

Christy Jergens, APR Public Information O cer

FLORIDA DEPARTMENT OF HEALTH IN MARION COUNTY

Nicolas Blaser Vice President – Business Services O cer

BB&T

Michael Holloway, M.D. Physician-Directed Weight Management & Medical Aesthetics

LIFESTYLE SOLUTIONS MEDSPA

Mark Jank, M.D. Ophthalmology

OCALA EYE

Ashley Cauthen, M.D.

Cosmetic And Clinical Dermatology MIDSTATE SKIN INSTITUTE

Brittney Marthaller Director, Marketing & Public Relations

OCALA HEALTH

Kristina Donohue Director of Mission Advancement THE CENTERS

Derek Farr, D.O. Orthopedic Surgeon TWIN PALMS ORTHOPEDICS

Navinderdeep Nijher, M.D. Plastic Surgery

OCALA PLASTIC SURGERY

Chris Okonkwo, M.D. Pediatrics

CHILDREN’S HEALTH OF OCALA

Cindy Grow, DNP, ARNP, AGPCNP-BC

Adult & Geriatric Integrative Medicine

PATIENT CENTERED HEALTH CARE & WELLNESS

Jayanti Panchal, M.D. Internal Medicine and Medical Weight Management

SUCCESS BY DESIGN

4 healthyliving magazines.com JUL ’18 MARION
O CALA PUBLICATIONS, INC. o: 352.732.0073 › f: 352.732.0226 1007 E. Fort King St., Ocala, FL 34471 healthylivingmagazines.com HEALTHY LIVING MAGAZINES / JULY 2018 / VOL. 6, NO. 7 Published monthly by Ocala Publications, Inc. All contents © 2018 by Ocala Publications Inc. All rights reserved. Nothing may be reprinted in whole or in part without written permission from the publisher. For back issues or advertising information, call (352) 732-0073. Return postage must accompany all unsolicited manuscripts and artwork if they are to be returned. Manuscripts are welcomed, but no responsibility can be assumed for unsolicited materials. “Promotional” and “Promotional Feature” denote a paid advertising feature. Publisher is not responsible for claims and content of advertisements. OCALA MARIONCOUNTY CHAMBER&ECONOMIC PARTNERSHIP (Kerning50pt) MOVING FORWARD MOVING FORWARD MOVING FORWARD COLORS FONTS GREYSCALE LOGOS TAGLINE & ARROW OcalaPublications
05 Sources: worldemojiday.com , onlinelibrary.wiley.com , thenextweb.com

day by day

Fun events, helpful tips and monthly to-do’s for July

Sign up for the Big Hammock Race Series: Race #1 RockStar Virual 5k Race, presented by iDeploy

Back to the Future at The Marion Theatre (Through July 5)

Water aerobics

Grocery shop for shrimp, pasta and bread.

Make shrimp scampi with angel hair pasta and garlic bread for dinner.

Read for 30 minutes with your kids.

Independence Day

Iggy’s “Four on the Fourth” Freedom Run at Veterans Memorial Park in Ocala

Make plans to attend the Levitt AMP Ocala Music Series tomorrow night. (Every Friday through August 17)

After Dark in the Park Movie Series: Wonder Woman at Jervey Gantt

Play a game of tennis at the Fort King Municipal Tennis Center.

Chair Yoga at Blissful Life Corporation (Every Wednesday at 10:30am)

Pressure wash pool deck and clean leaves from pool.

Host an outdoor dinner party, and serve watermelon margaritas. (See recipe below.)

Swim at the Jervey Gantt Aquatic Fun Center.

Water aerobics

Bird watch with the family at Sholom Park.

The Princess Bride at The Marion Theatre (Through July 19)

Make s’mores and stargaze with the family.

Line Dancing at the Forest Community Center at Forest Community Center at Sandhill Park (Every Wednesday, 6-8p)

Cops, Kids and Firefighters Day at Martin Luther King Recreation Complex

Change batteries in fire alarm and carbon monoxide detector.

Take a bike ride through the Santos Trailhead.

Water aerobics

Visit Juniper Springs in the Ocala National Forest.

Vacuum high-traffic areas.

Host a kickball tournament with friends and neighbors.

Water aerobics

Switch to energyefficient lightbulbs throughout house.

Learn how to change a flat tire.

Make plans to attend tomorrow’s annual Back to School Bash at the E.D. Croskey Recreation Center

2018 Ocala Latin Music Festival at Citizens’ Circle

summer ips: watermelon margaritas

Long, hot summer days call for long, cool sips. Try out this margarita recipe for your newest summer

cup white sugar

cup water

strips orange zest

cups cubed seeded watermelon

cup white tequila

cup lime juice

salt or sugar for rimming glasses (optional)

lime cut into wedges cups crushed ice, or as needed

Bring 1/2 cup sugar, water and orange zest in a small saucepan to boil, stirring constantly. › Simmer until sugar is liquified. › Remove simple syrup from heat, and cool. › Place watermelon in a blender until puréed. › Stir watermelon purée into a large pitcher with simple syrup, tequila and lime juice. › Pour salt or sugar into a saucer. › Rub edge of margarita glasses with a lime wedge to moisten. › Dip the rim of the glass into the saucer to rim the glass, and tap o any excess. › Fill rimmed glasses with crushed ice. › Pour margarita mixture into glasses, and garnish with lime wedges to serve. › Enjoy!

*To register for Ocala Health events, call (800) 530-1188 or visit OcalaHealthSystem.com

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communication as cancer medicine

“What does this mean? How is my life going to change? How will we cope?”

Many things accompany a diagnosis of cancer. But for most people, the most overwhelming part of the diagnosis are the myriad questions that immediately come to mind and the communication challenge of finding answers to them.

The urgency of answering these questions is not limited to the patient, their families or their survivors. Each new cancer diagnosis in a community places an immediate and often longterm burden upon the network of caregivers who are there to help.

“What services are in demand right now? Does my sta have the appropriate training? How do we best respond to the needs of our community?”

In other words, often the first thing that is needed is a communication network that interconnects cancer patients, families, professionals and survivors.

Fortunately, for the people of Ocala, The Villages and the communities in between, there is the Cancer Alliance of Marion County (CAMC).

The CAMC is an organization that, in addition to o ering guidance on cancer screening and prevention, helps patients,

their families and professional caregivers find free, faster answers to many of the most pressing questions of a cancer diagnosis.

For patients and caregivers (“community members,” as noted on the website), the CAMC’s services are encapsulated into a monthly, information-dense newsletter. This newsletter is designed to keep people aware of community resources, such as classes, treatment sources and other news of interest to families facing the ordeal of cancer.

When one joins (membership is free) the CAMC, they are also asked if they would be interested in volunteering, fundraising or speaking to others facing similar challenges, providing

many opportunities for people to participate in the local community of caring.

For people who work directly or indirectly with those facing cancer, there is a separate option to join as a professional member (also free). For this audience, the CAMC works to create networking opportunities and other solutions for helping local cancer-care professionals learn from each other. Members will also receive a professional newsletter with content specifically tailored for them.

Both community and professional members can sign up for their free accounts by visiting the CAMC homepage at CancerAllianceMC.org. To learn more about the organization outside of the scope of membership, reach out to Amy Roberts, a licensed clinical social worker who oversees the CAMC’s site, at (352) 732-0277

JUL ’18 › healthyliving magazines.com 7 beat HEALTHY GOOD DEEDS
The Cancer Alliance of Marion County aims to provide information when needed the most.
By Sean Trapani

ocala style women’s expo

On May 20, Ocala Style hosted its first annual Women’s Expo, presented by Joan Pletcher Real Estate Network. The event featured more than 100 vendors, food samples, panel discussions and speakers, hands-on demonstrations, a shopping marketplace and more. The money raised through ticket and raffle sales benefitted Ignite, a local women’s organization dedicated to eradicating domestic violence in Marion County.

8 healthyliving magazines.com JUL ’18 beat HEALTHY OUT & ABOUT
Photos by Crys Williams @ The Klein Center at the College of Central Florida April Hahn and Angela Russo Julie Green, Cody Terrell, Adam Bryniarski and Brooke Littrell Caren Francis and Barbara Kilroy Pauline Hartogh and Joan Pletcher Melissa Tuttle, Nancy Lincoln and Dyan Bock Julia Cruz and Eleanor Martin Kimble Jones and Lizbeth Gennaro Emily McGuire and Lauren Gibson Jessica Medina, Francis Galvez, Brenda Galindo and Liliana Barajas
JUL ’18 › healthyliving magazines.com 9
Denise Ellis and Pam Bonner Skyler Salva and Kellye Reyes Aubrey Novy and Falon Rogers Elisha Lopez and Giselle Gomez Charisse Rivers Smith, Debra Dominy and Mary Pope Sheila Hartley and John Jernigan Angel Deaon, Pooja Patel and Nicole Lemieux Yina Orejuela and Arielle Snyder Meagan Gumpert and Tiffany Loughlin Sienna Rhys-Jones, Amber Swinehart and Victoria Sutherland Freda Bowser and Desiree Adkins

to Shands [where Oliva was diagnosed].”

SJIA is not what one would expect. Children with SJIA will show symptoms of the disease in the form of rashes and intermittent fevers, with a child’s temperature fluctuating wildly in short periods of time.

“She [Olivia] would have a 102 temperature and then, a couple of hours later, be back to normal or even lower,” says Danny, Olivia’s father.

Olivia’s form of the disease, Systemic JIA, is the most serious form of JIA and is sometimes called Still’s disease. As a toddler, she had to endure painful, daily injections for nearly a year (from ages 18 months through 2.5 years). Her parents would have to hold her down while Olivia howled in pain. It was a challenging time for the entire family. And it still is.

“It’s still hard,” confesses Samantha. “Her crying wakes us up many mornings. I woke up this morning in my daughter’s room because she had a hard time sleeping.”

Olivia’s disease is particularly challenging in that, not only do the parents and children have to su er, but the name of the disease itself often invokes confusion to those who hear it.

don’t call it arthritis

Ten fingers. Ten toes. And a working immune system. It’s a modest desire for any new mom or dad. But for the parents of Olivia Armas, the universe had other plans. › By

Olivia Armas has the unfortunate distinction of having developed a rare condition called SJIA, or systemic juvenile idiopathic arthritis, an auto-immune disease that tricks the body

into attacking its own tissues and organs.

“Olivia was diagnosed at 10 months old,” says Olivia’s mom, Samantha. “We were lucky that our pediatrician, Dr. [Kenneth] Morse, spotted symptoms early on and referred us

“People hear the word ‘arthritis’ and think, ‘oh that’s some bone or joint issue that only old people get,’” says Danny. “But Olivia’s never had a bone or joint issue. It’s all in her organs.”

With July being Juvenile Idiopathic Arthritis Awareness Month, the Armas family hopes that more people will learn about the disease so that they can get help sooner. One good place to start would be at the National Institute of Health site, which can be found at https://bit.ly/2Jjdma7.

As for her own daughter’s journey, Samantha hopes her personal blog will someday provide comfort for an older Olivia. But Samantha also invites others to view her journey, as well.

To read about Olivia’s journey, visit OliviaOliveBottom.blogspot.com

10 healthyliving magazines.com JUL ’18 beat HEALTHY PEOPLE
NUTRITION FITNESS BEAUTY HEALTHY PAGE 11 good eats: Lighten up by ordering one of Pronto Pizza’s many delicious entrées over spinach instead of pasta or try a gluten-free pizza. Dine-in, carry out or delivery is available. — famousprontopizzafl.com or (352) 671-8222
Photo by John Jernigan

wonderful watermelon

Warm temperatures and watermelon go together like peas and carrots! Not only is it refreshing and delicious, it also gives a potent nutritional kick. Here is a shortlist for some of its important health benefits.

› Low in calorie

› Hydrating due to its high water content

› Fights inflammation

› High antioxidant content

› High lycopene levels, which gives it beautiful color

› Vitamin A (beta-carotene)

› Vitamin C for improved immune function

watermelon alad

A light and delicious salad with watermelon, feta cheese and fresh mint tossed with a simple dressing.

Approximately 6 cups seedless watermelon, chilled and cubed

1⁄4  cup extra virgin olive oil

2 tbsp Balsamic glaze (optional)

Juice from 2 limes

1 pinch Himalayan pink salt

1 tsp black pepper

1⁄2  cup fresh mint leaves, chopped

1 1⁄2  cups crumbled feta cheese

Mix all ingredients in a large bowl, and toss gently with the dressing. › Serve chilled. › Serves approximately six people in 1-cup servings.

› Relieves pain and muscle soreness

› Natural diuretic, and helps flush kidneys

› Soothing to gastrointestinal and digestive tracks

Although is tastes delicious just as it comes, watermelon can also be incorporated into creative salad combinations. Much like cucumber, it can be a soothing counterpoint to spicy food. This watermelon, feta and mint salad is about as easy as it gets and looks absolutely gorgeous on your summer tablescape!

12 healthyliving magazines.com JUL ’18
Robin Fannon is a New York culinary school-trained chef and a successful party planner with decades of experience. You can visit her popular blog at rsvprobin.com for healthy recipes, party tips and lifestyle articles. Or check her out on Facebook or Instagram. rsvprobin.com
body HEALTHY RSVP ROBIN

natural beauty

As a consumer, it’s important to know what you’re buying. When you purchase food, you know that what you buy will be put into your body, and you’re mindful of the way food can a ect it. The same thing can be said for beauty products. Your skin loves healthy nourishment, and organic, fairly traded ingredients aren’t just beneficial to you. They help the environment, too. Read on to learn about products that pass the test, performance-wise and ingredient-wise.

TARTE

LUSH

Lush Cosmetics is a leading company in the fight for ethical consumption. Lush’s products are handmade, fresh and eco-conscious, down to the recycled packaging. They boast a 100 percent vegetarian line with more than 80 percent of products being completely vegan. Lush emphasizes the importance of conserving ecosystems by denouncing the use of palm oil, a highly destructive ingredient sourced from palm trees. Palm oil plantations are responsible for deforestation and the forced migration of indigenous wildlife and people. Lush’s lineup has something for everyone, from bath bombs to hair care. The detoxifying face mask contains kaolin clay, soothing honey, exfoliating ground aduki beans and cooling peppermint oil, delivering a tingly deep clean for troubled skin.

Lush Mask of Magnaminty, $15 lushusa.com

Tarte Shape Tape contour concealer is a cult favorite, and for good reason. This long-lasting concealer is thick enough to be used under eyes or on blemishes without looking streaky. This product is vegan and cruelty-free. Ingredients include mango seed butter, rich with vitamins, and licorice root extract, responsible for the brightening e ect of the product. Tarte does not test on animals, and their cosmetics are formulated without synthetic fragrances, parabens and mineral oil, among other chemicals.

Tarte Shape Tape contour concealer, $27 tartecosmetics.com

They have a knack for using some of the freshest, most natural ingredients around: think coconuts, avocados and watermelons. You’ll find a long list of hydrating oils, including grape seed, jojoba and orange peel. Milk is all about no fuss, multi-use products. If this interests you, try their Lip + Cheek stick, which provides a blush that can be applied with one swipe for a sheer wash of color or built up for more impact. It’s used the same way as a lip stain.

Milk Makeup Lip + Cheek Stick, $24 milkmakeup.com

KISS MY FACE

MILK MAKEUP

Milk brings a refreshing new spin to makeup, with ultra-cool modern packaging and mattes, metallics, glosses and holographics. As an added bonus, their entire line is now completely vegan.

Hydrating, antioxidant rich and nutrient packed, Kiss My Face body lotions are just a sample of the wide range of cruelty-free products o ered. The brand was founded by two vegetarian men on a mission to provide products that o er both e ectivity and high-quality ingredients. Plant-based ingredients are only part of their commitment. Their brand is economically friendly and loved by many for the transparency and activism shown since their establishment in the green marketplace.

Kiss My Face olive & aloe body lotion, $10

kissmyface.com

JUL ’18 › healthyliving magazines.com 13 body HEALTHY
Feeling beautiful shouldn’t have to come with a cost to the environment.

Safety Comfort&

Tenants of The Estates of Hawthorne Village of Ocala enjoy independent living on their own terms.

For an energetic, independent person like Jetta Hanover, 92, living in her own house was something she’d done for years. But after she’d had a few falls, her daughter, Gigi, was concerned about her living alone.

“She found this place, and I couldn’t ask for anything better,” says Jetta, who moved into The Estates in January 2018.

Originally from Maine, Jetta has lived in Florida since the 1950s and has been in Ocala for about a year. Gigi is her youngest of five children and also lives in Ocala.

Jetta’s one-bedroom, ground-floor apartment home is comfortably furnished with pieces that have special meaning for her, including her father’s wingback chair and another chair that belonged to her mother. A tall curio cabinet is filled with family crystal and cherished mementos.

An avid crafter who regularly sold her wares at craft shows, Jetta continues to stay busy working on various creative projects. Although she doesn’t have the upkeep of a large yard any longer, she enjoys her plants and has a great variety of them in a container garden on her beautiful screen-enclosed patio.

“When I moved here, I realized I was ready for what they o ered and to have people around me,” remarks Jetta. “They have empathy for older people; they’ll listen to you, and I appreciate that. All I can tell you is, whoever lives here is lucky. There’s a whole calendar of activities, so if you’re not busy, it’s your own fault.”

Jetta loves being able to have lunch and dinner in the Estates’ dining room every day.

“I’m spoiled,” she laughs. “Why would I want to cook anymore? The food is so fresh, and the desserts are sinful!

“I thank God every day that my daughter found this place. It’s the best thing she ever did for me,” says Jetta. “She doesn’t worry about me anymore.”

No Homeowner Worries

For most people, there comes a time when they want to relax and just enjoy life without the time, e ort and financial responsibility of maintaining a house and property.

“We had a three-bedroom house on an acre in Dunnellon where we’d lived for 31 years,” says Phil Hapgood, 86, a 22-year Air Force veteran.

Phil and his wife, Carol, 83, who have been married for 61 years, both felt it was time to downsize.

“It was time to move into Ocala and get closer to doctors and hospitals,” notes Phil. “We moved when we could and wanted to rather than waiting until we had to.”

PROMOTIONAL FEATURE
Jetta Hanover

After visiting a number of apartment complexes and independent living communities, they chose Hawthorne Village of Ocala and moved into The Estates last November. They particularly liked the fact that it o ers a complete array of care: independent living, assisted living and full care, if and when it should be needed.

Because Carol’s on oxygen full time, during Hurricane Irma last year, the Hapgoods had to go to a shelter to be sure there was power. Knowing that Hawthorne Village has its own generator has

The Hapgoods have three sons, four grandchildren, one greatgrandchild and another on the way.

“We see our two sons who live in Ocala and their families at least once a week,” says Carol. “Our kids like the safety of us being here.”

Phil says the biggest benefits are peace and quiet, comfort and safety—and not having to worry about being a homeowner anymore.

All-Inclusive, Worry-Free Living

Hawthorne Village of Ocala is a not-for-profit, full-service retirement community, conveniently located near Paddock Mall, major health care providers and a variety of cultural and historical venues. The Estates of Hawthorne Village o ers exquisite apartment homes for the independent retiree who seeks an active lifestyle with an all-inclusive monthly rent. Worry-free and maintenance-free living awaits you at The Estates, as weekly housekeeping and linen service, two restaurant-style meals per day, transportation to medical appointments and scheduled lifeenrichment activities are just a sampling of what is available to tenants. The Inn at Hawthorne Village of Ocala is a lovely, homelike setting for individuals who need assistance with daily self-care in a supportive and attractive environment.

As part of a full-service retirement community, Hawthorne Village of Ocala provides a full spectrum of care to meet all your health care needs, including a state-of-the-art inpatient and outpatient Bounce Back Rehab and skilled nursing—all of this, on one beautifully manicured and easily accessible campus.

brought them both peace of mind.

“We won’t ever have to move again, and if something happens to either one of us, we’re already settled,” says Carol. “To me it’s like going back to our years in the Air Force when you lived on base and had people around; it feels like going home. We really like the people who live and work here. Everybody’s friendly.”

Although the Hapgoods still have their own car, they’ve also taken the Hawthorne shuttle to various activities around town.

“We’ve always stayed pretty busy, and we still are,” says Phil, who continues to golf once a week. Both Phil and Carol enjoy the various activity options and especially like the on-site community educational programs that focus on health topics.

JUL ’18 › healthyliving magazines.com 15
FOR MORE INFORMATION ABOUT THE ESTATES: HAWTHORNE VILLAGE OF OCALA 4100 SW 33RD AVE., OCALA HAWTHORNEVILLAGEOFOCALA.COM (352) 237-7776 , EXT. 255
Phil and Carol Hapgood

Wellness-inspired vacations can make a powerful impact on both your health and overall well-being.

16 healthyliving magazines.com JUL ’18

Too many of us have returned home feeling like we need a vacation from our vacation. Rich food, late nights, sore muscles, tired feet, too much vino, not enough sleep. If that sounds familiar, you may be one of the many travelers looking to make your next getaway a “wellness/ fitness vacation.”

Wellness tourism is one of the fastestgrowing sectors of the travel market and covers a wide spectrum. Guests choose such vacations for a variety of reasons, ranging from learning a new sport and dealing with stress to getting on the right track for a healthier lifestyle.

A true wellness vacation is far more than just having a couple of spa treatments. Instead, it encompasses a complete experience that enhances your physical, mental and emotional well-being. This is the kind of getaway that will leave you rejuvenated and inspired—and send you home with healthful tips and ideas that you can incorporate into your daily lifestyle.

Read on to discover four distinctly di erent destinations, then pull out your calendar and start making plans for a vacation you won’t have to recover from.

Mountain Wellness Escape

When you need to stop the world and escape from the incessant demands of regular life, Dahlonega Spa Resort is the perfect spot.

Nestled in the picturesque foothills of Georgia’s Blue Ridge Mountains, Dahlonega Spa Resort is situated on 72 serene acres near the historic town of Dahlonega, the site of Georgia’s first gold rush back in 1828. That was then; this is now. Today, Dahlonega is known as the “Heart of Georgia Wine Country” and the “Wine Tasting Room Capital” of Georgia. Guests at Dahlonega Spa Resort can enjoy delicious award-winning wines in spectacular locations at five di erent vineyards situated less than four miles from the resort.

In search of tranquility and rejuvenation? You can find it here in abundance. The lush grounds and cozy accommodations amid

Dahlonega Spa Resort

scenic mountain settings help quiet your mind and restore your focus.

The resort o ers a diverse schedule if you’re looking for a specific type of getaway, with a variety of yoga retreats o ered, so be sure to check the calendar when booking.

One popular, all-inclusive option is the 3-Night Mind+Body+Spirit package, featuring accommodations for three nights, all meals, a $200 spa credit and three yoga classes

Another best-seller is the 2-Night Wellness Getaway, which includes

JUL ’18 › healthyliving magazines.com 17
Photos courtesy of Dahlonega Spa Resort

Seagate Hotel & Spa

accommodations for two nights, all meals, a $100 spa credit and two yoga classes.

Ask about the new Wine & Wellness package as well.

There are several resident yoga instructors, each with their own unique style of hatha yoga, which you’ll experience in the 1,200-square-foot Gadane Hall, drenched in natural light and o ering peaceful views of the surrounding woodlands.

For ultimate rejuvenation, schedule a spa treatment (or two or three!) during your stay. Choose from an array of luxurious massages and body treatments, as well as facials. What could be more relaxing after a hot stone massage and aromatherapy wrap than a soothing soak in the outdoor Jacuzzi?

Explore the network of wooded trails, and make your way through the meditation labyrinth. Enjoy breakfast, lunch and dinner in the on-site restaurant, Pura Vida, where

you can savor healthy, locally sourced fare, including fish, chicken and vegetarian options. (Special dietary needs can be accommodated with advanced notice.)

You’ll sleep well in your comfortable room or cabin, each with a private bathroom and walk-in shower. (In keeping with the theme of escape, there are no phones or televisions in the rooms, but if you’re Jonesing for connection, Wi-Fi is available throughout the resort.)

Learn more › DAHLONEGA SPA RESORT

› Dahlonega, Georgia › (706) 865-7678 › dahlonegasparesort.com

Beachside Boot Camp

Looking to challenge your body while easing your mind on the shores of the Atlantic? Check into Vita Vie Retreat, a fitness retreat located at the Seagate Hotel and Spa in Delray Beach, Florida, o ering a variety of packages, ranging from three nights up to six, single and

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Photos courtesy of The Seagate Hotel & Spa

double occupancy.

Inspired by her clients, personal trainer Margot Rutigliano launched her boot camp getaway adventures 12 years ago.

“I found people were so distracted from their environment, so I wanted to create a way for them to get away and focus on themselves and their goals, whatever those were—weight loss, improved sports performance, health and just destressing from daily life,” says Margot. “I wanted to create an active vacation where people actually felt better afterward, instead of coming home from vacation feeling exhausted and having gained weight.”

a personalized meal plan for you, allowing your healthy eating to extend beyond vacation after you get home.

A boutique hotel, accommodations at the Seagate are upscale. Located just one block from the beach, you’ll enjoy ocean breezes and will have access to the hotel’s private club right on the beach. Enjoy an early morning workout with the sand beneath your feet, or take a sunset stroll to relax at the end of the day.

Meals are taken in the hotel’s restaurant, which features a special healthy menu

Ayurveda Approach

Ever wish you could hit the “reset” button? At Ayurveda Health Retreat in Alachua, Florida, the sta , atmosphere and treatments are designed to help you do exactly that.

Owner Richard Masla, a long-time Ayurvedic practitioner, founded the retreat in 2001 with the mission of helping people improve their health by learning how to take better care of themselves.

A holistic approach to wellness, Ayurveda is based on the knowledge of

For each full day of your retreat, you’ll take part in five di erent boot camp classes, such as intense beach boot camp sessions, medicine ball training, Pilates, yoga, balance training, sports conditioning, mixed-style dance and more. Classes take place on the beach, in local parks and in the resort’s private studio.

“We have small groups, no more than 10 people in each class, so it’s a much friendlier learning setting than at a big gym,” says Margot, who is one of seven instructors leading classes.

Three meals are included per full day. Each package also includes a 30-minute lifestyle coaching session, which looks at your overall fitness, nutrition and any type of stress you’re dealing with, and one 50-minute spa treatment at the on-site spa. (Additional spa treatments are available à la carte for an added fee.)

Although cooking classes are not o ered, Vita Vie has a dietitian who creates

Ayurveda Health Retreat

for retreat guests that includes healthy fats, good carbs and lots of fresh veggies and fruit. The restaurant sta is also very accommodating if you have any special nutritional needs.

“Boot camp packages are the most popular, but one-on-one private fitness retreats can also be scheduled,” says Margot. “Either way, you’ll go home feeling recharged and renewed.”

Learn more › VITA VIE RETREAT AT SEAGATE HOTEL & SPA › Delray Beach, Florida › (800) 768-5708 or (561) 414-2464 › bvretreat.com

the sages from ancient India for mental and physical health.

“We are not a medical facility but rather an education center,” explains Richard. “Much of illness is caused by stress and lifestyle (how we eat, how we spend our time, etc.). Reducing stress supports self-healing, so we teach all of our patients meditation, pranayama (breathing techniques) and yoga.”

Those clients come from all across the country and beyond to discover the peace, relaxation and healing, healthy practices found at Ayurveda Health Retreat.

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Photos courtesy of Ayurveda Health Retreat

Richard, who has been to India over 40 times to study there, has studied traditional Ayurveda under Dr. Vasant Lad, Dr. Pankaj Naram and Dr. Syama. He is wellversed in the art of Kerala Ayurvedic Panchakarma and personally trained all of the retreat’s Ayurvedic massage therapists.

Of the various packages o ered, the Traditional Panchakarma Retreat is their signature treatment and the most popular. This package includes a twotherapist (four-handed) Panchakarma with warm, healing herbal oils featuring a 2 1/2-hour session each day that incorporates massage, aromatherapy steam, nasal therapy (great for allergies!) and warm oil drip.

“We import about 100 gallons of Ayurveda oil from India each year,” notes Richard. “Many illnesses and diseases result from a buildup of toxins, which impair the body’s natural defenses. Panchakarma removes toxins from the body and allows the rejuvenating energies of the body to flow freely.”

Richard notes that as the body detoxes, you’ll find yourself having more energy, sleeping soundly and healing both physically and emotionally.

The Traditional Panchakarma package is all-inclusive and includes a private room, delicious Ayurvedic vegetarian breakfast, lunch and dinner, and daily sessions of yoga, meditation and pranayama (breath work).

If you stay at least five days, an Ayurvedic consultation with an Ayurvedic Practitioner and follow-up is included. For those wishing to learn more about Ayurvedic cooking, classes are o ered on Saturday evenings.

“We believe food is medicine and medicine is food, so all of our meals are organic and freshly prepared,” says Richard, adding that clients receive

personalized dietary recommendations they can follow at home.

For maximum benefits from the Panchakarma experience, a minimum fiveday stay is suggested, but guests come for anywhere from just a weekend to as long as 30 days.

All levels of yoga are also o ered to the public at 6pm Monday through Friday. Daily workshops are also available.

Learn more › AYURVEDA HEALTH

RETREAT › Alachua, Florida › (352) 870-7645 › ayurvedahealthretreat.com

Oceanfront Indulgence

Designed by Norman Giller (known as the “father” of modern Miami architecture), the Carillon Hotel opened in 1958 and quickly became a glamorous night spot and the epitome of Miami Beach resort culture.

Today, with its world-class wellness center and 750-foot stretch of private beach, Carillon Miami has been recognized by Travel + Leisure magazine as one of Florida’s best resort hotels. Here you’ll find luxurious getaway options for the fitnessminded, as well as those simply seeking a place to unwind.

As a premier spa and wellness resort, Carillon Miami uniquely incorporates spa, fitness, health and beauty. Some guests come with a desire to address specific health concerns. Others come to let their stress and cares melt away in this calming seaside environment. Carillon Miami is an ideal destination for both pursuits.

Whether you’re in search of challenging

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Photos courtesy of Carillon Miami

workouts or indulgent spa treatments (or both), this is the spot. More than 200 exercise classes are o ered every week. The fitness area features Technogym ARTIS cardiovascular equipment, which provides internet access, over 100 TV channels and an app for tracking your exertion. You can also try your skill on the two-story indoor rock-climbing wall and experience the therapeutic igloo, which is part of the ninesuite thermal spa experience.

A team of wellness professionals is ready and willing to assist you in a variety of areas and will help fashion a personalized plan to improve your health, fitness and nutrition. You can even learn practical stress management practices and

ways to increase clarity and focus.

During your stay, you can enjoy guilt-free dining with a food and beverage program that focuses on deliciously nutritious cuisine. There’s even an assortment of allorganic cocktails. Drop by the juice bar for a juice drink or smoothie with the freshest ingredients to give you a boost post-workout or for soothing refreshment any time.

Food is such an important key to health and a sta nutritionist can help address such topics as food sensitivities, autoimmune issues, detoxification, weight concerns and specialized diets such as vegan, paleo and raw. An individualized eating plan can be created for you, based on your specific metabolic profile. There’s

Carillon Hotel

also a safe and proven detox program to help “reboot” your metabolism.

Accommodations are spacious one- and two-bedroom suites, ranging from 720 to 1,200 square feet. Floor-to-ceiling windows o er memorable views of either the Atlantic or the Miami skyline. Each suite has a separate living room and fully equipped kitchen, not to mention a spa-like bathroom.

Carillon Miami often features enticing o ers and packages, so be sure to ask about their latest specials and discounts or check the website.

Learn more › CARILLON HOTEL › Miami Beach, Florida › (866) 800-3858 › carillonhotel.com

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Photo courtesy of Carillon Miami

Frosty eats to beat the summer heat

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Summer in the Sunshine State means heat, humidity and, if you’re smart, lots of cool treats.

If your first solution for frosty relief is to reach for ice cream, you’re in good company. What was once a frozen dessert eaten by “high society” types in the 1700s has become one of our country’s most beloved treats.

At any given time, 87 percent of Americans have ice cream in their freezers. In fact, U.S. annual ice cream consumption is 5.5 gallons per capita. Only New Zealanders eat more (a whopping 7.5 gallons!) ice cream per person.

Ice cream has been around for centuries, as has plain yogurt, but frozen yogurt is a much more recent invention and didn’t appear until the 1970s. Consumers’ first reaction was that it tasted too much “like yogurt,” which had manufacturers scrambling to reformulate their recipes. The first TCBY shop opened in 1981, and within a few short years, TCBY had become the world’s largest frozen yogurt franchise.

Although ice cream and frozen yogurt often have the

same percentage of protein, frozen yogurt is made with cultured milk and not cream. It may or may not contain live and active bacteria culture. The milkfat in frozen yogurt is only around 0.5 percent to 6 percent.

Frozen yogurt isn’t consumed in the same massive quantities as ice cream, but the proliferation of “add your own toppings” frozen yogurt shops across the country in recent years certainly testify to its popularity.

Make Your Own

Sometime after Nero became emperor of the Roman Empire in A.D. 54, Roman literature recounts tales of fruit juices being chilled with mountain snow to create a sort of frozen dessert. You don’t need a freezer full of snow, nor do you have to dash to the store and buy readymade frosty delights. We’ve rounded up some tasty, easyto-make recipes for refreshing drinks and snacks that will make cooling o a special treat all summer long. And some of them can even fall into the “healthy eating” category!

Creamy Watermelon Sherbet

Recipe and photo used with permission courtesy of watermelon.org

5 cups watermelon purée (about 1 large watermelon)

1 1⁄2 tbsp unflavored gelatin

1 1⁄2 cups sugar

1⁄4 tsp ground nutmeg

1 1⁄2 cups milk

1 1⁄2 tsp fresh lime juice

Soften gelatin in 1/2 cup of the watermelon purée.

› Let stand 5 minutes at room temperature, and then heat gently to dissolve gelatin. › Cool slightly.

› Add remaining watermelon purée, sugar, nutmeg, lime juice and milk to gelatin mixture. › Freeze in ice cream freezer according to appliance directions.

Watermelon Berry Popsicles

Recipe and photo used with permission courtesy of watermelon.org

5 to 6 cups seedless watermelon

1 cup California giant blueberries

1 cup California giant raspberries

3 tbsp honey

Add watermelon, 1/2 cup of blueberries, 1/2 cup of raspberries and honey to a blender. › Blend until smooth. › Press through a fine mesh strainer to remove pulp and seeds. › Fill popsicle molds 3/4 full with liquid. › Add whole blueberries and raspberries to each mold. › Insert sticks, and freeze for at least 4 hours or until completely frozen.

JUL ’18 › healthyliving magazines.com 23
SUMMER

Vegan Orange Sorbet

Recipe and photo used with permission courtesy of Floridajuice.com

2 cups Florida orange juice

3 whole bananas

1⁄2 tsp vanilla extract

1⁄4 tsp ginger

Fill ice cube tray with Florida orange juice, and freeze until solid. › Cover baking sheet with wax paper. › Slice bananas, and lay them flat on the baking tray. › Freeze for at least 8 hours. › In a blender, add frozen Florida orange juice cubes, frozen banana slices, vanilla extract and ginger. › Blend until the mix becomes creamy and smooth. › Serve immediately.

What's In A Name?

All ice cream is not created equal. The definitions from the International Ice Cream Association help decode that label.

» Ice cream: must contain at least 10 percent milkfat

» Reduced fat ice cream: contains at least 25 percent less total fat than “regular” referenced ice cream

» Light ice cream: contains at least 50 percent less total fat than “regular” referenced ice cream

» Lowfat ice cream: contains no more than 3 grams of total fat per 1/2 cup serving

» Nonfat ice cream: contains less than 0.5 grams of total fat per serving

Berry Lemonade Slush

Recipe used with permission courtesy of The Kraft Heinz Company, kraftrecipes.com

COUNTRY TIME Lemonade Flavor

Drink Mix

1 cup water

1 cup fresh or frozen strawberries

2 cups ice cubes

Measure drink mix into cap to 1-qt line (1/2 cup). › Blend water, drink mix and berries in blender until smooth. › Add ice; blend on high speed until thickened. › Serve immediately.

Avocado Banana Smoothie

Recipe and photo used with permission courtesy of Floridajuice.com

1 cup Florida orange juice

1⁄2 unripe banana

1⁄2 cup frozen raspberries

1⁄2 cup unsweetened almond milk

1⁄4 avocado

1⁄3 cup plain Greek yogurt

1 tsp ground ginger

1⁄2 cup ice

1 scoop vanilla protein powder

Add banana, frozen raspberries, almond milk, Florida orange juice, avocado, Greek yogurt, ginger, ice and vanilla protein powder to a blender. › Blend ingredients. › Pour into a tall glass or to-go cup.

Florida Strawberry Dream Ice Cream

Recipe and photo used with permission courtesy of Florida Strawberry Growers Association, flastrawberry.com

2 cups whole milk

2 cups heavy cream

1 cup white sugar

1⁄4 tsp salt

2 tsp vanilla extract

2 cups mashed fresh strawberries

In a large bowl, combine the milk, cream, sugar, salt and vanilla. › Pour the mixture into

the frozen freezer bowl, and let mix for 2030 minutes until it begins to thicken. › Add strawberries, and process for 10 to 15 more minutes. › The ice cream will have a soft, creamy texture. › Transfer ice cream to an airtight container, and place in freezer for 2 hours. › Remove from freezer about 15 minutes before serving. › Add a sprig of mint or basil for an even more beautiful display.

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Arctic Grapes

Recipe and photo used with permission courtesy of The Kraft Heinz Company, kraftrecipes.com

1 lb seedless green grapes

2 tbsp (about 1/3 of 3-oz pkg)

JELL-O Lime Flavor Gelatin

Rinse grapes; shake gently to remove excess water. › Remove, and discard stems from grapes.

› Place grapes in large resealable plastic bag. › Add dry gelatin mix, close bag and then shake gently to evenly coat grapes with gelatin mix. › Spread grapes onto rimmed baking sheet. › Freeze 2 hours or until frozen.

Smart-Choice Peanut Butter-Chocolate Freeze Recipe used with permission courtesy of The Kraft Heinz Company, kraftrecipes.com

45 reduced-fat vanilla wafers, finely crushed (about 1 1/2 cups)

1⁄2 cup PLANTERS COCKTAIL Peanuts, finely chopped

1⁄4 cup butter, melted

3⁄4 cup crunchy peanut butter, divided

1 pkg (8 oz) PHILADELPHIA Neufchatel Cheese, softened

1 can (14 oz) fat-free sweetened condensed milk

1 tub (8 oz) COOL WHIP LITE Whipped Topping, thawed

1⁄4 cup chocolate syrup

Mix wafer crumbs, nuts, butter and 1/4 cup peanut butter until blended. › Reserve 1/4 cup crumb mixture; press remaining onto bottom of 13x9-inch pan. › Beat Neufchatel and remaining peanut butter in large bowl with mixer until blended. › Gradually beat in condensed milk. › Stir in COOL WHIP; pour over crust. › Drizzle with chocolate syrup; swirl gently with knife. › Sprinkle with reserved crumb mixture. › Freeze 2 hours or until firm.

Frosty Facts & Figures

In honor of National Ice Cream Month (July received this title in 1984), we’re sharing some interesting tidbits about this popular treat:

» Vanilla is the most popular ice cream flavor in the United States.

» The ice cream churn was invented in the 1840s.

» The first U.S. ice cream plant opened in 1851.

» It takes 3 gallons of milk to make 1 gallon of ice cream.

» The wa e cone first debuted in 1904 at the World’s Fair in St. Louis, supposedly when a Syrian wa e maker rolled his pastries into cones to help an ice cream vendor who had run out of dishes.

Source: icecream.com

Fruity Pudding Pops

Florida Strawberry-Yogurt Freezer Pops

Recipe and photo used with permission courtesy of Florida Strawberry Growers Association, flastrawberry.com

1 lb Florida strawberries, hulled and chopped

1⁄4 cup sugar

1 lemon, juiced

2 cups low-fat vanilla yogurt

10 freezer pop molds and sticks

In blender or food processor, add half of the strawberries, sugar and lemon juice. › Purée ingredients until sugar is dissolved. › Pour mixture into a small pitcher or container, and add the rest of the chopped strawberries. › Fill each freezer pop mold by alternating layers of strawberry mixture and yogurt. › Insert handle or stick into each freezer pop, and freeze at least 5 hours. › To serve, run warm water over outside of molds until pops come out easily. › If you don’t have freezer pop molds, use small paper cups. › Cover tops of cups with plastic wrap, and poke the sticks through the plastic to keep them standing upright while in the freezer.

Recipe and photo used with permission courtesy of The Kraft Heinz Company, kraftrecipes.com

1 pkg (3.4 oz) JELL-O Vanilla Flavor Instant Pudding

1⁄4 cup KOOL-AID Strawberry Flavor Sugar-Sweetened Drink Mix (from the canister)

2 cups cold fat-free milk

1 cup sliced fresh strawberries

Beat pudding mix, drink mix and milk in medium bowl with whisk 2 minutes. › Stir in berries. › Pour into 5 (6-oz) paper cups. › Insert wooden pop stick in center of each. › Freeze 4 hours or until firm. › Peel o cups before serving. › Variation: Prepare using JELL-O White Chocolate

Instant Pudding, your favorite flavor of Sugar-Sweetened KOOL-AID and substitute 1 drained (11-oz) can mandarin oranges or 1 sliced banana for the berries.

JUL ’18 › healthyliving magazines.com 25

FOR LIFE FriendS

a life-changing difference when you adopt a pet.
Photos by John Jernigan
Make
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The numbers are hard to fathom when you realize each one represents a life.

Approximately 6 to 8 million cats and dogs enter shelters in the United States every year. Although 4 million of those animals are adopted, tragically, some 3 million are euthanized— about one every 13 seconds. The saddest statistic is that 80 percent of those animals are healthy, treatable and could have become someone’s pet.

You can change that.

There are multiple shelters and rescues in our area where you can adopt your next best friend, including these options:

› Humane Society of Marion County thehsmc.org, (352) 873-7387

› Voices of Change Animal League (VOCAL) vocalforpets.org

(352) 289-0800

› Marion County Animal Services marioncountyfl.org/animal

(352) 671-8700

“Be patient with the adoption process. Look at adult animals; many people think they want a puppy but find out it’s way more work than they anticipated. Basically, you’re raising a baby— just a di erent species,” advises Linda Norman, co-founder of Voices of Change Animal League (VOCAL), an all-volunteer, nonprofit organization.

“If you do adopt a shelter pet, don’t overlook the plain or shy ones. They can be the most loyal pets,” she adds. “Cats especially don’t like change, so it takes them time to adjust.”

We paid a visit to the Humane Society of Marion County, a non-profit, no killshelter, to round up some adoption candidates. Change your life—and theirs—by making one of these special dogs or cats part of your family.

Purrbox

Dilute Calico Domestic Short Hair, female, 4 years old

That might take a little time because I didn’t have the best start in life. When I was just 3 months old, someone abandoned me at the dumpster outside the Humane Society. That was almost four years ago, and I’m patiently waiting for my forever home. Might that be with you? I love napping in cozy hiding places. My ideal home would be a loving single person or a family without young kids who will

not high maintenance, but I have a lot of energy, which means you’ll have the best buddy for long walks and play time if you take me home. After all that exercise, I’m really good at relaxing and just hanging out. That’s what best friends do, right? A fenced yard I can claim as my territory would be great. My perfect home is probably with a single adult.”

“MY NAME SAYS IT ALL. I’M QUITE THE PURR MACHINE WHEN I FEEL RELAXED AND SAFE.
“I’VE BEEN HERE ALMOST TWO YEARS, AND I’D SURE LIKE TO HAVE A HOME WITH A PERSON OF MY OWN. I’m

Scarlett

Lab Cross, female, 4 years old

“IF I COULD BE A SUPER HERO, I’D BE SOCCER DOG! I love, love, love playing with big balls, and I’m really talented at that. It would be awesome if you’d play with me that way every day. A nice family with older kids who can keep up with me and shower me with lots of attention would be great. I have to admit, I’m a little anxious and can be shy around men, but I really like women. I’m housebroken so I’m fine inside but love to get out and run, so my ideal home would have a big fenced yard. Once you have me in your life, you won’t need any other dogs, so I’d like to be your one and only.”

You can see my regal breeding in my gold eyes and my beautiful long black coat. I was a tiny stray kitten when someone found me on the streets. I get along fine with all the other cats here, but it’s high time I found my own home with people who recognize

Genisha

Brindle Hound Mix, female, 4 years old

lots

and love to run, but I’m super sweet and happy to climb in your lap if you let me. Take me out on a leash and you’ll see how well I can listen. I’m housebroken, and I’d love a big fenced yard. My ideal forever home would be a family with kids to wear me out with lots of fun play time.”

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“I AM A BIT OF A SHY PRINCESS, BUT THAT’S BECAUSE I KNOW I’M SPECIAL.
“IF YOU’RE LOOKING FOR SWEET, ENERGETIC AND PLAYFUL, I’M YOUR GIRL. I’ve got
of enrgy
Adrianna Black Domestic Long Hair, female, 1 1/2 years old

“I WAS ONLY 6 WEEKS OLD WHEN MY OWNER LEFT ME AND MY BROTHERS AND SISTERS AT THE HUMANE SOCIETY. I haven’t experienced what it’s like to have a family of my own, but I hope that happens soon. I’m a shy, kind girl, but I have an independent streak. You can bring out my playful side if you let me chase a wand or feather toy. Those are the best! I hope my forever home has toys like that.”

Simpkin

Calico-Patched Tabby Domestic Short Hair, female, 3 1/2 years old

Chihuahua, female, 6 years old

JUL ’18 › healthyliving magazines.com 29

2014. Sadly, there were no plans made for me when that happened, and I was brought here. Don’t get me wrong. It’s a great place, but for a wise, senior lady like me who knows what it’s like to have a home of her own, my greatest hope is to experience that again. I’m very laid-back, definitely not high maintenance. My ideal home would be a couple or single person who will appreciate my relaxed demeanor and quiet companionship. If you have a screened-in porch, that would be even better so I can sit on my perch and watch the birds outside. I even get along with kind dogs, so long as they know how to behave around cats!”

Bigsby

I love to play, and my ideal home would be a family with kids who’ll run and play with me every day. Having me around would get you o the couch and exercising regularly, so you could really consider me your own personal trainer! Confession time: I have a special talent of climbing chain link fences, which means I’m better o staying inside with my people (of course, I’m housebroken), as long as they take me on long walks every day. I have to admit, I like being the center of attention, so I’d prefer not sharing my

Note: All of these animals are part of the “Best Friends Club.” Take one home to foster for three months on a “trial” adoption. The Humane Society of Marion County will provide all food, necessary medication, heartworm and flea prevention during that time. After three months, if you’re a good fit together, the adoption will be made o cial.

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Grey Tabby Domestic Short Hair, female, 9 years old
“I HAD A WONDERFUL LIFE BEFORE MY OWNER DIED IN FEBRUARY
Blackmouth
Cur Mix, female, 5 years old
“YOU WON’T FIND A MORE PLAYFUL, LOYAL FRIEND THAN ME.

can’t help the fact that I’m deaf, but you should know that means I can’t hear commands. I’m a smart girl, so if someone is willing to train me with sign language, we would make a great team. I love my toys and am quite the playful dog, but since I like to rough house, I’m a bit too much for kids. My ideal home would be with a single man or a couple and a fenced yard I can call

JUL ’18 › healthyliving magazines.com 31
“ONCE I FIX MY BEAUTIFUL BLUE EYES ON YOU, YOU’LL REALIZE YOU NEED ME IN YOUR LIFE FOREVR. I
Sky
American Bulldog, female, 6 years old

Healthy

skin simplified

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When it comes to what we eat, society is more informed about what’s in our food than ever before. What if we read the ingredient list on our skin care products as closely as the nutrition labels on our food? Do we know if what we’re putting on our face is right for our skin type or if it will really work in the ways it promises? Just like a healthy body depends on what you feed it, healthy skin depends on what we treat it with each day.

Targeted Treatments

If you’re looking to see real improvement in your acne scarring or you’re struggling to reduce redness, don’t just shop for skin care that makes grand promises on the label. Flip the container over, and start scanning those ingredients. Based on your concerns, here’s what you need.

Over your acne? You need salicylic acid, benzoyl peroxide and retinol. Salicylic acid dissolves oil buildup on the surface of the skin while reducing irritation. Benzoyl peroxide kills bacteria, while retinol works to unclog pores and regulate oil production.

Done with dry skin and redness?

You need hyaluronic acid, ceramides and noncomedogenic oils. Hyaluronic acid is a humectant, meaning it pulls moisture into the skin throughout the day. Ceramides are lipids that occur naturally in the skin. Using ceramide-rich skin care products helps to form a protective layer to decrease moisture loss and protect against dryness. Emollients, like cocoa butter, shea butter and coconut oil, prevent water loss and can further soften, protect and smooth the skin.

Got uneven skin tone? You need products high in vitamin C. When used daily, vitamin C helps even out skin tone and improve its hydration. Ascorbic acid is a potent form of vitamin

C with research-proven brightening and evening properties.

Can’t beat clogged pores? You need glycolic acid. Glycolic acid is the smallest alpha hydroxy acid out there, so it will penetrate as deeply as possible into pores to break up the sebum and dead skin. It’s available in cleansers, solutions, lotions and peels.

Struggling with scarring? You need vitamin E, rose hip and lemon peel extract. All three are proven to lighten acne scars, dark marks and hyperpigmentation. (Note: Vitamins E and C often travel in pairs, as they work better together. To get the most from your E products, make sure C is on the list as well.)

Ingredients To Ignore

When we see anti-aging products on store shelves, don’t we all feel that nagging feeling that it’s too good to be true? But somehow that moisturizer always ends up in the cart. Buzzwords like collagen and stem cells are unfortunately just that— buzzwords. Here are a few unhelpful active ingredients you shouldn’t buy into.

Collagen

Sadly, collagen makes for great marketing but not great skin care. Collagen is a

protein that supports skin structure and keeps us looking youthful. According to Into the Gloss, collagen molecules are too large to absorb into the outer layer of the skin. Even broken-down collagen, called micronized or hydrolyzed collagen, may not be small enough and is not scientifically proven to reduce wrinkles. Even collagen dietary supplements are not proven to be

JUL ’18 › healthyliving magazines.com 33
Buzzwords like collagen and stem cells are unfortunately just that—buzzwords.

e ective. So buyer beware: Most products boasting collagen are moisturizers. When you see that youthful glow returning to your skin, consider that it may just be well-hydrated.

Stem Cells

As one professor of dermatology told Real Simple, “It’s not possible to maintain live stem cells in cosmetic emulsions.” Stem cells used in cosmetics are derived from fruits and plants known to stay fresh for extended periods, such as Swiss apples and date palms. To create the most potent, e ective stem cells, the plants they’re sourced from must be grown in highly controlled environments. These costly conditions can drive the price of the strongest products to $100 and upward. Even then, there’s no guarantee the stem cells are still alive, or even capable of enticing your skin to regenerate as the label suggests.

Argan Oil

Although this particular oil has been the ingredient to use for the last few years, it’s known to be comedogenic and overpriced. It is moisturizing, yes, and contains helpful amounts of vitamin E, sure. But unless you want expensive blackheads with your smooth skin, stick to noncomedogenic moisturizers rich in evidence-based ingredients.

So what’s worth it? Dermatologists unanimously recommend retinoic acids, like Retin-A, or over-the-counter retinol products. These help minimize scarring, discoloration and wrinkles. Hyaluronic acid, both in topical products and in cosmetic

fillers, draw moisture into the skin to improve its overall appearance. And both are backed by good, oldfashioned science.

The GetterGlow's Diet

In her book Feed Your Face, dermatologist and celebrity esthetician Dr. Jessica Wu explains how our diets can impact our skin—for better or for worse.

For example, not eating enough protein means the body may not have enough amino acids to create collagen, which makes skin strong and elastic. Processed, sugary foods can cause even more breakouts in acne-prone people. And some dermatologists recommend their patients cut out dairy or use non-dairy substitutes when possible. Because most milk in the United States is produced by pregnant cows, many docs theorize taking in those extra hormones may cause extra bumps and blemishes.

Healthy fats are one of the best and easiest additions to your diet for healthier

as a salad topper, into a smoothie or eat it straight out of the rind with a little seasoning salt sprinkled on top. Other

34 healthyliving magazines.com JUL ’18
also fight the free radicals that can break down collagen over time.

healthy fats include nuts, fatty fish and extra virgin olive oil.

When choosing vegetables, opt for red, yellow and green ones in the deepest shades to maximize your nutrient intake. For example, tomatoes are rich in lycopene, an antioxidant known to fight free radicals. It’s easiest for your body to absorb lycopene from cooked tomatoes when the plant’s cells are slightly broken down. If you’re picking greens for a salad, go for darker greens, like kale and spinach. These also fight the free radicals that can break down collagen over time, helping to support your skin’s youthful appearance.

Try to consume foods high in omega-3 fatty acids, like chia seeds, walnuts and sardines to increase skin’s strength. Vitamin C is known to boost collagen production, so bell peppers, citrus fruits and strawberries are your new best friends. For antioxidants, vitamin A and vitamin E, incorporate almond butter, swiss chard, pumpkin, sweet potatoes, carrots and cantaloupe.

The spice turmeric is also a skin savior. The active component in turmeric is called curcumin, which gives it a bright yellow hue. Curcumin fights inflammation and is thought to calm conditions like psoriasis and acne. If you don’t love the taste, it also comes in supplement form.

Frugal Vs. Facials

Because the skin is the biggest organ of the human body, it makes sense it would need routine care just like the rest. Many estheticians recommend you schedule a professional facial about every three to four weeks. One month is about how long it takes your skin to move through its full life cycle of skin cell growth and exfoliation. It’s also important to consider your skin type and how it reacts to facials. You may need to go more often to combat the e ects of oily skin or less often to prevent irritating dryer skin.

With the average facial costing about $50, is it really worth the splurge each month? Well, it depends on what type of facial you’re requesting. Standard facials, which usually involve cleansing, massage, steam treatment, a mask and moisturizer, are generally e ective at improving the look of skin within a few days of the appointment.

One study in India found that facials actually caused acne breakouts in 80 percent of clients. However, many estheticians warn their clients they will go through a “purging” phase, as facials are designed to clear out blocked pores and toxins from deep within the skin. Just be warned you may not come out looking like a dewy goddess. Like all good things, results may take two to three days.

Sunscreen Survival Guide

Not all sunscreens are created equal, which is never more apparent than in the heat of summer. Make sure you’re spending on the most e ective SPF.

Only use sunscreen that lists titanium dioxide, zinc oxide or both as active

ingredients. They o er the highest level of protection and can help protect against early signs of aging. Those with sensitive skin should use children’s sunscreen, which is formulated for delicate skin. Avoid sunscreens with para-aminobenzoic acid (PABA) and benzephenones, like dioxybenzone, oxybenzone or sulisobenzone.

Use products labeled for broad spectrum protection. These sunscreens protect against both types of ultraviolet light: UVA and UVB rays. Although all sunscreens provide UVB protection, which shields skin from sunburns, not all sunscreens o er UVA protection, which protects against both skin cancer and aging.

Don’t skimp. If you go to the beach every day for a week, you should use the whole tube by the end of seven days.

To guarantee their e ectiveness, don’t use sunscreen products that have passed their expiration date. If one isn’t listed on the bottle, the FDA recommends trashing it if it wasn’t purchased within the last three years.

JUL ’18 › healthyliving magazines.com 35
Sources: fda.gov, forbes.com, intothegloss.com, paulaschoice.com, today.com, webmd.com, xojane.com
facials are designed to clear out blocked pores and toxins from deep within the skin.

by

at Golden Ocala Golf & Equestrian Club

Friday, August 10 • 12:30pm

Registration at 10:30am • Tee-off at 12:30pm

$125 Entry Fee includes green fees, cart, lunch, drinks on course, goodie bag, and 2 drinks at the after party at 100 Proof Saloon

Carli sadly took her own life December 31, 2017 and left behind a 4-year-old son, Nolan Ryan Hughes.

This is a tax deductable event benefiting the Nolan Ryan Hughes College Fund, Interfaith Emergency Services, and VOCAL (Voices of Change Animal League). 501(c)(3) info can be provided.

Full-Color Tee Signs are available for $125. Ask about our Gold and Silver sponsorships. Email Robert Huff at Robert.Huff@goldenocala.com to sign up or sponsor. Checks made payable to Interfaith Emergency Services C/O Carli Leutbecher and mailed to Robert Huff, 5768 SW 40 Place, Ocala FL 34474

(352) 402-4357

36 healthyliving magazines.com JUL ’18
presented
MARION

scrub-a-dub

For extra kisses from the missus, just wash the dishes. According to the non-profit Council of Contemporary Families (CCF), the completion of chores—namely dishwashing—can severely a ect the health of your relationship. According to a recent study published in The Atlantic, women who spend their time after meals washing dishes claimed less satisfaction in their social and physical relationship, plus more conflict with their spouse. Couples who share dishwashing duties reported happier, healthier relationships. The resolution? Roll up your sleeves and lather some dishes—one half rinses, the other half dries.

MIND HOME FINANCE HEALTHY PAGE 37
Sources: wellandgood.com, theatlantic.com

buggin’ out

Natural ways to stop the bite. ›

With summer’s arrival, there isn’t a better time to take advantage of the sunshine. To escape the heat, we often limit our outdoor activities to when the sun isn’t at its peak and its rays aren’t as strong. As the sun goes down, though, the risk for insect annoyances increases: Mosquitoes are generally most active at dawn and dusk. Along with their irritating, itchy bites, mosquitoes can carry diseases, such as malaria and Zika virus. Whether on vacation or in your own backyard, bug bites and their e ects on our bodies can really take away from the fun. The best way to avoid them is to prevent them in the first place.

Bug repellent is inarguably a necessity, but in recent years, some consumers have found drawbacks with chemical-based repellents and made the switch from such repellents, commonly found in aerosol cans, to more naturally derived products.

The Centers for Disease Control and Prevention (CDC) advises consumers to use Environmental Protection Agency (EPA)-registered insect repellents, which contain active ingredients approved by the EPA. One such ingredient is DEET, widely found in

repellents due to its e cacy. Even after a comprehensive review in 1998 surrounding its safety, questions have been raised as to how harmful it could be. More recently, a 2009 study conducted by the French Research Institute for Development found evidence linking DEET with the interference of certain enzymes. The enzyme cholinesterase is significant because its activity is necessary for the function of the nervous system. More research in this field is needed to further investigate the e ects of the chemical. Sprays formulated with DEET may feel sticky or heavy on the skin, and for some people, even the smell is bothersome.

It’s up to you to determine what repellent works best for your body. Although the choice ultimately depends on your preference, these natural bug repellents are worth considering.

soybean

Repellents that are based in soybean oil have been found to o er e ective protection from

mosquito bites. Bite Blocker is made with organic vegetable oils and includes coconut, geranium and soybean oils: DEET free. BiteBlocker Herbal Insect Repellent Spray 4.7 oz, $9, biteblocker.com

lemongrass

This option from Lemongrass Spa utilizes the brand’s namesake: lemongrass. The citrussmelling herb contains powerful antioxidant properties. Along with lemongrass, the repellent is formulated with aloe, to soothe and soften skin, and citronella, cedarwood and catnip oils. Catnip was shown in an Iowa State University study to be 10 times more e ective than DEET when it comes to repelling mosquitoes, proving that natural alternatives shouldn’t be underestimated when compared to their chemical counterparts.

Bug-a-Boo Family Pack (4-oz spray, 2-oz spray and roll-on stick), $24, ourlemongrassspa.com

thyme

Thyme is useful for providing protection against malarial mosquitoes when applied to the skin as an oil or burned as leaves.

Bug Ban Natural Insect Repellent 4 oz, $7, swansonvitamins.com

air

One of the most e ective methods of controlling mosquitos is to blow them away. Choose a breezy, circulated area to sit, and if that’s not possible, use a clipon or plug-in fan. Mosquitos just can’t win against the wind, and they know this, which is why they fly low to the ground. Aim your fans toward the floor to best repel their approach.

Ironton High-Velocity Floor Fan, $35 northerntool.com

38 healthyliving magazines.com JUL ’18 vibe HEALTHY
Sources: livescience.com, cdc.gov, healthline.com, rodalesorganiclife.com

Individualized skin care regimens VelaShape cellulite reduction treatment

JUL ’18 › healthyliving magazines.com 39 Make Every Step Count 110156 Call us today to reserve a recovery suite for your heart & vascular, joint & spine or other medical conditions. 352.873.7570 2800 Southwest 41st St. LifeCareCenterOfOcala.com Medicare and most insurance accepted Recover with quality & experience in mind. MidState Skin Institute at Deerwood 1630 SE 18th Street, #400, Ocala, FL 34471 (352) 512-0092 MidState Skin Institute at Jasmine Park 7550 SW 61st Ave., Suite 1, Ocala, FL 34476 (352) 732-7337 MidState Skin Institute is pleased to announce our newest office location in Jasmine Park! MidStateSkin.com
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Katie Keel, ARNP-C Stacey Klingbeil, PA-C

lean on me

In times of distress, it can be comforting to surround yourself with others who can truly relate and understand what you’re going through.

The following support groups o ered in Marion County strive to strengthen the community through positive experiences and advice from others who find themselves in similar situations.

Bariatric Weight Loss Surgery Support Group

When: Third Wednesday of every month from 6-8pm

Where: Munroe Regional Medical Center in the Auxiliary Conference Center

This is a support group for patients considering weight loss surgery. Discussions in this group include how to prepare for surgery, the nursing care to expect before and after surgery, how to prevent complications, what to expect during recovery,

plus first-hand experiences from peers who have already completed the process. Receive advice from patients who have experienced the very things you have concerns regarding. Post-surgery, the group provides guidelines and encouragement though stage two of surgery. To register, call (352) 667-8181 or (352) 671-2099

Diabetes Education & Support Group

When: First Wednesday of each month from 1-2pm

Where: Munroe Regional Medical Center in 6 South Conference Room

This educational support group provides patients the opportunity to take note of tips and techniques—including blood monitoring, glucose

40 healthyliving magazines.com JUL ’18 vibe HEALTHY

management, medications, gestational diabetes, exercise, stress control, nutrition and meal planning—that help others manage both their insulin pump and non-insulin pump diabetes. To register, call (352) 667-8181 or email healthresourceline@mrhs.org.

Spinal Cord Injury Support Group

When: Third Thursday of each month from 5:30-7:30pm

Where: Munroe Regional Medical Center in the Auxiliary Conference Center

The Spinal Cord Injury Support Group, in a liation with the non-profit Spinal Cord Injury Support Group of South Florida, is for individuals who have been a ected by spinal cord injuries, cerebral palsy or brain damage. These individuals will be properly educated, encouraged and build close, positive friendships with those in similar circumstances. To register, call (352) 671-2080 and press option 1 to confirm meeting location.

Suicide Bereavement: C-O-N-N-E-C-T-I-O-N-S

When: For information on dates and times, call Pastoral Care at (352) 402-5280

Where: Munroe Regional Medical Center

This is a support group for persons bereaved by suicide. Sit alongside others sharing in the sudden loss of a loved one. To register, call (352) 402-5280.

Stroke Club of Marion County

When: Second Monday of each month from 1-3pm

Where: Munroe Regional Medical Center in the Auxiliary Conference Center

At this support group sponsored by the Munroe Regional Neuroscience Center,

friends and families of patients who have had a stroke can meet to comfort one another. To register, call (352) 867-8181 or (352) 291-8777.

The Stroke Club of Marion County’s Aphasia Group

When: Every Monday from 12-1pm

Where: Munroe Regional Medical Center’s LifeTime Center

Munroe Regional Neuroscience Center’s Stroke

to how others were able to recover from a devastating loss and how bereavement care may help you find new hope. To register, call (352) 873-7456.

Domestic Violence Support Group

When: Every Tuesday and Thursday from 10am-12pm

Where: Ocala/Marion County

Domestic Violence/Sexual Assault Center

This is a support group for physically, mentally and verbally abused women. The meeting

from judgment. To register, call (352) 620-8822.

Women’s Cancer Support Program

When: First Wednesday of each month from 6-7pm

Where: Robert Boissoneault Oncology Institute

This support group is for women who are facing woman’s cancers, including breast and cervical cancer, and the women who have survived it. To register, call (352) 7320277.

Club also o ers an aphasia support group. Aphasia is a language disorder that a ects a person’s ability to communicate. To register, email amyhurt@mrhs.org.

Bereavement and Grief Support Group

When: For information on dates and times, call The Monarch Center at (352) 873-7456

Where: The Monarch Center for Hope & Healing

This support group by Hospice of Marion County o ers both group and individual sessions to aid in the grief process after the loss of a friend or family member. Listen

is a safe haven for women who need empathy, care and concern. To register, call (352) 620-8822.

Sexual Assault Support Group

When: Every Wednesday from 6-8pm

Where: Ocala/Marion County

Domestic Violence/Sexual Assault Center

This is a support group for women to help them recover from the traumatic e ects of sexual assault. Self-confidence and self-esteem are highly valued at these meetings, as well as peer mentoring free

District 17

When: Last Thursday of each month at 6:45pm Where: Unity Place

Alcoholics Anonymous support group by Intergroup District 17, Inc. is a group that meets together to combat the addictive e ects of alcoholism. In this meeting, address concerns and solutions with peers who are also struggling with substance use or abuse problems. The group is hosted by a trained social worker. To register, call (352) 867-0660 or email aaocalaintergroup@ gmail.com.

JUL ’18 › healthyliving magazines.com 41

Piccin & Glynn is a personal injury and wrongful death law firm with roots in Ocala since 1974. It is recognized as a Preeminent Law Firm with the highest rating for legal abilities, conduct, ethics, reliability and diligence.

John Piccin graduated from Villanova University and The University of Michigan Law School. His daughter, Katherine (Katie) Glynn, graduated from Eckerd College and St. Thomas University School of Law.

John and Katie handle all types of crashes— motor vehicle, trucking, motorcycle, bicycle, boating and aircraft. Other practice areas include medical and professional malpractice, product and premises liability and insurance disputes, particularly insurance company “bad faith.”

WE HANDLE CATASTROPHIC INJURY CASES 320 NW 3rd Ave., Ocala (352) 351-5446 • (800) 969-5446 • Fax: (352) 351-8057 john@ocalapersonalinjury.law • katie@ocalapersonalinjury.law www.ocalapersonalinjury.law
If you want lawyers who will passionately work to pursue your legal rights following a tragedy or significant financial loss, give John or Katie a call.
On February 27, 2017, a Marion County jury returned a record-breaking $52,000,000 verdict for our clients who were devastated in a highspeed, rear-end collision.

credit score considerations

Paying o debt is a massive achievement. You may even be inclined to close the credit card responsible for your debt to prevent further spending temptation. Closing a credit card, however, can ultimately cause more harm than help. For one thing, the length of your credit card history matters. An account of 15 years in good standing may help your score while it’s open but, when canceled, will typically be removed from your credit history after 10 years. On the other hand, if the reason for wanting to close your credit card is due to an expensive annual fee, it may prove beneficial to close the account and shop around for an alternative way to boost your score.

BUSINESS & MONEY: YOUR GUIDE TO ACHIEVING FINANCIAL WELL-BEING PAGE 43 Fiscal
Sources: money.cnn.com

In

(re)tired of working

If you are nearing the sixth decade of your life and are without savings, it may be time to buckle down and start saving. Like with most scenarios in life, the sooner, the better. One money expert, Kimmie Greene, tells us we should have

seven times our annual salary saved by age 60. Does your savings account match this figure? Probably not. But don’t fret. Here are a few ways you can boost your savings, even if you’re o to a late start.

NO EARLY RETIREMENT.

It is nearly impossible to live o Social Security alone. If you do not have su cient funds in your savings account to make up for the lack of income, it seems you are not yet ready to retire. Did you know that each year you put o benefits past retirement age your monthly social security check will go up by 8 percent until this incentive expires at age 70?

CHALLENGE YOURSELF. Learn to be frugal with your

money. Eating cheaper food, choosing less expensive entertainment, even moving to a smaller space will significantly a ect your savings. Set a monthly goal of a figure you want to save by the time the end of the month arrives—you may even find this method can start to be fun.

FIND PART-TIME WORK. Maybe working full-time until you turn 70 is not an option for you. Consider part time. Twenty hours a week combined with Social Security checks may be your answer to getting by.

USE YOUR RESOURCES.

If working is out of the question for you completely and you own a home, you have not yet run out of hope. Many

retirees have sold or rented their property for income. This is especially ideal if your home has an extra unattached living space or mother-in-law suite for you to live in as you rent the larger portion of your home out to tenants. This stream of income should cover a major expense, making it easier to get by on Social Security.

REVERSE MORTGAGE.

When you turn 62 years of age, you qualify for something called a reverse mortgage. This term refers to one version of a loan where you renounce the equity in your home in exchange for monthly checks from the bank made out to your name. The downfall? This would completely write o the future option of a home equity loan.

44 healthyliving magazines.com JUL ’18 fitness FISCAL
a recent survey, it was estimated that nearly 50 percent of future retirees have little to no excess money set aside for their retirement.
Sources: forbes.com, money.cnn.com,
cnbc.com

Progress is possible.

Progress is possible.

We know discussing financial strategies and choosing insurance may not be your favorite thing to do. But making choices now can help you - and your family - confidence in your future. So you can get back the things you love doing. No matter what your financial goals are, here to help. Let’s get started today.

We know discussing financial strategies and choosing insurance not be your favorite thing to do. But making choices now can you - and your family - confidence in your future. So you can the things you love doing. No matter what your financial goals here to help. Let’s get started today.

We know discussing financial strategies and choosing insurance may not be your favorite thing to do. But making choices now can help give you - and your family - confidence in your future. So you can get back to the things you love doing. No matter what your financial goals are, I’m here to help. Let’s get started today.

Diana Williams

Senior Financial Services Representative

We know discussing financial strategies and choosing insurance may not be your favorite thing to do. But making choices now can help give you - and your family - confidence in your future. So you can get back to the things you love doing. No matter what your financial goals are, I’m here to help. Let’s get started today.

Principal Securities Registered Representative Investment Advisor Representative 50 SE 16th Avenue | Ocala, FL 34471 352-629-6556 | williams.diana@princor.com

Diana Williams

Senior Financial Services Representative

Principal Securities Registered Representative Investment Advisor Representative 50 SE 16th Avenue | Ocala, FL 34471 352-629-6556 | williams.diana@princor.com

Moines, IA 50392. AD3139 | t160812033c

©2016. Principal Financial Services, Inc. Principal, Principal and symbol design are and service marks of Principal Financial Services, Inc., a member of the Principal Financial Insurance products issued by Principal National Life Insurance Co. (except in NY), Insurance Co. Securities and advisory products offered through Principal Securities, member SIPC. Principal National, Principal Life, and Principal Securities, Inc. are members Financial Group®, Des Moines, IA 50392. AD3139 | t160812033c

©2016. Principal Financial Services, Inc. Principal, Principal and symbol design are registered trademarks and service marks of Principal Financial Services, Inc., a member of the Principal Financial Group®. Insurance products issued by Principal National Life Insurance Co. (except in NY), Principal Life Insurance Co. Securities and advisory products o ered through Principal Securities, Inc., 800/247-1737, member SIPC. Principal National, Principal Life, and Principal Securities, Inc. are members of Principal Financial Group®, Des Moines, IA 50392. AD3139 | t160812033c

©2016. Principal Financial Services, Inc. Principal, Principal and symbol design are registered trademarks and service marks of Principal Financial Services, Inc., a member of the Principal Financial Group® Insurance products issued by Principal National Life Insurance Co. (except in NY), Principal Life Insurance Co. Securities and advisory products offered through Principal Securities, Inc., 800/247-1737, member SIPC. Principal National, Principal Life, and Principal Securities, Inc. are members of Principal Financial Group®, Des Moines, IA 50392. AD3139 | t160812033c

JUL ’18 › healthyliving magazines.com 45 Tax and Business Consulting Services Accounting Auditing “We value the relationships established with our clients and believe that our success results from their success. Our top priority is to provide each client with professional, confidential and timely service, aimed at providing unparalleled personal attention.” Tax laws are changing this year. Call us to find out how these changes might a ect you. www.djcocpa.com 334 NW Third Avenue, Ocala t: 352-732-0171 f: 352-867-1370
Diana Williams Senior Financial Services Representative Principal Securities Registered Representative Investment Advisor Representative 50 SE 16th Avenue | Ocala, FL 34471 352-629-6556 | williams.diana@princor.com Progress is possible. ©2016. Principal Financial Services, Inc. Principal, Principal and symbol design are registered and service marks of Principal Financial Services, Inc., a member of the Principal Financial Insurance products issued by Principal National Life Insurance Co. (except in NY), Principal Insurance Co. Securities and advisory products offered through Principal Securities, Inc., member SIPC. Principal National, Principal Life, and Principal Securities, Inc. are members Financial Group®, Des

home equity help

A home equity loan allows you to borrow (with interest) any equity you have built up in your home. Often, these loans are used for necessary expenses such as home repairs, medical bills or school tuition. They can also be used for home upgrades, such as new floors, an addition or a pool.

It’s important to shop around for the best loan for you. Some banks charge closing costs or other fees for a home equity loan; others may not. Some institutions o er a seven-year repayment period, while others may be more flexible. We recommend securing a loan with a fixed rate. You don’t want any surprises in your

payments if the stock market or housing market goes crazy. Again, ask a lot of questions, and find the lender that is willing to work for you.

Because equity is the di erence between how much you owe and how much your home is worth, the first step is to get a home appraisal to find out what your home is worth versus how much is left on your original mortgage. Your bank or credit union of choice can help you with this process. They will also run a credit check to determine your credit score and your existing debt-to-income ratio. A score above 700 should qualify you for a home equity loan with a low interest rate.

pros:

› Home equity loans are secure loans, which mean their interest rates tend to be lower than rates of other consumer debts.

› You can spend a home equity loan on whatever you wish. There are no restrictions.

› If your credit score is not top of the line, a home

cons:

› If you fail to make payments on your home equity loan, your home could end up in foreclosure.

› If you only need $10,000 from the bank, but are approved for $15,000, the temptation to spend the extra $5,000 could put you in unexpected debt. Only borrow what you need and can afford.

Fixed rates for home equity loans may be higher than those of fixed-rate primary mortgages, particularly if your credit isn’t stellar.

46 healthyliving magazines.com JUL ’18 fitness FISCAL
If you want to borrow a large sum of money, a home equity loan may be worth considering. Like with all major decisions, though, it’s important to contemplate both the positive and negative outcomes.
By Laurel Gillum
Sources: thebalance.com, mortgageloan.com
JUL ’18 › healthyliving magazines.com 47 What really matters to us is vibrant communities, successful schools, growing businesses, and financial security. ffbf.com/welcome-cbc Member FDIC - Equal Housing Lender CBC National Bank is joining the First Federal Bank of Florida Family. 910 SW 1st Ave. Ocala, FL 34471 (352) 732-6616 5860 West Highway 40 Ocala, FL 34482 (352) 236-6497 vision for the future. A history of strength and a Please email your résumé or any questions you may have to properteasesalon@gmail.com EXPERIENCED STYLISTS WITH VERIFIABLE CLIENTELE TREMENDOUS INCOME POTENTIAL HIGHEST QUALITY PRODUCTS PROVIDED NOW HIRING HIGHEST RATED SALON IN OCALA* 507 SW 1st Ave., Ocala, FL 34471 | 352.351.1771 * Highest rated salon in Ocala on Google, Yelp and Facebook

give mesome credit

Soon after high school, your children will begin a life of their own—with your help, of course. Qualifying for a job, a car loan, even their own apartment requires an established history of good credit.

A credit card in your teenager’s name can be beneficial to begin creating a credit score. Just make sure spending and monthly payments are monitored closely by both the responsible teenager and the parents.

Long before your teenager is handed a credit card, they should be well informed about

the workings of a checking account. If they are properly advised on how to balance the account after use of their debit card, they should have no issue keeping track of credit card purchases they make during the month. They should be responsible for paying this running total o by the end of each month.

Talk to your teen about responsible spending. Explain how quickly extra co ees or runs through the drive-thru can add up. Also, don’t forget to talk to them about interest. In the beginning, it may be wise to set a spending limit. Once

they have charged that amount (which should be the amount they are comfortable paying o each month), the card goes into lock-down until the next month. If it’s only midway through the month and they’ve reached their limit, hopefully they will begin to rethink their spending habits.

If you as a parent feel like your young adult is not equipped to handle the responsibility that comes with obtaining a credit card, you may consider a prepaid credit card. This card allows parents to place a set amount of money on the card for use. Once that money is gone, it’s

gone. This so-called training wheels method will hopefully teach your teenager to distinguish between what they need to purchase (lunch while at work) and what they want to purchase (that new pair of shoes). You may also choose to look into low-limit credit cards in the beginning.

Whichever option you choose to explore with your teen, the key is to view the credit card not as “extra” money but as a loan to pay back as soon as possible. With this mental attitude, debt and bad credit can be avoided.

48 healthyliving magazines.com JUL ’18 fitness FISCAL
Source: thebalance.com
From Shakespeare to trigonometry, by the time graduation rolls around our children have nearly mastered (or tried to master) each of their core classes—now it’s time to master the real world.
By Laurel Gillum
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