MAGAZINE September/October 2017
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LIFE. SAVED. TAKING CARE TO THE NEXT LEVEL. “Last fall, I had a really bad car accident that left me unconscious for days. Thankfully, the trauma team at Osceola Regional gave me a second chance at life. They went above and beyond in every way. I spent five weeks in the trauma unit recovering from several broken bones and a shattered pelvis. Now I’m able to use a walker, and I’m confident I’ll be walking again on my own pretty soon.” — Liza
Osceola Regional Medical Center’s Level II Trauma Center has transformed care for critically injured patients in Osceola County and beyond. Our experts are here 24/7, saving time and saving lives, giving patients like Liza a second chance at life.
To learn more about the Level II Trauma Center at Osceola Regional Medical Center, visit us online:
OsceolaRegional.com/trauma View our survivors album on Facebook.
MAGAZINE
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from the publisher
SEPT/OCT 2017
| VOL. 3 NO. 5 | OSCEOLAWOMAN.COM
Dear Osceola Women,
Can you believe it? Summertime has passed and we are getting closer to fall! Which hopefully means “cooler” weather and the holidays right behind it! I was once asked which season was my favorite; I replied enthusiastically, “Football season!” For those who know my family, we are diehard Florida Gator fans and our Saturdays are spent watching college football with our friends. In this issue, you will be introduced to Chris Carter, the owner of Pizza City and Fat Boy’s BBQ, both located in Kissimmee. Carter’s face comes to mind when thinking of a hard-working woman; I’m sure she would do circles around me daily. Make sure you check out the article about her and the restaurants her family has saved. These restaurants are staples here in Osceola and it’s great when we support our local homegrown businesses! Check the article out on page 24-25. You will also find a special section that focuses on Breast Cancer Awareness Month. I would like to highlight two women in my life that have battled/are battling
MAGAZINE
Publisher JENA THREADGILL
(jthreadgill@osceolawoman.com) Art Director AMY POSADAS Contributing Writers CHARLIE REED BLANCA TAYLOR CLEVE GRISSOM DR. GARY BORGMAN VICTORIA QUEDNAU
breast cancer… First, a woman who beat breast cancer twice, Ms. Evadne Gannarelli. Everyone needs someone like Evadne in their lives. I don’t always say it enough, but I am very grateful for her! Second, someone who I truly admired growing up, Ms. Nicki Harris. I met Nicki when I was 16 at Fat Boy’s BBQ in Kissimmee where she was my manager, and we still keep in touch fifteen years later. I could pick up the phone in need of anything and either of these women would be there. The world needs more women like Evadne and Nicki… This issue of OWM is for you two ladies. Thank you for being you! Until next time,
6 osceolawoman.com | SEPTEMBER/OCTOBER 2017
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OSCEOLA WOMAN MAGAZINETM IS PUBLISHED BIMONTHLY AND IS AVAILABLE FREE OF CHARGE, BY SUBSCRIPTION, DISPLAY STANDS IN APPROVED PRIVATE AND PUBLIC ESTABLISHMENTS AND AUTHORIZED DISTRIBUTORS ONLY. TRADEMARK AND U.S. COPYRIGHT LAWS PROTECT OSCEOLA WOMAN MAGAZINETM. NO PART OF THIS MAGAZINE MAY BE REPRODUCED WITHOUT THE WRITTEN PERMISSION OF THE PUBLISHER. OSCEOLA WOMAN MAGAZINETM IS NOT RESPONSIBLE FOR ANY EDITORIAL COMMENT (OTHER THAN ITS OWN), TYPOGRAPHICAL ERRORS FROM ADVERTISEMENTS SUBMITTED AS CAMERA-READY OR ANY REPRODUCTIONS OF ADVERTISEMENTS SUBMITTED AS CAMERA-READY. IF AN ADVERTISEMENT DOES NOT MEET OUR STANDARDS OF ACCEPTANCE, WE MAY REVISE OR CANCEL IT AT ANY TIME, WHETHER OR NOT IS HAS BEEN ALREADY ACKNOWLEDGED AND/OR PREVIOUSLY PUBLISHED. THE ADVERTISER ASSUMES SOLE RESPONSIBILITY FOR ALL STATEMENTS CONTAINED IN SUBMITTED COPY AND WILL PROTECT AND INDEMNIFY THE OSCEOLA WOMAN MAGZINETM, ITS OWNERS, PUBLISHERS, AND EMPLOYEES AGAINST ANY AND ALL LIABILITY, LOSS OR EXPENSE ARISING OUT OF CLAIMS FOR LIBEL, UNFAIR TRADE NAMES, PATENTS, COPYRIGHTS AND PROPRIETY RIGHTS, AND ALL VIOLATIONS OF THE RIGHT OF PRIVACY OR OTHER VIOLATIONS RESULTING FROM THE PUBLICATION BY THIS MAGAZINE OF ITS ADVERTISING COPY. PUBLISHER SHALL BE UNDER NO LIABILITY FOR FAILURE, FOR ANY REASON, TO INSERT AN ADVERTISEMENT. PUBLISHER SHALL NOT BE LIABLE BY REASON OF ERROR, OMISSION AND/OR FAILURE TO INSERT ANY PART OF AN ADVERTISEMENT. PUBLISHER WILL NOT BE LIABLE FOR DELAY OR FAILURE IN PERFORMANCE IN PUBLICATION AND/OR DISTRIBUTION OF ALL OR ANY PORTION OF AN ISSUE IS DELAYED OR SUSPENDED FOR ANY REASON. THE PUBLISHER WILL EXERCISE REASONABLE JUDGMENT IN THESE INSTANCES AND WILL MAKE ADJUSTMENTS FOR THE ADVERTISER WHERE AND WHEN APPROPRIATE. OSCEOLA WOMAN MAGZINETM ASSUMES NO RESPONSIBILITY FOR UNSOLICITED MATERIAL OR REPRODUCTIONS MADE BY ADVERTISERS. THIS MAGAZINE WILL BE PUBLISHED BY THE 15TH OF EVERY OTHER MONTH. THE OPINIONS OF OUR AUTHORS DO NOT NECESSARILY REFLECT THE OPINIONS OF OSCEOLA WOMAN MAGAZINETM, OUR PUBLISHER, OUR EDITORIAL TEAM AND/OR OUR ADVISORY BOARD. THE AUTHORS ARE SOLELY RESPONSIBLE FOR THE CONTENT OF THEIR SUBMITTED MATERIAL.
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HEALTH
IS IT A HEADACHE OR A STROKE?
When you get a headache, you probably take aspirin and try to shrug it off. But sometimes headaches are warning signs of something much more serious — a stroke, a condition that’s similar to a heart attack but affects the brain. More than 795,000 people in the US suffer from a stroke every year, and of those, about 130,000 die from it. According to one survey, while 60 percent of people knew that severe headache with no known cause could signal stroke, only 38 percent of people could recognize all the major symptoms and knew to call 911 right away so they can be taken to the nearest stroke center. Type of stroke: ISCHEMIC (blockage-type brain attack)
•What it is: About 85 percent of strokes are ischemic, which occur when a blockage prevents a blood vessel from providing blood to the brain. •Headache symptoms: Most ischemic strokes don’t cause headaches. But some types, such as arterial
8 osceolawoman.com | SEPTEMBER/OCTOBER 2017
dissections (blockage in an artery supplying the brain) and cerebral venous sinus thrombosis (blockage in veins draining blood from the brain), can produce a splitting headache. Sometimes people with headaches due to arterial dissections also have teary eyes on one side, as well as weakness or numbness on the side of their body opposite the headache. People with headaches due to venous sinus thrombosis may also have blurry vision and/or seizures. •Treatments: Fortunately, better treatments for brain attacks are now available at stroke centers. In the past, only thrombolytic medications (t-PA) were available to try to dissolve these blockages. Nowadays, minimally invasive catheterbased treatments – similar to stents used on heart attack patients – can open blocked vessels in people with brain attacks such as in Comprehensive Stroke Centers.
Type of stroke: HEMORRHAGIC (a.k.a. bleeding-type brain attack, or brain bleed)
•What it is: There are two types of hemorrhagic strokes: subarachnoid and intracerebral. •An intracerebral hemorrhagic stroke, which accounts for around 12 percent of all brain attacks, occurs when a weakened blood vessel or aneurysm bursts, causing a brain bleed. Hypertension is the most common risk factor for an intracerebral hemorrhagic stroke. •A subarachnoid hemorrhagic stroke occurs when a bulge in a blood vessel (a.k.a. aneurysm) within the covering layers of the brain ruptures, causing bleeding in the space surrounding the brain. While subarachnoid hemorrhagic strokes are less common, accounting for around three percent of all brain attacks, their results are often devastating. About 10 percent of people suffering from a brain bleed die immediately, and of the remaining 90 percent who
make it to the ER, about half will die within 30 days. •Headache symptoms: An intracerebral hemorrhage, which most often occurs in people with high blood pressure or less frequently from an underlying vascular malformation (AVM), causes sudden, severe headaches. People with subarachnoid hemorrhagic strokes often complain of suddenly experiencing the worst headache of their lives. •Treatments: While brain surgery was once the only option, now, Comprehensive Stroke Centers’ less-invasive
options are available, including endovascular treatments with coils, stents and flow diverters for brain aneurysms, and endoscopic treatments with vacuum suction devices for evacuating brain bleeds. What is a Comprehensive Stroke Center and how close am I to one? Comprehensive Stroke Centers treat patients suffering from ischemic and hemorrhagic strokes to the most complex stroke cases via t-PA administration and interventional procedures. The lessinvasive procedures
are performed by Interventional Neurologists utilizing Biplane Imaging Technology which produces highly detailed 3-D views of blood vessels leading and within the brain. Combined with a full continuum of stroke care, trained neurological nurses, therapists, neurologists and neurosurgeons, a Comprehensive Stroke Center is the best chance of survival for stroke patients. Fortunately, for the Osceola community, Osceola Regional has recently opened a Comprehensive Stroke Center, the only one of its kind in the county.
Prevention Unfortunately, some risk factors for stroke can’t be changed but there are a few things you can do to lower your risk. Visit OsceolaRegional. com to learn about prevention.
Act F.A.S.T.
If you think you or someone you know is having a stroke, remember the acronym F.A.S.T. -Face drooping, Arm weakness, Speech difficulty and Time to call 911. Source: Sharecare.com
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HEALTH
What is FINANCIAL ABUSE?
F
inancial abuse is one of the most powerful methods of keeping a survivor trapped in an abusive relationship and deeply diminishes the ability to stay safe after leaving the relationship.
Research indicates that financial abuse is evident in 98% of abusive relationships. Surveys of survivors reflect that concerns over their ability to provide financially for themselves and their children was among the main reasons for staying in or returning to an abusive relationship. As with all forms of abuse, it occurs across all socio-economic, educational, racial and ethnic groups. The short and long-term impact of financial abuse can be devastating. Short-term impact can hinder a victim’s ability to find work, pay for everyday bills, access a bank account or credit card, and attain the skills of budgeting. When access to assets is denied, short term can evolve into a long-term
situation. The longterm ramifications of continuous financial abuse is withholding assets, survivors are often unable to obtain safe and affordable housing or the funds to provide for themselves or their children. With realistic fears of homelessness, it is little wonder that survivors sometimes return to or remain with their abuser. Those who manage to escape the abuse and survive initially often face overwhelming odds in obtaining financial sustainability. Ruined credit scores, sporadic employment histories and legal issues caused by the legality of domestic abuse/battery make it extremely diďŹƒcult to gain independence, attain safety, and longterm security. Financial instability is one of the largest obstacles survivors seeking safety and independence must overcome along with one of the most common reasons survivors give for justification as to why they stay or have returned to their abuser.
The ability to survive financially without the abuser presents challenges, whether it be due to loss of income, a place to live, childcare, healthcare, and other money issues including access to credit. Advocating for economic justice strategies can improve the many social conditions that prevent safety for survivors. Safe options to addressing some of these challenges include making informed decisions about how to avoid predatory lending and consumer scams, building good credit, accessing resources for affordable housing, financial education and for building assets through savings,
homeownership or entrepreneurship. The Economic Empowerment program at Help Now of Osceola, Inc. was created to assist survivors of domestic violence that are dealing with Financial Abuse. The program will help survivors regain their financial independence while learning the financial skills to maintain selfsuďŹƒciency. If you or someone you know is experiencing economic abuse, we are here to help.
*Information adapted from FCADV Florida Coalition Against Domestic Violence & NNEDV National Network to End Domestic Violence. For Additional Information please contact Deisha Rodriguez or Shana Barnes with Help Now of Osceola, Inc. Advocates are available from 8:00am-5pm Monday-Friday. After business hours please contact Help Now 24 Hour Crisis Line at 407-847-8562 TTY:407-846-2472
10 osceolawoman.com | SEPTEMBER/OCTOBER 2017
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Vanessa Echols Breast Cancer Survivor and Founder: Compassionate Hands and Hearts Breast Cancer Outreach
Breast Cancer Awareness Month is extra special this year for Compassionate Hands and Hearts Breast Cancer Outreach. We’re celebrating our 10th anniversary! That’s 10 years of serving breast cancer warriors throughout Central Florida. In that time, we have helped hundreds of patients going through treatment by providing: financial assistance for daily living expenses, meals for their families, gift cards for gas to medical appointments, help with housekeeping and lawn care and whatever else the need to give them one less thing to worry about while they’re going through treatment. they We are an entirely grassroots, homegrown organization. And we’re very proud that 100% of our donations go directly to local patients and their families. In our 10 years, we’ve met some extraordinary cancer fighters and their families. And we have been blessed by individuals, businesses and organizations that believe in our mission and partner to support us. We are grateful for the opportunity to help people right here in our own backyards while they go through the fight of their lives. To all of our donors over the years, thank you! And to all the warriors we have helped and will help in the future, keep fighting!
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Battling Breast Cancer with
“Compassionate Hands and Hearts” | By Charlie Reed |
How one grassroots organization is making all the difference for those fighting the disease The color pink takes on special meaning every October during National Breast Cancer Awareness Month. Pink ribbons and the color itself have come to represent support for people fighting the disease, now the most common form of cancer among women in the U.S. It’s the unofficial color of most campaigns that raise awareness about the disease and highlight the stories of survivors and fighters. Florida Hospital and Celebration Health are bringing together breast cancer patients, survivors and their supporters for the “Pink on Parade” 5K rally on Oct. 22. Proceeds from the event will go toward helping local residents with the disease in a rally that welcomes those who want to run, walk, volunteer or donate. Millions have run in the Susan G. Komen foundation’s annual Race for the Cure, a popular event held every October in cities and towns across America. The Washington D.C.-based nonprofit focuses on a range of services education, research and advocacy programs focused on breast cancer. But here in Central Florida, one grassroots organization
stays focused on the home front and has created a flourishing volunteer network. Celebrating its 10th anniversary, Compassionate Hands and Hearts Breast Cancer Outreach was founded by longtime WFTV anchor Vanessa Echols, a breast cancer survivor and advocate who lends her local celebrity to the cause. But love is what drives the organization. At the group’s monthly events, patients receive monetary gifts and other donated items at receptions aimed at fostering camaraderie among the clients, their supporters and the volunteers. The group also provides clients with everyday help -- from running errands to preparing food to a simple call offering help. Vanessa, who was diagnosed in 2004, got the idea for Compassionate Hands and Hearts after she and friend heard about a woman who walked 1.5 miles from her house to take a bus to chemotherapy. “We picked her up, took her to chemo, then arranged transportation for her after that. That one simple act totally changed her treatment,” Vanessa said. “I was surprised because I thought there would be something or someone to help
her with the challenges of daily living while going through all that. But there wasn’t.” As she and friends began helping more people who, in turn, wanted to help more people, Compassionate Hands and Hearts naturally came together. It’s a registered 501c-3 nonprofit that’s powered solely by volunteers. “Everything about our organization is organic,” Vanessa said. “What’s unique is that every penny we get goes to the patients. Nothing goes to administrative costs. We can show you the person who gets what you give at our monthly outreach events.” At one such recent gathering in Osceola County, it was easy to see just how much the group’s support means to those battling breast cancer. The events feel more like close friends getting together than a formal function. And Savanna Rousch, a 20year old from St. Cloud, is one of the gang. Last year, when she lost her hair, eyebrows and eyelashes because of chemotherapy, the crew from Compassionate Hands and Hearts took her for a makeover in Orlando. “I felt a little awkward at first, but then I opened up,” SEPTEMBER/OCTOBER 2017
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said Savannah, who was diagnosed with breast cancer at 18, less than a year after graduating from St. Cloud High School. The make-up techniques went a long way in boosting her confidence after she lost her hair and underwent a double mastectomy. But interacting with the group taught the young women an even more important lesson: “That I’m not alone and that God is with me.” While battling breast cancer, she developed congestive heart failure because of the chemotherapy. Savannah also has developed other complications and conditions that make her recovery tough. While most kids her age are going to school and working, Savannah is simply trying to get well. She still
Savannah
gets treatments to drain lymphatic fluids and repair hardened tissue caused by the breast cancer. She now also goes to physically therapy to strengthen her heart. Her three closest friends -- Katie, Jackie and Josie -- help her get through tough days and there for the good ones, too. Same goes for her mom Pam Roush, a retired Kissimmee Police Department captain, whose parents both died of cancer not long before Savannah was diagnosed. “It’s been tough,” Pam said, but getting to see how resilient her daughter is makes her proud. “She’s so strong. She’s my pride and joy.” The mother-daughter duo also wants the general public to know that selfbreast exams save lives. It
SEPTEMBER/OCTOBER 2017
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Sandra
helped Savannah save her own. She learned about self-breast exams during in high school and picked up literature on the topic at a concert as a teen. “That’s kind of how I noticed there was a lump and why I thought I should go to the doctor,” she said. Pam and Savannah’s general physician assumed there was likely nothing wrong because she was so young but fortunately checked it out anyway. The vast majority of breast cancer afflict women over the age of 50. “She had Stage 3 breast cancer. If she hadn’t done that, hadn’t known how to do the self-exam we would have never known,” Pam said. Savannah has had to delay some of her young adulthood to fight cancer but has also developed a deeper understanding of herself. She isn’t quite sure what she wants to do when she gets better, but “I know you can’t take life for granted. You just don’t give up.”
Just when Sandra Mantellini thought about giving up she found grace. During the past year, the 32-year-old has been fighting breast cancer, undergone a double mastectomy and broken up with her boyfriend. She has also been trying to establish a new life here
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in Central Florida after fleeing political unrest in her native Venezuela. Life is more challenging than she ever could have imagined, but it’s playing out in divine time, she said. “I was mad at first,” Sandra said. “But then I found my church, and I started to feel a strong sense of gratitude and appreciation for what I was going through. I heard God’s voice and knew this was happening as a way for me to understand life.” Compassionate Hands and Hearts also helped Sandra shed her wig and become more comfortable with the scars left on her chest from the mastectomy. Shortly after the August outreach event, Sandra and a friend were interviewed by a local news crew on the day of the solar eclipse. It was first day she didn’t don a wig, an anecdote she shared on live TV. “I told them I was coming out to the world without my wig. I felt so free,” she said. She celebrated her birthday in August with her brother, who also recently came her from Venezuela, and received well wishes from friends around the world. “I didn’t know if I was going to make it to my birthday. But
I’m here and I’m feeling better and I’m here to share my story,” said Sandra, who recently shared photos of her bald head on social media, a big step, she said. She was overwhelmed with the love shown by the gang from Compassionate Hands and Hearts after her surgery in April. “They had a whole itinerary they gave me and did everything for me. I can’t thank them enough. They’re like angels,” Sandra said. As her life continues to change, Sandra said she feels like the luckiest person in the world fighting cancer. “It’s absolutely made me stronger. I would take nothing back.” While breast cancer is significantly more prevalent among women, men can also be afflicted with the disease. Just ask Jeff Weinstein, a breast cancer survivor and member of the board of directors for Compassionate Hands and Hearts. He was diagnosed in 2007, at age 43, after reluctantly checking out a lump at the advice of his wife Stephanie. After his doctor told him he had breast cancer, Jeff -who was living in Kissimmee
with his family at the time -essentially zoned out, he said. Although he heard the doctor, all he could think of was how inconvenient the situation was. “I told the doc that my wife doesn’t cook and that I had 16 people coming for Christmas dinner in a few weeks,” said Jeff, father to six children -two foster, two adopted and two biological. But the doctor said treating Stage 2 breast cancer couldn’t wait until after the holidays. “My wife loves being right, but not in this case,” he said. Jeff underwent a radical mastectomy and endured five months of chemotherapy and avoided radiation treatment. He beat the cancer and began running in the Race for the Cure, where he met Vanessa Echols who, by then, had started Compassionate Hands and Hearts. As reporters do, she talked Jeff into doing an interview on WFTV about men with breast cancer and the two became fast friends. Jeff isn’t always the only male at the outreach event, though it’s an overwhelmingly female group. But he doesn’t mind and has come to rely on the group’s support and chance to help others. SEPTEMBER/OCTOBER 2017
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Jeff “Unfortunately, there’s still a huge population of men that don’t want to be part of anything to do with breast cancer even when their significant other has it,” he said. Earlier this year, Jeff was told he had Stage 2 bladder cancer, a diagnosis that came almost 10 years to the day after his first. “The treatment is nothing like it was with the breast cancer, much less intrusive. I’m going to be fine,” he said. And should he forget to update his pals at Compassionate Hands and Hearts, they’ll check on him
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without a doubt. After a recent surgery, the texts and phone calls flooded Jeff ’s phone. “If you don’t tell us how it’s going we’re going to call Stephanie,” was the crux of most of the messages. “I didn’t realize how much they pay attention,” said Jeff, who had only casually mentioned his surgery in passing at an outreach event. “That’s how it works, we all look out for each other.”
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MAGAZINE
20 osceolawoman.com | SEPTEMBER/OCTOBER 2017
life &
WORK
KIDNEY FUNCTION AND HEALTH | By Dr. Gary A. Borgman |
Continuing my theme of discussing the various organ systems of our beloved pets and all that can go wrong, I will devote this article to kidney function and animal health. Pets (and people) can survive without food for days and weeks but can only live a few days without water. Healthy kidney function is so vital. Many years ago, I was taught that the kidneys have three basic functions: filtration, reabsorption, and secretion. Let me explain. The kidneys are the filters of our body’s blood and all that it contains. Each kidney is made up of a multitude of tiny functional units called nephron units which filter the blood that passes through the kidneys. Serum, electrolytes and waste products ooze through these membranes and eventually becomes urine which is then voided from the body. Before this fluid and all it contains gets to the bladder, the kidney cells actively reabsorb things it needs to conserve (liquids and electrolytes) and actively secretes waste products it needs to get rid of. This is a delicate balancing act, dependent on hormones to control
and regulate these processes. It is a fascinating subject in normal physiology and to me seems miraculous but it works well in healthy animals! So what can go wrong? Unfortunately, much can go wrong with adverse health effects. One of the more common medical conditions we encounter is a UTI (urinary tract infection) which is usually very treatable with antibiotics. A lower UTI, involving mainly the bladder, seldom affects the kidneys. When the kidneys are infected, it is usually a more serious problem and serious kidney damage can occur. Canine Leptospirosis, can cause permanent kidney damage. This bacterial disease is most likely transmitted by wild animals, rodents and outdoor canines through the urine. We recommend vaccinating dogs to prevent Lepto. By the way, Leptospirosis is a zoonotic disease; meaning humans can also be infected. Diabetes mellitus can definitely affect the kidneys because the excess glucose in the blood passes through the kidney membranes, resulting in reduced reabsorption of fluids, and a greatly enhanced thirst frequency and volume of urination. Fortunately diabetes is a treatable condition. I have previously written about hormonal imbalances which affect the kidneys. Cushing’s disease (hyperadrenocorticoism) can result in excessive thirst and urination. Diabetes insipidus is a very rare hormonal condition which
also results in increased urine production. This form of diabetes is because of a lack of the ADH (anti-diuretic hormone) from the pituitary gland. As a general rule, young healthy adult dogs and cats have five times the necessary kidney function capability that is necessary for healthy living. Infections, toxins, and aging all take their toll on the kidneys. We screen animals annually for kidney health with blood and urine tests. By the time we find abnormal kidney values in the blood tests, animals have already lost 75% to 85% of their original kidney capacity. The treatment of advanced kidney disease usually entails hospitalization with IV fluids, antibiotics if infection is present, diet adjustments (lower protein diets) and other medications depending upon the severity of the condition. Each patient is different and the treatment recommendations must be tailored to the individual. We have some patients who have been on home administered fluid therapy for months and even years.
The doctors and staff of Kissimmee Animal Hospital (Tel 407-846-3912) and Poinciana Pet Clinic (Tel 407-518-0880) are available to answer your questions about kidney health or any other pet health issues. We are here to help and to serve!
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life &
WORK
| By Blanca Taylor |
Social Security encourages all Americans to take steps toward ensuring their financial security. Wherever you are in life — starting your first job, beginning a family, or getting ready to retire — it’s never too late or too soon to start planning for the years ahead. We’re here to help, and we offer a suite of online tools you can use to plan for a secure future for you and your family. Your personalized Social Security Statement is among the many resources available to you through your online my Social Security account.
OUR ONLINE ESTIMATES HELP YOU PLAN FOR RETIREMENT AND MORE This important planning document allows you to: • Verify your lifetime earnings history; • Estimate the Social Security benefits you’ll receive at retirement age; • See if you qualify to receive disability benefits if you become gravely ill or injured; and • Learn how your spouse and children may be provided for when you die. You can open your own my Social Security account at www.socialsecurity.gov/ myaccount. Another tool you can use to estimate your possible monthly benefit amount is our Retirement Estimator at www.socialsecurity. gov/estimator. It shows you how much you may be eligible to receive based on different scenarios, like different future earnings amounts and various retirement dates. To learn more about your retirement benefits, you can read Your Retirement Benefit: How It’s Figured and When to Start Receiving Retirement Benefits at www. socialsecurity.gov/pubs/. We also encourage you to review the other online benefit estimates available from Social Security, because responsible planning includes contingency plans.
To learn more about the important safety net Social Security provides if you become disabled or die, visit www.socialsecurity.gov/disability and www.socialsecurity.gov/survivors. Social Security is with you through life’s journey. Get to know us at www.socialsecurity.gov.
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PROTECT THREE
Key Goals WITH LIFE INSURANCE | Cleve Grissom |
September is Life Insurance Awareness Month. And “awareness” is an appropriate designation, because many people remain unaware of the many ways in which life insurance can help families meet their key financial goals. Here are three of the biggest of these objectives, as seen through the eyes of a hypothetical couple, Jim and Joan:
Pay off mortgage–
Jim and Joan have a 30year mortgage. If one of them dies well before that mortgage is paid off, could the other one afford to keep making payments to remain in the house with the children? It might be quite difficult – many families absolutely need two incomes to pay a mortgage, along with all the other costs of living. At the very least, the death of either Jim or Joan would likely put an enormous financial strain on the surviving spouse. But
with the proceeds of a life insurance policy, the survivor could continue making the house payments – or possibly even pay the mortgage off completely, depending on the size of the policy and other financial considerations.
Educate children–
Higher education is important to Jim and Joan, and they’d like to see both of their young children eventually go to college. Of course, college is expensive: For the 2016-17 school year, the average cost (tuition, fees, room and board) was about $20,000 for in-state students at public universities and more than $45,000 for private schools, according to the College Board. And these costs are likely to continue climbing. Jim and Joan have started putting money away in a tax-advantaged 529 savings plan, but if something were to
happen to one of them, the surviving spouse might be hard pressed to continue these savings at the same level – or at any level. But the proceeds of a life insurance death benefit could be enough to fund some, or perhaps all, of the college costs for Jim and Joan’s children.
Provide for family’s future – Jim and Joan's
future income is their most valuable asset as they continue working. However, an unexpected death could leave this dual-income family with a single income that may not cover all financial obligations and retirement contributions – or even preserve the family's current lifestyle. Life insurance could help cover these needs. Plus, the death benefit to the family may be tax-free. Clearly, a life insurance policy could allow Jim or Joan to continue on with life, despite, of course, the
devastating emotional loss of a partner. But how much insurance should they own? You might read that most people need a death benefit of seven to 10 times their annual income. This might be a good starting point, but everyone’s situation is different. You should consider all factors – including liabilities, income replacement, final expenses and education – to get an accurate picture of how much insurance is appropriate. A financial professional can help you with this calculation. During Life Insurance Awareness Month, take some to time review your insurance situation. You may already have some life insurance, but it’s a good idea to review your coverage to make certain the amount and type of insurance is still appropriate for your needs. As we’ve seen, the right coverage can make a huge difference in the lives of your loved ones.
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. For more information on investing your money please contact Cleve Grissom at 407-891-7833.
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COMMUNITY COMMUNITY & PLAY
“We’re Here to Stay”
HOW ONE WOMAN SAVED TWO RESTAURANTS AND STARTED A FAMILY BUSINESS | By Charlie Reed |
Whether you're an Osceola County native or a Central Florida transplant, you've probably enjoyed a meal at Fat Boy’s Bar-B-Q in Kissimmee – or it's at least been recommended to you a time or two. And if you’re a regular there, or at nearby Pizza City, then you probably know Chris Carter. She bought Fat Boy’s earlier this year from longtime co-owners (and cousins) Dennis Mayer and Jim Scheirer. Jim helped his father open the restaurant in 1971. After nearly 50 years in business, it’s one of Osceola County’s most well-known eateries and is “here to stay,” Chris said. A Kissimmee native, she worked as a server and dining room manager at Fat Boy’s for 18 years. In 1995 she moved down Highway 192 to Pizza City, another family-owned, local favorite. After working there for nearly 17 years, she jumped at the chance to buy it in 2012.
“I just knew it was right,” Chris said. After working in restaurants all her life, she was finally ready to own one. “I knew the business side, how to order and basically how do everything, so I didn’t even hesitate,” she said. “It was the same thing with Fat Boy’s.” And so after an initial buyer backed out, Chris made her move and soon bought her second restaurant. The community -especially the folks who “need” a regular Pizza City and/or Fat Boy’s fix -- was ecstatic when she took over. Still, she hasn’t been immune from the naysayers who thought she couldn’t do it. “I’m just like, watch and see,” she said. “Sometimes people can be condescending because I’m a woman. They don’t think I can do the job. But I just keep working and don’t let negativity bring me down.” Years ago, Chris considered
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getting out of the business -- a busy, often exhausting industry. “I tried real estate and hated it,” she told Osceola Woman on a recent afternoon in between the lunch and dinner crowds at Fat Boy’s. Despite the long hours, constant bustle and hot kitchens, she realized working in restaurants is what she loves doing. “I just enjoy it. I love putting a smile on someone’s face. Getting to know the regulars and interacting with customers is my favorite part,” she said. But she also knows how to do -- and often does -- every job in the
house, from cooking and ordering to serving, greeting and ringing up checks. These days she spends more time at Fat Boy’s than Pizza City. She hasn’t changed much at either place and doesn’t plan to; just a few tweaks here and there, like adding homemade desserts to the menu, opening earlier for breakfast and experimenting with different house specials. “I’m really handson, that’s just how I like to run things. I really trust and rely on my managers and staff, but I am part of the dayto-day operations at the restaurants.” Since buying Fat Boy’s, Chris and her
“I don’t want these two restaurants going anywhere.” family have moved back to town after nearly 20 years in Clermont. Now that she owns and operates two of the county’s most popular restaurants, she thought it was time to return to her hometown.
ropes at Fat Boy’s and has taken over its busy catering schedule. The 25-year-old quit a management position at Publix -- where she’s worked since the age of 16 -- to help her mom full-time after
“It’s awesome to come back. I just like Kissimmee. It’s grown a lot, but it’s still home.” It’s also home again for Chris’s daughter Danielle Avera, who was 5 when she and her parents moved to Clermont. She bought a house in St. Cloud last year to help her mom run Pizza City. She knows that business inside and out after working there with her mom every Saturday when she was a kid. She’s now learning the
she bought Fat Boy’s. She still works at the grocery store a few days each month to maintain her health benefits. But leaving her job to work for her mom wasn’t a hard sell, she said. “It was really a family decision. Me and my mom and my dad sat down and talked about it. I was my decision. I wanted to build a future us, for our whole family. Plus, my mom my would like to retire at some point,” Danielle said.
“Or at least not work seven days a week," Chris chimed in with a smile. The mother-daughter duo share the same work ethic, which basically is: Don’t ask anyone to do something you can’t do yourself. “If something needs to be done, you just do it. I don’t know it all by any means, but I like to take the initiative. I'm taking it in a stepby-step process,” said Danielle, who's learning how to negotiate prices with vendors and other such finer points of operating a restaurant. “If there’s a lesson to be learned, I’ll probably learn it the hard way,” she said. But what Danielle lacks in exPerience she makes up for with a corporate edge, thanks to her years working at Publix. “She’s thinks corporate. I think small business. So we both help each other from that perspective,” Chris said. “If anything, Danielle is hard on too hard on herself.” Having your only child as your right-handwoman and business partner is something
Chris never thought would happen, but she considers it a blessing. “I didn’t want her to end up regretting anything by coming to work here,” said Chris. But like her mom, Danielle knows delights in getting to know customers and is energized by the work even at its toughest. Every Sunday morning, she, her boyfriend and her father meet for breakfast at Fat Boy’s. Chris stops to chat with the family and occasionally get to sit down and join them if it’s not too busy. “Then again if they need any help, I can jump right in,” Danielle said. Both women are working on strategies to grow Fat Boy’s dinner service, which dropped off when it looked like it was going to be sold and turned into a fastfood restaurant. “But we’re doing really good over all. We're here to stay," Chris said. “I don’t want these two restaurants going anywhere.”
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OSCEOLA
United
There’s been an outpouring of support for Sgt. Sam Howard and Officer Matthew Baxter since the two officers were killed in the line of duty near downtown Kissimmee on Aug. 18. Shock and heartbreak followed in the aftermath of their deaths. But Osceola County residents and law enforcement agencies from around Central Florida have rallied around the families of the fallen officers, including their brothers and sisters at the Kissimmee Police Department. When cops are killed on the job, the dangers they confront daily come into sharp relief for the general public. Law enforcement officers risk their lives to protect ours, and when the worst happens -- as it did in August -- the whole community grieves. Sgt. Howard and Officer Baxter were both husbands, both fathers, both diligent officers of the law. They were killed on patrol together less than two miles from KPD headquarters in downtown Kissimmee. The area has become a gathering point for memorials and fundraisers that have drawn thousands of mourners.
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COMMUNITY MOURNS FALLEN KPD OFFICERS | By Charlie Reed |
Tributes began immediately following coverage of the shootings on local news. Baxter, 27, died on the scene that Friday night. Howard, 36, died in the hospital early the next morning. By then, the flag at KPD was flying at half-staff and a makeshift memorial had been erected outside police headquarters and adorned with candles, flowers, cards and other offerings. Within 24 hours, “Back the Blue” signs adorned homes, businesses, and cars across Osceola County. A narrow blue line across a black background has come to symbolize support for fallen police officers, as well as those who serve on the force. You didn’t have to know Howard and Baxter to feel the pain of their loss. The grief was almost palpable.
Several fundraising events for the officers’ grieving families were organized by downtown business owners, city employees, and concerned citizens. They quickly helped bring the community together for a good cause and to show solidarity for the fallen officers. On the night before their funeral, Osceola Woman teamed up with Breeze Whiskey Lounge and other local businesses for a special “Back the Blue” night market. The parking lot at Breeze and Makinson’s Hardware bustled vendors and shoppers who spilled out onto East Dakin Street. The raffle at Breeze raised more than $1,000 in just a few hours thanks to donations from business owners in Kissimmee, St. Cloud and throughout the county.
Meanwhile, vendors sold everything from local jam and barbecue to art and jewelry, with all proceeds going to a special fund set up by the city of Kissimmee for the officers’ families.
Marketplace, set up a memorial rock painting station with help from “Osceola Rocks.” The event was somber but inspired, leaving most who attended -- which
emotional event where officers performed a three-volley salute, sounded Taps and folded the flags from their coffins. Howard’s family was presented with a flag from the U.S. military in
Kissimmee Main Street sold T-shirts with a special hashtag: DTK4KPD, short for Downtown Kissimmee for Kissimmee Police Department. Some vendors were focused on moral support, like our publisher Jena Threadgill. She gave attendees the chance to express their condolences by writing notes on paper police badges. Jeremy Lanier, from Lanier’s Historic Downtown
included dozens of offduty law enforcement officers and their families -- with a sense of hope. The next day, when Howard and Baxter were memorialized by KPD, deputies and support staff from the Osceola County Sheriff ’s Office took turns covering shifts at the department so KPD staff could attend the service. Thousands more also came to the ceremony. It was an
remembrance of his Army service. The shooting and funeral garnered national news coverage and attention. Speaking at the memorial, KPD Chief Jeff O’Dell urged locals to stay involved. “We’ve got to figure out a way to sustain the momentum and the sense of community that we’ve had,” O’Dell said. Before the funeral ended with a prayer and bagpipe players performing “Amazing
Grace,” Kissimmee Police gave the end of watch call for the officers. The police funeral ritual signifies an officer’s final radio sign-off. In this case,
the last radio call was made on behalf of both fallen officers from KPD. “10-7, Sgt. Sam Howard and Officer Matthew Baxter are out of service on this date, Thursday, Aug. 24, of 2017,” a dispatcher’s voice rang out over the church speakers. “Rest easy, gentlemen. We have the watch from here.”
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COMMUNITY COMMUNITY & PLAY
r HIGHLIGHTS i a h t a e r G eek! start here all w | By Victoria Quednau |
SUNDAY
Schools back in session and that means back to the grind. Switching over from summer time leisure to juggling school, work, a social life and getting to the gym can be tricky. During that time, we are here to make your life a little easier while helping you look more fabulous…it’s a win-win, we know! You may have heard that you shouldn't wash your hair every day, and that’s true, however some people can’t even bear the thought. For me dirty hair means 20 minutes extra in bed, but no matter what your hair washing schedule may be, I’m going to do two things for you:
As Sunday night rolls around and you prep yourself for the week ahead, give yourself an invigorating shampoo with Paul Mitchell Tea Tree shampoo and conditioner. This is where most the work goes in; time to blow dry your hair and break out your curling iron. Curl your hair a little tighter to give it room to loosen up and fall. When you're done, twist your hair up onto the top of your head; this will help keep your curls and avoid bed head, in the morning.
1. Introduce you to your new BFF - dry shampoo.
TUESDAY
Whether you rock these cute styles yourself or use them on your little ones before you send them on the bus, I promise you these are all simple to do and you might just have the best hair in the office or classroom!
On Tuesday, a simple half up half down is always a good go to. Wear it all back off your face or leave a little bang down. Just make sure you take a piece of your pony tail to wrap it around your hair tie to hide it. *Quick tip - crisscrossing two bobby pins is the way to hold anything in your hair. *Break out that dry shampoo whenever you need girl! Shake and spray around your hair line, part and in the crown area. Letting it sit for a few and then shake your hair out. Rub it all in and just like that you have fresh looking locks my gal pals.
Hairstyles, haircare tips & tricks, fashion news and much more monthly from the stylists at Victor Russell Salon. A full service, Paul Mitchell Focus Salon located at 105 East 13th street in St. Cloud Florida 34769.
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MONDAY
2. Give you five different hair styles to get you through the week without washing your hair, all but once.
When Monday morning rolls around, shake your hair out and touch up anything that needs fixing. Flip your head upside down and spray it with hairspray. The lived-in look is in, so don't worry about it being perfect!
WEDNESDAY Add a little spice to your Wednesday with a side braid with a twist. Before starting with your average French braid, twist from the thinner side of your hair along the nape of your head until all your hair is gathered to one side. Then, split your hair in three and do a normal French braid half way down; then, tie off your braid using the hide the hair tie trick! If your hair is long enough, finish it off with a fishtail braid for a style filled with texture.
THURSDAY
Thursday is a time for Buns Buns Buns! Place all your hair behind you and split your hair into three pony tails. Starting with the middle one, split that pony tail into two twisting them all the way to the bottom and securing it with hair an elastic. Then, twist each section up, like a ballerina bun, and pin it against your head. Do the same for the other two pony tails and pin the buns in place. Finally, pinch and pull at the buns to make them fuller.
5 styles b just 1 was ut h! FRIDAY
Push through your dirtiest hair, knowing it is Friday; but know that dirty hair makes braiding easier. Adding one or two mohawk braids to a simple messy bun makes it less messy, and trendier! By making a middle part, braid two braids going back, adding to it until you get to the crown of your head; then finish braiding what hair you have and secure it with an elastic. Gather the hair from behind your ears up to the crown of your head, leaving the
braids out, make a messy bun. Finally take the two braids, and twist them around the bun then pin them in place.
So, there you go, girls! Go ahead and give it a try‌ don’t worry you can thank me later! Share these cute styles on your social media! #VRSelfie #osceolawoman
SEPTEMBER/OCTOBER 2017
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884 Towne Center Drive
407.846.3912
407.518.0880
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COMMUNITY COMMUNITY & PLAY
RICE KRISPIE TREAT PUMPKINS PREP TIME: 20 MINUTES | TOTAL TIME: 20 MINUTES
Ingredients • ¼ cup butter • 1 bag large marshmallows (approximately 40 marshmallows) • 6 cups Rice Krispies • Red & Yellow Liquid Food Coloring • Mini Rolos • Green M&M's • ¼ cup cooking oil in a small bowl (to keep it from sticking to your hands)
Instructions
In a large pot, melt the butter over low heat. Add the marshmallows and stir until completely melted and combined with the butter.
Coat both sides of your hands with a generous amount of cooking oil, and roll the Rice Krispie mixture into small balls. Set on parchment paper. Add oil to your hands after each ball.
Remove from the heat. Add several drops of yellow food coloring, mix it together, then add red food coloring one drop at a time, mixing as you go. Add red/yellow drops until you reach your desired color. (I used about 4 drops red and 12 drops yellow). Mix well.
While the balls are still warm, gently press a Mini Rolo into the top of each pumpkin for the stem and add a green M&M beside it as the leaf. (Tip: If the pumpkins cool before you're finished, use the end of a thick marker or apple corer to make a small indent in the top for the chocolate to sit in.)
Add the Rice Krispies and stir to combine.
Allow to cool until firm.
CABO TACOS WITH STEAK AND GRILLED PINEAPPLE SALSA
PREP TIME: 2 MINUTES | COOK TIME: 10 MINUTES | MAKES: 4 TACOS
Ingredients • 2 Cups Tyson® Grilled & Ready® Steak Strips • Whole Wheat Tortillas • Queso Fresco • Limes • Lettuce, chopped Grilled Pineapple Salsa • 4 Slices Fresh Pineapple • ¼ Red Onion, chopped • ½ Teaspoon Honey • ¼ Teaspoon Cumin
• 1 Large Tomato • ½ Lime, juiced • ¼ Teaspoon Chili Powder • Pinch of salt
Instructions
Heat a large skillet to medium heat, and add the steak. Cook for 3-5 minutes or until hot. Remove from heat and set aside. Meanwhile, heat a grill to medium high heat and add the pineapple slices. Grill on each side for 1-3 minutes depending on thickness of fruit. Remove from grill and chop. In a small bowl add the chopped pineapple, tomato, onion, lime juice, honey, cumin, chili powder and salt. Mix to combine.
In the same pan that you cooked the meat, turn the heat to medium and add the tortillas. Cook until warmed on each side. Remove from the heat and fill with steak, salsa, lettuce, cheese, and a squirt of lime juice. You can make the salsa a little spicy by adding a chopped jalapeno!
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