Seniors Today February 15th 2013 by Brandon Nickles

The Senior Newspaper Serving Volusia & Flagler Counties For 22 Years—COMPLIMENTARY COPY

February 15, 2013

Special Financial Planning & Senior Rights Issue

Elder Law & Medicaid Qualifications ..............A-5 Uncle Sam Wants You To Save For Retirement A-8 Avoid Elder Financial Abuse ............................A-9 Before You Retire, Plan Your Life ....................A-11 Protect Your Financial Information..................A-11

Visit Us Online At: seniorstodaynewspaper.com

Shopping In The AM

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his was an early morning experience. I rarely get out and about in the wee hours of the morning unless it is a workday… but I had an 8:30 appointment to have my hair done. All went well and by 9:40, I was on the way to the grocery store. That was truly an unexpected experience and required lots of patience. It seems that most people who use the motorized carts shop early in the morning. Everyone is shopping for the same items. It’s interesting how we would line up for the cheese, wait a while, then decide to go around the cart in front and on to the next item. While at the new location, the motorized cart would pass again and slow down in front of you and stop for the milk. It is similar to a NASCAR RACE but in slow, slow motion. Actually, it is quite wonderful that so many things have been invented to assist, even as we age and require so much more to allow us to manage for ourselves. Having left home without breakfast, the next stop was at the small café that serves breakfast and lunch only. Yummy! Once inside, I did a quick scan, spotted one empty table, and headed in that direction. Just as I got there another person appeared and sat down. I have tried to eat at this café on several occasions but it is fairly small and always seems to be filled with diners.

I spotted some friends and chatted with them for a few minutes and decided to go home for a cup of coffee and a piece of toast. Next, television… where Family Feud was pitting one family against the other. Then The View. Oh, yes, The View, where they were being served cocktails by the Chippendale men… those well–developed muscular souls who entertain in Vegas. In their black pants, white cuffs, and bow ties, they served several styles of cocktails to the

You Name It …by Kitty Maiden

panel members. The fifth Chippendale dancer came out carrying a tray with five coffees topped with whipped cream. Before he arrived at the table, the coffees toppled and spilled all over him, the tray, and the floor. He handled it so nicely that you had to wonder if the spills were planned. I realized it was time to write for our paper. Prepared to wish each of you a Happy Valentine’s Day… I soon realized that by time you read this, that day will have passed. How about “Have a good morning” or “Have a nice day?” That’ll be just fine.ST

Kitty Maiden is a staff writer for Seniors Today.

Community Open Forum

Educational Series

FREE HEARING TEST

You are Invited to a Complementary Dinner Seminar: When: Wednesday, February 27, 2013, 6 to 8 pm Where: Florida Hospital Flagler Lind Education Center, Classrooms A/B 60 Memorial Medical Parkway, Palm Coast, Florida 32164 Speaker #1: Michael D. Chiumento, founding member of the law firm of Chiumento Selis Dwyer, PL. His topic will be:

Importance Of Establishing A Florida Domicile

2 LOCATIONS TO SERVE YOU NORTH

SOUTH

For the past 40 years, Mike has represented individuals, their families, and local businesses in all types of issues including personal injury matters, real estate, and business law, and estate planning and probate. Mike is a member of the American Bar Association, Florida Bar Association, and Flagler County Bar Association. Mike now concentrates his practice in elder law, probate, and trust administration and estate charitable and family wealth transfer planning. Speaker #2: Rona S. Fingold, is a tax attorney with over 25 years of experience in estate planning and tax. Her topic will be:

Charitable Giving In 2013 And The Impact Of The American Taxpayer Relief Act Of 2012

1275 W. Granada Blvd., Ste. 5A, Ormond Beach

1301 Beville Rd. #20, Daytona Beach

386-256-4880

386-872-3661

Open Monday-Thursday • 9:30 A.M. to 3 P.M. Individual experiences may vary depending on severity of hearing loss, accuracy of tests, proper fit and ability to adapt to amplification.

Page A-2—Seniors Today—February 15, 2013

She currently serves as the Director of Tax and Estate Planning for Lexington Family Office, a multi-family office with its principal place of business in Daytona Beach. Ms. Fingold acts as Lexington's lead tax and charitable planning strategist and assists with the formation of Family Strategic Plans. As such, she provides sophisticated estate and gift tax planning services to high net-worth individuals and closely held businesses. She is a graduate of Boston University School of Law where she also received her Masters of Tax Law. She resides in Ormond Beach with her husband, Dr. James Solomon.

For more information or to RSVP call (386) 586-4440

Reverse Mortgage Government Changes Announced Call me today to see how these changes can affect you.

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Our Guarantee To You! 1. We will meet or beat the competition. 2. All calls are returned the same day. Serving Florida For 10 Great Years!

Glenn Russell 386-547-6128 FL LIC MB0854580 and NMLS #224836

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Volusia & Flagler Counties Reverse Mortgage Provider February 15, 2013—Seniors Today—Page A-3

Seniors Today 360 S. Yonge, Street Ormond Beach, FL 32174 Phone: (386) 677-7060 Fax: (386) 677-0836 Website: seniorstodaynewspaper.com Published by Schillinger Enterprises, Inc. General Manager Bonnie Schillinger Editor Bonnie Gragg Staff Writers Kitty Maiden Peggy & George Goldtrap

Seniors Today is published and distributed free every other Friday to inform, entertain, and serve those over the age of 50. Deadlines: The deadline for advertising is Friday, 5 P.M., one week prior to the Friday publication date. Advertisements and copy: All advertisements and copy is believed to be truthful and accurate. Seniors Today reserves the right to edit, revise, or reject any advertising and/or submitted articles for publication. Advertisements are the sole responsibility of the advertiser. Advertisements and copy in Seniors Today are not meant to be an endorsement of any product, service, or individual. All editorial copy and by lined articles are the opinion of the writer and are not necessarily the view, opinion, or policy of Seniors Today. Errors and Omissions: Neither the publisher nor the advertiser are liable for mistakes, errors, or omissions. The sole liability of Seniors Today to an advertiser is to reprint the corrected ad in the next issue. Copyright Warning: Pursuant to Federal Copyright Law, all material contained within this publication which was created, designed, composed, written, typeset, imageset, or prepared in any way by Seniors Today remains the sole property of the publisher and cannot be reproduced in whole or in part without the written permission of Seniors Today. This pertains to the duplication of either advertising or non-advertising material. Notice of copyright appears on page one of this and all issues.

What’s Happening Around Town… Open Forum Educational Series Make plans now to attend this community open forum educational series and enjoy a complementary dinner too! Florida Hospital Flagler Foundation and HospiceCare, 60 Memorial Medical Parkway, Palm Coast will host two seminars: Importance Of Establishing A Florida Domicile, with speaker attorney Michael D. Chiumento and then Charitable Giving In 2013 And The Impact Of The American Taxpayer Relief Act Of 2012 given by tax attorney Rona S. Fingold. Seminars are from 6–8 P.M. on Wed., Feb. 27 at the Florida Hospital Flagler Lind Education Center, Classroom A/B. Call 386-586-4440 to RSVP.

Free Caregiver’s Day Need a break from caregiving? First United Methodist Church of Ormond Beach is providing free Caregiver’s Days Out that includes food, fun, and special attention for care receivers. The days are from 9 A.M. to 2 P.M. on Thurs., March 21; Thurs., April 18; Sat., May 18; and Thurs., June 13 at First United Methodist Church of Ormond Beach. For information, call Sherry at 386-677-3581, ext. 311. This is a wonderful opportunity for caregivers to have a break and know that their loved ones are being cared for.

Bridge Lessons Join Jim Geary for Bridge lessons starting Mon., Feb. 18 at 9 A.M. at 600 Driftwood Ave., Daytona Beach. The first lesson is free after that it is $6 for non-member and $5 for members for this weekly series of lessons. There will also be free refreshments and handouts. Call 386-441-7562 for information.

Lunch Bunch Holy Cross Lutheran Church, 724 Big Tree Road, South Daytona host Lunch Bunch every Thurs. at 12 NOON. Just $5 gets you lunch and bingo with non-monetary prizes. Reservations are required by noon the Tuesday prior. Call the church at 386-767-6542.

Free Computer Classes Knowledge is just a click away at the New Smyrna Beach Library, 1001 S. Dixie Freeway. Upcoming classes include: Computer Basics on Wednesday, Feb. 13, 9:30 A.M.; E-mail And Attachments on Wednesday, Feb. 20, 9:30 A.M.; and E-books And E-readers on Wednesday, Feb. 27, 9:30 A.M. Registration is required. Call 386-424-2910, ext. 104 to reserve your spot or stop by the library.

Page A-4—Seniors Today—February 15, 2013

Calling All Vendors

Long-Term Care

Sign up now to fling into spring Hawaiian style at the Seniors Today Spring Fling Luau! All vendors are invited to join the fun as Seniors Today newspaper once again hosts a day of entertainment, fun, food, exhibits, door prizes, and more. This fun-filled event is housed totally indoors and absolutely free for our seniors on Tues., March 19 from 9 A.M. to 1 P.M. All this fun takes place at the Holy Cross Lutheran Church, 724 Big Tree Rd., S. Daytona. Vendor tables starting at just $150. Advertising and sponorships available too! To find out more, call 386-677-7060.

Would your family be financially protected if you became incapacitated and needed long-term care?Attorneys Michael Pyle and Trisha Dellinger will present a program and answer questions regarding financial planning for longterm care from 2 to 4 P.M. Wednesday, Feb. 27, at the Daytona Beach Regional Library at City Island. The attorneys will explain the types of care covered by long-term-care insurance and Medicaid. They also will address assets owned by single and married people, assets versus income, when to plan, and techniques for qualification. Reservations are not required to attend. For info, call Deborah Shafer at 386-257-6036, ext. 16264.

Financial Seminar Learn how to achieve your financial goals. Join GrandVilla, 535 N. Nova Rd., Ormond Beach, for this free informative seminar Presented by Nancie T. Moody, Financial Advisor where you’ll learn how to build your investment income foundation on Wed., Feb. 27 at 11 A.M. You will learn about: Key Steps To Achieve Your Goals; How To Determine Your Portfolio Objective; Three Types of Income; and Monthly Income Strategy. Refreshments will be served and the seminar is free and open to the public. To be our guest, please RSVP to 386-868-0723.

Parkinson’s Meeting The Parkinson Association of Greater Daytona Beach is pleased to announce that Local Elder Law Attorney Randal L. Schecter will address its association member group. Randal’s topic will be Medicaid Planning And Asset Protection. The event will be held at Bishop’s Glen Retirement Center (auditorium) at 900 LPGA Blvd. in Holly Hill on Wednesday February 27 from 2:30–4 P.M. Seating is limited—reservations for this event are required no later than Monday, February 25. To RSVP or for more information on this or other upcoming Parkinson Association events, please contact Vince Kinsler at 386-676-6375.

Learning, Living & Laughing Series Bishop’s Glen, 900 LPGA Blvd., Holly Hill has a series of free seminars or meetings you won’t want to miss during the month of February. Events include: Caregiver Support Group on Wed., Feb. 20, 1:30 P.M.; Enhancing Your Life Through Wellness on Fri., Feb. 22 at 10:30 A.M.; and Parkinson’s Monthly Group on Wed., Feb. 27 at 2:30 P.M. Please RSVP to 386-226-9110.

Travel Club Did you put travel plans on your list of resolutions for this year? You are invited to join a travel club sponsored by High Performance Cruise & Travel. There is no membership fee and you will receive a quarterly newsletter. The meeting will be held Wed., Feb. 27 from 9:30 –11 A.M. at the Daytona Beach Municipal Golf Course Club House Restaurant. The presenter will be Mel Figueroa, Business Development Manager from Royal Caribbean Cruise Lines. The seminar is free and breakfast is on your own. Please call 386-252-4423 or e-mail danny@highperformancetravel.com for an application.

Support Groups Alcoholics Anonymous Alcoholics Anonymous is a fellowship of men and women who share their experiences, strength, and hope. The only requirement for membership is a desire to stop drinking. There are no dues or fees. Please call toll free, 888756-2930 for more information.

Osteoporosis Support The National Osteoporosis Foundation Education & Support Group of Ormond Beach will be presenting an educational series at the Ormond Beach Library Auditorium, 30 S. Beach St. Mark you calendar for these sessions. The first session will be Resolve To Have Healthier Bones In 2013 on Tues., Feb. 19 at 4 P.M. The second session will be Safe Movement For Your Upper Body And Spine on Tues., March 12 at 4 P.M. The third session will be Safe Movement While Walking With Exercise Poles on Tues., April 9 at 4 P.M. The fourth session will be Safe Movement For Your Lower Body And Spine Tues., May 14 at 4 P.M.

Elder Law And Medicaid Qualification lder law is an interdisciplinary field of law, in which the attorney considers issues affecting aging clients when advising about other areas of law. Elder law attorneys consider the effects of age and possible need for nursing home care in creating wills, trusts, powers of attorney, and health care designation documents. Elder law attorneys also consider the ramifications of transferring assets, when asked to prepare deeds and other transfer documents. One of the most common uses of elder law attorneys is to assist in obtaining Medicaid to defray the cost of long-term nursing-home care. If medical and financial eligibility standards are met, Medicaid assistance may be available. Although Medicaid is a federal program, each state has different rules, and Florida is among the most unique, especially in regard to the treatment of homestead property. Elder law attorneys assist in determining whether the person receiving care (the applicant) qualifies for Medicaid in regard to level of care, income, and assets. One does not need to wait until all the money is gone. There are legal techniques available to preserve assets and qualify for Medicaid assistance. One should not attempt to move assets for the purpose of qualifying without professional advice.

Medicaid involves nursing home level of care, although there are similar, related programs available for home health care and certain other types of facilities. If one receives too much income, there is a procedure for qualifying in spite of it. Determining countable assets and what can be done with them is a very complicated procedure. Income and assets are treated differently if there is a spouse at home than when the applicant is unmarried or widowed.

Leave It To Lynn!

Beginning Bridge Lessons

Companion & Errand Services We specialize In Serving Seniors

Lynn Taylor 386-232-1222 Ormond Beach Website: lynnserrands.com e-mail: lynn@lynnserrands.com Lic. • Bonded • Insured

Epiphany Manor 4792 S. Ridgewood Ave. Port Orange 62+ or Disabled Income Eligible Call For Application 386-767-2556 TTY: 1-800-955-8771

Elder Law …by Michael A. Pyle Transferring assets without advice can cause serious, unexpected consequences. One should be careful of generalities or how they heard that somebody else qualified. Every situation is different. Elder law attorneys can help to address the overall picture involved in dealing with the legal aspects of aging and provide peace of mind to clients and their families. Attorney Michael A. Pyle, of Pyle & Dellinger, PL, 1655 N. Clyde Morris Blvd., Suite 1, Daytona Beach, Florida, 32117 Telephone: 615-9007. E-mail: mikep@py lelaw.com or www.pylelaw.com

Ages 9…

Let Us Show You How To Purchase A Home With A Reverse Mortgage! Call Us Today At

386-547-6128

Play …to 99

The Exciting & Stimulating Game of Bridge 1st Lesson Free Weekly Series of Bridge Lessons Starts Mon., Feb. 18 • 9 A.M. to NOON The first lesson is FREE! $6 non-members • $5 members FREE handouts & FREE refreshments!

Bridge is a wonderful social activity! Challenging! Make new friends! Partners guaranteed!

Question? Call Jim Geary (386) 441-7562 bridgeinmyheart@aol.com

600 Driftwood Ave. Daytona Beach, FL 32118

See You There! Bring Your Friends!

February 15, 2013—Seniors Today—Page A-5

I Sell Happiness by Peggy Goldtrap

A Craig A. Miller, DO Board Certified Family Practice

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Family Practice • Geriatrics • Allergies Flu Shots Now Available

Accepting New Patients 1400 Hand Avenue, Suite K Ormond Beach (386) 673-0517 Call For Appointments On Staff At: Florida Hospital-Ormond Memorial Florida Hospital-Oceanside & Halifax Medical Center Visit us at our website: Sandpipermedical.com

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Page A-6—Seniors Today—February 15, 2013

mong the many hats I wear, is that of REALTOR. I sell happiness. When GAG and I moved to Florida in 1998, I found I had more spare time than ever before. After miles of beach walking and experiencing the Florida bend-over-and-pick-up- treasure, I thought it was time to pursue a long-held dream. For some reason I have always had the ability to remember floor plans. Every house I ever lived in from the caves of memory to present time can be scratched out on a piece of paper. Why? Who knows? Who cares? When GAG and I traveled, I always picked up the real estate magazines. By the time we arrived at our destination the car would be full of roadside magazines with dog-eared property. In other words real estate was not a Johnny-come-lately, idea, but a simmering stew of ‘someday’ plans. I discovered that real estate is a roller coaster ride and admission to the park is expensive. Realtors, brokers, and others must pass a rigorous examination (I’ve heard Florida has one of the toughest exams in the country) and they must have hours of continuing education to keep their license current. In addition there are fees, memberships, and often multi-licensing levels and designations. Hard-earned commissions are split between Realtor and Broker and commissions are earned after hours of direct and behind the scenes interaction, investigation, and research. No money is passed until a sale is complete. What’s the up side? I and many other agents love to work with people, especially people who are looking for home or retirement property. When people begin their search, the agent becomes an investigator who knows the area, the market, and tries to understand the personalities and negotiated numbers between buyer and seller. Matching those two, seller and buyer, is a challenge. We all have dreams and as best as possible, I want to marry dreams to reality. Bliss occurs early sometimes, but can take years of e-mailing, photography, video use, on-site viewing not to mention the everpresent financial officer. Since the market downturn, many sales are cash; certainly easier to process, but not necessarily a ticket to a rapid decisions. People get emotional about property. Selling a home is seldom a simple number transaction; it involves memories and often regret. Homes can be For Sale because of family disruption, death, or divorce, so occasionally pain is involved. The REALTOR must be sensitive and aware. On the other hand, some people sell because they have a vision or goal and want to make the next move forward. There are rainbow reasons to sell, but a pot of gold is envisioned. Buying a home is a financial consideration, obviously, but beyond an investment, every place has to ‘feel’ right. If beauty is

in the eye of the beholder, ‘feeling’ is in the heart and that’s the secret place Realtors can’t go. Knowing that, REALTORS must have patience. The perfect property that fits buyers’ criteria may not feel like a home, while something the REALTOR considers lesser value, becomes the Oh Wow moment. REALTOR’s cannot judge who, how, when, or what will finally appeal to a customer and they cannot push people to a decision.

Happy Talk …by George & Peggy Goldtrap Isn’t money the motivator? Don’t real estate agents make tons of money with little effort? I can hear the laughter from hundreds who have a license hanging somewhere. There’s not an active REALTOR who hasn’t lost a sale AT CLOSING. I used to get excited if I got a phone call and hardly contained myself if someone wanted a second viewing. Contract?... I’d start counting my money. Unbelievable, this real estate job is a piece of cake! Closing time?... I’d start spending my money. Experience is a wise but not gentle teacher. The devil is in the details of all sales and those details can become mountains of resistance. Now, after years in the field, I feel financially complete when we go to closing, I’m handed a check, I turn it over to the broker, I get a check and it clears the bank. Then I celebrate. So, where’s the happiness? When people who have searched for a property and dreamed their future, are handed the keys to their castle, it is a thrill to see and share their happiness. There is an enthusiasm and discovery that’s infectious. As they walk through the new home and open doors, stomp carpet, talk to each other about things they’ll change, imagine grandchildren playing on the swings, visualize where they’ll plant a garden, on and on. The joy I feel because I’ve played a part in this happiness is almost overwhelming. A home is not only a place to lay our head, it’s a place to plant our heart. Okay, so not every sale is an almost spiritual experience. There’s always a surprise element to every sale. Most recently, after a two year search, I found the perfect match for a wonderful family. Their joy helps me remember my first home in Florida. I’m lucky to be a REALTOR because whenever I begin to take my ‘blessing to live in Florida’ for granted, I run into newcomers who are once again, kids, kicking their toes in the sand. These are only a few reasons why many of us proudly wear the REALTOR hat and are thankful to say: We sell happiness. ST

George and Peggy Goldtrap are both actors, speakers, and writers and may be reached at georgegoldtrap@gmail.com

Canadians in Florida can find a TD Bank as easily as they can find a beach Great service and convenience for Canadians at over 1,300 TD Bank locations in the U.S. With TD Cross-Border Banking you can enjoy the convenience of over 1,300 TD Bank, America’s Most Convenient Bank® locations in the U.S., from Maine to Florida. Open a U.S. TD Bank account today and you can enjoy the benefits of easily transferring money between your Canadian based TD Canada Trust account and your TD Bank account in the U.S. You can also apply to TD Bank for a U.S. mortgage1 and credit card2 based on your Canadian and U.S. assets, income and credit history. All while being able to view both your TD Canada Trust and TD Bank accounts online on the same web page. Get the convenience you’ve come to expect in Canada while in the U.S.

Visit a TD Bank for all your cross-border banking needs. Visit tdbank.com/locator to find the location nearest you. Call 1-877-700-2913 for more information.3

TD Bank is TD Bank, N.A., a wholly-owned U.S. subsidiary of The Toronto-Dominion Bank. Member FDIC. Accounts issued by TD Bank, N.A. are not insured by Canada Deposit Insurance Corporation. 1. Subject to credit approval and other conditions. Mortgages limited to property located in U.S. state where TD Bank, N.A. has locations. Equal Housing Lender . 2. Subject to credit approval and other conditions. Applicants must be a resident of Canada or a U.S. state where TD Bank, N.A. has locations. 3. TD Bank, N.A. is located in the United States and its support line and stores are serviced in English. ®/ The TD logo and other trade-marks are the property of The Toronto-Dominion Bank or a wholly-owned subsidiary, in Canada and/or other countries.

February 15, 2013—Seniors Today—Page A-7

Rebecca M. Becker Elder Law Attorney & Mediator

Dedicated to helping you and your family be prepared for whatever life brings. “Legal preventive maintenance” for peace of mind. Providing for your health care, your loved ones, and your property through:

Tel: 386-672-4365 Ormond Beach, Florida www.BeckerLaw.net

• Health Care Directives & DPOAs • Asset Protection • Probate Avoidance • Medicaid • Wills & Trusts • Probate • Guardianships • Real Estate “Personal & Confidential Attention in a Comfortable Atmosphere”

The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about qualifications and experience.

I.V. Chelation Therapy An alternative treatment. Now available in Ormond Beach. Atherosclerosis Coronary Artery Disease Cerebral Vascular Disease For further information stop by, or call:

GRANADA MEDICAL CENTER Hana Chaim, D.O. Member of ACAM American College for Advancement in Medicine

595 W. Granada Blvd. ● Suite D ● Ormond Beach

676-2550 Page A-8—Seniors Today—February 15, 2013

Uncle Sam Wants You To Save For Retirement NAPSA f you ever feel your finances are too stretched to save for retirement, there could be good news for you. The Retirement Savings Contributions Credit, also known as the Saver’s Credit—a littleknown tax credit made available by the IRS to low- to moderate-income workers— could make saving for retirement more affordable than you think. It may reduce your federal income taxes when you save for retirement through a qualified retirement plan or an individual retirement account (IRA). The Saver’s Credit is particularly great because it offers many workers an added in-centive to save for their future retirement, while potentially lowering their tax bill today. Here’s how it works: 1. Check Your Eligibility For singles, anyone earning up to $28,750 in 2012 or $29,500 in 2013 is eligible. For the head of a household, the income limit is $43,125 in 2012 or $44,250 in 2013. For those who are married and file a joint return, the income limit is $57,500 in 2012 or $59,000 in 2013. (Income requirements are based on Adjusted Gross Income.) You must be 18 years or older by January 1 and cannot be a full-time student or be claimed as a dependent on another person’s tax return. If you fit within these parameters, the Saver’s Credit may be for you. Depending on your filing status and income level, you may qualify for a nonrefundable credit of up to $1,000 (or $2,000 if filing jointly) on your federal income taxes for that year when you contribute to a 401(k), 403(b), 457, 501(c)(18)(D), SEP or SIMPLE plan, or an IRA. 2. Save for Retirement If your employer offers a retirement plan, make sure you enroll. Or open a traditional or Roth IRA with the financial institution of your choice. If you are enrolled in your employer’s retirement plan, you may already qualify for the credit. In general, for every dollar you contribute to a qualified retirement plan or IRA, up to the lesser of the limits permitted by an employer-sponsored plan or the IRS, you defer that amount from your current overall taxable income on your federal tax returns. 3. File Your Tax Return and Claim the Credit When you prepare your federal tax returns, you then claim your Saver’s Credit by subtracting this tax credit from your federal income taxes owed. If you use a professional tax preparer, ask about the Saver’s Credit, called the “Retirement Savings Contributions Credit” on Forms 1040, 1040A, and 1040NR. Or if you use tax preparation software, be sure to use Form 1040, Form 1040A or Form 1040NR to file your return. The Saver’s Credit is not available with Form 1040EZ, although the IRS has

included instructions with the EZ directing you to a different form if you choose to claim the credit. Lastly, if you prepare your tax returns by hand, start with Form 8880, “Credit for Qualified Retirement Savings Contributions,” to determine your credit rate and corresponding credit amount. Then use Form 1040 or Form 1040A to file your return. Transfer the amount of the Saver’s Credit from Form 8880 to line 50 of Form 1040, line 32 of Form 1040A or line 47 of Form 1040NR. Have questions? See IRS publication 590, ask a tax professional or log on to the IRS website at www.irs.gov

The 13th Annual Transamerica Retirement Survey found that just 20 percent of American workers with an annual household income of less than $50,000 are aware that the credit exists. Don’t overlook Uncle Sam’s Saver’s Credit; it may help you pay less in your current federal income taxes while saving for retirement. ST

What If…? …something happened & you where no longer able to do the things that you do every day? …a disease, such as Parkinson’s or Alzheimer's’ took away physical or mental abilities? …professional care would cost $38,000 to $80,000 a year depending on the amount of care you need? Who would care for you?

Would your family incur financial hardship if they were to change their lifestyle to care of you? Where would you get the money to pay for care?

Call For Solutions: Paulette Reed Great American Insurance and Investments Ormond Beach

386-671-9150

greatamericanpr@yahoo.com

Avoid Elder Financial Abuse NAPSA

ince elder financial abuse decimates incomes, affects the health of its victims, and fractures families, here are steps you can take to protect yourself and those you care for: • Know the Facts and Stats. Most elder financial abuse is committed by strangers but about a third is by family, friends, or neighbors. • Stay Active. Socialize with family members and friends. Isolation can leave you more vulnerable to exploitation. • Monitor Your Affairs. Take your time and consult with people you trust before making important financial decisions. Check credit card and bank statements and bills for accuracy. Use direct deposit to prevent mail theft. Sign your own checks when possible. • Be Organized. Keep important papers and legal documents in a secure place. Review them at least annually. • Be Cautious. Be careful when responding to solicitations. Don’t let anyone pressure you into making an immediate decision. If it sounds too good to be true, it probably is. Speak with a family member or trusted friend before sending money or providing bank

account, credit card, or Social Security numbers to anyone.

Join The Travel Club! ou are cordially invited to join our travel club. We have many outstanding trips and tips for our members. Our primary focus will be on groups, but we do customized trips for individuals as well. Membership is free. During this year’s nine scheduled meetings, we will discuss trips that we have planned for the upcoming year.

Y • Protect Your Passwords. Don’t share passwords. Change them if you feel they’ve been seen or used by someone else. Immediately notify the company or bank if, when reviewing your financial statements, you see charges or transactions you didn’t make. • You can add your name and phone number to the National Do Not Call Registry at 888-382-1222. • Know What to Do if You’re a Victim. Don’t be afraid or embarrassed to discuss your concerns with someone you trust—relative, clergyman, bank manager, or an attorney. Knowing the resources you can turn to, including the police, your bank, and Adult Protective Services, can be the first steps in addressing the problem. By using these helpful tips you can be an advocate for yourself! ST

Cruises • Land Tours • All-Inclusive Resorts • Airline Tickets

Please Join Us: Wednesday, February 27, 2013, 9:30–11 A.M. Clubhouse Restaurant, 600 Wilder Blvd., Daytona Beach RSVP Required • 386-252-4423 Mel Figueroa, Business Development Manager from

Royal Caribbean Cruise Lines will be our presenter.

Please call 386-252-4423 or E-mail: Danny@HighPerformanceTravel.com for an application.

HIGH PERFORMANCE CRUISE & TRAVEL 386-252-4423 • 1-800-657-2237 2445 S. Ridgewood Ave. • South Daytona

SEASONS

The Place Where Friends Are Family

Seasons A Memory Care Community Every Detail Is Designed For Your Lifestyle • All licensed nursing professionals on site • A customized care plan for each resident • Medication management • Three nutritious meals daily • Weekly housekeeping and personal laundry • Incontinence management • Outdoor walking paths and gardening areas • Scheduled transportation • Secure, Coded Community

515 Tomoka Avenue Ormond Beach, FL 32174 386-671-2616

February 15, 2013—Seniors Today—Page A-9

Stop Pain Now With Acupuncture and Physical Therapy What A Relief! By Jessica Hartman I have suffered from severe jaw pain from TMJ for over 2 years. I have attempted several expensive treatments in the past, which did not give me pain relief. I decided to try acupuncture and physical therap at ARC. From the first treatment on, I noticed a significant decrease in pain. I could also sleep though the night without pain. The treatments I receive from ARC have definitely improved the quality of my life. I felt relieved from the beginning. Everyone was knowledgeable, helpful, confident, and most amazing of all, the acupuncture did not hurt! I can now even enjoy eating my favorite meal PAIN FREE! Bring this Ad to your first visit to receive a 50% discount for the initial Acupuncture Treatment.

Get Pain Relief Without Narcotics Arthritis Fibromyalgia Back & Neck Pain

Rotator Cuff Knee Pain Migraines/Headaches

Most Insurances Accepted including Medicare And Auto

Port Orange • 386-898-0908 Orange City • 386-774-6333 Mt. Dora • 353-729-2290 Free Consultation www.arcptpaincenter.com Ryoko Elzey, D.O.M. Acupuncture Physician

Jack Verhees Physical Therapist

We have programs in place so you have NO FINANCIAL WORRIES

What Is TMJ Disorder? by Jack Verhees,

MJ stands for temporo-mandibular-joint, which are the right and left jaw joints. These joints serve as hinges between the lower jaw and the skull, allowing free movement for chewing, speech, etc. TMJ problems are characterized by pain, and clicking in the area of the Temporo-Mandibular Joints, or inability to fully open the mouth. How To Get Rid Of The Pain Before you let the pain of TMJ rule your life, make sure you get some help. Anti-inflammatory medications can help control pain and inflammation. Another option is a steroid (cortisone) injection, but if a person has tried more than one cortisone injections without relief, it is unlikely that additional injections will benefit the patient. See a dentist regarding a possible malocclusion. Surgery to release the damaged meniscus may be needed in a small percentage of patients. A more conservative and less invasive treatment option is physical therapy. Since much of the pain stems from muscle strain, scar tissue, and malalignment of the TMJ, the treatment involves controlling muscle stress, reduction of

the inflammation and realignment of the TMJ.

Acupuncture & Physical Therapy The Therapists at ARC use physical therapy techniques like joint mobilization, soft tissue mobilization, medical acupuncture, and various modalities like ultra sound and infra red lamps, all directed to normalize joint alignment, increase the blood flow of the tight muscles, and hereby starting the healing process by providing access of nutrition and oxygen to the injured area. This increase of blood and lymph fluid circulation increases muscle metabolism and gets rid of lactic acid to relieve pain. A gentle stretching and strengthening program to both the muscles and connective tissues that surround the TMJ to loosen contracted, shortened muscles, and stimulate weak, flaccid muscles can help. This combined with acupuncture is the most effective treatment for this painful condition. For more info or a free consultation, please call 386 -898-0908.

Day Trips & Multi-day Adventures! • Alachua & High Springs Antiquing, Retirement Home for Horses: February 23 • Ride the Rails—Amtrak to Ybor City/Tampa: February 25-26 • Broadway Show (Orlando) Wicked: March 10 & Queen of the Desert: April 21 • Macon Cherry Blossom Festival: March 15-18 • New Orleans, Biloxi Shrimping & Casinos: March 26-29 • Puccini: Madame Butterfly (Orlando): April 7 • Jacksonville, Sally Corp. & Budweiser Tours: April 9 • Mt. Dora, Renningers Antique & Flea Market: April 12 • Key West via Ft. Myers Express Ferry: April 27-30 • TEXAS! Houston, Austin, & San Antonio: May 9-20

Welcome To… • Fine Dining • Weekly Housekeeping & Laundry • All Utilities • Active Social, Recreational, & Educational Programs • Scheduled Local Transportation Available • Emergency Response System • Interior & Exterior Maintenance • Library • Full Service Beauty Salon & Barber Shop

R iv i e r a

Independent & Assisted Senior Living

1825 Ridgewood Ave. • Holly Hill

386-677-5000 www.RivieraHollyHill.com AL9473 2012© Five Star Quality Care, Inc.

Page A-10—Seniors Today—February 15, 2013

Many Other Day And Multi-Day Tours Too! Call For Our Full 2013 Tour Schedule and Dates and Locations Of Our February Luncheons.

Contract Sheryl at Vivo Tours

386-871-4563

www.vivotours.com or vivotours@cfl.rr.com Florida Seller of Travel ST37808

Before You Retire, Plan Your Life NAPSA

hen you start to think about your retirement (and it’s a good idea to do so at any age), you may see a complex set of challenges— but they can be overcome. The Issues People are living longer, which means your savings need to last longer, too. Moreover, the current economic landscape is characterized by uncertainty, volatile markets, and historically low interest rates. People tend to approach retirement planning with two assumptions: 1. It is best addressed through a combination of retirement accounts, such as a 401(k) or IRA, and Social Security; and 2. the goal is to attain a reliable stream of income once a regular paycheck stops coming in. In a world of low returns and high volatility, however, these traditional assumptions may fall short. An Answer Many people may be surprised to learn there’s a third alternative: Life insurance can be an important part of a retirement plan. While the death ben-

efits of permanent life insurance are well known, the living benefits are often overlooked. A permanent life insurance policy can be one of the best low-risk financial vehicles available to help you retire comfortably and provide an income stream that you can’t outlive.

Things To Consider • Longevity risk and the odds that your retirement might last much longer than expected. • Market risks and the threat of significant losses when investing. • Taxes and inflation are known unknowns, and can take a bite out of retirement savings. • Health care and long-term care represent significant risks in retirement, given longer life spans, uncertainty around Medicare, and rising drug costs. • Disability can jeopardize your ability to earn an income. ST

Protecting Your Financial Info NAPSA

y partnering with financial institutions—such as banks, credit unions and credit card companies—and taking a few easy steps, you can help to protect yourself from fraud. Guard personal and financial information: Take extra measures to protect your Social Security number. That means not sharing it unnecessarily, not using it as your password and not carrying information with you that contains the number. You should also avoid sharing personal details that are often used to access financial accounts— such as your birth date, home address, and mother’s maiden name. Monitor your accounts: Remember to review account activity regularly, especially anytime you may be spending more than usual. By monitoring your accounts online —at your bank and credit card websites— and setting up account alerts that can be sent via e-mail or mobile device, you can spot suspicious activity early. Notify your financial institution immediately of any unknown or suspicious transactions. Go paperless: Fraudulent activity can result from mail and garbage theft, so consider switching to online statements. Online bank statements look and function just like paper statements—you can use them for record keeping and taxes. When possible, replace paper invoices, statements, and checks with electronic versions if your employer, bank, utility provider,

or merchant offers them. If you have to keep some paper statements, be sure to shred them before discarding, and always shred documents that contain personally identifiable information, such as Social Security or account numbers. Recognize fraudulent communications: Fraudsters use a variety of methods to obtain your information: Phishing is when fraudsters send an e-mail that appears to come from a reputable company with links to spoof websites requesting your personal and account information. Vishing is a phishing attempt made through a telephone call or voice message, and smishing is a phishing attempt sent via SMS (Short Message Service) or text message to a mobile phone. Never share personal or financial information through unfamiliar e-mails, websites, social media networks, text messages, or phone calls. Ensure you’re protected: Check with your financial institution to learn if you’re covered if funds are removed from your account without your permission. ST

Practice Exclusively Dedicated To Vein Treatment

Creating Great Legs Everyday! Our experienced physicians provide on site Diagnostic Duplex Ultrasound allowing for specific treatments and procedures individualized for each patient. • Local Physicians • Medicare Providers • Florida Healthcare Providers • Three Convenient Locations

Charles I. Stein, M.D.

N. John Collucci, D.O., RPhS

(386) 586-LEGG (5344) or 866-569-LEGG (5344) Ormond Beach • 1414 West Granada Blvd. Palm Coast • 21 Hospital Drive, Ste. 260 Also Office In St. Augustine • Website: veintreatmentpalmcoast.com

Learn How to Achieve Your Financial Goals Join us for this FREE informa ve seminar where you’ll learn how to build your investment income founda on. Presented by Nancie T. Moody, Financial Advisor

Wednesday, Feb. 27, 2013 at 11 am • Key Steps to Achieve Your Goals • Three Types of Income • Refreshments served

• Determine Your Por olio Objec ve • Monthly Income Strategy • Free and open to the public.

To be our guest, RSVP 3868680723

3868680723 535 N. Nova Road Ormond Beach, FL 32174 Assisted Living Facility Lic. #7460

www.OrmondBeachSeniorLiving.com

February 15, 2013—Seniors Today—Page A-11

Seniors Today’s Spring Fling Luau March 19, 2013 • 9 A.M.–1 P.M. At Holy Cross Lutheran Church 724 Big Tree Rd. • South Daytona

Vendor Space, Sponsorships, & AdvertisingSponsorship Opportunities Available & Advertising Opportunities

Tables starting at $150

For more information, please call Seniors Today Newspaper at 386-677-7060

Section B February 15, 2013 Tails From The Front by Tyler Stover magine how you would feel if your beloved pet became lost. We all like to think that this could never happen to our pet. Inside pets can and do escape to the outside. Even the most loyal and well-trained pets can become frightened and run away. A problem in our area is that pets become afraid and disoriented during a hurricane or major storm. With changes in the landscape and new smells blowing through, they are unable to find their way home. In all, approximately one-third of all pets will become lost at some point in

their lifetime. One of the easiest and most effective ways to keep your pet safe is to make sure it is properly identified with both an ID tag and a registered microchip. While ID tags are helpful, they are not always updated with current contact information, and a lost pet can lose their tag and/or collar while on the loose. According to the American Humane Association, only 17 percent of lost dogs and 2 percent of lost cats find their way home. However, estimates show that at least 75 percent of lost pets that have a microchip will be reunited with their family.

Microchips can also be useful in proving that a found pet is actually yours. In one extraordinary local case, a family lost their 4-year-old cat, Holly, at an RV rally here in Daytona Beach. Weeks later, a similar-looking but underweight cat showed up near their home in Palm Beach with worn down claws. Much to the shock of everyone involved, the microchip showed that it was in fact Holly, and she had somehow made her way home. Without the microchip, it would have been inconceivable to think that the cat was Holly. Microchips also aid in identifying stolen pets.

Microchips are implemented via a quick injection under the skin between the shoulder blades. The process takes only a few seconds and feels like a vaccination shot to the pet. Microchips are made to last for the life of the pet, but should be updated with current contact information at all times. Contact your veterinarian to learn more about having your pet microchipped. ST Tyler Stover is the Community Outreach Director for the Halifax Humane Society in Daytona Beach. He can be reached at 386-274-4703, ext. 320, or at tstover@halifaxhumanesociety.org

Salty doesn’t swim but enjoys the ocean breeze. The fresh air could be enjoyed from your home.

Sarge likes to be in charge of the other dogs. He is a real lover too!

Sui hates when his meals are interrupted. He could eat in peace at your house.

Titan would like you to play fetch with him. Then settle in your lap for a nice nap.

If you think you have any of the following you may qualify to participate in a clinical research study: • Opioid Induced Constipation • Low Back Pain • High Cholesterol / Triglycerides • Post Herpatic Neuralgia • High Potassium • Gout • Type 1 & 2 Diabetes • Overactive Bladder • Chronic Kidney Disease • Flu • Anemia • Urinary Tract Infection • Rheumatoid Arthritis • Chronic Stable Angina • Chronic Obstructive Pulmonary Disease Eligible participants may receive: Medical exams • Study medication Compensation for time and travel There is no cost to you Please contact us today for more information:

1-386-428-7730 Riverside Clinical Research 346 N. Ridgewood Ave. Suite B, Edgewater, FL 32132

Do you need a

bfrea k rom your

Caregiving?

Caregiver’s Day Out may be the Answer! • Thursday, March 21 • 9 am–2 pm • Thursday, April 18 • 9 am–2 pm • Saturday, May 18 • 9 am–2 pm • Thursday, June 13 • 9 am–2 pm Care receivers can expect smiling faces, a safe environment, a light meal, and fun activities. Care givers can expect 5 hours of free time... and there’s absolutely NO COST!

Interested? Contact Sherry McElveen 386-677-3581, ext. 311 First United Methodist Church of Ormond Beach 336 South Halifax Drive (on the peninsula)

Magnolia Gardens An Apartment Community Designed Especially for the Senior Citizen 62 Years Of Age and Older. Rent is based on income. Applications will be accepted in person at

Magnolia Gardens Apartments 1031 4th Street, Daytona Beach, FL 32117 Call today for more information and to schedule your appointment for placing an application for housing Monday–Friday, 9 A.M.-3 P.M.

(386) 255-9113 1 Bedroom Apartments Magnolia Gardens is a beautiful community that offers 88 one bedroom apartments. The apartments have carpet, stove, refrigerator, water, trash removal, air conditioning, pest control, and maintenance. Common areas include coin–op laundry, inside mailboxes, attractively decorated community room, and lobbies.

Page B-2—Seniors Today—February 15, 2013

What’s In The Stars

For The Week Of February 18

ARIES (March 21 to April 19) It could be risky to push for a project you believe in but others are wary of. If you trust your facts, follow your courageous Aries heart and go with it. TAURUS (April 20 to May 20) Your enthusiasm sparks renewed interest in a workplace project that seemed headed for deletion. Support from supervisors helps you make all necessary changes. GEMINI (May 21 to June 20) A colleague might be a bit too contrary when your ideas are being discussed in the workplace. A demand for an explanation could produce surprises all around. CANCER (June 21 to July 22) Try to avoid distractions at a time when maintaining stability in a fluid situation is essential. There'll be time enough later to enjoy some fun and games. LEO (July 23 to August 22) Stop wasting energy licking your wounded pride. Instead, put the lessons you learned from that upsetting experience to good use in an upcoming opportunity. VIRGO (August 23 to Sept. 22) You love being busy. Try not to make more work for yourself than you need to. Get help so that you don't wind up tackling tasks that are better left to others.

LIBRA (Sept. 23 to Oct. 22) Your usually balanced way of assessing situations could be compromised by some so-called new facts. Check them out before making any shift in judgment. SCORPIO (Oct. 23 to Nov. 21) You might feel angry over an unexpected shift in attitude by someone you trusted. This could soon turn in your favor as more surprising facts come out. SAGITTARIUS (Nov. 22 to Dec. 21) Love rules everywhere for all amorous Archers, single or attached. It's also a good time to restore friendships that might have frayed over the years. CAPRICORN (Dec. 22 to Jan. 19) It's not always easy for the proud Goat to forgive past slights. Clearing the air could help establish a better climate for that important upcoming venture. AQUARIUS (Jan. 20 to Feb. 18) Good news: Your skillful handling of a recent matter has won admiration from someone who could be influential in any upcoming decisions involving you. PISCES (Feb. 19 to March 20) You continue to welcome new friends into the circle of people whom you hold dear. One of those newcomers soon might have something special to tell you. ST

Favorite Foods Special Skillet Steaks by Healthy Exchanges 4 (4-ounce) lean tenderized minute or cube steaks 1 (10 3⁄4-ounce) can reduced-fat cream of mushroom soup 1 (15-ounce) can diced tomatoes, undrained 1 ⁄2 cup finely chopped onion 2 teaspoons dried parsley flakes 1 ⁄8 teaspoon black pepper 1. In a large skillet sprayed with butterflavored cooking spray, brown steaks for 3 to 4 minutes on each side.

2. In a large bowl, combine mushroom soup, undrained tomatoes, and onion. Stir in parsley flakes and black pepper. Spoon mixture evenly over browned steaks. 3. Lower heat, cover and simmer for 15 to 20 minutes. When serving, evenly spoon sauce over steaks. Makes 4 servings. ST

Each serving equals: 222 calories, 6g fat, 29g protein, 13g carb., 520mg sodium, 2g fiber; Diabetic Exchanges: 3 Meat, 1 Vegetable, 1⁄2 Starch.

Exercise And Arthritis

treatment of arthritis should include of a comprehensive exercise regimen in order to increase flexibility of the affected joints and to provide pain relief. In addition, exercise can help relieve stress, ensuring better sleep at night, and giving them more energy during the day. During exercise, the motion nourishes the joint by squeezing synovial fluid in and out of the joint space, delivering nourishment to the cartilage, and getting rid of waste products. Without motion, this vital exchange cannot take place, and therefore the joints become mal-nourished. The misconception that changes within some joints occur mostly because the disease process is quite interesting. In fact, joint changes can be a result of a lack of exercise or immobility. A joint that is immobilized initiates a series of changes resulting in joint damage, muscle atrophy, and tendon wasting. There are three types of exercise: 1. Aerobic exercise, such as walking, swimming, and cycling builds stamina and boosts cardiovascular fitness. Walking, a popular aerobic exercise can be easily adapted to your level of fitness by adjusting the speed and duration of the activity. Over time, performing regular aerobic exercise will increase your general level of fitness and endurance. Pain and stiffness can be relieved because of the release of

endorphins and the increase of blood flow to the affected joints. 2. Stretching and range of motion exercise maintains healthy ligaments, muscles, joints, and tendons. For best results, try stretching, particularly the affected joints, to the fullest extent possible for at least 15 minutes a day.

Where Does It Hurt? by Dr. Yong Tsai

3. Strengthening exercise, such as light weight lifting can help prevent muscle atrophy and build muscle to give joints strong support. As with any new regimen, you will want to start out slow and gradual. Focus on the joints that hurt, function poorly, or appear to be affected by your arthritis. You are your best exercise expert, because only you can judge how difficult, painful, or tiring a maneuver can be. With time, you will begin to feel improvement in your flexibility and joint pain, but only you will know when it is right to make changes to your individual regimen.

For more information, please call Dr. Tsai at 386-676-0307.

Voted Best Rehab 10 Consecutive Years

Antiques Railroad China by Larry Cox

Q: I have several pieces of china made for the New York Central Lines in Syracuse. Whom can I contact about current values? —Patricia, Fowlerville, Michigan A: Douglas McIntyre is the author of The Official Guide To Railroad Dining Car China, one of the better reference books in this field.Try to request a copy through your regional public library. Robert D'Archille is a serious collector who also might be helpful. His address is 3972 NY Route 26, Whitney Point, NY 13862. *** Q: I have been searching for several older telephones that were manufactured between 1925 and 1935. I'm at a dead end and hope you can help me. —Bill, Oak Park, Illinois A: Richard March is owner of the Chicago Old Telephone Company, and he sells older, restored telephones to the public. His address is 1446 Tramway, Sanford, NC 27332. For parts, I recommend Phoneco, Inc. 19813 E. Mill Road, P.O. Box 70, Galesville, WI 54630.

Q: I am restoring two older dressers from the early 1900s. I would like to find hardware appropriate to the period. Any suggestions? —Rob, Metarie, Louisiana A: Van Dyke's Restorers has an impressive inventory, including such hard-to-find items as dresser pulls, cabinet hardware, and even Victorian doorbells and light brackets. The address is P.O. 52, Louisiana, MO 63353. *** Q: I recently purchased some glassware including pieces of Stueben, Lalique, and Boehm. I got the items at such a reasonable price that I wonder if I should simply hold on to them until economic conditions improve. —Betty, Waco, Texas A: Begin by purchasing some price guides. I like the Warman guides published by Krause. You also should find a dealer you trust for advice. ST Write to Larry Cox in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or e-mail to questionsforcox@aol.com

10 Years

Port Orange Nursing & Rehab 5600 Victoria Gardens Blvd., Port Orange

386-760-7773

Call Tammy or Christine for a friendly tour.

Piano Lessons

• Would you like your child or grandchild to play? • Have you always wanted to play piano, but never had the time?

Experienced Teacher—20+ Years Great Location • Great Studio • Great Fun! Please Contact Terri Adams, Piano Instructor 386-290-4288 • terria1029@yahoo.com

February 15, 2013—Seniors Today—Page B-3

OLDIES MUSIC NOW ON F M

The Best Music from the 50s, 60s, & 70s

- Elvis - The Beatles - The Beach Boys - Petula Clark

Chicken Soup For The S oul

104.7!

386-253-0000

Tune In Weekday Mornings Local Weather, Traffic, And News Updates Streaming Oldies Online At: www.wrodradio.com

Discover A Lean, Energized, Healthier You In Just A Few Short Weeks!

Group Personal Training Class • Improve your strength, balance, and coordination • Learn how to safely, effectively use dumbbells, bands, and balls • Built-in support system • Certified Personal Trainer, specialist in 50+ fitness • Save $$ ...costs about 1⁄3 as much as one-on-one training • Class size is limited… Call today!!

Exercise Class When: Mon. & Wed. • 9 A.M. Where: Drive-In Christian Church 3140 South Atlantic Ave. Daytona Beach Shore

Ready to sign-up or have questions? Heath Barrow, Younger You Fitness (386) 295-3639

Page B-4—Seniors Today—February 15, 2013

Pastor Gets Guidance

“

saw her. I talked to her. I put antifreeze in her car, for heaven's sake!” It may have indeed been for heaven's sake the day our pastor encountered her. Pastor B., as we have called him for years, is one of the most down-to-earth, realistic and reliable men in all of St. Louis. So of course when he told us his angel story we had to believe him. He, his wife, and their two daughters were on a long drive back East for Christmas. They had pulled off the interstate to fill up with gas. The girls headed into the store. As he walked to the front to scrape the windshield, he saw an older car at the next pump with the hood up. She told him she was trying to find the place to pour in the windshield wiper fluid. Of course Pastor B. had her ready to leave in no time. This elderly lady had no way of knowing our pastor was going through a tough time and had an important decision to make. He never made split-second, reckless decisions about anything—much less about our potential million-dollar expansion program to reach thousands of needy folks in the community. The snow was now really coming down, and he was totally unprepared for what happened next. With steel-gray eyes, look-

ing straight into his soul, she slowly and simply said, “Get ready for what God has ready for you.” Taking this perhaps as a sign, Pastor B. said, “Would you wait here just a second while I get my wife so she can hear that too?” He turned to run into the store to get his wife and daughters, but they were already coming out the door. “Girls, you must come here! I want you to hear what this lady.” In just a split second, he turned back around to point out the sweet elderly lady he had just helped, but was simultaneously hearing from his family: “What lady? Dad, are you okay?” Not only was there no lady, there was no car. Nothing. Pastor B. said he had always thought he would know an angel when he saw one. Now he wasn't sure what he'd seen. However, he was very sure of what he had heard; and he thanked God, right then, right there, with his family wondering if his brain had frozen! Several months later, the expansion nearing completion, more than 2,000 members of all ages, races, and backgrounds came together in the two Sunday morning services. We, too, have learned to live in great expectation that angels can appear any time, any place, and in the least expected way. When they do, we need to listen to what they have to tell us! ST

Books Help, Thanks, Wow Reviewed by Rose McAllister Croke

aith, Hope, and Charity meet Help, Thanks, And Wow in Anne Lamott's latest book on prayer and the relevance of faith in these troubling and trying times. In Help, Thanks, Wow, Lamott offers three essential prayers to get readers through tough situations, everyday struggles, and the hard work of ordinary living. Lamott begins her book with this admission: “I do not know much about God and prayer, but I have come to believe, over the last 25 years, that there's something to be said about keeping prayer simple. Help. Thanks. Wow.” Lamott distills praying down to these three basics: prayers for assistance and need (Help), prayers for gratitude and relief (Thanks), and prayers expressing wonder and awe (Wow). She eloquently conveys how she came to understand and practice these spiritual insights, explains what they have meant to her and how they have helped her over the years, and shares how others have embraced and rejected these ideas.

Lamott describes in a variety of ways what prayer is and can be, but there is one section where she speaks of prayer as our real selves trying to communicate with the real. “Light reveals us to ourselves, which is not always so great if you find yourself in a big, disgusting mess, possibly of your own creation. Like sunflowers, we turn toward light. Light warms, and in most cases, it draws us to itself. In this light, we can see beyond shadow and illusion, to something beyond our modest receptors to what is way beyond us, and deep inside.” Nothing in her book will sway an atheist, but believers in a higher power may find heavenly inspiration for some earthly dilemmas in this pint-size yet deeply profound prayer manual. ST

Books reviewed in this column are available at your local bookstore.

Businesses That Support The Seniors Of Our Community

ST PALs (Seniors Today Professional Advertising League) is a networking group organized by Seniors Today newspaper and made up of professional people in our community that all have businesses that serve our seniors. The group was the first of its kind in this area, was formed over 15 years ago, and is the longest running networking group dedicated to seniors in the Volusia/Flagler area. ST PALS prides itself on constantly networking to improve senior resources, enrich senior lives, and provide quality services and care for our seniors. ST PALS is committed to meeting the needs of seniors in our community. Through the years the group has grown and evolved tremendously. Some of the services or projects we have provided have included partnering with the Council on Aging for special Mandy Moore David Bilotti Amber Frazzini Kelly Herring Jennifer Corbett Maria Vides Todd Register Austin Tse Dave Lynn Greg Thifauft Rob Roberson Alaina Roberson Gary Kindell Victoria Kindell Paulette Reed Jessica Butler Tracy Copeland Elaine Miller Diane Adams Sedrick Harris Terri Perry Mariann Darcangelo

America’s Best Caregivers, Inc. American Care Group American Eldercare American Eldercare American Eldercare American Eldercare Clare Bridge Senior Living Comfort Keepers Florida Power & Light Goodwin Insurance & Assoc. Granny Nannies Granny Nannies Granny Nannies Granny Nannies Great American Ins. & Investments Greystone Health Network Greystone Home HealthCare Halifax Health Hospice Of Volusia / Flagler Halifax Health Hospice Of Volusia /Flagler Haven Hospice Haven Hospice Home Instead Senior Care

386-788-1024 386-248-1919 386-944-4360 385-523-6638 386-944-4360 386-944-4360 386-672-8800 386-322-8882 386-405-0045 386-756-4991 386-254-0505 386-254-0505 386-254-0505 386-254-0505 386-547-5483 386-562-2643 386-257-6601 386-566-5869 386-589-7675 386-983-5190 386-428-0774 386-255-0640

events, providing lunches or parties for our Veterans, delivering goodies to nursing homes for holidays such as Easter, Mother's, or Father's Day, and most recently we have participated in the Be A Santa To A Seniors program. We have been called upon to help deliver meals and to lend a helping hand to seniors after storms. We also think providing some entertainment for seniors is important too. Therefore, Seniors Today offers two fun-filled, totally free events each year; a Spring Fling and a Fall Festival! We are not just about attending meetings... we are about doing something for you... and having fun while we do it! The following is a list of professionals who share the ST PALs commitment. Please be sure to consider their businesses when you have the need for their services: Chanin Carr Humana Rhonda L Boertmann Improve Your Life Therapy JoyAnna Rebekah Argeny Independent Advisor Kris Fischer Juice Plus+ Kelly Ceiler Mary Kay Dorothy Ramseur Nirvana Home Health Michele Turbin Odyssey Hospice Judith Rossetti Office Of The Attorney General Tammy Horn ResCare HomeCare Leanne Galliher Ridgecrest Rebecca Sandvall Seniors Home Care Courtney Canfield Sterling House Port Orange Chris Park Supporting Independence, Inc. Alvin Thode Taffi Medical Estelle Pecchio The Sarah House ALF Alice Bliss University Center West Wendy Jo Messinger University Centers East Sharon Estes Visiting Angels John Long Vitas Innovative Hospice Care Tammy Talamonti Walgreens Dorothy Myers Woodland Towers

386-846-6051 386-801-7095 386-427-1955 386-677-8233 386-334-2254 386-717-4170 386-453-6083 386-238-4990 386-257-7070 386-481-8137 386-871-1953 386-589-4359 407-620-1553 386-506-7225 386-898-3351 386-734-9085 386-747-3229 386-446-7848 386-383-4177 386-943-4011 386-405-7003

February 15, 2013—Seniors Today—Page B-5

It’s Mutt Strutt Time! Special to Seniors Today

Services: • No Stitch Cataract Surgery • Glaucoma Specialist • Laser & Eyelid Surgery • Diabetic Eye Care • Complete Eye Exams for Adults & Children Thomas M. Kline, O.D.

Physicians & Surgeons Mark E. Kennedy, M.D. Michael K. Makowski, M.D. Timothy D. Root, M.D. Alan D. Spertus, M.D. FACS Thomas M. Kline, O.D. Karin L Schoeler, O.D.

Board Certified: National Board of Examiners in Optometry Undergraduate School: Trinity University, San Antonio, TX Optometry School: Illinois College of Optometry, Chicago, IL Areas of Special Training: Primary Care Contact Lenses Including Special Fits Cornea & External Diseases Residency: Veteran’s Administration, Daytona Beach, FL

Accepting Most Major Medical & Vision Insurance Plans Offices In Ormond Beach • Port Orange • Palm Coast

386-672-4244 386-586-3711

(Volusia) (Flagler)

www.TomokaEye.com

Page B-6—Seniors Today—February 15, 2013

print to the sand to enjoy the one-time only opportunity to bring your canine companion onto “The World’s Most Famous Beach!” This special occasion is only available to those who join Halifax Humane Society at the 3rd Annual Mutt Strutt 5K Fun Run/Walk and 10K on Saturday, March 2, 2013. This free, noncompetitive event takes off at 9 A.M., with registration at 8 A.M. at the Daytona Beach Bandshell & Beach Area. The 5K race will be open to walkers, joggers, and runners of all ages and skill levels, and leashed, well-behaved, fourlegged friends are invited to join in the fun! No dogs will be permitted to run in the competitive, timed 10K event. All proceeds from the event benefit the animals of Halifax Humane Society. “This is a unique opportunity for pet owners who otherwise cannot bring their pet to the beach,” said HHS executive director Miguel Abi-hassan. “We hope members of our community can

enjoy the morning on the beach with their pet, while also supporting the animals here at Halifax Humane Society.” Halifax Humane Society is looking for Mutt Strutt walk teams and vendors. If you would like to register and create a walk team, you can join through the event page at HHSMuttStrutt.org Special incentive prizes for top fundraisers are up for grabs, including a new iPad and several Flip video cameras. About Halifax Humane Society The Halifax Humane Society is a 501(c)(3) private non-profit organization servicing the Daytona Beach area in Volusia County, Florida since 1937. It exists to protect animals from cruel, neglectful, and exploitative treatment. Halifax Humane Society is an open-door animal shelter. The shelter refuses service to no animal in need. ST

For more information, please contact Jessica Yelvington at 386-274-4703, ext. 328.

Acupuncture For Diabetes

iabetes type II is a disease that silently progresses during an individual's teen and adult years. It is fast becoming an epidemic in America. Scientists project that in the near future, one third of the population in the United States will develop diabetes type II. Currently, it is a sixth leading cause of death in Americans. It is complications from the disease that causes much physical and emotional suffering. Diabetes can lead to blindness, lower limb amputations, kidney damage, heart disease, and stroke. It may also be linked to increased risk for Alzheimer's disease. There are many risk factors and causes of diabetes type II. Rising rates of obesity, physical inactivity, sedentary lifestyles, and unhealthy eating and drinking habits are the main factors that contribute to developing this silent disease. Stress from overwork or family issues, limited time to cook healthy meals at home, and eating more fast food and prepackaged processed foods are to blame for this tragic disease. These unhealthy living patterns are not only detrimental for the body, mind, and spirit but also increase the likelihood of developing diabetes.

If an individual has pre-diabetes or chronic diabetes type II symptoms, can it be cured? The answer is yes. Studies from China and around the world show that receiving weekly acupuncture treatments and drinking daily a speciallyformulated tea prescribed by a Chinese herbalist can lower blood glucose level and reduce insulin resistance. In addition, an individual needs to walk daily,

Acupuncture & Skin Care …by Dr. Lorenzo Phan OMD, A.P.

eat healthy foods, and limit total caloric intake. This is the Eastern approach to resolve a life-threatening condition. It is a safe, natural, and effective regimen to cure early stage diabetes type II without the harmful side effects of medication. Many Americans are not aware of this treatment option. If you, your family, or loved ones have diabetes type II in the early stage, please consider this natural approach. For more information or free consultation, contact Dr. Lorenzo Phan at 386-615-1203.

Senior Service Line Where Will You Live? by Matilda Charles

s this the year you'll choose to stop driving? Are you prepared for that? Here are some thoughts, after reading a recent report by the Urban Land Institute, about what we might tend to want as a group. They have us broken down into age groups: Leading-Edge Baby Boomers, born between 1946 and 1955, and the Silent Generation, ages 67 to 80 years. We Leading-Edge Boomers don't especially want to move to a seniorsonly residence where we're surrounded by other seniors. We've been active, and we want to stay active. We'll tend to do more ordering online or having items delivered by UPS and FedEx. Boomers tend to live in the suburbs and want to stay in our own homes. If we do move, it will probably be to a place where cars aren't as necessary but goods and services will be nearby. The Silent Generation will consider warmer climates and co-housing village areas where services are brought to us. There will be those who prefer the hubbub of downtowns with a mix of

young and old, but with great culture, libraries, plenty of walk-friendly streets, and stores in easy reach. Both groups might choose from college towns (to live near children and take advantage of on-campus activities), manufactured housing, co-housing and group living (multi-generational), and affinity retirement communities (bringing people to live together based on shared interests). At some point, however, driving will become an issue. Where do you want to be when that happens? Before driving becomes a question in anyone's mind, consider taking a seniors' driving class, and maybe a refresher every year. Get a head start on knowing the physical changes that happen to all of us that can impact driver safety. ST Matilda Charles regrets that she cannot personally answer reader questions, but will incorporate them into her column whenever possible. Write to her in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 328536475, or e-mail:columnreply@gmail.com

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Keeping Current On Hollywood

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picked up a couple of those grocery store tabloids over the weekend and am proud to say that although I haven’t stayed in a Holiday Inn recently I feel a lot smarter. It is good to know that things have not changed in Hollywood. I for one am not surprised at who is sleeping with who, nor was I surprised to learn that the Brits still have a little scandal of sorts going on over there with the Royal Family. I did miss seeing anything about Yoko Ono, however; seems even the tabloids are uninterested in her. There are some changes since I bought one of these papers probably 20 or so years ago. Both of the tabloids had stories about murder and intrigue. I thought that was interesting since everyone likes a little suspense every now and then. What was missing, however, really surprised me. There was no mention of extraterrestrials or twoheaded farm animals. To be honest I was a little disappointed. That was part of the reason I bought the two tabloids to begin with. Concerning the idea of E.T., certainly they have not become part of the government’s conspiracy to cover up the belief that aliens exist. I hope not. Someone needs to keep the fires burning about visitors from other planets. If not the tabloids, then who. You may not believe it, but I’m slowly beginning to believe some of the folks up in Washington may be from another solar

system, galaxies, or even universes. Oh, by the way, two-headed farm animals still being born, five-legged cows, and chickens with three feet just don’t make the grade anymore. There was also no mention of a 300pound five-year-old either. That is a good sign, I believe.

Winding Roads …by Byron Spires

The biggest shock of all was the cost. The last tabloids I bought were, like, fifty cents. I paid $3.79 apiece for these papers. It was my fault. I bought them with several other items and didn’t notice the cost until I got home. Shame on me. All-in-all, I learned a lot. It seems that a fellow has come forward after 35 years and says he heard Natalie Wood screaming for help when she fell overboard on her husband Robert Wagner’s yacht. Oh, by the way, did you know their was a riff between Andy Griffith and Dick VanDyke and that Earnest Borgnine was married five times and one of those wives was Ethel Merman (for a little over a month)? And you thought the Internet had all of the answers. ST You can contact Byron Spires via e-mail at windingroads@netzero.com

Veteran’s Post WWII Veterans Have Stories To Tell by Freddie Groves

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Page B-8—Seniors Today—February 15, 2013

e're losing World War II veterans at a rate of 900 per day—one every minute and a half. The older they get, the higher that number will go. Often, when an elderly veteran dies, his stories go with him. This was the stoic generation, and men who came back from the war didn't talk about it. Years have gone by, and families still don't know the experiences their veteran had. Time has a way of breaking down that barrier of silence, and many of those veterans are ready to talk. That's where you come in. The Veterans History Project, part of the Library of Congress, provides a means for others to record the stories of veterans before the information is lost forever. For WWII veterans, the eligible years of service are 1939 to 1946. If you want to help preserve the history of a World War II veteran, don't delay. Start planning now to do an interview. The Project has a Field Kit with instructions. Stories can be captured via

audio or video recordings, or in writing. Best bet: Use a video camera. Pictures add so much to the story. The Project website has instruction on what steps to take, if you're unsure of how to get started and how to proceed. After the interview with your veteran, the whole package is shipped off to the Project, where it will be archived forever. Future generations will be able to read and hear their stories. If you don't personally know a World War II veteran, your local veterans service organization will. Once you get started, don't be surprised if other veterans approach you to do their stories as well. Go here for the Project Field Kit: www.loc.gov/vets Make a copy of the interview for the family before you send the package. ST

Write to Freddy Groves in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or e-mail to columnreply@gmail.com

Moments In Time On Feb. 21, 1828, the first printing press designed to use the newly invented Cherokee alphabet arrives at New Echota, Georgia. A young Cherokee, Sequoyah, had invented the written language, consisting of 86 characters. Within months, the first Indian language newspaper in history was printed. It was called the Cherokee Phoenix.

On Feb. 18, 1930, Pluto is discovered at the Lowell Observatory in Flagstaff, Arizona, by astronomer Clyde W. Tombaugh. In 2006, however, the International Astronomical Union announced that Pluto would no longer be considered a planet due to its relatively small mass, just one-sixth that of Earth's moon.

On Feb. 24, 1836, in San Antonio, Texas, Colonel William Travis issues a call for help on behalf of Texan troops defending the Alamo, an old Spanish mission and fortress under attack by the Mexican army. Only 32 men from the nearby town of Gonzales responded to Travis' call for help.

On Feb. 22, 1959, Lee Petty defeats Johnny Beauchamp at the just-opened Daytona International Speedway in Florida to win the first-ever Daytona 500. The race was so close that Beauchamp was initially named the winner. Three days later, with the assistance of news photographs, Petty was officially named the champ.

On Feb. 23, 1885, a 19-year-old man named John Lee is sent to the gallows in Exeter, England, for the murder of a rich older woman. After the noose was put around his neck the lever malfunctioned three times. The authorities, mystified at the gallows' inexplicable malfunction, decided to ascribe it to an act of God. Lee was sent to prison instead.

• On Feb. 20, 1985, in a highly controversial vote, the Irish government defies the powerful Catholic Church and approves the sale of contraceptives. The Irish Supreme Court found that a constitutional right to marital privacy covered the use of contraceptives. ST

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ACROSS 1 4 7 11 13 14 15 16 17 18 20 22 24 28 32 33 34 36 37 39 41 43 44 46 50 53 55 56 57 58 59 60 61

Two-timer Arrow launcher Goya's Naked subject Scads Atmosphere PC picture Panorama Beer cousin Fender bender Artist's support Knitting need Lower limb Used a switchblade on Unimportant Spry Relaxation ___ de deux Lug Bother Washington city Half-hour TV show, often Blond shade Hawaiian feast Eccentric Note from the boss 54-Down stat Eye layer United nations Slithery squeezer Skaters' venue Out of control Switch positions Two, in Tijuana

DOWN 1 2 3 4 5 6 7 8 9 10 12 19 21 23 25 26 27 28 29 30 31 35 38 40 42 45 47 48 49 50 51 52 54

Bear lair, often Others (Lat.) Accomplishes Sheep's cry Unctuous Cause, as havoc Dark time Expert The Daily Show With ___ Stewart Pismire Another way to say 7-Down Floral neckwear Genetic letters Space Authoritative command Hebrew month Take out of context? Earl Grey's kin Hindu princess “Say It ___ So” ___Vegas The Red or the Black Thee Request Ballroom dance “Once ___ a time ...’ Amores poet Gambling game Tibetan herd Biz deg. Shade tree Cattle call? Auto fuel

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To Your Good Health Shocking The Heart Back To Normal Dear Dr. Donohue: My husband has had many medical problems. Earlier this year, he developed atrial fibrillation. A cardioversion was performed and worked for about five minutes. Then his doctor prescribed amiodarone. Since being on amiodarone, he has felt much worse. Could the medicine be the problem? He only sits around, and doesn't even feel like going out for lunch. Another cardioversion is possible in a couple of weeks. Is there any danger to this procedure? —M.C. Answer: Does his doctor know how he feels? He can prescribe many other options for your husband. Atrial fibrillation is an erratic and fast heartbeat. Cardioversion, an electric shock delivered to the fibrillating heart, has a fairly high success rate of restoring a normal beat. Success depends on how long the fibrillation has been present and how large the person's heart is. The sooner from the onset of fibrilla-

tion, the better are the results for cardioversion. The results for longstanding atrial fibrillation are not as good. Fibrillation can recur after cardioversion. It can recur after taking medicines. Danger exists for every single medical procedure. The complications from cardioversion are few and rare. The booklet on heartbeat irregularities explains the common kinds of rhythm disturbances. Readers can order a copy by writing: Dr. Donohue — No. 107W, Box 536475, Orlando, FL 32853-6475. Enclose a check or money order (no cash) for $4.75 U.S. /$6 Canada with the recipient's printed name and address. Please allow four weeks for delivery. ST Dr. Donohue regrets that he is unable to answer individual letters, but he will incorporate them in his column whenever possible. Readers may write him or request an order form of available health newsletters at P.O. Box 536475, Orlando, FL 32853-6475.

Strange But True Brass Fans Head To Pensylvania by Samantha Weaver

Did you know it was American humorist and columnist Josh Billings who made the following sage observation: Reason often makes mistakes, but conscience never does? You think there are a lot of lawsuits being heard in the courts these days? Statistics show that half of the suits filed never even make it to court.

There’s been much public conversation about the growing girth of Americans in recent decades. It’s not just people who are gaining weight, though; between 1996 and 2006, the average motor vehicle made in the U.S. gained 500 pounds. ST *** Thought For The Day: “If you obey all the rules, you miss all the fun.” —Katharine Hepburn

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