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INSIDE THIS ISSUE 7 Fashion:
Fabulous Fall Hair In 4 Simple Steps
20-22 Health & Fitness: Seniors: 5 Simple Secrets For Overcoming Gym Intimidation
8-9 Breast Cancer Awareness
26-27 - Editor’s Pick
An Easy Way To Save On Your Healthcare In 2017
10 David Hetrick At H&M Firearms
16-17 Lake County’s Halloween Events
18-19
5 Superfoods That Support Kids’ Eye Health 4 everythinglake.com
25-26 Smart Ways To Create Calm As You Rush From Holiday To Holiday
Licensed Realtor with 20+ Years of Experience Specializing in Lake County, FL (Mt Dora, Eustis, Tavares) Florida Lifestyle Property Management Interior Decorating Services Multi-Million Dollar Producer 2013 - 2016 Million Dollar Producer 2010 - 2012
As Seen on HGTV-Lakefront Bargain Hunt “Living Large in Lake County”
Karen M. Riscinto 104 E. 3rd Ave. Mount Dora, FL 32757 352-250-3166 Cell 352-735-8771 Office realestateoutofthebox.com realestateoutofthebox@gmail.com
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Call 407-697-7933 And Start Seeing Results
from the publisher’s desk Al Asghar
This year has been kind of weird! I am thinking, what happened to this year. Halloween is here and next comes Thanksgiving and then Christmas. Blows my mind!!! I have been witnessing one of the craziest election of my lifetime. It seems that I cannot wait for this to be over. Whoever your choice is, good luck and let’s move on. As far as the magazine, lots of exciting things happening. We launched a app a few weeks back and it is one of our hottest products. We have had a ton of downloads and we keep upgrading as new ideas keep rolling in. Also, we are working on our website. We are revamping the whole thing. Cannot wait till it’s done.
staff Publisher & Managing Editor
Al Asghar al@everythinglake.com
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Amir Asghar
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Elizabeth Betsy Reed
Contributing Ajay P Writers Al Asghar Amir Asghar Advertising Al Asghar Sales Richard Hartey
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I want to thank all the ur readers and supporters. You are what makes us exciting. AL ASGHAR EVERYTHING LAKE MAGAZINE www.everythinglake.com www.facebook.com/everythinglake 407-697-7933
The goals of the writers at EverythingLake Magazine is to provide great stories that are true and accurate from beginning to end. Please be forgiving if we make a mistake. We will make it right. EverythingLake is a monthly publication and can be located in various Schools, Chamber of Commerce, Businesses, Restaurants, etc. Any comments can be sent to EverythingLake Magazine at al@everythinglake.com or call 407-697-7933. PO Box 606, Eustis, Florida 32727 EverythingLake Magazine assumes no responsibility for claims made by their advertisers. All letters and their contents sent to EverythingLake Magazine become property of EverythingLake Magazine and maybe reproduced at any time. All views expressed in our magazine are those of the writers and may not be of EverythingLake Magazine. Use of the material in our magazine is prohibited unless written approval is given by EverythingLake Magazine
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fashion
treatment. The trick is to use products that enrich hair without weighing it down. Rocco recommends the Suave Professionals Coconut Oil Infusion Damage Repair Shampoo & Conditioner that provides weightless moisture for luscious, healthy-looking hair that visibly repairs damage in just three uses.
3. Block breakage
Fabulous Fall Hair In 4 Simple Steps (BPT) - The weather changes associated with chillier seasons can wreak havoc on hair. As leaves turn and flakes begin to fall, there’s no need to worry about fly-aways, dry strands and lifeless locks. These five simple tips from Suave Professionals Celebrity Hairstylist Leonardo Rocco will help you keep your hair looking like a million bucks throughout autumn, all while staying on budget.
1. Trim split ends After a summer full of sun and fun, your locks are probably due for a cut. Schedule a quick trim to get rid of split ends for a fresh, clean look heading into fall and winter.
2. Heal with moisture
Chilly weather and additional styling steps can stress the hair’s cuticle and put locks at risk of breakage. To protect strands, add a nutrientdense serum to your hair-care routine. Rocco recommends Suave Professionals Biotin Infusion Anti-Breakage Serum which wraps each strand in a protective seal for advanced breakage defense. Infused with B7 Biotin, a vitamin known for superior hair-strengthening benefits, hair becomes 20 times stronger compared to hair treated with non-conditioning shampoo.
4. Style with volume Hair-styling routines come full force in the fall, meaning you’re probably reaching for your dryer and curling iron daily. This is the ideal time to switch to products that protect hair without adding extra weight. Start with Suave Professionals Luxe Style Infusion Volumizing Weightless Blow Dry Spray that’s heat activated to give hair volume and body for up to 24 hours. Then, try the Suave Professionals Luxe Style Infusion Curl Defining Gel Serum, which offers the conditioning properties of a serum and the hold of a gel for soft, for defined curls from morning to midnight. Now, crisp days and chilly nights don’t mean sacrificing fabulous hair. To learn more affordable hair-care tips,visit Facebook.com/SuaveBeauty or Pinterest.com/SuaveBeauty.
Help repair yesterday’s damage while protecting it against weather woes with a moisturizing shampoo and conditioner everythinglake.com 7
breast cancer awareness
What You Still Don’t Know About Breast Cancer (BPT) - The topic of breast cancer can feel familiar - from October walks to pink ribbons, Americans know breast cancer. That is, until you or a loved one is diagnosed. Suddenly, breast cancer moves from a topic that feels championed to a topic that is entirely too new, too unknown and too fresh. Suddenly, there is not enough information or resources to help a family cope. Nearly all Americans are aware that breast cancer poses a serious health threat to both women and men, but despite the vast awareness, many don’t know what it really means to fight this disease. According to a recent study conducted by Ford’s breast cancer awareness initiative, Warriors in Pink, more than 40 percent of Americans are unfamiliar with the day-to-day challenges patients face while in treatment, and even more, nearly 75 percent admit that they are unsure how to best support patients. Loved ones not knowing how to help makes a difference because family and friends are proven to be patients’ greatest resources for 8 everythinglake.com
getting through treatment. Supporters may not know where to start in providing support, feeling that the issues facing patients are too big for them to solve. But what you still don’t know about breast cancer is that the little things matter more than ever. In fact, the ability to maintain day-to-day routines during treatment is one of breast cancer patients’ top concerns second only to life expectancy. “In terms of the day-to-day, it’s those tasks that were hardest for me,” says breast cancer survivor, Jenn Nudelman. “So my friends and family just came and did things. They didn’t give me a choice. A lot of times people reach out and say, ‘What can I do?’ But I’m not a person who asks for help. It was those friends who didn’t even ask, just acted, that I really shared the journey with.” The key to care and being able to “just act” is being familiar with what types of support patients need most. When asked what type of support that is, patients report needing the most help with daily activities like household chores, errands and meal preparation while undergoing treatment.
breast cancer awareness “People brought meals to me,” says survivor Lisa Hedenstrom, “and my husband organized a lot of the logistics - taking me to appointments and helping me organize those appointments. Family and friends would come help with tasks for me, too. Because of them, I didn’t have to worry about grocery shopping or other types of tiring daily chores.” Another survivor, Lori Redunski, could relate. “My husband hired a cleaning crew to come in and my kids would come home and see the lines in the carpet, smell the cleanser and feel comfortable in their home. It made our life so much easier,” she says. These daily tasks are often overlooked, but every action taken to help patients to focus on their health and fighting this disease makes a difference. “There are missing things that people don’t think about,” says survivor Heidi Floyd. “For example, if you need your side walk shoveled because of the snow, your lawn mowed or your pets cared for. Who has energy to walk their dog when they’re doing eight or nine hours of chemo or daily radiation?” While help with these daily tasks undeniably lessens the burden on breast cancer patients, it’s important to remember that emotional care is also vital for those going through treatment.
“Through it all, you need at least one supporter who is genuinely there to do just that, to support you; to pray with you and to make you laugh,” says survivor Deborah Hayes. “Amidst trying to be strong throughout treatment and recovery, and making sure that everything in your personal life still gets accomplished, one really does need that supportive friend or group to share your innermost feelings.” To empower friends and family to take action and support the breast cancer patients in their lives, Ford Warriors in Pink offers free support services that make it easy to respond to their greatest needs - including cleaning services, meal kit deliveries, alternative hospital wear, online scheduling tools and more. These resources, available on their website at www. fordcares.com, allow loved ones who don’t know how to help to simply click and “just act” - without being asked. Additionally, the site offers tips and ideas on how to help patients have more good days during their journey. “I was blessed with a great family and friends that were there to bring me support,” Redunski says. “But when people don’t have that support, they really need to feel comfortable with the resources that are available to them - whether through their doctors or online.” Take the time to learn how you can make the little things add up to a supportive journey for the breast cancer patients in your life. everythinglake.com 9
DAVID HETRICK H&M FIREARMS H&M Firearms offers an array of modern and historical guns, rare knives, and hard-to-find ammunition. H&M is also the only gun shop in the city of Eustis, which is a big accomplishment. The “H&M� in H&M Firearms LLC is an abbreviation for Historical and Modern Firearms.
Community Spotlight 1. How would you describe what you do for a living? I like to help educate people about personal protection & help them get the item that fits them best. 2. What’s a typical week like? Answering a good deal of questions and making sure people are happy until they leave. 3. How did you get started? I started working on my own firearms after I bought them in 2007. Mechanical engineering has always interested me. I got my degree in Computer Design and have worked along with many engineers throughout my career. I started a business Cerakoting (Ceramic Coating) firearms in 2011. In 2014 I began going to Gun Shows and started to trade firearms. In late 2014 I started H&M Firearms LLC. 4. What do you like about what you do? I like learning about historical firearms and building modern firearms. I like helping people understand personal defense and putting a smile on their face when they find something they like. 5. What do you dislike? Paperwork & Taxes 6. What skills are needed to own a gun shop? Absolutely, the need for patience, politeness, understanding, generosity, the gift of gab and a cheerful demeanor is needed to own a gun shop. 7. What are the most challenging aspects of owning a gun shop? Sometimes answering the same question multiple times per day, Paperwork and Taxes
8. What is most rewarding? Educating people that previously felt guns were “bad”. Helping people obtain a firearm that they are comfortable with and will actually carry. 9. What advice would you offer to someone who is thinking about buying a new firearm? The first thing I would suggest is find a
firearm that feels good in their hand. Second consideration is Caliber, amount of Rounds, Pistol or Revolver, Holster, Sights, etc. 10. What is the common misconception people have about gun ownership? The most common misconception is that a “Safety” on a firearm makes it safer than one that does not. Carrying a gun makes them a target. Gun Free Zones are safe. 11. What are your goals/dreams for the future? To pass my business down to my son. 12. What else would you like people to know about you? I’m always here if anyone needs me.
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Money/Finance 5 Signs You’re Banking At The Right Place (BPT) - When choosing a financial institution, it’s important to think beyond credit cards and home loans. You want your bank or credit union to be there for you when you need them, wherever you need them, because that’s what peace of mind is all about. So how do you know they care? Here are five telltale signs. They’re “there” anytime, anywhere. When you need support, you need it. It doesn’t have to always be an emergency situation, but isn’t it nice to know even at 3 a.m. you could talk to someone about your credit card’s APR if you really needed to? You should have options when it comes to handling your finances. Visit a branch, go online, call or use your phone - whichever works best for you. Having the confidence in any situation that your financial institution can support your lifestyle with 24/7 customer service and mobile banking is priceless. Someone else says they care. There’s nothing like third-party validation. It’s unbiased and can give you a sense for what a financial institution is actually known for. Look for awards from reputable organizations that highlight aspects of banking, such as best in banking or superior customer service or anything else that’s directly relatable to the services that are provided to you. Take for example Navy Federal Credit Union, 12 everythinglake.com
which serves the men and women in uniform. In addition to being a FORTUNE Magazine top place to work for five consecutive years, the credit union was recently ranked first in the Full-Service Banking category according to the Forrester Research report, The US Customer Experience Index, 2016. As Navy Federal President and CEO Cutler Dawson puts it, “We’re number one because we make our members number one.” Service comes before selling. When you’re with a financial institution that puts you first, you can trust that your financial well-being takes precedence over pushing products and services. Case in point: you don’t want to end up with a loan or mortgage you can’t afford. “Every homeowner’s scenario is unique and complex,” says Katie Miller, vice president of mortgage lending at Navy Federal. “For example, you want to work with an institution to find a loan that best fits your situation, so you can focus on searching for that perfect home.” And let’s say things get more complex down
Money/Finance the road. The right financial institution should also be able to provide both personal financial counseling as well as investing and retirement services. Security is a priority. When it comes to banking, security is a top priority. Think of your financial institution as your partner in this. You should be able to trust them to keep your information confidential, and they should give you the tips and tools to be able to protect yourself in this ever-changing security environment. When researching, pay attention to features like fraud protection on cards, automated alerts for transactions or foreign purchases, and a secure mobile banking app. You’d be surprised at the number of simple steps you can take to proactively prevent fraud and identity theft and improve security on all of your accounts. It’s the little things. We’ve all heard it before - “it’s the little things that count.” So ask yourself, is your financial institution doing things right and doing the right things? When you walk through the doors of their branch, are you greeted by name? Do
you feel like a welcomed member of the community? A positive experience means being treated like a real person with specific needs, rather than numbers in an account. Another way to get a good sense is to check out their social media presence. Check out their Facebook page, Twitter and Instagram accounts to see what they’re doing. Are they pushing products or financial advice? Are they responding to customer questions and concerns? Top banks and credit unions use these channels as a way to get to know their customers or members, educate them on various financial topics and answer their questions. Navy Federal is federally insured by NCUA and an Equal Housing Lender.
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Halloween Events
Zombie Fest WHEN:
Thursday, October 27, 2016 TIME:
6 - 7:30 p.m. WHERE:
City of Tavares Public Library 314 N. New Hampshire Ave., Tavares COST:
Free
DESCRIPTION:
TIME:
6 - 8 p.m. WHERE:
Gilbert Park , Mount Dora COST: DESCRIPTION:
Trunk ‘R Treat is the largest fall event for children in Mount Dora. Come to Gilbert Park from 6-8PM for loads of candy, free BBQ dinner, costume contest, fun, prizes, games, etc.! CONTACT:
Lots of “undead” fun for everyone! Costume contest, zombie scavenger hunt, dancing, arts and crafts, wii, snacks, door prizes and much more.
Call Zach Zehnder at 352-409-8464 or email info@ thecrossmountdora.org.
CONTACT:
Clermont Harvest Festival
Call Liz Armstrong at 352-742-6473.
Trunk ‘R Treat WHEN:
Friday, October 28, 2016
WHEN:
Saturday, October 29, 2016 TIME:
10 - 6 a.m.
Halloween Events WHERE:
Montrose Street 685 West Montrose Street, Clermont
Minneola’s Safe Night Out
COST:
Monday, October 31, 2016
DESCRIPTION:
WHEN:
TIME:
Enjoy a fun filled day in Historic Downtown Clermont for our 2nd Annual Harvest Festival. Browse over 75 craft, product, and cottage industry vendors and food trucks. Kids Zone with a Petting Farm, Pony Rides, Face Painting, etc. Costume parade.
5:30 - 8:30 p.m.
Haunted Library
1 food item for food pantry
WHEN:
Saturday, October 29, 2016
WHERE:
Minneola Trailhead Park 315 Madison Street, Minneola COST:
DESCRIPTION:
WHERE:
Safe Night Out is for the children of the area to have fun in a safe environment. Everything on the grounds is free to all attendees. There will be a rock wall, a bounce house, hayrides, face painting and games. Come and eat free hot dogs and candy!
COST:
Call Mary Jane Lange at 394-359-2225 or email mlange@minneola.us.
TIME:
12 - 4 p.m. Leesburg Public Library 100 East Main Street, Leesburg free
DESCRIPTION:
Come in for a treat, if you dare. CONTACT:
Call Tim Hocker at 352-728-7289x800 or email tim. hocker@leesburgflorida.gov.
Trunk or Treat & Oktoberfest WHEN:
Sunday, October 30, 2016 TIME:
3 - 7 p.m. WHERE:
Faith Lutheran Church & School 2727 S. Grove St., Eustis COST:
Free
DESCRIPTION:
Free Trunk or Treat under the canopy of FLCS from 3-4 P.M. then enjoy live music, food and fellowship from 4-7 P.M. at Oktoberfest. Oktoberfest cost $5/ person over the age of 5. CONTACT:
Call 352-589-5433.
CONTACT:
Pets
Lots Of Life Left In Senior Pets (BPT) - Every day, in shelters all across the country, senior animals are passed over by prospective pet owners. Why? Some people are looking for the energy of a new puppy or feel older dogs offer families too little time. But the truth is, providing a new home for an older animal may bring you a level of companionship you never imagined. “Any shelter worker will tell you, puppies and kittens get adopted first and older shelter pets have a higher likelihood of being euthanized,” says Andrea Arden, a dog trainer who’s been featured on Animal Planet and the Today Show, and spokeswoman for Tractor Supply Company’s Pet Appreciation Week. “But if you’re considering adoption, there are great reasons to choose a more mature pet.” Older animals can be just as cute and lovable as their younger counterparts. In fact, they often come with many wonderful qualities that take years to develop in younger animals. Here are a few benefits to consider as you’re
looking for a forever friend: Saving a life It’s no secret that senior pets are at a disadvantage in shelters. Not only do they have a lower likelihood of adoption, they are also more prone to depression and confusion as a result of their new environment. Consider how they got there; more often than not, a senior animal ends up in a shelter due to owner surrender. It could be an older owner’s declining health, an unforeseen move or a sudden change in financial situation. Still, these are wonderful, loving animals that simply had no place to go. By choosing to adopt a senior pet, you’re providing a second chance at life and, with that, can come a lot of fulfillment. Say so long to training Lucky for you, the majority of senior animals have already learned the fundamentals everything from toilet training to various commands to leash walking. Not having to spend weeks and weeks on training can be a valuable perk of adopting a senior pet. Age is but a number
16 everythinglake.com
Your Lake County
Pets However, should you want to teach an older dog a new trick, you’re in luck. Animals can be trained at any age; in fact, more mature animals may have a longer attention span, so you may actually find it easier to teach your senior pet something new. What you see is what you get Adopting an older pet means its size and temperament are established, increasing your chance of finding the perfect companion for your household. Have a cat? No problem, many senior dogs have already lived in a home with felines. Lots of love, less destruction Senior pets are typically well past the searchand-destroy phase, minimizing the possibility of unwanted accidents and bad behavior.
inspired to make every moment with them as loving and rewarding as possible.” Preparing for senior pets
Something for everyone
Good nutrition and regular veterinary checkups are important for all pets, especially seniors. Look The mellow disposition of a senior animal makes for a specialized food, such as 4health Premium Pet them a great companion for people of all ages. Food, to ensure your pet is receiving the vitamins Their lower energy level is often a perfect fit for the elderly, while their calm presence can be great and minerals needed to stay healthy. You can also find walk-in PetVet Clinics at Tractor Supply stores for families with children. where you can save as much as 70 percent off the cost of yearly vaccinations, microchipping and Wonderful years ahead other preventative treatment options. Arden urges pet parents not to let the shorter lifespan of an older pet keep you from adopting one. Depending on the breed, a dog of 7 or 8 years may have at least as many good years left ahead, and most breeds of domestic cats can easily live to be 15 or older. It’s also important to note that while veterinary attention and medication are needed for animals of all ages, old age doesn’t necessarily mean higher costs.
Supporting the cause
Finding a senior pet that’s right for your family is easier than you might think. During the week of Sept. 14-18, many of Tractor Supply’s 1,500 stores across the country will host Pet Appreciation Week where they will feature on-site pet adoption events with community shelters and rescues, some offering senior pets. The main event on Saturday, Sept. 17, will also feature prizes, giveaways and “You wouldn’t avoid making a human friendship just because the new person in your life is mature,” demonstrations on pet nutrition. Check with your local Tractor Supply store to get more details on Arden says. “When you adopt an older animal, the Pet Appreciation Week events happening near you can still have plenty of time to enjoy their you. companionship. Because they’re older, you’ll be everythinglake.com 17
Good Eats
5 Superfoods That Support Kids’ Eye Health (BPT) - The start of the school year means a laundry list of to-do’s for parents. From shopping for school supplies to scheduling an annual physical, it’s a hectic yet exciting time for the entire family. As kids settle back into the groove of the school year, you can ensure they are prepared with the right pencils and notebooks, but if they are straining to see the teacher, learning will be a challenge. “The first step is to have your child’s vision checked annually by a doctor,” says registered dietitian, Tammy Lakatos. “The next step is to maintain healthy vision which parents can easily do by providing a wholesome diet rich in vitaminpacked foods proven to support eye health.” While carrots have a reputation as an eye-healthy food, there are many other options that keep kids seeing sharp. These five superfoods will help keep your kids’ eyes healthy so they can better focus at school.
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Berries Bulk up on berries to maintain that perfect vision. Blueberries, blackberries and strawberries are packed with eye-healthy vitamin C. Bonus: because vitamin C is an antioxidant that boosts the immune system, it will help stave off the coughs and colds that often come along with the start of school. Nuts and seeds When kids crave crunch, seeds and nuts are the perfect choice. English walnuts, raw almonds, flax seed and sunflower seeds are satisfying on top of yogurt or in a homemade trail mix. Plus, these nuts and seeds contain omega-3 fatty acids, which research shows can help support vision. Eggs This breakfast staple can boost eye health, but keep in mind not all eggs are created equal. Eggland’s Best eggs come from hens fed a wholesome, all-vegetarian diet that results in a superior egg packed with eye-healthy nutrients such as 38 percent more lutein, three times more vitamin B 12 and five times more vitamin D than ordinary eggs. Dark green vegetables Antioxidants in kale, spinach and broccoli
Good Eats help keep eyes healthy and prevent disease. Each vegetable contains high levels of lutein and zeaxanthin, which studies have found lowers the risk of advanced macular degeneration and cataracts. Citrus fruit Oranges make awesome snacks or meal add-ons. Because citrus fruits are loaded with vitamin C, you’re not only giving your child a naturally sweet treat, you’re helping support eye health. Plus, the smell of citrus will awaken the senses to help fight the afternoon slump. Want a tasty recipe kids will love that incorporates multiple eye-healthy superfoods? Get into the back-to-school spirit and try these Green Eggs and Ham Cups for breakfast or lunch. For more recipe ideas, Lakatos recommends visiting www. egglandsbest.com. Green Eggs and Ham Cups Prep time: 10 minutes Cook time: 15 minutes Makes 12 cups Ingredients: 7 Eggland’s Best Eggs (large) 1 cup fresh spinach, chopped 1/4 cup onions, finely chopped 1/2 cup broccoli florets, finely chopped 3/4 cups extra lean ham, diced Salt, pepper and garlic powder to taste Shredded cheese of your choice (optional) Directions:
In a mixing bowl, whisk together eggs and seasonings. Add vegetable and ham mixture to eggs. Coat 12 muffin cups with nonstick cooking spray and fill each muffin cup with egg/veggie mixture. Top with shredded cheese. Bake 15-17 minutes or until eggs spring back or toothpick comes out clean. Cool on a rack and remove from pan. Enjoy warm or room temperature. *Egg cups can be rewarmed in the microwave or toaster oven if desired.
Preheat oven to 350 degrees F. Sauté onions and broccoli over medium heat until soft. Add spinach, ham and continue cooking until spinach is wilted. everythinglake.com 19
Health & Fitness
Seniors: 5 Simple Secrets For Overcoming Gym Intimidation (BPT) - No one really relishes the idea of growing older and experiencing the health issues that can accompany aging. If there was one thing you could do to significantly improve your chances of staying mentally sharp, physically healthy and independent throughout your golden years, wouldn’t you do it? Exercise has health benefits for people of all ages, and it’s especially important for seniors. Regular exercise can allow people 65 and older to live independently, reduce their risks of falling and breaking bones, and lower their chances of developing serious illnesses like cancer, heart disease, joint issues, diabetes and high blood pressure, according to the Centers for Disease Control and Prevention. Yet only about 40 percent of Americans between 65 and 74 meet physical activity guidelines, and activity levels decrease even more as people grow older, the CDC says.
“Everyone wants to discover the fountain of youth, that medicine or treatment or face cream that will keep them looking and feeling great well into old age,” says Brian Zehetner, director of health and fitness for Planet Fitness and co-author of “Working Out Sucks (And Why It Doesn’t Have To).” “But that secret has already been discovered. It’s exercise, and it works just as well for senior citizens as it does for people of any age group.” If you’ve never really exercised before, or want to increase your current exercise level, you may have thought about joining a gym. You may have even walked into one intending to join and walked right back out when you saw it was crowded with young, fit people. “We call that ‘gym-timidation,’” Zehetner says. “It’s that feeling that others in the gym will judge you for being less than perfect, and it can keep people of all ages, including seniors, from getting the exercise they need. But it doesn’t have to.” People older than 60 who exercise on a weekly basis feel 12.3 years younger than their real age, the Planet Fitness survey found. Zehetner offers some advice for seniors to
20 everythinglake.com
Health & Fitness overcome gym-timidation: * Start slowly. Whether you’re new to exercise in general or just new to a gym environment, everyone has limitations. Be safe and smart by going slowly, and establishing a foundation that encompasses cardiovascular conditioning, strength training and flexibility. * Don’t be afraid to ask for help. Your gym’s trainers and staff are there to help ensure you know how to use the equipment safely and effectively. * Don’t be too distressed or discouraged by discomfort. People of all ages can experience stiff joints, muscle soreness and other minor discomforts when they begin to exercise. These are all signs your body is aware of the stress you’re putting it through and is responding and adapting - it’s part of the process of getting more fit. * Find a workout buddy. Having a friend along can be motivational when you try something new. Even better, working out side-by-side with a buddy can help you measure the intensity of your workout.
everythinglake.com 21
Coupons
Editor’s Pick An FSA, which is provided by your employer, allows you to save funds for eligible healthcare expenses. An HSA - which you can obtain on your own or through your employer - is a taxadvantaged savings account that allows you to set aside money to cover medical expenses throughout your lifetime.
An Easy Way To Save On Your Healthcare In 2017 (BPT) - If you’re like most people, there are a few times a year when you sit down to review your expenses - your cable bill, entertainment expenses and grocery receipts, for example - and try to figure out where you and your family can save money. One item you should consider is your healthcare costs in 2017. Since the fall season marks the beginning of the annual open enrollment period for employees, now is the perfect time to sign up for a new health benefit plan or make changes to your current plan. Offered as part of those benefits, Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are two simple ways for people to save money in the New Year.
A major advantage of both accounts is that individuals may use the full amount of their pre-tax dollars toward the care you and your family may need; employees who enroll in an FSA can contribute a portion of their salary pretax to pay for qualified medical or dependent care expenses, while an HSA helps individuals with qualifying high-deductible health plans pay for current and future medical expenses. The number of HSA accounts has risen to 18.2 million in 2016, a 25 percent increase since 2015, according to Devenir Research. In addition, according to the 2016 Flexible Spending Account and Health Savings Account Consumer Research study commissioned by Visa and conducted by C+R Research, 90 percent of FSA users agree that saving money, since contributions are pre-tax, tops their list of reasons for having an FSA. In fact, 40 percent of FSA users claim they would cut back on their medical expenses if they didn’t have an FSA. The study also finds that an FSA with no carryover option represents an important barrier to adoption amongst employees, who fear losing their unused dollars at the end of the plan year. 60 percent of non-FSA users noted they would sign up for this benefit if their employer offered the option to carryover up to $500 of their unused health FSA balances remaining at the end of the plan year. everythinglake.com 23
Editor’s Pick grocery stores and other retailers that sell healthcare products have the capability to distinguish between covered items and non-covered items when you pay for them, so you don’t have to wonder whether something is covered or not. By using a Visa Healthcare Card at these locations, you no longer have to pay outof-pocket and then submit receipts to be reimbursed for your medical expenses, saving you time and money! One of the most convenient ways to access funds in an HSA or FSA is with a Visa Healthcare Card, which allows employees to use funds in their HSA or FSA to pay for qualified medical expenses wherever Visa debit cards are accepted, making it easy to pay for expenses such as: *Copays and deductibles *Prescriptions *Dentist visits: Cleanings, orthodontia, dentures *Exams: Physicals, dermatologist *Vision care, including exams, new glasses, LASIK *Hearing exams and aids *Medical equipment such as blood pressure monitors, thermometers *Smoking cessation programs For added convenience, most pharmacies, 24 everythinglake.com
There’s a reason why 78 percent of FSA users surveyed report having an FSA card and why 52 percent of HSA owners surveyed say they use a debit card linked to their HSA to pay for their medical expenses, as the 2016 Flexible Spending Account and Health Savings Account Consumer Research study commissioned by Visa and conducted by C+R Research found. As you review your options this open enrollment season, ask your employer if they offer an HSA or FSA with a Visa Healthcare Card to provide easy access to your funds. To learn more, visit www.visahealthcare.com.
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Smart Ways To Create Calm As You Rush From Holiday To Holiday (BPT) - Less than a month separates Halloween from Thanksgiving. And, this year, Christmas, Hanukkah and Kwanzaa are all within a day of each other, and the two multi-day holidays both end on New Year’s Day. With end-of-year celebrations coming one after another, transitioning from holiday to holiday can ratchet up your stress level.
If you really want to enjoy the holiday season to the fullest, it’s important to find ways to create calm in the chaos of party preparations, gift shopping, meal planning and other forms of busyness. Here are some tips to remain calm and in control as you move through the hectic pace of the holidays: Have a plan The holidays are busy and stressful enough without adding uncertainty and last-minute challenges into the mix. Plan ahead for holiday celebrations so that you know well in advance what you’ll need to make a memorable gathering. The further ahead you plan, the more time you’ll have for preparation, so go ahead and create your Thanksgiving menu while you’re sneaking everythinglake.com 25
Cover Story treats from the kids’ Halloween stash. Start your Christmas shopping list at the same time. Establishing a budget can also help ensure you stay calm during the holidays. Overspending is one of the most stress-causing experiences of the season. Planning how much you’ll spend for gifts, decorations and entertainment can help remove the stress of watching the bills pile up. Relieve stress with renting The amount of clutter you need in your home always seems to increase with the holidays from Halloween costumes and decorations, to dishes and silverware for meals. Trying to gather everything in time can be stressful, and figuring out where to store it all after the holidays are over can be even more frustrating. Renting holiday-related items can be a hassle-free way to get what you need without the expense of buying, the logistical challenges of borrowing and the headache of storing stuff after the holidays. Local rental stores carry everything you need to move quickly and calmly from holiday to holiday. You can rent Halloween costumes; chafing dishes, silverware, dishes and linens for a big Thanksgiving meal; and decor for Christmas and New Year’s. You can find tables and chairs, lighting, centerpieces and even portable dance floors for New Year’s parties. Visit www.rentalHQ. com to find an American Rental Association member store in your area, and remember to reserve items early as the holidays are a busy time for rental stores as well. Repurpose recipes Your guest list probably changes from celebration to celebration. The big Halloween party might include friends from the neighborhood or co-workers; Thanksgiving, Hanukkah and Kwanzaa are for spending time 26 everythinglake.com
with family; and your annual New Year’s Eve party involves practically everyone you know. Trying to make different dishes and entirely unique menus for every one of those holiday celebrations could drive you crazy. Try repurposing recipes and reusing dishes that are easy to make, impressive to eat and work for you and your budget. For example, the punch you made for Halloween could also be great for New Year’s, especially with a grownup flare. The pumpkin cheesecake that was the perfect ending to your Thanksgiving menu can be just as delicious for New Year’s. Since each event will probably have a different guest list, it won’t look like you’re repeating yourself. Soothe your senses Gaudy store displays, flashing holiday lights, blaring TV and radio commercials - the sights and sounds of the season can sometimes get to be too much. Soothing your senses can help create calm amid the chaos. While it may not be possible to completely unplug from the sensory overload the holidays can become, certain tactics can help relax you. Try using aromatherapy at home and even in the office to create a scented oasis of serenity. Scented candles, potpourri or room spray in popular holiday aromas like pine, cinnamon, peppermint and vanilla can subliminally create calm. Music is also one of the most enjoyable aspects of the holiday season. If you love holiday music, playing it in the background while you tackle chores like meal prep or gift wrapping can help relax you and put you in a festive mood. Or, if you’re feeling overloaded with holiday music, put on something else that you find soothing - classical music, jazz or hip hop. Whatever works for you is the right background music to help you enjoy the season!
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