SPRING 2009
redefining life after 45
Shop Smart 5 ways to cut your grocery bill.
Bone Strength and Health Osteoporosis Prevention
Feel-Good Retirement Strategies
$395
Keys to weight loss success
F C RE op E y
Winning the “Battle of the Bulge�
2 | spring ‘09 | generations
6/15/09
6/15/09
6/15/09
6/15/09
6/15/09
www.generationsmagazine.com | 3
contents spring ‘09
cover articles
page
6 The Battle of the Bulge 8 Feel Good Retirement Strategies 18 Shop Smart: 20 Bone Strength & Health
Generations Magazine is ONE; welcome to our anniversary issue! I hope you have enjoyed this past year as much as I have. We have focused on your financial health and the “Spring Cleaning” of your finances and retirement. Reviewing current investments and revisiting retirement strategies are vital to a “healthy” financial future.
How you can win it
5 ways to cut your grocery bill
Up the intensity to up the density
contents
table of
10 12 14 15 19 21 22
Eligibility rules for Medicaid are complicated. In Janna Visconti’s article, “Medicaid Myths”, some of the common questions concerning this issue are answered. Another hot topic in the health field is cosmetic surgery. Is Cosmetic Surgery right for you? New, safer procedures and choosing a physician are important to consider when making such a decision. Dr. Lisa Makrides tells us about the new SlimLipo laser-assisted liposuction procedure for smoother more natural results with less down time, less bruising and less pain than traditional liposuction.
Medicaid Myths
Our next issue focus on Men’s Health as well as “Staycations,” vacationing right here on Long Island.
Is Cosmetic Surgery Right for You? Time for Financial Spring Cleaning? Hot Off the Grill
As always, we want to hear from you! Email any questions or topics you wish to see in upcoming issues.
Marketplace Crossword puzzle (solution pg. 6) To Implant... or Not To Implant
Enjoy your spring!
redefining life after 45
Gia Ricottone - Publisher Publisher Gia Ricottone Editor Pamela Smith Art Direction Advertising Dynamics & Art Inc. Advertising Sales Dorothy Ricottoni Liz Bonavita CONTRIBUTORS John Boos, L.M.T., N.S.C.A.-C.P.T. Lisa Makrides,MD Patrick Cummings Janna P. Visconti Cosmetic Surgery of New York Jonathan Bostwick Terry Shapiro, DDS
FREE
subscription to Generations Magazine
You will automatically be entered in our drawing to win tickets to Theatre 3 in Port Jefferson
Win
4 Fre Tickete s
THEAT to RE Port Jeff THREE er son, NY
Name Address City, State, Zip
Phone Where did you get your copy of Generations?
What topics would you Generations Magazine PO Box 961 | Port Jefferson Sta., NY 11776 ph. 631.473.0388 | www.generationsmagazine.com
like to see in future issues?
SEND TO: Generations Magazine • PO Box 961 Port Jefferson Sta., NY 11776 OR EMAIL US AT: info@generationsmagazine.com
4 | spring ‘09 | generations
“Here’s looking at you” HIP, Medicare and most insurance accepted
1/2 OFF ANY FRAMES w i t h p u rc h a s e o f l e n s e s
Ask about our Mobile Optometry Unit One of the only optometrists on Long Island to offer new
State-of-the-Art Digital Lenses
FOR THE MOST PROFESSIONAL SERVICE AND HIGHEST QUALITY EXAMS, VISIT ONE OF OUR 3 CONVENIENT LOCATIONS:
LARKFIELD OPTICAL 517 Larkfield Rd.
CENTRAL NASSAU OPTICAL 3270 Hempstead Tpke.
ABSOLUTE OPTICAL 16 Vanderbilt Pkwy
next to Commerce Bank
in King Kullen shopping center
across from Bonwit Inn
E.Northport 631.368.2020
Levittown 516.731.5050
Commack 631.499.6669 www.generationsmagazine.com | 5
The battle of the bulge
T
The battle over the bulge is never easily won.
There is always the latest diet and/or exercise craze to help you lose those unwanted pounds. Sometimes, though, no matter how hard you fight it there are those few inches that never seem to want to “come off” even with diet and exercise. Often it is a person’s genetic makeup that prevents them from shedding those unwanted small bulges.
Liposuction is an option to remove small bulges that won’t improve with diet or exercise. Body sculpting can be accomplished with very little down time or expense. Liposuction, however, does not remove cellulite, only fat. The best candidates for liposuction are those individuals who are only mildly above their ideal body weight, have firm, elastic skin, are in good health and have concentrated pockets of fat that are resistant to diet and exercise. The methods utilized to perform liposuction have changed drastically since its development in the 1970s. Traditional liposuction is performed under general anesthesia and requires a surgeon to insert a large hollow tube called a cannula into the areas you would like the fat removed. The surgeon then uses the cannula to break up the fat cells in each area by using a firm back and forth motion. Finally, the broken up cells are suctioned out. The technique and instruments of traditional liposuction are more aggressive, leave larger scars, require longer recovery periods and are not ideal for small pockets of fat removal. More recently tumescent liposuction has been performed. Using this technique, the surgeon will inject a solution composed of local anesthesia into the fatty areas to be removed. The solution not only includes a local anesthetic but epinephrine, a drug that contracts your blood vessels. The solution aids the surgeon in removing the fat as well as decreasing the amount of bruising associated with traditional liposuction. The ease in which the fat 6 | spring ‘09 | generations
...how you can win it!
can be removed is essential to making liposuction a safe and minimally painful procedure. In order to improve the ease of fat removal, ultrasound-assisted liposuction was created. UltrasoundBefore After assisted liposuction Slimlipo Laser-Assisted Liposuction is a technique utilized to help awake during the entire procedure liquefy the fat to make its removal which adds a significant level of less traumatic and easier for the safety. If a patient is extremely surgeon. More recently, techniques anxious a mild sedative may be given. involving laser-assisted liposuction In addition to the fat removal, the have gained popularity. The theory laser is able to deliver additional behind their use is more consistent wavelengths to tighten the tissue. with ultrasound guided liposuction. Tissue tightening is something Instead of using ultrasound to liquefy traditional liposuction has historically the fat, however, laser wavelengths been unable to accomplish. The full are used. The most advanced laserresults of the fat removal and tissue assisted liposuction machines tightening are seen 3-6 months after selectively melt the fat and tighten the the procedure. tissue for optimal results. Liposuction is currently the most The down-time with these popular type of cosmetic procedure. procedures is much shorter, with less Making the technique safe and pain, less bruising, and overall affordable for patients is the optimal smoother more natural results. goal. I believe the laser-assisted Patients that have had traditional liposuction techniques will be seen liposuction under general anesthesia more and more as people get beautiful are more prone to complications, more results and have fewer complications. pain, greater bruising, and contour deformities. There has never been to For further information on a date a death related to tumescent, customized treatment regimen to get local liposuction. All complications your skin back to its beautiful have been minor, unlike traditional glowing younger self please contact: liposuction, which has been linked to Lisa Makrides, MD, PC death under anesthesia, as well as 631.751.0542 • 25 Main St. significant post-operative Stony Brook, NY 11790 complications including pain. www.LongIslandBeautyMD.com The laser-assisted liposuction which can be performed completely Crossword Puzzle Solution under local anesthesia offers such a PUZZLE ON PAGE 21 greater advantage for patients it is sure to be the wave of the future. The procedure is performed by numbing small areas of the skin, injecting local anesthesia, and filling the fatty tissue with the tumescent numbing solution. Once the tissue is numb the laser probe is inserted directly into the fatty tissue. The laser selectively heats up and melts the fat. Once satisfactory melting has been accomplished, suction is used to aspirate the fat. The patient remains
loose Dentures Holding You Back? the "MInI-Implant System" will Change your Life!
$250 eOntal Mini D ts Implan
• Denture implants in 2 hours*
9 Exp. 5/30/0
• Eat the foods you love
• Interest Free Financing
Laugh, talk & Smile with ConďŹ dence!
aRE YOU a CanDIDatE?
Call today!
SaM R. MORhaIM, D.D.S., D.I.C.O.I.
Diplomate International Congress of Oral Implantologists
Bayside & Mid-Island e
n
t
a
l
a
s
718-631-7337
23-91 Bell Blvd., Bayside www.baysidedental.com
s
o
c
I
a
t
e
s
516-933-8600
400 S. Oyster Bay Rd., Hicksville www.midislanddental.com
*Most Mini-Implant Cases can be completed in 2 hours.
DOMINICAN VILLAGE.....
?
Do You or a Loved One Need: “Nursing Home� Placement? “Home Health-Care Aide�?
• Extremely aordable
D
Why Pay An “Overpriced� Elder-Care Attorney?
When you’re here, you’re home....
INDEPENDENT RETIREMENT COMMUNITY $66,67(' /,9,1* ‡ 5(63,7( &$5(
Can’t afford to pay for these services? Overwhelmed by the “Medicaidâ€? Process? Protect your family’s homes, assets, income & resources! Don’t assume that you do not qualify; there are different types of Medicaid and Qualifications! We Provide “Allâ€? Of The Same Services, With A “Complete & Thoroughâ€? Knowledge Of Medicaid’s Rules/QualiďŹ cations, And At A Fraction Of The Cost!
Visit us online at www.dominicanvillage.org Dominican Village 565 Albany Avenue, Amityville, NY 11701 Phone: 631-842-6091 Fax: 631-842-6131 Sponsored by the Sisters of St. Dominic
:
Med NYSARC In icaid com Elder- Care e Trusts Social Secu or rity Disability
CAN’T LEAVE YOUR HOME – WE WILL COME TO YOU! CALL ANYTIME – FREE ADVICE VIA THE PHONE! 24/7 SERVICE!
P & P MEDICAID CONSULTING, INC. 5476 MERRICK ROAD, MASSAPEQUA (NEXT TO FIREHOUSE) (516) 541-4770 or (516) 641-7014 www.PPMEDICAID.com
Specializing in
customized accessible home modifications • Chair Lifts • Automatic Door Openers • Portable Ramps • Enlarged Doorways • Pool Lifts • Vertical Platform Lifts • Roll In Showers • Custom Ramps & Accessible Entryways • Stair Glides
Conveniently located on a sprawling, 13-acre campus, Dominican Village is a QRQ VHFWDULDQ QRW IRU SUR¿W Rental Retirement Community offering outstanding programs, all-inclusive services & bountiful amenities. Can’t make it to Open House? Contact us to schedule a tour at your convenience! 631-842-6091 or info@dominicanvillage.org
WE HAN DLE
Certified Sales, Service & Installation Technician for Surehands Lift & Care Systems
Call to schedule a FREE Consultation & Estimate www.customcarpentrybyscott.com
(631) 656-8489
www.generationsmagazine.com | 7
Feel-Good Retirement Strategies How the ‘Emotion Quotient’ Impacts Your Retirement Equation
H
How you feel about your investments can greatly influence the ultimate outcome.
That’s the finding of a 2007 study exploring the link between emotions and financial decision-making in investors approaching, or in, the critical investment window five years before and after retirement. In its “Behavioral Risk in the Retirement Red Zone” report, Prudential Financial, Inc. sites five dominant emotions and tendencies that can influence investment decisions: fear, regret, inertia, aggressiveness, and susceptibility. The study also found: • Three of four investors — 76 percent — are affected by their emotions to a moderate or high degree. • Emotions can influence investors to react in ways that may not be in their best interest. • Products that provide both accumulation and income guarantees help mitigate the effects of behavioral risk. • If you’re planning for retirement, understanding the emotions that can influence your behavior can help moderate the potential negative effects of behavioral risk. If there’s one thing everyone wants during retirement, it’s financial security. When confronted with market fluctuations and losses on retirement savings, it’s natural to feel some concern or even fear. Problems may arise when short-term losses cause you to hastily switch investment strategies and lose sight of long-term goals. The Potential Advantages of Variable Annuities For those concerned about how their emotions might influence their investment strategy, a variable annuity can offer some help. A variable annuity is a contract between you and an insurance company, under which the insurer agrees to make periodic payments to you, beginning either immediately or at some future 8 | spring ‘09 | generations
date. You purchase a variable annuity contract by making either a single purchase payment or a series of purchase payments. A variable annuity offers growth opportunities through a range of investment options, typically that invest in stocks, bonds, and money market instruments. Advantages include: • Death benefit. Variable annuities offer a guaranteed death benefit. If you die before payments begin, your beneficiary is guaranteed to receive a specified amount — typically at least the purchase amount. • Tax-deferred growth. Variable annuities are tax-deferred. That means you pay no taxes on the income and investment gains from your annuity until you withdraw your money. • Guaranteed income for life. Many variable annuities offer, for an additional fee, the ability to receive periodic payments for the rest of your life (or the life of any other person you designate), which protects against outliving your assets. Annuity guarantees are based on the claims-paying ability of the issuing company, so it’s important to choose one with proven financial strength. When it comes to investing for retirement, emotions can run high. Whether you feel confident, anxious, regretful, or a mix of emotions regarding your investment strategies, now is a good time to meet with a financial professional to discuss all of your options, especially if retirement is drawing near. Investors should consider the contract and the underlying portfolios’ investment objectives, risks, charges and expenses carefully before investing. This and other important information is contained in the prospectuses, which can be obtained from your financial professional. You should read the prospectuses carefully before investing. All guarantees are backed by the claims-paying ability of the issuing company. Guarantees do not apply to
the underlying investment options. Annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Your licensed financial professional can provide you with costs and complete details. Variable annuities are long-term investments designed for retirement purposes. Investment return and principal value of an investment will fluctuate so that an investor’s unit values, when redeemed, may be worth more or less than their original cost. Withdrawals or surrenders may be subject to surrender charges. Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59 1/2, may be subject to an additional 10% federal income tax penalty. Withdrawals, for tax purposes, are deemed to be gains out first. Withdrawals can reduce the living benefit, death benefit and account value.
Provided courtesy of Prudential Newark, NJ. For more information, contact Patrick Cummings in Melville, NY. patrick.cummings@prudential.com, 631-927-3450 ext 7244. IFS-A144353, 2/2008, Exp. 8/27/2009
To learn more about how I can help secure your future retirement, please contact me today.
the Prudential Insurance Company of America 445 Broad Hollow Road, Suite 405, Melville, NY 11747 Tel 631 927-3450 Ext 7244 Fax 631 927-3451 Patrick Cummings patrick.cummings@prudential.com
www.generationsmagazine.com | 9
Medicaid Myths
T
long term care insurance, and Medicaid. Myth #2. Only poor people qualify for Medicaid. The law limits a Medicaid applicant’s assets to $13,800 especially for the middle-class. The of "countable assets," but middle class escalating cost of long-term care has Seniors should not be discouraged. forced many Long Islanders to turn to There are many exceptions that Medicaid as the only viable means to permit applicants to restructure their pay for Nursing Home care and Home assets in order to qualify for Medicaid Health aides. Along with the benefits. For example, under certain increased reliance on Medicaid, circumstances, an applicant can several pervasive myths have added to transfer a house to an adult child or the confusion. to a sibling. Countable assets may be Myth #1. Medicare will pay for converted into non-countable assets nursing home costs. Medicare covers under some circumstances. A married Seniors 65 and over, and provides applicant can also transfer certain health insurance covering doctors’ assets to a spouse. Even after visits, hospital stays, and some admittance to a Nursing Home, prescription medicines. It provides thousands of dollars can be preserved minimal long term care. After a for your family if you consult an hospital stay, Medicare will pay for up experienced Elder Law attorney to to 20 days in a Nursing Home for prepare the Medicaid Application. rehabilitation. It will also pay Myth #3. Giving $13,000 a year partially for up to 80 more days, to the younger generation is an provided the patient continues to effective means to qualify for make progress in rehabilitation. Once Medicaid. This myth sprang from a those 100 days are over, Medicare will misapplication of estate planning not pay for nursing home costs. The advice. Medicaid, however, was only way to pay for it is private funds, created for the poor, not for people with estate planning issues. With limited exceptions, a 6 Partners • Social Worker on Staff Medicaid applicant Full Service Family Law Firm for Over 50 Years cannot give away money and expect the government to pay for their • Estate Planning Nursing Home • Wills care. • Guardianship Myth #4. There is a five• Medicaid Apps year look-back • Medicaid Planning, Home period for all Care & Nursing Home Medicaid. There • Trusts are several • Nursing Home Admissions misconceptions in • Asset Protection play here. In order to dispel the myth, • Advance Directories we must Health Care Proxy distinguish Living Wills between two types Power of Attorney of Medicaid: (1) Nursing Home Call for Free Seminar Schedule care and (2) Community, or Juisconte@sarisohnlaw.com Home Care. In general, Nursing Home Medicaid has a look-back 350 VETERANS HWY. • COMMACK, NY 11725 period, which is a
There’s no doubt about it, the eligibility rules for Medicaid are complicated,
Elder Law
631.543.7667
10 | spring ‘09 | generations
thorough audit of all your financial accounts. An application for Nursing Home Medicaid must be accompanied by complete financial statements for every account open during the applicable look-back period. Every large cash expenditure should be supported by receipts. If you apply for Medicaid in 2009, (and you don’t have a trust), your look-back period will be between three years and four years, depending on the date of your application. The look-back period is lengthening and it will reach fiveyears in 2011. Currently, Community Medicaid, which includes Adult Day Care as well as Home Care, does not have a lookback period. Someone in need of this kind of care can transfer assets and qualify for Medicaid immediately. Myth #5. I’ll Never Need Long Tem Care. Experts predict that 65% of people over age 75, and 97% of people over 85, will need long term care. Smart people, concerned about their home and their investments, take action to protect their hard-earned assets. Procrastination can cost you money. A Nursing Home stay will render most people penniless within one year. Many people can benefit from an Asset Protection Trust, but it must be created and funded at leave five years before a Nursing Home becomes unavoidable. Are you willing to bet your home and all your assets on the hope of staying healthy for more than five years? No Medicaid planning technique should ever be undertaken without the advice and guidance of an experienced Elder Law Attorney. This article contains general, simplified information and is not advice that may be applied to any specific legal situation. Janna P. Visconti Sarisohn Law Partners, LLP 350 Veterans Memorial Highway Commack, New York 11725 (631) 543-7667 Elder Law/ Real Estate
Homecare America A member of Good Samaritan Hospital Medical Center & Catholic Health Services of Long Island
Of f 15% this aedd
wittohbe comboinffer
Not ny other 9 a with xp. 5/30/0 E
If you are 65 & over you may be entitled to more benefits than you realize...
YOUR ADVOCATES FOR THE ELDERLY info@seniorsolutionsofli.com
JOANNE WACHTER Former Dept. of Social Services Examiner Established 1995
Medicaid Experts/Asset Protection Alternatives to Nursing Homes PRI/Nursing Home Placement Home Care/Adult Day Care Arrangements Home Consultations
Senior Solutions O F
L O N G
I S L A N D
CALL US FOR A FREE EVALUATION
631-979-8730
For Information Please Call
| 800-283-7558 www.seniorsolutionsofli.com
Wheelchairs Canes Wound Care Bath Safety Blood Pressure Kits Stethoscopes Walkers Crutches Ostomy Foot Care Pillows Uniforms Seatlift Chairs Orthopedic Braces Compression Stockings Certified Fitters
Hours: Mon - Fri 9 am - 6 pm Sat 9 am - 5 pm | Sun 11 am - 3 pm
144 Sunrise Hwy. W. Islip, NY 11795 631-422-6664
516-352-4252 www.generationsmagazine.com | 11
Is cosmetic surgery right for you?
A
As our population ages, more and more people are choosing to have plastic surgery for a variety of reasons.
Baby boomers faced with loss of vitality in their appearance often turn to cosmetic surgery to match the body and face to the mind. The benefits of plastic surgery, whether cosmetic or reconstructive, can ultimately change a person’s quality of life by improving their appearance, thereby adding selfesteem and confidence. Advancements in technology now produce better results with less complications and side effects. Procedures that are minimally invasive and require less downtime are also becoming more popular. Plastic surgery’s popularity has also surged because of our trying economic times. Women and men are choosing cosmetic procedures to make themselves more competitive
12 | spring ‘09 | generations
in the job market, according to the Aesthetic Society of Plastic Surgeons (ASPS). Because of this demand for instant “youth”, Doctors who are not cosmetic surgeons and other nonprofessionals are performing procedures which they may not be qualified to perform, from actual surgery to injecting Botox and facial fillers. That is why it is exceedingly important to make sure you are going to a plastic surgeon who is aware of the latest and safest techniques to ensure the best results. On the cutting edge of technology is SmartLipo MPX, the latest advance in laser assisted liposuction. This minimally invasive procedure permanently removes unwanted fat from hard to lose areas, such as the abdomen, thighs, neck, and upper arms. It also tightens loose skin and can be used in conjunction with traditional liposuction. Patients who are left with areas resistant to exercise and weight loss are the ideal candidates for SmartLipo. Smartlifting is a new surgical technique for facial rejuvenation and tightening. Downtime is also reduced, allowing patients to return to their normal activities sooner. Non-invasive laser treatments are utilized to combat the ravages of aging and sun exposure, such as brown spots, spider veins, rosacea, wrinkle reduction and unwanted hair growth. Velashape, the newest FDA
approved treatment for reduction in the appearance of cellulite, has given patients excellent results. Facial fillers and Botox injections have become increasingly popular, because of the attraction of immediate results with no downtime. Restylane, Juvederm, Perlane, Radiesse, Sculptra and Evolence, to name just a few, can be used alone or in conjunction to fill wrinkle and frown lines and add volume to skin that has lost its volume. Recovery times vary, depending upon the procedure and individual. What may take a week for one patient may take two for another. A general rule of thumb for a cosmetic surgery recovery period is about a week to 10 days. Rest and limited activity are the norms and are very important to speed healing and reduce recovery time. Your doctor will provide you with the specific post-operative instructions and also monitor your healing process in follow up visits. A consultation between you and your plastic surgeon to discuss your goals is the first step in determining what procedure is best for you and what results you can expect. Ask questions, choose surgeons who are experienced, are credentialed and have knowledge of cutting edge technologies. An on-site accredited operating facility with a board-certified anesthesiologist is essential, and offers the patient convenience and assurance of better patient care. For more information on the latest advances in cosmetic surgery please contact: Cosmetic Surgery of New York 4616 Nesconset Highway Port Jefferson Station 631-473-7070 www.csnycosmetic.com
David Miller DDS COMMACK ORAL & MAXILLOFACIAL SURGEONS
Dr. Miller specializes in:
Dental Implants Oral surgery
Are missing teeth or loose dentures keeping you from feeling young and healthy? Implants may be the answer
free
Senior citizen discount
offered for patients 65 and older. Interest free financing available
implant consultation with mention of ad
1 6 0 Comma ck Roa d, Com m a ck, NY 1 1 7 2 5 | 6 3 1 - 4 9 9 - 7 2 6 6 | w w w .D a v i d M i l l e r D D S. c om
Spring cleaning for your body COLONIC IRRIGATION Helping You Look & Feel Your Best SPECIALIZING IN COLON HEALTH SAFE • PRIVATE • CLEAN • EFFECTIVE
BENEFITS:
SPECIAL: 3 Colonics for $150
• Increases Energy • Improves Digestion • Lose Weight • Reduces Constipation • Improves Skin Appearance • Reduces Stress • Improves Memory & Sleep
• Stronger Immune System • Sexual Health • Mood & Attitude Enhancement • Relieves Headaches/ Migraines • Prevents Disease • No Drug Interactions • Affordable
Ionic Detox & Foot Bath Treatments Also Available
Robert N. Kandell Insurance & Financial Services, LLC CERTIFIED FINANCIAL PLANNER, INSURANCE & RETIREMENT SPECIALIST • • • • • • • • • • • • • •
life* INSURANCE PROTECTION* health* for your family & business disability* long term care* medicare supplementary plans* senior prescription drug plans* auto* homeowners* commercial* workers comp* flood insurance* retirement and financial planning annuities pension plans
Satellite Office: 5 Amys Path, East Quogue, NY 11942 phone / fax: (631) 653-3911 email: rkandell@investmentctr.com
309 Madison St. · Suite 4 · Westbury · 516-640-5322 · 718-683-8556 O P E N 7 D AY S E A R LY M O R N I N G & E V E N I N G A P P O I N T M E N T S A V A I L A B L E
Branch Office: 3500 Sunrise Hwy, Suite 200, D-104 Great River, NY 11739 phone: (631) 952-8600 fax: (631) 952-8608
Robert Kandell is a registered representative of The Investment Center, Inc. - *Robert N. Kandell Insurance & Financial Services, LLC is not affiliated with The Investment Center, Inc. All Securities offered through The Investment Center, Inc. • Bedminster, NJ Member FINRA/SIPC
www.generationsmagazine.com | 13
Time for Financial Spring Cleaning?
Y
replace some of these "redundancies" with different types of securities, taking into account your risk tolerance and time horizon. Organize your financial records. If you're like those of us who file such as de-cluttering the attic, our taxes at the last minute, now is reorganizing your closets, touching up the paint, etc., but you can the perfect time to organize your almost certainly benefit from financial records, because you've "sprucing up" your financial probably got them close at hand. situation. As you survey your And it's not just a matter of having financial landscape, what areas your brokerage and 401(k) might you want to tidy up? Here are statements in nice, neat piles. Once a few suggestions: you've got these documents Clear your portfolio of together, you might see "redundant" investments. Over time, opportunities to consolidate some of you may have built a sizable your accounts. For example, you investment portfolio. But if you may have IRAs with different banks have too many investments that and financial services companies, look alike, you may actually be By moving them all to one provider, hindering your progress toward and possibly rolling over an old your goals. After all, if you own a 401(k) into an IRA, you could save dozen stocks of companies in the some fees and reduce your same industry, they're all likely to paperwork, but, more importantly, be buffeted by the same economic you may find that such a move forces. Look for opportunities to actually helps you better manage your investments. You'll know exactly what you're invested in, and it will be easier to follow a single investment strategy. Also, with all your IRAs in one place, it will be much easier for you to manage the required Jonathan P Bostwick minimum Financial Advisor distributions you must start taking when you 903 Main Street turn 70-1/2. Port Jefferson, NY 11777 (These 631-928-2034 distributions are www.edwardjones.com not required for Member SIPC Roth IRAs.) Review your "systematic" investments. Many years ago, you might have started systematically
You may or may not engage in many of the typical activities of "spring cleaning"
FREE RETIREMENT
PLAN REVIEWS.
14 | spring ‘09 | generations
moving money from your checking account into an investment. But perhaps the circumstances of your life have changed and this money could better be used elsewhere. Scrutinize your automatic investments to see if they still make sense for you. Check your beneficiaries. Beneficiary designations on financial documents - insurance policies, IRAs, 401(k)s, etc. - are extremely important, because they supersede even the instructions in your will. Over time, your family situation may have changed, through death, divorce, remarriage or the birth of new children, so you should periodically review all your beneficiary designations. Examine your insurance coverage. When you have a young family, you need a certain amount of life insurance coverage to provide for some major expenses - such as your mortgage, college for your kids, perhaps some retirement funds for your spouse. But when your children have grown, your mortgage is paid and your spouse has decades' worth of retirement savings, your insurance needs may change considerably. At the same time, you may find other uses for insurance. Take some time and review your insurance coverage with your financial advisor. By following these "spring cleaning" suggestions, you can help put your financial house in order for the seasons to follow. For further information please contact Jonathan Bostwick, Edward Jones Financial Advisor, Member SIPC (631) 928-2034 jonathan.bostwick@edwardjones.com
For a Home That is Clean... and “Green”!
Now offering
Now, Teresa’s Family Cleaning Service isn’t just Long Island’s leading independent cleaning service, we’re also its “greenest.” Our skilled teams use Green Seal-certified products and reusable microfiber cloths so you get a home that’s beautifully clean and healthier, too. All at a fair price. . . guaranteed. Call us today and ask about our window cleaning, carpet and upholstery services, or visit
Nassau County: (516) 338-2998 Suffolk County: (631) 744-4021
www.teresasfamilycleaning.com
Hot Off the Grill!
Life is calling...
A
Ah, there’s nothing like the first BBQ of the season. It’s time to remove that grill cover and fire-up that BBQ!
You deserve to hear it. Better understanding of speech.
Clear and natural sound quality.
Put high definition hearing back into your “expheariences”... Keep things entertaining!
“Green” Commercia l Cleaning Services
$400 OFF SET OF HEARING AIDS Mention this offer at time of order
4747 Nesconset Hwy. Port Jefferson, NY 11776
631.331.6455 www.eastendhearing.com
Beef with Dry Spice Rub 3 tbsp. firmly packed brown sugar 1 tbsp. black peppercorns 1 tbsp. yellow mustard seeds 1 tbsp. coriander seeds 4 cloves garlic 1 1/2 to 2 pounds beef top round steak or London Broil (about 1 1/2 inches thick) Vegetable or olive oil Salt Add brown sugar, peppercorns, mustard seeds, coriander and garlic to a blender or food processor and process until crushed. Rub beef with mixture, cover and refrigerate 2-4 hours or over night to marinate. Oil the hot BBQ grid to prevent the meat from sticking. Season beef with salt to taste and grill on a covered
grill, medium heat, 7 minutes per side for medium rare, 10 minutes per side for medium well. Grilled Chicken Breast with Tomato and Red Onion 4 boneless chicken breast halves 2 tsp. salt 1 tsp. black pepper 2 tsp. garlic powder 4 beefsteak tomatoes, chopped 1 red onion chopped 1/3 cup virgin olive oil 1/2 cup chopped fresh basil Salt & pepper to taste In a medium bowl, combine your tomatoes, onion, oil, basil, salt & pepper, mix well and set aside. Best made a few hours ahead. For the chicken breast; season both sides with salt, pepper and garlic powder. Grill over medium heat for 34 minutes per side, until breast meat is just past pink. Remove from grill, top with tomatoes and onion mixture and serve immediately.
www.generationsmagazine.com | 15
Apartment Rentals
Court Plaza Senior Apartments
Medford Landing Senior Apartments
CENTRAL ISLIP, NY
MEDFORD, NY
1 & 2 Bedroom
1 & 2 Bedroom
$1062 per month
$880 per month
Immediate Availability Heat and Hot Water Included Laundry Facility On Site Housing Choice Vouchers Welcomed Age & Income Restrictions Apply
Immediate Availability Heat and Hot Water Included Laundry Facility On Site Housing Choice Vouchers Welcomed Age & Income Restrictions Apply
Call
Call
631-232-0802
631-696-1591
Apartments starting from
16 | spring ‘09 | generations
Age & Income Restrictions Apply
Apartments starting from
New 2/3 Bedroom Condo/Townhomes Starting at $275,000 Experience a Lifestyle Community for Every Season
Town Golf Course Adjacent to Islip Landing Community
$25,000 down payment assistance program*
Club & Fitness Center
Don’t Delay, Mortgage Rates at Historic Lows! Receive an Additional $8,000 Cash Credit** DESIGNER UPGRADES AND FINISHES ARE INCLUDED. State-of-the-Art Club & Fitness Center • Heated Pool • Billiards/Card Room • Walk to 9-holes of golf
SALES CENTER OPEN DAILY • 10 A.M. – 6 P.M. Call for directions or visit our website for more information • 631.297.8008 • www.isliplandingny.com * Subject to New York State HELP Fund approval and guidelines. Income restrictions do apply. ** Developer will match up to $8, 000 cash credit in conjunction with federal stimulus plan and guidelines for 1st time homebuyers purchasing before December 1, 2009. Please consult with your legal or tax professional for complete information and advice on legal requirements. The complete terms are in an offering plan available from the sponsor. CD05-0235 & CD05-0465. Prices are subject to change without notice.
Jeffrey Sanzel in Doug Wright’s
I Am My Own Wife April 4 - 26 Elton John and Tim Rice’s Dr. Jon Neil Brodbeck 606 Middle Country Road Middle Island, NY 11953 631- 345-3035
www.middleisland.nrvfxr.com or call toll free 1-877-473-1052 24 hours recorded message
Aida May 16 - June 20 Group Sales: Call Doug, Group Sales Coordinator (631) 928-1130 (Tues. - Fri. 10am - 3pm)
Box Office: (631) 928-9100 (Mon. - Sat. 10am - 5pm)
412 Main Street, Port Jefferson www.theatrethree.com www.generationsmagazine.com | 17
First Annual Green Day
T
The Greater Port Jefferson Chamber of Commerce is sponsoring their First Annual Green Fest on
Memorial Day weekend, May 23rd, in Port Jefferson Village on E. Main Street from 12N to 5 PM. The Chamber has partnered with the PJ Village “Go Greenâ€? 3year campaign initiated by the SBU Humanities Institute to create a completely Green Village – a prototype for other Towns, Villages, Cities to emulate. This green fest will feature the following events, exhibits, vendors, demonstrators, presenters: • Wind Turbines • Solar Panels • Smart Cars • Electric Hybrid Cars from Honda and Toyota • Home Energy Audit Info • Recyclable Products/Services/Jewelry • How to Go Green • Health and Wellness demos
The Greaterr Port Jefferson n Chamber C mber off Commerce Presents... resents... nts...
• Yoga • Children’s Activites • LISEC (Long Island Seaport and Eco Center) activities • Speakers • Musical Performers Everyone is invited to join us for this special event that will educate and inform you on how to become part of the “New Green Movementâ€? in an entertaining and familyfriendly atmosphere where everyone can get involved with hands-on activities and demos. Be Entertained – Be Educated – Be Challenged to Change! WE’RE MAKING A DIFFERENCE TOGETHER! For more info, or to get involved as a Green-themed vendor or presenter, contact the Port Jeff Chamber office at 631-473-1414 or email us at info@portjeffchamber.com.
Y
how can you keep control of your wallet and your waistline? Have you ever gone shopping hungry and come out of the supermarket in shock, having spent far more than you thought you were going to? Or found yourself staring at products in your home, thinking, why on earth did I put that in my cart? If so, then you've succumbed to supermarket psychology, the marketing tactics that are employed by stores to get people like you to buy more products than you really need. Marketing expertise Supermarkets have been employing marketing experts and psychologists to design their stores for many years. The simple plan is to entice you to buy lots of goodies; whether or not you actually need them is beside the point. Recognize the following devices? An in-store bakery: The smell of freshly baked bread is designed to make us hungry and get us spending. Produce near the front door: Fresh food looks best in natural light, hence you find these areas near the opening to the
18 | spring ‘09 | generations
2009
4HRPU 4HRPUN 4 HRPUN ( + +PPMML +PMML LYLUJL YLUJL ;V ;VNL[OLY ; VNL[OLY Y ;;I\] I\ ] ZLIa Ia a 5Ia a 5Ia 2 2 II\\ 1 1 6 6 85 85 --I[\ I [\ 5 5IQV I Q V ;;\ZMM\ \ ZM M\ > QQTTIOM T T I O M WWNN 8 8WZ\ W Z \ 22MNNMZ[WV MN NM Z[ W V ‹ >PUK ;\YIPULZ \ ‹ /`IYPK ,SLJ[YPJ :THY[ *HYZZ ‹ ,JV -YPLUKS` =LUKVYZ )VV[O OZ ‹ :VSHY 7HHULSZ
‹ *OPSKYLUZ ,U[LY[HPUTLU[ ‹ 3P]L 4\ZPJ ‹ :WLHRLYZ ,_OPIP[VYZ ‹ (UK :V 4\JO 469,
First F i r s t Annual A n n u a l Green G r e e n Ev E vent v e n t in i n Collaboration C o l l a b o r a t i o n with with Stony tony B Brook rook U Univers n i v e r ssity H u m a n i t i e s Institute Institute S i t y Humanities C o - S p o n s o r e d by Co-Sponsored b y tth he Tim he mes Beacon e a c o n Record Record es B -V Y 4 V Y L 0 U M V Y T H [ P V U * H S S ! V Y , T H P S ! P U M V ' W V Y [ Q L M M JO H T I L Y J V T ^ ^ ^ 7V Y [ 1 L M M * O H T I L Y J V T
Shop Smart Your supermarket employs clever strategies to encourage shoppers to spend more;
/:--6 .-;<
Five Ways to Cut Your Grocery Bill
supermarket. Hidden staples: Milk and bread are set far apart from the entrance and each other, to encourage consumers to walk through all parts of the store. The "end cap" trick: Special displays at the end of the aisles, known as end-caps, are laden with offers; shoppers notice them more than regular displays. Eye-catching at eye level: More expensive items with higher profit margins are placed at eye level, while the shop's basics range will be on the floor â&#x20AC;&#x201D; companies actually pay more to have their products at eye level, as shoppers are considered "lazy" and will see them first. David Lewis, a consumer psychologist and author of The Soul of the New Consumer: Authenticity, What We Buy and Why in the New Economy (Nicholas Brealey Publishing Ltd.) has spent 15 years analyzing how we buy. He says, "Nothing is left to chance. From the width of the aisles (planned so that you are prevented from bumping into other people, but aren't so wide that you can't get your hands on products) to the music (composers even spend their lives writing music designed to entice shoppers to buy more goods), a supermarket is a place where a consumer and his money are meant to part company. Remember that a
supermarket is a bit like a machine; its mission is to get you to spend, so to counter this, you need to keep your wits about you." The supermarkets have vast amounts of data about our shopping habits from point of sale, loyalty card databases and market research data that are given to psychologists and the retail geographers to create an optimum store layout. So can you avoid the pitfalls of supermarket psychology? Yes, if you keep your wits about you and observe the following guidelines. â&#x20AC;˘ Go in with a list and stick to it â&#x20AC;˘ Eat before you go shopping â&#x20AC;˘ Stick to buy one, get one free offers and fresh produce markdowns; don't get sucked into special offers if you can â&#x20AC;&#x201D; they are often misleading â&#x20AC;˘ Check if generic brand products are as cheap and as good as branded â&#x20AC;&#x201D; sometimes they aren't â&#x20AC;˘ Consider shopping online â&#x20AC;&#x201D; you won't be tempted by in-store marketing
Marketplace Overwhelmed with caring for your parents or spouse? We provide support and information to create a comprehensive long term plan for Seniors, the Disabled and their families.
Surgical & Home Medical Equipment
We specialize in Medicaid Applications for Home Care and Nursing Home Care in Nassau, Suffolk and New York City.
Call us for a plan of action! Lori Shibilo
Mary Ann Kuntz
516-731-4018 lshibilo@aol.com 30 Hook Lane Levittown, NY 11756
516-536-5760 maryannkuntz@aol.com 182 Linden Street Rockville Centre, NY 11570
459 Rt. 110 Melville, NY 11747
631.424.5454 www.guidinglightforseniors.com
CONTEST: “Greening” Long Island One Household at a Time! “Cleaning” products leave a toxic residue on the floor, my toys and cups! Shaklee “Get Clean” cleaning products protect our health, save us money and will help our neighbors win the GREEN Contest! We buy these products anyway so let’s do something: 1. Good for our health 2. Good for our wallet 3. Good for our planet Do your favorite personal care and household products contain toxins? Join us any Tuesday at 9 pm on a phone/web seminar. Call (631) 728-0299 and visit www.GreeningtheEastEndNow.com
See our ad on pg 16
David Miller DDS
COMMACK ORAL & MAXILLOFACIAL SURGEONS
Dr. Miller specializes in:
Dental Implants & Oral surgery 160 Commack Road Commack, NY 11725
631-499-7266 www.DavidMillerDDS.com
See our ad on pg 13
www.generationsmagazine.com | 19
ALL PRO
Medical Supplies INC.
Largest In Stock Selection of Power Chairs, Scooters & Lift Chairs on Long Island
Full Line of Lift Chairs Lift Chair Recliners Starting at $699.99 & up Ask About Insurance Reimbursement
Premium Tub Grab Bar 50% Off
Sonic Scooter Ask about insurance reimbursement
Go Chair Special Pricing Available
Execuneb Portable Compressor Nebulizer Kit Sale $179.99
Pulse 0X550 Finger Unit Sale $199.99
Medical Equipment, Respiratory, Orthotics & Prosthetics, Power Wheel Chairs,Walkers, Scooters, Bathroom Aids, Hospital Beds, Oxygen,Adult Diapers, Lift Chairs and more... Used Scooters & Power Chairs starting at $699
Medicare, Medicaid & Most Insurances Accepted Orthotist & Prosthetist on Staff FREE DELIVERY & PATIENT EDUCATION PATCHOGUE | 631-475-9000 464 East Main Street (Next to LIPA, across from Blockbuster)
PLAINVIEW | 516-495-7777 510 Old Country Road (1 block east of South Oyster Bay Road, next to Commerce Bank)
Bone Strength and Health
Up the Intensity to Up the Density
A
As we age, our health becomes a growing concern.
Our chronological age, our eating regimen, and our activity level all play a major role in the process. Getting older is inevitable, but aging is optional. One major concern is bone loss or osteoporosis, especially among women. The body possesses an intricate process for building and maintaining our bones. Osteoporosis occurs when that process falters and the natural breakdown and build-up ratio of the bones swings over from maintenance to a system that is unable to sustain bone density. Osteoporosis is one health issue that a person can take control of through diet and exercise. If the disease is too far advanced, then medical attention may have to be the primary approach – hence, the importance of getting a bone density scan sooner rather than later. As for osteopenia or early osteoporosis, a well-structured resistance exercise 20 | spring ‘09 | generations
program, coupled with an increase in dietary calcium, can work wonders. Studies show that if aerobic exercise is your only source of exercise, it can be detrimental to bone density. Low level activity increases cortisol levels, which breaks down the body. Higher intensity activity increases the hormone levels that build up the body. Increasing the body’s calcium uptake is somewhat complex. It takes proper exercise, plus a number of vitamins, minerals, and hormones – especially calcitonin, to generate this process. Hormones are the key factors in making things happen. Vitamins and minerals are the building blocks for the process. If the exercise that is used is stimulating enough to the bone, then the brain is notified by sensors surrounding the bone to secrete the hormones and locate the materials to start increasing bone strength. Low intensity exercise provides too little tension on the tendon attachment on the bone. High intensity exercise – resistance or
weight training – generates adequate tension on the tendon attachment on the bone to stimulate the sensors to release the necessary hormones for bone building. Increased resistance exercise and diet are an excellent prescription for reversing bone loss, but it must be a joint effort between your medical doctor and your exercise instructor. Research is continually concluding that gym therapy, not drug therapy alone, is a very valuable approach to this. bone loss disease. For further information please contact John L. Boos, L.M.T., N.S.C.A.,C.P.T. @ 631.587.4786 or www.boosworld.com
Downsizing your home? Don’t know where to start?
Winter watch services: Let Teresa’s watch your home while you’re away
Teresa’s Personalized Move Planning and Management for Seniors:
customized floor plans unpacking and setting up new home sorting services packing services move planning and move management oversight disposal of remaining items
Nassau County: (516) 338-2998 Suffolk County: (631) 744-4021 www.teresasfamilycleaning.com
Crossword ACROSS 1. 6. 11. 14. 15. 16. 17. 19. 20. 21. 23. 27. 28. 32. 33. 34. 37. 38. 39. 40. 41. 42. 43.
Floral leaf Fatigued Total Greek last letter Bad treatment Utilize Divisions Buddy Not satellite TV Military blockade White part of teeth Edict Terminology Manicurist's board German submarine Explosive letters Head of hair A dog's warning Tall woody plant Tally Forgo Unsophisticated Pre-school
45. 48. 49. 50. 53. 54. 60. 61. 62. 63. 64. 65.
Throughout Cantankerous Improve Affirm Fifty-two in Roman numerals Positioning Delivery vehicle Involving the entire planet A piece of furniture Scrape by Beginnings of plants Wear away DOWN
1. 2. 3. 4. 5. 6. 7. 8.
Turf An uncle Get-up-and-go Ottoman officer Thievery Doorpost Cain's brother A ridge of sand
9. 10. 11. 12. 13. 18. 22. 23. 24. 25. 26. 27. 29. 30. 31. 34. 35. 36. 38. 39. 41.
Estimate (abbrev.) Cake or pie Ultra Practice Donnybrook After-bath powder Frozen water Bowel cleasing Bedouin Correct No more than Twofold Sensational Not below Pillar Banal Not at any time Minuscule Mob Mountain pool A computer operating system 42. Relate 43. Family 44. A nanny or billy
45. Dig
51. Join metal
46. Eskimo boat
52. Concludes
47. French for "Queen"
55. Fish eggs
50. Give rise to
56. Black gunk
57. Nigerian tribesman 58. Not young 59. Born Solution on pg. 6
www.generationsmagazine.com | 21
To Implant... or not to Implant
T
Two prospective patients came into the office recently with the same emergency situation.
Restorative & Cosmetic Dentistry Serving Suffolk County for 20 years
• dentures • implants • veneers • tooth colored fillings • tooth whitening • general dentistry Call today for a free consultation and find out how you can achieve the healthy, good looking smile you have always wanted!
(631) 751-4433 20 Old Post Rd. • E. Setauket, NY 11733
www.DrTerryShapiro.com
Both were edentulous (no teeth) and were wearing old, ill-fitting dentures. Their dentures were loose; they had trouble eating foods they would have liked; their faces had that sunken-in look and they were in constant pain. Their previous dentists recommended implants to stabilize the dentures. The problem was that as they were both retired and on fixed incomes they could not afford implants. What to do? Yes, implants are a wonderful service and have revolutionized what we can do to improve lives. I love implants! But due to the laboratory and materials costs involved, they are expensive.
My approach is different from most other dentists. I make new, custom-fitted dentures for the patient and tell them that if the new denture doesn’t fit and function well, we can then add implants. My experience is that the denture patient does very well with the new dentures and rarely decides to go ahead with the implants. Implants are always an option but they don’t have to be the first option. I believe that patients like these can be well served with wellfitting dentures. Call Dr. Terry Shapiro today for a free consultation (631) 751-4433 20 Old Post Rd. E. Setauket, NY 11733 www.DrTerryShapiro.com
HEALTH CARE HAS SHIFTED FROM THE HOSPITAL TO THE HOME... AND WE’RE THERE! As a free-standing, not-for-profit, community based home health care and hospice agency, Visiting Nurse Service & Hospice of Suffolk responds to community needs as they arise, maintaining a tradition of charitable and compassionate care in the home, as well as providing numerous community services. Today with fewer & shorter hospital stays, the focus of health care has shifted from the hospital to the home. Should you or a loved one need help in managing health care needs at home, Visiting Nurse Service & Hospice of Suffolk is uniquely qualified to provide this help with patient focused nursing and therapy services under the direction of your physician.
• Registered Nurses • Enterostomal Therapy & Wound Care • Physical Therapists • Speech Therapists • Occupational Therapists • Home Health Aides • Hospice Care – Inpatient & at Home • Medical Social Workers • In-Home Health Telemonitoring System To learn more about your options call the health care professionals at Visiting Nurse Service & Hospice of Suffolk, Inc at 631-261-7200.
505 Main Street Northport, NY 11768 www.visitingnurseservice.org
M A K I N G 22 | spring ‘09 | generations
A
D I F F E R E N C E
E V E R Y D A Y
ake a Catholic Cemetery your choice The importance of pre-planning... The importance of peace of mind... The importance of providing for those you love...
The time to do so is now.
By choosing a Catholic Cemetery as your final resting place, you reaffirm in death all of the traditions you loved in life.
St. Charles/Resurrection Cemeteries Offer: • Affordable Cryptsites in all community mausoleums • Gravesites • Cremation Graves • Cremation Niches • Family Plots Installment terms available with no finance charges
Because you care, provide now for those you love. There is no easy way to face all the concerns that occur when there is a death in the family. It is our very nature that we grieve the loss of a loved one and grief overwhelms our normal thought process. Death invariably brings about great emotional strain for those left behind. You can help. You can think clearly and sensibly by selecting burial space before there is a need. As indicated, please call/send me my FREE brochure on St. Charles/Resurrection Cemeteries. I understand that no cemetery representative will ever visit my home. I AM INTERESTED IN: Gravesites Mausoleum Space
Cremation Graves/ Niches
Name Address City Phone (
State
Zip
)
Best time to call
GM
P.O. BOX 149 FARMINGDALE, NY 11735 • PHONE (631) 249 8700 • WWW.CCBKLYN.ORG www.generationsmagazine.com | 23
Long Island Beauty MD
Personalized Physican Aesthetic Care
Lisa Makrides, MD, PC • Ablative & Non-Ablative
Fractional Skin Resurfacing for Wrinkles, Scars, Acne Scars • IPL Photorejuvenation for Sunspots, Facial and Leg Veins, Port-Wine Stains • Laser Hair Removal • Botox® • Juvederm® • NovaLash® - Lash Extensions • Radiesse® • Rosacea • Physician Only Skin Care Clinique® Medical • Colorescience® Mineral Makeup • SlimLipo®
Call for events calendar Ask us about In-home Spa Parties Medical grade cosmetics including: ®
VIVITÉ ®
NEOCUTIS
MEDICAL
Complimentary Consultation
631.751.0542 LongIslandBeautyMD.com 25 Main Street | Stony Brook, NY 11790 | LIBMD1@gmail.com