Lifestyles www.LifestylesAfter50FL.com • Hillsborough • FREE
AFTER 50
October 2012
6 Tricks to Look Younger When Your Parent Has a Significant Other Bet on the Beau Rivage Easy Getaway Florida Festivals
one man’s fascination with the creatures of the sea
Life In a Niche . . . er, Niches Dear Readers,
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here were you and who were you with when Neil Armstrong took his first step on the moon’s Janice Doyle, surface? Go ahead. Editor Admit that when you heard the news of his death recently, your eyes glazed over as you remembered the details: “I was …with… and we were watching on a …TV.” 1969. Black and white or color TV? Your family was easy to categorize in 1969: You either had TV or you didn’t. If you had TV, it was either color or black and white. To each his own niche We’re being sliced and diced like never before by political candidates and pollsters looking over our shoulders and into our computers to find where we fit for their purposes—our “niches.” Marketing companies want to get you to buy some product. (And we want you to read our magazine and come to our events!) Data banks out there somewhere in California, or outer space, or in India, know what you drive; cameras have recorded you enough places that some computer somewhere could probably pinpoint your identity by your eyes. Do you have a computer? Search engines crawl through data tracking what you compute on, what you shop for, the magazines you read. They look for your marketing “niche.”
Hillsborough Edition Published monthly by News Connection U.S.A., Inc. General Manager Dave Tarantul dave@lifestylesafter50.com Publisher/Director of Events & Marketing Kathy J. Beck kathy@lifestylesafter50.com Editor Janice Doyle janice@lifestylesafter50.com
Mass marketing, such as for TV sets in the ‘60s, is old stuff. No more “color or black and white” sales leads. It’s been replaced by “thousands of niche markets,” according to John Yemma, editor of the notable publication, The Christian Science Monitor. Are you retired? A large niche. But are you a retired worker, volunteer, caregiver, golfer, knitter, pet owner? We’re all in boutique crowds rather than the mass market groups of the past, according to Yemma. This year, marketing types or pollsters might have you in a niche called a “Medicare grandma” concerned about health-care costs. Or maybe you’re categorized as a lapsed churchgoer, a DIY homeowner, a Vietnam vet, a diabetic, an organ donor, a cruiser, a big spender on kids’ clothes. I’m in one very wonderful niche—an iPad owner. I know it’s a powerfully popular niche to be in because, beside my sleek little iPad, I have brand new books (EXPENSIVE books!) telling me how to use it:
iPad For Seniors for Dummies by Nancy Muir. iPad for the Older and Wiser by Sean McManus. iPad Tech 2 Connect by Barbara Boyd for AARP
iPad for Boomers by Brian Proffitt So, I’m an iPad owner. What other niches does this put me in? A few clues. The books are all large print, heavily illustrated and almost always laid out so as to cover only one learning step per page. They found my niche. Voting your niche Don’t neglect to vote. We are the over-50-age citizens (a very large, generic niche) and we’re known for turning out to vote. Within that large niche, you have—consciously or unconsciously—been groomed within your smaller niches by the candidates to vote one way or another. Do it! You’re very special!
Office Manager Vicki Willis vicki@lifestylesafter50.com Production Supervisor/Graphic Design Kim Burrell kim@lifestylesafter50.com Production Assistant Tracie Schmidt tracie@lifestylesafter50.com Customer Service 1-888-670-0040 customerservice@lifestylesafter50.com
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FCOA Attention Readers: The articles printed in Lifestyles After 50 do not necessarily reflect the opinion of the Editor or the staff. Lifestyles After 50 endeavors to accept reliable advertising; however, we cannot be held responsible by the public for advertising claims. Lifestyles After 50 reserves the right to refuse or discontinue any advertisement. Our advertising deadline for the Nov. 2012 issue is Oct. 15, 2012. Magazines are out by the 7th of each month. All rights reserved.
Lifestyles After 50 • October 2012 • page 2
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Optimum HealthCare is a Coordinated Care plan with a Medicare contract and a contract with the Florida Medicaid program. Optimum HealthCare plans available are HMO-POS, HMO-SNP, HMO-POS-SNP. The benefit information provided is a brief summary, not a complete description of benefits. Benefits, formulary, pharmacy network, premium and/or co-payments/ co-insurance may change on January 1 of each year. Premiums, co-pays, co-insurance, and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details. This plan is available to anyone who has both Medical Assistance from the State and Medicare. (1) You must continue to pay your Medicare Part B premium. (2) Limitations, copays and restrictions may apply. (3) Amount varies by plan and county. (4) Copay for Inpatient Hospital Days 1-5 varies by plan. A sales person will be present with information and applications (enrollment begins OCT. 15th); For accommodations of persons with special needs at sales meetings call 1-866-245-5360. TTY/ TDD 1-800-955-8771.This information is available for free in other languages. Please contact our customer service number at 1-866-245-5360, TTY/TDD: 1-800-955-8771 for additional information. Esta infomación está disponible gratuitamente en otros idiomas. Por favor llame al departamento de servicio de miembros al 1-866- 245-5360, TTY/TDD: 1-800-955-8771 para mas información. H5594_News1_CMS Accepted Lifestyles After 50 • October 2012 • page 3
Artist Brings Life To Gulf Resort buy more of his T-shirts here than any other place in the country. lorida’s West Coast has a famous So, make a visit to the new Guy new part-time resident—Guy Harvey Outpost at the TradeWinds Harvey, marine wildlife artist and on St. Pete Beach. You’ll enjoy conservationist. It’s hard to go most the artwork and also find fishing anywhere without spotting someone charters, snorkeling, diving or wearing a Guy Harvey fishing-themed you can reserve a half or full day t-shirt or cap with his unique logo. trip with one of the expert “go-to” Harvey recently opened the first Guy fishing guides. Resident Captain The Guy Harvey Outpost Resort combines Harvey Outpost in the United States Tim shares fish tales and tips education, tourism and conservation. in partnership with The TradeWinds on fishing four times a week for Sandpiper Suites in St. Pete Beach. guests. Of course, you can also find Look for two 1,000-pound marlins In a recent interview he said, “This clothing and other marine-related when you arrive at the Outpost and then place offers incredible fishing, walk through the public areas to spot the items in the Outfitter shop on site. good diving and the component for Harvey’s documentaries include other Guy Harvey murals and paintings. marine research opportunities.” This is Your Ocean: Sharks and Harvey is a trained marine biologist as His depictions of warm water Mystery of the Grouper Moon. The well as an artist. He became the world’s marine sport fish in their natural Tiger Shark Express is due out soon most famous marine illustrator by presettings are popular with sportfishersenting the predator-prey relationship, the and will feature the interaction of the men and have been reproduced in sharks and sea turtles. His books are action that takes place in the open ocean. prints, posters, t-shirts, jewelry, Portraits From The Deep and SanIn interviews at the opening of his clothing and other consumer items. tiago’s Finest Hour, an illustrated Outpost, he called fishing in Tampa Now that same artwork can be depiction of the Santiago’s fight with Bay “phenomenal.” People come to enjoyed throughout the resort. a big fish in the Ernest Hemingway Tampa Bay to fish, he said—they also BY KATHY BECK
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novella The Old Man and the Sea. He also has a syndicated TV series Guy Harvey’s Portraits from the Deep which combines sport fishing destinations with educational information. The Guy Harvey Ocean Foundation conducts research on the ecology, genetics, behavior, physiology and evolution of fishes. The Outpost resorts also emphasize sustainable tourism, marine conservation and water sports recreation. www.guyharvetoutposttampabay.com.
Enter To Win!
Enter to win an autographed coffee table book and Outpost totebag (a $100 value). Send name, address, phone and email to News Connection USA, Inc. P.O. Box 638, Seffner, FL 33583. Drawing on Oct. 23, 2012.
IF YOU HAVE TEN PEOPLE OR MORE WE CAN PICK UP AT YOUR LOCATION. CALL FOR OUR PICK UP LOCATIONS. Sun City, pick up at parking lot north of library on North Pebble Beach, and Kings Point or ask about a pick up at your location.
Oct. 4th, 16th & 26th, Nov. 9th, 14th, & 26th, 2012 Hard Rock Tampa – Pick up 8:45 a.m., returns 3:30 p.m. Pay $15.00, get $15.00 free play and a $5.00 meal voucher. Evening pickup is at 3:45 p.m., returns 10:30 p.m. Pay $15.00, get $20.00 free play and a $5.00 meal voucher.
H OUT “LAUGUD!” LO e agazin le M – Peop
Oct. 9th & 23rd, Nov. 29th, 2012 Seminole Casino Immokalee – Pay $25.00 and get $30.00 in free play and a $5.00 meal voucher. Bus boards 8 a.m. Returns 6:30 p.m. Dec. 19th, 2012 Tour of Tampa & Ybor City – Victorian Stroll at Henry Plant Museum decorated for Christmas of the past, and Tampa Tour 8:30 am till 4:30 pm. See Tampa’s landmarks and sites, visit Ybor City and Ybor Visitors Center, have lunch on your own at a Cuban restaurant, stop at a Cuban Bakery for bread and pastries. Pay $33.00 per person * Please sign up soon this one sells out very quickly.
Minimum of 30 passengers required!
Anywhere Tours of Florida, Inc. For reservations or information – call 813-620-3332 or our website • www.tampabus.com ***ALL PRICES SUBJECT TO CHANGE*** Lifestyles After 50 • October 2012 • page 4
A New Comedy About Love & Marriage By Annabelle Gurwitch and Jeff Kahn
Must Close Oct. 14! Jaeb Theater
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813.229.STAR (7827) • STRAZCENTER. ORG Outside Tampa Bay: 800.955.1045 Group Services (10+ get a discount): 813.222.1018 or 1016 Events, days, dates, times, performers and prices are subject to change without notice.
Around Town
W H AT ’ S H A P P E N I N G O C T O B E R 2 0 1 2
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undays through Nov. 11 Upstairs/ Downstairs at the Tampa Bay Hotel, Plant Museum, Univ. of Tampa. Living history vignettes depicting early 1900s life and attitudes. $10/ adults; $7/seniors. 2 p.m. Please call (813) 254-1891 for more information
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through Jan 6, 2013 “Coffee – the World in Your Cup” exhibit at the Tampa Bay History Center, downtown Tampa. More information online at tampabayhistorycenter.org or call (813) 228-0097.
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Paula Poundstone at the Straz Center. Three kids, 13 cats and a crazy travel schedule give her plenty of intelligent comedy to enjoy. Tickets start at $24.50. Buy online or at (813) 229-7827.
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Book discussion: The Shoemaker’s Wife by Adriana Trigiani at Lutz Library, 101 W. Lutz Lake Fern Rd., Lutz. 2 p.m. Call (813) 273-3652.
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– 14 Oktoberfest Tampa, 3-day festival in Curtis Hixon Park. Traditional German food and beer, Oktoberfest Games competition. Throw a brat, roll a keg, waterfront beer garden. $10 general admission. 4 p.m. to midnight. (813) 397-8722.
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Your Health & the Arts, class to help improve relaxation through the arts. Free, including materials, for all St. Joseph’s Hospital patients, families and caregivers. 10 to 11:30 a.m. St. Joseph’s Hospital Medical Arts Building Auditorium Classroom. Info: (813) 443-2047.
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and 20 Toast of Tampa Show Chorus Celebrates 25 years! Ladies barbershop harmony at Straz Center. Tickets: $27 to $52. Check schedule at toastoftampa.org. More information at (813) 489-9140.
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20, 21 Top O’ the Bay Oktoberfest at Tampa Bay Downs. German food, drink, music
and dancing, carnival and midway, arts and crafts show. 10 a.m. daily opening. Information at Festivalnet.com or call (813) 855-4401.
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Gem/Mineral/Jewelry Show and Sale at Strawberry Festival Expo Bldg., 2301 W. Oak Ave., Plant City. Vendors, supplies, demonstrations, door prizes, silent auctions. Sponsored by Tampa Bay Mineral & Science Club. 10 a.m. to 4 p.m. Information: tampabayrockclub.com or call (813) 831-1994.
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2012 General Election Important Information 2012 General Election Dates to Remember: Tuesday, October 9 ............ Last Day to Register to Vote in the General Election Saturday, October 27 ......... Early Voting Begins in Hillsborough County Wednesday, October 31 ...... 5 p.m. Deadline to Request a Vote By Mail Ballot to be Mailed to You Saturday, November 3 ....... Early Voting Ends in Hillsborough County Tuesday, November 6 ......... Election Day 3 Ways to Vote:
Old Thyme Country Fair & Bazaar at United Community Church, 1501 La Jolla Ave., Sun City Center. 9 a.m. to 3 p.m. Arts, crafts, hand writing analysis. For info, call (813) 634-8607.
1. Vote By Mail—Allows all registered voters to receive and cast their ballot from the comfort of home!
“The Comedy Time Tunnel” presented by The National Comedy Hall of Fame Museum and AAUW at Sun City Center Community Hall. Lecture, visuals, rare footage, great laughs. 2 p.m. $10 tickets at the Atrium or call (813) 634-6387.
3. Election Day—Registered voters must vote in their assigned precinct.
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and 28 The Screwtape Letters, a novel by C. S. Lewis performed on stage. Straz Center, Tampa. Tickets at (813) 229-7827 or online at strazcenter.org.
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“An Evening with the Masters” concert presented by the Plant City Community Choir at First Presbyterian Church, 404 Reynolds St., Plant City. Special guests include Plant City Youth Chorus, guest soloists from USF School of Music, a string quartet. 7:30 p.m. $5/advance tickets; $7 at the door. For information go to pccommunitychoir.com or call Concert Manager at (813) 493-1979.
Send Around Town news to News Connection USA, Inc., P.O. Box 638, Seffner, FL 33583; please fax (813) 651-1989. News must be received by the 10th of the month prior to event (i.e. October 10 for November event.)
2. Early Vote—All registered voters can vote at any of the designated Early Vote sites in Hillsborough County.
Remember to bring a valid and current photo and signature ID when you head to the polls!
1. 2. 3. 4. 5. 6. 7. 8. 9.
General Election Reminders:
If you’ve moved or changed your name, please update your voter information before heading to the polls!
You do not have to vote on every race/issue on your ballot. You are allowed to bring your sample ballot with you in the polling room. But, remember to vote and submit the ballot given to you by the poll worker. ALL marked ballots must be received in any of the Hillsborough County Supervisor of Elections four offices by 7p.m. on Election Day.
Acceptable Valid and Current Forms of Photo and Signature ID Include: Florida Driver’s License Debit or Credit Card Military Identification Retirement Center Identification United States Passport Public Assistance Identification Student Identification Neighborhood Association Identification Florida Identification Card issued by the Department of Highway Safety and Motor Vehicles (813) 744-5900 Voter@hcsoe.org www.VoteHillsborough.org
@HillsboroughSOE Hillsborough County Elections Office
County Center—601 E. Kennedy Blvd., 16th Floor, Tampa, FL 33602 Gilder E.S.C.—2514 N. Falkenburg Rd., Tampa, FL 33619 South Office—10439 Gibsonton Dr., Riverview, FL 33578 Northwest Office—12022 Anderson Rd., Tampa, FL 33625 Lifestyles After 50 • October 2012 • page 5
Living Life to the Fullest At University Village W
elcome to University Village, where the culture is trademarked by Masterpiece Living,® a wellness initiative based on this philosophy: how you age depends more on your everyday lifestyle choices than on your genes. “We have developed a signature senior living community,” says Executive Director Tim Parker. “We are a friendly, active and vibrant group with ambitions and dreams.” University Village keeps you engaged in life through a variety of clubs, classes, in-house events and day trips. You can also meet friends at the on-site beauty salon, pool, health and wellness center, or in five elegant dining rooms featuring chef-prepared cuisine. “Our goal is to help our residents maximize wellness,” says Aarene Alessi, director of public relations. “Staying involved in a community network can help maintain the body and mind.”
Executive Director Tim Parker
Safety Net for the Future Knowing that you will continue to be taken care of if your needs change offers peace of mind for you and your family. The Inn at University Village is an on-site assisted living Aarene Alessi, Dir. residence that also offers of Public Relations interdisciplinary skilled ever outlive their assets, they will and long-term nursing programs, and never lose their home or their care.” Harmony, our memory care program. “Please call me at (813) 975“It’s important to have a plan in place 5009 or email me at aalessi@ that covers healthcare and financial universityvillage.net, and I will needs that may arise in the future,” personally make the arrangements says Aarene. “Our life-care residents receive a financial guarantee that if they for your visit.” —Aarene Alessi
Exercise is encouraged at University Village, so we take the stairs to our third-floor apartment, walk to the mall, enjoy walks near our lake after dinner, and stop along the way for a game of miniature golf. The flexible dining has helped us meet wonderful neighbors and friends. We absolutely love it here.” —Charlotte and Jim Edmiston, residents
Apartment homes ranging from $1,550 - $3,310 per month with resort-style services and amenities.
Lifestyles After 50 • October 2012 • page 6
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Lifestyles After 50 • October 2012 • page 7
Can You Handle Your Aging Parent’s “Significant Other” With Grace and Care?
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hen your aging parent has a “significant other”—a sweetheart—in later life, things can get difficult. Here are four things to know in helping make decisions: • Your parent is connected to their sweetheart’s family in ways you are not. Their relationship can be deeply personal, and you need to respect and appreciate the dimensions of that relationship. Your father may have taught you that “big girls don’t cry” in his younger parenting days and yet weep openly himself with his sweetheart’s daughter when her mother (his sweetheart) dies. They have a different relationship than you and your father do. Accept it. • Because your parents are older, their health crises and end-of-life care will bring two families and all their permeations together. It’s in your best interests to open the communications sooner rather than later.
• Families have cultures and behaviors that are normal to them. Take the time to observe their ways and follow their lead when it involves their family member. One person’s family may be private and want to speak to doctors separately. Your mom, who is open and inclusive, may have to step back and not take their exclusion personally. Remember, it’s the family’s way and you must respect it rather than judge them by it.
• You might have to step aside and keep your own emotions in check. It’s not “sibling” rivalry when your parent openly tries to help a member of the
sweetheart’s family in adjusting to a new situation. Needs are different and relationships are different. What if it becomes a battleground? Not all blended families blend well together. Serious fights are common. Accusations fly back and forth. No one may seem to agree on
who really has Mom’s best interests at heart. Make sure your family member has an advance directive, has a durable health-care power of attorney and has had an open conversation with you regarding desired care and living arrangements if he or she suffers a stroke or is diagnosed with an illness that requires prolonged care. The more openly you have discussed matters such as illness, the less likely you are to encounter distrust, accusations and resentment in the heat of making tough caregiving decisions. From “The Essential Guide to Caring for Aging Parents” by Dr. Linda Rhodes.
Tired of the Financial Roller Coaster?
Consider the All Children’s Hospital Foundation Charitable Gift Annuity Program.
Make a gift and receive guaranteed, fixed income for life. Fund a Charitable Gift Annuity with a gift of $10,000 (cash or appreciated securities) and enjoy the following benefits: • Guaranteed, fixed payments for life to you and/or a loved one • Partially tax-free income • Immediate charitable deduction for a portion of the gift • Favorable treatment of capital gains, if donated asset is appreciated securities • Satisfaction of making a lasting contribution to All Children’s Hospital Foundation
Lifestyles After 50 • October 2012 • page 8
Charitable Gift Annuity Rates as of 1/1/2012
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Seek advice from a tax professional before entering into a gift annuity agreement. All Children’s Hospital Foundation gift annuities are not available in all states.
Calculate your benefits at allkidsgifts.org. To request a personalized illustration or to learn more, please contact: Lydia E. Bailey, CFRE All Children’s Hospital Foundation 727-767-8914 Lydia.Bailey@allkids.org
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Attend our next seminar to find out how Simply Healthcare can simplify your life. Remember, you only have until December 7th to make your choice! Upcoming Seminars: Snacks and Refreshments will be served
OCTOBER 10/01/12 & 10/08/12 Buddy Freddy’s 1101 Goldfinch Dr. Plant City, FL 33563 10:00 AM
10/04/12 & 10/11/12 Golden Corral 11801 N 56th St. Temple Terrace, FL 33617 1:00 PM
10/04/12 & 10/11/12 Mimi’s Café 804 Providence Rd. Brandon, FL 33511 2:00 PM
10/15/12 Cape de Villa’s at La Teresita 3248 W Columbus Dr. Tampa, FL 33607 10:00 AM
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www.mysimplymedicare.com Simply Healthcare Plans is a Coordinated Care plan with a Medicare contract and a contract with the Florida Medicaid program. A sales person will be present with information and applications. For accommodations of persons with special needs at sales meetings, call 1-888-577-0212 (TTY: 711). The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan. Benefits may vary by plan and county. Limitations, copayments, and restrictions may apply. Benefits, formulary, pharmacy network, premium and/or co-payments/co-insurance may change on January 1 of each year. Please contact our member services department at 1-888-577-0212 (TTY: 711). From October 1, 2012 until February 14, 2013 our hours of operation are from 8 a.m. to 8 p.m., 7 days a week. H5471_MKSEMINARADCFL_SNACKS Accepted 09/23/2012 Lifestyles After 50 • October 2012 • page 9
Celebrate Beloved Traditions — and Make New Ones!
Rebooting—What To Do When Your Career Is Over But Your Life Isn’t Here lies a miser who cared for himself; He cared for nothing but gathering wealth. Now where he is and how he fares Nobody knows and nobody cares. —Old English Gravestone
T
he little verse above offers a sad picture: The man who cared nothing about others ends up with others caring nothing about him. Phil Burgess’s book Reboot offers several themes for finding a satisfying and productive post-career life—a life to avoid that scene. He absolutely rejects the idea of retirement into the “Golden Years” of endless leisure. Instead, he notes the following:
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Lifestyles After 50 • October 2012 • page 10
l. Later life begins at 50. That’s a good time to begin to think about your post-career years—what you want to be, what you are going to do and how you are going to manage your time. 2. Most of us, going by the averages, retire from our careers in our early 60s, which means that post-career life will, for most, be measured in decades. We need to use that time wisely to experience a life of meaning and to navigate a life that matters. 3. When we retire, most of us are at the top of our game, still able to contribute to family, community and society. That’s why it makes sense to continue to use our major gifts to help others and make the world a better place. 4. Of the three major gifts—time, talent and treasure—time is the most important. Time is the only resource that cannot be replaced, so our major challenge is to decide how to manage our time to bring meaning in post-career years.
5. Of all the drivers of successful aging, the most important is social engagement or active participation with other people in purposeful activity. There are many paths to this, but work has many advantages (full-time, part-time, for pay, volunteer, good Samaritan, enrichment, etc.). Burgess calls work the “true North,” the thing which uses our gifts and entails social engagement. 6. We should take a two-chapter approach when rebooting to postcareer life. First is working in some capacity with obligations and accountability, and second is that which offers a life of leisure or life focused on activities of daily living.
Time is the only resource that cannot be replaced, so our major challenge is to decide how to manage our time to bring meaning in post-career years. 7. A script can have many versions or releases, meaning that some revisions will be prompted by discovering that things didn’t work out in some way. 8. Different worldviews and belief systems share common perspectives about life’s purpose: That our purpose in life is to (a) help others, (b) repair or make the world—or our small piece of it—a better place in a way that is (c) fruitful and productive work for family and community and (d) satisfying to us. His advice is to take a time-out when you retire in order to map out the rest of your life in a two-chapter plan that includes work in some capacity. It will improve your “health, wealth and moral well-being.” From “Reboot: What to Do When Your Career is Over but Your Life Isn’t.
Lifestyles After 50 • October 2012 • page 11
Here’s How to Look Younger Instantly L
adies, want to look instantly younger? Here are six tricks to do the job:
l. Break up with your black bag. Using the same old black handbag makes you appear set in your ways (remember Grandma’s pocketbook? Enough said.) Take inventory of the bags you have – if they’re all black or brown, it’s time for something new. Bags no longer have to match your shoes, so add some color. Pick a pale color for summer and in the fall, opt for jewel tones such as royal blue, red, forest green or maybe an animal print.
Retirement Living 2. Step away from sweats. Yes, baggy clothes and stretch fabric can equal comfort, but they can also make you look, well, frumpy. Instead, choose fabrics that have some stretch but are
Lifestyles After 50 • October 2012 • page 12
also fit so they flatter your body. Check the label and look for 4 or 5 percent spandex. A firmer fabric will actually hold you in and make you smoother.
3. Embrace flat-front. Once and for all: Pleated-front pants with a high waist are NOT flattering. When women started wearing pants, they wore pants designed just like men’s pants and they fit the same way. But today it’s easy to find a good fit. Have a tummy and think those pleats are hiding your pooch? Reality check: Pleats are actually accentuating the negative. Instead, look for slimming flat-front trousers with a straight or boot-cut leg, which hangs straight down from you hip. As for the waist: An inch under your navel is universally flattering. 4. Add new scarves. Tying a little silk scarf around your neck is an instant ager. Still, a good scarf is like
adding frosting to the cake. Today’s scarves add color, texture and shine; they are more sheer and longer, so wrap them around your neck several times.
5. Switch to stylish shoes that are also sensible. There are shoes with extra arch support, shoes that are made wide for bunions, shoes with non-skid bottoms and more. But they don’t have to be just black or white and plain. There are plenty of choices that have color and texture with embellishments like buckles. Metallics, bows and wedge boots will be hot this fall. 6. Say “yes” to shape wear. Girdles? Today it’s called shape wear and that what it does—it shapes you by moving, containing and controlling, in a less painful way than girdles of yesteryear. And they can make you appear up to 10
pounds thinner and therefore younger. A piece of shapewear can cost anywhere from $20 to $100, depending on the style and brand. Ask a sales clerk at your department store’s lingerie department for some help in finding the right piece. And be sure your bra fits properly. A properly fitted bra can take inches and years off your frame. Common problems: spillage, sagging and gapping. Now, go take an honest look at your wardrobe. Maybe it’s time to upgrade your image!
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WE LOVE OUR SENIORS. You built our great country. It is an honor to serve you! Lifestyles After 50 • October 2012 • page 13
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A Health Plan with a Medicare contract. The benefit information provided herein is a brief summary, not a comprehensive description of benefit. For more information please contact the plan. Benefits, Formulary, Pharmacy network, premium and/or co-payments/co-insurance may change on January 1st 2014. You must continue to pay your Part B premium. You may be able to get extra help to pay for your prescription drug premiums and costs. To see if you qualify for getting extra help, call 1-800-MEDICARE (1-800-633-4227) (TTY/TDD 1-877-486-2048) 24 hours a day, 7 days a week; The Social Security Office at 1-800772-1213 between 7 am and 7 pm Monday through Friday TTY user should call 1-800-325-0778; or Your State Medicaid Office. You can also contact Florida Healthcare Plus Customer Service Department at 1-866-988-2210, we are open 7 days a week 8am to 8pm October 15, 2012 until February 14, 2013 then Monday through Friday 8am to 8pm. (TTY/TDD users should call 1-800-955-8770). This info is available for free in other languages, contact Florida Healthcare Plus for additional information. *Limitations, copayments, and restrictions may apply. H4199_MKT_FLY_120_FILE&USE_08162012 Lifestyles After 50 • October 2012 • page 14
Veterans Corner
Museums Tell Military Stories Year After Year Florida Air Museum at Sun ‘n T Fun, Lakeland. (863) 644-2431
he fall and winter seasons are good times to make day trips to Florida’s wealth of specialty military museums. The following list notes some of the museums you might enjoy.
Florida Military Aviation Museum, Clearwater. (813) 535-9007 Flying Tigers Warbird Restoration Museum, Kissimmee. (407) 933-1942 Military Heritage Museum, Punta Gorda, Artifacts and memorabilia from Civil War to the present. (941) 575-9002
Armed Forces History Museum, Largo. Private collection of vehicles, MIG 21, helicopters, specialized military pieces, one of a kind artifacts & more. (727) 539-8371 Air Force Space and Missile Museum, Patrick A F B. Daily tour. (407) 853-9171 USAF Armament Museum, Eglin Air Force Base. Armament and aircraft displays. (904) 882-4062 Camp Blanding Museum, Starke. (904) 533-3196
Museum of Military Memorabilia Display, Naples Municipal Airport. (941) 575-0401 National Museum of Naval Aviation, Pensacola. (850) 452-3604 Smedley National Vietnam War Museum, Orlando. Artifacts, mementos, equipment. Open weekends only. (407) 601-2864 S.S. American Victory, Tampa. Restored Merchant Marine ship. (813) 228-8769
Civil War Soldiers Museum, Pensacola. (850) 469-1900
DeLand Naval Air Station Museum, Deland. F-14 Tomcat jet fighter, WWII TBF Avenger torpedo bomber. (386) 873-2976
Fantasy of Flight, Polk City. Huge private collection and rides in historic planes. (863) 984-3500
UDT SEAL Museum, Ft. Pierce. Collections and displays from SEAL history. (561) 595-5845 Veterans Tribute & Museum of Osceola County, Kissimmee. Huge collection inside Osceola Square Mall in Kissimmee. (407) 931-3133 Valiant Air Command Warbird Museum, Titusville. (321) 268-1941
You can also find information about these museums online. Always check days, times and prices.
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FLU SHOTS AVAILABLE PER PHONE REQUEST THURS. OCTOBER 18. Lifestyles After 50 • October 2012 • page 15
10 Ways to Save on Medications BY KATE FORGACH
H
ere are a few costsaving tips for getting your medications:
1. Partnership for Prescription Assistance (PPA): The PPA is a non-profit organization that helps qualifying patients without coverage get the medicines they need for free or nearly free.
2. RX Access Card: The nation’s leading drug companies combined efforts to provide low-income Americans who lack healthcare coverage with a price reduction on prescription products. The RX Access Card is free to those who have a household income of less than $45,000 for a single person to $90,000 for families of four. Most cardholders save 25 to 50 percent per brand-name or generic prescription. 3. Generic Medications: Check with your doctor before allowing a pharmacy to substitute a generic, simply because your insurance calls for it. Not all generics work the same, so it may be worth paying a bit more for a drug that will actually work.
4. Name Brands: If a medication isn’t working the way it used to or as described by your physician, check to see if a pharmacy’s substitution is the problem.
and change your script without your having to pay for an office visit.
6. Couponing: Discounts for over-the-counter drugs frequently show up for Walgreens and other drug stores on such coupon sites as FreeShipping.org.
7. Shop Around: Get quotes from local and chain drugstores before you hand over your prescription.
8. Price Matching: Locally owned pharmacies often offer this service in order to gain or keep your business—check out Walmart’s list of $4 medications, including OTC drugs. Ask your local pharmacist if they’ll match that cut-rate price.
9. Pill Splitting: If your insurance plan charges the same co-pay for a higher-strength prescription, you can divide each pill to save money. Check with your doctor or pharmacist first, however, as some time-release tablets must be taken whole or they lose effect. This proviso also applies to highpotency drugs, where the line between toxicity and efficacy is razor thin.
10. Review Regularly: If you’re taking more than a couple drugs regularly, schedule periodic reviews with your physician to evaluate whether each medication is still needed and whether you might be experiencing problems with drug interactions that reduce efficacy.
5. Follow Up: If you’re not getting the results you desire, follow up with your doctor. Talk to the nurse first, however, Kate Forgach is a baby boomer consumer specialist for Kinoli Inc. as they may simply talk to the doctor
Elder Helpline 1-800-963-5337 www.agingflorida.com Lifestyles After 50 • October 2012 • page 16
Believe It Or Not? Pain Relief with Acupuncture
T
he ancient art of acupuncture has been practiced for centuries in Asia and has more recently spread to the U.S. and other Western countries. Acupuncture has been used to treat most pain conditions, including low back pain, shingles and other nerve pain, hand and knee pain, headache, fibromyalgia and menstrual pain. For people with knee pain, for example, there is some evidence that acupuncture may provide some pain relief, although results from different studies are mixed.
Health Overall, the research in many health conditions is suggestive but largely insufficient to draw definitive conclusions. Traditional Chinese acupuncture involves the insertion of extremely fine needles into the skin at specific
“acupoints” along the meridians. This action, some scientific evidence This has shown, may result in pain relief traditional by releasing endorphins, the body’s Chinese natural painkilling chemicals, and chart maps may affect the part of the brain that “acupoints” governs serotonin levels, the brain on the transmitter involved with mood. body. During Chinese acupuncture, the acupuncturist may turn or twirl the needles slightly or apply heat or electrical stimulation to enhance the pressure, usually with a finger or effects, or he or she may apply an thumb, at acupressure points. herb called mugwort to the needle tips The acupuncturist typically inserts four to further stimulate the designated to 10 needles and leaves them in place acupoints; this is called moxibustion. for 10 to 30 minutes while you rest. A A Japanese form of acupuncture usual course of treatment includes 6 to involves more shallow needle inser12 sessions over a three-month period. tion than Chinese acupuncture and The complication rate for acupuncneedles usually are not manipulated. ture appears to be quite low. A review Korean acupuncture focuses on of complications reported in medical needling points just in the hands journals found that the most common and feet. Acupressure, on the other serious problem was accidental hand, does not involve the insertion insertion of a needle into the pleural of needles but substitutes deep space between the lungs and the
chest wall. The advent of single-use, sealed needle packages has all but eliminated the risks of blood-borne infection such as hepatitis B or HIV. If you decide to try acupuncture, it is crucial to seek out an experienced acupuncturist. Licensing requirements vary from state to state. In states with no licensing requirements, the safest way to find a qualified acupuncturist is to seek one with certification from the National Certification Commission for Acupuncture and Oriental Medicine. From Harvard Health Letter
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Centenarian Still Does Yard Work alvador V. Zayas will celebrate S his 100th birthday with family and friends on Oct. 25. Born before WWI, he was born to Ybor City cigar workers who returned to Cuba to live when he was very young. He trained as a barber and at age 33 returned to “my beautiful Tampa” and began working at Pino’s Barbershop where he had many famous people as clients, including singer Daniel Santos and boxing legend Tommy Gomez. He later opened the Nebraska Barber Shop in Ybor City. Over the years he had other shops and was still barbering at Figaro’s Barbershop in West Tampa well into his 90s. He and wife Emily had two sons, James and Albert. James sang with the band Mercy in the 60s and still performs in the area. Once when James was singing in Branson, Salvador visited him and met music legends Johnny Cash, Debbie Reynolds, Willie Nelson and Andy Williams.
Lifestyles After 50 • October 2012 • page 18
Seniors Caught Gambling with Teeth A
s of the number of older Americans increases, there are new challenges in senior dental care. Financial resources, lack of knowledge about appropriate dental care, medications, chronic health conditions and a decline in mobility can all affect how seniors are able to care for their teeth. Lack of oral care can cascade into a litany of problems that affect not only the health of teeth and gums but also quality of life. Consider these precise reasons why dental care and the need for dental insurance doesn’t stop at retirement: 1. When dental care is neglected, the probability of periodontal disease rises, which increases the risk of tooth loss and also exacerbates other medical conditions, including cardiovascular disease, lung problems, jaw joint problems (TMJ), and some forms of cancer.
2. According to the CDC, older adults may incur new cavities at higher rates than children. Seniors frequently get root cavities because of gum recession from periodontal disease or vigorous brushing that has eroded the gum line. 3. Medication frequently causes “dry
mouth” by reducing saliva flow. More than 500 drugs, including medications such as antihypertensives and antidepressants are associated with dry mouth. This affects the teeth because saliva contains components that protect tooth enamel and also reduces bacteria that causes tooth decay.
4. For diabetics particularly, gum disease can be a two-way problem: Diabetes can make gum disease worse, and, in turn, gum disease makes it harder to control blood sugar. 5. Regular dental care is a first line of defense against oral cancer, which most affects seniors over age 60. This deadly cancer is diagnosed in approximately 40,000 Americans annually, and more than 8,000 die from it every year. The disease is treatable when caught in its earliest stages.
Seniors should brush twice a day with fluoride toothpaste, floss daily and see a dentist a minimum of twice a year for preventive exams and cleanings. Cavities, a broken tooth and even gum disease are painless in early stages. Waiting to call a dentist until you have a painful problem can be a costly mistake.
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Silent Strokes Can Jeopardize Memory
T
he symptoms of a stroke are sometimes obvious, like numbness or weakness on one side of the face, trouble speaking, difficulty walking and vision problems. Some strokes, though, pass completely unnoticed but can have a significant and lasting effect on memory. These so-called silent strokes create pinpoints of dead cells in the brain that often don’t affect areas of the brain associated with movement or speech. During a typical ischemic stroke, a blood clot blocks a blood vessel that feeds part of the brain. Without a steady supply of blood, cells in that area malfunction and may die. Symptoms that appear reflect the functions that were controlled by the affected part of the brain. During a si-
lent stroke, the interruption in blood flow occurs in part of the brain that doesn’t control any vital functions. Although it doesn’t cause any obvious symptoms— most people who’ve had a silent stroke have no idea it occurred—silent strokes could interrupt the flow of information in the brain needed for memory, especially if several of these strokes occur over time (which is the most common scenario). Damage from silent strokes can accumulate, leading to more and more memory problems. If you are experiencing signs of memory loss, don’t dismiss it as a normal part of aging. See your doctor for testing to make sure the issue isn’t a silent stroke. Information from Harvard Women’s Health Letter.
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Call toll-free 1-800-876-2227 24 hours a day, every day (TTY users dial 1-800-955-8771.
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Florida Blue is Florida’s Blue Cross and Blue Shield plan. *You must continue to pay the Medicare Part B premium. If it is determined that you owe a late enrollment penalty, you will still have to continue to pay this amount. **In select counties. Limitations, copayments and restrictions may apply. The benefit information provided is a brief summary, not a complete description of benefits. For more information, contact the plan. Benefits, formulary, pharmacy network, premium and/or co-payments/co-insurance may change on January 1 of each year. Florida Blue is a Medicare Advantage organization with a Medicare contract. A Medicare-approved Part D sponsor. Health insurance is offered by Blue Cross and Blue Shield of Florida, D/B/A Florida Blue. HMO coverage is offered by Health Options, Inc., D/B/A Florida Blue HMO, an HMO subsidiary of Florida Blue. These companies are Independent Licensees of the Blue Cross and Blue Shield Association. Y0011_74369 0812 CMS Accepted Lifestyles After 50 • October 2012 • page 20
The Oral Health Minute M
ini dental implants represent an incredible breakthrough in dental technology and have benefitted thousands of Americans by replacing missing teeth or anchoring their dentures. Recovery time is short and even people with compromised bone or medical health issues often qualify. At less than half the cost of conventional, large diameter implants, mini implants should be considered a viable treatment option to all patients who are missing one or more teeth. Mini implants are smaller in diameter than conventional dental implants. They look like small screws that are used to anchor restorations to replace missing teeth. Success rates are very high, just like conventional implants. “Minis,” however, have some unique benefits worth discussing. Due to their small diameter, minis can be placed without having to cut open and pull back the gum tissue. This makes stitches unnecessary, allowing for shorter recovery time and less postoperative discomfort. Another great benefit of minis is the fact that treatment only takes one or two visits. Minis can be loaded immediately, which means that you can use your brand-new implant to chew your dinner that same night. The small diameter of minis also allows more people to get treated without having to undergo bone-grafting procedures before the implants are placed. Patients with health issues may also benefit from mini implants, even if they were told before that they wouldn’t qualify for conventional implants. Lastly, a properly trained general dentist can perform mini implant procedures in their office, eliminating the need to see a specialist. This is not only more convenient, it is also more cost effective. Mini implants are very affordable and should be included in every treatment plan as an option for replacing missing teeth or anchoring dentures. Sarah Jockin, DDS practices in Tampa, FL. To read more of her articles or schedule a free consultation, please visit http://www.ImplantDentistTampa.com or call her office at (813) 960-9500.
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Lifestyles After 50 • October 2012 • page 21
Medicare Answers Dear Marci, My grandmother is homebound and needs a home health aide to help her bathe, dress and use the bathroom. Will Medicare pay for her home health aide? —Kristine
D
ear Kristine, Medicare will only pay for a home health aide if your grandmother meets all of the requirements necessary to qualify for the Medicare home care benefit. To qualify for the Medicare home care benefit, your grandmother must:
• Be homebound, meaning it is extremely difficult for her to leave the home and she requires help to do so. • Need skilled nursing care on a part-time basis or skilled therapy services. Skilled care is when the care can only be safely administered by a licensed nurse or therapist.
See Spot.
See Spot Change.
See your Dermatologist.
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Howard A. Oriba, M.D. • Michael G. Caruso, M.D. • Leslee Baute, P.A. THE SKIN CANCER CENTERS DERMATOLOGY ASSOCIATES www.theskincancercenters.com Lifestyles After 50 • October 2012 • page 22
• Have a face-to-face visit with a health care professional. Her doctor may sign a home health certification, verifying that she has had this visit and that she qualifies for home care because she is homebound and needs skilled care. • Receive certified care from a Medicare-certified home health agency (HHA). If your grandmother fulfills all of these requirements, Medicare will pay for skilled care in her home as well as care from a home health aide. A home health aide will provide personal care services, such as help with bathing, using the toilet and dressing. Keep in mind that her doctor will need to approve her plan of care every 60 days. As long as your grandmother continues to meet Medicare coverage rules, Medicare should continue to cover her care.
The Healthy Geezer BY FRED CICETTI
Q lower your cholesterol
. Can eating oatmeal really
or are the cereal companies selling us a story? The short answer is yes, oatmeal can lower your cholesterol. Now for the long answer. There are two types of fiber, soluble and insoluble. Soluble fiber is acted upon by the normal bacteria in your intestines. Insoluble fiber is not digested by the body and promotes regularity and softens stools. Wheat bran, whole grain products and vegetables are good sources of insoluble fiber. Soluble fiber appears to reduce your body’s absorption of cholesterol from the intestines. Oatmeal contains soluble fiber that reduces your lowdensity lipoprotein (LDL), the “bad” cholesterol that can increase your risk of heart attacks and strokes. This type of fiber is also found in such foods as kidney beans, brussels sprouts, apples, pears, barley and prunes. The American Dietetic Association recommends a healthy diet include 25 to 35 grams of fiber a day, including both soluble and insoluble fiber. (Soluble fiber should make up 5 to 10 grams of your fiber intake.) However, Americans only consume about half that amount. There are other foods that work against cholesterol. Soy protein, found in such products as tofu, soy nuts, soy milk and soy burgers, can help lower blood levels of LDL cholesterol, particularly when it’s substituted for animal protein. Ingesting 25 to 50 grams of soy protein a day lowers LDL cholesterol by 4 percent to 8 percent. That’s a lot of soy. People with the highest cholesterol levels seem to benefit the most from soy protein. Women with breast cancer or who are at high risk of breast cancer should consult with their doctors before eating soy, because it is not clear how these plant estrogens might affect them.
Studies have shown that walnuts can significantly reduce cholesterol levels in the blood. Rich in polyunsaturated fatty acids, walnuts may also help keep blood vessels more healthy and elastic. When walnuts represent 20 percent of the calories in a cholesterol-lowering diet, they reduce LDL cholesterol by 12 percent. Almonds appear to have a similar effect. All nuts are high in calories, so use them as replacements for high-calorie foods with high levels of saturated fats. Omega-3 fatty acids in fish are noted for lowering triglycerides, another form of fat in your blood. They also benefit the heart in other ways. The highest levels of omega-3 fatty acids are in mackerel, lake trout, herring, sardines, albacore tuna and salmon. Other good sources of omega-3 fatty acids include flaxseed, walnuts, canola oil and soybean oil. Some foods are fortified with plant substances called sterols or stanols, which are similar in structure to cholesterol; this helps them block the absorption of cholesterol in the intestines. Margarines and orange juice that have been fortified with plant sterols can help reduce LDL cholesterol by more than 10 percent. The American Heart Association recommends foods fortified with plant sterols only for people who with high levels of LDL cholesterol. You may want to try eating more soluble fiber, soy protein, walnuts and fatty fish. The next step would be the addition of foods fortified with plant sterols. Eating a combination of these cholesterol-lowering foods increases the benefit. Of course, if you’re a geezer and you plan to make a change in your habits that could affect your health, it is recommended that you consult your doctor first. If you would like to read more columns, you can order a copy of “How To Be A Healthy Geezer” at www.healthygeezer.com. All Rights Reserved © 2012 by Fred Cicetti.
AL License #9949
Happy Halloween! From
Lifestyles After 50 • October 2012 • page 23
I
t’s the fall football snacking season, and popcorn is definitely the American snacking staple. Innovations with popcorn have mostly been in how it was cooked—in a pan over an open fire or a burner, in an electric popper and then to the microwaveable pre-measured bag. Now it’s time to spice up this old favorite.
In small bowl, place 2 cups popped corn. Set aside. Combine remaining popcorn with corn chips and peanuts. In small saucepan, melt butter with hot sauce, celery seed and salt. Pour over popcorn-peanut mixture, tossing gently to coat. Spread on 15 x 10 inch baking sheet. Bake at 350 degrees F for 10 minutes. Remove from baking sheet to large serving bowl. Toss with remaining 2 cups popped corn. Serve immediately or store in airtight container.
Recipe Buffalo Style Popcorn Recipe ingredients 2 1/2 qt popped corn 2 cups corn chips, slightly broken 1 cup dry roasted peanuts 1/4 cup butter 2 Tbsp. Louisiana style hot sauce 1 tsp. celery seed 1/4 tsp. salt, optional
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In 1947, Chuck Yeager traveled faster than the speed of sound for the first time and reported hearing the “…world’s secondmost perfect pop.”
Spicy Cheese Popcorn
Recipe ingredients 1/4 cup butter, melted 1/2 tsp. paprika 1/2 tsp. chili powder 1/2 tsp. garlic salt 1/4 tsp. onion powder 8 cups popped corn 1/4 cup grated Parmesan cheese Combine butter, paprika, chili powder, garlic salt and onion powder. Pour over popped corn. Stir to coat popcorn evenly.
Turn mixture onto baking sheet. Bake at 325 degrees F for 7 to 10 minutes, or until crispy. Stir once. Sprinkle with cheese and toss to coat evenly. Let stand on baking sheet, stirring once or twice as mixture cools.When thoroughly cool, divide the popcorn into sandwich bags.
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Lifestyles After 50••October October 2012••page page26 36 TFO-Senior Connection-October.indd 1 2012 Lifestyles After 50
9/20/2012 4:40:07 PM
Wife’s Generous Tip
From The American Contract Bridge League
Play
those suits. He also showed up with 3 ear Mark: Please tell me how Diamonds. That leaves two Clubs at BY BRIAN GUNNELL this tipping experience should most. But would East bid so much have played out. I was playing rouwith 4=4=3=2 distribution and lette and having decent success. While virtually no HCP? No, it seems playing, I asked the dealer what his more likely that East is 5=4=3=1 favorite number was (13), a number I and, if so, Declarer must hope that never play because I think it is unEast’s Club is the Jack or Ten or lucky. Still, I decided to place four $5 Nine. She cashes the ♣A and, chips straight up on 13. I then told seeing East’s Ten, prepares to take the dealer that “five of it is yours” if an impressively deep finesse of he hit it. The ball dropped in 13, and the Eight on the second round! the dealer paid himself $175. Here Well counted for 11 tricks is where it gets interesting. My husexcept for one tiny detail. That’s right, West can also count and he band happened to have come up on rather than the receiving thethe tipsecond directly inserts Nine on my win at the payoff and was miffed afterround the payoff. This side wager of Clubs. Now Declarermakes that the dealer got $175, and not them feel in like they’rewith alsono in safe action and is locked Dummy just a $5 chip. He thought the dealer have a stake in the game. A bet fora the way back to his hand (if he plays didn’t deserve that amount for doing dealer provides a little excitement Spade, East will be sure to win andin nothing more spinning the wheel. As what be through). a pretty monotonous fire a can Heart Down one. job. a former dealer/pit boss, what is the My only concern is that to make Declarer’s play was flawless rightit protocol for this payout, the $5, or the all legit, the dealer should try, with up to the point where he called for $175,fter which, the way, I was okay N-S by reached 3NT, East, time permitting, offset his chip he Dummy’s ♠A at to Trick 1. Instead, with the dealer getting? figuring that his side—Kimmy had a T. for thehold cameras the ball must up thewhile Ace and win was the secprofitable sacrifice, offered his circling, along with calling ond round. That way, later inover the the play, partner choice or your 4♠. Allow a lead in,between Kimmy,4♥ with pit boss for the “she said” payoff. he can get safely back to hand with a This pushedconcerning N-S to the perilous superstition the number 13. Now back to that $5 chip, Spade ruff and take that second Club of 5♦, which, you will Itcontract is a phobia known asas Triskaidekaandanother getting contract your bites the finesse. Yet see, Declarer is about bungle. num- Kimmy, phobia, associated withtoanything husband even more peeved. dust because of hasty play at Trick 1. Against 5♦ West leads the ♠K, won bered thirteen. Providentially, your A fewacbl.org casinos for allow theabout dealer to Visit more by Dummy’s Acethe andstopping trumps are random spin had point of wager the $5 chip again. What I am rethe fascinating game of bridge drawn. Declarer can and count 10 topthe 13. Winner, Kimmy, winner ferring to is that in roulette, players are or email marketing@acbl.org. tricks, butperhaps where is the 11th? theat croupier, because youNot look paid “to” one versus “for” one. When To find a bridge club in Florida, go ♥K as West needs theas♥A to justify his betting for the dealer a contribution odds are stated “for” one, you do to district9acbl.org/D9Clubsmap.htm. Takeout Double. That means a 4th the to the Dame of Fortune, Ladythat Luck. not get back initialcourtesy bet. However, Bridge articleyour provided Club trick is required. Are Clubs 3-3? Responding to your question from a his single number win in roulette of St. Petersburg Bridge Club: Let’s games count the hand. Eastperspective, bid both table management receives 35-to-1, which is a 35-chip www.stpetebridge.org. majors and is no doubt least 4-4 in mentioning “five of it isatyours” would payoff ($175), plus the original $5 chip be construed as a tip for the dealer, no on 13, which is either taken down, or different than a $5 bet for the dealer some casinos permit dealers to let it in front of your wager would be in ride. It sure could have gotten ugly blackjack, or $5 riding alongside yours had the 13 hit back-to-back. Security! on the Pass line. Sure, the payoff of $175 seems sizable to your husband, Gambling Wisdom of the Week: MAIL TO: ONLY but it reflects the odds of actually $12 “Someone once asked me why NEWS CONNECTION USA, hitting the number thirteen—one as much as INC. A YEAR women don’t gamble 638 in 38. You could have tip ADDRESS men do, and IP.O. gaveBOX the commonSENDoffered IN YOURaNAME, SEFFNER, FL 33583-0638 AND $12your TO BEwinCONNECTED directly to the dealer with sensical reply that we don’t have as nings, but in your case, you voiced a much money. That was a true but verbal side bet on top of your1-888-670-0040 wager, incomplete answer. fact, women’s CALL FORIn DETAILS to which you agreed to make payment. total instinct for gambling is satisfied Visitprefer? www.lifestylesafter50fl.com So which do most dealers The by marriage.” –Gloria Steinem majority of dealers favor a side bet (SENIOR WIRE)
A
Join Us Each Month for Puzzles, Information and Events!
You Can Bet on This Easy Getaway
for Fun
BY KATHY BECK
T
he Beau Rivage Resort & Casino and Vision Airlines, which flies out of the St. Pete-Clearwater International Airport, make for an unbeatable weekend getaway. Last month, my husband and I took advantage of the convenient, direct $199 package deal including airfare on charter flight, ground transportation, two night deluxe accommodations and $50 freeplay. Like checking in for a cruise, we just handed our bags to the airport staff at check-in and started relaxing. Our luggage was delivered to our room upon our arrival.
Travel
The Beau Rivage Resort & Casino is MGM Mirage’s destination resort on the Mississippi Gulf Coast with the feel of a Las Vegas casino. At first sight, I loved the elegance of the Beau Rivage architecture and design scheme, which was full of Southern charm. The atrium is filled with thousands of plants and flowers that are changed seasonally. We learned that, beginning in November, the public areas become a true holiday wonderland. Our room was spacious and overlooked both the pool area and the
Gulf. It’s the life of leisure to hang out in the lushly landscaped pool area and then pop down for a bit of gaming whenever you feel like it. The 85,000 square foot gaming area includes a 16-table poker room, 2,000 slot machines, a baccarat table and much more. I enjoyed the 25 cent slots mostly. A state-of-the-art theater seats over 1,500 and features top entertainment throughout the year. Twelve restaurants meant dining choices with offerings from traditional to exotic cuisine. The B R Prime restaurant combines glamour with great food. Two glass-enclosed, floorto-ceiling wine cellars give guests 400 wine options to choose from, and sommelier Mark Warren retrieves each bottle himself for dinner guests. Other restaurant choices feature ethnic dishes, Memphis-style barbecue, a traditional casino buffet and much more, as well as four bars. Our favorite spot was the EIGHT75 nightclub, which features live music every night and is rated one of the top nightclubs and bars in the country. Not a gamer? Go along with the group, and there’s still plenty to do. Consider Fallen Oak for golf amid more than 1,000 old oaks, pines and magnolias.
We met Red Hatters from the Tampa Bay Area who celebrated their birthdays with a fun visit to the Beau Rivage. (L to R) Christine Towers, Donna Fluno, Bernice Lavery, Paula Bazilla and Marilyn Waltz.
Reservations
Or maybe you’ll spend time strolling in the retail promenade featuring shops like Tommy Bahamas’, Da Milano and the $10 Boutique I used the fitness center’s weights and machines and visited the spa for a relaxing massage in one of 14 massage treatment rooms. Don’t be fooled—it’s all about the destination. And making your own or your group’s destination the Beau Rivage Resort & Casino really is the easiest, most fun and economical way to go.
for travel packages may be made at 1 (877) GO2-BEAU. Packages start at $199 per person, double occupancy, plus taxes and fees, and are limited, subject to availability. Flights leave Mon., Tues., Thurs., Fri. and Sat. Flights will depart PIE at 1:45 p.m. and arrive at Beau Rivage at 2:05 p.m. Flights leaving Gulfport/Biloxi will depart at 10:30 a.m. and arrive back at St. Pete-Clearwater at 12:50 p.m. (all flight times are local). Coast Transit Authority (CTA) provides transportation around the Biloxi area. Single rides: $1.25. Passengers over 60: $0.60. Unlimited daily pass: $5. Coasttransit.com. Lifestyles After 50 • October 2012 • page 27
Tomorrow is based on what you do today. No matter what happens in your future, you need to be ready for it. You need to set goals for it, save for it and invest carefully. You need to make fiscal responsibility a personal value. Most of all, you need a strategy. Daniel Edmondson Financial Advisor 4890 W Kennedy Blvd Suite 700 Tampa, FL 33609
As your Financial Advisor, I’ll work with you to create a strategy — one based on the realities of both your life and the financial world. Meet with me, and let’s get your future started.
813-286-5661 daniel.edmondson@mssb.com
The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives. © 2011 Morgan Stanley Smith Barney LLC. Member SIPC. GP11-01362P-N09/11 6797930 MAR003 10/11
Municipal Bond Basics, Part One
Credit Quality s an asset class, municipal bonds offer a degree of creditworthiness that is considered second only to US Treasury and Agency debt. The vast majority of municipal bonds are rated by one or more of the three leading credit rating agencies, Moody’s Investors Service, Standard & Poor’s and Fitch Ratings, giving investors the ability to decide which level of credit quality they are comfortable with in relation to their investment objectives. Some municipal bonds come to market with bond insurance, which guarantees the timely payment of interest and principal when due, should the insured bond issuer default. The insurer ultimately assures the repayment of principal and interest; consequently, insured bonds usually are assigned the higher of either the issuer’s or the insurer’s credit rating. Therefore, for issuers with ratings lower than the insurer’s, the insurance provides a higher credit rating than would otherwise be assigned for the bond issue. Investors rely on credit ratings to assess an issuer’s ability to make timely pay-
A
ments of interest and principal. Bonds whose ratings are considered “investment grade” may be suitable for conservative investors. However, it’s important to remember that credit ratings are subject to change without notice at any time. Before investing, you should review a bond’s credit rating and understand the effect a rating change would have on your investment. Securities rated below investment grade are generally suitable for aggressive investors only. Daniel Edmondson is a Financial Advisor with Morgan Stanley Smith Barney in Tampa, FL. Although Daniel Edmondson has helped to underwrite the production cost of the magazine to feature this article in its publication, it is not a solicitation nor is it intended to provide individually tailored investment advice. The strategies and/or investments referenced may not be suitable for all investors. The views expressed herein are those of the author and may not necessarily reflect the views of Morgan Stanley Smith Barney LLC, member SIPC. Daniel Edmondson may only transact business in states where he is registered or excluded or exempted from registration http://brokercheck.finra.org/Search/Search. aspx]. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Daniel Edmondson is not registered or excluded or exempt from registration. Interest on municipal bonds is generally exempt from federal income tax; however, some bonds may be subject to the alternative minimum tax (AMT). Typically, state taxexemption applies if securities are issued within one’s state of residence and, if applicable, local tax-exemption applies if securities are issued within one’s city of residence. Insurance does not pertain to market values, which will fluctuate over the life of the bonds; FAs/PWAs should inform clients that insurance covers only the timely payment of interest and principal when due. Credit ratings shown may be the higher of the ‘underlying’ rating of the issuer or the rating of any insurer providing credit enhancement to the bonds. It is important that you obtain the underlying credit rating of the issuer and consider it as a factor in any investment decision. Information on the underlying credit rating of the issuer can be obtained from your FA/PWA. The tax-exempt status of municipal securities may be changed by legislative process, which could affect their value and marketability. The value of fixed income securities will fluctuate and, upon a sale, may be worth more or less than their original cost or maturity value. Morgan Stanley Smith Barney is not acting as a municipal advisor and the opinions or views contained herein are not intended to be, and do not constitute, advice within the meaning of Section 975 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Morgan Stanley Smith Barney and its Financial Advisors do not provide tax advice. Individuals are urged to consult their tax advisor regarding their own tax or financial situation before implementing any strategies.
Two Tax-friendly Ideas for Your Extra Retirement Cash
I
f you’re a retiree with more than enough money at the end of each month, don’t let excess cash stack up in your checking account. Instead, take a deliberate approach to putting the money to work. One option is to help others with education expenses.
Finance Helping Future Generations through College
If you want to help grandchildren or others with their education, consider investing in a 529 College Savings Plan, which provides federal income tax-free withdrawals for qualified education expenses. Withdrawals for purposes other than qualified educational expenses are subject to income tax and can incur an additional tax of 10 percent on the earnings in the account. Contribution limits are very high and unlike IRAs, they aren’t affected by an investor’s income level. Lifestyles After 50 • October 2012 • page 28
Other 529 plan benefits:
• Lump-sum contributions of up to $65,000 ($130,000 for married couples) can be made without triggering gift taxes in a single year through the accelerated gift option unique to 529 Plans. However, with this option you can’t give additional gifts to a grandchild during the five-year period without incurring the gift tax.
Don’t let excess cash stack up in your checking account. Instead, take a deliberate approach to putting the money to work. • Money you contribute is removed from your estate, which means that amount will not incur estate taxes, even though you maintain control over it. • Provided you don’t establish the 529 in a custodial account, you’ll have the ability to change who gets the benefits.
• There is minimal effect on financial aid since it is not considered the child’s asset. How do you choose a 529 plan? There are many plans, each sponsored by an individual state. First, find out if your state provides tax breaks for contributing to its plan. If it does, it may be best to use it. If not, find a plan with competitive
investment options, reasonable expenses and reward services.
The direct route: If your loved ones are already in college, you can pay some or all of their tuition directly. It won’t count against the annual limit on tax-free gifts—if your check is made out to the school and not to the student you’re helping. Information from USAA.
���������Discounts Brandon Hospital Auxiliary Insurance ���������� ������������������ and The $1 Million Giveaway! For Mature Drivers ����a��Florida’s Have ����������� Driver’s License ��������� �������� and are 55 ����������years ������� of age or older? ���� ������������
Take Your Class Online! ���at��� ���leisure, ������ • Study your 24�� hours week. �����a day, 7 days a�� ���������������� • Simply course materials online and then answer a few quiz questions. ����read ���the ���������������� � � � �� �� �� • There is no need to attend boring classes or listen to long lectures. �� �������������� ��������������������� • After completion, of course we�� will issue a�� state-certified certificate for you to
����
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ho wants $1 million? Students do, that’s who! The Brandon Regional Hospital Auxiliary has given away that amount in scholarships since 1979 to students who are pursuing an education in the medical or health related field. Pictured above are some of the students who were a part of this year’s $40,000 in scholarships.
������� ��year ���period. turn into your insurance company to receive your discount for�a�� three ��
The 200 current members of the Auxiliary serve in many areas of the hospital, including operating two gift shops within the hospital. Proceeds from the gift shops, two annual book fairs and other fundraisers fund the scholarships as well as provide contributions to local charities. For information about the Brandon Auxiliary, call Tim Humberson at (813) 340-4341 or (813) 689-5428.
Take Your Mature Driver Course On The Internet! If you have a Florida Driver’s License and are 55 years of age or older, you are now eligible to complete motor vehicle accident prevention course that will allow you to receive a mandatory reduction on your insurance rate for three years.
Florida Department of Highway Safety & Motor Vehicle Approved Course
To Register go to:
www.seniordriverclass.com
or call 1-800-771-2255
Car Color Reveals Inner Self— p and down the west central or Does It? U Florida coast, you’ll find opportunities to celebrate Florida! BY LAUREN FIX for USAA
W
hat does your car say about you? Interestingly, the car and the color make a big statement about your personality. A person with a red Corvette seems to be saying, “Look at me!” Someone with a beige car, however, is likely low-key and doesn’t like to stand out in a crowd. With my 30-plus years in the automotive industry, I can usually guess what color car someone drives after meeting them. A leading car manufacturer recently conducted research and made some interesting conclusions about the link between a car’s color and a driver’s personality: • White—Quiet and brilliant • Orange—Outgoing and brilliant • Red—Attention-seeker • Ice blue—Cool and alert • Medium blue—Dependable and loyal
• Green—Refreshing and relaxed, or just laid back • Purple—Magical and complex Black, silver and gold weren’t part of the study, but I say black vehicles state that you like to be under the radar, yet still want attention for your style. Silver, in my opinion, means you are a wellbalanced person who wants low stress and gold equates to a fashion statement. So, what color car do you drive? Is this a real description of your personality and how you feel? (Or were you just after the best deal, regardless of color?) Try it out on your friends and family for some fun. Lauren Fix, also known as The Car Coach®, is working with USAA to spread the word about USAA’s second annual Best Value vehicle list.
12 18 20
– 13 Fine Swine in the Pit, Mulberry. Games, music, BBQ. More info at (863) 712-0625.
– 21 Clearwater Jazz Holiday, Coachman Park, St. Pete. Four days, free. Call (727) 461-5200.
Micanopy Fall Harvest Festival in “The town that time forgot.” NE. Cholokka Blvd., Micanopy. Info at (352) 466-7026 or email micafest@micanopyfallfestival.org.
20
– 21 Rattlesnake Festival, San Antonio. Snakes, gophers, entertainment, Rattlesnake Run, Miss Rattler Pageant, food, entertainment. (352) 588-4444; rattlesnakefestival.com.
26
– 28 Sarasota Pumpkin Festival, Sarasota. Circus acts, carving contests, music, vendors. Info online at sarasotapumpkinfestival.com or call (941) 706-7605.
27
– 28 John’s Pass Seafood Festival, Madeira Beach. Fishing expo, oyster-eating contest, crab races, juried arts and crafts show, life entertainment. Info: (727) 391-6025 or visit johnspassfestivals.com.
Lifestyles After 50 • October 2012 • page 29
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How To Avoid Elder Financial Abuse
W
hile elder financial abuse decimates incomes, affects the health of its victims and fractures families, the MetLife Mature Market Institute offers free resources and tools, including steps you can take to protect yourself and those you care for:
• Protect Your Passwords. Don’t share passwords. Change them if you feel they’ve been seen or used by someone else. Immediately notify the company or bank if, when reviewing your financial statements, you see charges or transactions you didn’t make.
• Stay Active. Socialize with family members and friends. Get involved in activities you enjoy. Isolation can leave you more vulnerable to exploitation.
• Know What to Do if You’re a Victim. Don’t be afraid or embarrassed to discuss your concerns with someone you trust—relative, clergyman, bank manager, attorney. Knowing the resources you can turn to, including the police, your bank and Adult Protective Services, can be the first steps in addressing the problem.
• Know the Facts and Stats. According to “The MetLife Study of Elder Financial Abuse,” most elder financial abuse is committed by strangers but about a third is by family, friends or neighbors.
• Monitor Your Affairs. Take your time and consult with people you trust before making important financial decisions. Check credit card and bank statements and bills for accuracy. Use direct deposit to prevent mail theft. Sign your own checks when possible.
• Beware of Telephone Solicitations. Billions of dollars are lost each year to fraudulent telemarketers. Consider using an answering machine or caller ID to screen calls. You can add your name and phone number to the National Do Not Call Registry at (888) 382-1222.
• Learn More. Pay attention to tips and articles on the subject. (NAPSA)
• Be Organized. Keep important papers and legal documents in a secure place. Review them at least annually.
• Be Cautious. Be careful when responding to solicitations. Don’t let anyone pressure you into making an immediate decision. If something sounds too good to be true, it probably is. Speak with a family member or trusted friend before sending money or providing bank account, credit card or Social Security numbers.
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Presents the www.lifestylesafter50fl.com website • Local and World News • All Your Favorite Events Lifestyles After 50 • October 2012 • page 30
• Great Stories & Information • Travel, Finance, Health & More!
Amateur Estate Planning Advice Not Always Best BY WILLIAM R. MUMBAUER, Attorney
www.flwillstrustsprobate.com
T
he Scenario: Overheard while standing in the queue at a bank teller’s window: Bank Customer: I would like to open a savings account, please. Helpful Bank Teller: Would you like to put anyone else’s name on the account? Bank Customer: I really haven’t given it much thought. Helpful Bank Teller: Do you have a will? Bank Customer: No, why do you ask? Helpful Bank Teller: Because if you die and you don’t have a will—and if nobody else is on the account—all the money will go to the state. Bank Customer: Well then, let’s put my nephew on the account. He’s always been my favorite nephew anyway.
The Law And You What’s wrong with this advice? First, the bank teller, no matter how helpful
she may seem, is practicing law without a license. Whether or not her bank customer has a will is none of her business. Second, the bank teller was wrong on several counts. For instance, even without a will, the money in the bank customer’s account would not go to the state at her death. Every state, including Florida, has laws of “intestacy” that govern who is entitled to receive the property of anyone dying without a will. Usually, the property goes to the decedent’s closest relatives. Property would only go to the state if there were no surviving relatives to be found. Additionally, putting her nephew’s name on the account gives him actual co-ownership, probably not what the bank customer had in mind. The bank teller was correct on two counts, however. By putting her nephew on her account, he will have access to the account during the bank customer’s lifetime and he will also inherit the account at her death. But is this what the bank customer really wants? And should she be making decisions like this on the spur of the moment without first discuss-
ing it with her attorney? Probably not. In short, the moral of this story is, when making decisions as important as those involved in estate planning, don’t rely on the informal advice of friends, family or even helpful bank tellers.Take the time to think about what you want and meet with a qualified estate planning attorney to develop the best plan to carry out your well-considered wishes.
Mr. Mumbauer, a fifth generation Floridian, has maintained a law practice in Brandon, Florida since 1980 with emphasis on estate planning. He takes special pride in representing the senior community by maintaining a sensitive and practical approach to problem solving. He is a member of the National Academy of Elder Law Attorneys, the Elder Law Section of the Florida Bar and is a participating attorney in the AARP Legal Services Network. He is also a Mentor in probate law and has been qualified by the Second District Court of Appeal in Florida as an expert witness in matters involving the drafting of wills. Mr. Mumbauer’s Martindale-Hubbell Peer Review Rating for Legal Ability is 4.4 out of 5 Distinguished and his Martindale-Hubbell Client Review Rating is 5 out of 5 Preeminent. His articles are based on general principles of law and are not intended to apply to individual circumstances.
Don’t put off estate planning any longer. Call
31 YRS
William R. Mumbauer, P.A.
205 N. Parsons Ave., Brandon
• Free, no obligation consultation. • Single will $150 • Husband and wife wills $200 Costs, if any, extra The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask the lawyer to send you free written information about his qualifications and experience.
Time To Refinance?
T
here is a huge refinance boom going on currently. Millions of people are taking advantage of today’s historical low interest rates, even if they owe more than their house is worth. The unprecedented HARP, which is an acronym for Home Affordable Refinance Program, has been under way since 2009. In order to qualify under HARP there are a few stipulations you must address. First, you must be current on your mortgage and have had no more than one 30 day late payment in the last 12 months. Second, your mortgage must have been sold to Fannie Mae or Freddie Mac before May 31, 2009. In order for this to have occurred, you must have closed on your current mortgage sometime before May 31, 2009. You can confirm this by visiting fanniemae.com/loanlookup or freddiemac.com/mymortgage and submitting the requested information located on the respective sites. The company you make your payment to
may not be the actual owner of the mortgage, but only the servicer. There is another program available for FHA (Federal Housing Administration) insured loans. FHA loans come with a built-in mortgage insurance feature to help protect against mortgage defaults. There is an Up Front Mortgage Insurance cost charged whenever you purchase or refinance, and there is an annual mortgage insurance that remains in place for the first five years of the loan. With FHA mortgages, you have the opportunity to lower your interest rate as well as your insurance premium. Like HARP, you must be current on your loan and have made your payments on time for the last 12 months. Your loan must have been secured by FHA before May 31, 2009. There are no upfront costs required to determine if a refinance may be right for you. Consult a mortgage professional at Streamline Financial Group, Inc. today at (561) 364-LOAN.
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Specializing in the Tampa Bay Area robert@streamlinefg.com www.streamlinefg.com Lifestyles After 50 • October 2012 • page 31
When It Comes To Pets, Know Your Parasites BY ROCHELLE CAMPBELL, DVM
H 10931 Boyette Road, Riverview
671-3400
A Complete Medical, Dental and Surgical Facility
• Blood Analysis • Xrays • Behavioral Consultation • Lab Work • Boarding & Grooming Facilities • Reptiles & Birds welcome too! Office Hours By Appointment Mon. – Thurs. 7 a.m. – 7 p.m. Fri. 7 – 6:30 p.m. Sat. 8 a.m. – 4 p.m.
ere in Florida, parasites are a constant problem for pets and their owners. Our warm, moist environment is favorable for all types of parasites, including (but not limited to) heartworms, hookworms, roundworms and whipworms.
Caring For Your Pet Heartworms are parasites that are spread by mosquitoes, which, as we all know, are extremely prevalent in Florida. A mosquito will feed on a heartworm-infected dog, then will travel to an uninfected, unprotected dog and “inject” larval stage heartworms into the uninfected dog. As the immature larvae grow into adults, eventually they come to live in the pulmonary artery (the main vessel connecting the heart and the lungs). The adults can live for years and can
cause significant damage. Dogs can experience coughing, exercise intolerance, anemia, fluid development within the belly and even death. Cats can become infected with heartworms too, although diagnosing heartworms in cats is difficult. Heartworm prevention medication given once a month is the very best way to keep pets safe from heartworm disease. For those dogs infected with heartworms, treatment options are limited, costly and can occasionally cause severe side effects, so prevention is the best medicine. Hookworms, roundworms and whipworms are intestinal parasites. They are spread primarily through a fecal – oral route, as the eggs are shed in the feces of an infected animal.
These parasites can cause significant damage in the gastrointestinal tract. Clinical signs of an internal parasite infection can include diarrhea, weight loss, vomiting and even anemia and death in severe cases. Monthly heartworm prevention medications contain a dewormer so it is especially important to give this type of medication. Hookworms and roundworms in particular can be transmitted to humans, so it is important to take precautions within your environment if your pet is diagnosed with these parasites. Our animal hospital recommends a heartworm test and a stool test at least once every six months. As always, regular vet check ups are recommended to keep your pet healthy and happy!
Join “Stride for Strays” 8 Things Never to Feed Your Pet
H
ere’s a way to help! the Animal Coalition of Tampa (ACT) will hold this year’s Stride for Strays fundraising event Sunday, Oct. 21 from noon to 6 p.m. at Curtis Hixon Park in downtown Tampa. This event brings pets and animal lovers from around the area for a 3k walk to raise funds for the ACT Spay/ Neuter Clinic. Register at strideforstrays.org, form a team, solicit funds,
Lifestyles After 50 • October 2012 • page 32
whatever it takes to get the word out! Prizes will be awarded for teams and individual walkers. In addition to the walk, you can enjoy food, fun and entertainment. Food trucks and a food court will be available. ACT provides numerous services and products at the lowest prices possible, including the Neuter Scooter, a free transportation service to transport pets for services. Volunteers are always welcome at the facility at 1719 W Lemon St., Tampa (in the big orange building). For more information, please call (813) 250-3900 or visit their website at actampa.org.
Y
ou can’t feed your pet the same things you feed a human family. Here are some foods never to give your furry companion, courtesy of the American Society for the Prevention of Cruelty to Animals.
Never feed your pet: Alcohol. Beer, wine and spirits act as a depressant on animals’ nervous systems, leading to breathing problems and even coma. Animal bones can damage teeth or splinter and damage the digestive tract. Stick to “treat” bones.
Chocolate or anything with caffeine can cause palpitations, tremors,
seizures, dehydration and death.
Grapes and raisins can cause kidney failure in dogs and cats. Gum, baked goods and candy may contain sylitol, which can cause liver failure.
Milk—adult animals don’t have the lactase to digest milk, and feeding it to them can cause diarrhea. Onions, garlic and chives may cause red blood cell damage to animals. Uncooked dough contains yeast, which can rise in your pet’s digestive tract and cause stomach or intestinal damage.
How’s That Again?
Last Month’s Answers
September Sudoku
1. ARBITRATOR: A cook that leaves Arby’s to work at McDonalds.
8. EYEDROPPER: A clumsy ophthalmologist.
2. AVOIDABLE: What a bullfighter tries to do.
9. HEROES: What a guy in a boat does.
Betty Baker is last month’s winner! Congratulations!
3. BERNADETTE: The act of torching a mortgage.
10. LEFTBANK: What the robber did when his bag was full of money.
New winner selected each month
4. BURGLARIZE: What a crook sees with.
Humor 5. CONTROL: A short, ugly inmate. 6. COUNTERFEITERS: Workers who put together kitchen cabinets. 7. ECLIPSE: What an English barber does for a living.
Word Search
Win Great Prizes!
Good Luck!
Oct. Sudoku
11. MISTY: How golfers create divots.
Sudoku requires no arithmetic skills.The object of the game is to fill all the blank squares with the correct numbers. Each row and each column of 9 numbers must include all digits 1 through 9 in any order. Each 3 by 3 subsection of the 9 by 9 square must include all digits 1 through 9 as well. Good luck! The first correct answers selected from the drawing on Oct. 21 will win. Send your answers along with your name, address and telephone number to: NEWS CONNECTION USA, INC. P.O. BOX 638, SEFFNER, FL 33583
12. PARADOX: Two physicians. 13. PARASITES: What you see from the top of the Eiffel Tower. 14. PHARMACIST: A helper on the farm. 15. POLARIZE: What penguins see with.
WIN! WIN! WIN! GREAT PRIZES!
SUDOKU MUST BE RECEIVED BY OCT. 21, 2012
Word Search October
In the grid below, twenty answers can be found that fit the category for today. Circle each answer that you find and list it in the space provided at the right of the grid. Answers can be found in all directions – forwards, backwards, horizontally, vertically and diagonally. An example is given to get you started. Can you find the twenty answers in this puzzle?
Answers From
September
Marie Sicignano is last month’s winner! Congratulations!
Send your answers along with your name, address and telephone number to: NEWS CONNECTION USA, INC. P.O. BOX 638, SEFFNER, FL 33583
The first correct answers selected from the drawing on October 21 will win. MYSTERY PRIZE!
WIN! WIN! WIN! GREAT PRIZES!
MYSTERY PRIZE!
(Puzzles must be received by Oct. 21, 2012.)
Lifestyles After 50 • October 2012 • page 33
Join Us
FREE
A F T E R 50
Presents the 8th Annual...
For the Best Event of the Year!
FREE PARKING & ADMISSION
Premier Sponsor:
Nov. 14, 2012 • 10am–3pm
FREE HEALTH SCREENINGS
Largo Cultural Center 105 Central Park Dr. • Largo, FL 33771
William “Duece” Hulett Best in Country Music The Knockouts Singing Sensations
Denise Looney “DJ with a Twist”
$1000s in Prizes & Giveaways! GRAND PRIZE
Call 1-888-670-0040 or go to www.lifestylesafter50fl.com
WIN A TWO NIGHT STAY at the GAYLORD PALMS RESORT, Orlando
Russell Cortese “Elvis”
Art DeMoranville “Doo Wop”
Betsy Verdier Country & Yodeling Fun
LIVE ENTERTAINMENT Make a difference.
Bring a non-perishable food item to donate to Neighborly Care Network.
• Blood Pressure • Bone Density • Eye & Ear Checks • Memory Screenings
Sports Center Play & Win!
LUNCH
Only $4.50
Luis Campaneria “Strolling Magic”
FREE BINGO! FREE
COFFEE & GOODIES
EDUCATION • INFORMATION • ENTERTAINMENT Join the Fun! One mile “walk” around Largo Central Park, November 14, 9:15 am, $4 minimum donation to Meals on Wheels. Enjoy...Continental Breakfast, T-shirt, Sponsor “Goodie Bag” & Prizes to the Winners! Call 1-888-670-0040, go to www. lifestylesafter50fl.com (MAIL DEADLINE 11/8/12) or sign up Thurs., Nov. 14 at 8:45 am.
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Information & Directions call: 1-888-670-0040 • www.lifestylesafter50fl.com Lifestyles After 50 • October 2012 • page 34
Enjoy Free Boktober Fest B
ok Tower Gardens will have free admission and fun for the whole family from 8 a.m. to 6 p.m. during Boktoberfest, Sat., Oct. 20. Octoberfest features a plant sale, a Biergarten with live entertainment, German food, craft and seasonal beers, face painting, silent auction and more. Live music on Saturday features a three-member lederhosen ensemble performing authentic German music. Throughout the day, enjoy accordion, vocals, yodeling, the Alpine Horn,
Singing Saw, Wooden Laughter, Alpine Bells, Soup Spoons and the Musical Schnitzel Baster. There’ll be singalongs, polkas, waltzes, comedy and more. Authentic German food including brats, Reuben sandwiches, German potato salad and more will be featured. A variety of keg and craft beers as well as wines, sodas and water will be available. Free satellite parking will be provided with shuttles available. Call (863) 676-1408 or visit boktoberfest.com for more information
SIGN UP TOD AY!
Presents the 8th annual...
A F T E R 50
One mile “FUN” Walk around Largo Central Park Walkers Receive: T-Shirt to first 100 walkers registered by mail, Continental Breakfast, Sponsor “Goodie” Bag & GRAND PRIZES to the Winners!
November 14, 2012
Largo Cultural Center 105 Central Park Dr. • Largo, FL 33771 Registration begins at 8:45 am • Free Parking
Warm Up by Silver Sneakers Walk starts at 9:15 am, $4 minimum donation for Meals on Wheels Please make checks payable to: News Connection USA, Inc.
After the us Walk Join .. at the.
100 Years Ago…Artifacts On Display
“T
itanic: The Artifact Exhibition” opens October 6 and runs through March 3, 2013. The fivemonth exhibition features artifacts designed to tell compelling human stories from the RMS Titanic’s last journey. Perfume, china and many other authentic objects offer emotional connections to the lives abruptly ended or forever altered when the ship sank. 100 years later, the Mahaffey Theatre in St. Petersburg will pay tribute
to the tragedy through an interactive program including components from The Titanic Mapping Project™, which shows the exact locations of artifacts recovered from the wreck site, creating a scatter pattern on the ocean floor; video footage explaining in detail how Expedition 2010 came to fruition and the technological breakthroughs that guided the expedition (ROV and AUV vehicles and cameras). Advance tickets for the exhibition are priced at $19.12 (to commemorate the year of the Titanic’s ill-fated voyage) with discounts for children, students, seniors, military and groups. For more info, visit TheMahaffey.com or call (727) 892-5767.
FREE!
Nov. 14, 2012 10 am – 3 pm Largo Cultural Center
Join the Fun! SEND This Walk Form Today!
LARGO
Fill out ths form and mail it with your $4 donation to: News Connection USA Inc., P.O. Box 638, Seffner, FL 33583-0638 TARTS YES! I would like to join the Fun Walk WALK S AM 5 1 : 9 MAIL IN DEADLINE Nov. 8 or Register at the AT
Largo Cultural Center 8:45 am, November 14, 2012
Age
Name Address City Phone Signature
Zip E-mail Date
In consideration of our acceptance of this entry, I for myself, my heirs, devises, executors, administrators and assign hereby waive, release, discharge any and all claims against Largo Cultural Center, or anyone sponsoring or conducting this event or thier employees, representatives or successors for any and all damages or injuries I may suffer. I hereby, grant permission for the free use of my name and pictures in any broadcast or account of this event. Sponsored by... Premier Sponsor:
Lifestyles After 50 • October 2012 • page 35
���������Insurance A Hold-Up ������Discounts ���� BRIDGE BITES
Join The Florida Orchestra for
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For Mature Drivers Play From The American Contract Bridge League
at one of our two matinee series!
those suits. He also showed up with 3 Diamonds. That leaves two Clubs at BY BRIAN GUNNELL most. But would East bid so much with 4=4=3=2 distribution and virtually no HCP? No, it seems more likely that East is 5=4=3=1 and, if so, Declarer must hope that East’s Club is the Jack or Ten or Nine. She cashes the ♣A and, seeing East’s Ten, prepares to take an impressively deep finesse of the Eight on the second round! Well counted for 11 tricks except for one tiny detail. That’s right, West can also count and he inserts the Nine on the second round of Clubs. Now Declarer is locked in Dummy with no safe way back to his hand (if he plays a Spade, East will be sure to win and fire a Heart through). Down one. Declarer’s play was flawless right Take Your Class Online! up to the point where he called for fter N-S reached 3NT, East, Dummy’s ♠A at Trick 1. Instead, he figuring that his side had a • Study at your leisure, 24 hours a day, a week. must hold 7updays the Ace and win the secprofitable sacrifice, offered his • Simply read the course materials online and then ond round. That way, lateranswer in the play, partner a choice between 4♥ or 4♠. he can get safely back to hand with a few quiz This a pushed N-S toquestions. the perilous Spadeclasses ruff and take that second contract of 5♦, as you will • There is which, no need to attend boring or listen to Club finesse. Yet another contract bites the see, Declarer is about to bungle. long lectures. dust because of hasty play at Trick 1. Against 5♦ West leads the ♠K, won After completion, of are course weVisit willacbl.org issue aforstate-certifi more about ed by •Dummy’s Ace and trumps fascinating gamecompany of bridge to certifi catecan forcount you10 totop turn intothe your insurance drawn. Declarer or email marketing@acbl.org. tricks,receive but where is the 11th? Not the your discount for a three year period. To find a bridge club in Florida, go ♥K as West needs the ♥A to justify his Takeout Double. That means that a 4th to district9acbl.org/D9Clubsmap.htm. Take Your Mature Driver On provided The Internet! Bridge article courtesy Club trick is required. Are Clubs 3-3? Course of St. Petersburg Bridge Club: Let’s count the hand. East bid both If you have a Florida Driver’s License and are 55 years of www.stpetebridge.org. majors and is no doubt at least 4-4 in
���������������������� ��������������������� �� Coffee Concert Series �������and��doughnuts �����as�well Enjoy complimentary coffee as lively ��� �����
commentary by the conductor and Pre-Concert Conversations in the hall one hour before curtain. The 7-concert series in St. Petersburg starts at $134, and a 3-concert package in Clearwater starts at $58.
Progress Energy Morning Masterworks This 3-concert matinee series is designed for fans who love hearing our traditional, classical Masterworks programs and prefer attending daytime concert performances. Prices start at $90. Subscribers to both series receive all of the Premium Package benefits, including premium reserved seats and free flexible ticket exchanges.
First Coffee Concert of the Season November 1!
Music of the Homeland
Have Florida’s Driver’s License ��a�� � � �� � � � age ���or�older? � and are 55 years of��
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age or older, you are now eligible to complete motor vehicle accident prevention course that will allow you to receive a mandatory reduction on your insurance rate for three years.
Stuart Malina conducts this morning Coffee Concert featuring select movements from Sibelius’ Finlandia, Dvorak’s Slavonic Dances Nos. 7 & 3, and Enesco’s Rumanian Rhapsody No. 1. Sponsored by:
Join Us Each Month for Puzzles, Florida Department of Highway Safety Information and Events! & Motor Vehicle Approved Course MAIL TO:
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To Register go to:
Progress Energy Center for the Arts Mahaffey Theater
727.892.3337 or www.FloridaOrchestra.org For group savings (10 or more) : 727.362.5443 Lifestyles 50 • October TFO-Senior After Connection-October.indd 1 2012 • page 36
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Keep Your Wallet Happy with These Ideas for Staying in Shape
I
f you’re feeling pinched financially but want to get in shape, never fear. You don’t have to invest in a costly gym membership. You don’t need to buy the latest high-tech treadmill or elliptical machine for your home. You just need some ideas—and motivation. Cleveland Clinic Sports Health exercise physiologist Heather Nettle, M.A., suggests six ways to exercise that won’t strain your budget:
1. Walking. Walking for 30 minutes a day can help you lose weight, control your blood sugar and lower your cholesterol and blood pressure. When it’s hot outside, try mall-walking or walking at a local indoor track. Can’t do 30 minutes? Three ten-minute walks per day work just as well.
Cost: You’ll want to invest in good walking shoes. These range from $60 to $120 at sporting goods stores. Running shoes work, too, but can be pricey. Replace shoes every 400 miles or twice a year, whichever comes first.
2. Exercise balls. Using an
exercise ball will help you keep your abdominals, back and hips strong. It can also help you improve your balance and agility. Use the exercise ball for stretching after workouts, too. You can find good exercise ball routines online.
Cost: Exercise balls come in different weights and materials. They run from about $8 to $50 at sporting goods stores. Printing out an online exercise ball routine will just cost you printer ink and paper.
3. Dumbbells. Dumbbells can
help you gain strength or maintain it. Weights range from 1 to 50 pounds. Start with the weight range that works best for you. When you feel ready, increase the load. Be careful, though—using weights incorrectly can lead to injury. Use your weights in front of a mirror to check your posture. If you have questions, consult an exercise expert. Cost: Depending on their weight and design, dumbbells range from $3 to $50 in stores. You can also find a reasonably priced set of small weights on a stand.
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4. Callisthenics. Forget past
memories of gym class and focus on how well you’ll tone your body with push-ups, crunches, squats, lunges and leg lifts. Cost: This is the least expensive way to exercise. All you need are comfy workout clothes.
5. Exercise DVDs. When it comes
to video workouts, there’s something for everyone: Pilates, yoga, Zumba®, kickboxing, even “Bollywood” dance. Using an exercise or dance DVD is like taking your own private aerobics class. However, don’t overdo it. Cost: Exercise DVDs cost very little, considering how often you can use them. Many DVDs can be purchased online for $6 to $20. Choose what you like and build up a collection, then vary your routine. Local libraries also carry a few choices to help you add to the variety without spending anything. A word of caution Before starting or drastically changing any exercise program, discuss your exercise plan with your doctor to make sure it is safe. With help, you can find a safe, affordable, effective way to stay in shape.
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Seniors Getting Together Attention SGTers!
Screen respondents carefully. Always meet in public places and have your own transportation. Don’t divulge your home address. Be sure to provide a way for your correspondent to respond to you – phone number, e-mail address or Post Office Box address. Contact the authorities if you feel threatened or harassed by an individual. Be patient and careful – a good relationship and your personal safety are worth the wait!
WOMEN SEEKING MEN 4119 SEEKING CHRISTIAN GENTLEMAN Former airline stewardess and model, 5’4”, 104 lbs., widow, slender, white with Ph.D. in healthcare. Fulbright scholar, eats healthy and exercises. Likes sports and animals. Loves the Lord. Florida. 4158 WW ASIAN LADY ISO healthy, active W/SOH, NS, W gentleman 60 – 70 YY for FF and companionship who would like travel to SE Asia and day trips in USA. Please send recent photo. North Pinellas. 4174 W F ISO HEALTHY, FUN-LOVING FRIEND companion for dining, movies, beaches, cruise travel, loves to cook,
SOH, ND, M or F. St. Petersburg. 4176 LADY SEEKS SAVVY GENT active—swims, hikes, day trips, concerts. WW, W, C, F, NS, ND, R, 5’2”, HWP, 70s—holistic, Palm Harbor. 4178 SEEKING COMPATIBLE GENTLEMAN 55+ I’m 5’4”, 120, ISO sincere, NS, ND, understanding, FF and companion. I walk, read, sight-see, relax, music. HWP, picture. Looking for romance. Pasco County. 4180 W, WW, HEALTHY, BLONDE attractive 70’s lady ISO 70 – 80 gentleman who enjoys travel, home, food, shows, going out + one cat. Recent relocation to Sun City.
MEN SEEKING WOMEN 4167 ISO EASYGOING SWF 45 – 65. M,W, R, D, 62, 6’1”, 170, NS, ND, FF, LTR maybe, SOH and TLC. Likes pets, swimming, beach walks, bicycles, tv, movies, similar. Hudson. 4173 WM SEEKING DISABLED W WOMEN C, ND, NS for LTR romance companionship. 58 to 70. No weird baggage. St. Petersburg – Pinellas County only. Phone appreciated, write. St. Pete, FL.
RUN YOUR AD FOR ONLY $6 A MONTH
SENIORS GETTING TOGETHER Personal Ad Placement
Deadline for ads is the 15th of the month prior to placement.
Only $6 to place an ad!
Mark The Edition(s) You Would Like To Run Your Ad In: Hillsborough & Suncoast (Pinellas/Pasco) Lake/Marion Counties Southwest/Charlotte (Fort Myers/Port Charlotte)
Ad Copy • Please Print Neatly • 30 Word Limit
Title (First 4 Words):
City (No Charge):
If more room is needed, please use separate sheet. Mail this form along with $6 for each ad per month (add $4 for each additional edition/market in the same month). We cannot accept your ad without it. This information is confidential.
Name: Address: City: Phone:
State: E-mail:
Zip:
MAIL TO: ATTN. / SENIORS GETTING TOGETHER, NEWS CONNECTION, USA, INC. • P.O. BOX 638., SEFFNER, FL 33583
Lifestyles After 50 • October 2012 • page 38
4177 SEEKING HEALTHY FEMALE 70 – 79 YO. WW, NS, ND, FF. Someone honest, tired of being alone, wakling, talking, dining out, fitness, can have good conversation. Brandon. 4179 SEEKING MY LAST LOVE Financially secure, in-shape 68 year old widower seeking my last love. Slim lady to share my life. Photo and bio appreciated. Will answer all. Leesburg. 4181 BALLROOM DANCING PARNTER WANTED No beginners, please. NS, ND, NDrg. Willing to take argentine tango lessons with this 50-year dancer. Fluency in German or Polish welcomed.
Commonly Used Abbreviations: F-Female, M-Male, S-Single, D-Divorced, WWWidow, A-Asian, B-Black, H-Hispanic, I-Indian, W-White, C-Christian, J-Jewish, YO-Years Old, YY-Years Young, ISO-In Search Of, SOHSense Of Humor, SM-Smokes, S-Light Smoker, NS-Non Smoker, ND-Non Drinker, SD-Social (Light) Drinker, DR-Drinks, NDrg- No Drugs, LTR-Long Term Relationship, HWP-Height & Weight Proportional, R-Retired, P-Professional, FF-Friendship First, TLC-Tender Loving Care.
TO RESPOND TO AN AD
Write a letter to the person you want to contact. Place that letter in a stamped envelope and write the ad number on the bottom left hand side of the envelope. Place your stamped, numbered envelope(s), along with $2 for each letter enclosed, into another envelope and address it to: News Connection USA, Inc. Seniors Getting Together 1602 S. Parsons Ave.,Seffner, FL. 33584 TO PLACE AN AD
Send your ad, stating what category you would like it placed in, your edition(s), along with a $6 fee for 30 words (25¢ for each additional word, abbreviations not charged) to the News Connection USA, Inc. address listed above. Ads received by the 15th of the month will appear in the following issue. No more than three ads will be accepted each month per person. The editor reserves the right to edit any ads for space or content. In order to protect our readers’ privacy, we will not include phone numbers, e-mail or home addresses in the ad copy. City or area included at no charge.
Join Coastal Cleanup
O
n October 20, you can join a number of groups in the area and help clean up our waterways, especially the Hillsborough River. Pre-Register by choosing your location online and submitting your pre-registration form. Locations are listed on the website at KeepTampaBayBeautiful.org.
Time for Pecans T
hrough Oct. 31, the women of Brandon First United Methodist Church will be taking orders for fresh pecans. All profits from the sales go to local charities. One pound bags are $10; five-pound boxes are $45. email orders to bjbrooks@tampabay.rr.com.
Be a part of actual cleanup or data collection from the event. After cleanup, join the Rollin’ on the River Rally at Lowry Park for games, contests, live music, free food and environmental education booths. Visit KeepTampaBayBeautiful.org or email dpacker@ KeepTBB.org, or call (813) 221-8733 for more information.
Cell Phone Tips
Metro PCS offers this phone tip: • Don’t get stuck—Keep an extra cell phone charger in your kitchen or bedroom to avoid a dead battery. Phones that use ample data during web browsing and texting drain batteries faster than normal.
Last Month’s Answers
Enter
Walgreens now offers the Zostavax vaccine for shingles at all of its locations!
Last Month’s to Win! Winner Is Jeryl Scolamiero Congratulations!
If you’ve ever had Chicken Pox, ask your Walgreens Pharmacist about the Zostavax vaccine recommended for those 50 years and older to help prevent shingles.
This month’s winner is
Enter To Win!
Our Pharmacies Offer Services and Programs that Save You Time and Money! Inquire About:
Myron L. Guisewite Congratulations !!!
• •
Last Month’s Answers
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Our “Go 90” Program - 3 prescription refills in one and for 3 months you’re done! Our Prescriptions Savings Club - Members get special discounts off the cash price of thousands of brand-name and generic medications as well as numerous other benefits when they use their card throughout the store. Our Exclusive savings for AARP members Our Prescription “Auto Fill” Program - Automatically refill your prescriptions from your online pharmacy account and pick up your prescriptions at your local pharmacy or have them shipped for free! Our Durable Goods Product Lines - Such As Lift Chairs, Wheelchairs, Walkers and more…
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Send your answers for a drawing. First correct answers selected from the drawing on Oct. 19 will receive $20 cash! Send to: News Connection USA, Inc., P.O. Box 638, Seffner, FL 33583
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• Great Stories & Information • Travel, Finance, Health & More! Lifestyles After 50 • October 2012 • page 39
Lifestyles After 50 • October 2012 • page 40
Long-Distance Bonding Ideas for Grandparents
1. Mail Call!—
Texts. IMs. Facebook. Twitter. Email. Our computers offer us a multitude of ways to communicate with our grandchildren. However, unlike email or texts, “snail mail” gives kids a tangible reminder of you that they can hold in their hand, enjoy over and over again and even take to school for show-and-tell.
2. Be a Puzzler—Are you an artist, or just a doodler? Instead of sending your grandchild a picture, why not make it more fun by turning it into a jigsaw puzzle? You can buy blank puzzles for under $1, in a variety of shapes and sizes, that you can decorate with a picture. If you aren’t so artistic, write a message written in marker. Many puzzles even come with an appropriately-sized envelope.
3. Create a Fantasy Sports League—Ignite
a friendly rivalry between you and your grandchildren by inviting them into your fantasy sports league. A little trash talking never hurt anyone—poking fun at each other’s general management style will reveal a carefree and clever side of you that may be new to your grandchildren. Beware: Age and experience are not always advantages.
4. Play 20-Questions via E-mail—This can
be an ongoing game, with you setting the level of difficulty higher and higher. The neat thing about doing this by email is that it’s a process that can take a few days or a few weeks. The continuous back-and-forth helps keep the lines of communication open.
5. Create a Postcard Clue Game—Postcards
happen to be the perfect size for a knock-knock joke or a game of “Unscramble the Word.” Use the first card to ask a question, like “Where will we go on your birthday?” Then send the answer, one letter or clue to a card, such as: I, S, F, I, G, H, N. Your grandchild can unscramble them to discover the answer: FISHING. You can send your grandchild an album to hold onto all those postcards, too.
Enter Now! GRAND PRIZE WINNER Will receive a
2 NIGHT STAY AT THE THE GAYLORD PALMS RESORT, ORLANDO FOR 4
Could Your Grandchild’s Photo be a Winner?
clubs aren’t limited to living rooms, thanks to Skype, software that offers free calling services. Using webcams, as many as ten people can participate in a book club through Skype’s conference-call option, depending on your computer. You’ll have valuable face-time while the group discusses the impact that J.K. Rowling, author of the Harry Potter series, had on the explosion of children’s fantasy novels. Allow your grandchildren to direct the readings, which will give them pride in sharing their knowledge with you. From Grandparents.com, a resource and social media website for today’s grandparents. The website offers activities, discussion groups, expert advice, ten monthly newsletters and a Benefits Club with discounts on thousands of goods and services.
Please enclose this form with your entry. (make sure to sign the bottom) Mail to: News Connection USA, Inc. P.O. Box 638, Seffner, FL 33583-0638
A F T E R 50
Presents...
6. Start a Book Club—Book
Christmas Celebration.
Selected photos will be published in upcoming issues of Lifestyles After 50 magazine. Photos will be on display at the Lifestyles After 5o Extravaganza November 14, 2012 at the Largo Cultural Center, 105 Central Park Dr., Largo FL 33771 Call 1-888-670-0040 for more information. X1st Place Winner $75 X 2nd Place Winner $50 X 3rd Place $25
RULES:
Photos should be: Maximum size 8 1/2” x 11”, printed on photo paper only. Maximum 5 entries per person. NO professional photos. Please no photos by e-mail.
Grandparent Name Address City
State
Zip
Phone Photo Title Sender’s Age(s)
Subject’s Age(s)
Subject’s Name Photo release signature Entries must be received by Nov. 7, 2012 to be entered in the Photo Contest. (Send your photos in early so we can share them with our readers). Photos will be returned within 45 days after contest ends, if you include a self-addressed stamped envelope (large enough to fit your photo) and name and address on the back of the photo.
LC
Lifestyles After 50 • October 2012 • page 41
Technology Simplified
WOW… A Computer Designed For YOU, Not Your Grandchildren!
…It’s easy to read. It’s easy to see. It’s even easier to understand and use! Just plug it in!!!
This computer is easy-to-use, worry-free and literally puts the world at your fingertips.
I just wanted to tell firstSTREET that I am having a great time on my WOW Computer. I am learning something new everyday. I am 79 years old and cannot believe that I am typing and sending e-mails to all my friends now. My daughter and granddaughter are so excited now that I have a computer. They use computers on their jobs everyday, but they cannot believe what you can do on this computer. It is wonderful...Thanks. – Johnnie E., Ellijay, Ga Lifestyles After 50 • October 2012 • page 42
NEW
Touch Screen Technology
Simple av n igation, so you never get lost!
designed for SENIORS Big Bright Screen One-touch “zoom” magnification No bulky tower ®
…”surf” the internet …play games online Get current weather & news. hundreds to choose from! …send and receive emails, and video chat Keep up with family and friends. From the moment you open the box, you’ll realize how different the WOW Computer is. The components are all connected; all you do is plug it into an outlet and your highspeed Internet connection. Then you’ll see the screen. This is a completely new touch screen system, without the cluttered look of the normal computer screen. The “buttons” on the screen are easy to see and easy to understand. All you do is touch one of them, from the Web, Email, Calendar to Games– you name it… and a new screen opens up. It’s
so easy to use you won’t have to ask your children or grandchildren for help. Until now the very people who could benefit most from E-mail, and the Internet are the ones that have had the hardest time accessing it. Now, thanks to the WOW Computer, countless older Americans are discovering the wonderful world of the Internet every day. Isn’t it time you took part? Call now, and a patient, knowledgeable product expert will tell you how you can try it in your home for 30 days.
If you are not totally satisfied, simply return it within 30 days for a refund of the product purchase price. Call today.
Call now and find out how to get your own WOW Computer! Please mention promotional code
45572.
1-888-810-8531
80341 Copyright © 2012 by firstSTREET for Boomers and Beyond, Inc. All rights reserved.
Have you ever said to yourself “I’d love to get a computer, if only I could figure out how to use it.” Well, you’re not alone. Computers were supposed to make our lives simpler, but they’ve gotten so complicated that they are not worth the trouble. With all of the “pointing and clicking” and “dragging and dropping” you’re lucky if you can figure out where you are. Plus, you are constantly worrying about viruses, spam and freeze-ups. If this sounds familiar, we have great news for you. There is finally a computer that’s designed for simplicity and ease of use. It’s the WOW Computer, and it was designed with you in mind.
Is Your Loved One Safe in the Hospital? A
nyone facing a hospital stay has probably heard the advice: Take someone with you. After all, patients need a loved one to lend support, ask questions and serve as a care partner and advocate, right? But without medical training or experience, how do those care partners know what to ask, how to ask or what precautions to take? Too often, they aren’t prepared. Karen Curtiss’s tragic family stories combined with her diligent research makes Safe & Sound in the Hospital a book to educate patients and their families about hospitalization. The book provides a series of practical tips, creative tools and quick checklists that care partners can use to help prevent common hospital hazards and promote a safe recovery.
She offers tips and guidance such as:
• Keep your loved one safe from infection. • Make sure everyone—especially doctors and nurses— washes his or her hands before touching your loved one. Make colorful tent card signs for your loved one’s room with messages like “Thank you for washing your hands!” or “For my safety, please wash your hands.” • Clean TV remotes, door knobs, telephones, bed rails, call buttons, faucets, toilet flush levers and personal items with alcohol wipes and bleach wipes to help zap Superbugs and C. diff spores. Repeat cleaning after every touch or brush with clothing (doctors’ jackets and scrubs and nurses’ uniforms are like Trojan Horses, carrying bugs all over the hospital).
• Speak up and ask questions. Get to know everyone who takes care of your loved one. Ask questions in a friendly, respectful way. Don’t be afraid to admit if you don’t understand their answers and need a ‘plain English’ translation. • Find out how to call for a Rapid Response Team if you feel like your loved one is going downhill and no one seems to be taking action. Trust your gut; you know your loved one best. • When possible, schedule surgeries mid-week and avoid holiday times. If complications arise, you’ll want to be able to reach your doctor and the “A” team. • Ask the nurse to pause and doublecheck each medication just before it’s given. Verify the prescription, the dose and intended patient. NEVER inter-
rupt a nurse in the middle of administering a drug unless you sense a mistake.
• Virtually every patient is at risk to take a fall. Look for items in the room that might cause a trip, and bring non-skid socks or slippers for your loved one to wear. Ask the nurses about a cane for your loved one to use. Make sure someone is available to help your loved one to the bathroom and back. It’s so important for families to be engaged and vigilant and to have their eyes wide open when someone they love is in the hospital. Safe & Sound in the Hospital provides the information and tools they need to safeguard their loved one’s care. It’s a better gift than flowers. For more information, visit safeandsoundbooks.com.
Crazy Legs Walk Brings Friends and Fun Together!
L
Photos By Tina Brunner
ast month, Lifestyles After 50 celebrated the 16th annual Crazy Legs Walk and Fun Fest at the Brandon Community Center. Over 750 people came out for the event, making it a fun success that included exhibitors, bingo, music and free health screenings. Folks that participated in the 1-mile Crazy Legs Walk received t-shirts and a continental breakfast.
The walk also included a scavenger hunt along the route. “I always have a good time at these events,” said Doris Prokopi of Tampa. The Lifestyles After 50 Fun Fest helps promote and raise funds for the Tampa Bay Senior Games each year. This year’s games will be held Oct. 1 through Oct 12, 2012, and will celebrate 32 years.
The Games qualify people 50 and older to enter into the State Games and then go on to the National Senior Games in Cleveland, Ohio, July 2013. To learn more about the Tampa Bay Senior Games, go to www. hillsboroughcounty.org/parks. For the State and national games, go to www.nsga.com. Lifestyles After 50 magazine presents events throughout the year. Each event provides fun, education,
Congratulations to our Walk Winners! Ladies: 1st – Ruth Peterson; 2nd – Mary Davis; 3rd – Doris Prokopi. Men: 1st –Willie Davies; 2nd – Tony Curtis; 3rd – Tony Ruvalo.
entertainment and information for people 50 and older. To learn more, go to lifestylesafter50fl.com. Join us for our next event on Oct 5 in New Port Richey. See you there! Lifestyles After 50 • October 2012 • page 43
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A randomized, double-blind, placebo-controlled study on what may be the world’s first truly effective memory pill was conducted at this university research facility. Elizabeth K. of Rochester, New York experienced a night-and-day difference in her mind and memory. At the age of 54, her memory was declining at an “alarming rate.” “I was about to consult a neurologist when I read about ProceraAVH.” Elizabeth decided to give it a try. “It took about a month for the Wake Up Call memory benefit to kick in. Six for Tired Brains months later, even my husband was For years, Dr. Heller looked for impressed with my improved meman effective solution to patients’ ory. And I am very happy with my complaints about mind and renewed mental clarity and focus!” memory. “I searched for a remedy or A ‘Bonus’ Effect? treatment that could help my Elizabeth was pleasantly surpatients, even friends and family, prised with one of the formula’s regain the memory and mental ‘bonus effects.’ sharpness we all seem to lose with “Within a week I felt a wonderage. I am quite happy to now ful change in my mood. It was recommend ProceraAVH as it gives such an unexpected bonus,” smiles the brain much needed support Elizabeth. against free radicals, inflammation Pharmacist Gene Steiner, and improve the decline in neuro- Pharm.D, was relocating to another transmitters, and blood flow and state and was apprehensive about oxygen.” taking the state board of pharmacy “It’s like reading an eye chart jurisprudence examination, a daunting with the right pair of glasses instead examination that tests a candidate’s of an old pair of lenses. Everything mastery of pharmacy law. Dr. Steiner took Procera AVH comes into focus, your brain is more crisp, more focused, clearer, and daily for two weeks prior to the test, and passed with flying colors. “The sharper.”
Lifestyles After 50 • October 2012 • page 44
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S
unrooms make a great addition to your Florida home. When you think of adding a sunroom, consider these types and decide how you will use your addition: Knee-Wall Rooms Knee-wall sunrooms feature walls of glass with a short wall, about knee-height, that runs from the ground to the windowsill. With knee-wall sunrooms, you get a great view and a modest amount of privacy. Knee-walls are especially nice because you can run electrical wires through the wall, which you can’t do with glass or screening.
Solariums and Conservatories Solariums and conservatories make beautiful sunrooms, because they normally contain insulated glass that
can be heated or air conditioned, allowing you to use the room all year long. Sometimes known as green rooms, solariums and conservatories can be built with a kneewall or full-length glass. Seasonal Sunrooms Seasonal sunrooms are exactly what the name suggests—seasonal. These sunrooms are usually built with single pane glass windows. Unlike solariums and conservatories, seasonal sunrooms are not heated or air conditioned so they are used here in spring, summer and fall. Screened Patios Screened patios are a great way to enjoy the outdoors, weather permitting, and are often the most economical sunroom available. Information from homeguide123.com.
Symphonies, Simon & Garfunkel
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he Florida Orchestra kicks off the season in October with lots to choose from, including music by Beethoven, Schumann, Bernstein, Rachmaninoff, Sibelius and even Simon and Garfunkel. Most concerts are available at $15, $30 or $45, and the orchestra even has two free Pops in the Park concerts this month as well. The Tampa Bay Times Masterworks series opens the season with pianist Sara Davis Buechner exploring Bernstein’s Symphony No. 2, The Age of Anxiety. The concert also includes Beethoven’s Coriolan Overture and Schumann’s stately yet joyous Symphony No. 3, Rhenish. Stuart Malina conducts. Oct. 12, 13 and 14 in Tampa, St. Petersburg and Clearwater. For the opening concert of the orchestra’s new rock series, it’s a celebration of folk-rock duo Simon and Garfunkel. Vocalists A.J. Swearingen and Jonathan Beedle capture the magic of this famed duo with Feeling Groovy,
Bridge Over Troubled Water, and other favorites. Michael Krajewski conducts. Oct. 19, Mahaffey Theater. Two free Pops in the Park Concerts will offer a lively mix of familiar classics and popular favorites under the stars on Oct. 20 (Vinoy Park) and 21 (River Tower Park). Bring a picnic dinner. Canned food donations encouraged for Tampa Bay Harvest’s food drive. Both concerts start at 7 p.m. The Tampa Bay Times Masterworks series continues with Concertmaster Jeffrey Multer performing Sibelius’ beautiful Violin Concerto, paired with Rachmaninoff’s Symphony No. 2. Marcelo Lehninger conducts. Oct. 26, 27 and 28 in Tampa, St. Petersburg and Clearwater. The orchestra performs at the Straz Center in Tampa, Progress Energy Center for the Arts - Mahaffey Theater in St. Pete, and Ruth Eckerd Hall in Clearwater. For a free season brochure or to order a series package: www. floridaorchestra.org or 1-800-662-7286.
Television Acoustics Breakthrough
➻
The private TV listening system you’ll want to use… even if there’s no one else in the room! This new Personal TV Listening System (PTLS) can help millions get more out of their favorite past time.
I
f there is one thing people like to argue about… it’s television. Even if they can agree what to watch, most people disagree about the volume. That’s because most people require different volume levels, in order to understand and enjoy their favorite shows and movies. What’s more, if one of them is doing something else, like reading or sleeping– the last thing they want to hear is a blaring television. When forced to compromise and listen to TV at the same volume– everyone loses. Now, thanks to innovative digital audio technology, anyone can listen to the TV at the volume they desire without disturbing others. Best of all… the audio is so spectacular you’ll want to use it all the time. Here are a few reasons why the PTLS is the best thing to happen to television since the remote. High Definition Audio. TV video technology has improved dramatically in the past few years, but the audio quality has remained relatively unchanged. Unlike other comparable systems, PTLS provides performance quality stereo sound (up to 120dB)– putting you in the acoustic sweet spot of the room– no matter where you are sitting. Fully Customizable. The Adjustable Digital Tone control enhances dialogue clarity and intelligibility to suit your hearing. You’ll hear everything from stage whispers to lifelike sound effects. Lightweight and comfortable. This system is designed to rest on your shoulders with small, powerful earbuds
that bring the sound directly to your ears. The hi-fidelity passive noise isolation speakers stay gently in your ears without creating pressure or discomfort. Easy to set-up and use. This plug and play system comes with everything you need and the powerful transmitter covers a room up to 35 by 35 feet. It features rechargeable batteries that give you up to 24 hours of listening from a full charge. Exclusive home trial. Why spend time arguing with your loved ones when you could be enjoying your favorite TV shows and movies together again. The PTLS comes with firstSTREET’s exclusive home trial, so if you are not completely satisfied with it for any reason you can simply return it within 30 days for a full refund of the product purchase price. Call today
Personal Television Listening System Call now for the lowest price ever and get free extra earbuds for PTLS Please mention Promotional code 45574.
1-888-737-2549 80312
A Sunroom Can Perfect Your Florida Lifestyle
All rights reserved. © 2011 firstSTREET®, Inc. For Boomers and Beyond®
Lifestyles After 50 • October 2012 • page 45
FREE INFORMATION SERVICE Lifestyles After 50
for information please return completed form to:
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E-mail: o Single o Married o Are you a Group Leader? Please contact me by: o Mail o Phone o E-mail SEND INFORMATION ON AREA(S) CHECKED BELOW TRAVEL: AUTOMOBILES: o Cruises o Land Tours o Automobile Sales o Hotels/ Resorts o Maintenance and Repairs o Local Attractions o Recreational Vehicles FINANCIAL/ LAW: RESIDENTIAL LIVING: o Retirement planning o Mfd/FactoryBuilt Homes o Trusts o RV Resort o Estate planning o Senior Apartments o Guardianships o Villa/Condo/Single Family o Elder Law o Golf Community o Funeral Planning PERSONAL HEALTH: INSURANCE: o Physicians o Medicare o Dentists o Health o Life o Eye Care o Long-term care o Skin Care CAREGIVER RESOURCES o Weight Loss o Family Counseling o Supplements o Caregiver Support o Home Health o Dementia Care o Prescription Drugs o Hearing HOUSING OPTIONS o Spas/Gym o Independent o Assisted Living LEISURE TIME: o Continuing Care/LifeCare o Golf o Gambling HOME IMPROVEMENTS: o Boating o Sunrooms o Theater o Pools/spas o Dining In/Out o Home Modifications HILLS
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Win a $25 Gift Certificate to Home Depot! When you complete this form and mail it back, your name will be entered to win a $25 gift certficate to Home Depot. (Drawing held the 20th of each month.)
P Last Month’s Winner Was: P
P Susan Smith — Congratulations! P Lifestyles After 50 • October 2012 • page 46
Here Come the Gymnasts
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he 2012 Kellogg’s ® Tour of Gymnastics Champions, a national tour featuring Team USA’s Olympic star gymnasts, is coming to Tampa Bay Times Forum on Oct. 28. See 2008 Olympic all-around champion Nastia Liukin lead an impressive cast that will include members of the men’s and women’s 2011 World
Championships and 2012 Olympic teams, along with past Olympians and U.S. medalists in men’s, women’s, rhythmic and acrobatic gymnastics and trampoline and tumbling. Tickets for the show begin at $25. For group ticket sales and information, please call (813) 301-6900. Advanced parking passes are available online at Ticketmaster.com.
In Sun City Center
O
rder your holiday fir evergreen wreath from any Sun Center Lions member. Wreaths are $21 at the time of order. Delivered the week after Thanksgiving. Call Gene Deiss at (813) 634-1978.
The SCC Lions meet the second and fourth Weds. of the month at Sandpiper Grill, 1702 South Pebble Beach Blvd., Sun City Center. 11 a.m. (813) 633-4202.
10
“Tools That Heal and Change Your Life” speaker at Hillsborough Metaphysical Society, Heritage Room, Atrium Bldg., Sun City Center. 10 a.m. Free. Info: (813) 383-7594.
Humanity Beyond Barbed Wire Exhibit
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n view through Oct. 27, view the Florida Holocaust Museum exhibition based on a book by Robert Billinger, Hitler’s Soldiers in the Sunshine State. It illustrates the principles of a democratic nation and the humane treatment of enemy combatants during WWII. Former German POWs look back on their treatment in the U.S. during the Holocaust. Admission to the Florida Holocaust Museum: $16/ adults; $14/ seniors. Call (727) 820-0100 or visit the flholocaustmuseum.org, for information.
October Events at Jewish Center Towers
Fridays Mah Jongg Games. 1 to
4 p.m. No charge. 10 Mel Brooks movie day. 3 p.m. 12 Mah Jongg Lessons. Preregister 17 Jet Setters South. 3 to 5 p.m. Professor Pat Renfroe speaks on “Women Who Made a Difference.” Location: 3001 W De Leon St., Tampa. Info at (813) 769-2809 or Rachel.Tilow@JewishTampa.com.
Support Groups
J F 16 31
ohn Knox Village, 4100 E. Fletcher, Tampa. Information at (813) 632-2443. irst Tuesdays, Parkinson’s Support Group, 1 p.m. Grief Support, 2 p.m.
Caregiver Support, 6 p.m.
Want to Buy A Home But No One Will Lend You the Money?
American Legion Hall
BINGO Post 26
Plant City, FL Baker & Woodrow Wilson
Every Sat. night 6:30 p.m. – 10 p.m. Public Welcome
(813) 752-8608
Unique Vacation Hotel for Cats Only! ✦ Featured on Nationwide TV ✦ Reasonable rates ✦ Huge windows on tropical gardens ✦ Vet on call ✦ Soft music, lots of loving & petting
15501 Boyette Rd. Riverview
LOW-COST Wedding Photography Looking for professional images at a really low price? I can capture your portrait/event. Same high quality, more money in your wallet. Call 813-716-8648/ email libbysmith86@gmail.com.
We
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WE CAN HELP
No Credit? No Problem. Bad Credit? We Can Help Put You In A Home Owner Financed Homes in Pasco County $500 to $2000 Down • $0 Down For Handyperson Specials Zephyrhills +55: 2 Bed/1 Bath Doublewide mobile home with land, carport, screen porch storage shed, $500 Down $495.78 mo.
Zephyrhills: 2 Bed/1 Bath • Mobile Home carport, CHA , porch, shed, on ¼ acre. $500 Down $525.98 mo.
We Also Have Homes in Land O’Lakes • Wesley Chapel • Zephyrhills Areas
Don’t Miss Out! Call Today!
813-991-1778 • 24 Hour Recording
Check Us Out Online!
Lifestyles After 50 Is On and
!
Visit www.twitter.com/MaturLifeStyles or click the Facebook icon on lifestylesafter50fl.com for the latest news, contests and fun events in your area. Share your comments with us!
Great Senior Events!
Mark your calendar for these great FREE events near you, brought to you by Lifestyles After 50 magazine. Find great information, entertainment, health screenings, prizes, giveaways and more! Call 888-670-0040 or visit our website at www.lifestylesafter50fl.com for details.
October 5, 2012, (10am-3pm) Lifestyles After 50 Fun Fest, New Port Richey Recreation Center, New Port Richey, FL. Live Music, Dancing, Free Bingo Games. Free Coffee & Snacks, Free Health Screenings, Prizes, Fun Walk, Senior Sports Area. November 14, 2012, (10am-3pm) 8th Lifestyles After 50 Fun Fest, Largo Cultural Center, Largo. Live Music, Free Bingo, Free Health Screenings. “Grandkids Are the Greatest” Photo Contest! Early Morning Senior Fun Walk! December 5, 2012, (10am-3pm) 6th Fun Fest & Jamboree!, Plant City, FL, Strawberry Festival Grounds. Live Music, Dancing, Free Bingo, Health Screenings, Sports Area. Free Coffee & Muffins. Fun Games & Prizes. Free Parking & Admission. January 10, 2013, (10am-3pm) Lifestyles After 50 Fun Fest, Robarts Arena Sarasota, FL. Live Music, Free Bingo, Free Health Screenings. Sports Center, Free Admission. January 23, 2013, (10am-3pm) 8th Lifestyles After 50 Fun Fest, Florida State Fairgrounds, Tampa, FL. Live Music, Free Bingo, Free Health Screenings. Sports Center, Free Admission & $3 Parking. “Grandkids Are The Greatest Photo Contest.” Fun Walk.
• Pre-Planning Available • Cremation • Local Burial • Out-of-State Burial/Transfer • Anatomical Donation • Grief Counseling/Grief Support • Spacious Chapel and Family Rooms • Children’s Play Room • Conveniently Located in Sun City Center • Hearing Impaired Service Available • Golf Cart and Wheelchair Accessible • Sponsor of Toys for Tots Program • Member of Apollo Beach, Riverview, Ruskin and Sun City Center Chambers of Commerce • We Accept all Insurance Funded Pre-Arrangement
1851 Rickenbacker Drive Sun City Center, FL
(813) 634-9900 or 1 (877) 346-5600 Lifestyles After 50 • October 2012 • page 47
Humana 2013 Medicare Advantage plans are here!
“Well, it’s a good plan. I think it’s a comfort zone for me, cause they’re there when I’m feeling ill and they’re there when I’m feeling well.”
Mary B. – Humana Gold Plus® (HMO) member
Humana has a full range of Medicare Advantage plans. Find out more about which one could be right for you. To find ouT if a Humana plan is rigHT for you, call To scHedule an in-Home appoinTmenT or To find a neigHborHood meeTing.
1-800-372-2380 (TTY: 711)
8 a.m. to 8 p.m., seven days a week
DON’T FORGET! The Medicare Advantage annual enrollment dates are Oct. 15 – Dec. 7.*
Humana is a Medicare Advantage organization with a Medicare contract. A sales person will be present with information and applications. This is an advertisement. For accommodation of persons with special needs at sales meetings, call 1-800-372-2380 (TTY: 711), 8 a.m. to 8 p.m., seven days a week. *Some exceptions apply. Y0040_GHHH9V2HH CMS Accepted
TMP 10/12