Keeping Joe Cool... VOLUME 22, NUMBER 9
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“It’s a Blue Ridge Day!”
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H-GP Day!
• Help! My Son Moved Back Home • Men and Osteoporosis • VA Membership Has Benefits! • How to Be Happy in Retirement
HILLSBOROUGH
SEPTEMBER 2011
Grandparents’ Role Isn’t Always the Stuff of High-Tech Gadgets or TV Advertising all work out with a new boyfriend. Dear Readers, Three months later, the 12-year-old called Howard to say they hadn’t had re you a high-tech anything to eat for three days. When grandparent? Do you I met Howard, he had moved the text and e-mail and order children to central Florida to live with gifts online? Is Facebook him. He admitted that his struggles part of your daily routine? If you’re “connected” this Janice Doyle, were not like many grandparents Editor raising grandchildren because he had Grandparents Day, you enough money to care for them. Still, may receive an eCard, a text message at 81, he realized his limitations. “I’m or a “Hey” on your Facebook page giving it my all while I can,” he said. instead of a Hallmark card. Just as technology has changed, so Two Saturdays every month, Jane has grandparenting. TV ads would (71) dresses to her usual impeccable have us think all interaction with standards for an outing with two grandchildren is fun and games. If grandsons. What she does those two grandpa gets his health in order, acSaturdays is not how she had anticipatcording to the ad, he can play on a sun- ed her role as a grandmother, however. ny day with his small grandson. But She has custody of the two teenagers we all know of families where being a while her son—their father—is in grandparent is just plain difficult, often prison in north Florida. On visitation stretching into downright painful. days, they leave her elegant home Here are some of the grandparents early to be in line when the prison whose stories have touched my opens for visitors at 9 a.m. There is no heart in the past few years. All slouching in Jane’s posture and a smile names have been changed. lights her face as she chats with other
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Doris was sitting alone looking shell-shocked at a gathering after her 16-year-old grandson’s local funeral. He had died in a car accident, and she was enduring one of the three memorial services which would be held in three different states where he and his family had lived. I did not know her, but I went to sit beside her and hold her hand. She smiled weakly and said, “I didn’t know it was possible to hurt this much.”
Regina’s new grandparent status took a sudden turn when her grandson was diagnosed with autism before he was two. She said she felt a “double edged sword knowing what lies ahead for our family and grief for my daughter’s personal agony.” Howard knew his daughter in New York City was high on drugs most of the time. On a visit there, he realized how bad the situation was for the children, ages 10, 12 and 16. The daughter, however, told a good story about changing her life and making it
visitors and jokes with her grandsons as they wait. “It’s not what I thought I’d be doing, but I wouldn’t think of being anywhere else on those days. He’s my son and they’re his sons. It’s what families do,” she told me. (Of note: Estimates vary, but it is thought that at any one time 10 million children in the U.S. have a parent either in prison or on parole or probation. Just think of the number of grandparents affected.)
I first met the Carters when they were camped at an RV park in Riverview. They were living in a small, aging RV as cheaply as it was possible to live. A year before, their daughter and son-in-law’s drug use was draining the couple’s financial, emotional and physical resources. Two grandchildren were pawns in the “game” the daughter played with the Carters to get money to buy drugs. Also involved were judges who wouldn’t give them custody. After trying everything possible to be able to raise the children without interference
Senior Connection • September 2011 • page 2
from the addicted parents, Hazel and James made a heartrending decision to sell out and go “on the road” with the RV, away from their daughter. “We’ll go back when we can help the children pick up the pieces of their lives without the parents,” James said. Arthur, an Army retiree, has two grandsons serving in the Marines. Each grandson has been deployed to Iraq and/or Afghanistan three times. While attention is often given to spouses, children and parents of deployed soldiers, the part grandparents play is often overlooked. Arthur knows the loneliness and dangers of deployment. He agonizes as he watches the news, sends the men e-mails and prays for their safe return. And so our staff honors all grandparents this month. May we all continue doing whatever needs to be done for the good of our grandchildren (and great grandchildren) in the spirit noted by former New York City mayor Rudolph Giuliani: What children need most are the essentials that grandparents provide in abundance. They give unconditional love, kindness, patience, humor, comfort, lessons in life. And, most importantly, cookies. Keep on lovin’ . . . and maybe it’s time to bake some cookies!
Hillsborough, Pinellas/Pasco Published monthly by News Connection U.S.A., Inc.
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his month marks the ten year anniversary of the World Trade Center attacks on Sept. 11, 2001. It is a time to remember the victims and heroes of that tragic day. You can join us on Facebook and talk about your experiences. Where were you when you heard the news? How did 9/11 affect you? Go to www.facebook.com and search for Senior Connection and Mature Lifestyles. Then click on the “Discussion” tab at the top of the page to share your memories with us.
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Hey Seniors Join Us!
Presents the 15th annual...
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& Crazy Legs Fun Walk September 23, 2011 • 9 – 2 pm BRANDON COMMUNITY CENTER 502 E. Sadie Street, Brandon FL
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Senior Connection • September 2011 • page 3
SPEAKERS SERIES
Around Town
W H AT ’ S H A P P E N I N G S E P T E M B E R 2 0 1 1
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Hummingbird Basics program by Master Gardeners at Bloomingdale Library, 1906 Bloomingdale Ave., Valrico. Free. 6:30 p.m. For details, please call (813) 273-3652.
BUY TICKETS TO ALL FOUR and SAVE 50%!
The FIRST 150 packages purchased will receive half-priced tickets.
Packages start AS LOW AS $39! These packages are not available online.
Ocean Soul with Brian Skerry, UNDERWATER PHOTOGRAPHER Life: The Unfolding Story with Frans Lanting, PHOTOGRAPHER Beyond the Invisible: Secrets of the Blue Holes with Kenny Broad, CAVE DIVER, ENVIRONMENTAL ANTHROPOLOGIST
Connect With Anybody, Anywhere with Annie Griffiths, PHOTOGRAPHER Tickets and Information
813.229.STAR (7827) •STRAZCENTER.ORG Outside Tampa Bay: 800.955.1045
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Events, days, dates, times, performers and prices are subject to change without notice.
Anywhere Tours of Florida, Inc. For reservations or information call Tonya at 813-620-3332 or website • www.tampabus.com IF YOU HAVE TEN PEOPLE OR MORE WE CAN PICK UP AT YOUR LOCATION. WE PICK UP AT THE LIBRARY ON NORTH PEBBLE BEACH, SUN CITY CENTER. Sept. 6 & 19, Seminole Hardrock Casino - Tampa (must have min 30 people) pay 15.00 per person - get 20.00 free play & 5.00 meal voucher pick up 8:45 am return 3:30 pm or pick up 4:15 pm return 10:30 pm. Sept. 9, 12 & 28, Seminole Hardrock Casino - Immokalee (must have min of 30 people) pay 25.00 per person - get 30.00 free play & 5.00 meal voucher pick up 8:00 am - returns 5:30 pm. Sept. 14, Johns Pass Village in Maderia Beach Boards at 9am-returns at 3pm. 20.00 per person-30 person minimum. Shop, eat, enjoy the beach with your friends. Over 100 merchants in a turn-of-the-century fishing village. Enjoy the sights & many water activities of the beach. Just a short stroll away. Sept. 26, Webster Flea Market-Webster Florida Boards at 7 am-returns by 3 pm, price $20.00 per person-30 person mininum. Find your treasures, antique’s, gifts...produce, food and more. Thank You ...From All Of Us At Anywhere Tours of Florida. Call for details, all prices subject to change.
Senior Connection • September 2011 • page 4
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“A Useful Life,” independent film showing at the Tampa Museum of Art, 120 Gasparilla Plaza. $5/seniors. 7 p.m. Call (813) 274-8130.
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“Cat’s Cradle” an English drama at Carrollwood Playhouse, 4335 Gunn Hwy. Call (813) 265-4000. “Ghosts of the Grey Lady” presented by Tampa Ghost Watchers, aboard the American Victory Ship, 705 Channelside. 9 p.m. to midnight. $20/$15 for seniors 65+. Go to.ghostseminars.com or call (813) 228-8766, or board the ship.
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“Come Blow Your Horn,” Neil Simon play by Community Theatre at Carrollwood Cultural Center Stage, 4537 Lowell Road. For more information, see carrollwood center.org or call (813) 269-1310.
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Brandon Christian Women’s Connection Western Jamboree at Special Events Center, 2102 Bell Shoals Rd., Brandon. 11 a.m. to 1 p.m. $13. Reservations at (813) 740-0098.
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”Wine Travel: Passport to Argentina” wine tasting series at Carrollwood Cultural Center, 4537 Lowell Rd., Tampa. $25/person. 6:30 p.m. Call (813) 269-1310.
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Adult Story Time “Joplin’s Ghost” presented by Phyllis McEwen at Blythe Andrews Library, 2607 E. Dr. MLK Blvd. 6 to 7:30 p.m. Call (813) 273-3682 for details.
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Tampa Bay Camera Club meeting and contest (3rd and 4th Fridays), 7 p.m. Free meetings/ annual dues $35. ROSTICKgroup Photography Studio, 4410 W. Hillsborough Ave., Tampa. (813) 792-0495.
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Beach Blanket Bunco for the Arts at Center Place, Brandon.
$15 tickets. 6:30 p.m. Dinner by La Septima Café. Information at (813) 635-8888 or centerplacebrandon.org.
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Savvy Social Security Planning class at Oldsmar Library. 6:30 p.m. Learn 5 Factors to consider when deciding when to apply for benefits and much more. Free. Reservations: (813) 749-1181.
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Five Dollar Day—National Museum Day—at MOSI. (May not be combined with other offers. Excludes special engagements and SkyTrail® Ropes Course). For more information, visit mosi. org or call (813) 987-6000.
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hrough September Share the Love—Share the Light, Suncoast Center for Spiritual Living. Sundays. 10:30 a.m. For more information, please call (813) 384-8162.
Send Around Town news to Senior Connection Magazine, 1602 S. Parsons Ave., Seffner, FL 33584; fax (813) 651-1989. News must be received by the 10th of the month prior to event (i.e. September 10 for October event.)
Back to SchoolTime:
OLLI (Osher Lifelong Learning Institute at USF) Open House: Tues., Sept. 13 at Carrollwood Cultural Center, 4537 Lowell Rd., Tampa. Free and ample parking available. Coffee/chat at 9:30 a.m. Program at 10 a.m. Steve Otto, columnist for The Tampa Tribune, featured speaker. Call (813) 974-8036 or visit usfseniors.org. Community Church College The Community Church College of Sun City Center begins its Fall semester on Oct. 10. Tuition: $25 per course. The fall semester will offer 42 courses and four one-day outings. Registration at the college is Tues., Sept. 13. Class listings and registration online at 4lifelearning. org. Information: (813) 634-8607.
Three Ways to be Happy in Retirement Pleasure This involves having fun in an easy, relaxed way. Pleasure brings a burst of positive emotions which come and go quickly and seldom last long. Using this approach to happiness, you need to keep going back and doing enjoyable activities over and over again to get more happiness.
braham Lincoln said: “ Most folks are about as happy as they make up their minds to be.” That’s positive thinking—an optimistic attitude. Positive psychology is different. Positive psychology, championed by psychologist Martin Seligman and others, is a research-based study of our psychological well-being. Seligman suggests there are three approaches to happiness itself. In other words, there are many ways to be happy, but each comes under one of three basic approaches. John Nelson and Richard N. Bolles discuss the three approaches as very important in living the retirement life in their book What Color Is Your Parachute? For Retirement.
Engagement or involvement Another word for this approach is “flow,” which happens when your abilities are well matched to some challenging task. It’s the kind of task you get so deeply involved in that you lose track of time. You’re so engaged in it that you lose yourself in what you’re doing, often not realizing that you’re genuinely happy while you’re doing it, but afterwards you say, “That was great!”
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Summary In the first level you are dealing with your interests. When you move to engagement, you’re looking at your skills and strengths and using them to experience engagement in an interest. But the next level—meaning or purpose—is most closely related to your values. “What Color Is Your Parachute? For Retirement: Planning a Prosperous, Healthy and Happy Future” by John E. Nelson and Richard N. Bolles.
Meaning or purpose This approach to happiness is not as easy to pin down. The way you get meaning or purpose is to use your abilities in the service of something larger than yourself. This approach to happiness requires something of you and doesn’t come just from believing in a cause larger than yourself, but from being in service to that cause.
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This is part of living your life in alignment with your core values. Examples of what is larger than yourself depend on your belief system. It could be God, family, environment, a political party, a particular culture. You might find purpose in service to a neighbor who needs help, a child with difficulties or even a cause such as litter-free neighborhood walkways. And this approach to life is more than contributing money to a cause.
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Engagement demands something from you, so it’s not as simple as pleasure. It can’t be bought or consumed the way pleasure can, either. The authors point out that another difference between pleasure and engagement is that engagement sticks with you longer than pleasure does and can build up into a lasting satisfaction with life. Contrary to the “go with the flow” approach to life, however, engagement is more like “make the flow.” It’s the difference between enjoying a baseball game and becoming a part of a team.
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Senior Connection • September 2011 • page 5
Keeping Joe Cool: An Interview with Joe Montana F
overweight, are sedentary, smoke our-time Super Bowl champion Joe Montana is also known by the cigarettes, it’s dangerous. One of the nickname Joe Cool for his steely grace reasons Joe Montana is such a wonderful spokesperson for this campaign under pressure. Even as a highly conis he represents the ditioned professional absolutely classic case. athlete, Joe became He never smoked, was one of the 65 million always fit and was never people in the nation overweight. There was living with high blood a little heredity, but he’s pressure (HBP). like the 90 percent of Gary Barg, Editor people in that he just got of Caregiver.com, sat it. One out of every three down with Joe and Dr. adults has it (65 million). James Rippe, M.D., an There is a 10 percent associate professor of increase in problems cardiovascular mediper decade. By the time cine at Tufts University you are 40, there is a 40 School of Medicine in percent chance, by the Boston, Massachusetts, time you are 50, there is and a leading authora 50 percent chance of ity on preventative cardiology, to discuss Football legend Joe Montana getting hypertension. high blood pressure Gary Barg: Joe, since you didn’t prevention techniques of importance have any symptoms, how did to caregivers and loved ones alike. you find out that you had high blood pressure? Gary Barg: Tell me about the BP Success Zone Campaign. Joe Montana: I went for a Dr. James Rippe: It’s a public educa- physical. I was doing my husbandly duty and was tion campaign. Joe and I have been just trying to get in and to 30 cities trying to raise awareness out of the doctor’s about the dangers of high blood office so I could pressure and get more people’s high blood pressure into the Blood Pressure check that box for the year. I was perfectly Success Zone. The great thing about fine. I went in there with the having Joe as a partner is that people expectation I’d go through say, “He is a relatively young athlete the motions and get out of with high blood pressure…maybe I could have it too.” We are trying to get there. When she told me my blood pressure was people in a dialog with their doctor. That’s what this campaign is all about. high, she sent me directly to a cardiologist. For 90 percent of the people who have high blood pressure, we don’t Gary Barg: What was know the cause. We know there your blood pressure? are associations between being Joe Montana: It was overweight and smoking cigarettes over 140 over 90. and being inactive. There is a That was way up from hereditary component too, but 90 the year before. percent are of unknown origin. Gary Barg: So, depending on your situation, it could be genetics, it could be dieting, it could be exercise—we just don’t know.
Gary Barg: What did they say caused it?
Dr. James Rippe: We just know if you have hypertension and you are
Senior Connection • September 2011 • page 6
Joe Montana: It was probably due to my cutting back on exercise from when I was on the team. And I was eating foods like steak and fried chicken. I knew my grandfather passed away when he was 54 from heart disease. So it could have been a combination of a lot of things.
Tips for Maintaining Blood Pressure
Dr. Rippe’s guide for maintaining healthy blood pressure: • Pay attention to having fruits and vegetables and whole grains, and less processed foods because there is salt in them. Gary Barg: Are you on medication now? • Engage in regular physical activity. • Know your reading (90% of us Joe Montana: Yes. I am on will get high blood pressure). a combination of medications. • Know that very good medicines The key to the program is to are available. consult with your doctor, to get • Keep your weight down. proper exercise with your diet and • Try not to smoke. also make sure you are on the right
medication. Just because it’s right with me, doesn’t mean it’s right with everyone else.
Gary Barg: Do you still have to watch what you eat even though you are on medications?
Joe Montana: Yes, one of the things that I have found is that I was eating a typical American diet where you eat a lot of food—and food that is not good for you. I started by cutting back on portion size. In the past, I would rarely order fish in restaurants; now I find a lot of fish that I like. But it all started by cutting back on things like steak and fried chicken. You find that your taste buds change eventually. I still have fried chicken on occasion, but I won’t eat that super size of chips. Now, I can just have a few, and I’m O.K. Gary Barg: What exactly is the Blood Pressure Success Zone?
Joe Montana: The success zone is when your blood pressure is between 139 over 89 or below 120 over 80. So anything below that 139 over 89 is the goal you want to reach.
More Helpful Info: Joe Montana and Dr. James Rippe have collaborated on a book titled “Joe Montana’s Family Playbook for Managing High Blood Pressure,” which provides tips and anecdotes about living a heart-healthy lifestyle, a medication tracker, suggested heart-healthy meals and exercises you can easily fit into your daily routine. Montana says, “After I was diagnosed with high blood pressure, my family and I really could have used a book like this. It is a great motivational and educational tool.” This book is available at amazon.com. Gary Barg’s note to caregivers: Pay attention to yourself and once you realize you are at risk for having high blood pressure, you have to moderate everything. Joe Montana concludes: Get the family involved. Remove the salt shaker from your side of the table. His wife reminds him to take his medicine. “Getting it under control is hard enough. Staying there is another issue.”
Interview from Caregiver.com, editor Gary Barg. For more information, visit online at BPSuccessZone.com.
Wanna Hear from Your Grandkids? Text Them!
“Picking up the phone and having a conversation is like Kryptonite. They t’s quick. It’s easy. don’t want to touch it.” They answer,” said How do the kids think? Ralph Johnson, talking Today’s kids think texting about using text messagis practical. They’d say, es to stay in touch with “Hey, Nana, this is the way his 14-year-old grandI like to talk.” No, it’s not daughter and 11-year-old like being on the phone, but it creates grandson. Ruth and Nathan’s famthe option of learning to text and ily spent the past year in a village in saying, “Wow my grandchild texted Honduras and texting is one way they me on his way home from school.” kept in touch with their grandparents. Olanoff (who texts his own grandTV star Doris Roberts once said mother and then receives a phone call that if she called her grandson and back from her) looks at it this way: left a message, she never heard back “Communication is at the core. They from him. But if she sent him a text want to communicate. We’re seeing message, she got an instant answer. a renaissance of communication and That’s very typical, according to the tool being used is texting.” “textpert” Drew Olanoff, marketHe likens texting to a game. It’s ing manager for textPlus. quick. You don’t have to stop and Texting is both a noun and a verb, pick up the phone. “You text ‘Hi.’ which means you both have it and They text ‘hi’ back to you.” do it. And if you’re a grandparent Olanoff notes that a text conversaand wonder what’s happening to tion is always ‘green,’ meaning it’s this younger generation, you might ongoing. “I never say goodbye in just want to spend time with your texting,” he says. It’s always there, grandchild learning to text. an open line of communication Think about it. Even if Susie has her and you can jump right in.” hands all over her fancy phone, it’s Kids like the lack of formaltoo embarrassing in today’s world ity, too. “Do you want to go to to use the phone to call Grandpa. the movies tonight?” doesn’t have You can, however, focus on the fact to be introduced by “Hi, how are that Susie has a communication tool you? Are you busy?” It’s not really and know that she’d love to text something we’ve ever seen before. you. Olanoff asks, “Does it feel any Although Olanoff is excited about less awesome if your grandchild those 10 billion messages sent, he says ‘I love you’ in text?” In May, textPlus (a free and unlimited realizes that everybody “loves to texting app) crossed the 10 billion mes- get a phone call, hear the voice.” But there is a place if you want to sages-sent mark. When that company communicate with your grandchild surveyed a segment of its users, they that you won’t mind if it’s a text found that 81 percent of respondents’ message. “Texting is hot now and kids grandparents are indeed “mobile” are reaching out with it,” he says. (i.e., they own a cell phone). They He urges grandparents to understand further found that among users ages that it’s communication, just in a differ13 – 17, 24 percent prefer to text with ent way: Focus on the interaction and their grandparents and 40 percent of grandchildren would like to use text to communication rather than the delivery communicate with their grandparents. system, and you’ll stay connected. And besides, 54 percent of What’s going on here? According respondents in that survey consider to Olanoff, kids are texting each grandparents who text to be cool. other and they want to text everyone. BY EVELYN MACKEY
“I
Tai Chi for Health and Well Being Taoist Tai Chi Society®®
Awareness Day Open House Celebrations Saturday, Sept. 17, 2011 Brandon Center Center Brandon 911 Bryan Rd, Brandon, 33511 911 Bryan Rd, Brandon, 33511 11:00 am am to to 1:00 1:00 pm pm 11:00 First United United Church Church of of Christ Christ First 7308 E E Fowler, Fowler, Tampa Tampa 33618 33618 7308 2:00 pm pm to to 3:30 3:30 pm pm 2:00
Come join join us, us, watch watch us us practice practice our our Come Tai Chi set and learn a move or two. Tai Chi set and learn a move or two. Beginner classes classes start start the the week week of of Sept. Sept. 19, 19, 2011. 2011. Beginner We offer offer morning, morning, evening, evening, and and weekend weekend classes, classes, as as well well We as ongoing Health Recovery classes. First class free! as ongoing Health Recovery classes. First class free! Classes held held in in Brandon, Brandon, Temple Temple Terrace, Terrace, Wesley Wesley Chapel Chapel Classes Sun City City Center Center and and Palma Palma Ceia. Ceia. Sun For times times and and locations, locations, please please call call 1-877-398-1108 1-877-398-1108 or or go go to to For www.taoist.org or www.brandon.florida.usa.taoist.org www.taoist.org or www.brandon.florida.usa.taoist.org The Taoist Taoist Tai Tai Chi Chi Society Society ® ® is is aa charitable charitable organization. organization. The Senior Connection Connection •• September September 2011 2011 •• page page 77 Senior
Fun Is A Full-Time Job At Riverside Club
P
atricia Clark works hard but plays even harder as the new Lifestyle Director at Riverside Club Golf & Boating Community in Ruskin, Florida. Her job is to help Riverside Club’s residents live life to the fullest by planning fun activities, socializing with the residents and creating an enhanced, active 55+ lifestyle. “The best part of my job is that I get to meet new people and have fun with them,” says Patricia. “It’s fun to get residents together and see everyone really enjoying themselves. “ With nearly 15 years of experience as an event planner and Lifestyle Director, Patricia has already rolled out many new exciting programs and special events since starting in April at Riverside Club. The wide variety of new planned events and activities include pool parties with live music and food, trivia night, yappy hour for pet owners, themed ‘60s party,
scavenger hunt, holiday golf cart and boat parades, dive-in movies at the pool, murder mystery dinner theater show, talent shows and fishing competitions. For travel lovers and those wanting to explore the area, Patricia also has organized day trips to Tampa Bay Rays baseball games and local attractions, as well as overnight trips to Key West and St. Augustine. This 55+ community by Solstice Communities offers outstanding resort-style amenities at a great value but it’s the high level of resident
Senior Connection • September 2011 • page 8
participation that makes this community unique. Riverside Club’s full social calendar allows everyone to come together and stay connected. Patricia feels customer service is key to her success and her main goal is to help the residents enjoy every aspect of the community’s superior lifestyle. The community’s fantastic amenities include an 18-hole golf course, 48-slip marina, two clubhouses, the waterfront Riverside Bar & Grille, swimming pools, fitness center, performing arts center, movie theater,
tennis, pickleball, shuffleboard, billiards and more. With so many amazing resort-style amenities and a full-time Lifestyle Director, it’s easy to see why living at Riverside Club is like being on vacation all year round. Riverside Club’s exceptional Florida lifestyle is available to retirees at a price that fits nearly every budget. New move-in ready homes are priced from the high $90s. Resale homes start from the $30s and up. These wonderful homes feature spacious floor plans, inviting kitchens, gracious master suites and lovely living and dining spaces perfect for entertaining. The Riverside Club Sales Center is located at 2550 Pier Dr. in Ruskin, Florida. To schedule your personal tour or for more information, visit www.RiversideClubFlorida.com or call us toll-free at (800) 889-9804.
Senior Games Schedule eniors from Tampa Bay will compete Last year’s oldest contestant was 96 S in the Senior Games from Oct. years young and the youngest was 50. 3 – 14 at venues around the county. The Tampa Bay Senior Games are An entry fee of $20 includes unlimited participation in the games, the awards luncheon, opening ceremony breakfast and a t-shirt. Compete against your own age group in competitions from table tennis to pickleball and from pinochle to swimming, track, bowling and billiards. An extra fee applies for golf ($20) and power lifting ($5) competitions.
Dizziness or Balance Issues?
hosted by the Hillsborough County Parks, Recreation and Conservation Department, Hillsborough County Family and Aging Services, City of Tampa Recreation Department, and Temple Terrace Leisure Services. For the registration form and event information, visit hillsboroughcounty. org/parks or call (813) 635-3519.
AARP Driving Classes
A 8
mong the many classes offered, check these out:
Plant City Church of God, 2103 Mud Lake Rd., Plant City. 9:30 a.m. to 3:30 p.m. (813) 629-3365.
12
Aston Gardens, 11702 Lake Aston Ct., Tampa. 9 a.m. to 3 p.m. Call (813) 855-2811.
12
and 13 AARP Driving Class at Pasco Reg. Medical Center, Zephyrhills. 10 a.m. to 1 p.m. Both days. Call Ramona for information and reservations: (813) 780-9168.
29
Bridges Retirement Community, 11210 Bloomingdale Blvd., Riverview. 9:30 a.m. to 3:30 p.m. Call (813) 653-7249 for information.
You don't have to live with it. Do you have…
A history of falls? Difficulty keeping your balance? Vertigo? A feeling of motion, spinning, or falling when moving your head quickly or changing position?
Answer YES to any of these questions? The good news?
You may be at an increased risk of falling. Balance can be improved with proper diagnosis, specialized therapy and exercise programs. The American Institute of Balance has successfully treated more patients for positional vertigo than any other clinic in America.
Call Before You Fall Join the official Seniors Fan Club of the Tampa Bay Rays for only Season Ticket Holder Price $15
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All Rays fans 55 and older can join the Golden Rays and receive:
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Senior Connection • September 2011 • page 9
For Fun, Exercize and New Friends, Get In Line BY JANICE DOYLE
W
atching her energetic moves in the line dance class, it is hard to imagine that Kazuko Lewis was preparing to move into an assisted living facility just two years ago. Her many health issues included arthritis and immune system problems. She had retired from the working world and its socialization when she turned 70, and without her native Japanese family around she became more and more isolated. At her doctor’s office she picked up a copy of Senior Connection and read an ad for one of our Fun Fests. Off she went to MOSI by herself just to check it out. She says, “I saw people (line) dancing and thought they had come as a group. I was surprised to learn they did not know each other.” One of the dancers explained that line dancing uses universal dance steps for a song and that she might be able to find classes at a county recreation center.
(L) Kazuko leads the group; (C) Marge Winkler; (R) Tom Wont.
Two years later, the lively Kazuko has improved her health and changed her outlook on life, and she happily reports: “I am not thinking about moving to an assisted living facility any more.” Kazuko takes line dancing classes at Brandon Recreation Center every Tuesday and Friday. Marge Winkler is the teacher from 9 to 10 a.m. for beginners and then more experienced dancers are from 10 to 11 a.m. when things speed up a bit. She has a performing group, the Brandon Belles, which entertains at reunions, nursing homes, etc.
Marge started line dancing herself a few years ago after she retired and found herself looking for ways to fill her time. Now she travels with her boom box and a notebook of CDs she uses for her students in both teaching and performing. She says she always loved to dance. She grew up in the area finding any excuse to dance. Now she loves to teach line dancing class to see the changes as people get the exercise. “It’s so rewarding to see the difference in people’s ability to move after they start line dancing. The
more they dance, the more they can dance,” Marge says. And dancers can add more bending and arm movement to the basic steps as they follow the rhythm of the music. The Brandon Recreation Center class meets year-round. The day I visited the group, there were twenty women spanning a wide age range. And there was one man in the group! Tom Wont is a retired Vietnamese gentleman who smiles broadly as he joins his wife Tamui and the others. They all agree that the class is a fun way to get exercise. Since it was early August, Recreation Director Marty Bradley brought some of the 12 – 15 year-olds who were in the park summer program to the class and taught the group the Cha Cha Slide dance steps. Line dancing is great for all ages! The Brandon Recreation Center is at 510 E. Sadie St., Brandon. For more nformation about the class, please call (813) 635-8179.
BRANDON HEARING CENTERS Take the Grandkids... On MOSI’s SkyTrail You’ll hear the difference!
BY AMY WITHEROW
C
Patty takes pride in her service to the community, celebrating more than 45 years in Brandon and Sun City Center.
Patty Paddock, BC-HIS Best of Brandon & South Shore 2007-2010 “We work together to find the best Hearing Aid for your need.” –Patty Paddock
• Call for A FREE Hearing Test • Credit and debit cards accepted rand te the G our a r b e l e • We clean and service most makesC e-opening of ffice R er O ty Cent d i C and models of hearing aids. n u S c. 3r 2 locations to better serve you.
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onquer your fears and experience a rush on MOSI’s new Sky Trail® Ropes Course in Tampa, which displays different levels of challenges for a variety of ages. SkyTrail visitors explore 36 different beam-based or rope-based elements on the Ropes Course. Some have support ropes to hold onto Patricia Robison, Caitlin and Janice Doyle to help balance, and some have no the ropes course? “That depends on rope support. At all times, though, your fear factor,” said one MOSI everyone on the ropes course is fully outfitted in a safety harness that is con- course attendant. “Everyone reaches their fear factor on the ropes course nected to an overhead tracking system at a different level. And it’s built so with a puck that can only be removed you can leave at any level.” Senior on the ground by a MOSI attendant. Connection editor Janice Doyle and The ropes course is not just for MOSI Marketing Sales Representative thrill-seekers, either. The lowest Patricia Robison did fine on levels one elements are 12 feet off the ground, and two with Caitlin, age 7. “That’s and there is no set path that must enough. I’ve experienced it,” said Pat. be followed. You can do the same Caitlin and her mother stayed on the element repeatedly until you feel able to move on or go back down the stairs. course, all the way to the top. Yes, take the grandkids. They’ll love it! Should you join the grandkids on
Is This What It Means To Retire?
BY AGGIE MCDOUGLE MCRAE
listen to why they chose Freedom Plaza!
T
heir alarm goes off at 4:30 a.m. every weekday morning and from 5:30 a.m. until noon, Carl and Tess Falkenbach unload delivery trucks, organize food storage and distribute food. Noon is not the end of the volunteer day for the Long Island transplants. Their cell phones ring into the night with questions about volunteer scheduling or delivery schedules from the USDA and Publix which strongly support the Nativity Food Bank and Pantry in Brandon with donations. Additionally, they are responsible for a myriad of federal forms required by the USDA to validate donations are distributed free to needy citizens. Carl and Tess are not looking for special recognition or thanks. They invest more than 40 hours a week in what they once thought might be part-time volunteer service. They, like most of the 100 volunteers at Nativity Food Bank, are members of the Retired and Senior Volunteer Program of Hillsbor-
To leaRn How To CHooSe a ReTiReMenT CoMMuniTy,
Plus, enjoy this active lifestyle knowing that your future is secure. Freedom Plaza’s Value Plan provides Predicitable Long-Term Care Cost, if ever needed. Volunteers Carl and Tess Falkenbach.
ough County, open to anyone 55 and over who can volunteer at non-profit agencies throughout the county. In 2010, Nativity volunteers distributed nearly two million pounds of food to over 70 ministries in the county. These food banks are the local first responders after a disaster and are especially critical to older adults who are subsidized by food banks. Retirement for Carl and Tess means having the time to dedicate themselves to their passion for helping others. To learn more about RSVP, call (813) 307-3625.
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a life Care Community Exceptional Experiences Every Day 1010 American Eagle Blvd., Apt. 114 Sun City Center, FL 33573 www.brookdaleliving.com
Fitness • Movies • Clubs Bridge • Dancing • Dining • Shopping Golf • Travel • Book Reviews Sing-a-longs and more!
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www.luggie-scooters.com Senior Connection • September 2011 • page 11
Quick Facts about Aging The Graying of the Suburbs esearchers predict that instead of heading for Florida or Arizona, most baby boomer retirees will stay right where they are, in suburbia. Brookings Institute scientist William Frey expects the political and cultural impact to be substantial. In their younger years, he says, the boomers were worried about their children and the schools, but now they’re more concerned about their own well-being. Suburban areas are beginning to prepare for the demographic shift. Fairfax County, Virginia, has presented forums on wheelchair accessibility, altered pedestrian traffic signals, and created a police unit to cope with fraud against older people. “If baby boomers stay in suburbia, analysts predict cultural shift,” —The Washington Post, June 2011.
R
STEFAN SANDERLING, MUSIC DIRECTOR
Coffeeconcerts 2011/2012 Season Introducing... Stuart Malina, Coffee Series Conductor “I’m extremely excited to be conducting the Coffee series with The Florida Orchestra this upcoming year. I enjoy making music with this wonderful orchestra, and I’m looking forward to getting to know the audience better in this unique series of concerts.”
We invite you to another season of delightful morning concerts of symphonic favorites. Enjoy all 7 concerts in St. Petersburg or a 3-concert package in Clearwater. In addition to complimentary coffee and doughnuts prior to the concerts, attendees will enjoy lively commentary by the conductor and Pre-Concert Conversations in the hall one hour before curtain to learn more about the music and composers featured on the program.
7-Concert Series in St. Petersburg starting at $134
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For more information: call 727.892.3337 or visit www.FloridaOrchestra.org For group savings (10 or more) : 727.362.5443 Senior Connection • September 2011 • page 12 TFO-Senior Connection-June.indd 1
4/11/2011 11:47:49 AM
With Two New Knees, Billie Jean Is Back Fifty years after she won her first doubles victory at Wimbledon, tennis legend Billie Jean King is back on the court, courtesy Photo by George Herringshaw. of double-knee replacements. At age 67, she’s pain-free now and playing with her life partner Ilana Kloss on the public courts in Manhattan. King promotes her World Tennis League and serves on the President’s Council on Fitness, Sports, and Nutrition. “Billie Jean King on new knees and boomer fitness,” —Associated Press, June 2011. Aging Fictional Detectives Hold Onto Their Jobs Some of the most popular authors of mystery tales have written themselves into a corner by allowing their heroes
to age in real time. The problem: Their detectives are losing, or have lost, the strength and stamina needed to physically take on the bad guys. Photo Illustration by Lindsay Holmes/WSJ Harry Bosch, the Los Angeles homicide detective created by Michael Connelly, has turned 60. James Lee Burke’s detective Dave Robicheaux is 73. And J.P. Beaumont, the J.A. Jance character who has been chasing killers around Seattle for 26 years, is now a grandfather. The authors’ fans don’t seem to mind though. When Ms. Jance retired Officer Beaumont in a 1999 book, for example, readers protested so hard the retirement was short-lived. —“The (Really) Long Goodbye,” The Wall Street Journal, July 2011 More Male Boomers Try Cosmetic Surgery He knew she was kidding, sort of, but when his fiancée said she didn’t want any wedding photos taken because of what she called his “saggy chin,” 59-year-old David Culpepper decided it was time for some plastic surgery. He was among the growing number of boomers who signed on for surgery. Last year, a total of 1.1 million men underwent a cosmetic procedure, a substantial 2 percent rise over the previous year. Face-lifts were up 14 percent, and a face-lift, as well as a chin implant, was what David Culpepper opted for. The wedding and the wedding portraits went off without a hitch. —“Gym, Check. Diet, Check. Face, Lift,”The Wall Street Journal, May 2011. (From the MetLife Mature Market Institute)
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Senior Connection • September 2011 • page 13
No, You Don’t Have to Be Diabetic to Have Neuropathy
Crime Protection For Seniors Thursday
BY DR. BONNIE SANCHEZ, DPM Board Certified ABPOPPM
M
Sept. 15, 2011 2:00 – 4:00 PM A FREE, Educational Seminar at Savannah Court of Brandon, Assisted Living Residence, presented by the National Crime Stop Program Times are tough, and crime is up. You need to be more aware of what it takes to be safe! You’ll learn: • How to be cautious when sharing your personal information • How to protect yourself. If something is too good to be true – avoid it. • How senior safety begins at home • Bring your questions Refreshments Served,
Seating is Limited… Call NOW 813-643-6767
824 N. Parsons Avenue Brandon, FL 33510 www.SavannahCourtBrandon.com Assisted Living Facility License No. 9353
Co-Sponsored by: Nurse On Call Home Health Care (813) 663-9432
Help May Be Available For Paying Your Medicare Expenses
any patients ask, “Do I have to be diabetic to have nueropathy?” The simple answer is: no! Neuropathy is any strange or unusual sensation, often in your feet or legs. It is frequently described as burning, numbness or tingling—as if your feet are asleep or you feel like you are walking on cardboard. Neuropathy is often associated with diabetes. However, non-diabetics can have it too. The non-diabetic patient with neuropathy usually has other contributing factors, such as a history of chemo or radiation therapy, a back injury, chemical poisoning, PAD or PVD, or arthritis. Your neuropathy has own unique symptoms and timing. Different treatments offer various levels of success. To sort through all of these variables, I have developed a 14 Step Protocol
that slices through the clutter and develops an individualized effective treatment plan for you. With this plan, you can be certain that no treatment option is overlooked. Your plan may include therapies such as physical therapy, electrostimulation, Far-Infrared, Laser Light waves, magnetics, acupuncture and temperature gradient as well as diet and supplement management, topical medication and, as a last resort, oral medication. Fortunately, you don’t have to try each one of these to find relief. Based upon your basic medical history, your answers to my Neuropathy Questionnaire and your physical examination, I can determine the next logical step to offer relief from this awful condition. Your next step is to schedule an appointment and ask for help with your neuropathy. I look forward to helping you. Pinellas: (727) 824-5100 or Hillsborough: (813) 645-1993.
Humana Medicare Advantage Plans can help you cover your dental, hearing and vision costs if: - you’re turning 65 - you have recently moved - you’re a retiree who has lost your health coverage You’ll have the confidence of knowing it’s all backed by a company that has served in the healthcare community for 50 years. We’re here with a helping hand. Call today: TAMPA TGI Friday’s 2501 E. Fowler Ave. September 21st • 11:30 am
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TAMPA Golden Corral 6942 W. Hillsborough September 28th • 11:00 am
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A Health plan with a Medicare contract. A sales person will be present with information and applications. For accommodations of persons with special needs at sales meetings, call 1-800-304-3530 (TTY:711) 8 a.m. to 2 a.m. EST, Monday – Friday.*Other qualifications may apply. Must qualify for assistance. Y0040_GHHH2C2HH2 File & Use 06012011
Senior Connection • September 2011 • page 14
TMP 9/11
The Healthy Geezer
BY FRED CICETTI
Q
:
Do men get osteoporosis?
A: Yes, men do get osteoporosis,
but women are at greater risk. Osteoporosis, or porous bone, is a disease characterized by low bone mass and structural deterioration of bone tissue. This condition creates an increased risk of fractures. Osteoporosis is a major public health threat for 44 million Americans; about 68 percent of them are women. One out of every two women and one in four men over 50 will have an osteoporosisrelated fracture in their lifetime. Our bodies remove old bone and replace it with new bone. During our growth stage, new bone is added faster than old bone is removed. We hit peak bone mass around age 30. After that age, we lose more bone than we form.
Who is at risk of getting osteoporosis? The chances are greater if you are a
woman. Women have less bone tissue and lose bone faster than men because of changes from menopause. Small, thin-boned women are at greater risk. Caucasian and Asian women are at highest risk. Age is a major risk factor because bones become thinner and weaker as you age. Heredity can also increase fracture risk. Low calcium intake appears to be associated with bone loss. Good sources of calcium include low-fat dairy products, dark-green leafy vegetables, almonds and foods fortified with calcium, such as orange juice. Some people may need to take a calcium supplement. Vitamin D plays an important role in calcium absorption and in bone health. It is made in the skin through exposure to sunlight. Vitamin D production decreases in the elderly, in people who are housebound and for people in general during the winter. Depending on your situation, you may need to take vitamin D supplements. Bone responds to exercise by becom-
ing stronger. Weight-bearing exercise is the best for your bones. Get off the sofa. Women who smoke have lower levels of estrogen compared to nonsmokers, and they often go through menopause earlier. Smokers also may absorb less calcium from their diets. Quit. Regular consumption of 2 to 3 ounces a day of alcohol may be damaging to the skeleton. Heavy drinkers are more prone to bone loss and fractures, because of poor nutrition and increased risk of falling. Quit or, at least, cut down. People may not know they have osteoporosis until their bones become so weak that a bump or fall causes a hip to fracture or a vertebra to collapse. See your doctor for a check-up. Following a comprehensive medical assessment, your doctor may recommend that you have your bone mass measured. A bone mineral density (BMD) test is the best way to determine your bone health. BMD tests can identify osteoporosis, determine your risk for fractures and measure your
response to osteoporosis treatment. The most widely recognized bone mineral density test is called a dual-energy x-ray absorptiometry or DXA test. A comprehensive osteoporosis treatment program includes a focus on proper nutrition, exercise and safety issues to prevent falls that may result in fractures. In addition, your physician may prescribe a medication to slow or stop bone loss, increase bone density and reduce fracture risk. If you would like to read more columns, you can order a copy of “How to be a Healthy Geezer” at www.healthygeezer.com.
Neuropathy & Other Foot Problems?
Serving The Dental Needs of the Community Since 1974
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Expires 9/30/11 Senior Connection • September 2011 • page 15
Could Your Hearing Loss Cause Dementia? BY KRISTEN WEINBAUM, AU.D.
I
s your hearing as sharp as it used to be? Are you asking people to repeat themselves? Do you hear but not clearly understand all the words? Did you know that most people wait an average of seven years before they address their hearing loss? Well wait no more. A recent study led by Dr. Frank Lin, M.D., Ph.D., from Johns Hopkins and the National Institute on Aging found that seniors with hearing loss are significantly more likely to develop dementia than those with normal hearing. The scientists say that something as simple as hearing aids may delay or prevent dementia. Audiologists have long known that hearing loss has an enormous impact on an individual’s quality of life, but because it typically comes on slowly it is often left ignored and untreated. It has been well established in the scientific literature that an untreated
for the two conditions. hearing loss can have A study presented at the many consequences Alzheimer’s Association including depression, International Conference anxiety, paranoia and in 2011 examined 900 social isolation. Yet individuals who were only one in four people identified as possibly who need hearing having dementia. Of aids wear them. Now those 900 individuals, researchers have linked one third of them were hearing loss to overall found to have hearing cognitive decline loss. Once they received that may contribute treatment for their hearing to dementia and Kristen Weinbaum, Au.D. loss they all showed an Alzheimer’s Disease. improvement in cognitive skills. The reason for the link between More research is needed to fully hearing loss and dementia is unknown. understand the link between hearing One theory is that the strain of listenloss and dementia. At this point, ing with a hearing loss for years may overwhelm the brain and leave the in- it seems that treating hearing loss dividual more vulnerable to dementia. through the use of hearing aids could prevent a misdiagnosis of dementia Another issue is that individuals and may actually prevent or delay can be misdiagnosed as having dementia. Dr. Lin is encouraging dementia when they actually have people to address any signs of hearan untreated hearing loss, partly ing loss, saying “hearing aids are because the symptoms are so similar
essentially no-risk therapies and they clearly improve your quality of life.” If someone suspects a hearing loss, they should be examined by an audiologist right away. Hearing loss should be treated early, before symptoms worsen. The good news is that hearing aids have gotten smaller and more discreet in recent years and the technology is constantly improving, so even if someone had a less-than-great experience with hearing aids in the past, it is time to take a second look. If you decide to get your hearing evaluated, it is in your best interest to see a licensed Doctor of Audiology with highly specialized university training rather than a hearing aid salesperson. Ask your physician for a referral to an audiologist or go to www. audiologist.org to find an audiologist in your area. To learn more, contact Hillsborough Audiology & Hearing Aid Center at (813) 634-2781.
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Senior Connection • September 2011 • page 16
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Save Up to $800 OFF/Set of Hearing Aids Expires 9/30/11
Medicare Answers D ear Marci, How does Medicaid work with Medicare to cover my health care costs?—William
Dear William, all states offer a variety of Medicaid programs, and several can help people with Medicare. If you qualify for a Medicaid program, Medicaid can help pay for costs and services that Medicare does not cover. For services that both Medicare and Medicaid can cover (such as doctor visits, hospital care, home care and skilled nursing facility care), Medicare will pay first and Medicaid will pay second—costs such as Medicare coinsurances and copayments. If you have Medicare and Medicaid, you should be able to go to any doctor or provider who takes Medicare, Medicaid or who is in your Medicare private health plan’s network without having to pay the Medicare coinsurances or deductibles. You may still have to pay the Medicaid copayment for the service, depending on the rules in your state.
Medicaid can cover much more long-term care than Medicare does. Medicare requirements for coverage of longterm care services, such as home care and skilled nursing facility services, are generally stricter than Medicaid’s, and the coverage itself is much more limited. If you have both Medicare and Medicaid, Medicare, not Medicaid, will cover your drug costs. Having Medicaid will automatically qualify you for Extra Help, the federal program that helps with the cost of Medicare prescription drug coverage (Part D). —Marci Marci’s Medicare Answers is a service of the Medicare Rights Center (www.medicarerights. org). To speak with a counselor, call (800) 333-4114. To subscribe to “Dear Marci,” e-mail dearmarci@medicarerights.org.
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What If I Don’t Make a Will? N
o matter the size of your estate, it is important to make a will. A will allows you control over how your assets are allocated after your death. If you do not make a will, your intentions may not be honored. Without a will, state law will dictate how your assets are divided.
State laws in the U.S. usually distribute assets to your natural or adopted relatives, leaving nothing to charities or friends. If you have no relatives, the estate goes to the state. Though some property can be passed through joint ownership, it is still important to establish a will.
Senior Connection • September 2011 • page 17
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“You Have Feet In Your Shoes”—Except When It’s Too Painful You have brains in your head. You have feet in your shoes. You can steer yourself in any direction you choose. You’re on your own. And you know what you know. You are the guy who’ll decide where to go.
D
—Dr. Seuss
r. Seuss might have been right, but if the feet in those shoes hurt, you might decide not to go in any direction but the recliner! Kendrick Whitney, a professor of podiatric medicine and orthopedics who specializes in shoe function and design, took a look at some popular shoe types. Here’s what he found:
relatively unstable bottom. The next generation of shoes came with fitness claims—the idea being that since the calves and thighs had to work harder to maintain balance in these shoes, they could help tone problem areas. The American Council of Exercise has found that the shoes “provide minimal exercise benefit and realistically, they’re not going to give the wearer the higher bottom or tighter legs they’re hoping for unless they plan to do a lot more walking—several miles per day,” says Whitney.
Toning shoes The toning sneakers (with the rocker bottoms) were introduced to mimic a more natural way of walking that would help improve posture and balance. The first such shoes had a Senior Connection • September 2011 • page 18
However, the shoes do have several benefits: Wearers tend to be more motivated to exercise, they can help improve back pain by improving posture and they can help reduce stress to the heels, forefoot, knees and hip joints. They can also help with muscular function. He adds that it’s important to consider the shoe’s weight; heavier shoes can act similarly to ankle weights. The key with toning shoes is to ease into them and, ideally, to have a podiatrist or orthopedist examine the legs and feet to make sure they’re good candidates for these types of shoes. Roll-up flats and flip flops For women who’ve ever suffered the pain of standing for hours in heels, several companies are now marketing flats that are cheap and can roll up and store discreetly in a handbag. And the old standby, flip-flops, can be purchased
for relatively little money at many stores. Whitney calls these EFCs—excuses for foot coverings. “It’s like wearing slippers outside,” he said. “They provide poor stability, no support and you can actually do more damage by changing directly from heels into these types of shoes.” To prevent injury, he recommends doing calf stretches and foot circles “with the same regularity that you brush your teeth.” For flip flops, he says there are several on the market that provide excellent support. “They have padding in the forefoot and arches to even out pressure distribution, and the heel cup is lower to the ground.” As with most things, a good quality shoe will cost a little more. Whitney says not to be swayed by cheaper imitations. “You get what you pay for,” he said. “And a well-made shoe is an excellent investment that can last you for several years.”
Help! My Son Moved Back Home
I
n the book, How to Raise Adult Children, Gail Parent and Susan Ende, M.F.T. tackle all sorts of issues that affect every family with adult children. Here’s one letter and answer:
control. I know he knows what to do, but . . . remind him gently. It means sending out resumes, networking at LinkedIn and going on Yahoo Jobs and other job search websites. Remind him it’s not a one-time thing. It has to be done every day. At least he’ll be pro-active and not feel that he can’t do anything about his situation. We get depressed when our kids get depressed. Try to smile for his sake. Also, remind him that he’s not alone and that this is a difficult time to find work and others are in the exact same situation he is. —Gail (who told her sons if they ever need to, they can move back in with her).
Dear Gail and Susan, My son Eric was living with us for a little while after college. He finally got a good job and moved into his own apartment. That was two and a half years ago. He just lost that job and has moved back in with us. He’s depressed. How can I help him? —Robin
Retirement Living Dear Super Mom? If you, Robin, can get Eric out of his depression, someone should hand you a psychology degree immediately. He needs therapy. But until you get him to a doctor’s office, what you can do is help him get his work situation under
Sometimes a safety net becomes a trap. Moving in with parents can
sometimes make the problem for our child worse. Eric not only lost his job but he also lost his apartment, his independence, his adult identity. No wonder he’s depressed. He thought he was launched and now he’s right back where he started—at home with Mom and Dad. Moving in with parents should not be the only option if a kid gets in trouble. It’s often not the best option. But here Eric is home and depressed. I agree with Gail, that he should be looking for a job, every day in any way he can. However—and here’s where parents have to take charge— Eric should not be allowed to give up his life and become a catered-to, dependent invalid who can do nothing but look for a job.
There should be conditions for his room and board. For instance, he could be in charge of all the grocery shopping, the gardening, taking younger kids to school, all of which gets him into the world with people and making an adult contribution. The more his parents treat him like an invalid, the more helpless and depressed he will become. I strongly recommend that parents and child have a plan for losing a job that does not require that the kid move back home. How about three months expenses in savings, unemployment insurance, moving in with roommates and getting a temporary job to make ends meet? Life brings challenges we have to cope with. Going back to Mom and Dad should not be a child’s only coping tool. Certainly, if Eric is too depressed to do any of the above, he should be seen by a doctor for medication and therapy. —Susan
Gift Card Savvy BY ANDREA WOROCH
W
$
$$
RD
A T C
ith the doors closed GTwenty-f at Borders, consumers would do well to look at gift cards lying around the house. Here’s what you can do if you hear that a store is financially unstable. IF
ive
ars
ll do
G oi ng f Ou t o ss e Busi n ! ! S a le
1. Move fast. Store liquidations usually begin rapidly so it’s often best to use up gift cards online, rather than wait until you have time to visit a retail store.
2. Research the bankruptcy status. Borders was refused bankruptcy, meaning they had no choice but to liquidate. Other retailers, however, filed for bankruptcy and turned things around. Sometimes a company that’s filed for Chapter 11 is allowed by the bankruptcy court to honor its gift cards. 3. Consider the company’s stability. Research their financial stability via such sites as BBB.com and Forbes Risk List. (Stores considered at-risk by
Forbes presently include Rite Aid and Zales.) Also, ScripSmart.com regularly updates its list of “Gift Cards to Avoid.”
4. Use it or sell it. If you’ve received a gift card for a merchant you wouldn’t frequent, you can exchange gift cards for cash on such sites as GiftCardGranny.com and receive up to 95 percent of the card’s value in cash. 5. Use a credit card. If you’re concerned about a retailer’s financial stability but still want to buy a gift card, do so using a credit instead of a debit card. You can then ask the card issuer to withhold payment until you’re sure of the merchant’s status. Andrea Woroch is a consumer and money-saving expert for Kinoli Inc.
Use your history to help change your financial future
Using your prior year’s tax form, Thrivent Financial’s “What-If” tax calculation program can help you understand how changes in your financial situation might affect your tax liability. We have tax-efficient financial strategies that can help, too. For more information, call today. Pam Markle, ChFC, CLU, CASL Financial Associate 17535 Darby Ln, Ste 311 Lutz, FL 33558 813-443-5088
Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal, accounting, or tax advice or services. Work with your Thrivent Financial representative, and as appropriate, your attorney and/ or tax professional for additional information. 21573C R8-10 ©2011 Thrivent Financial for Lutherans 201003719
Senior Connection • September 2011 • page 19
Are You One of the 50 Million Americans with Tinnitus? I f you have ever experienced a ringing, buzzing or even roaring in your ears, even when there is nothing around you actually creating that noise, then you know what it’s like to have tinnitus. For an estimated 50 million people, tinnitus doesn’t permanently go away. It can be so annoying that it can lead to fatigue, stress, sleep problems, concentration troubles, anxiety and depression. The good news is that new options exist for tinnitus management including a breakthrough sound therapy tool. You may be surprised by what can causes tinnitus. A common cause of tinnitus is exposure to loud sounds, which can damage the sensory cells of the inner ear. Tinnitus has also been associated with ear infections, aging, excessive ear wax, high blood pressure and even sensory nerve disorders. Activities that may cause tinnitus include smoking, drinking alcohol or caffeine and taking excessive amounts of aspirin or antibiotics.
What to do if you think you have tinnitus? Start by being evaluated by a hearing healthcare professional. Some hearing healthcare professionals have general experience with tinnitus while others are specifically trained in managing tinnitus. He or she can help you determine the best options for managing the condition. If there are no specific medical issues involved, there are still several steps you can take to help reduce the severity of your tinnitus or help you cope better with the noise. Tinnitus management • Hearing aids. In as many as 90 percent of cases, someone experiencing tinnitus also has a hearing loss. The use of a hearing aid to amplify sounds can help to make the ringing or buzzing less distracting. • ZEN. The real breakthrough today comes from advanced hearing instruments that make use of fractal
tinnitus or make the symptoms less bothersome: • Avoid likely irritants such as loud noises or nicotine that may worsen your tinnitus. • Manage stress, perhaps through relaxation therapy, biofeedback or exercise.
technology and offer a harmonic sound program called ZEN. This type of program generates soothing sounds and chimes that show great promise as a sound therapy tool to relax patients and distract their attention from their tinnitus. • Noise suppression. Electronic devices with pillow speakers that produce “white noise” may help you to sleep better at night. Additional lifestyle changes that may help you to either avoid
• Limit your alcohol intake which can increase blood flow, especially in the inner ear area, and contribute to tinnitus symptoms. • Use hearing protection.
• Manage your cardiovascular health with regular exercise and good nutrition.
Learning as much as you can about tinnitus and ways to alleviate symptoms can help you cope. The Zen program is only available inside hearing aids such as the Mind440 Passion 440. For more information, visit Widex.com..
Does Sex Help or Hurt the Heart As We Age? I
Senior Connection • September 2011 • page 20
s sex a form of exercise that can keep us healthy or a threat to those with heart disease? The June issue of the Harvard Men’s Health Watch reviews research on the connection between sex and health. According to one study, sex doesn’t count as heart-protective exercise. This research monitored middle-aged male and female volunteers while they walked on a treadmill in the lab and during private sexual activity at home. The two are not equal—the treadmill proved more strenuous. During sex, the men raised their heart rates only 72 percent as high as they did on the treadmill. Sex was even less strenuous for women in terms of heart rate, blood pressure and perceived exertion. All in all, average sexual activity ranks as mild to moderate in terms of exercise intensity. But if sex can’t protect the heart, can it hurt it? Careful studies show
that fewer than one of every 100 heart attacks is related to sexual activity, and for fatal arrhythmias the rate is just one in 200. So for a healthy 50-year-old man, the risk of having a heart attack in any given hour is about one in a million; sex doubles the risk, but it’s still just two in a million. For men with heart disease, the risk is 10 times higher, but even for them, the chance of suffering a heart attack during sex is just 20 in a million, which are pretty safe odds. The best way to stay healthy and protect cardiovascular health is to avoid tobacco, exercise regularly, eat a good diet, stay lean and limit alcohol. Do not initiate sexual activity if you are not feeling well, and anyone experiencing possible cardiac symptoms during sex should interrupt the sexual activity at once. With these simple guidelines and precautions, sex is safe for the heart.
Veterans Corner
You’ve asked for better hearing at an affordable price.
“We’re Listening, Florida.”
Membership Has Its (Veterans) Benefits
M
embership in the U.S. Armed Services has its benefits. Even if you served as a young man, you can be a member with benefits in your senior years. There are 23 million American Veterans in the U.S. today. Eight million of them receive VA benefits, yet many veterans never apply for the benefits they have both earned and deserve. Some don’t know they are eligible. Others fear the daunting process of applying and qualifying for the benefits. Some of the benefits available include the following: Prescription Drugs: All drugs are free with an $8 co-pay, depending on income, often eliminating the need for a Part D coverage plan. Veterans receiving pensions are fully exempt from co-pays for VA health services, including prescriptions.
Nursing Home Care: The VA contracts with over 2,500 privately owned and operated nursing homes complementing the 132 they own themselves. Congress has ordered the VA to find a place for all veterans with a 70 percent or higher disability rating. Lower-rating veterans are also eligible but will be placed on a waiting list in areas where beds are scarce. In-Home Care: Veterans who need in-home care and meet the income means test can receive limited home-making services and assistance and basic home health needs, to be provided by service companies contracted by the VA. Single veterans with income above $29,402 (and $32,285 for married) might have to pay a co-pay of $15 for a provided medical services visit. Respite Care can also be provided to allow a family caregiver some time off, with co-pays from $0 to $90 per day, depending on income qualification. Health Care Benefits: The VA provides extensive health care, including
surgery and in-patient care at its 1,400 clinics, hospitals and care centers. Except in the case of service-connected disabilities, eligibility is based on an income-qualifying test. Single veterans cannot have income exceeding $32,342 ($38,812 for married), but adjustments are allowed for residing in higher-cost parts of the U.S., using a Geographic Means Test from HUD. Disability Compensation: Formerly, VA disability comp. examiners were encouraged to reject all but the most obvious and extreme cases involving specifically service-connected disabilities. In a new view, a servicerelated disability does not have to be an injury received in combat. Injuries that occurred or were aggravated while serving in uniform are worthy of consideration. Since disability comp. payments are unrelated to current income, they are available to a surviving spouse at a reduced level, based on the degree of disability. Disability degree can range from 10 percent to 100 percent as determined by a VA doctor and subject to appeal. VA Guaranteed Mortgages: If you’re an older veteran wanting to buy a senior-housing complex unit, eligibility determination is very gracious. SSI and food stamps are not counted as income, homes and cars are not counted as assets and household savings and investments up to $80,000 are allowed and still allow pension and health care benefit. Because the VA’s goal is to keep people in their own homes and out of institutions, there is no “look-back” period for giving assets to relatives. To learn more, take your DD214 or Certificate of Service to your local Veterans Service Centers. Local Help: Veterans Service Center, 10119 Windhorst Rd, Tampa Ph:(813) 274-6600; James Haley Hospital, Curtis Wilson, VSO, (813) 975-2181 ext 206.
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Senior Connection • September 2011 • page 21
Caregivers… Change Your Life Forever!
Come to the New Age of CAregiviNg SympoSium fridAy, September 23rd At ruth eCkerd hAll iN CleArwAter
Caregivers…there’s a very special event taking place at Ruth Eckerd Hall in Clearwater on September 23 that will change your life forever! It’s The New Age of Caregiving Symposium where you’ll learn from experts how to reduce stress, restore balance to your life and find all the resources you need to help you be a better caregiver. Meet acclaimed Passages in Caregiving author Gail Sheehy; find resource material from more than 50 sponsors; immerse yourself in a massage and healing spa; attend one of 6 breakout sessions, enjoy breakfast, lunch and refreshments at closing ceremony; plus, get the chance to win super door prizes. Advance tickets are just $45 for the entire day’s activities. Bring a friend and make it a great day for yourself and someone you care for. But please hurry. Space is limited! to reserve call kim linder at 727-798-2663 or email kim@thecaregiverhour.com today! or purchase online at www.newageofcaregiving.com.
Portion of proceeds benefits Area Agency on Aging of Pasco-Pinellas, Inc. Senior Connection • September 2011 • page 22
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Home Health Mates...Question & Answer Take The Guesswork Out of Finding the Best Home Health Care
BY BRUCE MUENTER
I
received many inquiries over the past month on how to select home health care and the questions that need to be asked to make an informed decision. Joe from Sun City asked; “I am bombarded with information, but all any agency seems concerned about is selling me services. In many cases, I am not sure what to ask.” Joe, believe it or not that continues to be the question that the majority of readers need answered. In an attempt to trim the information down, here are the top five questions any prospective client should be asking:
1. Is your agency licensed and accredited? Licensing and accreditation are the nucleus of any home health agency. Without licensing, they would cease to operate. Ask if they have had any violations, and what were the reasons. You should also go to the AHCA (Agency for Health Care Administration) for Florida. Here, you can look up past performance issues and see if they have been corrected. Accreditation is a little trickier as this has historically been an optional quality approval in Florida; but in 2010 it became mandatory for all new agencies. Regardless of whether the agency had to or not is irrelevant. Any agency concerned about quality will be accredited by one of three agencies: CHAP (The Community Health Accreditation
I would encourage you to e-mail me at bmuenter@homehealthmates.com or send your questions to: News Connection, USA, P.O. Box 638, Seffner, FL 33584, Attn. Editor – Home Health Mates. I will answer all questions you may have, including the ones that we do not feature in Senior Connection magazine.
Program), ACHC (The Accreditation Commission for Health Care) and JCAHO (Joint Commission). If they said this is not really important, then they just told you enough about their concern for quality. 2. Is your plan of care supervised by a Director of Nursing? Your plan of care should be assessed in the beginning and evaluated monthly by a RN with no extra charge. If they charge you for this service, then you have not done your shopping. 3. Do you have hourly minimums? You should not pay for service that is not needed. If the agency tells you that a minimum amount of hours is needed for their services, then you have not shopped around for the right agency. Don’t buy more than you need. 4. How do you hire employees, and are they your employees?
What is their process for hiring (experience of minimum one year in home health care). Licensed? Bonded? Insured? Ask to see the certificate of insurance. Do they work directly for the agency or are they contract employees? Private caregivers also increase your liability…in other words, if they fall in your house while working, then you’re personally liable. 5. What separates you from other agencies? What is their customer satisfaction rating? Do they even know? What percent of their customers end up in the hospital or rehab with the agency’s care? Does the agency let you meet the caregiver free of charge prior to the initial visit? Do you have a choice? These five steps will allow you to make an informed decision. As always, feel free to call me at 813-884-5040 if you have any questions, or visit my website at: www.homehealthmates.com/ tampa.php. Have a great month! Senior Connection • September 2011 • page 23
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Protect Yourself from Financial Predators BY YVONNE CURLEY
W
ith finances as they are today, it’s easy to get led astray. Don’t let it happen to you or someone you know. Seniors lost nearly $3 billion last year to financial predators, according to the August Money magazine. One out of every five older Americans has been sold an inappropriate investment, paid excessive fees for a financial product or service or been a victim of fraud. Understand how you can get hooked by a predator.
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Senior Connection • September 2011 • page 24
Here are the “pitches” to avoid: 1. “Let me buy you lunch.” Here’s the truth: 57 percent of sales materials from those free lunch seminars include misleading or unwarranted claims. Look for vague generalities and pressure tactics. You might hear part of the story but not the whole story about a product. Take someone along—another pair of ears is as valuable here as at a doctor’s appointment. 2. “I can ease your mind.” Fear increases our tendency to look for simple suggestions and makes it difficult to think critically. Listen for questions that are too personal about what you fear most. Put your number on the Do Not Call list (888-382-1222), throw away junk mailings and practice saying this phrase: “No, I’m not interested.” 3. “I’ll be your Best Friend.” Deceptive agents may try to become a buddy or helper to help themselves to your money information. Friendship can blur the sales relationship. 4. “I can get you 8 percent on your money.” The numbers vary, but the deceptive pitch will offer high returns that are “safeguarded.” This
typically means a complicated, risky investment which carries hidden costs and which ties up the principal for a long time. Ask specific questions and take the plan to a trusted individual for clarification.
5. “Act now, call today.” Beware of those who create a false sense of urgency, trumpeting limited-time offers. This is a common tactic. Taking out a reverse mortgage, for example, is too involved a decision to be made in a rush—ask several non-sales people about it before you sign papers. Florida’s Department of Financial Services works to help safeguard seniors and all consumers from being victims. Their Division of Consumer Services Helpline is the place to call. Here’s a true story of a victimized senior: A Hillsborough County senior called the Division of Consumer Services Helpline after discovering that he had been misled about the product he purchased. The consumer answered an advertisement offering a one year Certificate of Deposit at 6.5 percent. He gave the agent a total of $175,000 with the understanding that it would be placed into the CD. The consumer later discovered that the funds had actually been placed into a ten-year annuity. One of the DFS Insurance Specialists contacted the company on behalf of the consumer and was able to obtain a full refund of the consumer’s initial deposit plus interest. This consumer had a successful resolution.
Financial Helpline Making contact: Florida Department of Financial Services, Division of Consumer Services Help Line at 1-877-MY-FL-CFO (1-877-693-5236). A trained consumer specialist with the Safeguard Our Seniors Task Force will help you. The website is www.my floridacfo.com/ica/senioralerts.asp.
New Power of Attorney Law Changes Everything BY WILLIAM R. MUMBAUER, Attorney
www.flwillstrustsprobate.com
I
f you are considering having a Power of Attorney prepared—an advance directive that arguably every adult should have—then you need to be aware that effective October 1, 2011 a new law drastically changes how a Florida Power of Attorney must be drafted and executed.
The Law And You The new law makes many changes to the existing Power of Attorney law. It changes how the Power of Attorney must be executed and also creates stricter standards regarding the minimum qualifications for the agent named in the Power of Attorney. The law changes how the agent may be compensated and creates many other new requirements as well.
One change may be of particular interest to those who are concerned than an extended incapacity might lead to their being admitted to a nursing home. The new Power of Attorney law requires that the Principal, the person who makes the Power of Attorney, separately sign or initial certain enumerated powers relating to the Agent’s authority to assist the incapacitated Principal in obtaining Medicaid benefits. Therefore any Power of Attorney made on or after October 1 and not executed in the manner required by the new law cannot be used by the Agent to obtain Medicaid benefits for the incapacitated Principal. As the new law is, in fact, so new it would be wise for anyone planning to have a Power of Attorney prepared to make sure their attorney is familiar with the new law and specifically how the new law impacts how a Power of Attorney must now be drafted and executed to be valid.
The Federal Government reduced the Medicare Budget by 500 Billion Dollars, how will this affect you? Do you have a Medicare Advantage HMO plan or PPO plan? Do you have an employer sponsored retirement plan with out of pocket medical costs?
Does your plan have Maximum Out of Pocket deductibles that have to be reached? Does your plan have daily out of pocket hospital costs and out of pocket ambulance costs?
*If you answered “YES” to any of these questions and you would like more information, please give us a call to see if there are immediate benefit options available that you qualify for. *Must be at least 64 1/2 years old to meet minimum eligibility guidelines. *Protect your financial assets from potential health problems!
Providence Financial and Health Services • Lifetime Income Strategies • IRA & CD Rollovers • 401K, 403B & DROP Acct. Rollovers
• All Medicare Insurance Options • Family/Individual/Corporate/Small Business Health Plans • Life Insurance Plans
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• 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.
When you have questions ... About your ... ¸ Financial Allocations ¸ Health Insurance Options ¸ Life Insurance Planning ¸ Pre Need Funeral Planning
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James Cabble Manager
813-245-6656 Providence Financial and Health Services 6919 Providence Rd. • Riverview, FL
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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 MartindaleHubbell Peer Review Rating for Legal Ability is High to Very High and his General Recommendation Rating is Very High. His articles are based on general principles of law and are not intended to apply to individual circumstances.
Senior Connection • September 2011 • page 25
Roanoke—“It’s a Blue Ridge Day! Day!” Attention Readers: The second part of our Northern Ireland story will be featured in our upcoming October editions. —Kathy Beck, Publisher.
Boston Red Sox affiliate and the beautiful stadium is simply a great place for an evening of fun.
Eat Well When in Roanoke, eat like a Southern native—that means as directly from farm to table as possible. Visit the downtown Roanoke City Market for food, shops and restaurants too. The Local Roots restaurant features changing seasonal menus. Beverages tend to go native as well, coming from “small batch, family-owned, rare, and unique purveyors.” For quality steak dinner, nothing beats NFL Hall of Fame coach Don Shula’s 347 Grill in the Sheraton Roanoke Hotel—delicious filet mignon and the best cheesecake in town.
BY JANICE DOYLE
“I
t’s a Blue Ridge Day.” That means the temperature’s perfect, the sky’s blue and all’s right with the world. It must mean I’m in Roanoke, Virginia, right there on the Blue Ridge Parkway. What’s the buzz about Roanoke?
In the Spotlight You! Let your family know they can see you on their computers when you’re in front of the web cam located at The Roanoke Star and Overlook on Mill Mountain. You’ll go there for a bird’s eye view of the city and then you’ll call them to say you’re waving at them. The Star was built in 1949 to encourage Christmas shopping and just stayed on to become a theme for “Roanoke, the Star City.” While you’re on Mill Mountain, visit the gardens, the Discovery Center and the little zoo.
Travel Hot Ticket! Take me out to the Salem Red Sox Class A Minor League professional baseball team. It’s a
Top: Overlook on Mill Mountain and the Roanoke Star. Above: The Taubman Museum of Art
The Local Gem! I found several gems in Roanoke, but none more visually stunning and values-impressive than the Taubman Museum of Art. It’s a downtown architectural wonder which is “an abstract sculpture of the Blue Ridge.” Outside design elements relate to the surrounding mountains and inside design elements reflect the rivers of the area in the rounded walls and meandering overhead designs. This gem of a museum has nine galleries and impressive works throughout. It’s free from 5 to 9 on Friday nights. However, regular
Senior Connection • September 2011 • page 26
Link the photographer used lights and cameras and trains as he documented the last days of the steam locomotive —pictures that we recognize from ads and commercials of a bygone era.
Virginia Museum of Transportation
senior admission is just $6—one more reason it’s impressive.
In the Bag Among the city’s unique shops is chocolatepaper, featuring all things chocolate. If you’re a treasure hunter, visit Black Dog Salvage for 40,000 square feet of architectural treasures (old church windows, etc.), antique designs like mantels and wrought iron works, furniture and much more.
All Aboard Roanoke was a railroad hub for decades and today it holds the best railroad collection in the U.S. The Hit the Trail, Jack town’s sidewalks become Pick a trail, any trail. a Rail Walk leading via In Roanoke, you’re just signage through history and The Crooked Road Virginia Heritage minutes from the famous into the Virginia Museum Appalachian Trail. If hiking Music Trail of Transportation. Located isn’t your thing, drive the in the historic Norfolk & Crooked Road Virginia Heritage Western Railway Freight Station, Music Trail. It will lead you by way there are 50 pieces of rolling metal of numerous studios, galleries and and a huge collection that includes shops to the Blue Ridge Institute and automotive (a 1913 Detroit Electric Museum of Ferrum College. Check car), aviation, transit and more. the trails out when they all lead to the Nearby, the old Roanoke Hotel Folklife Festival at Ferrum College exudes the rich heritage of a grand the fourth Saturday of October. hotel built to house the guests who enjoyed new and luxurious transporta- The Sweet Spot The area’s best-kept secret is Hometion of the 1800s. You can relax in stead Creamery, an old fashioned the lobby while looking at the hotel’s family-owned dairy and produce history in photos, stay in one of the hot spot. Treat yourself to yummy 300+ guest rooms or enjoy a fabulous sandwiches, soups and ice cream made meal right in downtown Roanoke. right next door. Table for Two… or A movie across the street at the more. Information at visitroanoke.com. Winston Link Museum tells how
Parkway or Skyline Drive?
G
ood question—are you on the Blue Ridge Parkway or Skyline Drive? The answer is that the Skyline Drive is the 105-mile-long roadway through Shenandoah National Park, a traditional national park. There are six entry points and an entrance fee to visit Shenandoah NP.
The Blue Ridge Parkway, also a unit of the National Park System, is a landscaped corridor with a few areas of large acreage, designed as a recreational motor road connecting Great Smoky Mountains and Shenandoah National Parks. So, one is a drive through a traditional park and one is a roadway only.
Hey Seniors! Join Us For the Best Event of the Year!
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FREE HEALTH SCREENINGS Nov. 17, 2011 • 10am–3pm
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Senior Friendly Lunch Available
EDUCATION • INFORMATION • ENTERTAINMENT Join the Fun! One mile “walk” around Largo Central Park, November 17, 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.srmagazine.com (MAIL DEADLINE 11/10/11) or sign up Thurs., Nov. 17 at 8:45 am. Sponsored by...
Information & Directions call: 1-888-670-0040 • www.srmagazine.com Senior Connection • September 2011 • page 27
Do You Have Enough Life Insurance?
F
Villa Vacation Rentals • Day Spa • Fishing Charters Harbor Cruises • Boat & Kayak Rentals • Military Heritage Museum Live Entertainment • Special Events & More! Just 3 miles west of I-75, Exit 164 on Marion Ave., Punta Gorda
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Shades of Ireland Departing April 23 – May 12
Highlights: Castle Stay, Limerick • Cliffs of Moher, Galway • Farm Visit, Killarney Jaunting Car Ride, Ring of Kerry • Blarney Castle, Kilkenny • Dublin
Cliffs of Moher, Galway
Connemara, Galway
Photos credits: Tourism Ireland
Dancing, Limerick
Tour Experiences • Join in the festivities as a guest at a traditional Irish House Party • Overnight on the grounds of a castle and delight in the pleasures of royalty • Travel the Ring of Kerry, one of the world’s most beautiful coastal route.
10 Days • 13 Meals: 8 Breakfasts • 5 Dinners
Per person rates: Double $3,049; Single $3,449; Triple $3,019 Included in Price: Round trip air from Tampa International Airport, air taxes and fees/surcharge of $200 (subject to increase until paid in full), hotel transfers Not included in price: Cancellation waiver and insurance of $200 per person
For more information contact Senior Connection Travel Club • (877) 872-4331
Booking number: 460821 Departure Date: October 1, 2011
Tour: Shades of Ireland Group Name: Senior Connection
Senior Connection • September 2011 • page 28
ind out by getting a needs analysis. A life insurance needs analysis is key to determining how much life insurance coverage you would need to help keep your family in sound financial shape if you died. Take a moment to think about how much life insurance you need. It might not be that simple to come up with an answer. To get started, think about the answer to these questions: What would life be like financially for your loved ones if you were no longer there? Would they be able to maintain their standard of living? Would they be able to cover outstanding debts? Although it may be difficult to think about answers to these questions, it makes it that much more important to take stock of your needs today. With too little, your loved ones might not receive all the financial protection they deserve. The Family Let’s walk us through a typical needs analysis for a hypothetical family. Chris and Diane Rawley are 45 and 40, respectively. Chris earns $65,000, and Diane earns $40,000. They owe about $15,000 on their credit cards. They have $200,000 in retirement savings and a $150,000 mortgage. They plan to send their two children to public universities. The Insurance After deducting the group life coverage that Chris has at work and the Rawleys’ assets that would be available, the Rawleys feel that they should buy a policy that will pay out
$600,000 if he dies, and $500,000 if she dies—about eight times their current income. This includes replacement income, $35,000 for incidental or emergency expenses; $96,000 for education bills; $25,000 for burial expenses; plus help paying off their debt. By completing a needs analysis, the Rawleys were able to make an informed decision about how much coverage was right for them.
Use Our Online Calculator At AAA Life Insurance, we make it easy to help determine how much life insurance you need. Take a few minutes today to use our online Life Insurance Needs Calculator (https://www. aaalife.com/needs-calculator) and find out how much is right for you. To take stock of your life insurance needs, visit your local AAA branch (see back cover for listings).
Example shown for illustrative purposes and should not be construed as advice or a recommendation. Life insurance underwritten by AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states except New York. ALMI-19818-611-XX
Sunrise Rotarians Meet
S
unrise Rotary is a breakfast club that meets every Thurs.at 7 a.m.at the Kokopelli Restaurant, in Dade City (except for the first Thurs. of the month when they meet at 4:45 p.m.) Visitors are always welcome. Rotarians across the world are kept up-to-date with a variety of topics at their weekly meetings. Locally, Dade City Sunrise Rotary recently had two diverse speakers pass on interesting
information. Mrs. Jeanette Brown relayed an in-depth history of the Rotary club’s worldwide banner exchange program, while on another occasion, Dr. David Hernandez discussed a program called Diagnosimetrics which uses local demographics to provide better, more cost-effective diagnoses to area patients. For details about upcoming meetings and speakers, call (941) 356-8909.
Valencia Lakes’ Music and Arts Festival
E
njoy an exciting day of live music and great art in the South Shore when the Valencia Lakes Community proudly presents its first annual Music and Arts Festival on Saturday, October 1, 2011. The festival will bring outstanding regional musicians and artisans to the South Shore area to display their exceptional talents. The event will be held in the Valencia Lakes Community located on U.S. Highway 301, one and a half miles north of State Road 674 (Sun City Blvd.). Watch and listen to continuous live music performances from 11 a.m. to 7 p.m., which will headline Barry Newman, formally of The Crests (“Sixteen Candles”). Other showcase performers include Richie Merritt (golden oldies), Bill Lindsey (Elvis), Democracy (reggae), The Music Makers (all genres), and Stacey Knights (jazz saxophone). In addition to the live musical performances, there will be an Artists’ Market featuring fine arts and crafts from a variety of local artists. Visitors can purchase original
artworks such as paintings, jewelry, sculptures, pottery, dolls, and much more. Local food vendors will also offer an array of meals and snacks. Admission is only $5 per person, which includes free parking and a donation to The Mary and Martha House, a non-profit organization that provides emergency shelter and support to abused and homeless women and their dependent children. The organization’s mission is to transition women to gainful employment and permanent housing. The Grand Sponsor of this event is Gettel Automotive-Toyota of Lakewood. Other sponsors include Mary & Martha House, Miller Lite, Senior Connection/Mature Lifestyles, GL Homes, St. Petersburg Times, Kings Limousines, ABC Liquor and Fine Wines, Brighthouse, Busy B Printing, Payant Financial, Pepsi, Smrekar and Wolf, State Alarms, and Waste Management. Visit their website at valencialakes festival.com for more information.
Attention Golfers of All Ages:
Enjoy a Fabulous Day of Golf While Helping Two Great Local Causes!
Rotary Club of Sun City Center & West Central Florida Area Agency on Aging’s 2011 Annual Charity Golf Tournament Honorary Chairman: Hillsborough County Sheriff David Gee
Saturday, October 1st
Freedom Fairways in Sun City Center Registration and Breakfast: 7:30 AM Shotgun start: 8:30 AM $60 per player $225 per foursome Includes: Breakfast, 18 Holes of Golf, Snacks and Refreshments, Lunch, Putting Contest, Winner Trophies, Door Prizes, Raffle Prizes and more! Call: 813-676-5583 or Visit: www.AgingFlorida.com
Hot! Hot! NEW
Just off the Press
Presents the: http://www.seniorconnectionfl.com website • Local and World News • Great Stories & Information
• All Your Favorite Events
• Travel, Finance, Health & More! Senior Connection • September 2011 • page 29
Questions Tourists Ask
Last Month’s Answers
A
August Sudoku June Lewis is last month’s winner! Congratulations!
Win Great Prizes!
New winner selected each month
ccording to the Travel Industry Association of America, these are the funniest questions asked by tourists:
• If it rains, will the fireworks be held inside?
• Are the Amish in season now?
• (Wife): Aren’t those the most spectacular ruins you’ve ever seen, dear?
• Does the sun set here every night? • Why is the “Closed for Cleaning” sign on the restroom?
Good Luck!
Sept. Sudoku
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 Sept. 21 will win. Send your answers along with your name, address and telephone number to: SENIOR CONNECTION OR MATURE LIFESTYLES 1602 S. PARSONS AVE., SEFFNER, FL 33584
WIN! WIN! WIN! GREAT PRIZES!
SUDOKU MUST BE RECEIVED BY SEPT. 21, 2011
Word Search
• I’ve heard about the jazz funerals in New Orleans. When can I go to one?
• How come all the famous battles were fought in national parks?
• (Husband): Yeah, but what I don’t understand is…why’d they knock ‘em all down?
A Reader Writes:
Dear Senior Connection, I love doing these puzzles. Thank you. Please keep them in your paper. Your senior magazine is great! I read it from start to finish. Enclosed are my answers to your puzzles. My fingers are crossed... — Love, Josie Salvo
Word Search Sept. 2011 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
August 2011
Walter Roberts and Mary Bishop are last month’s winners! Congratulations!
& Senior Connection • September 2011 • page 30
Florida’s Award Winning Senior Magazine
Send your answers along with your name, address and telephone number to:
The fi rst correct answers selected from the drawing on September 21 will win.
MYSTERY WIN! WIN! WIN! MYSTERY SENIOR CONNECTION or PRIZE! PRIZE! MATURE LIFESTYLES GREAT PRIZES! 1602 S. PARSONS AVE. SEFFNER, FL 33584 (Puzzles must be received by Sept. 21, 2011.)
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 4023 SEEKING CUTE 59 –65YO HONEST, ONE-WOMAN MAN. IQ, “Patriotic,” conservative with SOH. Love travel, have RV? Love Ford Mustangs (rear-drive), beaches, sm Dogs! NS/SD/NDrg. I’m 5’5”,
HWP, Pretty w/blonde hair. Let’s dance—make Bucket list! Florida. 4034 SEEKING SINCERE NONSMOKER Looking for man in late 50s, early 60s to get together, caring, faithful, enjoys walks, dining out. Relax at home. I’m 5’4”, 118. LTR if compatible. NS, ND. Pasco County. 4037 SLENDER, ATTRACTIVE, FUN-LOVING WWF seeks good gentleman friend, 75 plus, for sharing good times. Enjoy dining, dancing, movies, beaches, travel, flea markets, togetherness, much more. Possible romance. St. Pete. 4043 SEEKING CARING FAITHFUL MAN White male, 60+, who enjoys walking, dancing and music or just togetherness at home. Romantic NS-NDrg. E. Pasco area. Please send recent photo. 4045 WD, F, NS, ND, C 70s, sharing swims, hikes, arts, theatre, wellness and good times. Palm Harbor, 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):
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:
Phone:
State:
3992 SEEKING VERY NATURAL WOMAN I am looking for a woman in her late 50s or early 60s. Going for walks, movies, going out to eat, staying home watching tv. Send phone number. Pasco County. 4039 SEEKING REAL LADY I want a real lady, not a phoney. I love sports, going out, movies, theater, restaurants. I’m still active in business, love animals. Lets share life together. Brandon. 4041 SERIOUS AD Active, educated gentleman, sterling reputation. No baggage. ISO compatible lady 65, 0+. HWP, SOH for LTR, local 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
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.
events. Ballroom dancer preferred but not essential. Largo area. 4044 SEEKING DINING AND TRAVEL COMPANION WWM, 84, 5’8, HWP, NS, SD. Prefer senior lady 75 – 84 in Clearwater area. 4046 4-STAR 24 CARAT SERIOUS ROMANTIC desires that one special lady to adore, pamper and spoil. Total, complete and utter devotion and commitment from both parties a must. Age not important—seriousness is. 4048 I AM MALE, HINDU, TALL 67 years old, handsome, retired. Seeking a blonde female, spiritual, honest. Age between 49 to 70 years young. LTR.
MEET OTHER SENIORS Over 2,000 seniors have met through Seniors Getting Together. Send in your ad today! 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.
Become a Star in Masque Theatre’s Next Musical!
City (No Charge):
City:
MEN SEEKING WOMEN
Zip:
E-mail:
MAIL TO: SENIORS GETTING TOGETHER, C/O NEWS CONNECTION, USA, INC. 1602 S. PARSONS AVE., SEFFNER, FL 33584
M
asque Theatre announces auditions for its next musical production, “Footloose!” All roles available. Ages 13 – 60. Be prepared to sing 16 measures of a song of your choice and wear comfortable clothing in which to dance. Bring an accompaniment CD (no vocal) or sheet music. You may also be asked to do a cold reading from the script.
If you have a resume, please bring it to the audition. Masque no longer requires participants to become members. Character descriptions are on Masque’s website: masquetheatre.net. Auditions: Sat., Sept. 17, 2 – 5 p.m.; Sun., Sept. 18, 6 – 9 p.m.; Callbacks on Mon. Sept. 19, 7 – 9 p.m. Please call (813) 382-9915 for more information.
Senior Connection • September 2011 • page 31
Thunderstorm Phobia TERRI LATRONICA, APDT CPDT-KA Tender Touch Training Instructor at Boyette Animal Hospital
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.
A
s I listened to the thunder boom outside my window, it became clear to me that the subject matter of this article should be Thunderstorm Phobia. Many owners deal with this problem every time it rains, which in Florida can be every day. The noise of the thunder, the flash of lightning, the rain, the change in barometric pressure and even static electricity can cause a phobic reaction.
Caring For Your Pet This phobia can present itself in many ways. A dog can show any or all of the following symptoms: whining, barking, pacing, panting, salivating, urination, defecation, and escape behaviors. There are many ways to try and help your dog cope with the
storm. Make a safe place for the dog to go. Try putting your dog’s bed in a closet with the light on. The dog won’t see the flashes of lightning. Play a radio or TV to deaden the sound of the thunder and rain. Try training your dog or playing its favorite game if it isn’t too anxious to concentrate on you. Other forms of relief can in some cases be found by using one or all of the following products. Calming Cap: works to mute the appearance of the lightning. Thunder Shirt or Anxiety Wrap: applies a gentle pressure to the body, which some dogs find comforting. D.A.P. collar or plug-in: produces a pheromone that has a calming effect on the dog. One thing that you don’t want to do is soothe the dog with petting because you are inadvertently rewarding the fearful behavior. Your good intentions will most likely strengthen the dog’s phobia.
One last thing that helps some dogs is desensitization. By playing a CD of a thunderstorm, you may help lessen the dog’s reaction to real storms. Start with the CD on the lowest volume and in another room while you train or play with your dog. Slowly increase the volume and bring the dog closer to the source of the “music.” When the dog is comfortable with this, you could even add turning on and off the lights to simulate lightning. You could even go so far as to turn a sprinkler on to make rain hit the windows. For dogs that have severe phobia issues, the owners may want to contact their veterinarian for some medical intervention. For training information and class schedules, call Boyette Animal Hospital at (813) 671-3400.
Live Free from Leg and Foot Pain There’s Something For Everyone at the Florida Orchestra D T
o you suffer from foot and leg pain, cramping, arthritis or poor circulation? A new device called the Medimassager can help. This versatile and easy-to-use massager rests at your feet and can be adjusted to massage aching soles, heels, ankles, calves and legs. You can also prop it behind your back for a soothing back massage. An additional hand-held massage device can be used to focus on problem tension areas like the neck, shoulder, lower back and wrists. “As a physical therapist with over thirty years of treating patients, I am a great advocate of both of the Medimassager units and have no hesitation in recommending them to my patients,” says Carl Marino, PT. “Because of the high quality smoothness of their massaging and variable speeds, they are appropriate for many people to use when units of lesser quality would be too rough or irritating, rather than relaxing.”
These FDAapproved medical devices have been used to provide pain relief from arthritis, flat feet and bone spurs, relieve restless leg syndrome, aid in the prevention of leg cramps, assist diabetes and neuropathy and promote blood flow to the feet and calves. 20 minutes of use can provide the benefits of a 4-mile brisk walk. The quiet, powerful variable speed motor is perfect for home or office environments, and the devices come with a limited lifetime warranty. “Don’t take your foot or muscle pain lightly! Many of my patients started out with pains that developed into chronic conditions that could have been at least partly prevented if they would have reduced the muscle spasms early on with units like the Medimassagers,” says Marino. Order your Medimassager today by calling (813) 597-5729 or by visiting medimassager.com.
Senior Connection • September 2011 • page 32
he Florida Orchestra has lowered its ticket prices to $15, $30 and $45 for the upcoming 2011/2012 season to make concerts available to more people throughout the Tampa Bay area. There are lots of series to choose from with concert packages ranging from as few as three concerts all the way up to 14 concerts. Concertgoers can even create their own package to fit their tastes and calendars with a Compose Your Own series for only $25 a ticket (minimum of 3 concerts required). The St. Petersburg Times Masterworks series kicks off on Oct. 14, 15 and 16 featuring The Master Chorale of Tampa Bay and the Tampa Bay Children’s Chorus in Carl Orff’s Carmina Burana. Other beloved works scheduled are Beethoven’s Violin Concerto, Mozart’s Piano Concerto No. 21, Rachmaninoff’s Piano Concerto No. 2, Vivaldi’s Four Seasons and Beethoven’s Eroica Sym-
phony Other major works phony. scheduled include Ravel’s Piano Concerto in G Major, Major Mahler’s Symphony No. 7, Mussorgsky’s Pictures at an Exhibition and Tchaikovsky’s Swan Lake Suite. The Raymond James Pops series opens on Nov. 4, 5 and 6 with great tunes and dazzling acrobatics at Cirque de la Symphonie. The series also offers a salute to The One and Only Frank Sinatra, holiday hits at Christmas at the Pops and favorite ballads from Barry Manilow to Barry Gordy in Music for Lovers. Other concerts include A Night in the Tropics with trumpeter Charles Lazarus, Rock on Broadway featuring rock-flavored musicals of the 70s, 80s and 90s, An American Songbook Encore with hits by Gershwin and Cole Porter, and a salute to the “City of Lights” in a concert titled Postcards from Paris. To learn more, visit floridaorchestra.org or call (727) 892-3337 or 1-800-662-7286.
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1.800.267.2001 Personal Emergency Response System Only $28/month. With No Annual Contract. FREE Live Two-Way Voice, Installation, Activation and Warranty.
myalarmcare.com
Certain conditions may apply.
SC/Hills and Sun
FILL IN ANSWERS & WIN MONEY!
Send your answers for a drawing. First correct answers selected from the drawing on June 19th will receive $20 cash! Send to: Mature Lifestyles, 220 W. Brandon Blvd., Suite 203, Brandon, FL 33511
Senior Connection • September 2011 • page 33
Senior Connection • September 2011 • page 34
Insurance Discounts
SUMMER SAVINGS
For Mature Drivers
Riverside Golf
Have a Florida’s Driver’s License and are 55 years of age or older?
$23.00 before noon $20.00 after noon $18.00 after 2 p.m.
Leagues Welcome Reserve your tee time today Visit our new improved PRO SHOP
$10.00 off any round Includes 18 holes & cart tax, included Valid only with this coupon.
Take Your Class Online! • Study at your leisure, 24 hours a day, 7 days a week. • Simply read the course materials online and then answer a few quiz questions. • 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 turn into your insurance company to receive your discount for a three year period.
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
Valid through 9.30.11
813-645-2000 One Pier Drive, Ruskin American Legion Hall
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
BINGO Post 26
Plant City, FL Baker & Woodrow Wilson
Every Sat. night 6:30 p.m. – 10 p.m. Public Welcome
(813) 752-8608
15501 Boyette Rd. Riverview u 212
FREE DIABETIC BRACELET Visit our website:
seniorconnectionfl.com
How Close Do You Hold a Smart Phone?
S
mart phone users reading text messages and internet pages hold their devices at a closer distance than they would for printed text—which may have important implications for prescribing vision correction, reports a study in the July issue of Optometry and Vision Science.
The study indicates that optometrists should pay attention to the “working distance” at which patients hold their smart phones and perform appropriate testing at those distances. Especially for older patients, changes in lens design may be needed to meet the visual demands of smart phones and other new technology.
Are you a Diabetic? Join America’s Diabetic Savings Club
$2 OFF for
seniors
MEMBERSHIP IS FREE! Come meet “Winter” the dolphin who lost her tail in a crab trap, now swims freely.
Maximize your buying power. Get great discounts and special offers!
Senior $2offAdmission
(55+)
call now
Good for up to 6 people. Not valid with other offers. Expires December 31, 2011. Code XSCA
888-295-7138
Clearwater Marine Aquarium
We Seniors!
249 Windward Passage • Clearwater, FL 33767
(727) 441-1790
www.SeeWinter.com
Senior Connection • September 2011 • page 35
Get Up to 6 Quotes in 10 Minutes Free Auto Insurance Evaluation Switch to AAA from * Allstate and save: $529 Geico and save: $450 State Farm and save: $480
QUOTE$
Call or stop by to get your free rate quote now! Brandon • 415 W. Robertson St. • (813) 681-5761 Carrollwood • 14755 N. Dale Mabry Hwy. • (813) 963-2121 New Tampa • 20315 Bruce B. Downs Blvd. • (813) 929-3430 Sun City Center • 717 Cortaro Dr. • (813) 633-4880 Tampa/Westshore • 1515 N. Westshore Blvd. • (813) 289-5800
11-IA-1182b
Westchase • 11667 Countryway Blvd. • (813) 814-5777 A U TO • H O M E • F L O O D • R V • M OTO R C Y C L E • B O AT • L I F E • H E A LT H *Average annual savings was developed using information provided by new policyholders reporting the dollar differences between prior carriers and AAA Insurance Agency from January 1, 2010 to September 30, 2010. For qualified drivers only. Rates vary by state and insurance company.